Register

Institutional Sign In

Go
Home » Companies » Banking in China » Bank of China

Bank of China

Bank of China's net profit rose 4.99% yoy to CNY 63,083 mil in 2Q2019

By Helgi Library - October 14, 2019

Bank of China made a net profit of CNY 63,083 mil under revenues of CNY 138,264 mil in the second quarter of 2019, up 4.99% and ...

Bank of China's capital adequacy ratio rose 11.2% yoy to 15.3% in 2Q2019

By Helgi Library - October 14, 2019

Bank of China's capital adequacy ratio reached 15.3% at the end of second quarter of 2019, up from 15.0% when compared to the pre...

Bank of China's customer deposits rose 10.3% yoy to CNY 12,939,700 mil in 4Q2016

By Helgi Library - October 14, 2019

Bank of China's customer deposits reached CNY 12,939,700 mil in 2016-12-31, down 0.268% compared to the previous year. Chinese ...

Annual Quarterly LTM
Profit Statement Dec 2018 Mar 2019 Jun 2019
Net Interest Income CNY mil 92,161 89,381 92,303
Net Fee Income CNY mil 18,690 27,355 23,209
Other Income CNY mil 20,054 27,249 22,752
Total Revenues CNY mil 130,905 143,985 138,264
Operating Profit CNY mil 85,710 96,416 97,084
Provisions CNY mil 49,049 27,335 8,386
Net Profit CNY mil 26,812 50,965 63,083
Balance Sheet Dec 2018 Mar 2019 Jun 2019
Interbank Loans CNY mil 1,405,500 1,437,400 1,577,500
Customer Loans CNY mil 11,515,800 11,941,100 12,257,800
Total Assets CNY mil 21,267,300 21,616,600 22,266,000
Shareholders' Equity CNY mil 1,725,400 1,817,700 1,907,500
Interbank Borrowing CNY mil 3,606,900 2,783,500 3,681,700
Customer Deposits CNY mil 14,883,600 15,645,200 15,644,600
Issued Debt Securities CNY mil 473,309 747,977 420,956
Ratios Dec 2018 Mar 2019 Jun 2019
ROE % 6.28 11.5 13.5
ROA % 0.508 0.951 1.15
Costs (As % Of Assets) % 0.857 0.887 0.751
Costs (As % Of Income) % 34.5 33.0 29.8
Capital Adequacy Ratio % 15.0 15.0 15.3
Net Interest Margin % 1.75 1.67 1.68
Loans (As % Of Deposits) % 77.4 76.3 78.4
NPLs (As % Of Loans) % 1.43 1.41 1.42
Provisions (As % Of NPLs) % 179 184 175
Valuation Dec 2018 Mar 2019 Jun 2019
Price/Earnings (P/E) 5.52 6.74 5.25
Price/Book Value (P/BV) 0.576 0.675 0.509
Dividend Yield % 0 0 0
Earnings Per Share (EPS) CNY 0.612 0.618 0.640
Book Value Per Share CNY 5.86 6.17 6.60
Dividend Per Share CNY 0 0 0

Get all company financials in excel:

