Core Points - The report is prepared in accordance with the Capital Management Measures for Commercial Banks and includes disclosures on risk management, key prudential regulatory indicators, and risk-weighted asset overview [1][2] - The bank has established a comprehensive governance structure for information disclosure, ensuring that the disclosed information is true and reliable [1] Capital Adequacy - As of June 30, 2025, the bank's core Tier 1 capital adequacy ratio is reported at 8% [1] - The minimum capital requirement is calculated as 8% of risk-weighted assets, with the bank meeting this requirement [2] Risk Management - The report details various risks including credit risk, market risk, and liquidity risk, with specific metrics provided for each category [1][2] - The liquidity coverage ratio is reported at an average of 133.92% for the second quarter of 2025, indicating strong liquidity management [6][7] Risk-Weighted Assets - The report outlines the risk-weighted assets and their corresponding capital requirements, with a focus on credit risk and operational risk [1][2] - The bank employs advanced internal rating methods to measure credit risk-weighted assets [1] TLAC Requirements - The bank is classified as a global systemically important bank and is required to meet total loss-absorbing capacity (TLAC) requirements starting January 1, 2025 [1][2] Financial Performance - The report includes a detailed breakdown of financial performance metrics, including the leverage ratio and net stable funding ratio [5][6] - The bank's financial statements reflect a robust capital structure, with significant core capital available after meeting minimum requirements [2][5]

Core Viewpoint - The company has approved its 2025 semi-annual report and profit distribution plan, highlighting its financial performance and commitment to shareholder returns [17][20][36]. Financial Performance - The company reported an unaudited net profit of RMB 241.70 billion for the first half of 2025, with a distributable profit of RMB 2,541.05 billion [36]. - The net profit attributable to ordinary shareholders after deducting preferred stock dividends and perpetual bond interest was RMB 228.41 billion [36]. Profit Distribution Plan - The board approved a cash dividend of RMB 2.36 per 10 shares, totaling RMB 45.80 billion, which represents 20.05% of the net profit attributable to ordinary shareholders [21][36]. - The distribution plan considers shareholder returns, regulatory capital requirements, and sustainable business development [37]. Corporate Governance - The board and supervisory committee confirmed the accuracy and completeness of the semi-annual report, ensuring compliance with legal and regulatory standards [30][32]. - The board meeting held on August 22, 2025, had full attendance, with all resolutions passed unanimously [19][22].