ZRCBANK(SZ:002839)2025-08-29 09:14Group 1: Financial Performance - As of June 30, 2025, total assets reached CNY 223.785 billion, an increase of CNY 4.877 billion, or 2.23% from the beginning of the year [3] - Total deposits amounted to CNY 175.931 billion, up CNY 9.3 billion, or 5.58% year-to-date [3] - Total loan balance was CNY 146.122 billion, increasing by CNY 8.806 billion, or 6.41% since the start of the year [3] - Operating income for the first half of 2025 was CNY 2.605 billion, a year-on-year increase of 1.72% [3] - Net profit attributable to shareholders reached CNY 999.5 million, reflecting a growth of 5.11% compared to the same period last year [3] Group 2: Customer Base and Market Position - The bank had 147,238 credit customers by June 30, 2025, ranking third among 60 rural commercial banks in the province [3] - Individual credit customers numbered 139,615, accounting for 94.82% of the total [3] - Corporate credit customers increased by 12.83% year-to-date, indicating strong growth in this segment [3] Group 3: Risk Management - The non-performing loan ratio stood at 0.94%, unchanged from the beginning of the year, indicating stable asset quality [3] - The provision coverage ratio improved to 383.98%, up by 7.95 percentage points since the start of the year, positioning the bank favorably within the industry [3] - A comprehensive risk management framework was established, including a "1+1+3" risk control team structure and a "hundred-person risk control team" [3]