Download Sample   $19.99

summary Unit Sep 2009 Dec 2009 Mar 2010 Jun 2010 Sep 2010 Dec 2010 Mar 2011 Jun 2011 Sep 2011 Dec 2011 Mar 2012 Jun 2012 Sep 2012 Dec 2012 Mar 2013 Jun 2013 Sep 2013 Dec 2013 Mar 2014 Jun 2014 Sep 2014 Dec 2014 Mar 2015 Jun 2015 Sep 2015 Dec 2015 Mar 2016 Jun 2016 Sep 2016 Dec 2016 Mar 2017 Jun 2017 Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019
income statement                                                                                
Net Interest Income CNY mil ... ...                                                               87,508 83,874 88,577 91,856 92,161    
Total Revenues CNY mil ... ...                                                               118,657 128,253 125,766 127,753 130,905    
Operating Profit CNY mil ... ...                                                               68,728 84,919 91,466 83,363 85,710    
Net Profit CNY mil ... ...                                                               26,901 49,001 60,087 44,186 26,812    
balance sheet                                                                                
Interbank Loans CNY mil                                                                   1,060,500 1,321,200 1,200,700 1,164,100 1,405,500    
Customer Loans CNY mil                                                                   10,644,300 10,863,300 11,135,600 11,417,000 11,515,800    
Debt Securities CNY mil                                                                   4,748,500 4,902,400 4,991,400 5,130,400 5,257,800    
Total Assets CNY mil                                                                   19,467,400 20,159,800 20,294,900 20,925,700 21,267,300    
Shareholders' Equity CNY mil                                                                   1,576,700 1,583,700 1,610,700 1,689,100 1,725,400    
Interbank Borrowing CNY mil                                                                   3,091,400 2,861,100 3,086,100 3,132,100 3,606,900    
Customer Deposits CNY mil                                                                   13,657,900 14,351,100 14,352,900 14,607,900 14,883,600    
Issued Debt Securities CNY mil                                                                   399,557 507,862 413,528 670,108 473,309    
ratios                                                                                
ROE % ... ...                                                               6.86 12.4 15.0 10.7 6.28    
ROA % ... ...                                                               0.553 0.989 1.19 0.858 0.508    
Costs (As % Of Assets) % ... ...                                                               1.03 0.875 0.678 0.862 0.857    
Costs (As % Of Income) % ... ...                                                               42.1 33.8 27.3 34.7 34.5    
Capital Adequacy Ratio % ... ...                                                               14.2 13.9 13.8 14.2 15.0    
Net Interest Margin % ... ...                                                               1.80 1.69 1.75 1.78 1.75    
Interest Income (As % Of Revenues) % ... ...                                                               73.7 65.4 70.4 71.9 70.4    
Fee Income (As % Of Revenues) % ... ...                                                               15.8 20.1 17.8 15.9 14.3    
Equity (As % Of Assets) %                                                                   8.10 7.86 7.94 8.07 8.11    
Loans (As % Of Deposits) %                                                                   77.9 75.7 77.6 78.2 77.4    
Loans (As % Assets) %                                                                   54.7 53.9 54.9 54.6 54.1    
NPLs (As % Of Loans) % ...                                                                 1.48 1.11 1.45 1.43 1.43    
Provisions (As % Of NPLs) % ...                                                                 157 2,185 161 168 179    
valuation                                                                                
Market Capitalisation (End Of Period) USD mil ... ...                                                               141,383 141,618 123,149 114,848 111,597    
Number Of Shares (Average) mil ... ...                                                               294,346 294,388 294,368 294,388 294,348    
Share Price (End Of Period) HKD ... ...                                                               3.75 3.78 3.28 3.05 2.97    
