Core Viewpoint - Guizhou Bank demonstrates resilience and vitality in high-quality development, achieving a stable performance amid a complex macroeconomic environment and industry challenges, with significant growth in both operating income and net profit while maintaining a declining non-performing loan ratio [1][2]. Financial Performance - As of June 2025, Guizhou Bank's total assets exceeded 600 billion yuan, reaching 603.75 billion yuan, a 2.33% increase from the beginning of the year [2] - The bank's net interest margin increased by 0.22 percentage points year-on-year to 1.90%, driven by optimized asset structure and controlled liability costs [2] - Interest income reached 4.918 billion yuan, a 13.25% increase year-on-year, contributing to an operating income of 6.102 billion yuan, up 2.26%, and a net profit of 2.129 billion yuan, growing by 0.31% [2] Asset Quality - The non-performing loan ratio improved to 1.69%, with the provision coverage ratio rising to 331.87%, indicating enhanced risk mitigation capabilities [3] - The non-performing loan ratio for corporate loans decreased to 1.12%, with various sectors experiencing reductions in non-performing rates [3] Regional Development Support - Guizhou Bank focuses on supporting local economic development, aligning with the province's "Four Modernizations" initiatives, including new industrialization and urbanization [4] - As of June 2025, the bank's loans for new industrialization reached 36.199 billion yuan, with total disbursements of 12.427 billion yuan [4] - Loans for new urbanization amounted to 149.814 billion yuan, with cumulative disbursements of 13.033 billion yuan [4] Inclusive Finance and Rural Revitalization - The bank has issued 18.864 billion yuan in loans to small and micro enterprises, serving 18,500 clients, with a total balance of 54.067 billion yuan [5] - In rural revitalization, the bank's agricultural modernization loan balance grew by 3.221 billion yuan to 32.411 billion yuan by mid-2025 [5] Consumer Finance - Guizhou Bank's consumer finance assets reached 36.765 billion yuan, reflecting an increase of 1.156 billion yuan, contributing to the recovery of local consumption [6]
贵州银行规模突破6000亿元，净息差逆势提升， 存贷业务稳健增长