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Shanghai Rural Commercial Bank (601825) investor relations material
Shanghai Rural Commercial Bank Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary30 Aug, 2025
Executive summary
Achieved net profit of RMB 7.17 billion for H1 2025, up 0.41% year-over-year; revenue was RMB 13.44 billion, down 3.40% year-over-year.
Total assets reached RMB 1.55 trillion, up 4.14% from year-end 2024; loans and advances grew 2.51% to RMB 774.16 billion.
Asset quality remained stable with NPL ratio at 0.97%; provision coverage at 336.55%.
Capital adequacy ratio at 16.90%, well above regulatory minimums.
Board approved interim cash dividend of RMB 2.41 per 10 shares, payout ratio 33.14%.
Financial highlights
Net profit attributable to shareholders: RMB 7.01 billion, up 0.60% year-over-year.
Operating income: RMB 13.44 billion, down 3.40% year-over-year.
Net interest margin: 1.39%, down 17bps year-over-year.
Non-interest income ratio: 28.41%, up 1.56 percentage points year-over-year.
Cost-to-income ratio: 27.87%, improved by 1.24 percentage points year-over-year.
Outlook and guidance
Management expects net interest margin to stabilize in H2 2025 as policy support and credit demand recover.
Plans to increase lending, optimize asset structure, and further reduce funding costs.
Focus on retail, technology, green, and inclusive finance for growth.
NIM stabilization strategy for H2 2025?
Address rising watchlist and restructured loans.
Rationale for Supervisory Board abolition?
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Next Shanghai Rural Commercial Bank earnings date
Q3 202525 Oct, 2025
Next Shanghai Rural Commercial Bank earnings date
Q3 202525 Oct, 2025
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Frequently asked questions
Shanghai Rural Commercial Bank Co., Ltd. is a financial institution providing a broad range of banking services. Its offerings include corporate and personal banking products such as deposits, loans, and payment solutions. The bank also provides wealth management, trade finance, and treasury services. The company is headquartered in Shanghai, China, and its shares are listed on the SSE.
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