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Industrial & Commercial Bank of China

ICBC's net profit rose 5.25% yoy to CNY 85,926 mil in 2Q2019

By Helgi Library - October 10, 2019

Industrial & Commercial Bank of China made a net profit of CNY 85,926 mil under revenues of CNY 194,236 mil in the second quarter of 2019...

ICBC's customer deposits rose 9.59% yoy to CNY 18,043,700 mil in 4Q2016

By Helgi Library - October 10, 2019

Industrial & Commercial Bank of China's customer deposits reached CNY 18,043,700 mil in 2016-12-31, up 0.504% compared to the pre...

ICBC's market capitalisation (end of period) rose 6.32% to USD 305,560 mil in 2Q2019

By Helgi Library - October 23, 2019

Industrial & Commercial Bank of China stock traded at JPY 1,645 per share at the end of second quarter of 2019 implying a market cap...

Annual Quarterly LTM
Profit Statement Dec 2018 Mar 2019 Jun 2019
Net Interest Income CNY mil 148,975 148,190 151,111
Net Fee Income CNY mil 31,562 46,136 42,365
Other Income CNY mil 7,558 44,639 760
Total Revenues CNY mil 188,095 238,965 194,236
Operating Profit CNY mil 116,037 164,837 148,111
Provisions CNY mil 39,366 58,274 33,622
Net Profit CNY mil 58,049 82,005 85,926
Balance Sheet Dec 2018 Mar 2019 Jun 2019
Interbank Loans CNY mil 1,696,500 1,945,000 1,909,800
Customer Loans CNY mil 15,046,100 15,529,600 15,854,200
Total Assets CNY mil 27,699,500 29,246,600 29,990,500
Shareholders' Equity CNY mil 2,344,900 2,429,000 2,428,900
Interbank Borrowing CNY mil 2,329,800 2,324,400 2,467,600
Customer Deposits CNY mil 21,750,300 22,917,200 23,487,400
Issued Debt Securities CNY mil 617,842 693,186 775,410
Ratios Dec 2018 Mar 2019 Jun 2019
ROE % 10.0 13.7 14.2
ROA % 0.831 1.15 1.16
Costs (As % Of Assets) % 1.03 1.04 0.623
Costs (As % Of Income) % 38.3 31.0 23.7
Capital Adequacy Ratio % 15.4 15.5 15.8
Net Interest Margin % 2.13 2.08 2.04
Loans (As % Of Deposits) % 69.2 67.8 67.5
NPLs (As % Of Loans) % 1.64 1.51 1.59
Provisions (As % Of NPLs) % 148 168 161
Valuation Dec 2018 Mar 2019 Jun 2019
Price/Earnings (P/E) 8.20 8.77 8.89
Price/Book Value (P/BV) 1.04 1.09 1.12
Dividend Yield % 0 0 0
Earnings Per Share (EPS) CNY 0.835 0.844 0.856
Book Value Per Share CNY 6.58 6.82 6.81
Dividend Per Share CNY 0 0 0

