BOB(SH:601169) Jin Rong Shi Bao·2025-09-08 01:30Core Viewpoint - Beijing Bank reported its 2025 semi-annual financial results, showing modest growth in revenue and net profit, alongside improvements in asset quality and capital adequacy ratios [1]. Financial Performance - The bank achieved an operating income of 36.218 billion yuan, representing a year-on-year increase of 1.02% [1]. - The net profit attributable to shareholders reached 15.053 billion yuan, with a year-on-year growth of 1.12% [1]. - Basic earnings per share were 0.69 yuan, reflecting a year-on-year increase of 1.47% [1]. Asset and Liability Management - As of the end of the first half, total assets amounted to 4.75 trillion yuan, an increase of 12.53% from the beginning of the year [1]. - The total amount of loans and advances reached 2.39 trillion yuan, growing by 8.18% year-to-date [1]. - Total liabilities were 4.36 trillion yuan, up 12.94% since the start of the year [1]. - Deposits amounted to 2.65 trillion yuan, with an increase of 8.39% from the beginning of the year [1]. Asset Quality - The non-performing loan ratio stood at 1.30%, a slight decrease of 0.01 percentage points from the beginning of the year [1]. - The bank has sufficient provisions for risk mitigation, with a core tier 1 capital adequacy ratio of 8.59%, a tier 1 capital adequacy ratio of 12.08%, and a total capital adequacy ratio of 13.06% [1].