Major Supervisory Indicators of Commercial Banking Institutions as of end-2012

 

                                                                                     

RMB100 million;

Time

2012

 

Item

Q1

Q2

Q3

Q4

 

1. Credit Risk Indicators

 

 

NPLs

4382

4564

4788

4929

 

of which:  Substandard

1801

1960

2028

2176

 

Doubtful

1909

1934

2074

2122

 

Loss

672

670

685

630

 

NPL Ratio

0.94%

0.94%

0.95%

0.95%

 

of which:  Substandard

0.39%

0.40%

0.40%

0.42%

 

Doubtful

0.41%

0.40%

0.41%

0.41%

 

Loss

0.14%

0.14%

0.14%

0.12%

 

Provision

12594

13244

13884

14564

 

Provision Coverage Ratio

287.40%

290.18%

289.97%

295.51%

 

2. Liquidity Indicators

 

 

 

 

Liquidity Ratio

45.66%

46.69%

45.23%

45.83%

 

Loan-Deposit Ratio

64.53%

64.33%

65.28%

65.31%

 

RMB Excess Reserves Rate

3.03%

2.74%

2.66%

3.51%

 

3. Performance Indicators

 

 

 

 

Net ProfitCurrent Year Accumulative

3260

6616

9810*

12386*

 

ROA

1.43%

1.41%

1.39%

1.28%

 

ROE

22.34%

22.29%

21.54%

19.85%

 

NIM

2.76%

2.73%

2.77%

2.75%

 

NOINAC

20.55%

20.63%

19.47%

19.83%

 

CIR

29.46%

29.52%

30.46%

33.10%

 

4. Capital Adequacy Indicators

 

 

 

 

Core Capital

55980

58754

61726

64340

 

Subordinated Capital

14819

15746

15853

17585

 

Capital Deduction Item

3834

3919

3863

4057

 

On-balance-sheet  Risk-Weighted Capital

449785

467221

484589

506604

 

Off-balance-sheet Risk-Weighted Capital

71843

75284

76563

76108

 

Market Risk Capital Charge

315

342

372

388

 

Capital Adequacy Ratio

12.74%

12.91%

13.03%

13.25%

 

Core Capital Adequacy Ratio

10.31%

10.41%

10.58%

10.62%

 

5. Market Risk Indicators

 

 

 

 

Accumulative Foreign Exchange Exposure Position Ratio

4.25%

5.18%

4.65%

3.92%

 

6. NPLs by Institutions

 

 

 

 

 

 

RMB100 million;  %

 

Time

2012

 

Q1

Q2

Q3

Q4

 

Institutions

NPLs

NPL Ratio

NPLs

NPL Ratio

NPLs

NPL Ratio

NPLs

NPL Ratio

 

Commercial banks

4382

0.94%

4564

0.94%

4788

0.95%

4929

0.95%

 

SOCBs

2994

1.04%

3020

1.01%

3070

1.00%

3095

0.99%

 

JSCBs

608

0.63%

657

0.65%

743

0.70%

797

0.72%

 

City Commercial Banks

359

0.78%

403

0.82%

424

0.85%

419

0.81%

 

Rural Commercial Banks

374

1.52%

426

1.57%

487

1.65%

564

1.76%

 

Foreign Banks

48

0.49%

58

0.58%

63

0.62%

54

0.52%

 

 

atts:



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