--- title: "The first semi-annual report of A-share bank stocks is out, Changshu Bank experiences its first interim dividend" type: "News" locale: "en" url: "https://longbridge.com/en/news/252077271.md" description: "Changshu Bank released its 2025 semi-annual report on August 7, becoming the first bank in the A-share market to publish a semi-annual report. The report shows that the bank's operating income in the first half of the year increased by 10.10% year-on-year, and net profit increased by 13.51%. At the same time, Changshu Bank announced its first-ever interim dividend in history, distributing a cash dividend of 0.15 yuan per share, with a dividend yield close to 2%. As of the end of the reporting period, total assets reached 401.227 billion yuan, and the non-performing loan ratio was 0.76%" datetime: "2025-08-07T16:10:38.000Z" locales: - [zh-CN](https://longbridge.com/zh-CN/news/252077271.md) - [en](https://longbridge.com/en/news/252077271.md) - [zh-HK](https://longbridge.com/zh-HK/news/252077271.md) generator: "portal-rs" --- # The first semi-annual report of A-share bank stocks is out, Changshu Bank experiences its first interim dividend On the evening of August 7, Changshu Bank disclosed its 2025 semi-annual report, which is also the first bank semi-annual report in the A-share market this year. Banks that dare to "fire the opening shot" are all "confident." The semi-annual report shows that Changshu Bank's revenue and profit growth in the first half of the year both reached "double digits." Specifically, the bank achieved an operating income with a **year-on-year increase of 10.10%**, and a net profit attributable to shareholders of the listed company with a **year-on-year increase of 13.51%**, both ranking high in the industry. On the same day, Changshu Bank also announced its first-ever interim dividend arrangement in history. Based on the total share capital registered on the equity distribution registration date, a cash dividend of 0.15 yuan per share (tax included) will be distributed. Based on the closing price of 7.87 yuan on August 7, the **dividend yield for Changshu Bank's interim dividend reaches nearly 2%**. ## **Rapid Growth of Non-Interest Income** Specifically, in the semi-annual report, in the first half of 2025, Changshu Bank achieved an operating income of 6.062 billion yuan, with a year-on-year increase of 10.10%. However, the growth rate of non-interest income significantly outpaced that of interest income, indicating that the company has gained much from intermediary income and investment returns. Additionally, in the first half of the year, the credit impairment losses and other asset impairment losses of Changshu Bank were within a controllable range, contributing to profit growth. ## **Prominent Characteristics of Small and Scattered Operations** Furthermore, as of the end of the reporting period, Changshu Bank's total assets reached 401.227 billion yuan, an increase of 9.45% compared to the beginning of the year; total deposits were 310.777 billion yuan, an increase of 8.46% compared to the beginning of the year, and total loans were 251.471 billion yuan, an increase of 4.40% compared to the beginning of the year. Among them, personal loans accounted for 54.20% of total loans, and personal operating loans accounted for 37.56% of total loans. The balance of inclusive small and micro enterprise loans with a single credit of 10 million yuan and below was 104.345 billion yuan, with 213,300 loan accounts, highlighting the characteristics of inclusive small and micro enterprises. At the end of the reporting period, Changshu Bank had 570,500 loan accounts, of which 536,200 were loans below 1 million yuan, accounting for 93.99%; the number of personal operating loan accounts was 316,000, accounting for 55.40% of the total loan accounts. The average loan amount per group account was 440,800 yuan, **steadfastly focusing on small and scattered operations**. At the end of the reporting period, Changshu Bank's non-performing loan ratio was 0.76%, a decrease of 0.01 percentage points compared to the beginning of the year; the provision coverage ratio was 489.53%, a decrease of 10.98 percentage points compared to the beginning of the year. ## **First Interim Dividend** As of the end of June 2025, Changshu Bank's undistributed profits were 10.913 billion yuan. According to the board of directors' resolution, Changshu Bank's 2025 interim profit distribution plan is to distribute a cash dividend of 0.15 yuan per share (tax included) based on the total share capital registered on the equity distribution registration date Based on the total common stock capital of the bank as of June 30, 2025, a cash dividend of 497 million yuan will be distributed, accounting for 25.27% of the net profit attributable to the parent company's shareholders for the first half of 2025. From the date of the announcement until the implementation of the equity distribution registration date, if there are changes in the total share capital of the bank due to the conversion of convertible bonds, the distribution ratio per share will remain unchanged, and the total distribution amount will be adjusted accordingly. Risk Warning and Disclaimer The market has risks, and investment requires caution. This article does not constitute personal investment advice and does not take into account the specific investment goals, financial situation, or needs of individual users. Users should consider whether any opinions, views, or conclusions in this article are suitable for their specific circumstances. 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