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% |
Please click to download:
Opérations intégrées
