Bank of China released the results of the first three quarters, and its financial benefits remained stable. The Group's operating income increased by 7. 10% year-on-year. Among them, the net interest income and the net fee income kept growing. After-tax profit increased by 3.55% year on year.

The main indicators remained in a reasonable range, and the net interest margin was 1.64%, which was 1 1 basis point lower than the previous year. The average ROA was 0.82% and ROE was 10.37%. The cost-income ratio (regulated by China Mainland) was 26.98%, down 0.02 percentage points year-on-year.

Loans in key areas such as Beijing-Tianjin-Hebei, Yangtze River Delta and Guangdong-Hong Kong-Macao Greater Bay Area increased substantially. Adhere to the "two unwavering". Private enterprise loans increased by 23.48% compared with the beginning of the year, and the balance accounted for 32.90% of enterprise loans. Help the development of national key scientific and technological innovation fields. Loans for strategic emerging industries increased by 60.4% compared with the beginning of the year.

The national "little giant" and provincial "specialized and innovative" enterprises have granted more than 654.38+500,000 credit, with a credit coverage rate of 2 1.54%, up nearly 2 percentage points from the beginning of the year.

The development orientation of China Bank;

According to the comparative advantages, the development of China Bank rationally allocates resources and constantly introduces differentiated products and services. Adjust and improve the internal operation mechanism, further improve the risk management system, and improve the scientific and transparent credit decision.

Handle business according to prudent accounting principles and increase transparency; Establish a strict target responsibility system and an incentive and restraint mechanism serving this system; Strengthen education and training to cultivate BOC culture.

We will build China Bank into the best bank with lofty values, a bank that plays an important role in national rejuvenation, a bank that has a leading edge in the process of globalization, a bank that leads the way of life in scientific and technological changes, a bank that wins customers' follow-up in market competition, and a bank that satisfies shareholders, employees and society in sustainable development.

Reference: Bank of China.