Sou Hu Cai Jing·2025-09-15 10:20Core Viewpoint - The company is engaged in various financial services including public deposit absorption, loan issuance, settlement services, and foreign exchange operations, indicating a diversified business model in the financial sector [7]. Financial Performance - The company's revenue and net profit growth rates have shown fluctuations over the years, with a notable decline in 2023, where the revenue growth rate was 0.63% and the net profit growth rate was -1.64% [9][11]. - In the first half of 2025, the company reported a revenue of 1,800 billion and a net profit of 1,200 billion, reflecting a significant performance in the financial market [9]. Revenue Composition - For the first half of 2025, the revenue composition included retail financial services contributing 703.01 billion, wholesale financial services at 1,353.93 billion, and other business segments [10][12]. Asset and Liability Changes - As of the first half of 2025, the company experienced a 15.38% increase in other debt investments, while interbank placements decreased by 6.92% [25]. - The company's bond payables decreased by 26.73%, while deposits and interbank deposits increased by 3.64% [28]. Cash Flow Analysis - The net cash flow from operating activities for the first half of 2025 was 1,344.61 billion, while financing and investment activities showed negative cash flows of -213.65 billion and -1,743.91 billion respectively [20]. Return on Equity - The average return on equity for the first half of 2025 was reported at 6%, which is a decrease of 0.81 percentage points compared to the same period last year [17].