Investor Presentaiton
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Financial leasing: Rate of return maintained at a high level
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The Company continues to optimize the structure of interest-earning assets to maintain higher net interest spread and
net interest margin
With extensive experiences and knowledge in industry, the Company continuously improves customer service
capabilities and enriches service methods to achieve better asset structure and realize higher profit
Net interest spread (NIS)
Net interest margin (NIM)
2.9% 3.0% 2.8%
2.0%
IIII
1.2%
2011
2012
2013
2014
2015
2016
4.4% 4.3%
4.5%
3.9%
3.8%
3.3%
3.5% 3.7% 3.8%
4.1%
3.2%
3.0% 3.1%
2.9%
2.6%
2.5%
2.3%
1.8% 2.0%
2.2%
2017
2018
2019
2020
2021
2022 1H
Commercial banks
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022 1H
Notes: 1. The net interest spread data of commercial banks is the average of the data of Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China,
China Construction Bank and Bank of Communications from 2011 to 2021
2. The net interest margin data of commercial banks is the average of the data from 2011 to 2021 according to the statistics of the China Banking and Insurance Regulatory
Commission, source: Wind
22
Commercial banks
2.4%View entire presentation