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嗨,买点东西也不容易,还要看人识不识货。
FINANCIAL PROFILE
Local GAAP Local GAAP Local GAAP Local GAAP Local GAAP
Audited Audit n.a. Unqualified Unqualified Audited
2009/12/31 2008/12/31 2007/12/31 2006/12/31 2005/12/31
mil CNY mil CNY mil CNY mil CNY mil CNY
Total Assets 120,995.60 118,036.40 99,492.50 61,037.30 40,054.90
Deposits & Short term funding 103,394.80 104,690.10 89,440.10 56,146.60 36,043.90
Equity 11,167.50 10290.0 8,690.50 4,263.50 3549.0
Net Income 898.0 1,020.20 295.50 444.10 159.70
RATIOS
Assets Quality
Loan Loss Reserve / Gross Loans n.a. n.a. 1.27 1.19 1.39
Capital
Total Capital Ratio 15.00 15.20 16.70 n.a. n.a.
Equity / Total Assets 9.23 8.72 8.74 6.99 8.86
Operations
Net Interest Margin 2.24 2.48 2.68 2.14 1.57
Return on Average Assets (ROAA) 0.75 0.94 0.49 0.88 0.40
Return on Average Equity (ROAE) 8.37 10.75 6.08 11.37 4.50
Cost to Income Ratio 47.96 41.49 40.76 30.67 37.14
Liquidity
Net Loans / Total Assets 69.96 69.01 70.27 70.85 68.41
Net Loans / Customer & ST Funding 81.87 77.81 78.17 77.02 76.02
Liquid Assets / Cust & ST Funding 22.49 20.78 28.47 28.87 32.48
GLOBAL SUMMARY
Local GAAP Local GAAP Local GAAP Local GAAP Local GAAP
Audited Audit n.a. Unqualified Unqualified Audited
2009/12/31 2008/12/31 2007/12/31 2006/12/31 2005/12/31
mil CNY mil CNY mil CNY mil CNY mil CNY
BALANCE SHEET
Assets
Loans 84,646.90 81,455.30 69,911.80 43,242.30 27,401.70
Gross Loans 84,646.90 81,455.30 70,811.50 43,762.10 27,787.90
Less: Reserves for Impaired Loans / NPLs n.a. n.a. 899.70 519.80 386.20
Other Earning Assets 31,377.20 30,784.60 26,505.70 16,633.10 11,789.50
Loans and Advances to Banks 21,302.70 21,756.60 25,312.10 16,147.50 11,660.80
Derivatives 111.30 n.a. n.a. n.a. n.a.
Other Securities 9,955.40 9,020.60 1,193.60 485.60 128.70
Remaining earning assets 7.80 7.40 n.a. n.a. n.a.
Total Earning Assets 116,024.10 112,239.90 96,417.50 59,875.40 39,191.20
Fixed Assets 4,017.90 2,615.40 1,249.90 744.90 596.30
Non-Earning Assets 953.60 3,181.10 1,825.10 417.0 267.40
Total Assets 120,995.60 118,036.40 99,492.50 61,037.30 40,054.90
Liabilities & Equity
Deposits & Short term funding 103,394.80 104,690.10 89,440.10 56,146.60 36,043.90
Total Customer Deposits 84,089.80 66,516.40 36,280.30 10,110.60 5,683.90
Deposits from Banks 19305.0 38,173.70 21,221.90 32,751.10 23,541.70
Other Deposits and Short-term Borrowings n.a. n.a. 31,937.90 13,284.90 6,818.30
Other (Non-Interest bearing) 6,433.30 3,056.30 1,361.90 627.20 462.0
Equity 11,167.50 10290.0 8,690.50 4,263.50 3549.0
Total Liabilities & Equity 120,995.60 118,036.40 99,492.50 61,037.30 40,054.90
Off Balance Sheet Items n.a. n.a. 18,436.10 n.a. n.a.
Loan Loss Reserves (Memo) n.a. n.a. 899.70 519.80 386.20
Liquid Assets (Memo) 23,256.40 21,756.60 25,461.40 16,211.60 11,705.40
INCOME STATEMENT
Local GAAP Local GAAP Local GAAP Local GAAP Local GAAP
Audited Audit n.a. Unqualified Unqualified Audited
2009/12/31 2008/12/31 2007/12/31 2006/12/31 2005/12/31
mil CNY mil CNY mil CNY mil CNY mil CNY
Net Interest Revenue 2,556.90 2,590.50 1,573.10 1,059.50 613.30
Other Operating Income 355.40 299.70 -15.0 177.90 123.30
Net Gains (Losses) on Assets at FV through Income Statement -60.20 57.60 n.a. n.a. n.a.
Net Fees and Commissions 300.40 219.30 135.30 94.0 78.0
Remaining Operating Income 115.20 22.80 -150.30 83.90 45.30
Overheads 1,396.70 1199.0 635.0 379.50 273.60
Loan Loss Provisions 131.10 83.30 330.80 180.60 203.90
Other 47.20 18.40 25.40 5.70 6.50
Profit before Tax 1,431.70 1,626.30 617.70 683.0 265.60
Tax 533.70 606.10 322.20 238.90 105.90
Net Income 898.0 1,020.20 295.50 444.10 159.70
Total Capital Ratio 15.00 15.20 16.70 n.a. n.a.
Tier 1 Ratio n.a. n.a. 15.30 n.a. n.a.
Total Capital n.a. n.a. 9445.0 n.a. n.a.
Tier 1 Capital n.a. n.a. 8,690.50 n.a. n.a.
Net-Charge Offs n.a. n.a. -17.90 n.a. n.a.
MEMO LINES
Impaired Loans (Memo) n.a. n.a. 206.40 115.60 n.a.
Intangibles (Memo) 40.80 24.60 14.20 14.90 0.0
Operating Income (Memo) 2,912.30 2,890.20 1,558.10 1,237.40 736.60
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