中国基金报·2025-08-29 12:09Core Viewpoint - The six major state-owned banks in China reported their mid-year performance for 2025, showing a steady increase in total assets but mixed results in operating performance, with a collective net profit exceeding 680 billion yuan and a total dividend plan exceeding 200 billion yuan [2][3][4]. Group 1: Overall Performance - In the first half of 2025, the total assets of the six major banks continued to grow, with the Industrial and Commercial Bank of China (ICBC) surpassing 52 trillion yuan in total assets [4]. - The combined net profit of the six banks for the first half of 2025 was over 680 billion yuan, indicating a decline in net profit for some banks despite revenue growth [4]. Group 2: Individual Bank Performance - Industrial and Commercial Bank of China (ICBC): Total assets exceeded 52 trillion yuan, with operating income of 409.08 billion yuan (up 1.8%) and net profit of 168.10 billion yuan (down 1.4%). The non-performing loan (NPL) ratio was 1.33%, and the capital adequacy ratio was 19.54% [5][6]. - Agricultural Bank of China: Total assets reached 46.9 trillion yuan, with operating income of 369.8 billion yuan (up 0.7%) and net profit of 139.5 billion yuan (up 2.7%). The NPL ratio was 1.28% [6][7]. - Bank of China: Total assets were 36.79 trillion yuan, with operating income of 329.42 billion yuan (up 3.61%) and net profit of 117.59 billion yuan (down 0.85%). The NPL ratio was 1.24% [7][8]. - China Construction Bank: Total assets reached 44.43 trillion yuan, with operating income of 385.91 billion yuan (up 2.95%) and net profit of 162.08 billion yuan (down 1.37%). The NPL ratio was 1.33% [8][9]. - Bank of Communications: Total assets were 15.44 trillion yuan, with operating income of 133.50 billion yuan (up 0.72%) and net profit of 46.02 billion yuan (up 1.61%). The NPL ratio was 1.28% [9][10]. - Postal Savings Bank of China: Total assets reached 18.19 trillion yuan, with operating income of 179.45 billion yuan (up 1.50%) and net profit of 49.23 billion yuan (up 0.85%). The NPL ratio was 0.92% [10][11]. Group 3: Dividend Plans - All six banks announced mid-term dividend plans, with a total dividend amount exceeding 200 billion yuan. ICBC proposed a cash dividend of 1.414 yuan per 10 shares, totaling approximately 50.40 billion yuan [10][11]. - Agricultural Bank of China proposed a cash dividend of 1.195 yuan per 10 shares, totaling 41.82 billion yuan [10][11]. - Bank of China suggested a cash dividend of 1.094 yuan per 10 shares, totaling 35.25 billion yuan [10][11]. - China Construction Bank proposed a cash dividend of 1.858 yuan per 10 shares, totaling approximately 48.61 billion yuan [10][11]. - Bank of Communications proposed a cash dividend of 1.563 yuan per 10 shares, totaling 13.81 billion yuan [10][11]. - Postal Savings Bank of China proposed a cash dividend of 1.230 yuan per 10 shares, totaling approximately 14.77 billion yuan [10][11].