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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 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...

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Annual Quarterly LTM

Profit Statement		2016	2017	2018
Net Interest Income	CNY mil	472,189	522,406	572,747
Net Fee Income	CNY mil	144,973	139,625	145,301
Other Income	CNY mil	41,963	31,008	22,183
Total Revenues	CNY mil	659,125	693,039	740,231
Operating Profit	CNY mil	465,936	506,707	529,845
Provisions	CNY mil	86,138	124,096	147,347
Net Profit	CNY mil	273,799	281,612	293,170

Balance Sheet		2016	2017	2018
Interbank Loans	CNY mil	1,553,100	1,834,200	1,696,500
Customer Loans	CNY mil	12,767,300	13,893,000	15,046,100
Total Assets	CNY mil	24,137,300	26,087,000	27,699,500
Shareholders' Equity	CNY mil	1,969,800	2,127,500	2,330,000
Interbank Borrowing	CNY mil	2,606,700	2,753,300	2,329,800
Customer Deposits	CNY mil	18,043,700	19,486,600	21,750,300
Issued Debt Securities	CNY mil	357,937	526,940	617,842

Ratios		2016	2017	2018
ROE	%	14.6	13.7	13.2
ROA	%	1.18	1.12	1.09
Costs (As % Of Assets)	%	0.834	0.742	0.782
Costs (As % Of Income)	%	29.3	26.9	28.4
Capital Adequacy Ratio	%	14.6	15.1	15.4
Net Interest Margin	%	2.04	2.08	2.13
Loans (As % Of Deposits)	%	70.8	71.3	69.2
NPLs (As % Of Loans)	%	1.73	1.65	1.64
Provisions (As % Of NPLs)	%	128	145	148

Valuation		2016	2017	2018
Price/Earnings (P/E)		6.75	9.55	7.64
Price/Book Value (P/BV)		0.939	1.26	0.961
Earnings Per Share (EPS)	CNY	0.768	0.790	0.823
Book Value Per Share	CNY	5.53	5.97	6.54

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summary	Unit	2000	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018
income statement
Net Interest Income	CNY mil													417,877	443,436	493,522	508,022	472,189
Total Revenues	CNY mil													537,795	590,306	647,554	684,890	659,125
Operating Profit	CNY mil													347,758	386,108	428,872	463,944	465,936
Net Profit	CNY mil													238,532	262,649	275,811	274,800	273,799
balance sheet
Interbank Loans	CNY mil													1,181,000	1,049,900	1,251,200	1,680,100	1,553,100
Customer Loans	CNY mil													8,583,300	9,681,400	10,768,800	11,652,800	12,767,300
Debt Securities	CNY mil													4,083,900	4,322,200	4,433,200	5,010,000	5,481,200
Total Assets	CNY mil													17,542,200	18,917,800	20,610,000	22,209,800	24,137,300
Shareholders' Equity	CNY mil													1,125,000	1,274,100	1,530,900	1,789,500	1,969,800
Interbank Borrowing	CNY mil													1,725,700	1,569,300	1,920,800	2,603,300	2,606,700
Customer Deposits	CNY mil													13,680,900	14,751,400	15,732,800	16,465,300	18,043,700
Issued Debt Securities	CNY mil													232,186	253,018	279,590	306,622	357,937
ratios
ROE	%													22.9	21.9	19.7	16.6	14.6
ROA	%													1.44	1.44	1.40	1.28	1.18
Costs (As % Of Assets)	%													1.15	1.12	1.11	1.03	0.834
Costs (As % Of Income)	%													35.3	34.6	33.8	32.3	29.3
Capital Adequacy Ratio	%	...	...	...	...	...								13.7	13.1	14.5	15.2	14.6
Net Interest Margin	%													2.53	2.43	2.50	2.37	2.04
Interest Income (As % Of Revenues)	%													77.7	75.1	76.2	74.2	71.6
Fee Income (As % Of Revenues)	%													19.7	20.7	20.5	20.9	22.0
Equity (As % Of Assets)	%													6.41	6.73	7.43	8.06	8.16
Loans (As % Of Deposits)	%													62.7	65.6	68.4	70.8	70.8
Loans (As % Assets)	%													48.9	51.2	52.3	52.5	52.9
NPLs (As % Of Loans)	%	...	...	...										0.950	1.01	1.20	1.60	1.73
Provisions (As % Of NPLs)	%	...	...	...										264	240	194	147	128
valuation
Market Capitalisation (End Of Period)	USD mil	...	...	...	...	...	...							254,287	240,399	265,217	215,210	213,734
Number Of Shares (Average)	mil	...	...	...	...	...	...							356,407	356,407	356,407	356,407	356,407
Share Price (End Of Period)	HKD	...	...	...	...	...	...							5.53	5.23	5.77	4.68	4.65
Earnings Per Share (EPS)	CNY	...	...	...	...	...	...							0.669	0.737	0.774	0.771	0.768
Book Value Per Share	CNY	...	...	...	...	...	...							3.16	3.57	4.30	5.02	5.53
Price/Earnings (P/E)		...	...	...	...	...	...							10.3	9.09	9.32	7.25	6.75
Price/Book Value (P/BV)		...	...	...	...	...	...							2.18	1.87	1.68	1.11	0.939
Earnings Per Share Growth	%	...	...	...	...	...	...	...						14.5	10.1	5.01	-0.367	-0.364
Book Value Per Share Growth	%	...												17.6	13.3	20.2	16.9	10.1

