微众银行资产破7000亿 行长兼任首席合规官

Core Viewpoint - WeBank's total assets have surpassed 700 billion yuan for the first time, indicating growth despite declines in revenue and net profit [1][3]. Financial Performance - Total assets reached 714.73 billion yuan, a 9.66% increase from 651.78 billion yuan at the end of the previous year [1][2]. - Operating income for the first half of 2025 was 18.96 billion yuan, down 3.44% year-on-year [1][2]. - Net profit for the same period was 5.57 billion yuan, a decrease of 11.87% compared to 6.32 billion yuan in the previous year [1][2]. - Pre-tax profit increased by 8.03% to 6.81 billion yuan [1][2]. Asset Quality - The non-performing loan (NPL) ratio stood at 1.57%, an increase of 13 basis points from the end of the previous year [1][3]. - The provision coverage ratio decreased to 292.86%, down approximately 10 percentage points from the previous year [1][3]. - The core Tier 1 capital adequacy ratio was reported at 11.81% [1]. Management Changes - WeBank's president, Li Nanqing, has taken on the additional role of Chief Compliance Officer, reflecting regulatory changes allowing such dual roles [3]. Consumer Loan Business - The balance of consumer loans, particularly the "Weilidai" product, was 202.78 billion yuan, down 5.53% year-on-year [3]. - WeBank is the only private bank included in a new fiscal subsidy scheme for consumer loans, which may positively impact its consumer loan business [3]. Internet Loan Partnerships - WeBank has been actively collaborating with various banks for internet loan services, with a focus on regional banks and some foreign banks [4][5]. - The bank's loan platform fee income decreased by 14.31% year-on-year, indicating challenges in the joint loan business due to regulatory changes [5][6]. - The joint loan model is characterized by shared funding, risk-sharing, and independent approval processes, with over 60 financial institutions involved [6].