Core Viewpoint - Jinshang Bank has achieved steady growth in its performance for the first half of 2025, focusing on high-quality development and effectively serving the real economy while managing risks and promoting reforms [2]. Group 1: Financial Performance - As of June 30, 2025, Jinshang Bank's total assets reached 388.26 billion yuan, an increase of 11.95 billion yuan, or 3.2%, from the end of the previous year [3]. - The bank's deposit balance was 304.08 billion yuan, up by 3.21 billion yuan, or 1.1% [3]. - The loan balance stood at 208.64 billion yuan, reflecting an increase of 7.23 billion yuan, or 3.6% [3]. - The net profit for the period was 1.05 billion yuan, an increase of 20 million yuan compared to the same period last year [3]. Group 2: Support for the Real Economy - Jinshang Bank has increased support for key sectors such as industrial transformation, energy revolution, and infrastructure construction, focusing on tailored financial services for small and micro enterprises [4]. - The bank has developed a "Code Loan" product aimed at small micro clients and has implemented a "one town, one policy" approach to provide comprehensive financial services [4]. - As of June 30, 2025, the total amount of corporate loans was 136.61 billion yuan, an increase of 7.3% from the end of the previous year [4]. Group 3: Risk Management - Jinshang Bank emphasizes risk management, maintaining a non-performing loan ratio of 1.77% as of June 30, 2025, ensuring asset quality remains stable [7]. - The bank's provision coverage ratio was 215.00%, an increase of 9.54 percentage points from the end of the previous year [8]. - Capital adequacy ratios were reported as follows: total capital adequacy ratio at 12.96%, up by 0.12 percentage points; Tier 1 capital adequacy ratio at 11.06%, up by 0.09 percentage points; and core Tier 1 capital adequacy ratio at 10.27%, also up by 0.09 percentage points [8]. Group 4: Digital Transformation - Jinshang Bank has made significant progress in digital transformation, enhancing its capabilities in business operations, data management, and technology [9]. - The bank's small micro credit customers increased by 140.4% since the beginning of the year, and mobile banking registered users grew by 5.0% [9]. - The bank has implemented numerous robotic process automation (RPA) applications, saving 23,000 man-hours per year [10]. Group 5: Internal Development and Future Outlook - Jinshang Bank is enhancing its corporate governance and has initiated a human resources management plan for 2026-2030 to improve management efficiency [11]. - The bank aims to focus on optimizing asset allocation, deepening technological empowerment, and enhancing operational efficiency in the second half of 2025 [12].