Investor Presentaiton
Financial Highlights
Profit & Loss Summary
(RMB million)
Net interest income
Balance Sheet Summary
2019 2018 Change
(RMB million)
2019.12.31
2018.12.31 Change
374,250 359,706
4.04%
Total assets
22,769,744
21,267,275
7.06%
Non-interest income
175,760 144,100
21.97%
Loans, gross
13,068,785
11,819,272
10.57%
Net fee and commission income
89,612 87,208
2.76%
Investments
5,514,062
5,054,551
9.09%
Operating income
550,010 503,806
9.17%
Total liabilities
20,793,048
19,541,878
6.40%
Operating expenses
-198,269 -176,979
12.03%
Due to customers
15,817,548
14,883,596
6.28%
Pre-provision operating profit
351,741 326,827
7.62%
Capital and reserves
Impairment losses on assets
-102,153 -99,294
2.88%
Profit before income tax
Profit after-tax
201,891
250,645 229,643
192,435
9.15%
attributable to equity holders
of the Bank
1,851,701
1,612,980
14.80%
Net asset per share
4.91%
5.61
5.14
(RMB Yuan)
Profit attributable to equity holders of
the Bank
187,405
180,086
4.06% Key financial ratios(%)
Dividend per ten shares (RMB Yuan)
1.91
1.84
Common equity tier 1 CAR²
11.30
11.41
-11bps
Key financial ratios(%)
Tier 1 CAR²
12.79
12.27
52bps
ROA
0.92
0.94
-2bps CAR2
15.59
14.97
62bps
ROE
11.45
12.06
-61bps NPL ratio
1.37
1.42
-5bps
Net interest margin
1.84
1.90
Cost to income ratio¹
28.00
28.09
-6bps
-0.09 ppt
NPL coverage ratio
182.86
181.97
0.89 ppt
Notes: 1. Cost to income ratio is calculated under domestic regulations.
Credit cost
0.80
0.95
-15bps
2. Capital ratios are calculated under the advanced approaches in accordance with Capital Rules for
Commercial Banks (Provisional) and related regulations.
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