中国基金报·2025-08-28 13:42Core Viewpoint - Zhejiang Commercial Bank's 2025 interim report highlights its commitment to long-termism and risk management, achieving stable operations despite industry challenges, with total assets reaching 3.35 trillion yuan, a 0.63% increase from the previous year [1][3]. Group 1: Financial Performance - The bank reported operating income of 33.248 billion yuan, with net profit attributable to shareholders at 7.667 billion yuan, reflecting a decrease of 5.76% and 4.15% year-on-year, respectively [1][6]. - The non-performing loan ratio improved to 1.36%, down by 0.02 percentage points from the previous year, indicating enhanced asset quality [1][4]. Group 2: Asset and Liability Management - As of June 30, total assets reached 3.35 trillion yuan, with loans and advances totaling 1.89 trillion yuan, a 1.69% increase year-on-year, driven by increased credit to the real economy [3][4]. - The bank's total liabilities grew to 3.14 trillion yuan, a 0.62% increase, with deposits surpassing 2 trillion yuan, reflecting a 7.47% increase [4]. Group 3: Strategic Initiatives - The bank is focusing on a "low-risk, balanced return" asset strategy, optimizing its asset-liability structure while enhancing service to the real economy [3][6]. - A new three-year action plan (2025-2027) has been launched to deepen its presence in Zhejiang, with financing services in the province reaching 1.12 trillion yuan, exceeding last year's total [3][4]. Group 4: Business Segments Performance - The corporate banking segment contributed 57% of total revenue, with a net increase of 66.8 billion yuan in corporate deposits [7]. - The retail banking segment showed positive momentum, with assets under management (AUM) exceeding 700 billion yuan and retail sales commissions increasing by 36% year-on-year [7]. Group 5: Future Outlook - The bank plans to maintain strategic focus and enhance financial services to the real economy, leveraging digital transformation and differentiated service offerings [9][10].