Financial Highlights
Key Operating Figures
| Unit: RMB million |
Change |
2008 |
2007 |
| Net interest income |
+6.67% |
162,936 |
152,745 |
| Non-interest income |
+56.19% |
65,960 |
42,230 |
| -Net fee & commission income |
+12.42% |
39,947 |
35,535 |
| Operating expenses |
+14.23% |
(97,412) |
(85,278) |
| Impairment losses on assets |
+122.23% |
(45,031) |
(20,263) |
| Profit after income tax |
+6.22% |
65,894 |
62,036 |
Profit attributable to
the equity holders of the Bank |
+14.42% |
64,360 |
56,248 |
Key Assets and Liabilities Figures
| Unit: RMB million |
Change |
As at 31 December 2008 |
As at 31 December 2007 |
| Total assets |
+16.03% |
6,951,680 |
5,991,217 |
| Loans,net |
+15.80% |
3,189,652 |
2,754,493 |
| Total liabilities |
+16.63% |
6,461,793 |
5,540,560 |
| Due to customers |
+15.95% |
5,102,111 |
4,400,111 |
| Capital and reserves attributable to the equity holders of the Bank Share capital |
+10.42% |
464,258 |
420,430 |
Key Ratios
| . |
Change
(percentage points) |
2008 |
2007 |
| Earnings per share (RMB) |
+0.03 |
0.25 |
0.22 |
| Return on average assets |
-0.08 |
1.02% |
1.10% |
| Return on average equity |
+0.55 |
14.55% |
14.00% |
| Net interest margin |
-0.13 |
2.63% |
2.76% |
| Non-interest income ratio |
+7.16 |
28.82% |
21.66% |
| Cost to income ratio(excluding income tax and other taxes) |
-1.67 |
37.59% |
39.26% |
| Credit Cost |
+0.24 |
0.55% |
0.31% |
| |
Change
(percentage points) |
As at 31
December 2008 |
As at 31
December 2007 |
| Net assets per share (RMB) |
+0.17 |
1.83 |
1.66 |
| Impaired loan ratio |
-0.41 |
2.76% |
3.17% |
| Impaired loan coverage ratio |
+10.81 |
117.18% |
106.37% |
| NPL ratio |
-0.47 |
2.65% |
3.12% |
| NPL coverage ratio |
+13.54 |
121.72% |
108.18% |
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