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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)

2019

2018

Change

 

For the year

 

Change(%)

Operating income

678,001

633,772

6.98

Profit before tax

326,597

308,160

5.98

Net profit

269,222

255,626

5.32

Net profit attributable to equity shareholders of the Bank

266,733

254,655

4.74

 

As at 31 December

 

Change(%)

Total assets

25,436,261

23,222,693

9.53

Total liabilities

23,201,134

21,231,099

9.28

Total equity attributable to equity shareholders of the Bank

2,216,257

1,976,463

12.13

Share capital

250,011

250,011

-

 

Per share(in RMB)

 

Change(%)

Basic and diluted earnings per share

1.05

1.00

5.00

Final cash dividend proposed after the reporting period

0.320

0.306

4.58

Net assets per share attributable to ordinary shareholders of the Bank

8.39

7.59

10.54

 

Financial ratios (%)

 

Change+/(-)

Profitability indicators

 

 

Return on average assets1

1.11

1.13

(0.02)

Return on average equity

13.18

14.04

(0.86)

Net interest spread

2.12

2.18

(0.06)

Net interest margin

2.26

2.31

(0.05)

Net fee and commission income to operating income

20.25

19.41

0.84

Cost-to-income ratio2

26.75

26.61

0.14

 

Capital adequacy indicators

 

 

Common Equity Tier 1 ratio3

13.88

13.83

0.05

Total capital ratio3

17.52

17.19

0.33

Total equity to total assets

8.79

8.58

0.21

 

Asset quality indicators

 

 

Non-performing loan(NPL) ratio

1.42

1.46

(0.04)

Allowances to NPLs

227.69

208.37

19.32

Allowances to total loans

3.23

3.04

0.19

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.