12.07%。公司 AI 技术正持续渗透核心业务领域。在 AI 金融领域，公司在数字渠 道、数字运营、数字营销、数字财管、数字风控等领域，赋能银行数字化转型， 助力银行降本增效提升核心竞争力。上半年，数字财管软件产品斩获广州农商行 等多家区域性银行订单；征信大数据业务在新增项目、覆盖区域方面实现多维度 突破。在 AI 政务领域，公司打造了智慧城市大脑、公共数据运营平台、城市可信 数据空间等系列产品，为城市数字化治理打造核心基础设施，已在广州从化、广 州花都、清远、汕尾、茂名、湛江、平顶山、龙岩等地多点开花。在 AI 交通领域， 公司 AI 大模型驱动收费场景革新，签署河南中天一体化收费项目、河南中天行业 大模型应用开发服务器采购项目合同，并加速刷掌全生态产品研发与业务布局， 智慧出行设备在国际航空枢纽试点落地。 2、公司在行业大模型和 AI Agent 方面有哪些积累和行业落地案例？ 广电运通集团股份有限公司 投资者关系活动记录表 编号：2025014 | 投资者关系活 | □特定对象调研 □分析师会议 □媒体采访 | | | | | | --- | --- | --- | --- | --- | --- | ...

Core Insights - The core viewpoint of the article highlights the financial performance of China Merchants Bank (招商银行) for the first half of 2025, indicating a slight increase in net profit despite a decline in revenue, alongside the introduction of the "AI First" strategy to enhance digital transformation [1][3][6]. Financial Performance - In the first half of 2025, China Merchants Bank reported a net operating income of 1699.23 billion yuan, a year-on-year decrease of 1.72% [1][3]. - The net profit attributable to shareholders was 749.3 billion yuan, reflecting a year-on-year growth of 0.25%, indicating a turnaround from negative growth [1][3]. - Interest income for the bank was 1770.14 billion yuan, down 5.84% year-on-year, accounting for 62.41% of total operating income, primarily due to lower mortgage rates and a decline in the Loan Prime Rate (LPR) [3][4]. - Non-interest income decreased to 638.84 billion yuan, a decline of 6.73% year-on-year, representing 37.59% of total operating income [4]. Asset Quality and Growth - As of June 30, 2025, the bank's total assets reached 12.66 trillion yuan, a growth of 4.16% from the end of the previous year [5]. - The total loans and advances amounted to 71.17 trillion yuan, increasing by 3.31% [5]. - The total customer deposits were 94.22 trillion yuan, up 3.58% from the previous year [5]. - The non-performing loan (NPL) ratio stood at 0.93%, a decrease of 0.02 percentage points from the end of the previous year [5]. Strategic Initiatives - The bank introduced the "AI First" strategy in its mid-year report, emphasizing the priority of AI capabilities in its digital transformation efforts [6][9]. - The "AI First" strategy aims to build an AI-driven organization and enhance the bank's technological capabilities, with a focus on integrating AI into financial services [8][10]. - The bank's investment in information technology reached 44.44 billion yuan, representing 2.93% of its operating income, with a significant number of employees dedicated to technology [10].

Group 1 - The seminar titled "Value Reconstruction, Co-creating the Future" focused on high-quality development in the capital market, gathering over 200 representatives from various sectors to explore innovative paths for capital market services to the real economy and promoting high-quality economic development in Guangzhou [1] - The event responded to the "New National Nine Articles" issued by the State Council, which outlines a clear development blueprint for China's capital market, leading to the introduction of nearly 50 supporting rules by the CSRC covering various aspects such as issuance, trading mechanisms, mergers and acquisitions, delisting supervision, and investor protection [1] - Liu Jipeng, a professor from China University of Political Science and Law, emphasized the key role of state-owned capital in revitalizing the stock market and its importance for stabilizing local finances through operational and transfer income [1] Group 2 - Liu Wenliang, a fund manager from GF Asset Management, analyzed how to identify high-quality companies with sustainable competitiveness and value creation potential under the requirements for high-quality development [2] - Yang Zhengwang, a senior index researcher from E Fund, reviewed the development of China's ETF market, highlighting its potential as an efficient investment tool in the context of asset allocation transformation and capital market reforms [2] - The roundtable discussion featured insights from various industry experts, including strategies for leveraging low-altitude economy opportunities, AI integration in core business, and investment focus on sectors like technology, high-end manufacturing, and pharmaceuticals [2][3] Group 3 - The seminar served as a high-level platform for intellectual exchange and practical communication within Guangzhou's capital market, with the Guangzhou Fund Industry Association committing to facilitate efficient connections between policies, capital, and industries [3]