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Our Achievements

Operating results(in RMB millions) Nine months 
ended 30 
September 2021
Nine months 
ended 30 
September 2020
Change rate
Net interest income(1)  511,148   482,791  5.87%
Net fee and commission 
income(1)
 105,287   104,997  0.28%
Operating income  643,895   600,247  7.27%
Operating expenses  149,893   137,155  9.29%
Impairment losses on assets  179,318   179,730  -0.23%
Operating profit  314,684   283,362  11.05%
Profit before taxation  316,517   284,126  11.40%
Net profit  253,330   230,173  10.06%

Balance sheet items(in RMB millions) 30 September 2021 30 September 2020 Change rate
Total assets  35,398,066   33,345,058  6.16%
Total loans and advances 
to customers 
 20,425,479   18,624,308  9.67%
Allowance for impairment 
losses on loans(2)
 612,656   531,161  15.34%
Investment  9,010,416   8,591,139  4.88%
Total liabilities  32,234,781   30,435,543  5.91%
Due to customers  26,841,575   25,134,726  6.79%
Due to banks and other 
financial institutions
 2,988,517   2,784,259  7.34%
Equity attributable 
to equity holders of 
the parent company
 3,146,096   2,893,502  8.73%

Per share data(in RMB) 30 September 2021 30 September 2020 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.