Bank of RuiFeng(SH:601528) 经济观察报·2025-08-27 11:57Core Viewpoint - The article discusses the issues related to the display of the semi-annual report of Ruifeng Bank, highlighting discrepancies in how the report appears on different devices and platforms, and the bank's response to these technical problems [2][4][5]. Group 1: Technical Issues - Ruifeng Bank's semi-annual report for 2025 was found to display as "garbled" on several platforms, including Sina Finance and the Giant Tide Information Network, while appearing normal on the Wind platform [2][4]. - The bank's staff indicated that the issue may be related to the PDF readers on different devices, as the report displayed correctly on some devices but not others [5][6]. - A new version of the report was created to address the issue, changing the format from text-based PDF to image-based PDF to ensure proper display [9]. Group 2: Financial Performance - Key financial indicators for the first half of 2025 include: - Basic earnings per share (EPS) of 0.45 yuan, up 4.65% from 0.43 yuan in the same period of 2024 [6]. - Diluted EPS also at 0.45 yuan, reflecting the same percentage increase [6]. - Net profit for the first half of 2025 was 1.34 billion yuan, a decrease of 0.11 billion yuan compared to 1.45 billion yuan in the first half of 2024 [7]. Group 3: Regulatory Indicators - As of June 30, 2025, Ruifeng Bank's capital adequacy ratio stood at 14.11%, above the regulatory requirement of 10.5% [8]. - The non-performing loan (NPL) ratio was reported at 0.98%, slightly increasing from 0.97% in the previous year [8]. - The provision coverage ratio improved to 340.28%, significantly above the required 150% [8].