Core Viewpoint - Bohai Bank reported steady growth in operating indicators for the first half of 2025, achieving a "double increase" in operating income and net profit, with a focus on stability and quality improvement in financial services [2][3]. Group 1: Financial Performance - For the first half of 2025, Bohai Bank achieved operating income of 14.215 billion yuan, a year-on-year increase of 8.14%, and net profit of 3.83 billion yuan, a year-on-year increase of 3.61% [3]. - As of the end of June, the bank's total assets reached 1.82 trillion yuan, with loans and advances increasing by 17.066 billion yuan to 942.428 billion yuan, a growth of 1.84% [3]. - The total amount of corporate loans reached 693.5 billion yuan, an increase of 5.92% compared to the end of the previous year [4]. Group 2: Support for the Real Economy - Bohai Bank has intensified its support for the real economy, focusing on optimizing its business structure and expanding its customer base [3]. - Key areas of loan growth included technology innovation (51.28%), manufacturing (12.36%), green development (15.02%), and agriculture (3.45%), all exceeding the growth rate of general loans [3]. - The bank's cost-to-income ratio improved to 32.17%, a decrease of 4.10 percentage points year-on-year, reflecting effective cost control [4]. Group 3: Risk Management - As of June, the non-performing loan ratio stood at 1.81%, indicating stable asset quality, with sufficient provisions for various types of impairments [4]. - Loan impairment provisions amounted to 27.579 billion yuan, an increase of 2.005 billion yuan from the end of the previous year, with a loan provision coverage ratio of 159.7% [4]. Group 4: Technological Financial Services - Bohai Bank has prioritized the development of a technology finance service system, responding to the central government's call to enhance financial services in this area [6][8]. - By the end of June, the balance of loans to technology enterprises reached 71.252 billion yuan, an increase of 24.153 billion yuan, or 51.28% year-on-year [8]. - The bank successfully issued 5 billion yuan in technology innovation bonds and has been active in underwriting, with a total of 31.47 billion yuan in technology innovation bonds underwritten [8]. Group 5: Regional Economic Development - Bohai Bank is committed to supporting regional economic development, particularly in the Beijing-Tianjin-Hebei area, and has integrated this focus into its strategic priorities for the second half of the year [10]. - The bank's transaction banking business generated over 750 million yuan in intermediary income, reflecting a year-on-year growth of 5.36% [10]. - The bank has launched various products to support the automotive supply chain, achieving over 19.7 billion yuan in financing for the automotive ecosystem [10][11].

据了解，以往平行进口车企业面临库存周期漫长、资金占用率高启的困境，而传统融资模式中，企业需 在采购环节一次性支付巨额资金，同时面对购汇、报关、仓储等多环节的线下对接难题。 渤海银行敏锐捕捉到这一行业痛点，推出的"车销易"产品围绕平行进口车行业未来货权质押与现货质押 的业务模式提供了具有针对性的融资方案——线上开证与进口押汇的组合方案显著提高融资效率和货物 周转时间，帮助企业加速库存流转；同时，依托该行"渤银全球速汇"实现了本外币收付的全程可视化管 理，企业资金流转状态清晰透明、到账迅速，极大地提升财务工作的效率和确定性。在平行进口车通关 场景上，企业可通过关税电子支付实现7×24小时线上缴税，操作便捷；关税保付保函实现"先放后税"， 一份保函覆盖全国关区，显著缩短了通关时效，优化了整体供应链效率。 数据显示，近年来，天津港平行进口车年进口量占全国超70%，稳居全国最大平行进口车枢纽地位。如 此庞大的产业规模背后，是数以千计链属企业对高效金融服务的迫切需求。 "车销易"是渤海银行供应链金融产品"渤银E链—易宝通"在车生态的灵活应用。"渤银E链—易宝 通"以"产业为魂、交易为体、客户为用"为核心理念，包含"融资易 ...