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The financial information is prepared on a consolidated basis in accordance with the IFRS, and expressed in RMB unless otherwise stated.

(Expressed in millions of RMB unless otherwise stated)

2021

2020

Change

 

For the year

 

Change(%)

Operating income

764,706

714,224

7.07

Profit before tax

378,412

336,616

12.42

Net profit

303,928

273,579

11.09

Net profit attributable to equity shareholders of the Bank

302,513

271,050

11.61

 

As at 31 December

 

Change(%)

Total assets

30,253,979

28,132,254

7.54

Total liabilities

27,639,857

25,742,901

7.37

Total equity attributable to equity shareholders of the Bank

2,588,231

2,364,808

9.45

Share capital

250,011

250,011

-

 

Per share(in RMB)

 

Change(%)

Basic and diluted earnings per share

1.19

1.06

12.26

Final cash dividend proposed after the reporting period

0.364

0.326

11.66

Net assets per share attributable to ordinary shareholders of the Bank

9.95

9.06

9.82

 

Financial ratios (%)

 

Change+/(-)

Profitability indicators

 

 

Return on average assets1

1.04

1.02

0.02

Return on average equity

12.55

12.12

0.43

Net interest spread

1.94

2.04

(0.10)

Net interest margin

2.13

2.19

(0.06)

Net fee and commission income to operating income

15.89

16.04

(0.15)

Cost-to-income ratio2

27.64

25.38

2.26

 

Capital adequacy indicators

 

 

Common Equity Tier 1 ratio3

13.59

13.62

(0.03)

Total capital ratio3

17.85

17.06

0.79

Total equity to total assets

8.64

8.49

0.15

 

Asset quality indicators

 

 

Non-performing loan(NPL) ratio

1.42

1.56

(0.14)

Allowances to NPLs

239.96

213.59

26.37

Allowances to total loans

3.40

3.33

0.07

1.Calculated by dividing net profit by the average of total assets at the beginning and end of the year.

2.Operating expenses (after deduction of taxes and surcharges) divided by operating income.

3.Calculated in accordance with the relevant regulations of the Capital Rules for Commercial Banks (Provisional), the advanced capital measurement approaches, and applicable rules for the transitional period.