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China Construction Bank

Construction Bank's customer deposits rose 12.7% yoy to CNY 15,601,900 mil in 4Q2016

By Helgi Library - October 10, 2019

China Construction Bank's customer deposits reached CNY 15,601,900 mil in 2016-12-31, up 2.13% compared to the previous year. C...

Construction Bank's customer deposits rose 12.7% yoy to CNY 15,601,900 mil in 4Q2016

By Helgi Library - October 10, 2019

China Construction Bank's customer deposits reached CNY 15,601,900 mil in 2016-12-31, up 2.13% compared to the previous year. C...

Construction Bank's capital adequacy ratio rose 9.08% yoy to 17.1% in 2Q2019

By Helgi Library - October 10, 2019

China Construction Bank's capital adequacy ratio reached 17.1% at the end of second quarter of 2019, down from 17.1% when compare...

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Annual Quarterly LTM

Profit Statement		2016	2017	2018
Net Interest Income	CNY mil	420,357	454,651	487,051
Net Fee Income	CNY mil	118,509	117,798	123,035
Other Income	CNY mil	78,754	64,445	64,852
Total Revenues	CNY mil	617,620	636,894	674,938
Operating Profit	CNY mil	396,686	438,401	474,125
Provisions	CNY mil	89,588	123,389	143,045
Net Profit	CNY mil	231,460	242,264	254,655

Balance Sheet		2016	2017	2018
Interbank Loans	CNY mil	858,462	708,598	1,038,500
Customer Loans	CNY mil	11,488,400	12,574,500	13,365,400
Total Assets	CNY mil	20,963,700	22,124,400	23,222,700
Shareholders' Equity	CNY mil	1,576,500	1,779,800	1,976,500
Interbank Borrowing	CNY mil	2,565,500	2,342,200	2,432,900
Customer Deposits	CNY mil	15,601,900	16,685,100	17,480,300
Issued Debt Securities	CNY mil	252,546	275,160	404,202

Ratios		2016	2017	2018
ROE	%	15.4	14.4	13.6
ROA	%	1.18	1.12	1.12
Costs (As % Of Assets)	%	1.12	0.921	0.886
Costs (As % Of Income)	%	35.8	31.2	29.8
Capital Adequacy Ratio	%	14.9	15.5	17.2
Net Interest Margin	%	2.14	2.11	2.15
Loans (As % Of Deposits)	%	73.6	75.4	76.5
NPLs (As % Of Loans)	%	1.58	1.54	1.47
Provisions (As % Of NPLs)	%	144	166	206

Valuation		2016	2017	2018
Price/Earnings (P/E)		6.44	7.43	6.34
Price/Book Value (P/BV)		0.946	1.01	0.817
Earnings Per Share (EPS)	CNY	0.926	0.969	1.02
Book Value Per Share	CNY	6.31	7.12	7.91

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summary	Unit	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018
income statement
Net Interest Income	CNY mil											353,441	389,990	437,893	458,485	420,357
Total Revenues	CNY mil											463,905	514,034	559,310	617,533	617,620
Operating Profit	CNY mil											294,029	325,849	363,322	400,547	396,686
Net Profit	CNY mil											193,179	214,657	227,830	228,145	231,460
balance sheet
Interbank Loans	CNY mil											1,032,200	754,798	788,737	974,472	858,462
Customer Loans	CNY mil											7,309,900	8,361,400	9,222,900	10,234,500	11,488,400
Debt Securities	CNY mil											2,905,100	3,450,300	3,775,800	4,358,000	5,271,400
Total Assets	CNY mil											13,972,800	15,363,200	16,744,100	18,349,500	20,963,700
Shareholders' Equity	CNY mil											941,668	1,066,000	1,241,500	1,434,000	1,576,500
Interbank Borrowing	CNY mil											1,106,400	989,042	1,479,300	2,071,200	2,565,500
Customer Deposits	CNY mil											11,444,300	12,416,800	13,139,500	13,839,300	15,601,900
Issued Debt Securities	CNY mil											161,768	163,791	191,349	244,748	252,546
ratios
ROE	%											22.0	21.4	19.7	17.1	15.4
ROA	%											1.47	1.46	1.42	1.30	1.18
Costs (As % Of Assets)	%											1.29	1.28	1.22	1.24	1.12
Costs (As % Of Income)	%											36.6	36.6	35.0	35.1	35.8
Capital Adequacy Ratio	%	...	...									14.3	13.3	14.9	15.4	14.9
Net Interest Margin	%											2.69	2.66	2.73	2.61	2.14
Interest Income (As % Of Revenues)	%											76.2	75.9	78.3	74.2	68.1
Fee Income (As % Of Revenues)	%											20.2	20.3	19.4	18.4	19.2
Equity (As % Of Assets)	%											6.74	6.94	7.41	7.81	7.52
Loans (As % Of Deposits)	%											63.9	67.3	70.2	74.0	73.6
Loans (As % Assets)	%											52.3	54.4	55.1	55.8	54.8
NPLs (As % Of Loans)	%											1.05	1.02	1.26	1.66	1.58
Provisions (As % Of NPLs)	%											257	260	210	144	144
valuation
Market Capitalisation (End Of Period)	USD mil	...	...	...								160,900	147,231	166,445	145,036	172,401
Number Of Shares (Average)	mil											250,011	250,011	250,011	250,011	250,011
Share Price (End Of Period)	HKD	...	...	...								4.99	4.57	5.16	4.50	5.35
Earnings Per Share (EPS)	CNY											0.773	0.859	0.911	0.913	0.926
Book Value Per Share	CNY											3.77	4.26	4.97	5.74	6.31
Price/Earnings (P/E)		...	...	...								8.03	6.81	7.08	5.88	6.44
Price/Book Value (P/BV)		...	...	...								1.65	1.37	1.30	0.936	0.946
Earnings Per Share Growth	%	...										14.1	11.1	6.14	0.138	1.45
Book Value Per Share Growth	%	...										16.1	13.2	16.5	15.5	9.94

