Financial Performance - Total assets increased by 9.52% to RMB 444328 million[12] - Total liabilities increased by 9.73% to RMB 408480 million[12] - Operating income increased by 2.95% year-on-year to RMB 3859 million[12,18] - Net profit decreased by 1.45% to RMB 1626 million[12] - Net fee and commission income increased by 4.02% to RMB 652 million[12,25] Asset and Liability Structure - Gross loans to customers reached RMB 27.44 trillion[14] - Financial investments reached RMB 11.77 trillion[14] - Deposits from customers reached RMB 30.47 trillion, a 6.11% increase[16] - Net fee and commission income accounted for 16.90% of the income structure[25] Risk Management - Non-performing loan (NPL) ratio decreased by 0.01 percentage points to 1.33%[12,28,59] - Allowances to NPLs increased by 5.80 percentage points to 239.40%[12,28,59] - Cost-to-income ratio was 23.72%[12,28] Strategic Initiatives - Loans to technology-related industries grew by 16.81% to RMB 5.15 trillion[37] - Green loans grew by 14.88% to RMB 5.72 trillion[37] - Balance of inclusive loans for SMEs grew by 9.80% to RMB 3.74 trillion[37] - Cross-border RMB settlement volume increased by 23.21% year-on-year to RMB 3.14 trillion[44]
建设银行(00939) - 2025 Q2 - 电话会议演示