Group 1 - The core viewpoint of the article highlights the performance of Qilu Bank, which reported a year-on-year increase of 16.48% in net profit attributable to shareholders for the first half of 2025 [1] - Qilu Bank's total assets reached 751.305 billion yuan, surpassing Qingdao Bank's total assets of 743.028 billion yuan [6] - Both Qilu Bank and Qingdao Bank experienced a net profit growth rate exceeding 16% in the first half of the year, indicating a positive development trend for both banks [6] Group 2 - Zhang Hua, the current president of Qilu Bank, is noted to be 59 years old and has a long history within the bank, having joined before its name change in 2009 [3][5] - The chairman of Qilu Bank, Zheng Zugang, was appointed in April 2023 and is relatively young at 53 years old, having previously served as the head of the Agricultural Bank of China’s Tianjin branch [5] - In terms of revenue and net profit, Qingdao Bank leads with operating income of 7.658 billion yuan and net profit of 3.152 billion yuan, compared to Qilu Bank's operating income of 6.782 billion yuan and net profit of 2.734 billion yuan [6]

Core Viewpoint - The report indicates a modest growth in revenue and profit for the Bank of Communications, reflecting stable financial performance in the first half of 2025 [1] Financial Performance - The bank achieved a revenue of 133.68 billion yuan, representing a year-on-year increase of 0.77% [1] - The net profit attributable to shareholders was 46.016 billion yuan, up by 1.61% year-on-year [1] - The non-recurring net profit was 45.902 billion yuan, showing a year-on-year growth of 1.75% [1] - Basic earnings per share stood at 0.59 yuan [1] Loan and Deposit Growth - The total customer loan balance reached 9 trillion yuan, an increase of 443.77 billion yuan from the end of the previous year, marking a growth rate of 5.18% [1] - Customer deposit balance was 9.17 trillion yuan, up by 371.02 billion yuan from the end of the previous year, with a growth rate of 4.22% [1] Asset Quality - The non-performing loan ratio was 1.28%, a decrease of 0.03 percentage points from the end of the previous year [1] - The provision coverage ratio improved to 209.56%, an increase of 7.62 percentage points from the end of the previous year [1]

截至报告期末，集团资本充足率12.31%，比上年末下降0.30个百分点;一级资本充足率9.62%，比上年末 上升0.01个百分点;核心一级资本充足率8.39%，比上年末上升0.01个百分点。 截至报告期末，集团不良贷款率1.36%，比上年末下降0.02个百分点。拨备覆盖率169.78%，比上年末下 降8.89个百分点;贷款拨备率2.31%，比上年末下降0.15个百分点。 智通财经APP讯，浙商银行(601916.SH)披露2025年半年度报告，报告期实现营收332.48亿元，同比下降 5.76%;归母净利润76.67亿元，同比下降4.15%;扣非净利润77.52亿元，同比下降3.33%;基本每股收益0.28 元。 ...

北京商报讯（记者 孟凡霞 实习记者 周义力）8月28日晚间，兴业银行发布2025年半年度报告。数据显 示，报告期内，该行实现营业收入1104.58亿元，同比下降2.29%，降幅较一季度收窄1.29个百分点；实 现归属于母公司股东的净利润431.41亿元，同比增长0.21%，增速较一季度由负转正。 资产端，资产总额达到10.61万亿元，较上年末增长1.01%。负债端，落实自律机制要求，推进织网工 程、布局场景金融等，客户存款余额5.87万亿元，较上年末增长6.10%；存款付息率1.76%，较上年全年 下降22个基点；通过加大金融基础设施机构服务，发力要素市场交易和清结算，同业存款付息率 1.76%，较上年全年下降47个基点；计息负债平均成本率1.86%，较上年全年下降31个基点。 资产质量方面，2025年上半年，兴业银行不良贷款余额634.93亿元，较上年末增加20.16亿元，不良贷款 率1.08%，与一季度持平，较上年末上升0.01个百分点；拨备覆盖率228.54%，保持充足水平；核心一级 资本充足率9.54%，较上年同期上升0.06个百分点。 ...