Earnings Per Share (EPS) CNY ... ...                                                               0.586 0.594 0.604 0.612 0.612    
Book Value Per Share CNY ... ...                                                               5.36 5.38 5.47 5.74 5.86    
Dividend Per Share CNY ... ...                                                               0 0 0 0 0    
Price/Earnings (P/E) ... ...                                                               7.68 7.94 6.45 5.69 5.52    
Price/Book Value (P/BV) ... ...                                                               0.840 0.876 0.712 0.607 0.576    
Dividend Yield % ... ...                                                               0 0 0 0 0    
Earnings Per Share Growth % ... ... ... ... ... ...                                                       4.75 6.17 1.46 2.80 4.45    
Book Value Per Share Growth % ... ... ... ... ... ...                                                       6.02 3.60 5.41 8.15 9.43    
income statement Unit Sep 2009 Dec 2009 Mar 2010 Jun 2010 Sep 2010 Dec 2010 Mar 2011 Jun 2011 Sep 2011 Dec 2011 Mar 2012 Jun 2012 Sep 2012 Dec 2012 Mar 2013 Jun 2013 Sep 2013 Dec 2013 Mar 2014 Jun 2014 Sep 2014 Dec 2014 Mar 2015 Jun 2015 Sep 2015 Dec 2015 Mar 2016 Jun 2016 Sep 2016 Dec 2016 Mar 2017 Jun 2017 Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019
income statement                                                                                
Interest Income CNY mil ... ...                                                               162,705 161,676 168,533 175,370 178,959    
Interest Cost CNY mil ... ...                                                               75,197 77,802 79,956 83,514 86,798    
Net Interest Income CNY mil ... ...                                                               87,508 83,874 88,577 91,856 92,161    
Net Fee Income CNY mil ... ...                                                               18,790 25,782 22,406 20,330 18,690    
Other Income CNY mil ... ...                                                               12,359 18,597 14,783 15,567 20,054    
Total Revenues CNY mil ... ...                                                               118,657 128,253 125,766 127,753 130,905    
Operating Cost CNY mil ... ...                                                               49,929 43,334 34,300 44,390 45,195    
Operating Profit CNY mil ... ...                                                               68,728 84,919 91,466 83,363 85,710    
Provisions CNY mil ... ...                                                               34,597 15,495 16,362 26,999 49,049    
Extra and Other Cost CNY mil ... ...                                                               1,655 1,741 826 2,711 2,632    
Pre-Tax Profit CNY mil ... ...                                                               32,476 67,683 74,278 53,653 34,029    
Tax CNY mil ... ...                                                               2,625 15,500 10,886 6,480 4,342    
Minorities CNY mil ... ...                                                               2,950 3,182 3,305 2,987 2,875    
Net Profit CNY mil ... ...                                                               26,901 49,001 60,087 44,186 26,812    
growth rates                                                                                
Net Interest Income Growth % ... ... ... ... ... ...                                                       -54.2 6.70 2.48 5.53 5.32    
Net Fee Income Growth % ... ... ... ... ... ...                                                       -6.88 0.120 -4.39 -1.85 -0.532    
Total Revenue Growth % ... ... ... ... ... ...                                                       -48.5 -2.84 7.40 7.31 10.3    
Operating Cost Growth % ... ... ... ... ... ...                                                       32.3 0.810 -11.3 2.83 -9.48    
Operating Profit Growth % ... ... ... ... ... ...                                                       -64.3 -4.60 16.6 9.86 24.7    
Pre-Tax Profit Growth % ... ... ... ... ... ...                                                       -17.8 4.72 -1.94 7.20 4.78    
Net Profit Growth % ... ... ... ... ... ...                                                       -9.62 5.04 5.34 5.67 -0.331    
