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Financial Information
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Financial Highlights for 2018 Annual Results

Profitability (%)  2018 2017 Change
Return on average total assets(1) 1.11

1.14

-0.03
Return on weighted average equity(2) 13.79 14.35 -0.56
Cost-to-income ratio(3) 25.71 26.45 -0.74

Notes: (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 China Securities Regulatory Commission.
(3) Calculated by dividing operating expense (less taxes and surcharges) by operating income. 

Asset Quality(%) 2018.12.31 2017.12.31 Change
NPL ratio(1) 1.52 1.55 -0.03
Allowance to NPL(2) 175.76 154.07 21.69

Notes: (1) Calculated by dividing the balance of NPLs by total balance of loans and advances to customers.
(2) Calculated by dividing allowance for impairment losses on loans by total balance of NPLs. 

Capital Adequacy(%) 2018.12.31 2017.12.31 Change
Core Tier 1 Capital Adequacy Ratio 12.98 12.77 0.21
Capital Adequacy Ratio 15.39 15.14 0.25

Note: Calculated in accordance with the Regulation Governing Capital of Commercial Banks (Provisional).