Major Supervisory Indicators of Commercial Banking Institutions as of end-2013

 

 

                                                                                             RMB100 million;   %

 

Time

2013

 

Item

Q1

Q2

Q3

Q4

 

1. Credit Risk Indicators

 

 

NPLs

5265

5395

5636

5921

 

of which:  Substandard

2242

2335

2381

2538

 

Doubtful

2379

2413

2504

2574

 

Loss

643

648

750

809

 

NPL Ratio

0.96%

0.96%

0.97%

1.00%

 

of which:  Substandard

0.41%

0.42%

0.41%

0.43%

 

Doubtful

0.44%

0.43%

0.43%

0.43%

 

Loss

0.12%

0.12%

0.13%

0.14%

 

Provision

15370

15781

16175

16740

 

Provision Coverage Ratio

291.95%

292.50%

287.03%

282.70%

 

2. Liquidity Indicators

 

 

Liquidity Ratio

45.36%

43.68%

42.80%

44.03%

 

Loan-Deposit Ratio

64.68%

65.17%

65.63%

66.08%

 

RMB Excess Reserves Rate

2.58%

2.63%

2.45%

2.54%

 

3. Performance Indicators

 

 

Net ProfitCurrent Year Accumulative

3688

7531*

11216

14180*

 

ROA

1.37%

1.38%

1.36%

1.27%

 

ROE

21.00%

21.19%

20.67%

19.17%

 

NIM

2.57%

2.59%

2.63%

2.68%

 

NOINAC

23.84%

23.73%

22.46%

21.15%

 

CIR

29.18%

29.44%

30.21%

32.90%

 

4. Capital Adequacy Indicators **

 

 

Net Capital

85855

70366

72600

75793

 

Net Tier 1 Capital

68847

70366

72600

75793

 

Net Core Tier 1 Capital

68847

87450

89607

92856

 

Credit  Risk-Weighted Capital

643351

658238

679386

696583

 

Market Risk-Weighted Capital

6254

6658

6304

6067

 

Operational Risk-Weighted Capital

49492

49625

49714

59124

 

Capital Adequacy Ratio

12.28%

9.85%

9.87%

9.95%

 

Tier 1 Capital Adequacy Ratio

9.85%

9.85%

9.87%

9.95%

 

Core Tier 1 Capital Adequacy Ratio

9.85%

12.24%

12.18%

12.19%

 

5. Market Risk Indicators

 

 

Accumulative Foreign Exchange Exposure Position Ratio

3.77%

4.24%

3.77%

3.68%

 

6. NPLs by Institutions

 

 

 

 

 

 

RMB100 million;  %

 

Time

2013

 

Q1

Q2

Q3

Q4

 

Institutions

NPLs

NPL Ratio

NPLs

NPL Ratio

NPLs

NPL Ratio

NPLs

NPL Ratio

 

Commercial banks

5265

0.96%

5395

0.96%

5636

0.97%

5921

1.00%

 

SOCBs

3241

0.98%

3254

0.97%

3365

0.98%

3500

1.00%

 

JSCBs

896

0.77%

956

0.80%

1026

0.83%

1091

0.86%

 

City Commercial Banks

454

0.83%

496

0.86%

526

0.87%

548

0.88%

 

Rural Commercial Banks

612

1.73%

625

1.63%

656

1.62%

726

1.67%

 

Foreign Banks

62

0.59%

63

0.60%

62

0.57%

56

0.51%

 

 

Note:* the figure refers to the accumulated net profit from January to December 2013.

           **Since January 1, 2013, China implemented the Capital Rules for Commercial Banks (Provisional), therefore the original Rules on Capital Adequacy Ratio was abolished. The CAR ratio disclosed in the table since Q1 2013 was adjusted based on the new Capital Rules, thus not comparable with historical data. The new CAR ratio adjusted is lower in general than the previous data given that the new Capital Rules adopted the tougher measurement methods including newly added capital requirement for operational risks, stricter definition of eligible capital instruments, readjustment of risk weightings, and removal of calculation thresholds for market risks, etc.

 

 

atts:



Copyright: China Banking Regulatory Commission
ADDR:Jia N0.15 Financial Street, Xicheng District, Beijing, 100033