The report shows that the asset size has grown steadily. As of June 30, Bohai Bank's total assets reached 1,662.017 billion yuan, an increase of 79.309 billion yuan or 5.01% from the end of last year.

At the same time, the scale of good deposits and loans continues to grow rapidly. As of the end of the reporting period, Bohai Bank's net loans and advances were 972.262 billion yuan, an increase of 34.355 billion yuan from the end of last year, with a growth rate of 3.66%. Total liabilities were 1,552.594 billion yuan, an increase of 76.45 billion yuan or 5.18% over the end of the previous year; of which, deposits from customers were 875.291 billion yuan, an increase of 39.37 billion yuan from the end of the previous year, a growth rate of 4.71%.

In terms of asset quality, as of the end of the reporting period, the bank’s non-performing loan rate was 1.76%, which was the same as the end of last year. Loan loss provisions are adequate. The bank's loan impairment provisions were 23.639 billion yuan, an increase of 807 million yuan from the end of the previous year; non-bond investment impairment provisions were 10.857 billion yuan; the loan provision rate was 2.39%, and the provision coverage rate was 136.30%; asset quality remained Stable, provision indicators meet regulatory requirements.

At the same time, capital adequacy ratios at all levels meet regulatory requirements. As of the end of the reporting period, Bohai Bank's capital adequacy ratio was 11.52%, its core tier one capital adequacy ratio was 8.26%, and its tier one capital adequacy ratio was 10.17%.

In terms of helping the real economy improve quality and efficiency, the performance report shows that the balance of inclusive small loans and manufacturing loans of Bohai Bank has increased significantly: as of the end of the reporting period, the balance of inclusive small loans was 67.253 billion Yuan, an increase of 7.771 billion Yuan from the end of last year, a growth rate of 13%, 9.7 percentage points higher than that of general loans. The balance of manufacturing loans was 106.462 billion yuan, an increase of 5.9% from the end of last year, effectively meeting the financing needs of the real economy.

Bohai Bank further strengthens inclusive financial services for enterprises, actively provides penalty-free interest services and credit guarantee services to qualified customers, and provides services to key areas such as Northeast China, the Midwest, Tianjin, and Shanghai, as well as freight logistics, Key industries such as manufacturing will be given differentiated pricing preferences.

In terms of promoting digital transformation, the performance report shows that the bank continues to increase investment in technology. As of the end of June, the investment in science and technology reached 505 million yuan; the introduction of financial technology talents was steadily promoted, and the proportion of scientific and technological personnel in the bank reached 7.48% at the end of the reporting period.

Relying on digital transformation, Bohai Bank's retail business and financial management business are moving towards a stage of high-quality development: as of the end of the reporting period, the bank's total retail deposits were 144.228 billion yuan, an increase of 6.89% from the end of last year, and the proportion of retail deposits Reaching 16.78%; total retail loans were 339.717 billion yuan, accounting for 34.41%.

During the reporting period, the Bank’s wealth asset balance was 345.3 billion yuan, an increase of 3.1% from the end of the previous year; there were 473,800 mid-to-high-end customers, an increase of 20,000 from the end of last year; the bank’s wealth management business broke the ice, and funds, Insurance agent intermediary business income was 35.9226 million yuan, a year-on-year increase of 42.44%. It is worth noting that during the reporting period, the Bank’s comprehensive ability to serve private banking customers was effectively improved. The performance report shows that the average wealth assets of private banking clients increased by 6.3%. Related Q&A: Is Bohai Bank a state-owned enterprise or a private enterprise? Bohai Bank is a state-owned enterprise. Bohai Bank is a national joint-stock commercial bank in the People's Republic of China. It is the first commercial bank headquartered in Tianjin since the founding of the People's Republic of China. It is also the first commercial bank in China to introduce banking services during the initial establishment stage. A Chinese-funded commercial bank with overseas strategic investors. The business scope of Bohai Bank was approved by the China Banking Regulatory Commission with Yinjianfu [2005] No. 337 in December 2005. The business scope of Bohai Bank includes: (1) absorbing deposits from the public; (2) issuing short-term, medium-term and long-term loans; (3) ) Handling domestic and foreign settlements; (4) Handling bill acceptance and discounting; (5) Issuing financial bonds; (6) Agency issuance, redemption, and underwriting of government bonds; (7) Buying and selling government bonds and financial bonds; (8) Engaging in the same industry Lending; (9) Buying and selling, and acting as an agent for buying and selling foreign exchange; (10) Engaging in bank card business; (11) Providing letter of credit services and guarantees; (12) Acting for collection and payment and insurance agency business; (13) Providing safe deposit boxes Services; (14) Other businesses approved by the banking regulatory authority of the State Council. Business Introduction Bohai Bank has many differentiating elements since its establishment. It is the first national joint-stock commercial bank in China to introduce overseas strategic investors during the establishment stage, and has established a matrix management organizational structure and a comprehensive vertical risk management system. and a centralized backend operation and management model, etc. After more than four years of unremitting exploration and arduous development, Bohai Bank has begun to take shape and have market influence. 2010 is the "Year of Transformation" for Bohai Bank, and it has clearly put forward the operation and management strategy of intensive operation, professional management, and integrated development. The purpose is to actively promote the "four transformations" of operation management and the "four transformations" of business development. "Three Transformations", further improve the head office's ability to coordinate and allocate various resources, improve the strategic orientation of the incentive and restraint mechanism, strengthen the professional level of line management, adhere to a comprehensive vertical risk management system and a centralized back-office business operation model, and manage Following the coordination mechanism for the integrated development of the head office and branches, we vigorously adjust the customer structure, product structure, business structure and income structure, strive to reduce the cost-to-income ratio, and achieve rapid growth in financial returns.

The overall operation of the bank maintains a good momentum of healthy and rapid development.