balance sheet Unit Sep 2009 Dec 2009 Mar 2010 Jun 2010 Sep 2010 Dec 2010 Mar 2011 Jun 2011 Sep 2011 Dec 2011 Mar 2012 Jun 2012 Sep 2012 Dec 2012 Mar 2013 Jun 2013 Sep 2013 Dec 2013 Mar 2014 Jun 2014 Sep 2014 Dec 2014 Mar 2015 Jun 2015 Sep 2015 Dec 2015 Mar 2016 Jun 2016 Sep 2016 Dec 2016 Mar 2017 Jun 2017 Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019
balance sheet                                                                                
Cash CNY mil                                                                   2,303,000 2,273,800 2,210,800 2,424,900 2,407,800    
Interbank Loans CNY mil                                                                   1,060,500 1,321,200 1,200,700 1,164,100 1,405,500    
Customer Loans CNY mil                                                                   10,644,300 10,863,300 11,135,600 11,417,000 11,515,800    
Retail Loans CNY mil ...                                                                 3,923,900 4,041,850 4,159,800 4,299,950 4,440,100    
Mortgage Loans CNY mil ...                                                                 3,061,600 3,170,250 3,278,900 3,391,250 3,503,600    
Consumer Loans CNY mil ...                                                                 862,300 871,600 880,900 908,700 936,500    
Corporate Loans CNY mil ...                                                                 6,972,700 7,022,750 7,072,800 7,096,400 7,120,000    
Debt Securities CNY mil                                                                   4,748,500 4,902,400 4,991,400 5,130,400 5,257,800    
Fixed Assets CNY mil                                                                   212,844 201,247 216,996 218,173 234,379    
Total Assets CNY mil                                                                   19,467,400 20,159,800 20,294,900 20,925,700 21,267,300    
Shareholders' Equity CNY mil                                                                   1,576,700 1,583,700 1,610,700 1,689,100 1,725,400    
Of Which Minority Interest CNY mil                                                                   80,663 79,393 83,683 110,422 112,417    
Liabilities CNY mil                                                                   17,890,700 18,576,100 18,684,200 19,236,600 19,541,900    
Interbank Borrowing CNY mil                                                                   3,091,400 2,861,100 3,086,100 3,132,100 3,606,900    
Customer Deposits CNY mil                                                                   13,657,900 14,351,100 14,352,900 14,607,900 14,883,600    
Sight Deposits CNY mil ...                                                                 6,568,600 6,715,750 6,862,900 6,988,750 7,114,600    
Issued Debt Securities CNY mil                                                                   399,557 507,862 413,528 670,108 473,309    
Other Liabilities CNY mil                                                                   741,843 856,038 831,672 826,492 578,091    
asset quality                                                                                
Non-Performing Loans CNY mil                                                                   161,144 159,647 165,811 166,835 169,259    
Gross Loans CNY mil ...                                                                 10,896,600 14,351,100 11,403,200 11,697,800 11,819,300    
Total Provisions CNY mil ...                                                                 252,254 3,487,800 267,636 280,795 303,508    
growth rates                                                                                
Customer Loan Growth % ... ... ... ...                                                           9.33 7.29 6.80 7.98 8.19    
Retail Loan Growth % ... ... ... ... ...                                                         15.3 14.1 13.1 13.1 13.2    
Mortgage Loan Growth % ... ... ... ... ...                                                         16.1 15.3 14.6 14.5 14.4    
Consumer Loan Growth % ... ... ... ... ...                                                         12.2 9.88 7.68 8.15 8.60    
Corporate Loan Growth % ... ... ... ... ...                                                         6.15 3.73 1.45 1.78 2.11    
Total Asset Growth % ... ... ... ...                                                           7.26 6.57 4.47 7.74 9.25    
Shareholders' Equity Growth % ... ... ... ...                                                           6.03 3.60 5.42 8.15 9.43    