income statement	Unit	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018
income statement
Interest Income	CNY mil											603,480	646,699	739,621	771,292	699,195
Interest Cost	CNY mil											250,039	256,709	301,728	312,807	278,838
Net Interest Income	CNY mil											353,441	389,990	437,893	458,485	420,357
Net Fee Income	CNY mil											93,507	104,283	108,517	113,530	118,509
Other Income	CNY mil											16,957	19,761	12,900	45,518	78,754
Total Revenues	CNY mil											463,905	514,034	559,310	617,533	617,620
Operating Cost	CNY mil											169,876	188,185	195,988	216,986	220,934
Operating Profit	CNY mil											294,029	325,849	363,322	400,547	396,686
Provisions	CNY mil											38,330	42,666	59,264	92,610	89,588
Extra and Other Cost	CNY mil											4,260	3,377	4,972	9,440	11,888
Pre-Tax Profit	CNY mil											251,439	279,806	299,086	298,497	295,210
Tax	CNY mil											57,837	64,684	70,839	69,611	62,821
Minorities	CNY mil											423	465	417	741	929
Net Profit	CNY mil											193,179	214,657	227,830	228,145	231,460
growth rates
Net Interest Income Growth	%	...										16.0	10.3	12.3	4.70	-8.32
Net Fee Income Growth	%	...										7.49	11.5	4.06	4.62	4.39
Total Revenue Growth	%	...										16.1	10.8	8.81	10.4	0.014
Operating Cost Growth	%	...										17.5	10.8	4.15	10.7	1.82
Operating Profit Growth	%	...										15.3	10.8	11.5	10.2	-0.964
Pre-Tax Profit Growth	%	...										14.8	11.3	6.89	-0.197	-1.10
Net Profit Growth	%	...										14.1	11.1	6.14	0.138	1.45
market share
Market Share in Revenues	%	...	...	...	...	...	...	...	...			14.7	14.4	13.3	13.3	13.1		...
Market Share in Net Profit	%	...	...	...	...	...						12.8	...	...	...	...	...	...
Market Share in Employees	%	...	...	...	...	...	...	...	...		...	...	...	...	...	...	...	...

balance sheet	Unit	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018
balance sheet
Cash	CNY mil											2,458,100	2,475,000	2,610,800	2,401,500	2,849,300
Interbank Loans	CNY mil											1,032,200	754,798	788,737	974,472	858,462
Customer Loans	CNY mil											7,309,900	8,361,400	9,222,900	10,234,500	11,488,400
Retail Loans	CNY mil											2,051,100	2,504,800	2,935,800	3,532,000	4,338,300
Mortgage Loans	CNY mil	...	...	...	...	...	...	...				1,544,000	1,896,200	2,273,100	2,797,200	3,585,600
Consumer Loans	CNY mil	...	...	...	...	...	...	...				507,100	608,600	662,700	734,800	752,700
Corporate Loans	CNY mil											5,461,200	6,085,200	6,538,700	6,953,200	6,360,000
Debt Securities	CNY mil											2,905,100	3,450,300	3,775,800	4,358,000	5,271,400
Fixed Assets	CNY mil											133,890	155,072	172,053	179,005	190,383
Total Assets	CNY mil											13,972,800	15,363,200	16,744,100	18,349,500	20,963,700
Shareholders' Equity	CNY mil											941,668	1,066,000	1,241,500	1,434,000	1,576,500
Of Which Minority Interest	CNY mil											7,877	8,378	10,338	11,063	13,154
Liabilities	CNY mil											13,031,100	14,297,200	15,502,600	16,915,500	19,387,200
Interbank Borrowing	CNY mil											1,106,400	989,042	1,479,300	2,071,200	2,565,500
Customer Deposits	CNY mil											11,444,300	12,416,800	13,139,500	13,839,300	15,601,900
Sight Deposits	CNY mil											5,923,700	6,692,800	6,318,500	6,873,300	8,228,800
Term Deposits	CNY mil											5,520,600	5,724,000	6,821,000	6,966,000	7,373,100
Issued Debt Securities	CNY mil											161,768	163,791	191,349	244,748	252,546
Other Liabilities	CNY mil											318,664	727,567	692,451	760,252	967,254
asset quality
Non-Performing Loans	CNY mil											78,873	87,961	119,802	174,564	186,121
Gross Loans	CNY mil											7,512,300	8,590,100	9,474,500	10,485,100	11,757,000
Total Provisions	CNY mil											202,433	228,696	251,613	250,617	268,677
growth rates
Customer Loan Growth	%	...										15.6	14.4	10.3	11.0	12.3
Retail Loan Growth	%	...										20.3	22.1	17.2	20.3	22.8
Mortgage Loan Growth	%	...	...	...	...	...	...	...	...			16.1	22.8	19.9	23.1	28.2
Consumer Loan Growth	%	...	...	...	...	...	...	...	...			35.1	20.0	8.89	10.9	2.44
Corporate Loan Growth	%	...										14.0	11.4	7.45	6.34	-8.53
Total Asset Growth	%	...										13.8	9.95	8.99	9.59	14.2
Shareholders' Equity Growth	%	...										16.1	13.2	16.5	15.5	9.94
Customer Deposit Growth	%	...										14.0	8.50	5.82	5.33	12.7
market share
Market Share in Customer Loans	%	...										10.9	10.5	10.2	9.74	9.85
Market Share in Total Assets	%	...										10.5	10.1	9.72	9.21	9.10
Market Share in Customer Deposits	%	...										12.1	29.8	29.0	24.3	22.0

