JRCB(SZ:002807)2025-08-26 09:26Group 1: Loan Quality and Risk Management - As of June 30, 2025, the bank's non-performing loan (NPL) ratio is 0.86%, maintaining stability since the beginning of the year [2] - The bank has not disclosed specific NPL rates for real estate loans, personal consumption loans, and personal business loans [2] - The bank focuses on credit quality control, optimizing credit structure, and enhancing post-loan management to mitigate risks [2] Group 2: Profitability and Provisioning - In the first half of 2025, the bank's net profit attributable to shareholders increased by 16.63% year-on-year [3] - The provision coverage ratio stands at 381.22%, an increase of 1 percentage point from the beginning of the year [3] - Future write-offs and provisions will be adjusted based on asset quality, credit scale, and macroeconomic conditions [3]