Financial Performance - PPOP reached RMB 329418 million, operating income was RMB 317929 million, and net interest income amounted to RMB 209922 million[9] - Non-interest income increased by 25.70% year-on-year to RMB 114602 million[9] - Net fee & commission income increased by 9.17% year-on-year to RMB 46791 million[9] - Profit attributable to shareholders of the Bank was RMB 126536 million, and profit after tax was RMB 118601 million[9] - NIM was 1.26%, ROE was 9.11%, and ROA was 0.70%[9] Assets and Liabilities - Assets grew by 4.93% to RMB 36791 billion, and loans increased by 6.74% to RMB 23050 billion[11] - Liabilities grew by 5.93% to RMB 33665 billion, and deposits increased by 4.85% to RMB 25638 billion[11] - RMB loans in the Chinese mainland increased by RMB 1.41 trillion, up 7.72%[12, 21] - Financial investments increased by RMB 865.523 billion, up 10.35%[12] Customer Base - Number of medium-sized enterprise loan customers increased by 13.48%[14] - AUM of the Group's personal customers reached RMB 16.83 trillion[14] - Number of active retail customers reached 395 million, up 1.57%[14] - Group's private banking customers reached 216.9 thousand, with RMB 3.40 trillion of AUM[14] Risk Management - Core tier 1 CAR was 12.57%, Tier 1 CAR was 14.32%, and CAR was 18.67%[16] - NPL ratio was 1.24%, and SML ratio was 1.44%[16] - Allowance for loan impairment losses to NPLs was 197.39%[16] Green Finance - Green loan balance reached RMB 4.54 trillion, up 16.95%[25] Digital Transformation - Monthly active personal mobile banking customers totaled 97.59 million, up 8.59% year-on-year, with transactions amounting to RMB 26.12 trillion[43] - Cross-border e-commerce transaction volume reached RMB 536.408 billion, up 42.10% year-on-year[44]
中国银行(03988) - 2025 H1 - 电话会议演示