Investor Presentaiton
Risk resistance capacity enhanced
Major risk indicators
NPL ratio
1.32%
Overdue loan ratio
1.10%
Special-mention loan ratio
1.35%
Ratio of allowance for loan
impairment losses to NPLs
188.73%
⑥ Asset quality in key sectors remained healthy and stable
Loan balance
NPL ratio
(Unit: RMB million) at the end of 2022
Change compared
with the end of
2021(ppt)
Domestic corporate loans
Including:
8,818,584
1.84%
-0.36
Commerce & services
1,974,498
1.70%
-0.19
Manufacturing
1,808,808
1.89%
-1.68
Transportation,
warehousing and postal
services
1,744,422
0.63%
-0.51
Made solid progress in risk resolution
Domestic and overseas institutions resolved a total of RMB132.4
billion NPAs on/off B/S
Expanded disposal channels, making steady progress in pilot
programs for single corporate NPA transfers and batch individual
NPA transfers
Launched three batches of non-performing bank card assets-
backed securities
Capital adequacy ratio reached a record high
CAR
17.52% +99bps
Tier 1 CAR
14.11% +79bps
Core Tier 1 CAR
11.84%
+54bps
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