Mei Ri Jing Ji Xin Wen·2025-09-03 19:22Core Viewpoint - The Bank of Communications has demonstrated strong operational resilience, achieving steady growth in key performance indicators amid a complex internal and external environment, with a focus on long-term value creation through digital empowerment and core business focus [2][11]. Financial Performance - In the first half of the year, the group reported operating income of 133.368 billion yuan and net profit attributable to shareholders of 46.016 billion yuan, representing year-on-year growth of 0.77% and 1.61% respectively [2]. - As of the end of June, total assets reached 15.44 trillion yuan, an increase of 3.59% from the end of the previous year, with a non-performing loan ratio reduced by 0.03 percentage points to 1.28% [2]. Dividend Policy - The management announced a mid-term dividend policy, proposing a cash dividend of 0.1563 yuan per share (before tax), totaling 13.811 billion yuan, which accounts for 30% of the net profit attributable to shareholders for 2025 [2]. Loan Growth and Structure - The customer loan balance reached 9 trillion yuan, increasing by approximately 443.4 billion yuan, a growth rate of 5.18% [3]. - The bank's loan disbursement has exceeded 60% of the annual target in the first half of the year [3]. Focus on Key Areas - The bank is strategically supporting national priorities and key sectors, with significant growth in technology loans, inclusive small and micro loans, and loans for the elderly care industry, all exceeding the average loan growth rate [4]. - Technology loans surpassed 1.5 trillion yuan, with the number of supported enterprises increasing by 11.12%, including 32,300 technology SMEs, which saw a 22.93% increase in loan balance [4]. Regional Development - In the Yangtze River Delta region, loan growth was 6.9%, accounting for nearly 30% of total loans, with public loans in key regions like Shanghai showing the highest market growth [4]. Digital Transformation - The bank has accelerated its digital transformation, with significant investments in technology and a new digital operation center aimed at enhancing service efficiency and supporting key sectors [9][10]. - The digital operation center focuses on direct retail business operations, online and offline integration, and centralized operations to improve risk management and customer service [10]. Contribution to Economic Development - The bank is actively leveraging its Shanghai headquarters to support the city's financial openness and innovation, contributing to the construction of Shanghai as an international technology innovation center [6][7][8].