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China Everbright Bank

Everbright Bank's net profit rose 18.7% yoy to CNY 10,711 mil in 2Q2019

By Helgi Library - October 11, 2019

China Everbright Bank made a net profit of CNY 10,711 mil under revenues of CNY 32,467 mil in the second quarter of 2019, up 18.7% an...

Everbright Bank's net profit rose 18.7% yoy to CNY 10,711 mil in 2Q2019

By Helgi Library - October 11, 2019

China Everbright Bank made a net profit of CNY 10,711 mil under revenues of CNY 32,467 mil in the second quarter of 2019, up 18.7% an...

Everbright Bank's corporate loans rose 15.8% yoy to CNY 1,464,500 mil in 2Q2019

By Helgi Library - October 11, 2019

China Everbright Bank's loans reached CNY 2,602,500 mil in the second quarter of 2019, up from CNY 2,509,700 mil when compar...

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Annual Quarterly LTM

Profit Statement		2016	2017	2018
Net Interest Income	CNY mil	65,288	60,950	61,043
Net Fee Income	CNY mil	28,112	30,774	36,894
Other Income	CNY mil	1,451	1,866	14,252
Total Revenues	CNY mil	94,851	93,590	112,189
Operating Profit	CNY mil	64,110	62,552	78,763
Provisions	CNY mil	22,111	19,700	34,345
Net Profit	CNY mil	30,329	31,545	33,659

Balance Sheet		2016	2017	2018
Interbank Loans	CNY mil	425,935	285,011	175,463
Customer Loans	CNY mil	1,751,600	1,980,800	2,361,300
Total Assets	CNY mil	4,020,000	4,088,200	4,357,300
Shareholders' Equity	CNY mil	251,068	305,436	322,473
Interbank Borrowing	CNY mil	1,154,100	962,326	1,215,600
Customer Deposits	CNY mil	2,120,900	2,567,100	2,581,700
Issued Debt Securities	CNY mil	412,500	150,939	164,844

Ratios		2016	2017	2018
ROE	%	12.8	11.3	10.7
ROA	%	0.844	0.778	0.797
Costs (As % Of Assets)	%	0.855	0.766	0.792
Costs (As % Of Income)	%	32.4	33.2	29.8
Capital Adequacy Ratio	%	10.8	13.5	13.0
Net Interest Margin	%	1.82	1.50	1.45
Loans (As % Of Deposits)	%	82.6	77.2	91.5
NPLs (As % Of Loans)	%	1.62	2.59	1.61
Provisions (As % Of NPLs)	%	150	97.5	154

Valuation		2016	2017	2018
Price/Earnings (P/E)		6.52	7.60	6.57
Price/Book Value (P/BV)		0.788	0.785	0.685
Earnings Per Share (EPS)	CNY	0.650	0.676	0.641
Book Value Per Share	CNY	5.38	6.54	6.14

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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											50,263	50,865	58,259	66,463	65,288
Total Revenues	CNY mil											60,555	66,363	80,117	93,439	94,851
Operating Profit	CNY mil											37,787	39,573	49,830	60,535	64,110
Net Profit	CNY mil											23,591	26,715	28,883	29,528	30,329
balance sheet
Interbank Loans	CNY mil											413,724	360,626	459,731	371,717	425,935
Customer Loans	CNY mil											997,331	1,142,100	1,271,400	1,475,400	1,751,600
Debt Securities	CNY mil	...	...									478,384	493,057	588,544	903,871	1,318,100
Total Assets	CNY mil											2,279,300	2,415,100	2,737,000	3,167,700	4,020,000
Shareholders' Equity	CNY mil											114,322	153,052	179,483	224,047	251,068
Interbank Borrowing	CNY mil											625,051	552,585	625,743	675,084	1,154,100
Customer Deposits	CNY mil											1,426,900	1,607,800	1,822,100	2,148,200	2,120,900
Issued Debt Securities	CNY mil											52,700	39,700	52,900	55,700	412,500
ratios
ROE	%											22.4	20.0	17.4	14.6	12.8
ROA	%											1.18	1.14	1.12	1.00	0.844
Costs (As % Of Assets)	%											1.13	1.14	1.18	1.11	0.855
Costs (As % Of Income)	%											37.6	40.4	37.8	35.2	32.4
Capital Adequacy Ratio	%	...	...	...								11.0	10.6	11.2	11.9	10.8
Net Interest Margin	%											2.51	2.17	2.26	2.25	1.82
Interest Income (As % Of Revenues)	%											83.0	76.6	72.7	71.1	68.8
Fee Income (As % Of Revenues)	%											15.7	22.5	23.9	28.1	29.6
Equity (As % Of Assets)	%											5.02	6.34	6.56	7.07	6.25
Loans (As % Of Deposits)	%											69.9	71.0	69.8	68.7	82.6
Loans (As % Assets)	%											43.8	47.3	46.5	46.6	43.6
NPLs (As % Of Loans)	%	...	...									0.768	0.898	1.57	2.43	1.62
Provisions (As % Of NPLs)	%	...	...									329	231	137	104	150
valuation
Market Capitalisation (End Of Period)	USD mil	...	...	...	...	...	...	...	...			15,912	15,876	28,048	24,576	22,873
Number Of Shares (Average)	mil											40,435	40,611	46,646	46,679	46,679
Share Price (End Of Period)	HKD	...	...	...	...	...	...	...	...			3.05	3.03	4.66	4.08	3.80
Earnings Per Share (EPS)	CNY											0.583	0.658	0.619	0.633	0.650
Book Value Per Share	CNY											2.83	3.77	3.85	4.80	5.38
Price/Earnings (P/E)		...	...	...	...	...	...	...	...			6.50	5.90	9.41	7.70	6.52
Price/Book Value (P/BV)		...	...	...	...	...	...	...	...			1.34	1.03	1.51	1.02	0.788
Earnings Per Share Growth	%	...										30.6	12.8	-5.87	2.16	2.71
Book Value Per Share Growth	%	...										18.9	33.3	2.10	24.7	12.1