Customer Deposit Growth % ... ... ... ...                                                           5.55 4.30 4.52 5.58 8.97    
market share                                                                                
Market Share in Customer Loans %                                                                   8.26 8.11 8.11 8.02 7.94   ...
Market Share in Total Assets % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...                 ... ... ... ... ... ... ... ... ... ...
Market Share in Customer Deposits % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...                 ... ... ... ... ... ... ... ... ... ...
ratios Unit Sep 2009 Dec 2009 Mar 2010 Jun 2010 Sep 2010 Dec 2010 Mar 2011 Jun 2011 Sep 2011 Dec 2011 Mar 2012 Jun 2012 Sep 2012 Dec 2012 Mar 2013 Jun 2013 Sep 2013 Dec 2013 Mar 2014 Jun 2014 Sep 2014 Dec 2014 Mar 2015 Jun 2015 Sep 2015 Dec 2015 Mar 2016 Jun 2016 Sep 2016 Dec 2016 Mar 2017 Jun 2017 Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019
ratios                                                                                
ROE % ... ...                                                               6.86 12.4 15.0 10.7 6.28    
ROA % ... ...                                                               0.553 0.989 1.19 0.858 0.508    
Costs (As % Of Assets) % ... ...                                                               1.03 0.875 0.678 0.862 0.857    
Costs (As % Of Income) % ... ...                                                               42.1 33.8 27.3 34.7 34.5    
Capital Adequacy Ratio % ... ...                                                               14.2 13.9 13.8 14.2 15.0    
Tier 1 Ratio % ... ...                                                               12.0 11.8 11.8 12.0 12.3    
Net Interest Margin % ... ...                                                               1.80 1.69 1.75 1.78 1.75    
Interest Spread % ... ...                                                               1.66 1.56 1.62 1.64 1.60    
Asset Yield % ... ...                                                               3.35 3.26 3.33 3.40 3.39    
Cost Of Liabilities % ... ...                                                               1.68 1.71 1.72 1.76 1.79    
Payout Ratio % ... ...                                                               0 0 0 0 0    
Interest Income (As % Of Revenues) % ... ...                                                               73.7 65.4 70.4 71.9 70.4    
Fee Income (As % Of Revenues) % ... ...                                                               15.8 20.1 17.8 15.9 14.3    
Other Income (As % Of Revenues) % ... ...                                                               10.4 14.5 11.8 12.2 15.3    
Equity (As % Of Assets) %                                                                   8.10 7.86 7.94 8.07 8.11    
Loans (As % Of Deposits) %                                                                   77.9 75.7 77.6 78.2 77.4    
Loans (As % Assets) %                                                                   54.7 53.9 54.9 54.6 54.1    
NPLs (As % Of Loans) % ...                                                                 1.48 1.11 1.45 1.43 1.43    
Provisions (As % Of NPLs) % ...                                                                 157 2,185 161 168 179    
Provisions (As % Of Loans) % ...                                                                 2.37 32.1 2.40 2.46 2.64    
Cost of Provisions (As % Of Loans) % ... ...                                                               1.30 0.576 0.595 0.958 1.71    
other data Unit Sep 2009 Dec 2009 Mar 2010 Jun 2010 Sep 2010 Dec 2010 Mar 2011 Jun 2011 Sep 2011 Dec 2011 Mar 2012 Jun 2012 Sep 2012 Dec 2012 Mar 2013 Jun 2013 Sep 2013 Dec 2013 Mar 2014 Jun 2014 Sep 2014 Dec 2014 Mar 2015 Jun 2015 Sep 2015 Dec 2015 Mar 2016 Jun 2016 Sep 2016 Dec 2016 Mar 2017 Jun 2017 Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019
other data                                                                                
Employees ...                                                                 311,133 308,394 305,655 307,887 310,119    
Sight (As % Of Customer Deposits) % ...                                                                 48.1 46.8 47.8 47.8 47.8    
On-balance Sheet Loans RMB mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...                                 10,644,300 10,863,300 11,135,600 11,417,000 11,515,800    

