Core Viewpoint - Changshu Bank's 2025 interim report shows significant growth in both operating income and net profit, marking a positive trend for the bank's financial performance [2][4]. Financial Performance - For the first half of 2025, Changshu Bank reported operating income of 6.062 billion yuan, a year-on-year increase of 10.1% [4]. - The net profit attributable to shareholders reached 1.969 billion yuan, reflecting a year-on-year growth of 13.51% [4]. - Interest income was 4.640 billion yuan, up 0.83% year-on-year, accounting for 76.54% of total revenue [4]. - Non-interest income surged to 1.422 billion yuan, a remarkable increase of 57.26%, making up 23.46% of total revenue [4]. Dividend Distribution - Changshu Bank plans to distribute a cash dividend of 0.15 yuan per share, totaling 499 million yuan, which represents 25.27% of the net profit attributable to shareholders [3][4]. - This marks the bank's first implementation of a mid-year dividend distribution, reflecting its commitment to providing continuous returns to investors [3]. Non-Interest Income Growth - The bank's fee and commission income reached 142 million yuan, with a staggering growth of 637.77%, driven by active engagement in self-managed wealth management and intermediary services [4]. - Investment income for the bank was reported at 1.201 billion yuan, a 30.94% increase, with bond investments showing a significant rise of 560.13% [4]. Village and Town Bank Development - In the first half of 2025, 66.52% of Changshu Bank's operating income came from regions outside Changshu, with 49.88% from within Jiangsu province and 16.64% from outside Jiangsu [7]. - The bank has actively absorbed and merged with village banks, planning three "village reform branches" and merging seven village banks [7]. - As of mid-2025, the total assets of the bank's village banks reached 63.91 billion yuan, with a non-performing loan ratio of 1.05% [7].