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											103,971	120,085	133,926	141,911	143,450
Interest Cost	CNY mil											53,708	69,220	75,667	75,448	78,162
Net Interest Income	CNY mil											50,263	50,865	58,259	66,463	65,288
Net Fee Income	CNY mil											9,479	14,952	19,157	26,301	28,112
Other Income	CNY mil											813	546	2,701	675	1,451
Total Revenues	CNY mil											60,555	66,363	80,117	93,439	94,851
Operating Cost	CNY mil											22,768	26,790	30,287	32,904	30,741
Operating Profit	CNY mil											37,787	39,573	49,830	60,535	64,110
Provisions	CNY mil											5,690	4,336	9,981	19,724	22,111
Extra and Other Cost	CNY mil											507	816	1,295	1,453	1,819
Pre-Tax Profit	CNY mil											31,590	34,421	38,554	39,358	40,180
Tax	CNY mil											7,970	7,667	9,626	9,781	9,792
Minorities	CNY mil						...	...				29.0	39.0	45.0	49.0	59.0
Net Profit	CNY mil											23,591	26,715	28,883	29,528	30,329
growth rates
Net Interest Income Growth	%	...										27.4	1.20	14.5	14.1	-1.77
Net Fee Income Growth	%	...										35.9	57.7	28.1	37.3	6.89
Total Revenue Growth	%	...										30.3	9.59	20.7	16.6	1.51
Operating Cost Growth	%	...										23.6	17.7	13.1	8.64	-6.57
Operating Profit Growth	%	...										34.8	4.73	25.9	21.5	5.91
Pre-Tax Profit Growth	%	...										30.5	8.96	12.0	2.09	2.09
Net Profit Growth	%	...										30.6	13.2	8.12	2.23	2.71
market share
Market Share in Revenues	%	...	...	...	...	...	...	...	...			1.91	1.85	1.91	2.01	2.02		...
Market Share in Net Profit	%	...	...	...	...	...						1.56	...	...	...	...	...	...
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											285,478	312,643	354,185	326,735	381,620
Interbank Loans	CNY mil											413,724	360,626	459,731	371,717	425,935
Customer Loans	CNY mil											997,331	1,142,100	1,271,400	1,475,400	1,751,600
Retail Loans	CNY mil	...	...	...	...	...						311,454	391,372	458,385	525,020	663,131
Mortgage Loans	CNY mil	...	...	...	...	...	...	...				154,550	176,979	199,167	237,772	290,114
Consumer Loans	CNY mil	...	...	...	...	...	...	...				156,904	214,393	259,218	287,248	373,017
Corporate Loans	CNY mil	...	...	...	...	...						711,733	774,938	841,070	988,523	1,132,100
Debt Securities	CNY mil	...	...									478,384	493,057	588,544	903,871	1,318,100
Fixed Assets	CNY mil											13,810	14,673	15,246	14,873	16,459
Total Assets	CNY mil											2,279,300	2,415,100	2,737,000	3,167,700	4,020,000
Shareholders' Equity	CNY mil											114,322	153,052	179,483	224,047	251,068
Of Which Minority Interest	CNY mil											144	213	508	554	613
Liabilities	CNY mil											2,164,980	2,262,050	2,557,520	2,943,650	3,768,930
Interbank Borrowing	CNY mil											625,051	552,585	625,743	675,084	1,154,100
Customer Deposits	CNY mil											1,426,900	1,607,800	1,822,100	2,148,200	2,120,900
Sight Deposits	CNY mil	...	...	...								554,928	497,585	562,607	625,513	812,023
Term Deposits	CNY mil	...	...	...								871,972	1,110,220	1,259,490	1,522,690	1,308,880
Issued Debt Securities	CNY mil											52,700	39,700	52,900	55,700	412,500
Other Liabilities	CNY mil											60,327	61,963	56,774	64,669	81,432
asset quality
Non-Performing Loans	CNY mil	...	...									7,857	10,469	20,461	36,738	29,091
Gross Loans	CNY mil											1,023,200	1,166,300	1,299,500	1,513,500	1,795,300
Total Provisions	CNY mil											25,856	24,172	28,025	38,119	43,634
growth rates
Customer Loan Growth	%	...										14.8	14.5	11.3	16.0	18.7
Retail Loan Growth	%	...	...	...	...	...	...					33.4	25.7	17.1	14.5	26.3
Mortgage Loan Growth	%	...	...	...	...	...	...	...	...			18.7	14.5	12.5	19.4	22.0
Consumer Loan Growth	%	...	...	...	...	...	...	...	...			52.0	36.6	20.9	10.8	29.9
Corporate Loan Growth	%	...	...	...	...	...	...					8.43	8.88	8.53	17.5	14.5
Total Asset Growth	%	...										31.5	5.96	13.3	15.7	26.9
Shareholders' Equity Growth	%	...										18.9	33.9	17.3	24.8	12.1
Customer Deposit Growth	%	...										16.5	12.7	13.3	17.9	-1.27
market share
Market Share in Customer Loans	%	...										1.48	1.43	1.41	1.40	1.50
Market Share in Total Assets	%	...										1.71	1.58	1.59	1.59	1.74
Market Share in Customer Deposits	%	...										1.51	3.86	4.03	3.77	2.99