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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 ... ...                                                               137,927 137,012 140,604 146,014 148,975    
Total Revenues CNY mil ... ...                                                               174,208 187,236 182,574 182,326 188,095    
Operating Profit CNY mil ... ...                                                               115,158 143,140 138,084 132,584 116,037    
Net Profit CNY mil ... ...                                                               58,050 78,802 81,640 79,185 58,049    
balance sheet                                                                                
Interbank Loans CNY mil                                                                   1,834,200 1,437,400 1,594,400 1,949,500 1,696,500    
Customer Loans CNY mil                                                                   13,893,000 14,175,900 14,536,100 14,860,800 15,046,100    
Debt Securities CNY mil                                                                   5,756,700 6,153,800 6,257,700 6,552,800 6,754,700    
Total Assets CNY mil                                                                   26,087,000 26,493,800 27,303,100 28,198,100 27,699,500    
Shareholders' Equity CNY mil                                                                   2,141,100 2,184,900 2,192,200 2,280,900 2,344,900    
Interbank Borrowing CNY mil                                                                   2,753,300 2,413,500 2,480,800 2,597,900 2,329,800    
Customer Deposits CNY mil                                                                   19,486,600 20,440,100 21,094,100 21,624,900 21,750,300    
Issued Debt Securities CNY mil                                                                   526,940 531,712 579,235 605,576 617,842    
ratios                                                                                
ROE % ... ...                                                               10.9 14.6 14.9 14.2 10.0    
ROA % ... ...                                                               0.896 1.20 1.21 1.14 0.831    
Costs (As % Of Assets) % ... ...                                                               0.911 0.671 0.662 0.717 1.03    
Costs (As % Of Income) % ... ...                                                               33.9 23.6 24.4 27.3 38.3    
Capital Adequacy Ratio % ... ...                                                               15.1 15.1 14.7 14.8 15.4    
Net Interest Margin % ... ...                                                               2.13 2.08 2.09 2.10 2.13    
Interest Income (As % Of Revenues) % ... ...                                                               79.2 73.2 77.0 80.1 79.2    
Fee Income (As % Of Revenues) % ... ...                                                               18.4 22.2 20.6 18.9 16.8    
Equity (As % Of Assets) %                                                                   8.21 8.25 8.03 8.09 8.47    
Loans (As % Of Deposits) %                                                                   71.3 69.4 68.9 68.7 69.2    
Loans (As % Assets) %                                                                   53.3 53.5 53.2 52.7 54.3    
NPLs (As % Of Loans) %                                                                   1.65 1.54 1.65 1.53 1.64    
Provisions (As % Of NPLs) %                                                                   145 174 162 172 148    
valuation                                                                                
Market Capitalisation (End Of Period) USD mil ... ...                                                               339,432 345,072 286,420 299,345 274,041    
Number Of Shares (Average) mil ... ...                                                               356,407 356,407 356,407 356,407 356,407    
Share Price (End Of Period) HKD ... ...                                                               7.44 7.60 6.31 6.58 6.02    
Earnings Per Share (EPS) CNY ... ...                                                               0.803 0.811 0.823 0.835 0.835    
Book Value Per Share CNY ... ...                                                               6.01 6.13 6.15 6.40 6.58    
Dividend Per Share CNY ... ...                                                               0 0 0 0 0    
Price/Earnings (P/E) ... ...                                                               11.1 11.7 9.08 8.97 8.20    
Price/Book Value (P/BV) ... ...                                                               1.49 1.55 1.22 1.17 1.04    
Dividend Yield % ... ...                                                               0 0 0 0 0    
Earnings Per Share Growth % ... ... ... ... ... ...                                                       2.80 3.51 4.44 5.02 4.06    
Book Value Per Share Growth % ... ... ... ... ... ...                                                       8.07 6.84 7.96 8.56 9.52    
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 ... ...                                                               224,962 225,637 231,170 243,243 248,131    
Interest Cost CNY mil ... ...                                                               87,035 88,625 90,566 97,229 99,156    
Net Interest Income CNY mil ... ...                                                               137,927 137,012 140,604 146,014 148,975    
Net Fee Income CNY mil ... ...                                                               31,982 41,613 37,647 34,479 31,562    
Other Income CNY mil ... ...                                                               4,299 8,611 4,323 1,833 7,558    
Total Revenues CNY mil ... ...                                                               174,208 187,236 182,574 182,326 188,095    
Operating Cost CNY mil ... ...                                                               59,050 44,096 44,490 49,742 72,058    
Operating Profit CNY mil ... ...                                                               115,158 143,140 138,084 132,584 116,037    
Provisions CNY mil ... ...                                                               35,980 39,048 38,504 30,429 39,366    
Extra and Other Cost CNY mil ... ...                                                               7,296 2,446 4,010 2,848 781    
Pre-Tax Profit CNY mil ... ...                                                               71,882 101,646 95,570 99,307 75,890    
Tax CNY mil ... ...                                                               13,517 22,577 13,982 19,844 17,287    
Minorities CNY mil ... ...                                                               315 267 -52.0 278 554    
Net Profit CNY mil ... ...                                                               58,050 78,802 81,640 79,185 58,049    
growth rates                                                                                
Net Interest Income Growth % ... ... ... ... ... ...                                                       14.5 12.3 9.04 9.60 8.01    
Net Fee Income Growth % ... ... ... ... ... ...                                                       2.42 1.60 5.42 11.3 -1.31    
Total Revenue Growth % ... ... ... ... ... ...                                                       7.75 8.66 5.91 4.71 7.97    
Operating Cost Growth % ... ... ... ... ... ...                                                       -3.79 14.2 6.99 5.65 22.0    
