2025年7月起，中国六大国有商业银行——工商银行、农业银行、中国银行、建设银行、交通银行和邮储银行——正式启动2025年中期分红派发工作。这是继2023年监管部门鼓励大型银行实施中期分红政策以来，连续第三年开展年中利润分配，标志着我国银行业分红机制日趋成熟与常态化。根据各银行公告，本次中期分红总额合计超过2,200亿元人民币，分红比例普遍维持在30%左右，部分银行甚至略有提升，体现出其稳健的盈利能力和对股东回报的重视。以工商银行为例，每股派发现金红利0.193元（含税），股权登记日为7月15日，现金红利将于7月17日到账。中期分红不仅有助于提升投资者信心，增强资本市场活力，也反映出六大行在保持资本充足率和风险抵御能力的同时，积极履行对股东的责任。分析人士指出，此举有利于引导市场形成长期投资理念，并推动A股分红文化的进一步完善。值得注意的是，六大行作为金融体系的“压舱石”，其分红节奏和力度对整个银行业乃至资本市场具有风向标意义。随着2025年中期分红工作的有序推进，预计将带动更多上市公司加入中期分红行列，促进资本市场高质量发展。
Starting in July 2025, China’s six major state-owned commercial banks—the Industrial and Commercial Bank of China (ICBC), Agricultural Bank of China (ABC), Bank of China (BOC), China Construction Bank (CCB), Bank of Communications (BoCom), and Postal Savings Bank of China (PSBC)—have officially launched their interim dividend distributions for the first half of 2025. This marks the third consecutive year of mid-year profit payouts since Chinese regulators encouraged large banks to adopt interim dividend policies in 2023, signaling a maturing and institutionalized dividend practice in the country’s banking sector.According to official announcements, the total interim dividends from the six banks exceed RMB 220 billion, with payout ratios generally around 30%, and some banks even slightly increasing their ratios—demonstrating strong profitability and commitment to shareholder returns. For instance, ICBC is distributing a cash dividend of RMB 0.193 per share (pre-tax), with the record date set for July 15 and payments scheduled for July 17.Interim dividends not only bolster investor confidence and enhance market vitality but also reflect the banks’ ability to maintain adequate capital buffers and risk resilience while fulfilling shareholder obligations. Analysts note that this practice encourages long-term investment mindsets and helps foster a more robust dividend culture in China’s A-share market.As financial system “stabilizers,” the dividend timing and scale of these six banks serve as a benchmark for the broader banking industry and capital markets. Their ongoing 2025 interim dividend process is expected to inspire more listed companies to adopt similar mid-year payouts, contributing to the high-quality development of China’s capital markets.
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