Investor Presentaiton
2019
2018
Growth (%)
中国民生银行
Appendix: Overview of key financial indicators STERE
Income statement highlights
(RMB million, except per share
data)
CHINA MINSHENG BANK
Balance sheet highlights
(RMB million)
31 Dec
2019
31 Dec 1
2018 I Growth (%)
Operating income
177,745 154,161
↑
15.30
Total assets
6,681,841
5,994,822
↑
11.46
Of which: Net interest income
97,943 76,680
↑
27.73
Of which: Total loans and
advances to customers
3,487,601
3,056,746
14.10
Net non-interest income
79,802 77,4811
3.001
Total liabilities
6,151,012
5,563,821 ↑ 10.55
Profit before income tax
64,738
58,785 ↑
10.13
Net profit attributable to equity
shareholders of the Company
Of which: Deposits from
customers
3,604,088
3,167,292
13.79
53,819
50,327 ↑
6.94
Basic earnings per share (RMB)
1.22
1.141 ↑
Total equity attributable to
equity shareholders of the
7.02 Company
518,845
420,074 ↑ 23.51
31 Dec
31 Dec
Key profitability indicators (%)
2019
2018 Change (ppt) |
Return on average assets
0.87
0.85
↑
0.021
Assets quality indicators (%)
NPL ratio
2019
2018 Change (ppt)
1.56
1.76
-0.20
Return on weighted average
Allowance to total loans
2.43
2.36
0.07
12.40
12.94
-0.54
equity
Capital adequacy ratio
indicators (%)²
Net interest margin (restated)
2.11
1.87
↑
0.24
Core tier-one capital
8.89
8.93
-0.04
adequacy ratio
Net fee and commission income
29.42
31.22
-1.80
to operating income ratio
Tier-one capital adequacy
ratio
10.28
9.16
↑
1.12
Cost-to-income ratio¹
27.14
30.58
-3.44
Capital adequacy ratio
13.17
11.75
↑
1.42
Source:
Company's Annual Report
Note:
1
2
Cost-to-income ratio = (operating and other operating expenses - tax and surcharges) / operating income
Calculated in accordance with the Capital Rules for Commercial Banks (Provisional) and other relevant regulatory provisions
d in accordance with the
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