Major Financial Highlights

2021-05-27

 

During Reporting Period
Unit: CNY1,000	2020年	2019年	Increase
Total operating income	17,712,107	16,883,884	4.91%
Profit before taxation	6,250,529	7,231,519	-13.57%
Net profit	5,727,953	6,315,056	-9.30%
Net profit attributable to equity holders of the parent company	4,513,428	5,152,486	-12.40%
Basic earnings per share（Unit: CNY）	0.49	0.61	-19.99%
End of Reporting Period
Unit: CNY1,000	2020年	2019年	Increase
Total assets	950,146,413	915,524,768	3.78%
Total loans and advances	526,204,503	466,813,981	12.72%
Total deposits	649,631,819	634,681,571	2.36%
Equity attributable to equity holders of the parent company	57,408,168	50,245,918	14.25%
Asset Quality Index
Unit: %	2020年	2019年	Percentage change
Non-performing loan ratio	0.84%	0.71%	0.13
Provision coverage ratio	259.80%	323.47%	-63.67
Loan provision rate	2.17%	2.31%	-0.14
Liquidity Index
Unit: %	2020年	2019年	Percentage change
Net stable funding ratio	109.14%	113.26%	-4.12
Liquidity ratio	104.97%	88.45%	16.52
Liquidity covered ratio	384.92%	221.64%	163.28
Profitability Index
Unit: %	2020年	2019年	Percentage change
ROA	0.61%	0.73%	-0.12
ROE	8.69%	10.82%	-2.13
ROE after deducting non-recurring gains and losses	8.65%	10.83%	-2.18
Cost-income ratio	27.21%	25.47%	1.74
Capital Adequacy Ratio Index
Unit: %	2020年	2019年	Percentage change
Capital adequacy ratio	12.06%	12.26%	-0.20
Tier one capital adequacy ratio	9.49%	9.41%	0.08
Core tier one capital adequacy ratio	9.15%	9.04%	0.11

 

Note:

1. Non-performing loan ratio = non-performing loans balance/total loans and advances

2. Provision coverage ratio = loans impairment/non-performing loan balance.

3. Since 2013, capital adequacy ratio is calculated according to New Capital Rules.

4．The difference of the ROA from 2020 to 2019 is rounded to the end.