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Our Achievements

Operating results(in RMB millions) 2020 2019 Change rate
Net interest income(1) 646,765 632,217 2.3%
Net fee and commission income(1) 131,215 130,573 0.5%
Operating income 800,075 776,002 3.1%
Operating expenses 206,585 207,776 -0.6%
Impairment losses on assets 202,668 178,957 13.2%
Operating profit 390,822 389,269 0.4%
Profit before taxation 392,126 391,789 0.1%
Net profit 317,685 313,361 1.4%

Balance sheet items(in RMB millions) 2020.12.31 2019.12.31 Change rate
Total assets 33,345,058 30,109,436 10.7%
Total loans and advances 
to customers 
18,624,308 16,761,319 11.1%
Allowance for impairment losses 
on loans(2)
531,161 478,730 11.0%
Investment 8,591,139 7,647,117 12.3%
Total liabilities 30,435,543 27,417,433 11.0%
Due to customers 25,134,726 22,977,655 9.4%
Due to banks and other 
financial institutions
2,784,259 2,266,573 22.8%
Equity attributable to equity 
holders of the parent company
2,893,502 2,676,186 8.1%

Per share data(in RMB) 2020 2019 Change
Net asset value per share(3) 7.48 6.93 0.55
Basic earning per share 0.86 0.86 0
Diluted earnings per share 0.86 0.86 0

Note:(1) According to the Notice on Strictly Implementing the Accounting Standards for Business Enterprises and Effectively Strengthening the 2020 Annual Report of Enterprises promulgated by MOF, State-owned Assets Supervision and Administration Commission of the State Council, CBIRC and CSRC, credit card installment fee income and related expenses are reclassified from fee and commission income and expense to interest income and other net operating income. The data in the comparative periods of 2019 are adjusted accordingly, and relevant financial indicators are also restated accordingly.
(2)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.
(3)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.