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Operating results (in RMB millions) 2025H1 2024H1 Change rate
Net interest income 313,576 313,950 -0.1%
Net fee and commission income 67,020 67,405 -0.6%
Operating income 409,082 401,999 1.8%
Operating expenses 108,570 105,208 3.2%
Impairment losses (1) 104,529 102,069 2.4%
Operating profit 195,983 194,722 0.6%
Profit before taxation 199,008 197,184 0.9%
Net profit 168,803 171,296 -1.5%

Balance sheet items (in RMB millions) 2025H1 2024 Change rate
Total assets 52,317,931 48,821,746 7.2%
Total loans and advances to customers 30,185,659 28,372,229 6.4%
Investment 15,568,428 14,153,576 10.0%
Total liabilities 48,179,055 44,834,480 7.5%
Due to customers 36,904,556 34,836,973 5.9%
Due to banks and other financial institutions 5,170,135 4,590,965 12.6%
Equity attributable to equity holders of the parent company 4,114,692 3,969,841 3.6%

Per share data (in RMB yuan) 2025H1

2024/12/31
2024H1

 Change
Net asset value per share (2) 10.52 10.23 0.29
Basic earnings per share (3) 0.46 0.47 -0.01
Diluted earnings per share (3) 0.46 0.47 -0.01

Note:
(1) Calculated by adding credit impairment losses and impairment losses on other assets.
(2) Calculated by dividing equity attributable to equity holders of the parent company after deduction of other equity instruments at the end of the reporting period by the total number of ordinary shares at the end of the reporting period.
(3) Calculated in accordance with the Rules for the Compilation and Submission of Information Disclosure by Companies that Offer Securities to the Public No. 9 — Calculation and Disclosure of Return on Net Assets and Earnings per Share (Revision 2010) issued by the CSRC.