规模、效益、质量协同提升 徽商银行交出高质量发展“中期答卷”

Core Viewpoint - Huishang Bank has demonstrated a high-quality development performance in the first half of 2025, achieving growth in both revenue and net profit while maintaining a leading position among city commercial banks [1][2]. Financial Performance - In the first half of 2025, Huishang Bank reported operating income of 21.157 billion yuan, a year-on-year increase of 2.25%, and net profit of 9.328 billion yuan, up 3.81% [1]. - The total assets reached 2,251.854 billion yuan, growing by 11.82% from the beginning of the year, while total liabilities increased by 12.59% to 2,085.296 billion yuan [2]. - Customer loans and advances totaled 1,100.533 billion yuan, a growth of 9.82%, and customer deposits reached 1,252.004 billion yuan, up 9.92% [2]. Asset Quality - As of June 2025, the non-performing loan ratio was 0.98%, a decrease of 0.16 percentage points year-on-year, marking three consecutive years of decline [3]. - The non-performing loan provision coverage ratio improved to 289.94%, an increase of 17.43 percentage points year-on-year, indicating enhanced risk mitigation capabilities [3]. Business Innovation and Service Enhancement - Huishang Bank has focused on transforming corporate business and enhancing service capabilities, with investment banking and transaction banking becoming key growth drivers [4]. - The bank's cash management business saw a transaction volume of 3.87 trillion yuan, with 16,881 signed clients, reflecting a growth of 10.05% [4]. - In foreign trade finance, the bank processed a cross-border settlement volume of 8.870 billion USD, up 47.82% year-on-year, and cross-border RMB settlements reached 9.555 billion yuan, growing by 18.73% [4]. Digital Transformation and Risk Control - The bank is advancing its digital transformation strategy, enhancing personal financial services and increasing the number of personal clients to over 21 million [6]. - A comprehensive digital risk control system has been established, utilizing big data and AI to improve risk identification and management [9]. Future Outlook - Huishang Bank aims to solidify its growth engine by expanding its quality customer base and enhancing refined management practices to support the development of Anhui province [10].