资产结构持续优化战略领域重点发力 近日，中国企业联合会发布了"2025中国企业500强"榜单。其中，华夏银行排名第146位，彰显了其在复 杂经济环境中稳健发展的综合实力。 这份成绩单与华夏银行近日发布的2025年半年度报告形成呼应。2025年上半年，华夏银行资产总额达 4.55万亿元，较上年末增长3.96%，在规模稳步扩张的同时，绿色金融、数字经济等战略领域表现亮 眼，经营质效呈现结构性优化态势。 根据华夏银行2025年中期利润分配方案，该行拟合计派发现金股利15.91亿元，继续保持现金分红政策 的连续性和稳定性，与投资者分享经营发展成果。 同时，数字化转型已成为华夏银行提升运营效率的重要引擎。2025年上半年，该行企业级数据服务平 台"数据魔方"入选"2025年央国企数字化转型十大标杆案例"。该平台通过构建"多维监测+数据分析+数 据建模"的赋能体系，实现发现问题、剖析问题、解决问题的价值闭环。 据了解，华夏银行全面深化智慧运营体系建设，持续推动营业网点数字化转型，强化网点数据聚合分析 能力，深入推广数字函证业务，持续深化RPA技术应用。目前，在线场景总数达到2045个，累计节约工 时35.21万小时。 战 ...

Core Insights - 华夏银行 ranked 146th in the "2025 China Top 500 Enterprises" list, reflecting its robust development in a complex economic environment [1] - The bank's total assets reached 4.55 trillion yuan in the first half of 2025, a 3.96% increase from the end of the previous year, with notable performance in green finance and digital economy sectors [1][2] - The bank plans to distribute a total cash dividend of 1.591 billion yuan, maintaining a consistent and stable cash dividend policy [1] Asset Structure Optimization - The steady growth of total assets and continuous optimization of the asset structure are key to the bank's social recognition [2] - Total assets surpassed 4.5 trillion yuan, increasing by 173.134 billion yuan, with total deposits reaching 2.322 trillion yuan, up by 171.789 billion yuan [2] - The bank's green loan balance reached 332.905 billion yuan, with a growth rate exceeding the overall loan growth by 14.48 percentage points, demonstrating commitment to the "dual carbon" strategy [2] Digital Economy Performance - In the digital economy sector, loans directed towards core industries grew faster than the overall loan growth by 12.13 percentage points, with a year-on-year increase in proportion [3] - The bank effectively meets the financial needs of enterprises undergoing digital transformation through its industry digital finance model [3] Revenue Structure Improvement - The bank achieved a 2.55% year-on-year increase in net fee and commission income, which has become a crucial counterbalance to the pressure from narrowing net interest margins [4] - The bank's digital transformation has significantly enhanced operational efficiency, with its data service platform recognized as a benchmark case for digital transformation [4] Support for Real Economy - The bank continues to focus on serving the real economy, particularly in inclusive finance and support for small and micro enterprises [5] - The balance of inclusive small and micro enterprise loans reached 190.322 billion yuan, with a year-on-year growth of 4.21% and a reduction in annualized interest rates by 52 basis points [5] Risk Management - The bank maintains a stable overall non-performing loan ratio of 1.60%, with a corporate loan non-performing rate decreasing by 0.23 percentage points to 1.36% [6] - The capital adequacy ratio stands at 13.07%, significantly above regulatory requirements, providing ample room for business development [6]

Core Insights - 华夏银行 ranked 146th in the "2025 China Top 500 Enterprises" list, reflecting its robust development in a complex economic environment [1] - As of mid-2025, the bank's total assets reached 4.55 trillion yuan, a 3.96% increase from the end of the previous year, indicating steady growth and structural optimization in its operations [1][2] Asset Structure and Strategic Focus - The bank's total assets surpassed 4.5 trillion yuan, increasing by 173.13 billion yuan, with total deposits reaching 2.322 trillion yuan, up by 171.79 billion yuan, providing a solid funding base for business development [2] - In the green finance sector, the balance of green loans reached 332.91 billion yuan, with a growth rate exceeding the overall loan growth by 14.48 percentage points, demonstrating the bank's commitment to the "dual carbon" strategy [2] - In the digital economy sector, loans directed towards core digital economy industries grew faster than overall loan growth by 12.13 percentage points, with a year-on-year increase in proportion by 0.39 percentage points [3] Revenue Structure and Digital Transformation - The bank's net fee and commission income grew by 2.55% year-on-year, becoming a crucial counterbalance to the pressure from narrowing net interest margins [4] - The bank's enterprise-level data service platform "Data Cube" was recognized as one of the top ten benchmark cases for digital transformation in 2025, enhancing operational efficiency through a comprehensive data analysis system [4] Support for Real Economy and Risk Management - The balance of loans for inclusive small and micro enterprises reached 190.32 billion yuan, a 4.21% increase from the previous year, with a reduction in annualized interest rates by 52 basis points [5] - The bank maintained a stable overall non-performing loan ratio of 1.60%, with a corporate loan non-performing rate decreasing by 0.23 percentage points to 1.36% [6] - The capital adequacy ratio stood at 13.07%, significantly above regulatory requirements, allowing for ample room for business development [6]