长沙银行半年报：逾期贷款 个贷不良率“双增” 机构持股比例下滑

Core Viewpoint - Changsha Bank's 2025 semi-annual report indicates a steady growth in total assets and liabilities, but faces challenges in profitability and asset quality due to narrowing net interest margins and rising non-performing loans [2][3]. Financial Performance - As of June 30, 2025, total assets reached 1,247.385 billion RMB, a year-on-year increase of 13.72% - Total liabilities amounted to 1,165.090 billion RMB, up 13.58% year-on-year - Total loans stood at 602.692 billion RMB, reflecting a 12.95% increase year-on-year - Total deposits were 759.184 billion RMB, growing by 11.23% year-on-year - For the first half of 2025, operating income was 13.249 billion RMB, a 1.59% increase year-on-year - Net profit reached 4.329 billion RMB, up 5.05% year-on-year [2][4]. Asset Quality - As of June 30, 2025, non-performing loan balance was 7.046 billion RMB, an increase of 0.662 billion RMB from the end of the previous year - Non-performing loan ratio remained stable at 1.17%, with a slight decrease of 1 basis point from the previous quarter - Personal loan non-performing ratio increased significantly to 2.20%, up 33 basis points from the end of the previous year - Overdue loan balance was 13.405 billion RMB, a substantial increase of 36.02% from the end of the previous year [3][6]. Capital Adequacy - Capital adequacy ratios for Changsha Bank showed a slight decline compared to the end of the previous year, but remained compliant with regulatory standards [3]. Institutional Shareholding - As of June 30, 2025, the proportion of institutional shareholders who increased or newly entered their holdings rose by 0.82%, while those who reduced or exited their holdings decreased by 1.90%, resulting in a net reduction of 1.18% in institutional shareholding [6]. Market Challenges - The bank faces challenges in expanding personal loans and corporate deposits due to a slow growth rate in housing mortgage loans and adjustments in deposit structure - There is an increasing pressure on credit risk management as overdue and attention-class loans have risen [6].