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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)

2016

2015

Change

 

For the year

 

Change(%)

Operating income

559,860

586,687

(4.57)

Profit before tax

295,210

298,497

(1.10)

Net profit

232,389

228,886

1.53

Net profit attributable to equity shareholders of the Bank

231,460

228,145

1.45

 

As at 31 December

 

Change(%)

Total assets

20,963,705

18,349,489

14.25

Total liabilities

19,374,051

16,904,406

14.61

Total equity attributable to equity shareholders of the Bank

1,576,500

1,434,020

9.94

Share capital

250,011

250,011

-

 

Per share(in RMB)

 

Change(%)

Basic and diluted earnings per share

0.92

0.91

1.10

Final cash dividend proposed after the reportingperiod

0.278

0.274

1.46

Net assets per share

6.28

5.78

8.65

 

Financial ratios (%)

 

Change+/(-)

Profitability indicators

 

 

Return on average assets1

1.18

1.30

(0.12)

Return on average equity

15.44

17.27

(1.83)

Net interest spread

2.06

2.46

(0.40)

Net interest margin

2.20

2.63

(0.43)

Net fee and commission income to operating income

21.17

19.35

1.82

Cost-to-income ratio2

27.51

27.02

0.49

 

Capital adequacy indicators

 

 

Common Equity Tier 1 ratio3

12.98

13.13

(0.15)

Total capital ratio3

14.94

15.39

(0.45)

Total equity to total assets

7.58

7.88

(0.30)

 

Asset quality indicators

 

 

Non-performing loan(NPL) ratio

1.52

1.58

(0.06)

Allowances to NPLs

150.36

150.99

(0.63)

Allowances to total loans

2.29

2.39

(0.10)

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). Theadvanced capital measurement approaches have been adopted to calculate capital adequacy ratios, and the regulations duringthe transition period have been applicable to the calculation of ratios since the second quarter of 2014.