Financial Ratios China Construction Bank Corporation

Equities

939 CNE1000002H1

Banks

Market Closed - Hong Kong S.E. Other stock markets 03:08:17 2025-01-13 am EST			5-day change	1st Jan Change
5.880 ^HKD	-0.51%		-2.49%	-9.26%

Jan. 03	China Feihe's Dairy Unit Avails of 600 Million Yuan Wealth Management Product	MT
Jan. 03	China Construction Bank Issues 35 Billion Yuan of 10-Year Bonds	MT

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Published financial data: CHINA CONSTRUCTION BANK CORPORATION

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2019	2020	2021	2022	2023
Interest Income On Loans	883B	990B	1,057B	1,170B	1,247B
Interest Income On Investments	-	-	-	-	5.71B
Interest Income, Total	883B	990B	1,057B	1,170B	1,253B
Interest On Deposits	373B	414B	452B	527B	630B
Interest Expense, Total	373B	414B	452B	527B	630B
Net Interest Income	511B	576B	605B	643B	623B
Income From Trading Activities	-	-	-	-	5.68B
Gain (Loss) on Sale of Assets	-	-	-	-	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	-	-	-	-	724M
Income (Loss) on Equity Invest. (Income Block)	249M	895M	1.6B	1.19B	-
Total Other Non Interest Income	195B	179B	217B	178B	130B
Non Interest Income, Total	195B	180B	219B	179B	136B
Revenues Before Provison For Loan Losses	706B	756B	824B	822B	759B
Provision For Loan Losses	163B	193B	168B	155B	137B
Total Revenues	543B	562B	656B	668B	622B
Salaries And Other Employee Benefits	-	-	-	-	128B
Amort. of Goodwill & Intang. Assets	-	-	-	-	3.5B
Occupancy Expense	-	-	-	-	32.45B
Selling General & Admin Expenses, Total	180B	179B	210B	213B	47.71B
(Income) Loss on Equity Invest.	-	-	-	-	-1.15B
Total Other Non Interest Expense	36.14B	49.38B	67.66B	72.77B	8.94B
Non Operating (Income) Expenses	-	-	364M	-74M	-
Non Interest Expense, Total	216B	229B	278B	286B	219B
EBT, Excl. Unusual Items	327B	334B	378B	382B	403B
Restructuring Charges	-	-	-	-5M	-5M
Asset Writedown	-	3.56B	-	-	-
Other Unusual Items	-357M	-630M	-	-	-13.5B
EBT, Incl. Unusual Items	327B	337B	378B	382B	389B
Income Tax Expense	57.38B	63.04B	74.48B	58.85B	56.92B
Earnings From Continuing Operations	269B	274B	304B	323B	332B
Net Income to Company	269B	274B	304B	323B	332B
Minority Interest	-2.49B	-2.53B	-1.42B	695M	193M
Net Income - (IS)	267B	271B	303B	324B	333B
Preferred Dividend and Other Adjustments	3.96B	5.62B	4.54B	4.54B	5.11B
Net Income to Common Incl Extra Items	263B	265B	298B	319B	328B
Net Income to Common Excl. Extra Items	263B	265B	298B	319B	328B
Per Share Items
Net EPS - Basic	1.05	1.06	1.19	1.28	1.31
Basic EPS - Continuing Operations	1.05	1.06	1.19	1.28	1.31
Basic Weighted Average Shares Outstanding	250B	250B	250B	250B	250B
Net EPS - Diluted	1.05	1.06	1.19	1.28	1.31
Diluted EPS - Continuing Operations	1.05	1.06	1.19	1.28	1.31
Diluted Weighted Average Shares Outstanding	250B	250B	250B	250B	250B
Normalized Basic EPS	0.81	0.82	0.94	0.96	1.01
Normalized Diluted EPS	0.81	0.82	0.94	0.96	1.01
Dividend Per Share	0.32	0.33	0.36	0.39	0.4
Payout Ratio	30.37	31.59	28.55	29.6	30.83
American Depositary Receipts Ratio (ADR)	20	20	20	20	20
Supplemental Items
Effective Tax Rate - (Ratio)	17.57	18.73	19.68	15.41	14.62
Total Current Taxes	74.01B	78.34B	79.23B	77.4B	66.37B
Total Deferred Taxes	-17.14B	-16.21B	-4.04B	-18.09B	-9.08B
Normalized Net Income	202B	206B	235B	239B	252B
Non-Cash Pension Expense	-6M	-14M	-30M	-23M	-19M

