Core Viewpoint - CITIC Bank emphasizes maintaining a balance between risk management and profit generation, highlighting that this approach is fundamental to its performance growth [1]. Financial Performance - For the first half of 2025, CITIC Bank reported a net profit attributable to shareholders of 36.478 billion yuan, an increase of 2.78% year-on-year [1]. - The bank's operating income was 105.762 billion yuan, reflecting a decrease of 2.99% compared to the previous year [1]. - As of the end of the reporting period, total assets reached 9,858.466 billion yuan, a growth of 3.42% from the end of the previous year [1]. - Total loans and advances amounted to 5,801.9 billion yuan, up 1.43% year-on-year [1]. - Customer deposits totaled 6,106.907 billion yuan, marking a 5.69% increase from the previous year [1]. Asset Quality - The non-performing loan (NPL) balance stood at 67.134 billion yuan, an increase of 649 million yuan or 0.98% from the previous year [1]. - The NPL ratio remained stable at 1.16%, unchanged from the end of the previous year [1]. - The provision coverage ratio was 207.53%, down by 1.90 percentage points from the end of the previous year, but up by 0.42 percentage points from the first quarter [1]. Strategic Focus for the Second Half - The bank plans to enhance asset allocation by increasing loan investments in key sectors while promoting personal loans and credit card business in retail [2]. - There will be a focus on refined liability management, aiming to increase the proportion of demand deposits and strengthen the bank's advantages in transaction settlement [2]. - The bank aims to grow non-interest income by collaborating with CITIC Financial Holdings' subsidiaries in wealth management and expanding its financial market trading operations [2].