Operating Profit Growth % ... ... ... ... ... ...                                                       14.8 7.06 5.56 4.36 0.763    
Pre-Tax Profit Growth % ... ... ... ... ... ...                                                       -2.09 2.88 -2.18 3.16 5.58    
Net Profit Growth % ... ... ... ... ... ...                                                       4.68 3.98 5.74 5.57 -0.002    
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                                                                   3,613,900 3,639,300 3,818,500 3,720,400 3,372,600    
Interbank Loans CNY mil                                                                   1,834,200 1,437,400 1,594,400 1,949,500 1,696,500    
Customer Loans CNY mil                                                                   13,893,000 14,175,900 14,536,100 14,860,800 15,046,100    
Retail Loans CNY mil                                                                   4,945,500 5,135,800 5,313,000 5,496,400 5,636,600    
Corporate Loans CNY mil                                                                   9,288,000 9,432,200 9,621,200 9,767,500 9,783,300    
Debt Securities CNY mil                                                                   5,756,700 6,153,800 6,257,700 6,552,800 6,754,700    
Fixed Assets CNY mil                                                                   265,934 242,904 276,712 276,861 307,868    
Total Assets CNY mil                                                                   26,087,000 26,493,800 27,303,100 28,198,100 27,699,500    
Shareholders' Equity CNY mil                                                                   2,141,100 2,184,900 2,192,200 2,280,900 2,344,900    
Of Which Minority Interest CNY mil                                                                   13,565 13,395 13,602 13,898 14,882    
Liabilities CNY mil                                                                   23,945,900 24,308,900 25,110,900 25,917,200 25,354,600    
Interbank Borrowing CNY mil                                                                   2,753,300 2,413,500 2,480,800 2,597,900 2,329,800    
Customer Deposits CNY mil                                                                   19,486,600 20,440,100 21,094,100 21,624,900 21,750,300    
Sight Deposits CNY mil                                                                   9,890,200 9,862,100 10,391,000 10,257,000 10,336,300    
Term Deposits CNY mil                                                                   9,596,400 10,578,000 10,703,100 11,367,900 11,414,000    
Issued Debt Securities CNY mil                                                                   526,940 531,712 579,235 605,576 617,842    
Other Liabilities CNY mil                                                                   1,179,060 923,588 956,765 1,088,820 656,658    
asset quality                                                                                
Non-Performing Loans CNY mil                                                                   234,780 225,023 246,175 234,042 253,179    
Gross Loans CNY mil                                                                   14,233,400 14,568,000 14,934,100 15,263,900 15,419,900    
Total Provisions CNY mil                                                                   340,482 392,126 397,996 403,186 373,773    
growth rates                                                                                
Customer Loan Growth % ... ... ... ...                                                           8.82 6.84 7.28 7.93 8.30    
Retail Loan Growth % ... ... ... ...                                                           17.9 17.0 16.1 15.0 14.0    
Corporate Loan Growth % ... ... ... ...                                                           4.82 2.70 3.56 4.85 5.33    
Total Asset Growth % ... ... ... ...                                                           8.08 6.38 7.01 9.44 6.18    
Shareholders' Equity Growth % ... ... ... ...                                                           8.07 6.84 7.96 8.56 9.52    
Customer Deposit Growth % ... ... ... ...                                                           8.00 8.76 9.58 10.3 11.6    
market share                                                                                
Market Share in Customer Loans %                                                                   10.8 10.6 10.6 10.4 10.4   ...
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 % ... ...                                                               10.9 14.6 14.9 14.2 10.0    
ROA % ... ...                                                               0.896 1.20 1.21 1.14 0.831    
Costs (As % Of Assets) % ... ...                                                               0.911 0.671 0.662 0.717 1.03    
Costs (As % Of Income) % ... ...                                                               33.9 23.6 24.4 27.3 38.3    
Capital Adequacy Ratio % ... ...                                                               15.1 15.1 14.7 14.8 15.4    
Tier 1 Ratio % ... ...                                                               13.3 13.1 12.8 12.9 13.5    
Net Interest Margin % ... ...                                                               2.13 2.08 2.09 2.10 2.13    
Interest Spread % ... ...                                                               2.01 1.96 1.97 1.98 2.00    
Asset Yield % ... ...                                                               3.47 3.43 3.44 3.51 3.55    
Cost Of Liabilities % ... ...                                                               1.46 1.47 1.47 1.52 1.55    
Payout Ratio % ... ...                                                               0 0 0 0 0    
Interest Income (As % Of Revenues) % ... ...                                                               79.2 73.2 77.0 80.1 79.2    
Fee Income (As % Of Revenues) % ... ...                                                               18.4 22.2 20.6 18.9 16.8    
Other Income (As % Of Revenues) % ... ...                                                               2.47 4.60 2.37 1.01 4.02    
Equity (As % Of Assets) %                                                                   8.21 8.25 8.03 8.09 8.47    
Loans (As % Of Deposits) %                                                                   71.3 69.4 68.9 68.7 69.2    
Loans (As % Assets) %                                                                   53.3 53.5 53.2 52.7 54.3    
NPLs (As % Of Loans) %                                                                   1.65 1.54 1.65 1.53 1.64    
Provisions (As % Of NPLs) %                                                                   145 174 162 172 148    
Provisions (As % Of Loans) %                                                                   2.45 2.77 2.74 2.71 2.48    
Cost of Provisions (As % Of Loans) % ... ...                                                               1.04 1.11 1.07 0.828 1.05    
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 ...                                                                 453,048 448,108 443,169 446,232 449,296    
Sight (As % Of Customer Deposits) %                                                                   50.8 48.2 49.3 47.4 47.5    
On-balance Sheet Loans RMB mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...                                 13,893,000 14,175,900 14,536,100 14,860,800 15,046,100    