income statement	Unit	2000	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018
income statement
Interest Income	CNY mil													721,488	767,212	849,879	871,934	791,823
Interest Cost	CNY mil													303,611	323,776	356,357	363,912	319,634
Net Interest Income	CNY mil													417,877	443,436	493,522	508,022	472,189
Net Fee Income	CNY mil													106,064	122,326	132,497	143,391	144,973
Other Income	CNY mil													13,854	24,544	21,535	33,477	41,963
Total Revenues	CNY mil													537,795	590,306	647,554	684,890	659,125
Operating Cost	CNY mil													190,037	204,198	218,682	220,946	193,189
Operating Profit	CNY mil													347,758	386,108	428,872	463,944	465,936
Provisions	CNY mil													32,572	38,098	56,267	86,022	86,138
Extra and Other Cost	CNY mil													6,499	9,473	10,993	14,687	16,519
Pre-Tax Profit	CNY mil													308,687	338,537	361,612	363,235	363,279
Tax	CNY mil													69,996	75,572	85,326	85,515	84,173
Minorities	CNY mil													159	316	475	589	857
Net Profit	CNY mil													238,532	262,649	275,811	274,800	273,799
growth rates
Net Interest Income Growth	%	...												15.2	6.12	11.3	2.94	-7.05
Net Fee Income Growth	%	...												4.45	15.3	8.31	8.22	1.10
Total Revenue Growth	%	...												12.7	9.76	9.70	5.77	-3.76
Operating Cost Growth	%	...												12.0	7.45	7.09	1.04	-12.6
Operating Profit Growth	%	...												13.0	11.0	11.1	8.18	0.429
Pre-Tax Profit Growth	%	...												13.4	9.67	6.82	0.449	0.012
Net Profit Growth	%	...												14.5	10.1	5.01	-0.367	-0.364
market share
Market Share in Revenues	%	...	...	...	...	...	...	...	...	...	...			17.0	16.5	15.4	14.7	14.0		...
Market Share in Net Profit	%	...	...	...	...	...	...	...						15.8	...	...	...	...	...	...
Market Share in Employees	%	...	...	...	...	...	...	...	...	...	...		...	...	...	...	...	...	...	...

