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Shanghai Pudong Development Bank

Shanghai Pudong's customer deposits rose 18.9% yoy to CNY 3,512,460 mil in 4Q2016

By Helgi Library - October 11, 2019

Shanghai Pudong Development Bank's customer deposits reached CNY 3,512,460 mil in 2016-12-31, up 17.3% compared to the previous year....

Shanghai Pudong's npls (as % of loans) fell 11.5% yoy to 1.84% in 2Q2019

By Helgi Library - October 11, 2019

Shanghai Pudong Development Bank's non-performing loans reached 1.84% of total loans at the end of 2019-06-30, down from 2.08% co...

Shanghai Pudong's market capitalisation (end of period) rose 4.08% to USD 43,897 mil in 2Q2019

By Helgi Library - October 23, 2019

Shanghai Pudong Development Bank stock traded at JPY 1,645 per share at the end of second quarter of 2019 implying a market capitalizati...

Annual Quarterly LTM
Profit Statement Dec 2018 Mar 2019 Jun 2019
Net Interest Income CNY mil 31,035 31,446 32,818
Net Fee Income CNY mil 9,038 11,976 10,714
Other Income CNY mil 6,666 9,024 6,357
Total Revenues CNY mil 46,739 52,446 49,889
Operating Profit CNY mil 31,568 39,696 38,865
Provisions CNY mil 14,758 18,009 17,552
Net Profit CNY mil 12,707 16,459 15,647
Balance Sheet Dec 2018 Mar 2019 Jun 2019
Interbank Loans CNY mil 248,108 254,989 270,097
Customer Loans CNY mil 3,455,490 3,521,180 3,621,480
Total Assets CNY mil 6,289,610 6,549,580 6,659,910
Shareholders' Equity CNY mil 478,380 495,580 499,670
Interbank Borrowing CNY mil 1,591,870 1,537,190 2,085,870
Customer Deposits CNY mil 3,867,880 3,566,770 3,697,530
Issued Debt Securities CNY mil 226,876 800,357 218,181
Ratios Dec 2018 Mar 2019 Jun 2019
ROE % 10.8 13.5 12.6
ROA % 0.821 1.03 0.948
Costs (As % Of Assets) % 0.980 0.794 0.668
Costs (As % Of Income) % 32.5 24.3 22.1
Capital Adequacy Ratio % 13.7 13.5 13.1
Net Interest Margin % 2.01 1.96 1.99
Loans (As % Of Deposits) % 89.3 98.7 97.9
NPLs (As % Of Loans) % 1.93 1.88 1.84
Provisions (As % Of NPLs) % 153 142 136
Valuation Dec 2018 Mar 2019 Jun 2019
Price/Earnings (P/E) 5.85 6.67 6.56
Price/Book Value (P/BV) 0.684 0.782 0.780
Dividend Yield % 0 0 0
Earnings Per Share (EPS) CNY 1.90 1.98 2.03
Book Value Per Share CNY 16.3 16.9 17.0
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 ... ...                                                               28,012 25,772 25,525 29,512 31,035    
Total Revenues CNY mil ... ...                                                               44,182 40,729 44,431 46,732 46,739    
Operating Profit CNY mil ... ...                                                               30,679 30,576 32,787 35,776 31,568    
Net Profit CNY mil ... ...                                                               12,366 14,305 14,264 14,638 12,707    
balance sheet                                                                                
Interbank Loans CNY mil                                                                   191,161 217,589 184,635 232,218 248,108    
Customer Loans CNY mil                                                                   3,103,850 3,139,520 3,244,920 3,355,470 3,455,490    
Debt Securities CNY mil                                                                   2,114,960 2,018,090 1,978,480 1,792,140 406,143    
Total Assets CNY mil                                                                   6,137,240 6,132,990 6,091,760 6,089,190 6,289,610    
Shareholders' Equity CNY mil                                                                   430,985 434,813 447,419 462,034 478,380    
Interbank Borrowing CNY mil                                                                   1,819,950 1,638,830 1,569,030 1,405,650 1,591,870    
Customer Deposits CNY mil                                                                   3,548,380 3,175,680 3,685,830 3,274,610 3,867,880    
Issued Debt Securities CNY mil                                                                   175,855 649,673 175,601 745,588 226,876    
ratios                                                                                
ROE % ... ...                                                               11.6 13.2 12.9 12.9 10.8    
ROA % ... ...                                                               0.811 0.933 0.933 0.961 0.821    
Costs (As % Of Assets) % ... ...                                                               0.885 0.662 0.762 0.720 0.980    
Costs (As % Of Income) % ... ...                                                               30.6 24.9 26.2 23.4 32.5    
Capital Adequacy Ratio % ... ...                                                               12.0 12.0 12.2 13.6 13.7    
Net Interest Margin % ... ...                                                               1.84 1.68 1.67 1.94 2.01    
Interest Income (As % Of Revenues) % ... ...                                                               63.4 63.3 57.4 63.2 66.4    
Fee Income (As % Of Revenues) % ... ...                                                               22.7 26.0 20.9 21.6 19.3    
Equity (As % Of Assets) %                                                                   7.02 7.09 7.34 7.59 7.61    
Loans (As % Of Deposits) %                                                                   87.5 98.9 88.0 102 89.3    
Loans (As % Assets) %                                                                   50.6 51.2 53.3 55.1 54.9    
NPLs (As % Of Loans) % ...                                                                 2.17 2.13 2.08 1.97 1.93    
Provisions (As % Of NPLs) % ...                                                                 131 152 145 152 153    
valuation                                                                                
