2016-08-01 16:00Financial Performance - Total operating income for the first half of 2016 was RMB 112,763 million, an increase of 8.29% compared to RMB 104,135 million in the same period of 2015[3] - Non-interest net income reached RMB 45,286 million, reflecting a significant growth of 20.49% from RMB 37,585 million year-on-year[3] - Net profit attributable to shareholders was RMB 35,231 million, up 6.84% from RMB 32,976 million in the first half of 2015[3] Asset and Liability Management - Total assets as of June 30, 2016, amounted to RMB 5,537,298 million, representing a 1.14% increase from RMB 5,474,978 million at the end of 2015[3] - Total liabilities were RMB 5,158,110 million, a slight increase of 0.88% from RMB 5,113,220 million at the end of 2015[3] - Customer deposits totaled RMB 3,692,648 million, up 3.39% from RMB 3,571,698 million in the previous year[3] - Shareholder equity increased to RMB 379,188 million, reflecting a growth of 4.82% from RMB 361,758 million at the end of 2015[3] Loan and Credit Quality - Total loans and advances increased by 7.16% to RMB 3,026,532 million from RMB 2,824,286 million in the previous year[3] - The non-performing loan ratio rose to 1.83%, an increase of 0.15 percentage points from 1.68% in 2015[3] Return on Equity - The annualized return on average equity decreased to 19.07%, down by 1.33 percentage points from 20.40% in 2015[3]