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Our Achievements

Operating results(in RMB millions) 2021 2020 Change rate
Net interest income 690,680 646,765 6.8%
Net fee and commission income 133,024 131,215 1.4%
Operating income 860,880 800,075 7.6%
Operating expenses 236,227 206,585 14.3%
Impairment losses on assets 202,623 202,668 -0.02%
Operating profit 422,030 390,822 8.0%
Profit before taxation 424,899 392,126 8.4%
Net profit 350,216 317,685 10.2%

Balance sheet items
(in RMB millions)
2021.12.31 2020.12.31 Change rate
Total assets 35,171,383 33,345,058 5.5%
Total loans and advances 
to customers 
20,667,245 18,624,308 11.0%
Allowance for impairment 
losses on loans(1)
603,983 531,161 13.7%
Investment 9,257,760 8,591,139 7.8%
Total liabilities 31,896,125 30,435,543 4.8%
Due to customers 26,441,774 25,134,726 5.2%
Due to banks and other 
financial institutions
2,921,029 2,784,259 4.9%
Equity attributable 
to equity holders of 
the parent company
3,257,755 2,893,502 12.6%

Per share data(in RMB) 2021 2020 Change
Net asset value per share(2) 8.15 7.48 0.67
Basic earning per share 0.95 0.86 0.09
Diluted earnings per share 0.95 0.86 0.09

Note: (1)Calculated by adding allowance for impairment losses on loans and advances to customers measured at amortised cost with allowance for impairment losses on loans and advances to customers measured at fair value through other comprehensive income.
(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.