Xin Hua Cai Jing·2025-09-15 23:28Core Insights - The overall performance of A-share listed banks showed slight increases in revenue and net profit for the first half of 2025, with total revenue reaching approximately 2.92 trillion yuan and net profit around 1.1 trillion yuan, reflecting year-on-year growth of 1.04% and 0.8% respectively [1][2][5]. Revenue and Profit Growth - City commercial banks and rural commercial banks experienced faster growth in revenue and net profit compared to larger state-owned and joint-stock banks [2][5]. - Notable performers included Xi'an Bank, Jiangyin Bank, and Changshu Bank, which reported revenue growth rates of 43.7%, 10.45%, and 10.1% respectively [5]. - In terms of net profit, Hangzhou Bank, Jiangyin Bank, Qilu Bank, and Qingdao Bank achieved significant growth rates of 16.66%, 16.63%, 16.49%, and 16.05% respectively [5]. Asset and Loan Growth - As of June 30, 2025, the total assets of the 42 listed banks reached approximately 321.33 trillion yuan, marking a 6.35% increase from the end of the previous year, while total loans amounted to about 184.38 trillion yuan, up 5.89% [6][9]. - Xi'an Bank and Jiangsu Bank led in loan growth, with increases of 22.94% and 15.98% respectively [9]. Asset Quality and Non-Performing Loans - The asset quality of the banks remained stable, with 16 banks maintaining non-performing loan (NPL) ratios below 1%. Chengdu Bank had the lowest NPL ratio at 0.66% [9][10]. - Overall, the NPL ratios for most banks were stable or showed slight improvements compared to the previous year, with Guizhou Bank experiencing a notable increase in its NPL ratio [14]. Capital Adequacy Ratios - The capital adequacy ratios of many banks declined, with 29 banks reporting decreases compared to the end of the previous year. However, both China Communications Bank and Hangzhou Bank saw increases in their capital adequacy ratios [15][21]. - As of June 30, 2025, major state-owned banks like ICBC and CCB maintained capital adequacy ratios above 19%, while the core tier 1 capital ratios of several banks, including Hu'nong Bank and CCB, were also high, exceeding 14% [21].