ratios	Unit	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018
ratios
ROE	%											22.4	20.0	17.4	14.6	12.8
ROA	%											1.18	1.14	1.12	1.00	0.844
Costs (As % Of Assets)	%											1.13	1.14	1.18	1.11	0.855
Costs (As % Of Income)	%											37.6	40.4	37.8	35.2	32.4
Capital Adequacy Ratio	%	...	...	...								11.0	10.6	11.2	11.9	10.8
Tier 1 Ratio	%	...	...	...								8.00	9.11	9.34	10.2	9.34
Net Interest Margin	%											2.51	2.17	2.26	2.25	1.82
Interest Spread	%	...										2.36	1.99	2.06	2.06	1.66
Asset Yield	%											5.18	5.12	5.20	4.81	3.99
Cost Of Liabilities	%	...										2.83	3.13	3.14	2.74	2.33
Interest Income (As % Of Revenues)	%											83.0	76.6	72.7	71.1	68.8
Fee Income (As % Of Revenues)	%											15.7	22.5	23.9	28.1	29.6
Other Income (As % Of Revenues)	%											1.34	0.823	3.37	0.722	1.53
Equity (As % Of Assets)	%											5.02	6.34	6.56	7.07	6.25
Loans (As % Of Deposits)	%											69.9	71.0	69.8	68.7	82.6
Loans (As % Assets)	%											43.8	47.3	46.5	46.6	43.6
NPLs (As % Of Loans)	%	...	...									0.768	0.898	1.57	2.43	1.62
Provisions (As % Of NPLs)	%	...	...									329	231	137	104	150
Provisions (As % Of Loans)	%											2.59	2.12	2.20	2.58	2.49
Cost of Provisions (As % Of Loans)	%											0.610	0.405	0.827	1.44	1.37

other data	Unit	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018
other data
Employees		...	...									32,000	36,290	39,015	40,319	42,426
Sight (As % Of Customer Deposits)	%	...	...	...								38.9	30.9	30.9	29.1	38.3
On-balance Sheet Loans	RMB mil	...	...	...	...	...	...	...	...	...	...	...	1,142,100	1,271,400	1,475,400	1,751,600

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China Everbright Bank

Everbright Bank's net profit rose 18.7% yoy to CNY 10,711 mil in 2Q2019

Everbright Bank's net profit rose 18.7% yoy to CNY 10,711 mil in 2Q2019

Everbright Bank's corporate loans rose 15.8% yoy to CNY 1,464,500 mil in 2Q2019

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Inpost - Stock Price & Market Capitalization

Everbright Bank's corporate loans rose 15.8% yoy to CNY 1,464,500 mil in 2Q2019

Everbright Bank's market capitalisation (end of period) fell 1.20% to USD 25,606 mil in 2Q2019

Everbright Bank's market capitalisation (end of period) fell 1.20% to USD 25,606 mil in 2Q2019

Everbright Bank's net interest income rose 35.2% yoy to CNY 24,950 mil in 2Q2019

Everbright Bank's net interest income rose 35.2% yoy to CNY 24,950 mil in 2Q2019

Everbright Bank's net interest margin rose 24.5% yoy to 2.18% in 2Q2019

Everbright Bank's price/earnings (P/E) fell 9.47% yoy to 6.31 in 2Q2019

Everbright Bank's price/earnings (P/E) fell 9.47% yoy to 6.31 in 2Q2019

Everbright Bank's customer deposits fell 1.27% yoy to CNY 2,120,900 mil in 4Q2016

Everbright Bank's customer deposits fell 1.27% yoy to CNY 2,120,900 mil in 4Q2016

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