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Financial Highlights

 

Item

2017

2016

YoY

Change

2015

2014

2013

Scale indicators (Unit: RMB ’000)

 

Change

 

 

 

Total assets

306,276,092

277,988,106

10.18%

187,235,254

156,165,941

135,689,371

Of which: loans and advances to customers, net

95,514,680

84,864,849

12.55%

70,655,221

61,248,341

54,105,925

Total liabilities

280,152,883

260,352,133

7.61%

170,621,602

146,381,291

127,484,219

Of which: deposits from customers

160,083,783

141,604,761

13.05%

115,321,997

101,733,660

96,283,907

Share capital

4,058,713

4,058,713

-

4,011,533

2,555,977

2,555,977

Equity attributable to shareholders of the Bank

25,629,854

17,635,973

45.33%

16,613,652

9,784,650

8,205,152

Total equity

26,123,209

17,635,973

48.12%

16,613,652

9,784,650

8,205,152

Profitability indicators(%)

 

Change

 

 

 

Return on average total assets

0.65

0.90

(0.25)

1.06

1.02

0.96

Return on average equity

10.73

12.20

(1.47)

13.74

16.62

14.60

Net interest spread

1.57

2.05

(0.48)

2.23

2.25

2.38

Net interest margin

1.72

2.23

(0.51)

2.36

2.43

2.54

Net fee and commission income to operating income ratio

14.89

14.81

0.08

14.98

15.78

11.96

Cost-to-income ratio

31.68

34.71

(3.03)

35.80

39.61

41.04

Asset quality indicators(%)

 

Change

 

 

 

Non-performing loan ratio

1.69

1.36

0.33

1.19

1.14

0.75

Provision coverage ratio

153.52

194.01

(40.49)

236.13

242.32

365.24

Loan provision ratio

2.60

2.64

(0.04)

2.81

2.76

2.74

Indicators of capital adequacy ratio (%)

 

Change

 

 

 

Core tier-one capital adequacy ratio

8.71

10.08

(1.37)

12.48

9.72

9.75

Tier-one capital adequacy ratio

12.57

10.08

2.49

12.48

9.72

9.75

Capital adequacy ratio

16.60

12.00

4.60

15.04

10.75

10.88

Total equity to total assets

8.53

6.34

2.19

8.87

6.27

6.05

  Note: The above sheet is prepared based on our bank’s 2017 annual report.

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