科技是国家强盛之基。作为金融"国家队"，交通银行始终将做好"科技金融"大文章视为践行金融 工作政治性、人民性的重要举措，持续优化科技金融多层次服务体系，为科技型企业提供全周 期、全链条、接力式金融服务，推动建立健全与实现高水平科技自立自强和科技强国建设高度适 配的金融服务体系。 强化顶层设计 健全多层次科技金融服务体系 交行修订《公司章程》，优化调整董事会战略委员会定位，着力构建与"五篇大文章"战略部 署相匹配的治理体系，实现集团战略推进机制的高位重构。设立科技金融委员会，优化科技 金融组织架构体系，形成高效联动的"总分辖支"四级工作机制。2 0 2 5年6月，对照科技部、人 行等国家七部委联合印发的科技金融支持政策，制定《交通银行加快推进科技金融高质量发 展的行动措施》，重点围绕组织机制优化、信贷服务体系升级、直接融资渠道拓展、创新推 进机制构建、集团协同效能提升及支撑保障强化等六大方面，系统梳理支持科技型企业发展 政策措施，促进全行提高工作效率、增强整体协作能力。 推出"交银科创" 打造科技金融专业品牌 交行将科技金融作为战略特色，整合资源推出"交银科创"专业品牌。首创" 4+3 "服务模式陪伴 企业成长 ...

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].