balance sheet	Unit	2000	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018
balance sheet
Cash	CNY mil													3,174,900	3,294,000	3,523,600	3,059,600	3,350,800
Interbank Loans	CNY mil													1,181,000	1,049,900	1,251,200	1,680,100	1,553,100
Customer Loans	CNY mil													8,583,300	9,681,400	10,768,800	11,652,800	12,767,300
Retail Loans	CNY mil	...	...	...	...	...	...							2,287,100	2,727,600	3,063,500	3,541,900	4,196,200
Corporate Loans	CNY mil	...	...	...	...	...	...							6,332,600	7,046,500	7,612,600	7,869,600	8,860,700
Debt Securities	CNY mil													4,083,900	4,322,200	4,433,200	5,010,000	5,481,200
Fixed Assets	CNY mil													156,810	185,386	219,779	244,182	265,473
Total Assets	CNY mil													17,542,200	18,917,800	20,610,000	22,209,800	24,137,300
Shareholders' Equity	CNY mil													1,125,000	1,274,100	1,530,900	1,789,500	1,969,800
Of Which Minority Interest	CNY mil													3,462	4,329	6,445	11,045	11,412
Liabilities	CNY mil													16,417,200	17,643,700	19,079,100	20,420,300	22,167,500
Interbank Borrowing	CNY mil													1,725,700	1,569,300	1,920,800	2,603,300	2,606,700
Customer Deposits	CNY mil													13,680,900	14,751,400	15,732,800	16,465,300	18,043,700
Sight Deposits	CNY mil	...	...	...										6,793,300	7,033,600	7,288,600	7,898,200	8,992,100
Term Deposits	CNY mil	...	...	...										6,887,600	7,717,800	8,444,200	8,567,100	9,051,600
Issued Debt Securities	CNY mil													232,186	253,018	279,590	306,622	357,937
Other Liabilities	CNY mil													778,414	1,069,980	1,145,910	1,045,080	1,159,160
asset quality
Non-Performing Loans	CNY mil	...	...	...										83,612	100,544	132,802	190,883	225,615
Gross Loans	CNY mil													8,803,700	9,922,400	11,026,300	11,933,500	13,056,800
Total Provisions	CNY mil													220,403	240,959	257,581	280,654	289,512
growth rates
Customer Loan Growth	%	...												13.0	12.8	11.2	8.21	9.56
Retail Loan Growth	%	...	...	...	...	...	...	...						14.9	19.3	12.3	15.6	18.5
Corporate Loan Growth	%	...	...	...	...	...	...	...						21.4	11.3	8.03	3.38	12.6
Total Asset Growth	%	...												13.3	7.84	8.95	7.76	8.68
Shareholders' Equity Growth	%	...												17.6	13.3	20.2	16.9	10.1
Customer Deposit Growth	%	...												11.2	7.82	6.65	4.66	9.59
market share
Market Share in Customer Loans	%	...	...	...										12.8	12.2	11.9	11.1	10.9
Market Share in Total Assets	%	...	...	...										13.1	12.4	12.0	11.2	10.5
Market Share in Customer Deposits	%	...	...	...										14.5	35.4	34.8	28.9	25.4

ratios	Unit	2000	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018
ratios
ROE	%													22.9	21.9	19.7	16.6	14.6
ROA	%													1.44	1.44	1.40	1.28	1.18
Costs (As % Of Assets)	%													1.15	1.12	1.11	1.03	0.834
Costs (As % Of Income)	%													35.3	34.6	33.8	32.3	29.3
Capital Adequacy Ratio	%	...	...	...	...	...								13.7	13.1	14.5	15.2	14.6
Tier 1 Ratio	%	...	...	...	...	...								10.6	10.6	12.2	13.5	13.4
Net Interest Margin	%													2.53	2.43	2.50	2.37	2.04
Interest Spread	%	...												2.41	2.31	2.36	2.23	1.92
Asset Yield	%													4.37	4.21	4.30	4.07	3.42
Cost Of Liabilities	%	...												1.96	1.90	1.94	1.84	1.50
Interest Income (As % Of Revenues)	%													77.7	75.1	76.2	74.2	71.6
Fee Income (As % Of Revenues)	%													19.7	20.7	20.5	20.9	22.0
Other Income (As % Of Revenues)	%													2.58	4.16	3.33	4.89	6.37
Equity (As % Of Assets)	%													6.41	6.73	7.43	8.06	8.16
Loans (As % Of Deposits)	%													62.7	65.6	68.4	70.8	70.8
Loans (As % Assets)	%													48.9	51.2	52.3	52.5	52.9
NPLs (As % Of Loans)	%	...	...	...										0.950	1.01	1.20	1.60	1.73
Provisions (As % Of NPLs)	%	...	...	...										264	240	194	147	128
Provisions (As % Of Loans)	%													2.57	2.49	2.39	2.41	2.27
Cost of Provisions (As % Of Loans)	%													0.403	0.417	0.550	0.767	0.705

other data	Unit	2000	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018
other data
Employees		...	...	...										427,356	441,902	462,282	466,346	461,749
Sight (As % Of Customer Deposits)	%	...	...	...										49.7	47.7	46.3	48.0	49.8
On-balance Sheet Loans	RMB mil	...	...	...	...	...	...	...	...	...	...	...	...	...	9,681,400	10,768,800	11,652,800	12,767,300

Institutional Sign In

Industrial & Commercial Bank of China

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

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

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

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

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

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

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

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

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

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

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

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

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

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