Core Insights - The company reported a revenue of approximately RMB 417 million for the six months ending June 30, 2025, representing a year-on-year decline of about 1.4% [1] - The profit for the same period was approximately RMB 144 million, showing a year-on-year increase of about 5.1% [1] - The average return on equity for the period was 10.1%, while the average return on assets was 2.2% [1] Financial Performance - The average yield on interest-earning assets decreased to 6.0% from 6.6% in the previous year, a reduction of 0.6 percentage points, primarily due to intensified industry competition and a decline in market average interest rates [1] - The interest expense cost rate decreased from 3.6% to 3.0%, attributed to the company's ongoing optimization of its financing structure and exploration of new financing channels [1] - The company maintained a stable net interest margin despite the decline in average yield on interest-earning assets and the reduction in interest expense cost rate, indicating stability in profitability [1]