About XIB

Major Financial Highlights

Major Financial Highlights

2021-05-27

     

    During Reporting Period

    Unit: CNY1,000

    2020

    2019

    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

    2019

    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

    2019

    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

    2019

    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

    2019

    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

    2019

    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.

     

     

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