作为银行主营的存贷款业务的营收体现，利息净收入对营业收入的贡献度最高，是商业银行最主要的收 入来源。保持合适的净息差水平有利于银行补充核心资本以及提升风险抵御能力。受贷款市场报价利率 (LPR)下调、存量房贷利率调整、存款期限结构变动等因素影响，当前商业银行息差压力犹存。 中报季落下帷幕，重庆银行在这场金融"大考"中脱颖而出，向市场交出了一份亮眼的成绩单。2025年上 半年，该行实现营业收入76.59亿元、净利润33.94亿元、净利息收入超58亿元，同比分别增长7%、 5.7%、12.2%。在人均、网均资产及利润等多项指标方面，保持全国上市城农商行较好水平，彰显出强 劲的发展态势。 立足城商行市场定位，重庆银行深度融入国家战略发展大局、加力做好金融"五篇大文章"。截至2025年 7月31日，资产总额达到10087亿元，提前完成"十四五"战略规划目标。资产规模稳步扩张的同时，资产 质量亦呈现出持续向好的态势，主要风控指标实现"三降一升"。截至6月末，该行不良贷款率、关注贷 款率、逾期贷款率分别为1.17%、2.05%、1.58%，较年初下降0.08、0.59、0.15个百分点；拨备覆盖率提 升3.2个百分点至2 ...

Core Viewpoint - Zhengzhou Bank has successfully transformed its performance in the first half of 2025, achieving significant growth in profit and revenue amidst a challenging banking environment [2][3]. Financial Performance - In the first half of 2025, Zhengzhou Bank reported revenue of 6.69 billion yuan and net profit attributable to shareholders of 1.627 billion yuan, with year-on-year growth rates of 4.64% and 2.10% respectively [2]. - The bank's profit growth rate has increased by 24.22 percentage points compared to the previous year, positioning it among the top A-share listed banks in terms of profit growth [2][3]. Asset Quality and Growth - Zhengzhou Bank's net interest income grew by 1.04% to 5.351 billion yuan, while non-interest income surged over 20% to 1.339 billion yuan, indicating a positive change in revenue structure [4]. - The bank's non-performing loan ratio decreased by 0.03 percentage points from the end of the previous year, with a provision coverage ratio of 179.20% and a capital adequacy ratio of 11.85%, all meeting regulatory requirements [4]. Strategic Positioning - The bank's success is attributed to its focus on serving the local economy, small and medium-sized enterprises, and urban and rural residents, which has guided its business transformation and risk management [6]. - Zhengzhou Bank's total assets reached 700 billion yuan in the first quarter of 2025, with a significant increase in asset scale, achieving a historical high growth rate of 11.47% in total assets compared to the same period in 2018 [7][8]. Loan and Credit Structure - As of June, the total amount of loans and advances issued by Zhengzhou Bank was 406.094 billion yuan, reflecting a growth of 4.75% since the beginning of the year, with notable increases in both corporate and retail loan balances [8]. - The bank has implemented tailored financing solutions for struggling enterprises, showcasing its commitment to supporting local businesses and stabilizing regional economic development [8]. Retail Transformation - Zhengzhou Bank has made significant strides in retail transformation, focusing on customer-centric services and developing various financial service models, with a balance of inclusive small and micro loans reaching 52.578 billion yuan [9]. Operational Efficiency - The bank achieved a reduction in overall business and management expenses to 1.468 billion yuan, a decrease of 6.82% year-on-year, effectively enhancing profitability [11]. - Continuous improvements in digital services and risk management have been emphasized, aiming to strengthen the foundation for high-quality development [11].