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ICBC's capital adequacy ratio rose 6.92% yoy to 15.8% in 2Q2019

By Helgi Library - October 10, 2019

Industrial & Commercial Bank of China's capital adequacy ratio reached 15.8% at the end of second quarter of 2019, up from 15.5% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 15.8% in 2Q2019 and an all time lo...

ICBC's npls (as % of loans) fell 3.47% yoy to 1.59% in 2Q2019

By Helgi Library - October 10, 2019

Industrial & Commercial Bank of China's non-performing loans reached 1.59% of total loans at the end of 2019-06-30, down from 1.65% compared to the previous year. Historically, the NPL ratio hit an all time high of 1.73% in 2016-12-31 and an all time low of 0...

ICBC's share price (end of period) rose 6.14% yoy to HKD 6.70 in 2Q2019

By Helgi Library - October 10, 2019

Industrial & Commercial Bank of China stock traded at HKD 6.70 per share at the end of second quarter of 2019 implying a market capitalization of USD 305,560 mil. Over the last five years, the stock has appreciated by 57.8 % implying an annual average growth of 9....

ICBC's net interest margin fell 2.40% yoy to 2.04% in 2Q2019

By Helgi Library - October 10, 2019

Industrial & Commercial Bank of China's net interest margin amounted to 2.04% in the second quarter of 2019, down from 2.08% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 3.80% in 4Q2015 a...

ICBC's price/earnings (P/E) fell 2.14% yoy to 8.89 in 2Q2019

By Helgi Library - October 10, 2019

Industrial & Commercial Bank of China stock traded at HKD 6.70 per share at the end second quarter of 2019 implying a market capitalization of USD 305,560 mil. Since the end of 2Q2014, the stock has appreciated by 57.8 % implying an annual average growth of 9.56 %...

ICBC's net interest income rose 7.47% yoy to CNY 151,111 mil in 2Q2019

By Helgi Library - October 10, 2019

Industrial & Commercial Bank of China generated total banking revenues of CNY 194,236 mil in the second quarter of 2019, up 6.39% when compared to the same period of last year and down 18.7% when compared to the previous quarter. Historically, t...

ICBC's equity (as % of assets) rose 0.869% yoy to 8.10% in 2Q2019

By Helgi Library - October 10, 2019

Industrial & Commercial Bank of China's Equity reached 7.25% of total assets in the 2Q2019, up from 7.16% for the previous year. As a share of net customer loans, the ratio amounted to 13.9% at the end of the second quarter of 2019. ...

ICBC's customer loan growth rose 24.5% yoy to 9.07% in 2Q2019

By Helgi Library - October 10, 2019

Industrial & Commercial Bank of China's customer loan growth reached 9.07% in 2019-06-30, up from 7.28% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 18.6% in 2010-12-31 and an all time low of 6.84% in 2018-0...

ICBC's net profit rose 4.10% to CNY 293,170 mil in 2018

By Helgi Library - October 10, 2019

Industrial & Commercial Bank of China made a net profit of CNY 293,170 mil under revenues of CNY 740,231 mil in 2018, up 4.10% and 6.81% respectively compared to the previous year. Historically, the bank’s net profit reached an all time high of CNY 293,170 mil in 201...

ICBC's capital adequacy ratio rose 1.65% to 15.4% in 2018

By Helgi Library - October 10, 2019

Industrial & Commercial Bank of China's capital adequacy ratio reached 15.4% at the end of 2018, up from 15.1% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 15.4% in 2018 and an all time low of 9.89% in 2005. ...

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Industrial & Commercial Bank of China Logo

Finance

Industrial & Commercial Bank of China has been growing its revenues and asset by 9.73% and 11.0% a year on average in the last 10 years. Its loans and deposits have grown by 13.0% and 10.2% a year during that time and loans to deposits ratio reached 69.2% at the end of 2018. The company achieved an average return on equity of 18.8% in the last decade with net profit growing 10.2% a year on average. In terms of operating efficiency, its cost to income ratio reached 28.4% in 2018, compared to 33.1% average in the last decade.

Equity represented 8.41% of total assets or 15.5% of loans at the end of 2018. Industrial & Commercial Bank of China's non-performing loans were 1.64% of total loans while provisions covered some 148% of NPLs at the end of 2018.

Valuation

Industrial & Commercial Bank of China stock traded at HKD 5.52 per share at the end of 2018 resulting in a market capitalization of USD 251,260 mil. Over the previous five years, stock price rose by 5.54% or 1.09% a year on average. That’s compared to an average ROE of 15.5% the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of 7.64x and price to book value (PBV) of 0.961x in 2018.

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