成都银行2025中报透视：营业收入超120亿元创同期新高，异地业务贡献度首破20%构筑新增长极

Core Viewpoint - Chengdu Bank has demonstrated robust growth and strong asset quality in its 2025 semi-annual report, achieving significant increases in revenue and profit while maintaining low non-performing loan rates and high provision coverage [3][4][5]. Financial Performance - In the first half of 2025, Chengdu Bank reported operating income of 12.27 billion yuan, a year-on-year increase of 5.91%, and net profit attributable to shareholders of 6.62 billion yuan, up 7.29% [3][4]. - The bank's total assets reached 1.37 trillion yuan, growing by 9.77% since the beginning of the year, while the non-performing loan ratio remained stable at 0.66% [3][5]. - The provision coverage ratio stood at 452.65%, indicating strong risk mitigation capabilities [3][5]. Asset and Liability Management - Chengdu Bank's personal deposits exceeded 500 billion yuan, marking a historic increase of nearly 70 billion yuan, with a year-on-year growth rate of 15.84% [6][7]. - The bank's loan portfolio grew by 12.40% to 834.63 billion yuan, with corporate loans increasing by over 14% [3][8]. - The net interest margin was reported at 1.62%, reflecting a slight decrease of 4 basis points from the beginning of the year, but the decline was less pronounced compared to the previous year [7]. Strategic Initiatives - The bank has focused on supporting the Chengdu-Chongqing economic circle, with over 80% of loans directed towards corporate sectors, enhancing its contribution to the local economy [8][9]. - Chengdu Bank has actively engaged in regional economic development, providing significant funding for infrastructure projects and supporting local enterprises [9][10]. Regional Expansion and Contribution - The contribution of Chengdu Bank's branches outside its home region has significantly increased, with revenue from these areas surpassing 20% for the first time [11][13]. - The bank's branches in other regions achieved a revenue growth of 35.84%, contributing nearly 21% to the overall operating income [13][14]. - The bank's stock performance has been positively received in the capital markets, with multiple brokerages issuing buy and recommend ratings following the report [14].