"今年上半年，我行坚持战略定位，强化战略执行，进一步深化以客户为中心的理念，聚焦服务实体经 济，支持发展新质生产力，更加注重可持续增长和内生价值创造，更加注重精细化管理和效率效能提 升，经营整体呈现'稳中有进'的态势。"8月29日，在中国民生银行（600016）召开的2025年半年度业绩 说明会上，民生银行副董事长、行长王晓永表示。 民生银行半年报显示，报告期内，该行营业收入稳健增长。今年上半年，民生银行实现营业收入724亿 元，同比增长7.83%，其中，净利息收入和净非利息收入实现"双增"。 "从结构上看，基础客户经营、基础业务和基础服务产生的收入表现出积极增长，体现了可持续性收入 增长的整体向好态势。从贡献上看，可持续性收入韧性增强主要源于净息差的企稳改善。"王晓永强 调。 截至2025年6月末，民生银行净利息收入同比增长1.28%。上半年净息差1.39%，同比上升1个基点，在 行业息差整体承压的环境下实现企稳回升，有力支撑了净利息收入稳步增长。 半年报显示，民生银行今年上半年净利润同比下降4.87%。"主要是加大了风险拨备提取比例，拨备覆 盖率比年初上升3.12个百分点。"王晓永解释说。 "在业务发展上 ...

Core Viewpoint - Minsheng Bank reported a total asset of 78,149.69 billion yuan by the end of 2024, an increase of 1,400.04 billion yuan, or 1.82% year-on-year [1] Financial Performance - The total loan and advance amount reached 44,504.80 billion yuan, up by 656.03 billion yuan, or 1.50% year-on-year [1] - The net interest margin for 2024 was 1.39%, a year-on-year decrease of 7 basis points, with signs of stabilization in the second half of the year [1] - Total deposits amounted to 42,490.95 billion yuan, an increase of 1,843.63 billion yuan, or 4.54% from the previous half [2] Loan Growth and Focus Areas - Green credit, manufacturing loans, and inclusive small and micro enterprise loans grew by 22.41%, 9.38%, and 8.24% respectively, all exceeding the average loan growth rate [1] - Loans in key regions such as Beijing-Tianjin-Hebei, Yangtze River Delta, and Guangdong-Hong Kong-Macao Greater Bay Area accounted for 65.57% of total loans, up by 0.69 percentage points year-on-year [1] Customer Strategy and Growth - The number of strategic customers increased to 1,992, up by 303 from the previous year, with supply chain core customers rising to 2,494, an increase of 1,162 [2] - The number of institutional clients reached 39,637, reflecting a growth of 15.96% year-on-year [3] Small and Micro Finance - The balance of small micro loans was 8,551.02 billion yuan, an increase of 638.86 billion yuan year-on-year, with inclusive small micro enterprise loans at 6,627.18 billion yuan, up by 504.49 billion yuan [4] - The average interest rate for inclusive small micro enterprise loans was 4.27%, down by 38 basis points from the previous year [4] Retail Banking - Retail customers reached 13,429.02 million, a growth of 5.99% year-on-year, with private banking clients increasing by 12.48% to 62,100 [4] - Total assets of private banking clients amounted to 8,659.69 billion yuan, an increase of 890.27 billion yuan, or 11.46% year-on-year [4]