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Financial Highlights

   

Item

2018

2017

Year-on-year

change

2016

Business Performance (RMB’000)                                     

Change (%)

Net interest income

4,464,029

4,802,408

(7.05)

5,007,955

Net non-interest income

2,907,924

780,524

272.56

1,011,381

Operating income

7,371,953

5,582,932

32.04

6,019,336

Business and management fee

(2,430,802)

(1,764,024)

37.80

(2,081,023)

Credit/Impairment losses

(2,383,172)

(1,378,904)

72.83

(1,108,874)

Operating profit

2,479,300

2,374,264

4.42

2,674,272

Total profit 

2,476,016

2,369,767

4.48

2,673,750

Net profit

2,043,389

1,903,607

7.34

2,088,605

Net profit attributable to equity shareholders of the Bank

2,023,352

1,900,252

6.48

2,088,605

Net profit attributable to equity shareholders of the Bank after deduction of non-recurring profit or loss

2,020,853

1,884,779

7.22

2,091,107

Cash flows (RMB’000)                                                

Change (%)

Net cash flows generated from operating activities

(20,854,480)

(25,646,229)

18.68

44,160,567

Per share (RMB/share)                                                   

Change

Net assets per share attributable

to  equity shareholders of the Bank

4.71

4.38

0.33

4.35

Basic earnings per share

0.37

0.47

(0.10)

0.51

Diluted earnings per share

0.37

0.47

(0.10)

0.51

Basic earnings per share after deduction of non-recurring profit or loss

0.37

0.46

(0.09)

0.52

Dividend per share

0.20

0.20

-

0.20

  Item

2018

2017

Year-on-year

change

2016

Scale indicators (RMB’000)                                        

Change (%)

Total assets

317,658,502

306,276,092

 3.72

277,988,106

    Of which: loans and advances

to customers

123,366,891

95,514,680

29.16

84,864,849

Total liabilities

290,161,778

280,152,883

 3.57

260,352,133

Of which: deposits from customers

177,911,247

 160,083,783

11.14

141,604,761

Share capital

4,058,713

4,058,713

 -  

4,058,713

Total equity attributable to equity shareholders of the Bank

26,984,973

25,629,854

 5.29

17,635,973

Total equity

27,496,724

26,123,209

 5.26

17,635,973

Profitability indicators (%)                                           

Change

Return on average total assets

0.66

0.65

0.01

0.90

Weighted average return on net assets

8.36

10.80

(2.44)

12.22

Weighted average return on net assets after deduction of non-recurring profit or loss

8.35

10.71

(2.36)

12.24

Net interest spread

1.67

1.57

0.10

2.05

Net interest margin

1.63

1.72

(0.09)

2.23

Net fee and commission income to

operating income

11.74

14.85

(3.11)

     14.75

Cost-to-income ratio

32.97

31.60

1.37

     34.57

Asset quality indicators (%)                                          

Change

Non-performing loan ratio

1.68

1.69

   (0.01)

1.36

Provision coverage ratio

168.04

153.52

   14.52

194.01

Loan provision ratio

2.82

2.60

    0.22

2.64

Indicators of capital adequacy ratio (%)                             

Change

Core tier-one capital adequacy ratio

8.39

8.71

(0.32)

10.08

Tier-one capital adequacy ratio

11.82

12.57

(0.75)

10.08

Capital adequacy ratio

15.68

16.60

(0.92)

12.00

Total equity to total assets

8.66

8.53

0.13

6.34

Other indicators (%)                                               

Change

Liquidity coverage ratio

(RMB and foreign currency)

125.95

173.05

(47.10)

101.24

Liquidity ratio

60.55

56.36

4.19

53.48

  • The contents on this page is for reference only. Bank of Qingdao reserves the right of interpretation of the above contents under applicable laws.