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Financial Highlights for 2022

Profitability (%) 2022 2021 Change
Return on average total  assets(1) 0.97% 1.02% -0.05%
Return on weighted average  equity(2) 11.43% 12.15% -0.72%
Cost-to-income ratio 27.43% 26.36% 1.07%


Asset quality (%) 2022.12.31 2021.12.31 Change
Non-performing loans  (“NPLs”) ratio(3) 1.38% 1.42% -0.04%
Allowance to NPLs(4) 209.47% 205.84% 3.63%


Capital adequacy (%) 2022.12.31 2021.12.31 Change
Common equity tier 1 capital  adequacy ratio(5) 14.04% 13.31% 0.73%
Capital adequacy ratio(5) 19.26% 18.02% 1.24%

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 (“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).