Stable Financial Performance
Net profit attributable to shareholders increased by 1.22% to RMB 1.39 billion, with a cost-to-income ratio decrease of 1.05 percentage points to 31.92%, demonstrating effective cost management.
Asset Growth
Total assets exceeded RMB 12 trillion, an increase of 10.19%, while total customer deposits surpassed RMB 9 trillion, up by 11.54%.
Strong Retail Finance Contribution
Retail finance accounted for 58.37% of net operating income, and retail loans grew by 6%, with retail customer AUM approaching RMB 15 trillion.
Technological Advancements
Investment in technology amounted to RMB 13.35 billion, with significant advancements in AI applications across 120 scenarios.
ESG Improvements
CMB's MSCI ESG rating was upgraded to AAA, with significant increases in green loan and green leasing balances by 9% and 19% respectively.