The financial information is prepared on a consolidated basis in accordance with the IFRS, and expressed in RMB unless otherwise stated.
|
(Expressed in millions of RMB unless otherwise stated) |
2021 |
2020 |
Change |
|
|
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|
For the year |
|
Change(%) |
|
|
Operating income |
764,706 |
714,224 |
7.07 |
|
Profit before tax |
378,412 |
336,616 |
12.42 |
|
Net profit |
303,928 |
273,579 |
11.09 |
|
Net profit attributable to equity shareholders of the Bank |
302,513 |
271,050 |
11.61 |
|
|
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|
As at 31 December |
|
Change(%) |
|
|
Total assets |
30,253,979 |
28,132,254 |
7.54 |
|
Total liabilities |
27,639,857 |
25,742,901 |
7.37 |
|
Total equity attributable to equity shareholders of the Bank |
2,588,231 |
2,364,808 |
9.45 |
|
Share capital |
250,011 |
250,011 |
- |
|
|
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|
Per share(in RMB) |
|
Change(%) |
|
|
Basic and diluted earnings per share |
1.19 |
1.06 |
12.26 |
|
Final cash dividend proposed after the reporting period |
0.364 |
0.326 |
11.66 |
|
Net assets per share attributable to ordinary shareholders of the Bank |
9.95 |
9.06 |
9.82 |
|
|
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|
Financial ratios (%) |
|
Change+/(-) |
|
|
Profitability indicators |
|
|
|
|
Return on average assets1 |
1.04 |
1.02 |
0.02 |
|
Return on average equity |
12.55 |
12.12 |
0.43 |
|
Net interest spread |
1.94 |
2.04 |
(0.10) |
|
Net interest margin |
2.13 |
2.19 |
(0.06) |
|
Net fee and commission income to operating income |
15.89 |
16.04 |
(0.15) |
|
Cost-to-income ratio2 |
27.64 |
25.38 |
2.26 |
|
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|
Capital adequacy indicators |
|
|
|
|
Common Equity Tier 1 ratio3 |
13.59 |
13.62 |
(0.03) |
|
Total capital ratio3 |
17.85 |
17.06 |
0.79 |
|
Total equity to total assets |
8.64 |
8.49 |
0.15 |
|
|
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|
Asset quality indicators |
|
|
|
|
Non-performing loan(NPL) ratio |
1.42 |
1.56 |
(0.14) |
|
Allowances to NPLs |
239.96 |
213.59 |
26.37 |
|
Allowances to total loans |
3.40 |
3.33 |
0.07 |
1.Calculated by dividing net profit by the average of total assets at the beginning and end of the year.
2.Operating expenses (after deduction of taxes and surcharges) divided by operating income.
3.Calculated in accordance with the relevant regulations of the Capital Rules for Commercial Banks (Provisional), the advanced capital measurement approaches, and applicable rules for the transitional period.
