穿越市场周期：杭州银行2025上半年业绩亮眼背后的风险管控密码

Core Viewpoint - Hangzhou Bank reported strong half-year results with a net profit of 11.662 billion yuan, a year-on-year increase of 16.66%, demonstrating resilience and effective risk management in a complex economic environment [1] Group 1: Financial Performance - The bank achieved a net profit of 11.662 billion yuan in the first half of 2025, reflecting a 16.66% increase compared to the previous year [1] - The non-performing loan (NPL) ratio remained stable at 0.76%, indicating strong asset quality [1] - The provision coverage ratio reached 520.89%, positioning the bank among the leaders in the listed banking sector [1] Group 2: Risk Management Strategy - The bank emphasizes a risk management philosophy of "not trading risk for growth," focusing on maintaining a balance among volume, quality, profit, and risk [1] - Continuous improvement of risk control mechanisms includes regular risk assessments and a large client warning system to ensure early identification and management of credit risks [1][2] - The bank has established specialized teams in key sectors like manufacturing and technology finance, enhancing frontline risk control efficiency [2] Group 3: Provisioning and Counter-Cyclical Management - Hangzhou Bank adheres to a prudent provisioning policy, with a provision coverage ratio exceeding 520%, which serves as a buffer against potential risks [3] - The bank's proactive provisioning strategy helps smooth profit fluctuations and enhances operational stability [3] - Future plans include maintaining a leading provisioning level to ensure financial flexibility for long-term profit growth [3] Group 4: Asset Quality and Structural Adjustments - The bank implements cautious entry policies and continuously adjusts its asset structure, with real estate loans accounting for less than 4% of total loans [4] - There are currently no non-performing loans in the renewable energy sector, and the bank is optimizing its service model for export enterprises [4] - Strategies to manage interest rate and liquidity risks include optimizing investment account structures and reducing high-volatility assets [4] Group 5: Sustainable Development through Risk Control - Risk management is viewed as a lifeline for sustainable development, with the bank developing a distinctive risk control model that has yielded excellent results [5] - The bank's risk control capabilities are seen as a cornerstone for continued high-quality development in a complex and changing environment [5]