Fiscal Period: December	2019	2020	2021	2022	2023
Assets
Cash And Equivalents	1,052B	879B	806B	1,144B	925B
Investment Securities, Total	6,950B	7,681B	8,126B	9,514B	10,553B
Trading Asset Securities, Total	266B	241B	156B	191B	173B
Total investments	7,216B	7,921B	8,283B	9,705B	10,726B
Gross Loans	14,988B	16,905B	18,837B	21,395B	24,275B
Allowance For Loan Losses	-482B	-556B	-638B	-705B	-779B
Net Loans	14,506B	16,349B	18,199B	20,690B	23,496B
Gross Property Plant And Equipment	335B	345B	354B	365B	367B
Accumulated Depreciation	-140B	-146B	-159B	-172B	-169B
Net Property Plant And Equipment	195B	198B	195B	193B	197B
Goodwill	2.81B	2.21B	2.14B	2.26B	2.46B
Other Intangibles, Total	19.24B	19.4B	19.49B	19.72B	19.45B
Accrued Interest Receivable	61.01B	70.05B	71.54B	78.14B	82.26B
Other Receivables	19.96B	22.4B	23.72B	20.72B	22.63B
Restricted Cash	2,095B	2,285B	2,160B	2,305B	2,426B
Other Current Assets, Total	46.17B	102B	121B	119B	88.71B
Deferred Tax Assets Long-Term (Collected)	72.31B	92.95B	92.34B	114B	121B
Other Real Estate Owned And Foreclosed	1.23B	797M	668M	553M	387M
Deferred Charges Long-Term	4.33B	3.93B	4.09B	5.49B	1.77B
Other Long-Term Assets, Total	145B	186B	276B	205B	215B
Total Assets	25,436B	28,132B	30,254B	34,602B	38,325B
Liabilities
Accrued Expenses, Total	49.52B	50.82B	58.15B	68.94B	72.04B
Interest Bearing Deposits	19,812B	22,284B	23,959B	27,201B	30,007B
Total Deposits	19,812B	22,284B	23,959B	27,201B	30,007B
Short-Term Borrowings	33.78B	81.96B	31.32B	46.75B	41.87B
Current Portion of Long-Term Debt	1,435B	1,433B	1,558B	2,141B	2,707B
Current Portion of Leases	6.56B	7.04B	8.95B	6.84B	6.7B
Long-Term Debt	827B	695B	784B	875B	987B
Long-Term Leases	15.56B	16.55B	14.8B	16.9B	17.51B
Current Income Taxes Payable	75.39B	72.17B	73.13B	71.08B	61.04B
Accrued Interest Payable	214B	282B	361B	413B	448B
Other Current Liabilities - (Bank / Utility Template)	357B	394B	295B	370B	312B
Unearned Revenue Non Current	29.42B	26.74B	23.56B	21.96B	17.05B
Pension & Other Post Retirement Benefits	5.37B	1.6B	1.56B	1.66B	1.68B
Deferred Tax Liability Non-Current	457M	1.55B	1.4B	881M	1.72B
Other Non Current Liabilities	340B	397B	470B	488B	473B
Total Liabilities	23,201B	25,743B	27,640B	31,723B	35,153B
Preferred Stock Convertible	79.71B	60B	60B	60B	60B
Preferred Stock - Others	-75M	-23M	-23M	-23M	-23M
Total Preferred Equity	79.64B	59.98B	59.98B	59.98B	59.98B
Common Stock, Total	250B	250B	250B	250B	250B
Additional Paid In Capital	135B	134B	135B	136B	136B
Retained Earnings	1,680B	1,866B	2,082B	2,310B	2,541B
Comprehensive Income and Other	71.98B	55.04B	61.33B	101B	164B
Total Common Equity	2,137B	2,305B	2,528B	2,797B	3,090B
Minority Interest	18.87B	24.54B	25.89B	22.03B	21.93B
Total Equity	2,235B	2,389B	2,614B	2,879B	3,172B
Total Liabilities And Equity	25,436B	28,132B	30,254B	34,602B	38,325B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	250B	250B	250B	250B	250B
ECS Total Common Shares Outstanding	250B	250B	250B	250B	250B
Book Value / Share	8.39	9.06	9.95	10.87	11.8
Tangible Book Value	2,115B	2,283B	2,507B	2,775B	3,068B
Tangible Book Value Per Share	8.3	8.97	9.87	10.78	11.71
Average Assets	24,476B	27,548B	29,614B	33,116B	37,194B
Average Loans	14,047B	16,191B	18,028B	20,270B	22,996B
Total Debt	2,318B	2,233B	2,397B	3,087B	3,760B
Deposits at Interest - Cash	900B	754B	694B	1,034B	806B
Debt Equivalent of Unfunded Proj. Benefit Obligation	-363M	-856M	-861M	-609M	-574M
Net Debt	18.69B	200B	819B	634B	1,613B
Equity Method Investments, Total	11.35B	13.7B	18.88B	22.7B	20.98B
Full Time Employees	347K	374K	376K	377K	377K
Number Of Offices	14.91K	14.74K	14.51K	14.36K	14.9K

