Core Viewpoint - Guizhou Bank reported stable performance in the first half of 2025, achieving growth in both revenue and net profit, with a focus on expanding its rural market and enhancing digital transformation efforts [1][5]. Financial Performance - In the first half of 2025, Guizhou Bank's revenue reached 6.102 billion yuan, a year-on-year increase of 2.26%, while net profit grew by 0.31% to 2.129 billion yuan [1]. - The bank's asset scale surpassed 600 billion yuan for the first time, totaling 603.747 billion yuan as of June 30, 2025, reflecting a year-to-date increase of 137.6 billion yuan or 2.33% [3]. - The loan total reached 364.347 billion yuan, with a growth of 172.62 billion yuan or nearly 5% since the beginning of the year [3]. - The deposit total was 392.731 billion yuan, increasing by 177.29 billion yuan or 4.73% [3]. - The non-performing loan ratio decreased by 0.03 percentage points to 1.69%, and the provision coverage ratio improved by 15.89 percentage points to 331.87% [3]. Digital Transformation - Guizhou Bank aims to become a "smart regional bank," emphasizing digital transformation through data and technology [6]. - The bank has successfully launched several digital initiatives, including a Harmony OS mobile banking app and an AI credit assistant, enhancing operational efficiency [7][8]. - The bank has also implemented a private cloud deployment for its core trading system and introduced a large model platform for various applications, improving customer experience and operational efficiency [8]. Support for Regional Development - Guizhou Bank is committed to supporting the province's "14th Five-Year Plan," focusing on high-quality development and modernization in various sectors [10]. - As of June 30, 2025, the bank has provided significant loans to support new industrialization (36.199 billion yuan), urbanization (149.814 billion yuan), tourism (23.001 billion yuan), and agricultural modernization (32.411 billion yuan) [10]. - The bank has increased its lending to rural areas, with agricultural modernization loans growing by 32.21 billion yuan or over 11% since the beginning of the year [11].

随着数字化转型的持续深入推进，贵州银行经营成效不断释放，2025年半年度报告显示，期 内， 该行 营收、净利润分别录得61.02亿元、21.29亿元，同比双双增长，在行业息差收窄 的趋势下凸显强劲增长韧性。值得注意的是，截至期末，该行资产规模更是突破了6000亿元 关口。 公开数据显示，在英国《银行家》杂志发布的《2025年全球银行1000强榜单》中，贵州银行 排 名 全 球 248 位 ， 在 中 国 银 行 业 协 会 公 布 的 《 2024 年 中 国 银 行 业 100 强 榜 单 》 中 排 名 第 46 位。 营收、净利润实现双增长 对公及零售业务稳健发展 期内，贵州银行坚持稳中求进总基调，全面贯彻新发展理念，深化转型发展，全行经营保持稳 中有进、稳中向好态势。 从整体业绩来看，报告期内，该行营业收入和净利润实现双增，即营业收入61.02亿元，同比 增长1.35亿元，增幅2.26%；净利润21.29亿元，同比增长0.07亿元，增幅0.31%。其中， 淨 利 息 收 入 49.18 亿 元 同 比 增 长 13.25% ， 占 营 收 比 例 为 80.60%； 净 息 差 录 得 1.91% ， ...