(Expressed in millions of RMB unless otherwise stated)

2010

2009

Change

For the year

Change(%)

Operating income

 325,780

269,314

20.97

Profit before tax

175,156

138,725

26.26

Net profit

135,031

106,836

26.39

Net profit attributable to shareholders of the Bank

 134,844

106,756

26.31

As at 31 December

 Change(%)

Total assets

10,810,317

9,623,355

12.33

Total liabilities

10,109,412

9,064,335

11.53

Total equity attributable to shareholders of the Bank

696,792

555,475

25.44

Issued and paid-in capital

250,011

233,689

6.98

Per share(in RMB)

 Change(%)

Basic and diluted earnings per share

0.56

0.46

24.44

Final cash dividend proposed after the balance sheet date

0.2122

0.202

5.05

Net assets per share

2.80

2.39

17.15

Financial ratios (%)

Change+/(-)

Profitability indicators

Return on average assets1

1.32

1.24

0.08

Return on average equity

22.61

20.87

1.74

Net interest spread

2.40

2.30

0.10

Net interest margin

2.49

2.41

0.08

Net fee and commission income to operating income

20.44

17.84

2.45

Cost-to-income ratio

31.47

39.04

(1.43)

Loan-to-deposit ratio

62.47

60.24

2.23

Capital adequacy indicators

Core capital adequacy ratio2

10.40

9.31

1.09

Capital adequacy ratio2

12.68

11.70

(0.46)

Total equity to total assets

6.48

5.81

0.67

Asset quality indicators

Non-performing loan ratio

1.14

1.50

(0.36)

Allowances to non-performing loans

221.14

175.77

45.37

Allowances to total loans

2.52

2.63

(0.11)