Xi Niu Cai Jing·2025-09-08 04:08Core Insights - Everbright Bank reported total assets of 72,385.91 billion yuan as of June 30, 2025, representing a year-on-year growth of 4.02% [2] - The bank's total loans reached 40,840.70 billion yuan, up 3.82% from the previous year, while total deposits increased by 5.39% to 42,531.82 billion yuan [2] - The bank's operating income for the first half of 2025 was 65.918 billion yuan, a decline of 5.57% year-on-year, marking the fourth consecutive year of decline [2] - Net profit slightly increased by 0.53% to 24.741 billion yuan, despite a continuous narrowing of net interest margin impacting net interest income, which fell by 5.57% to 45.432 billion yuan [2][3] Financial Performance - The cost-to-income ratio increased by 0.30 percentage points to 26.53% as of June 30, 2025 [5] - Key profitability indicators showed slight declines: average total asset return rate at 0.70%, weighted average return on equity at 9.13%, net interest margin at 1.31%, and net interest yield at 1.40% [4][5] - The bank's non-performing loan (NPL) balance rose to 50.915 billion yuan, an increase of 16.63 billion yuan from the previous year, with an NPL ratio stable at 1.25% [3][5] Asset Quality - The provision coverage ratio decreased by 8.12 percentage points to 172.47% as of June 30, 2025 [3][5] - Capital adequacy ratios showed a decline but remained within regulatory standards [3] Regulatory and Market Performance - As of September 4, 2025, Everbright Bank received 42 fines for various regulatory violations, with the highest single fine amounting to 16.7706 million yuan [6] - The bank's stock price increased by only 1.45% year-to-date, underperforming the industry average of 12.28% [6]