Core Viewpoint - Guizhou Bank's half-year report for 2025 indicates a steady growth trajectory, achieving significant milestones in asset scale and financial performance, while maintaining a focus on supporting the real economy and rural revitalization efforts [1][2]. Financial Performance - As of the reporting period, Guizhou Bank's total assets reached 603.75 billion yuan, marking a growth of 13.76 billion yuan, or 2.33% since the beginning of the year [2]. - The bank's total loans amounted to 364.35 billion yuan, an increase of 17.26 billion yuan, or 4.97%, while total deposits reached 392.73 billion yuan, up by 17.73 billion yuan, or 4.73% [2]. - Operating income rose to 6.10 billion yuan, reflecting a year-on-year increase of 135 million yuan, or 2.26%, and net profit reached 2.13 billion yuan, up by 7 million yuan, or 0.31% [2]. - Net interest income was reported at 4.92 billion yuan, showing a growth of 13.25% [2]. Efficiency and Cost Management - The bank successfully reduced operating expenses by 3.08% compared to the same period last year [3]. - The bank's return on assets (ROA) and return on equity (ROE) were recorded at 0.72% and 8.08%, respectively [3]. Asset Quality - Guizhou Bank maintained a stable asset quality with a non-performing loan ratio of 1.69%, a decrease of 0.03 percentage points from the beginning of the year [3]. - The provision coverage ratio improved to 331.87%, an increase of 15.89 percentage points [3]. Support for Real Economy - The bank's technology finance loan balance reached 9.81 billion yuan, growing by 1.74 billion yuan, or 21.57% [3]. - Green credit balance was 61.29 billion yuan, up by 2.58 billion yuan, or 4.4% [3]. - Inclusive small and micro loans totaled 61.20 billion yuan, with a growth of 565 million yuan, or 0.93% [3]. - Loans for the elderly care industry reached 1.62 billion yuan, increasing by 590 million yuan, or 57.22% [3]. - Digital economy loans amounted to 4.00 billion yuan, up by 890 million yuan, or 28.57% [3]. Strategic Focus Areas - Guizhou Bank supported new industrialization loans totaling 36.20 billion yuan and new urbanization loans of 149.81 billion yuan [4]. - The bank emphasized financial services for key sectors such as the phosphate industry, pharmaceutical distribution, and agriculture [4]. - The bank's agricultural modernization loan balance was 32.41 billion yuan, reflecting a growth of 3.22 billion yuan [5]. Consumer Finance and Small Business Support - The bank enhanced its consumer finance services, with consumer financial assets reaching 36.77 billion yuan, an increase of 1.16 billion yuan [6]. - Guizhou Bank focused on small and micro enterprises, providing loans totaling 18.86 billion yuan to 18,500 clients [7].