炒股就看金麒麟分析师研报，权威，专业，及时，全面，助您挖掘潜力主题机会！ 作者 | 刘银平编辑 | 付影 自前行长虞利明因"个人原因"辞任8个多月后，杭州银行（600926.SH）或迎来新任行长。根据"金融人 事"等多家媒体消息，副行长张精科有望被提拔为行长，具体还要等杭州银行"官宣"。 4月2日，虞利明被传"失联"，一时间引发市场广泛关注。就在舆论发酵之时，次日杭州银行就发布了虞 利明辞去副董事长、行长职务的公告，董事长宋剑斌临时接任行长职责，直至新行长获批。 高层更迭的同时，杭州银行在业绩上保持增长态势，前三季度营收双双增长，但营收却以1.35%的增 幅，创下近年来的最低水平。 1 47岁副行长或提拔为行长，监事长重回副行长座位 被传出拟出任行长的张精科出生于1978年8月，47岁正是金融高管的黄金年龄，公开资料显示其毕业于 复旦大学、浙江工商大学，研究生学历，项目管理硕士，高级经济师。 和前行长虞利明的外聘不同，张精科是一位从杭州银行内部培养起来的高管，2003年便加入了杭州银行 总行营业部，是该行当时最年轻的公司业务经理，在杭州银行体系任职超过20年。 2009年6月，张精科参与筹建杭州银行科技支行并 ...

Core Insights - The six major state-owned banks in China reported mixed performance in their mid-year results for 2025, with total assets exceeding 200 trillion yuan and a combined net profit of 693.9 billion yuan, averaging a daily profit of 3.8 billion yuan [1][4]. Financial Performance - All six banks achieved revenue growth year-on-year, with China Bank leading at 3.76% and Construction Bank following at 2.15%, while net profit showed a "three up, three down" trend [2][3]. - Agricultural Bank recorded the highest net profit growth at 2.53%, while Industrial and Commercial Bank, Construction Bank, and China Bank experienced declines in net profit ranging from -1% to -2% [2][3]. Asset Quality and Risk Management - By the end of June 2025, the non-performing loan (NPL) ratio for the six banks decreased, with Postal Savings Bank being the only bank to see an increase, maintaining the lowest NPL ratio at 0.92% [9][10]. - The provision coverage ratio for non-performing loans varied, with China Bank's ratio falling below 200%, while Agricultural Bank maintained the highest at 295% [11][12]. Capital Adequacy and Dividends - The core Tier 1 capital adequacy ratio showed mixed results, with three banks increasing their ratios and three decreasing, while all banks maintained a ratio above 10% [12][13]. - The six banks proposed a total interim dividend of 204.66 billion yuan, with each bank distributing 30% of their net profit as cash dividends [12][14]. Interest Margin and Fee Income - The net interest margin continued to decline across the banks, with Postal Savings Bank having the highest margin at 1.7%, despite a year-on-year decrease [5][6]. - Fee and commission income showed growth for four banks, with Postal Savings Bank leading at an increase of 11.59%, while Industrial and Commercial Bank and Construction Bank saw declines [7].