Investment Highlights
Announcements
Financial Information
Capital Adequacy
Share Information
Investor Calendar
IR Contacts and Services
Download Center
Green Finance
 You are here: Home > Investor Relations > Financial Information > Financial Highlights
Financial Information
 Financial Highlights | Financial Reports | Credit Ratings 

Financial Highlights for 2020

Profitability (%)  2020 2019 Change
Return on average total assets(1) 1.00 1.08 -0.08
Return on weighted average equity(2) 11.95 13.05 -1.10 
Cost-to-income ratio(3) 24.76 25.79 -1.03

 

Asset Quality(%)  2020 2019 Change
NPLs ratio(4) 1.58 1.43 0.15
Allowance to NPLs(5) 180.68 199.32 -18.64

 

Capital Adequacy(%) 2020.12.31 2019.12.31 Change
Core Tier 1 Capital Adequacy Ratio(6) 13.18 13.20 -0.02
Capital Adequacy Ratio(6) 16.88 16.77 0.11

Note: (1)Calculated by dividing net profit by the average balance of total assets at the beginning and at the end of the reporting period.
(2) Calculated in accordance with the Rules for the Compilation and Submission of Information Disclosure by Companies that Offer Securities to the Public No. 9 — Calculation and Disclosure of Return on Net Assets and Earnings per Share (Revision 2010) issued by CSRC.
(3) Calculated by dividing operating expenses (less taxes and surcharges) by operating income.
(4) Calculated by dividing the balance of NPLs by total balance of loans and advances to customers.
(5) Calculated by dividing allowance for impairment losses on loans by total balance of NPLs.
(6) Calculated in accordance with the Regulation Governing Capital of Commercial Banks (Provisional).