Core Insights - Yantai Bank reported a satisfactory mid-year performance for 2025, with significant growth in key financial metrics [1] Financial Performance - As of June 30, 2025, total assets reached 163.367 billion yuan, an increase of 3.81% from the beginning of the year [3] - Total liabilities amounted to 148.599 billion yuan, growing by 1.28% year-to-date [3] - Operating income for the first half of the year was 1.664 billion yuan, with core revenue indicators showing notable increases: net interest income rose to 1.273 billion yuan, up 28.85% year-on-year; net fee and commission income reached 157 million yuan, a 31.93% increase; and investment income was 225 million yuan, up 5.14% [3] Capital and Risk Management - The bank completed a capital increase in April 2025, raising registered capital from 2.650 billion yuan to 4.622 billion yuan, a 74.43% increase, enhancing its capital adequacy [3] - As of June 30, 2025, the core Tier 1 capital adequacy ratio, Tier 1 capital adequacy ratio, and total capital adequacy ratio were 11.91%, 15.16%, and 16.32%, respectively, significantly above regulatory requirements [3] - Customer deposits totaled 1.337 billion yuan, up 4.45% year-to-date, while total loans and advances increased to 866.99 billion yuan, a 7.03% rise [3] Profitability and Asset Quality - The bank achieved operating income of 1.664 billion yuan in the first half, maintaining a growth rate of 17.41% year-on-year [4] - The net interest margin was calculated at 1.60%, ranking 43rd nationally [4] - The non-performing loan ratio increased by 0.27 percentage points to 1.43%, but the provision coverage ratio remained strong at 243.47%, exceeding the average for city commercial banks [4] - Loan impairment losses increased to 30.209 billion yuan, up 18.60% from the beginning of the year, providing a solid buffer against potential risks [4]
烟台银行2025年上半年经营数据出炉
Qi Lu Wan Bao Wang·2025-09-11 02:14