Business Performance Indicators

（Unit: RMB million)

2024.12.31

2023.12.31

Change Rate

Operating Income

14,243.2

13,241.7

7.56%

Of which: Net Interest Income

9,836.9

9,549.0

3.01%

Net Fee and Commission Income

367.5

645.3

-43.05%

Net Profit

1,082.4

888.1

21.88%

Net Profit Attributable to Shareholders of the Parent Company

919.7

740.0

24.28%

Net Assets per Share Attributable to Shareholders of the Parent Company (RMB)

4.68

4.54

3.08%

Profitability Indicators(%)

2024.12.31

2023.12.31

Change in Percentage Points

Average Return on Total Assets

0.13

0.12

0.01

Average Return on Equity

0.69

0.35

0.34

Net Interest Spread

1.38

1.56

-0.18

Net Interest Margin

1.31

1.43

-0.12

Net Fee and Commission Income as a Percentage of Operating Income

2.58

4.87

-2.29

Cost-to-Income Ratio

36.10

42.01

-5.91

Asset Size Indicators

（Unit: RMB million)

2024.12.31

2023.12.31

Change Rate

Total Assets

916,231.9

813,328.7

12.65%

Of which: Total Customer Loans and Advances

379,093.9

323,182.7

17.30%

Total Liabilities

850,635.6

749,440.5

13.50%

Of which: Total Customer Deposits

693,679.4

642,505.6

7.96%

Share Capital

10,995.6

10,995.6

——

Total Equity

65,596.3

63,888.2

2.67%

Asset Quality Indicators(%)

2024.12.31

2023.12.31

Change in Percentage Points

Non-Performing Loan Ratio

2.84

2.87

-0.03

Loan Impairment Provision Ratio

5.75

5.66

0.09

Provision Coverage Ratio

202.59

197.38

5.21

Core Tier 1 Capital Adequacy Ratio

8.68

8.69

-0.01

Tier 1 Capital Adequacy Ratio

12.37

12.48

-0.11

Capital Adequacy Ratio

13.61

13.71

-0.10

Loan-to-Deposit Ratio

54.65

50.30

4.35