Market Capitalisation (End Of Period) USD mil ... ...                                                               47,317 43,561 35,746 39,811 36,737    
Number Of Shares (Average) mil ... ...                                                               29,274 29,352 29,352 29,352 29,352    
Share Price (End Of Period) CNY ... ...                                                               12.6 11.7 9.56 10.6 9.80    
Earnings Per Share (EPS) CNY ... ...                                                               1.85 1.84 1.86 1.89 1.90    
Book Value Per Share CNY ... ...                                                               14.7 14.8 15.2 15.7 16.3    
Dividend Per Share CNY ... ...                                                               0 0 0 0 0    
Price/Earnings (P/E) ... ...                                                               8.17 7.89 6.09 6.39 5.85    
Price/Book Value (P/BV) ... ...                                                               1.03 0.981 0.744 0.769 0.684    
Dividend Yield % ... ...                                                               0 0 0 0 0    
Earnings Per Share Growth % ... ... ... ... ... ...                                                       -1.90 -3.43 18.2 -0.301 2.78    
Book Value Per Share Growth % ... ... ... ... ... ...                                                       10.9 8.06 34.4 6.50 10.7    
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 ... ...                                                               65,460 66,216 66,407 67,173 67,692    
Interest Cost CNY mil ... ...                                                               37,448 40,444 40,882 37,661 36,657    
Net Interest Income CNY mil ... ...                                                               28,012 25,772 25,525 29,512 31,035    
Net Fee Income CNY mil ... ...                                                               10,029 10,580 9,280 10,111 9,038    
Other Income CNY mil ... ...                                                               6,141 4,377 9,626 7,109 6,666    
Total Revenues CNY mil ... ...                                                               44,182 40,729 44,431 46,732 46,739    
Operating Cost CNY mil ... ...                                                               13,503 10,153 11,644 10,956 15,171    
Operating Profit CNY mil ... ...                                                               30,679 30,576 32,787 35,776 31,568    
Provisions CNY mil ... ...                                                               13,135 12,173 14,309 17,143 14,758    
Extra and Other Cost CNY mil ... ...                                                               2,459 1,297 1,423 1,901 2,419    
Pre-Tax Profit CNY mil ... ...                                                               15,085 17,106 17,055 16,732 14,391    
Tax CNY mil ... ...                                                               2,479 2,647 2,614 1,968 1,540    
Minorities CNY mil ... ...                                                               240 154 177 126 144    
Net Profit CNY mil ... ...                                                               12,366 14,305 14,264 14,638 12,707    
growth rates                                                                                
Net Interest Income Growth % ... ... ... ... ... ...                                                       6.63 -2.82 0.953 8.91 10.8    
Net Fee Income Growth % ... ... ... ... ... ...                                                       4.99 -13.2 -22.4 -11.3 -9.88    
Total Revenue Growth % ... ... ... ... ... ...                                                       6.09 -6.01 7.56 9.49 5.79    
Operating Cost Growth % ... ... ... ... ... ...                                                       12.4 1.51 18.7 4.33 12.4    
Operating Profit Growth % ... ... ... ... ... ...                                                       3.53 -8.27 4.10 11.2 2.90    
Pre-Tax Profit Growth % ... ... ... ... ... ...                                                       -7.37 -10.0 -3.83 -7.00 -4.60    
Net Profit Growth % ... ... ... ... ... ...                                                       -0.411 -1.09 4.09 6.64 2.76    
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                                                                   486,531 467,266 428,359 438,348 443,723    
Interbank Loans CNY mil                                                                   191,161 217,589 184,635 232,218 248,108    
Customer Loans CNY mil                                                                   3,103,850 3,139,520 3,244,920 3,355,470 3,455,490    
Retail Loans CNY mil ...                                                                 1,242,130 1,290,950 1,339,760 1,411,490 1,483,230    
Mortgage Loans CNY mil ...                                                                 505,135 529,080 553,026 571,007 588,988    
Consumer Loans CNY mil ...                                                                 736,996 761,866 786,735 840,488 894,240    
Corporate Loans CNY mil ...                                                                 1,952,470 1,979,170 2,005,880 2,035,930 2,065,980    
Debt Securities CNY mil                                                                   2,114,960 2,018,090 1,978,480 1,792,140 406,143    
Fixed Assets CNY mil                                                                   35,420 36,389 41,888 42,145 43,435    
Total Assets CNY mil                                                                   6,137,240 6,132,990 6,091,760 6,089,190 6,289,610    
Shareholders' Equity CNY mil                                                                   430,985 434,813 447,419 462,034 478,380    
