Core Viewpoint - Huishang Bank demonstrated stable operational fundamentals in the first half of the year, with core financial indicators showing growth, reflecting effective cost control and business structure optimization Financial Performance - The bank achieved operating income of 21.157 billion yuan, a year-on-year increase of 2.25% - Net profit reached 9.328 billion yuan, growing by 3.81%, indicating that profit growth outpaced revenue growth [1] - As of the end of June, total assets amounted to 2.25 trillion yuan, an increase of 11.82% from the end of the previous year [1] Credit Focus - Customer loans and advances totaled 1.10 trillion yuan, up 9.82% from the end of the previous year - Public utility loans accounted for 21% of the total, leading among all sectors; manufacturing and commercial services loans made up 13% and 14%, respectively [2] - Personal wealth management business reached a scale of 211.829 billion yuan, with the number of wealth clients increasing by 11.76% to 1.2841 million [2] Growth Engines - Supply chain finance and technology finance emerged as new growth engines, with supply chain finance lending increasing by 64.53% year-on-year - Technology loans reached 201.794 billion yuan, with a net increase of 33.029 billion yuan, reflecting a growth rate of 19.57% [3] - The bank issued 5 billion yuan in technology innovation bonds to broaden financing channels for tech enterprises [3] Risk Management - Huishang Bank focused on building a comprehensive risk management system, utilizing big data and AI for credit risk management - The non-performing loan ratio stood at 0.98%, a decrease of 0.16 percentage points year-on-year, maintaining a low level in the industry [4] - The non-performing loan provision coverage ratio improved by 17.43 percentage points to 289.94%, enhancing the bank's ability to address potential risks [4] International Trade Services - The bank enhanced its service capabilities for foreign trade enterprises, promoting the use of RMB for cross-border settlements - Cross-border RMB settlement volume reached 9.555 billion yuan, an increase of 18.73% year-on-year [6] Shareholder Returns - The bank increased its cash dividend to 0.21 yuan per share, a 44% rise from the previous year, distributing a total of 2.917 billion yuan in cash dividends [6] - The bank also paid interest on perpetual bonds, demonstrating a responsible attitude towards various capital tool investors [6]
徽商银行：赋能区域发展，规模盈利双增