2021-08-27 16:00Client Base and Market Position - The total number of corporate clients served by the bank exceeds 9.2 million, while individual clients reach 690 million[2]. - The bank has maintained its position as the top global bank in the Banker’s Top 1000 World Banks and Forbes Global 2000 rankings for nine consecutive years[2]. - The total number of personal customers reached 690 million, with over 9.2 million corporate customers[24]. - The bank's total customer base increased to 9.245 million corporate clients, up by 602,000 from the end of the previous year[79]. Financial Performance - Net interest income for the first half of 2021 was RMB 336,293 million, an increase of 5.4% compared to RMB 319,891 million in the same period of 2020[18]. - Total operating income reached RMB 467,793 million, up 4.9% from RMB 448,456 million in the first half of 2020[18]. - Net profit attributable to shareholders of the parent company was RMB 163,473 million, representing a year-on-year increase of 9.8% from RMB 148,790 million in the first half of 2020[18]. - Basic earnings per share for the first half of 2021 was RMB 0.46, compared to RMB 0.42 in the same period of 2020[18]. - The company achieved operating revenue of 467.8 billion yuan in the first half of 2021, a year-on-year increase of 4.3%[22]. - Net profit reached 164.5 billion yuan, reflecting a year-on-year growth of 9.8%[28]. Risk Management - The bank's financial report indicates a focus on comprehensive risk management across various risk categories[6]. - The bank's major risks include credit risk, market risk, interest rate risk, liquidity risk, operational risk, reputational risk, and country risk[11]. - The provision coverage ratio increased to 191.97% as of June 30, 2021, compared to 180.68% at the end of 2020[21]. - The non-performing loan ratio improved to 1.54% as of June 30, 2021, down from 1.58% at the end of 2020[21]. - The bank continues to enhance its market risk management framework, focusing on innovative financial market product risk management[163]. Digital Transformation and Innovation - The bank is committed to digital transformation and financial technology innovation to create value for stakeholders[4]. - The company has built a big data platform with a total capacity exceeding 100PB, covering 4.9 billion entities and 20 billion relationships, significantly improving data service efficiency[106]. - The bank's digital inclusive financial services have expanded significantly, with the "Global Matching Hub" platform supporting SMEs 24/7 access to global supply chains[81]. - The bank launched the "Cloud ICBC" non-contact service brand, integrating mobile banking, physical outlets, and remote customer service, enhancing service collaboration[109]. - The company has initiated a talent recruitment program to attract high-end technology professionals, enhancing its financial technology capabilities[105]. Capital and Funding - The bank's total equity reached RMB 30,468.07 billion, reflecting an increase of RMB 1,372.92 billion or 4.7% from the end of the previous year[73]. - The bank issued RMB 70 billion of perpetual bonds in June 2021 to supplement its other Tier 1 capital[193]. - The bank's total capital net amount reached RMB 3,584,153 million, an increase from RMB 3,396,186 million at the end of 2020[188]. - The bank is focused on expanding its external capital sources and optimizing its capital structure to enhance capital strength[192]. Customer Services and Support - The bank continues to support key sectors such as manufacturing and green finance, with a focus on increasing credit allocation to strategic emerging industries[56]. - The bank's focus on elderly customer services included hardware upgrades and dedicated service hotlines, improving accessibility[120]. - The bank's marketing activities reached 2.55 million participants, enhancing brand influence and service capabilities in the private banking sector[91]. - The bank's public settlement business volume reached CNY 127.544 trillion, a year-on-year increase of 7.4%[84]. International Expansion - The bank is actively pursuing international expansion and enhancing its global operational layout[4]. - The bank's overseas network expanded to 426 institutions in 49 countries and regions, enhancing its global service capabilities[127]. - International trade financing issued in the first half of the year totaled USD 30.67 billion, with international settlement volume reaching USD 2.19 trillion[126]. Sustainable Development - The bank aims to support green and low-carbon sustainable development through a comprehensive green finance system[195]. - The balance of green loans exceeded 2 trillion yuan, demonstrating commitment to sustainable financing[22]. - The bank's corporate loans in the manufacturing sector reached RMB 1.83 trillion, an increase of RMB 1,836 billion from the end of the previous year, maintaining the leading position in the industry[78]. Audit and Compliance - The bank's financial report has been reviewed by Deloitte Touche Tohmatsu Certified Public Accountants and Deloitte & Touche[10]. - The bank has implemented a comprehensive anti-money laundering system, enhancing its governance capabilities in this area[181]. - The bank continues to enhance its internal control mechanisms and compliance management systems to improve operational risk management[177].