Group 1: Financial Performance - As of the end of the reporting period, the total assets of Chongqing Rural Commercial Bank reached 1,630.131 billion yuan, an increase of 115.189 billion yuan compared to the end of the previous year [1] - The bank's operating income for the first half of 2025 was 14.741 billion yuan, an increase of 0.068 billion yuan, representing a growth rate of 0.46% year-on-year [3] - The net profit for the first half of 2025 was 7.847 billion yuan, an increase of 0.286 billion yuan, with a growth rate of 3.79% year-on-year [3] Group 2: Asset Quality and Capital Adequacy - The non-performing loan ratio stood at 1.17%, a decrease of 0.01 percentage points from the end of the previous year, indicating improved asset quality [1] - The capital adequacy ratio was reported at 15.11%, and the provision coverage ratio was 355.58%, demonstrating strong risk compensation capabilities [1] - The cost-to-income ratio was 26.58%, and the interest rate on deposits was 1.52%, which decreased by 27 basis points year-on-year [1] Group 3: Deposits and Loans - The deposit balance reached 1,025.195 billion yuan, an increase of 83.249 billion yuan compared to the end of the previous year [1] - The loan balance was 765.245 billion yuan, reflecting an increase of 50.972 billion yuan from the previous year [1]

截至报告期末，本行个人贷款余额1363.00亿元，占总贷款之比54.20%。个人经营性贷款余额944.59亿 元，占总贷款之比37.56%，个人经营性贷款户数31.60万户，占总贷款户数之比55.40%;个人经营性贷款 中信保类贷款余额509.66亿元，占比53.96%。 智通财经APP讯，常熟银行(601128.SH)披露2025年半年度报告，报告期公司实现营收60.62亿元，同比 增长10.10%;归属于上市公司股东的净利润19.69亿元，同比增长13.51%;扣非净利润19.52亿元，同比增 长12.30%;基本每股收益0.59元。拟每10股派发现金股利人民币1.50元(含税)。 ...

银行板块指数日K线图 范雨露 制图 ◎记者 黄坤 截至8月6日，已有浦发银行、杭州银行、常熟银行、宁波银行、齐鲁银行、青岛银行等6家A股上市银 行发布了2025年半年度业绩快报，营收净利均实现正增长，其中5家银行归母净利润同比增幅达两位 数。 一家头部券商银行业分析师表示，上市银行一季度业绩整体疲软，主要是因为债市调整带来的其他非息 收入增速大幅下滑。二季度债市回暖、息差压力减轻，推动半年度业绩有所好转。 天风证券银行业首席分析师刘杰表示，一方面，信贷供需矛盾缓和，贷款利率下行趋缓，同时高息定期 存款集中到期，存款成本改善红利释放，有望推动净息差边际企稳；另一方面，非息收入有望持续改 善，低基数叠加理财回暖下中收降幅有望收窄，二季度债市行情修复后，其他非息收入降幅有望收窄。 在保持稳健扩表的情况下，上半年，浦发银行、杭州银行、常熟银行、宁波银行、齐鲁银行、青岛银行 的营收、归母净利润均实现同比正增长。 归母净利润方面，常熟银行同比增幅为13.55%，杭州银行、齐鲁银行、青岛银行均超16%，浦发银行为 10.19%，宁波银行为8.23%。 齐鲁银行同步披露了营业收入的具体情况，其中利息净收入同比增长13.57% ...

Core Viewpoint - Qingdao Bank (002948.SZ) reported steady growth in operational scale and improved profitability in its semi-annual performance report for 2025, indicating a positive trend in asset quality and financial health [1] Financial Performance - As of June 30, 2025, the total assets of the company reached 743.03 billion yuan, an increase of 53.07 billion yuan, or 7.69% from the end of the previous year [1] - The total customer loans amounted to 368.41 billion yuan, up by 27.72 billion yuan, or 8.14% year-on-year [1] - Total liabilities were 695.94 billion yuan, increasing by 50.88 billion yuan, or 7.89% compared to the previous year [1] - Customer deposits totaled 466.14 billion yuan, rising by 34.12 billion yuan, or 7.90% year-on-year [1] Profitability - In the first half of 2025, the net profit attributable to shareholders was 3.065 billion yuan, an increase of 422 million yuan, or 16.05% year-on-year [1] - Operating revenue reached 7.662 billion yuan, up by 534 million yuan, or 7.50% compared to the previous year [1] - The annualized weighted average return on equity was 15.75%, an increase of 0.41 percentage points year-on-year [1] - Basic earnings per share were 0.53 yuan, an increase of 0.08 yuan, or 17.78% year-on-year [1] Asset Quality - As of June 30, 2025, the non-performing loan ratio was 1.12%, a decrease of 0.02 percentage points from the end of the previous year [1] - The provision coverage ratio improved to 252.80%, an increase of 11.48 percentage points compared to the previous year [1]