YIBIN BANK (02596) announced its interim results for the six months ended June 30, 2025. The group achieved net interest income of RMB 935 million (same currency unit applies throughout), representing a year-on-year increase of 12.94%. Operating revenue reached RMB 1.168 billion, up 8.35% year-on-year. Net profit totaled RMB 291 million, marking an 11.08% year-on-year increase. Net profit attributable to the bank's shareholders was RMB 285 million, remaining flat compared to the previous year. Basic earnings per share stood at RMB 0.07.

The group's interest income rose 6.9% from RMB 1.859 billion in the first half of 2024 to RMB 1.987 billion in the first half of 2025. This increase was primarily driven by the growth in average balance of interest-bearing assets from RMB 89.024 billion in the first half of 2024 to RMB 103.849 billion in the first half of 2025, though this was partially offset by a decline in the average yield on interest-bearing assets from 4.18% in the first half of 2024 to 3.83% in the first half of 2025.

The increase in average balance of interest-bearing assets was mainly attributed to higher average balances in loans and advances, and financial investments, though this was partially offset by decreases in the average balances of securities purchased under resale agreements, and placements with and loans to banks and other financial institutions. The decline in average yield on interest-bearing assets was primarily due to the group's intensified marketing efforts targeting high-quality customer segments, which resulted in lower average yields on loans and advances and financial investments.