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Ping An Bank

Ping An's net profit rose 17.4% yoy to CNY 7,957 mil in 2Q2019

By Helgi Library - October 11, 2019

Ping An Bank made a net profit of CNY 7,957 mil under revenues of CNY 37,529 mil in the second quarter of 2019, up 17.4% and ...

Ping An's net profit rose 17.4% yoy to CNY 7,957 mil in 2Q2019

By Helgi Library - October 11, 2019

Ping An Bank made a net profit of CNY 7,957 mil under revenues of CNY 37,529 mil in the second quarter of 2019, up 17.4% and ...

Ping An's market capitalisation (end of period) rose 8.04% to USD 30,296 mil in 2Q2019

By Helgi Library - October 23, 2019

Ping An Bank stock traded at JPY 1,645 per share at the end of second quarter of 2019 implying a market capitalization of USD 3,477 ...

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Annual Quarterly LTM

Profit Statement		2016	2017	2018
Net Interest Income	CNY mil	76,411	74,009	74,745
Net Fee Income	CNY mil	27,859	30,674	31,297
Other Income	CNY mil	6,186	4,325	18,650
Total Revenues	CNY mil	110,456	109,008	124,692
Operating Profit	CNY mil	79,040	76,370	83,939
Provisions	CNY mil	45,435	40,803	43,657
Net Profit	CNY mil	22,599	23,189	24,818

Balance Sheet		2016	2017	2018
Interbank Loans	CNY mil	273,208	231,157	195,017
Customer Loans	CNY mil	1,435,870	1,660,420	1,949,760
Total Assets	CNY mil	2,953,430	3,248,470	3,418,590
Shareholders' Equity	CNY mil	202,171	222,054	240,042
Interbank Borrowing	CNY mil	716,364	893,315	883,792
Customer Deposits	CNY mil	1,914,860	1,982,590	2,125,670
Issued Debt Securities	CNY mil	30,115	45,116	81,755

Ratios		2016	2017	2018
ROE	%	12.4	10.9	10.7
ROA	%	0.828	0.748	0.744
Costs (As % Of Assets)	%	1.15	1.05	1.22
Costs (As % Of Income)	%	28.4	29.9	32.7
Capital Adequacy Ratio	%	11.5	11.2	11.5
Net Interest Margin	%	2.80	2.39	2.24
Loans (As % Of Deposits)	%	75.0	83.8	91.7

Valuation		2016	2017	2018
Price/Earnings (P/E)		7.71	11.8	7.39
Price/Book Value (P/BV)		0.862	1.23	0.764
Earnings Per Share (EPS)	CNY	1.32	1.35	1.45
Book Value Per Share	CNY	11.8	12.9	14.0

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summary
income statement
balance sheet
ratios
other data

summary	Unit	1993	1994	1995	1996	1997	1998	1999	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																				33,035	40,688	53,046	66,099	76,411
Total Revenues	CNY mil																				40,434	53,446	75,348	98,397	110,456
Operating Profit	CNY mil																				21,358	28,102	43,198	61,614	79,040
Net Profit	CNY mil																				13,403	15,231	19,802	21,865	22,599
balance sheet
Interbank Loans	CNY mil																				346,194	370,847	291,446	302,973	273,208
Customer Loans	CNY mil																				708,262	832,127	1,003,640	1,186,870	1,435,870
Debt Securities	CNY mil																				290,833	412,724	526,800	658,759	853,446
Total Assets	CNY mil																				1,606,540	1,891,740	2,186,460	2,507,150	2,953,430
Shareholders' Equity	CNY mil																				84,799	112,081	130,949	161,500	202,171
Interbank Borrowing	CNY mil																				455,607	511,735	424,324	530,148	716,364
Customer Deposits	CNY mil																				1,017,720	1,214,450	1,530,480	1,727,130	1,914,860
Issued Debt Securities	CNY mil												...	...							16,079	8,102	41,750	20,115	30,115
ratios
ROE	%																				16.7	15.5	16.3	15.0	12.4
ROA	%																				0.936	0.871	0.971	0.932	0.828
Costs (As % Of Assets)	%																				1.33	1.45	1.58	1.57	1.15
Costs (As % Of Income)	%																				47.2	47.4	42.7	37.4	28.4
Capital Adequacy Ratio	%	...	...	...	...	...	...	...	...	...	...										11.4	9.90	10.9	10.9	11.5
Net Interest Margin	%																				2.31	2.33	2.60	2.82	2.80
Interest Income (As % Of Revenues)	%																				81.7	76.1	70.4	67.2	69.2
Fee Income (As % Of Revenues)	%																				14.1	19.6	23.1	26.9	25.2
Equity (As % Of Assets)	%																				5.28	5.92	5.99	6.44	6.85
Loans (As % Of Deposits)	%																				69.6	68.5	65.6	68.7	75.0
Loans (As % Assets)	%																				44.1	44.0	45.9	47.3	48.6
valuation
Market Capitalisation (End Of Period)	USD mil																				10,589	15,042	23,340	22,136	20,151
Number Of Shares (Average)	mil																				14,165	14,164	16,452	16,871	17,170
Share Price (End Of Period)	HKD																				5.79	8.23	11.0	10.2	9.10
Earnings Per Share (EPS)	CNY																				0.946	1.08	1.20	1.30	1.32
Book Value Per Share	CNY																				5.99	7.91	7.96	9.57	11.8
Price/Earnings (P/E)																					7.62	9.81	11.4	9.37	7.71
Price/Book Value (P/BV)																					1.20	1.33	1.73	1.27	0.862
Earnings Per Share Growth	%	...																			6.07	13.6	11.9	7.68	1.56
Book Value Per Share Growth	%	...																			-8.49	32.2	0.589	20.3	23.0

