Core Viewpoint - Jinshang Bank is focusing on high-quality development while effectively serving the real economy, preventing and resolving risks, and continuously promoting reform and transformation, maintaining a steady and improving development trend in the first half of 2025 [1] Group 1: Business Performance - As of June 30, 2025, Jinshang Bank's total assets reached 388.26 billion yuan, an increase of 11.95 billion yuan, or 3.2% from the end of the previous year [3] - The deposit balance was 304.08 billion yuan, up 3.21 billion yuan, or 1.1% from the end of the previous year [3] - The loan balance was 208.64 billion yuan, an increase of 7.23 billion yuan, or 3.6% from the end of the previous year [3] - The net profit was 1.05 billion yuan, an increase of 20 million yuan compared to the same period last year [3] Group 2: Support for the Real Economy - Jinshang Bank has increased support for key areas such as industrial transformation, energy revolution, and infrastructure construction, developing inclusive financial products for small and micro enterprises [5] - The total amount of corporate loans reached 136.61 billion yuan, an increase of 7.3% from the end of the previous year [5] - The balance of inclusive small and micro enterprise loans was 12.62 billion yuan, an increase of 9.2% from the end of the previous year, with the number of loan accounts increasing by 2,491 to 8,067 [6] Group 3: Risk Management - Jinshang Bank emphasizes risk management, with a non-performing loan ratio of 1.77% as of June 30, 2025, maintaining stable asset quality [8] - The provision coverage ratio was 215.00%, an increase of 9.54 percentage points from the end of the previous year [9] - The capital adequacy ratio was 12.96%, up 0.12 percentage points, while the core tier 1 capital adequacy ratio was 10.27%, also up 0.09 percentage points [9] Group 4: Digital Transformation - The bank has made significant progress in digital transformation, with small and micro credit customers increasing by 140.4% since the beginning of the year [11] - The number of mobile banking registered users grew by 5.0%, and the average monthly active users increased by 5.3% [11] - The bank launched the "Jinshang e-loan - Code Loan" product, supporting 5,335 small and micro enterprises with a total credit of 830 million yuan [11] Group 5: Internal Development and Reform - Jinshang Bank is enhancing corporate governance and management of its subsidiaries, while also promoting a "learning bank" initiative [13] - The bank aims to optimize asset allocation, deepen technological empowerment, and strengthen risk control to achieve sustainable profitability and resilient development [14]
晋商银行发布2025年上半年业绩公告：经营业绩稳中提质 数字化转型助力高质量发展