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report cards of 14 listed banks

in the first half of this year, 14 listed banks achieved a total operating income of approximately 926.484 billion yuan, of which 10 banks announced mid-term dividend plans, accounting for 70%. this marks the first time that the banking industry has tried the mid-term dividend model and has brought new investment opportunities to investors. however, the performance of the banks is not optimistic. the revenue and net profit of the six major state-owned banks have shown an overall downward trend. except for the agricultural bank of china, the other five banks have declined to varying degrees, with the industrial and commercial bank of china having the largest decline.

industry analysis: risk management and transformation and upgrading

industry experts pointed out that factors such as low interest rate spreads and adjustments to existing mortgage rates have affected banks' profitability. with weak market demand and supply squeezed, credit growth in all sectors has declined. therefore, banks need to actively explore new profit models, optimize and adjust their asset-liability structures, and appropriately abandon the pursuit of scale expansion in order to seek high-quality development.

interim dividends: new model helps investors

in recent years, as the market environment has changed, many banks have begun to try new profit models, such as mid-term dividend plans. this marks the banking industry's shift from a pure growth model to a sustainable development model. the mid-term dividend plans of 10 banks are expected to exceed 220 billion yuan, which brings new investment opportunities to investors.

conclusion: looking to the future

with the changes in market demand and policy adjustments, the banking industry will face new opportunities and challenges. we need to pay close attention to the development trends of the banking industry and actively explore new development models in order to succeed in future competition.