income statement	Unit	1993	1994	1995	1996	1997	1998	1999	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																				74,614	93,102	119,202	131,649	131,119
Interest Cost	CNY mil																				41,578	52,414	66,156	65,550	54,708
Net Interest Income	CNY mil																				33,035	40,688	53,046	66,099	76,411
Net Fee Income	CNY mil																				5,721	10,456	17,378	26,445	27,859
Other Income	CNY mil																				1,677	2,302	4,924	5,853	6,186
Total Revenues	CNY mil																				40,434	53,446	75,348	98,397	110,456
Operating Cost	CNY mil																				19,076	25,344	32,150	36,783	31,416
Operating Profit	CNY mil																				21,358	28,102	43,198	61,614	79,040
Provisions	CNY mil																				3,037	6,675	14,614	29,867	45,435
Extra and Other Cost	CNY mil																				769	1,387	2,390	2,901	3,670
Pre-Tax Profit	CNY mil																				17,551	20,040	26,194	28,846	29,935
Tax	CNY mil																				4,040	4,809	6,392	6,981	7,336
Minorities	CNY mil																				108	0	0	0	0
Net Profit	CNY mil																				13,403	15,231	19,802	21,865	22,599
growth rates
Net Interest Income Growth	%	...																			30.6	23.2	30.4	24.6	15.6
Net Fee Income Growth	%	...																			56.1	82.8	66.2	52.2	5.35
Total Revenue Growth	%	...																			34.6	32.2	41.0	30.6	12.3
Operating Cost Growth	%	...																			32.8	32.9	26.9	14.4	-14.6
Operating Profit Growth	%	...																			36.2	31.6	53.7	42.6	28.3
Pre-Tax Profit Growth	%	...																			32.4	14.2	30.7	10.1	3.78
Net Profit Growth	%	...																			30.4	13.6	30.0	10.4	3.36
market share
Market Share in Revenues	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...			1.28	1.49	1.79	2.12	2.35		...
Market Share in Net Profit	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...						0.887	...	...	...	...	...	...
Market Share in Employees	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...		...	...	...	...	...	...	...	...

