Core Viewpoint - Shanghai Rural Commercial Bank reported a slight decrease in operating income for the first half of 2025, while net profit showed a modest increase compared to the same period in 2024 [2][3]. Financial Performance - Operating income for the first half of 2025 was CNY 13,444.15 million, a decrease of 3.40% from CNY 13,917.06 million in the same period of 2024 [3]. - Operating profit increased to CNY 8,663.70 million, up 0.38% from CNY 8,630.50 million year-on-year [3]. - Total profit reached CNY 8,652.18 million, reflecting a 0.32% increase compared to CNY 8,624.76 million in 2024 [3]. - Net profit for the period was CNY 7,172.38 million, a 0.41% increase from CNY 7,142.85 million in the previous year [3]. Dividend Distribution - The company declared a cash dividend of CNY 2.41 per 10 shares for the 2025 interim period, totaling CNY 23.24 billion, with a distribution ratio of 33.14% [2]. Asset and Liability Overview - Total assets as of June 30, 2025, amounted to CNY 1,549.42 billion, an increase of 4.14% from CNY 1,487.81 billion at the end of 2024 [4]. - Total liabilities were CNY 1,418.40 billion, up 4.31% from CNY 1,359.83 billion [4]. - Total loans and advances reached CNY 774.16 billion, a 2.51% increase from CNY 755.22 billion [4]. Capital Adequacy and Asset Quality - The non-performing loan ratio remained stable at 0.97% [5]. - The provision coverage ratio decreased to 336.55% from 352.35% in the previous year [5]. - The capital adequacy ratio and core tier one capital ratio were above regulatory requirements, indicating a strong capital position [4]. Shareholder Information - The top ten shareholders include state-owned enterprises, with Shanghai State-owned Assets Management Co., Ltd. holding 9.29% of shares [6][8]. - The total number of ordinary shareholders as of the reporting date was 73,404 [5].