Core Viewpoint - Changshu Bank is the first listed bank in A-shares to release its semi-annual report for 2025, showcasing solid growth in revenue and net profit, alongside a stable asset quality [1][4]. Financial Performance - For the first half of 2025, Changshu Bank achieved an operating income of 6.06 billion, representing a year-on-year increase of 10.1% [6]. - The net profit attributable to shareholders reached 1.97 billion, reflecting a growth of 13.51% compared to the same period in 2024 [4][6]. - The total profit amounted to 2.46 billion, up by 12.8% year-on-year [6]. Business Scale - As of June 30, 2025, the total assets of Changshu Bank stood at 401.23 billion, marking a growth of 9.45% from the end of the previous year [4][6]. - The total loan amount was 2514.71 billion, with a year-on-year increase of 4.4% [4]. - Total deposits reached 3107.77 billion, reflecting an 8.46% increase from the previous year [4]. Loan Composition - Personal loans constituted 54.20% of total loans, while personal operating loans made up 37.56% [4]. - The balance of inclusive small and micro enterprise loans for single credit under 10 million was 104.35 billion, with 213,300 loan accounts [4]. Asset Quality - The non-performing loan ratio was 0.76%, a slight decrease of 0.01 percentage points from the beginning of the year [4]. - The provision coverage ratio was 489.53%, down by 10.98 percentage points compared to the end of the previous year [4]. Capital Adequacy - The core tier 1 capital adequacy ratio and total capital adequacy ratio were 10.73% and 10.78%, respectively, both showing a decline of 0.45 and 0.46 percentage points from the end of the previous year [4].

Core Viewpoint - Changshu Bank reported a net profit of over 1.969 billion yuan for the first half of 2025, marking a year-on-year increase of over 13% [2][4]. Financial Performance - For the first half of 2025, Changshu Bank achieved an operating income of 6.062 billion yuan, a year-on-year growth of 10.1% [4][6]. - The net profit attributable to shareholders was 1.969 billion yuan, reflecting a 13.51% increase compared to the same period in 2024 [4][6]. - The total assets of Changshu Bank reached 401.23 billion yuan by the end of June 2025, representing a growth of 9.45% from the end of the previous year [4][6]. Loan and Deposit Growth - The total loan amount stood at 251.47 billion yuan, with a year-on-year increase of 4.4% [4]. - Total deposits amounted to 310.78 billion yuan, showing an increase of 8.46% compared to the end of the previous year [4]. - Personal loans accounted for 54.20% of total loans, while personal operating loans made up 37.56% [4]. Asset Quality - As of June 30, 2025, the non-performing loan ratio was 0.76%, a slight decrease of 0.01 percentage points from the beginning of the year [4]. - The provision coverage ratio was 489.53%, down by 10.98 percentage points from the end of the previous year [4]. Capital Adequacy - The core Tier 1 capital adequacy ratio was 10.73%, and the total capital adequacy ratio was 10.78%, both showing a decline of 0.45 and 0.46 percentage points respectively from the end of the previous year [5].