Get all company financials in excel:

Download Sample   $19.99

Bank of China's corporate loans rose 6.06% yoy to CNY 7,501,100 mil in 2Q2019

By Helgi Library - October 14, 2019

Bank of China's loans reached CNY 12,569,700 mil in the second quarter of 2019, up from CNY 12,260,400 mil when compared to the previous quarter and up from CNY 11,403,200 mil when compared to the same period of last year. Historically, the bank’s l...

Bank of China's npls (as % of loans) fell 2.38% yoy to 1.42% in 2Q2019

By Helgi Library - October 14, 2019

Bank of China's non-performing loans reached 1.42% of total loans at the end of 2019-06-30, down from 1.45% compared to the previous year. Historically, the NPL ratio hit an all time high of 1.49% in 2016-06-30 and an all time low of 0.928% in 2013-03-31. P...

Bank of China's net interest margin fell 3.93% yoy to 1.68% in 2Q2019

By Helgi Library - October 14, 2019

Bank of China's net interest margin amounted to 1.68% in the second quarter of 2019, up from 1.67% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 4.25% in 4Q2016 and an all time low of 0.0...

Bank of China's price/earnings (P/E) fell 18.6% yoy to 5.25 in 2Q2019

By Helgi Library - October 14, 2019

Bank of China stock traded at HKD 2.96 per share at the end second quarter of 2019 implying a market capitalization of USD 109,346 mil. Since the end of 2Q2014, the stock has appreciated by 17.1 % implying an annual average growth of 3.20 %. In absolute terms, the val...

Bank of China's market capitalisation (end of period) fell 18.2% to USD 109,346 mil in 2Q2019

By Helgi Library - October 23, 2019

Bank of China stock traded at JPY 1,645 per share at the end of second quarter of 2019 implying a market capitalization of USD 3,477 mil. Over the last five years, the stock has depreciated by 36.4 implying an annual average growth of -8.65% In absolute t...

Bank of China's share price (end of period) fell 10.0% yoy to HKD 2.96 in 2Q2019

By Helgi Library - October 14, 2019

Bank of China stock traded at HKD 2.96 per share at the end of second quarter of 2019 implying a market capitalization of USD 109,346 mil. Over the last five years, the stock has appreciated by 17.1 % implying an annual average growth of 3.20 %. In absolute terms, the...

Bank of China's equity (as % of assets) rose 7.94% yoy to 8.57% in 2Q2019

By Helgi Library - October 14, 2019

Bank of China's Equity reached 8.57% of total assets in the 2Q2019, up from 7.94% for the previous year. As a share of net customer loans, the ratio amounted to 15.6% at the end of the second quarter of 2019. ...

Bank of China's retail loan growth rose 9.22% yoy to 14.3% in 2Q2019

By Helgi Library - October 14, 2019

Bank of China's retail loans reached CNY 4,753,400 mil at the end of 2019-06-30, up 3.41% compared to the previous year. In the last decade, the average annual loan growth amounted to 0%. Overall, retail loans accounted for 38.8% of the bank's loan book at ...

Bank of China's customer loan growth rose 48.2% yoy to 10.1% in 2Q2019

By Helgi Library - October 14, 2019

Bank of China's customer loan growth reached 10.1% in 2019-06-30, up from 6.80% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 18.3% in 2010-09-30 and an all time low of 5.61% in 2015-06-30. In the last de...

Bank of China's net profit rose 4.45% to CNY 180,086 mil in 2018

By Helgi Library - October 14, 2019

Bank of China made a net profit of CNY 180,086 mil under revenues of CNY 513,493 mil in 2018, up 4.45% and 5.48% respectively compared to the previous year. Historically, the bank’s net profit reached an all time high of CNY 180,086 mil in 2018 and an all time low of ...

More News

Bank of China Logo

Finance

Bank of China has been growing its revenues and asset by 8.29% and 11.8% a year on average in the last 10 years. Its loans and deposits have grown by 13.7% and 10.9% a year during that time and loans to deposits ratio reached 77.4% at the end of 2018. The company achieved an average return on equity of 14.7% in the last decade with net profit growing 10.8% a year on average. In terms of operating efficiency, its cost to income ratio reached 32.6% in 2018, compared to 39.7% average in the last decade.

Equity represented 8.11% of total assets or 15.0% of loans at the end of 2018. Bank of China's non-performing loans were 1.43% of total loans while provisions covered some 179% of NPLs at the end of 2018.

Valuation

Bank of China stock traded at HKD 2.97 per share at the end of 2018 resulting in a market capitalization of USD 111,597 mil. Over the previous five years, stock price rose by 11.1% or 2.13% a year on average. That’s compared to an average ROE of 12.6% the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of 5.52x and price to book value (PBV) of 0.576x in 2018.

More Companies in Chinese Banking Sector

Helgi Library
Eliášova 38, Prague 6, 160 00, Czech Republic
Copyright © 2024 Helgi Library. All rights reserved.