Investment Highlights
Financial Information
Capital Adequacy
Share Information
Investor Calendar
IR Contacts and Services
Download Center
 You are here: Home  >  Investor Relations  >  Financial Information  >  Financial Highlights
Financial Information
Main Financial Index Financial summary over the years
  Financial Highlights   |   Financial Reports   |   Credit Ratings  

Profitability (%) 2023 1H  2022 1H  Change rate
Return on average total  assets(1) 0.84% 0.94% -0.10%
Return on weighted average  equity(2) 10.51% 11.26% -0.75%
Cost-to-income ratio 23.29% 21.97% 1.32%


Asset quality (%) 2023.06.30 2022.12.31 Change rate
Non-performing loans  (“NPLs”) ratio(3) 1.36% 1.38% -0.02%
Allowance to NPLs(4) 218.62% 209.47% 9.15%


Capital adequacy (%) 2023.06.30 2022.12.31 Change rate
Common equity tier 1 capital  adequacy ratio(5) 13.20% 14.04% -0.84%
Capital adequacy ratio(5) 18.45% 19.26% -0.81%

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 CSRC.
(3) Calculated by dividing the balance of NPLs by total balance of loans and advances to customers. 
(4) Calculated by dividing allowance for impairment losses on loans by total balance of NPLs.
(5) Calculated in accordance with the Regulation Governing Capital of Commercial Banks (Provisional).