HUA XIA BANK(SH:600015) Sou Hu Cai Jing·2025-09-18 03:17Core Insights - 华夏银行 ranked 146th in the "2025 China Top 500 Enterprises" list, reflecting its robust development in a complex economic environment [1] - The bank's total assets reached 4.55 trillion yuan in the first half of 2025, a 3.96% increase from the end of the previous year, with notable performance in green finance and digital economy sectors [1][2] - The bank plans to distribute a total cash dividend of 1.591 billion yuan, maintaining a consistent and stable cash dividend policy [1] Asset Structure Optimization - The steady growth of total assets and continuous optimization of the asset structure are key to the bank's social recognition [2] - Total assets surpassed 4.5 trillion yuan, increasing by 173.134 billion yuan, with total deposits reaching 2.322 trillion yuan, up by 171.789 billion yuan [2] - The bank's green loan balance reached 332.905 billion yuan, with a growth rate exceeding the overall loan growth by 14.48 percentage points, demonstrating commitment to the "dual carbon" strategy [2] Digital Economy Performance - In the digital economy sector, loans directed towards core industries grew faster than the overall loan growth by 12.13 percentage points, with a year-on-year increase in proportion [3] - The bank effectively meets the financial needs of enterprises undergoing digital transformation through its industry digital finance model [3] Revenue Structure Improvement - The bank achieved a 2.55% year-on-year increase in net fee and commission income, which has become a crucial counterbalance to the pressure from narrowing net interest margins [4] - The bank's digital transformation has significantly enhanced operational efficiency, with its data service platform recognized as a benchmark case for digital transformation [4] Support for Real Economy - The bank continues to focus on serving the real economy, particularly in inclusive finance and support for small and micro enterprises [5] - The balance of inclusive small and micro enterprise loans reached 190.322 billion yuan, with a year-on-year growth of 4.21% and a reduction in annualized interest rates by 52 basis points [5] Risk Management - The bank maintains a stable overall non-performing loan ratio of 1.60%, with a corporate loan non-performing rate decreasing by 0.23 percentage points to 1.36% [6] - The capital adequacy ratio stands at 13.07%, significantly above regulatory requirements, providing ample room for business development [6]