Changshu Bank(SH:601128) 天天基金网·2025-08-08 05:08Core Viewpoint - Changshu Bank is the first listed bank in A-shares to release its semi-annual report for 2025, showcasing solid growth in revenue and net profit [1][3]. Financial Performance - In the first half of 2025, Changshu Bank achieved operating income of 6.062 billion yuan, a year-on-year increase of 10.1% [3][4]. - The net profit attributable to shareholders was 1.969 billion yuan, reflecting a growth of 13.51% compared to the same period in 2024 [3][4]. - The total assets of Changshu Bank reached 401.23 billion yuan by the end of June 2025, marking a 9.45% increase from the end of the previous year [3][4]. - The total loan amount stood at 251.47 billion yuan, up 4.4% year-on-year, while total deposits increased by 8.46% to 310.78 billion yuan [3][4]. Loan Composition - Personal loans constituted 54.20% of total loans, with personal operating loans making up 37.56% [3]. - The balance of inclusive small and micro enterprise loans for single credit under 10 million yuan was 104.35 billion yuan, serving 213,300 clients [3]. Asset Quality - As of June 30, 2025, the non-performing loan ratio was 0.76%, a slight decrease of 0.01 percentage points from the beginning of the year [3]. - The provision coverage ratio was 489.53%, down by 10.98 percentage points from the end of the previous year [3]. Capital Adequacy - The core tier 1 capital adequacy ratio and total capital adequacy ratio were 10.73% and 10.78%, respectively, both showing a decrease of 0.45 and 0.46 percentage points from the end of the previous year [3].