ratios	Unit	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018
ratios
ROE	%											22.0	21.4	19.7	17.1	15.4
ROA	%											1.47	1.46	1.42	1.30	1.18
Costs (As % Of Assets)	%											1.29	1.28	1.22	1.24	1.12
Costs (As % Of Income)	%											36.6	36.6	35.0	35.1	35.8
Capital Adequacy Ratio	%	...	...									14.3	13.3	14.9	15.4	14.9
Tier 1 Ratio	%	...	...									11.3	10.8	12.1	13.3	13.2
Net Interest Margin	%											2.69	2.66	2.73	2.61	2.14
Interest Spread	%	...										2.56	2.53	2.58	2.47	2.02
Asset Yield	%											4.60	4.41	4.61	4.40	3.56
Cost Of Liabilities	%	...										2.04	1.88	2.03	1.93	1.54
Interest Income (As % Of Revenues)	%											76.2	75.9	78.3	74.2	68.1
Fee Income (As % Of Revenues)	%											20.2	20.3	19.4	18.4	19.2
Other Income (As % Of Revenues)	%											3.66	3.84	2.31	7.37	12.8
Equity (As % Of Assets)	%											6.74	6.94	7.41	7.81	7.52
Loans (As % Of Deposits)	%											63.9	67.3	70.2	74.0	73.6
Loans (As % Assets)	%											52.3	54.4	55.1	55.8	54.8
NPLs (As % Of Loans)	%											1.05	1.02	1.26	1.66	1.58
Provisions (As % Of NPLs)	%											257	260	210	144	144
Provisions (As % Of Loans)	%											2.77	2.74	2.73	2.45	2.34
Cost of Provisions (As % Of Loans)	%											0.562	0.545	0.674	0.952	0.825

other data	Unit	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018
other data
Employees		...	...									348,955	368,410	372,321	369,183	362,482
Sight (As % Of Customer Deposits)	%											51.8	53.9	48.1	49.7	52.7
On-balance Sheet Loans	RMB mil	...	...	...	...	...	...	...	...	...	...	...	8,361,400	9,222,900	10,234,500	11,488,400

Institutional Sign In

China Construction Bank

Construction Bank's customer deposits rose 12.7% yoy to CNY 15,601,900 mil in 4Q2016

Construction Bank's customer deposits rose 12.7% yoy to CNY 15,601,900 mil in 4Q2016

Construction Bank's capital adequacy ratio rose 9.08% yoy to 17.1% in 2Q2019

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Construction Bank's capital adequacy ratio rose 9.08% yoy to 17.1% in 2Q2019

Construction Bank's net profit rose 5.55% yoy to CNY 77,274 mil in 2Q2019

Construction Bank's net profit rose 5.55% yoy to CNY 77,274 mil in 2Q2019

Construction Bank's market capitalisation (end of period) rose 2.52% to USD 189,398 mil in 2Q2019

Construction Bank's market capitalisation (end of period) rose 2.52% to USD 189,398 mil in 2Q2019

Construction Bank's npls (as % of loans) fell 4.24% yoy to 1.44% in 2Q2019

Construction Bank's npls (as % of loans) fell 4.24% yoy to 1.44% in 2Q2019

Construction Bank's share price (end of period) fell 3.33% yoy to HKD 5.92 in 2Q2019

Construction Bank's share price (end of period) fell 3.33% yoy to HKD 5.92 in 2Q2019

Construction Bank's net interest margin fell 1.38% yoy to 2.07% in 2Q2019

Finance

Valuation

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