券商中国·2025-08-30 10:41Core Viewpoint - The banking industry has demonstrated stability and resilience in its mid-year performance for 2025, with a focus on supporting the real economy while transitioning towards digital transformation and diversified income sources [2][3]. Group 1: Financial Performance - A total of 42 A-share listed banks achieved operating income exceeding 2.9 trillion yuan, representing a year-on-year growth of over 1%, and a net profit attributable to shareholders of 1.1 trillion yuan, up by 0.8% [1]. - The six major state-owned banks reported a combined cash dividend exceeding 200 billion yuan for the mid-year period [2][10]. - The total asset scale of the six major banks reached approximately 214 trillion yuan, growing by about 7% compared to the end of the previous year [5][7]. Group 2: Revenue Structure - The revenue structure of listed banks is shifting from reliance on "single interest margin" to "diversified income," with non-interest income contributions increasing [3]. - In the first half of 2025, the six major banks collectively achieved a revenue of 1.8 trillion yuan, with a net profit of 682.52 billion yuan [3]. Group 3: Digital Transformation - The application of artificial intelligence (AI) has become a key driver for the transformation of banks, with various banks implementing AI strategies and establishing dedicated teams for AI development [13]. - Major banks have integrated numerous AI applications across various business lines, enhancing operational efficiency and customer service [13]. Group 4: Support for the Real Economy - As of the end of June, the loan balance of 42 A-share listed banks reached approximately 180 trillion yuan, reflecting a year-on-year growth of about 6%, with state-owned banks being the main contributors [14]. - The focus of credit allocation has been on supporting the real economy, particularly in areas such as small and micro enterprises, green finance, and technology finance [14].