balance sheet	Unit	1993	1994	1995	1996	1997	1998	1999	2000	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018
balance sheet
Cash	CNY mil																				219,347	229,924	306,298	291,715	311,258
Interbank Loans	CNY mil																				346,194	370,847	291,446	302,973	273,208
Customer Loans	CNY mil																				708,262	832,127	1,003,640	1,186,870	1,435,870
Retail Loans	CNY mil	...	...	...	...	...	...	...													225,835	325,650	384,995	441,142	540,944
Mortgage Loans	CNY mil	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...				131,307	64,956	55,365	45,967	85,229
Consumer Loans	CNY mil	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...				94,527	260,694	329,630	395,175	455,715
Corporate Loans	CNY mil	...	...	...	...	...	...	...													494,946	521,639	639,739	774,996	934,857
Debt Securities	CNY mil																				290,833	412,724	526,800	658,759	853,446
Fixed Assets	CNY mil																				3,536	3,694	3,812	4,788	9,246
Total Assets	CNY mil																				1,606,540	1,891,740	2,186,460	2,507,150	2,953,430
Shareholders' Equity	CNY mil																				84,799	112,081	130,949	161,500	202,171
Of Which Minority Interest	CNY mil																				...	0	0	0	0
Liabilities	CNY mil																				1,521,740	1,779,660	2,055,510	2,345,650	2,751,260
Interbank Borrowing	CNY mil																				455,607	511,735	424,324	530,148	716,364
Customer Deposits	CNY mil																				1,017,720	1,214,450	1,530,480	1,727,130	1,914,860
Sight Deposits	CNY mil	...	...	...	...	...	...	...	...	...											342,563	380,275	405,340	548,555	797,867
Term Deposits	CNY mil	...	...	...	...	...	...	...	...	...											675,154	834,171	1,125,140	1,178,580	1,116,990
Issued Debt Securities	CNY mil												...	...							16,079	8,102	41,750	20,115	30,115
Other Liabilities	CNY mil												...	...							32,336	45,377	58,955	68,253	89,929
asset quality
Gross Loans	CNY mil																				720,780	847,289	1,024,730	1,216,140	1,475,800
Total Provisions	CNY mil																				12,518	15,162	21,097	29,266	39,932
growth rates
Customer Loan Growth	%	...																			16.1	17.5	20.6	18.3	21.0
Retail Loan Growth	%	...	...	...	...	...	...	...	...												18.9	44.2	18.2	14.6	22.6
Mortgage Loan Growth	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...			-6.73	-50.5	-14.8	-17.0	85.4
Consumer Loan Growth	%	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...			92.3	176	26.4	19.9	15.3
Corporate Loan Growth	%	...	...	...	...	...	...	...	...												14.9	5.39	22.6	21.1	20.6
Total Asset Growth	%	...																			27.7	17.8	15.6	14.7	17.8
Shareholders' Equity Growth	%	...																			12.5	32.2	16.8	23.3	25.2
Customer Deposit Growth	%	...																			20.0	19.3	26.0	12.8	10.9
market share
Market Share in Customer Loans	%	...	...	...	...	...	...	...	...	...	...										1.05	1.04	1.11	1.13	1.23
Market Share in Total Assets	%	...	...	...	...	...	...	...	...	...	...										1.20	1.24	1.27	1.26	1.28
Market Share in Customer Deposits	%	...	...	...	...	...	...	...	...	...	...										1.08	2.91	3.38	3.03	2.70

ratios	Unit	1993	1994	1995	1996	1997	1998	1999	2000	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018
ratios
ROE	%																				16.7	15.5	16.3	15.0	12.4
ROA	%																				0.936	0.871	0.971	0.932	0.828
Costs (As % Of Assets)	%																				1.33	1.45	1.58	1.57	1.15
Costs (As % Of Income)	%																				47.2	47.4	42.7	37.4	28.4
Capital Adequacy Ratio	%	...	...	...	...	...	...	...	...	...	...										11.4	9.90	10.9	10.9	11.5
Tier 1 Ratio	%	...	...	...	...	...	...	...	...	...	...										8.59	8.56	8.64	9.03	9.34
Net Interest Margin	%																				2.31	2.33	2.60	2.82	2.80
Interest Spread	%	...																			2.13	2.15	2.40	2.63	2.66
Asset Yield	%																				5.21	5.32	5.85	5.61	4.80
Cost Of Liabilities	%	...																			3.07	3.18	3.45	2.98	2.15
Interest Income (As % Of Revenues)	%																				81.7	76.1	70.4	67.2	69.2
Fee Income (As % Of Revenues)	%																				14.1	19.6	23.1	26.9	25.2
Other Income (As % Of Revenues)	%																				4.15	4.31	6.54	5.95	5.60
Equity (As % Of Assets)	%																				5.28	5.92	5.99	6.44	6.85
Loans (As % Of Deposits)	%																				69.6	68.5	65.6	68.7	75.0
Loans (As % Assets)	%																				44.1	44.0	45.9	47.3	48.6
Provisions (As % Of Loans)	%																				1.77	1.82	2.10	2.47	2.78
Cost of Provisions (As % Of Loans)	%																				0.461	0.867	1.59	2.73	3.46

other data	Unit	1993	1994	1995	1996	1997	1998	1999	2000	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018
other data
Employees		...	...	...	...	...	...														24,251	34,724	35,069	37,937	36,885
Sight (As % Of Customer Deposits)	%	...	...	...	...	...	...	...	...	...											33.7	31.3	26.5	31.8	41.7
On-balance Sheet Loans	RMB mil	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	832,127	1,003,640	1,186,870	1,435,870

