Steady Growth Amid Challenges
The bank achieved a net profit attributable to shareholders of RMB 1.39 billion, marking a year-on-year increase of 1.22%, despite a slight decline in net operating income.
Asset Scale Expansion
Total assets exceeded RMB 12 trillion, increasing by 10.19%. Total customer deposits surpassed RMB 9 trillion, up by 11.54%.
Strong Retail Finance Performance
Net operating income and profit before tax from retail finance accounted for 58.37% and 50.74%, respectively, with retail customer numbers exceeding 200 million, a 6.6% increase.
Tech Investment and AI Integration
The bank invested RMB 13.35 billion in technology, representing 4.38% of net operating income, and has over 120 AI application scenarios.
Sustainable Practices in Finance
Released the first climate change mitigation theme Green bond among Chinese banks, with MSCI ESG rating upgraded to AAA level.