Fiscal Period: December	2019	2020	2021	2022	2023
Net Income	267B	271B	303B	324B	333B
Depreciation, Depletion & Amortization	21.3B	23.38B	24.77B	22.79B	26.31B
Amortization of Goodwill and Intangible Assets - (CF)	1.68B	1.52B	639M	622M	585M
Total Depreciation, Depletion & Amortization	22.98B	24.9B	25.41B	23.41B	26.9B
Amortization of Deferred Charges, Total	943M	1.28B	1.88B	1.98B	2.19B
(Gain) Loss On Sale of Asset - (CF)	-42M	319M	-251M	-251M	-299M
(Gain) Loss on Sale of Investments - (CF)	-2.46B	640M	-6.55B	12.36B	3.62B
Total Asset Writedown	521M	-3.56B	766M	479M	463M
Provision for Credit Losses	163B	193B	168B	155B	137B
(Income) Loss On Equity Investments - (CF)	-249M	-895M	-1.6B	-1.19B	-1.15B
Change in Trading Asset Securities	-	-	-	-	12.96B
Change In Income Taxes	-	-	-	-	-76.96B
Change In Deferred Taxes	-17.14B	-16.21B	-4.04B	-18.09B	-
Change in Other Net Operating Assets (Collected)	328B	299B	177B	713B	-2,574B
Other Operating Activities	-181B	-189B	-226B	-232B	-206B
Cash from Operations	581B	581B	437B	978B	-2,344B
Capital Expenditure	-23.23B	-25.74B	-21.24B	-23.75B	-25.09B
Sale of Property, Plant, and Equipment	2.37B	1.63B	2.95B	3.74B	4.31B
Cash Acquisitions	-	-	-	-	-1.13B
Investment in Marketable and Equity Securities, Total	-465B	-826B	-737B	-883B	-1,067B
Other Investing Activities, Total	193B	208B	237B	251B	268B
Cash from Investing	-293B	-642B	-519B	-652B	-821B
Long-Term Debt Issued, Total	42.11B	118B	211B	145B	149B
Total Debt Issued	42.11B	118B	211B	145B	149B
Long-Term Debt Repaid, Total	-79.05B	-79.24B	-81.9B	-62.39B	-123B
Total Debt Repaid	-79.05B	-79.24B	-81.9B	-62.39B	-123B
Issuance of Common Stock	39.99B	-	-	39.99B	59.99B
Repurchase of Common Stock	-	-19.93B	-	-	-
Issuance of Preferred Stock	-	-	-	-	-
Common Dividends Paid	-	-80B	-	-	-
Preferred Dividends Paid	-	-5.62B	-	-	-
Common & Preferred Stock Dividends Paid	-81.01B	-	-86.36B	-95.86B	-103B
Common & Preferred Stock Dividends Paid	-81.01B	-85.63B	-86.36B	-95.86B	-103B
Net Increase (Decrease) in Deposit Accounts - (CF)	-	-	-	-	2,986B
Other Financing Activities, Total	-23.88B	-23.26B	-26.29B	-33.67B	-30.64B
Cash from Financing	-102B	-89.96B	16.12B	-6.42B	2,939B
Foreign Exchange Rate Adjustments	4.74B	-21.98B	-7.62B	17.73B	7.54B
Net Change in Cash	192B	-173B	-73.33B	338B	-218B
Supplemental Items
Cash Interest Paid	378B	362B	497B	492B	586B
Cash Income Tax Paid (Refund)	110B	130B	130B	136B	76.96B
Net Debt Issued / Repaid	-36.95B	38.86B	129B	83.11B	25.89B