Of Which Minority Interest CNY mil                                                                   5,581 6,593 6,564 6,666 6,818    
Liabilities CNY mil                                                                   5,706,260 5,698,180 5,644,340 5,627,160 5,811,230    
Interbank Borrowing CNY mil                                                                   1,819,950 1,638,830 1,569,030 1,405,650 1,591,870    
Customer Deposits CNY mil                                                                   3,548,380 3,175,680 3,685,830 3,274,610 3,867,880    
Sight Deposits CNY mil ...                                                                 1,470,640 1,483,120 1,495,600 1,479,820 1,464,040    
Issued Debt Securities CNY mil                                                                   175,855 649,673 175,601 745,588 226,876    
Other Liabilities CNY mil                                                                   162,072 233,993 213,877 201,313 124,601    
asset quality                                                                                
Non-Performing Loans CNY mil                                                                   69,287 69,196 69,672 68,325 68,748    
Gross Loans CNY mil ...                                                                 3,194,600 3,244,820 3,345,640 3,459,560 3,560,910    
Total Provisions CNY mil ...                                                                 90,747 105,298 100,714 104,097 105,421    
growth rates                                                                                
Customer Loan Growth % ... ... ... ...                                                           16.1 10.5 10.8 12.1 11.3    
Retail Loan Growth % ... ... ... ... ...                                                         28.0 20.7 14.7 17.1 19.4    
Mortgage Loan Growth % ... ... ... ... ...                                                         10.2 9.33 8.51 12.5 16.6    
Consumer Loan Growth % ... ... ... ... ...                                                         43.9 30.1 19.4 20.4 21.3    
Corporate Loan Growth % ... ... ... ... ...                                                         8.92 8.40 7.90 6.83 5.81    
Total Asset Growth % ... ... ... ...                                                           4.78 4.13 2.98 0.418 2.48    
Shareholders' Equity Growth % ... ... ... ...                                                           15.6 12.9 14.1 9.31 11.0    
Customer Deposit Growth % ... ... ... ...                                                           1.02 2.52 -0.139 4.99 9.00    
market share                                                                                
Market Share in Customer Loans %                                                                   2.41 2.35 2.36 2.36 2.38   ...
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 % ... ...                                                               11.6 13.2 12.9 12.9 10.8    
ROA % ... ...                                                               0.811 0.933 0.933 0.961 0.821    
Costs (As % Of Assets) % ... ...                                                               0.885 0.662 0.762 0.720 0.980    
Costs (As % Of Income) % ... ...                                                               30.6 24.9 26.2 23.4 32.5    
Capital Adequacy Ratio % ... ...                                                               12.0 12.0 12.2 13.6 13.7    
Tier 1 Ratio % ... ...                                                               10.2 10.1 10.4 10.7 10.8    
Net Interest Margin % ... ...                                                               1.84 1.68 1.67 1.94 2.01    
Interest Spread % ... ...                                                               1.65 1.48 1.46 1.74 1.81    
Asset Yield % ... ...                                                               4.29 4.32 4.35 4.41 4.37    
Cost Of Liabilities % ... ...                                                               2.64 2.84 2.88 2.67 2.56    
Payout Ratio % ... ...                                                               0 0 0 0 0    
Interest Income (As % Of Revenues) % ... ...                                                               63.4 63.3 57.4 63.2 66.4    
Fee Income (As % Of Revenues) % ... ...                                                               22.7 26.0 20.9 21.6 19.3    
Other Income (As % Of Revenues) % ... ...                                                               13.9 10.7 21.7 15.2 14.3    
Equity (As % Of Assets) %                                                                   7.02 7.09 7.34 7.59 7.61    
Loans (As % Of Deposits) %                                                                   87.5 98.9 88.0 102 89.3    
Loans (As % Assets) %                                                                   50.6 51.2 53.3 55.1 54.9    
NPLs (As % Of Loans) % ...                                                                 2.17 2.13 2.08 1.97 1.93    
Provisions (As % Of NPLs) % ...                                                                 131 152 145 152 153    
Provisions (As % Of Loans) % ...                                                                 2.92 3.35 3.10 3.10 3.05    
Cost of Provisions (As % Of Loans) % ... ...                                                               1.72 1.56 1.79 2.08 1.73    
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 ...                                                                 54,263 53,407 52,551 54,122 55,692    
Sight (As % Of Customer Deposits) % ...                                                                 41.4 46.7 40.6 45.2 37.9    
On-balance Sheet Loans RMB mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...                                 3,103,850 3,139,520 3,244,920 3,355,470 3,455,490    