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Download Sample $19.99

Ping An Bank in Numbers
Annual (1993 - 2018)

Oct 2019

Statistical Dossier

$19.99

Ping An Bank in Quarterly Numbers
Quarterly (Sep 09 - Jun 19)

Oct 2019

Statistical Dossier

$19.99

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More Charts

Ping An's market capitalisation (end of period) rose 8.04% to USD 30,296 mil in 2Q2019

By Helgi Library - October 23, 2019

Ping An Bank stock traded at JPY 1,645 per share at the end of second quarter of 2019 implying a market capitalization of USD 3,477 mil. Over the last five years, the stock has depreciated by 36.4 implying an annual average growth of -8.65% In absolute te...

Ping An's customer deposits rose 10.9% yoy to CNY 1,914,860 mil in 4Q2016

By Helgi Library - October 11, 2019

Ping An Bank's customer deposits reached CNY 1,914,860 mil in 2016-12-31, up 0.104% compared to the previous year. Chinese banking sector accepted customer deposits of CNY 71,030 bil in 2016-12-31, up 6.68% when compared to the last year. Ping An Bank acc...

Ping An's customer deposits rose 10.9% yoy to CNY 1,914,860 mil in 4Q2016

By Helgi Library - October 11, 2019

Ping An's share price (end of period) rose 51.6% yoy to HKD 13.8 in 2Q2019

By Helgi Library - October 11, 2019

Ping An Bank stock traded at HKD 13.8 per share at the end of second quarter of 2019 implying a market capitalization of USD 30,296 mil. Over the last five years, the stock has appreciated by 100 % implying an annual average growth of 14.9 %. In absolute terms, the va...

Ping An's share price (end of period) rose 51.6% yoy to HKD 13.8 in 2Q2019

By Helgi Library - October 11, 2019

Ping An's capital adequacy ratio rose 8.89% yoy to 12.6% in 2Q2019

By Helgi Library - October 11, 2019

Ping An Bank's capital adequacy ratio reached 12.6% at the end of second quarter of 2019, up from 11.5% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 12.6% in 2Q2019 and an all time low of 8.66% in 1Q2010. ...

Ping An's capital adequacy ratio rose 8.89% yoy to 12.6% in 2Q2019

By Helgi Library - October 11, 2019

Ping An's corporate loans rose 0.850% yoy to CNY 856,988 mil in 2Q2019

By Helgi Library - October 11, 2019

Ping An Bank's loans reached CNY 1,224,910 mil in the second quarter of 2019, up from CNY 1,190,530 mil when compared to the previous quarter and up from CNY 998,926 mil when compared to the same period of last year. Historically, the bank’s loans r...

Ping An's corporate loans rose 0.850% yoy to CNY 856,988 mil in 2Q2019

By Helgi Library - October 11, 2019

Ping An's npls (as % of loans) fell 9.20% yoy to 3.21% in 2Q2019

By Helgi Library - October 11, 2019

Ping An Bank's non-performing loans reached 3.21% of total loans at the end of 2019-06-30, down from 3.53% compared to the previous year. Historically, the NPL ratio hit an all time high of 5.53% in 2016-12-31 and an all time low of 1.37% in 2011-09-30. Pro...

More News

Finance

Ping An Bank has been growing its revenues and asset by 8.21% and 10.9% a year on average in the last 3 years. Its loans and deposits have grown by 18.0% and 7.17% a year during that time and loans to deposits ratio reached 91.7% at the end of 2018. The company achieved an average return on equity of 11.4% in the last three years with net profit growing 4.31% a year on average. In terms of operating efficiency, its cost to income ratio reached 32.7% in 2018, compared to 30.4% average in the last three years.

Equity represented 7.02% of total assets or 12.3% of loans at the end of 2018. Ping An Bank's non-performing loans were of total loans while provisions covered some of NPLs at the end of 2018.

Valuation

Ping An Bank stock traded at HKD 9.38 per share at the end of 2018 resulting in a market capitalization of USD 20,569 mil. Over the previous five years, stock price rose by 13.9% or 2.64% a year on average. That’s compared to an average ROE of 13.1% the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of 7.39x and price to book value (PBV) of 0.764x in 2018.

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