Mei Ri Jing Ji Xin Wen·2025-09-03 19:27Core 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 notable increase in revenue and net profit for the first half of the year [1] Financial Performance - 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 [1] - 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% [1] Dividend Policy - The management announced a continuation of the mid-term dividend policy, proposing a cash dividend of 0.1563 yuan per share, totaling 13.811 billion yuan, which accounts for 30% of the net profit attributable to shareholders for 2025 [1] 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, with significant increases in technology loans, inclusive small and micro loans, and loans for the elderly care industry [3] Regional Focus - In the Yangtze River Delta region, the loan scale grew by 6.9%, accounting for nearly 30% of total loans, with public loans in key regions outpacing the bank's average growth [4] Support for Key Areas - The bank is actively leveraging policy opportunities to enhance financial supply capabilities in sectors such as small and micro enterprises, private enterprises, merger loans, and new models of real estate development [5] Digital Transformation - The bank has accelerated its digital transformation, with technology investments and personnel growth leading the industry, establishing a digital operation center to enhance service efficiency [8] - The digital operation center aims to strengthen direct operations, share foundational capabilities, and deepen the use of digital technologies for risk management and operational efficiency [9][10] Contribution to Economic Development - The bank has established partnerships with 60 major municipal projects and 118 district-level projects in Shanghai, contributing to the city's financial market development and international trade center construction [7] - The bank's initiatives include the creation of a cross-border trade comprehensive financial service platform and the optimization of offshore trade settlement processes [7]