Results of operations Indicators

（RMB million)

2025.6.30

2024.6.30

Change Rate

Operating income

7,385.5

7,198.7

2.59%

Of which: Net interest income

4,412.6

4,978.7

-11.37%

Net fee and commission income

269.3

207.6

29.72%

Net profit

992.1

845.9

17.28%

Net profit attributable to shareholders of the Company

915.4

763.1

19.96%

Net assets per share attributable to     shareholders of the Company(RMB)

4.67

4.63

0.86%

Profitability Indicators(%)

2025.6.30

2024.6.30

Change in Percentage Points

Return on average total assets

0.22

0.20

0.02

Return on average equity

2.07

1.50

0.57

Net interest spread

1.11

1.45

-0.34

Net interest margin

1.10

1.36

-0.26

Net fee and commission income

to operating income ratio

3.65

2.88

0.77

Cost-to-income ratio

28.68

27.27

1.41

Scale Indicators（RMB million)

2025.6.30

2024.12.31

Change Rate

Total assets

927,527.5

916,231.9

1.23%

Of which: total loans and advances to customers

397,566.3

379,093.9

4.87%

Total liabilitie

861,921.8

850,635.6

1.33%

Of which: total due to customers

695,055.9

693,679.4

0.20%

Share capita

10,995.6

10,995.6

——

Total equity

65,605.7

65,596.3

0.01%

Assets quality Indicators(%)

2025.6.30

2024.12.31

Change in Percentage Points

NPL ratio

2.83

2.84

-0.01

Impairment losses on loans

5.95

5.75

0.20

Impairment coverage ratio

209.95

202.59

7.36

Capital adequacy Indicators(%)

2025.6.30

2024.12.31

Change in Percentage Points

Core tier 1 capital adequacy ratio

8.52

8.68

-0.16

Tier 1 capital adequacy ratio

12.23

12.37

-0.14

Capital adequacy ratio

13.47

13.61

-0.14

Other Indicators(%)

2025.6.30

2024.12.31

Change in Percentage Points

Loan-deposit ratio

57.20

54.65

2.55