Business Performance Indicators

（Unit: RMB million)

2024.6.30

2023.6.30

Change Rate

Operating Income

7,198.7

6,655.0

8.17%

Of which: Net Interest Income

4,978.7

4,421.1

12.61%

Net Fee and Commission Income

207.6

356.3

-41.73%

Net Profit

845.9

700.4

20.77%

Net Profit Attributable to Shareholders of the Parent Company

763.1

588.7

29.62%

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

4.63

4.55

1.76%

Profitability Indicators(%)

2024.6.30

2023.6.30

Change in Percentage Points

Average Return on Total Assets

0.20

0.19

0.01

Average Return on Equity

1.50

0.82

0.68

Net Interest Spread

1.45

1.47

-0.02

Net Interest Margin

1.36

1.36

——

Net Fee and Commission Income as a Percentage of Operating Income

2.88

5.35

-2.47

Cost-to-Income Ratio

27.27

32.24

-4.97

Asset Size Indicators

（Unit: RMB million)

2024.6.30

2023.12.31

Change Rate

Total Assets

882,837.8

813,328.7

8.55%

Of which: Total Customer Loans and Advances

352,237.3

323,182.7

8.99%

Total Liabilities

817,875.5

749,440.5

9.13%

Of which: Total Customer Deposits

671,300.7

642,505.6

4.48%

Share Capital

10,995.6

10,995.6

——

Total Equity

64,962.3

63,888.2

1.68%

Asset Quality Indicators(%)

2024.6.30

2023.12.31

Change in Percentage Points

Non-Performing Loan Ratio

2.87

2.87

——

Loan Impairment Provision Ratio

5.71

5.66

0.05

Provision Coverage Ratio

198.62

197.38

1.24

Core Tier 1 Capital Adequacy Ratio

8.63

8.69

-0.06

Tier 1 Capital Adequacy Ratio

12.34

12.48

-0.14

Capital Adequacy Ratio

13.48

13.71

-0.23

Loan-to-Deposit Ratio

52.47

50.30

2.17