该行坚持高质量发展，贯彻落实新发展理念，动态调整业务策略，持续优化业务结构，资产负债保持平稳增长。6月末，集团资产总计339072.67亿元，比上年末增加14751.01亿元，增长4.55%。集团负债合计311282.91亿元，比上年末增加14529.40亿元，增长4.90%。Bank of China (03988) released its mid-year performance in 2024, with the group achieving a net interest income of 226.76 billion yuan...
According to the Zhitong Finance APP, Bank of China (03988) released its mid-year performance in 2024, with the group achieving a net interest income of 226.76 billion yuan (RMB, same below), a decrease of 7.232 billion yuan year-on-year, a decrease of 3.09%. Among them, interest income was 542.994 billion yuan, an increase of 35.993 billion yuan year-on-year, a growth of 7.10%; interest expenses were 316.234 billion yuan, an increase of 43.225 billion yuan year-on-year, a growth of 15.83%.
The bank adheres to the general principle of seeking progress while maintaining stability, and the business performance remains steady. In the first half of the year, the group achieved a post-tax profit of 126.536 billion yuan, a year-on-year decrease of 0.90%; the bank's shareholders enjoyed a post-tax profit of 118.601 billion yuan, a year-on-year decrease of 1.24%. The average return on total assets (ROA) was 0.76%, and the return on equity (ROE) was 9.58%.
The bank adheres to high-quality development, implements the new development philosophy, dynamically adjusts business strategies, continuously optimizes business structure, and maintains stable growth of assets and liabilities. At the end of June, the total assets of the group amounted to 33,907.267 billion yuan, an increase of 1,475.101 billion yuan compared to the end of the previous year, a growth of 4.55%. The total liabilities of the group amounted to 31,128.291 billion yuan, an increase of 1,452.94 billion yuan compared to the end of the previous year, a growth of 4.90%.
Continuously deepening the comprehensive risk management system, comprehensively enhancing overseas risk management capabilities, and implementing differentiated risk strategies. Effectively coping with financial market fluctuations, actively carrying out special stress tests in key areas, and overall control of liquidity and market risks. Comprehensively strengthening credit risk management, steadily advancing risk resolution, enhancing risk coverage capacity, and the group's non-performing loan provision coverage ratio was 201.69% at the end of June. Continuously optimizing capital management, with a capital adequacy ratio of 18.91%. Continuously strengthening internal control and anti-money laundering compliance management, and continuously improving the long-term overseas compliance management mechanism.
In addition, the board of directors of the bank has recommended a distribution of a mid-year ordinary dividend of 1.208 yuan per 10 shares for the year 2024 (pre-tax), which will take effect after approval by the bank's shareholders' meeting.