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Shanghai Pudong's capital adequacy ratio rose 6.79% yoy to 13.1% in 2Q2019

By Helgi Library - October 11, 2019

Shanghai Pudong Development Bank's capital adequacy ratio reached 13.1% at the end of second quarter of 2019, down from 13.5% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 13.7% in 4Q2018 and an all time low of ...

Shanghai Pudong's corporate loans rose 5.35% yoy to CNY 2,113,130 mil in 2Q2019

By Helgi Library - October 11, 2019

Shanghai Pudong Development Bank's loans reached CNY 3,714,900 mil in the second quarter of 2019, up from CNY 3,617,530 mil when compared to the previous quarter and up from CNY 3,345,640 mil when compared to the same period of last year. Historically...

Shanghai Pudong's price/earnings (P/E) rose 7.69% yoy to 6.56 in 2Q2019

By Helgi Library - October 11, 2019

Shanghai Pudong Development Bank stock traded at CNY 11.7 per share at the end second quarter of 2019 implying a market capitalization of USD 43,897 mil. Since the end of 2Q2014, the stock has appreciated by 84.6 % implying an annual average growth of 13.0 %. In absol...

Shanghai Pudong's net interest margin rose 19.0% yoy to 1.99% in 2Q2019

By Helgi Library - October 11, 2019

Shanghai Pudong Development Bank's net interest margin amounted to 1.99% in the second quarter of 2019, up from 1.96% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 2.68% in 4Q2011 and an all t...

Shanghai Pudong's net interest income rose 28.6% yoy to CNY 32,818 mil in 2Q2019

By Helgi Library - October 11, 2019

Shanghai Pudong Development Bank generated total banking revenues of CNY 49,889 mil in the second quarter of 2019, up 12.3% when compared to the same period of last year and down 4.88% when compared to the previous quarter. Historically, the bank’...

Shanghai Pudong's share price (end of period) rose 22.2% yoy to CNY 11.7 in 2Q2019

By Helgi Library - October 11, 2019

Shanghai Pudong Development Bank stock traded at CNY 11.7 per share at the end of second quarter of 2019 implying a market capitalization of USD 43,897 mil. Over the last five years, the stock has appreciated by 84.6 % implying an annual average growth of 13.0 %. In a...

Shanghai Pudong's equity (as % of assets) rose 2.15% yoy to 7.50% in 2Q2019

By Helgi Library - October 11, 2019

Shanghai Pudong Development Bank'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. ...

Shanghai Pudong's customer loan growth rose 7.86% yoy to 11.6% in 2Q2019

By Helgi Library - October 11, 2019

Shanghai Pudong Development Bank's customer loan growth reached 11.6% in 2019-06-30, up from 10.8% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 25.7% in 2017-03-31 and an all time low of 9.97% in 2015-12-31. ...

Shanghai Pudong's retail loan growth rose 33.4% yoy to 19.6% in 2Q2019

By Helgi Library - October 11, 2019

Shanghai Pudong Development Bank's retail loans reached CNY 1,601,760 mil at the end of 2019-06-30, up 3.84% compared to the previous year. In the last decade, the average annual loan growth amounted to 0%. Overall, retail loans accounted for 44.2% of the b...

Shanghai Pudong's net interest margin rose 0.974% to 1.80% in 2018

By Helgi Library - October 11, 2019

Shanghai Pudong Development Bank's net interest margin amounted to 1.80% in 2018, up from 1.78% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 3.02% in 2007 and an all time low of 1.78% in 2017. T...

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Shanghai Pudong Development Bank Logo

Finance

Shanghai Pudong Development Bank has been growing its revenues and asset by 17.7% and 17.0% a year on average in the last 10 years. Its loans and deposits have grown by 17.6% and 15.1% a year during that time and loans to deposits ratio reached 89.3% at the end of 2018. The company achieved an average return on equity of 18.5% in the last decade with net profit growing 16.1% a year on average. In terms of operating efficiency, its cost to income ratio reached 26.8% in 2018, compared to 32.9% average in the last decade.

Equity represented 7.61% of total assets or 13.8% of loans at the end of 2018. Shanghai Pudong Development Bank's non-performing loans were 1.93% of total loans while provisions covered some 153% of NPLs at the end of 2018.

Valuation

Shanghai Pudong Development Bank stock traded at CNY 9.80 per share at the end of 2018 resulting in a market capitalization of USD 36,737 mil. Over the previous five years, stock price rose by 48.6% or 8.25% a year on average. That’s compared to an average ROE of 15.7% the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of 5.85x and price to book value (PBV) of 0.684x in 2018.

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