Core Insights - Zhangjiagang Rural Commercial Bank reported a revenue of 2.605 billion yuan for the first half of 2025, reflecting a year-on-year increase of 1.72% [1] - The net profit attributable to shareholders reached 995 million yuan, marking a year-on-year growth of 5.11% [1] - The bank's net fee and commission income surged to 60.6155 million yuan, a significant increase of 140% compared to the same period last year [1] Financial Performance - The bank's fee and commission expenses decreased by 39.16% to 61.3551 million yuan, primarily due to reduced agency business fees [1] - As of the end of June, the non-performing loan ratio stood at 0.94%, unchanged from the beginning of the year [1] - The provision coverage ratio improved by 7.95 percentage points to 383.98% [1] Loan Business - The balance of agricultural and small micro loans reached 124.625 billion yuan, an increase of 8.389 billion yuan since the beginning of the year, accounting for 90.88% of the total [1] - Loans to private enterprises amounted to 84.811 billion yuan, up by 5.283 billion yuan, representing 61.85% of the total [1] - The growth rate for inclusive small micro enterprise loans was 9.15% [1] Profit Distribution - The bank proposed a cash dividend of 1.0 yuan (including tax) for every 10 shares, subject to approval at the 2025 first extraordinary general meeting [2]