Fiscal Period: December	2019	2020	2021	2022	2023
Profitability
Return on Assets	1.11	1.02	1.04	1	0.91
Return On Equity %	12.74	11.83	12.15	11.77	10.99
Return on Common Equity	13.03	11.95	12.33	11.99	11.13
Shareholders Value Added	26.41B	6.09B	13.17B	4.99B	-19.9B
Margin Analysis
SG&A Margin	32.46	31.28	31.49	31.47	33.45
Net Interest Income / Total Revenues %	94.11	102.41	92.25	96.28	100.1
EBT Excl. Non-Recurring Items Margin %	60.25	59.34	57.66	57.19	64.74
Income From Continuing Operations Margin %	49.61	48.65	46.31	48.38	53.42
Net Income Margin %	49.16	48.2	46.09	48.49	53.45
Net Avail. For Common Margin %	48.43	47.2	45.4	47.81	52.63
Normalized Net Income Margin	37.2	36.64	35.82	35.85	40.49
Asset quality
Nonperforming Loans / Total Loans %	1.42	1.54	1.41	1.37	1.34
Nonperforming Loans / Total Assets %	0.84	0.93	0.88	0.85	0.85
Nonperforming Assets / Total Assets %	0.84	0.93	0.88	0.85	0.85
NPAs / Loans and OREO	1.43	1.55	1.42	1.37	1.34
NPAs / Equity	9.56	10.95	10.2	10.19	10.27
Allowance for Credit Losses / Net Charge-offs %	1.17K	1.2K	1.38K	1.96K	2.09K
Allowance for Credit Losses / Nonperforming Loans %	226.93	213.39	239.69	240.73	239.56
Allowance for Credit Losses / Total Loans %	3.22	3.29	3.39	3.29	3.21
Net Charge-offs / Total Average Loans %	0.29	0.29	0.26	0.18	0.16
Provision for Loan Losses / Net Charge-offs %	396.77	415.61	363.22	430.4	367.32
Earning Assets / IBL	107.83	110.08	111.68	111.68	111.76
Interest Income / Average Assets	3.61	3.59	3.57	3.53	3.37
Interest Expense / Average Assets	1.52	1.5	1.53	1.59	1.69
Net Interest Income / Average Assets	2.09	2.09	2.04	1.94	1.67
Non Interest Income / Average Assets	0.8	0.65	0.74	0.54	0.37
Non Interest Expense / Average Asset	0.88	0.83	0.94	0.86	0.59
Capital And Funding
Total Average Common Equity / Total Average Assets %	8.29	8.29	8.28	8.21	8.07
Total Average Equity / Total Average Assets %	8.69	8.63	8.57	8.47	8.29
Total Equity + Allowance for Loan Losses / Total Loans %	18	17.28	17.13	16.65	16.19
Gross Loans / Total Deposits %	75.65	75.86	78.62	78.66	80.9
Net Loans / Total Deposits %	73.22	73.37	75.96	76.06	78.3
Tier 1 Capital Ratio %	14.68	14.22	14.14	14.4	14.04
Total Capital Ratio %	17.52	17.06	17.85	18.42	17.95
Core Tier 1 Capital Ratio	13.88	13.62	13.59	13.69	13.15
Tier 2 Capital Ratio	2.84	2.84	3.72	4.02	3.91
Coverage Ratio	226.93	213.39	239.69	240.73	239.56
Interbank Ratio	65.34	60.59	39.38	52.09	52.02
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.88	1.81	1.84	1.73	1.62
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %