Cash flow Industrial Bank Co., Ltd.

Equities

601166

CNE000001QZ7

Banks

End-of-day quote Shanghai S.E. Other stock markets 2025-12-12			5-day change	1st Jan Change
20.65 ^CNY	+1.13%		-1.05%	+7.78%

Dec. 03	Huapeng Glass Applies to Unfreeze Subsidiary's Bank Accounts; Shares Down 4%	MT
Dec. 01	Industrial Bank Issues 5 Billion Yuan Green Bonds	MT

3fe78da4cb5f84cdd7ab0095c7a65bc.PkYr6jCdZ33CE41cZWcU1k-lTpvjXUveMatVICVgrrU.THFx3FiwLxqjfvo4DhEg-w3JfsuRBQGdXf4ESUAG_4JEAESwXecJJadqvQ

Published financial data: INDUSTRIAL BANK CO., LTD.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	303B	315B	329B	349B	344B
Interest Income, Total	303B	315B	329B	349B	344B
Interest On Deposits	160B	169B	183B	203B	196B
Interest Expense, Total	160B	169B	183B	203B	196B
Net Interest Income	144B	146B	145B	147B	148B
Gain (Loss) on Sale of Assets	3M	-6M	12M	29M	115M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	716M	1.36B	4.58B	4.22B	4.5B
Income (Loss) on Equity Invest. (Income Block)	154M	213M	190M	18M	151M
Total Other Non Interest Income	58.24B	73.38B	71.84B	59.42B	58.7B
Non Interest Income, Total	59.11B	74.95B	76.62B	63.68B	63.46B
Revenues Before Provison For Loan Losses	203B	221B	222B	210B	212B
Provision For Loan Losses	75.3B	66.84B	48.59B	60.97B	60.18B
Total Revenues	127B	154B	173B	149B	151B
Selling General & Admin Expenses, Total	48.26B	55.47B	64.84B	62.61B	62.2B
Total Other Non Interest Expense	3.03B	3.73B	2.78B	3.11B	2.65B
Non Interest Expense, Total	51.29B	59.2B	67.62B	65.72B	64.85B
EBT, Excl. Unusual Items	76.04B	94.59B	106B	83.5B	86.54B
Other Unusual Items	600M	720M	539M	832M	578M
EBT, Incl. Unusual Items	76.64B	95.31B	106B	84.33B	87.12B
Income Tax Expense	8.96B	11.49B	13.81B	6.68B	9.63B
Earnings From Continuing Operations	67.68B	83.82B	92.41B	77.65B	77.49B
Net Income to Company	67.68B	83.82B	92.41B	77.65B	77.49B
Minority Interest	-1.06B	-1.14B	-1.04B	-538M	-286M
Net Income - (IS)	66.63B	82.68B	91.38B	77.12B	77.2B
Preferred Dividend and Other Adjustments	2.55B	4.26B	4.21B	4.21B	4.21B
Net Income to Common Incl Extra Items	64.08B	78.42B	87.16B	72.9B	72.99B
Net Income to Common Excl. Extra Items	64.08B	78.42B	87.16B	72.9B	72.99B
Per Share Items
Net EPS - Basic	3.08	3.77	4.2	3.51	3.51
Basic EPS - Continuing Operations	3.08	3.77	4.2	3.51	3.51
Basic Weighted Average Shares Outstanding	20.77B	20.77B	20.77B	20.77B	20.77B
Net EPS - Diluted	3.08	3.77	3.87	3.24	3.23
Diluted EPS - Continuing Operations	3.08	3.77	3.87	3.24	3.23
Diluted Weighted Average Shares Outstanding	20.77B	20.77B	22.82B	22.92B	23.02B
Normalized Basic EPS	2.24	2.79	3.13	2.49	2.59
Normalized Diluted EPS	2.24	2.79	2.85	2.25	2.34
Dividend Per Share	0.8	1.04	1.19	1.04	1.06
Payout Ratio	67.53	63.86	55.43	76.59	70.31
Supplemental Items
Effective Tax Rate - (Ratio)	11.69	12.06	13	7.92	11.05
Current Domestic Taxes	15.04B	16.61B	18.32B	11.75B	20.57B
Total Current Taxes	15.04B	16.61B	18.32B	11.75B	20.57B
Deferred Domestic Taxes	-6.06B	-5.32B	-4.71B	-4.2B	-10.94B
Total Deferred Taxes	-6.06B	-5.32B	-4.71B	-4.2B	-10.94B
Normalized Net Income	46.47B	57.98B	65.01B	51.65B	53.8B
Non-Cash Pension Expense	37M	1.4B	19M	101M	13M

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	201B	265B	237B	264B	273B
Investment Securities, Total	2,206B	2,244B	2,222B	2,588B	2,715B
Trading Asset Securities, Total	883B	944B	1,035B	1,001B	994B
Total investments	3,090B	3,188B	3,257B	3,590B	3,709B
Gross Loans	4,214B	4,792B	5,395B	5,927B	6,148B
Allowance For Loan Losses	-114B	-136B	-131B	-147B	-150B
Other Adjustments to Gross Loans	-10.85B	-11.18B	-11.97B	-14.09B	-14.68B
Net Loans	4,090B	4,644B	5,251B	5,766B	5,983B
Gross Property Plant And Equipment	40.58B	54.78B	61.12B	64.52B	67.72B
Accumulated Depreciation	-12.23B	-16.37B	-20.41B	-23.82B	-27.68B
Net Property Plant And Equipment	28.35B	38.42B	40.71B	40.7B	40.04B
Goodwill	532M	532M	532M	532M	532M
Other Intangibles, Total	712M	883M	986M	1.09B	1.12B
Accrued Interest Receivable	17.13B	19.57B	22.22B	24.49B	28.16B
Other Receivables	18.12B	14.59B	21.98B	19.05B	18.34B
Restricted Cash	350B	344B	356B	357B	319B
Other Current Assets, Total	4.95B	156M	113M	18.72B	49.62B
Deferred Tax Assets Long-Term (Collected)	45.51B	49.15B	54.87B	58.05B	67.26B
Other Real Estate Owned And Foreclosed	447M	413M	395M	475M	1.08B
Deferred Charges Long-Term	1.36B	1.38B	1.4B	1.4B	1.39B
Other Long-Term Assets, Total	46.77B	36.92B	22.57B	17.1B	16.22B
Total Assets	7,894B	8,603B	9,267B	10,158B	10,508B
Liabilities
Accounts Payable, Total	2.84B	4.42B	9.71B	12.09B	5.34B
Accrued Expenses, Total	24.4B	29.11B	34.46B	36.98B	39.66B
Interest Bearing Deposits	3,911B	4,246B	4,579B	5,135B	5,288B
Non-Interest Bearing Deposits	1,615B	1,769B	1,779B	1,847B	2,068B
Total Deposits	5,525B	6,015B	6,358B	6,982B	7,356B
Short-Term Borrowings	354B	165B	157B	362B	178B
Current Portion of Leases	-	2.48B	2.46B	2.59B	2.93B
Long-Term Debt	1,249B	1,529B	1,762B	1,784B	1,841B
Long-Term Leases	-	6.58B	6.84B	7.07B	6.37B
Current Income Taxes Payable	7.98B	8.27B	8.68B	2.58B	6.1B
Accrued Interest Payable	45.92B	51.78B	58.85B	87.97B	107B
Other Current Liabilities - (Bank / Utility Template)	21.46B	51.92B	56.63B	19.29B	33.1B
Unearned Revenue Non Current	5.32B	3.75B	2.47B	1.83B	1.54B
Pension & Other Post Retirement Benefits	84M	125M	324M	108M	129M
Deferred Tax Liability Non-Current	74M	163M	348M	179M	151M
Other Non Current Liabilities	32.68B	41.2B	51.96B	51.92B	38.34B
Total Liabilities	7,269B	7,909B	8,509B	9,351B	9,614B
Preferred Stock Redeemable	55.84B	55.84B	55.84B	55.84B	55.84B
Total Preferred Equity	55.84B	55.84B	55.84B	55.84B	55.84B
Common Stock, Total	20.77B	20.77B	20.77B	20.77B	20.77B
Additional Paid In Capital	74.91B	74.91B	74.91B	74.76B	74.73B
Retained Earnings	435B	497B	562B	610B	662B
Comprehensive Income and Other	29.21B	35.98B	32.39B	34.36B	68.68B
Total Common Equity	560B	628B	690B	740B	826B
Minority Interest	9.22B	10.19B	11.11B	11.5B	11.7B
Total Equity	625B	694B	757B	808B	894B
Total Liabilities And Equity	7,894B	8,603B	9,267B	10,158B	10,508B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	20.77B	20.77B	20.77B	20.77B	20.77B
ECS Total Common Shares Outstanding	20.77B	20.77B	20.77B	20.77B	20.77B
Book Value / Share	25.5	28.8	31.79	34.2	36.88
Tangible Book Value	558B	627B	689B	739B	824B
Tangible Book Value Per Share	25.44	28.73	31.72	34.12	36.8
Average Loans	3,833B	-	4,802B	5,279B	5,746B
Total Debt	1,603B	1,703B	1,928B	2,156B	2,027B
Deposits at Interest - Cash	952B	764B	400B	526B	508B
Net Debt	338B	316B	512B	625B	463B
Equity Method Investments, Total	3.55B	3.73B	4.05B	3.87B	3.92B
Full Time Employees	59.63K	-	69.84K	66.57K	68.72K
Number Of Offices	-	-	-	-	-

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	66.63B	82.68B	91.38B	77.12B	77.2B
Depreciation, Depletion & Amortization	1.97B	5.07B	5.4B	5.96B	6.17B
Amortization of Goodwill and Intangible Assets - (CF)	148M	218M	215M	256M	268M
Total Depreciation, Depletion & Amortization	2.12B	5.29B	5.62B	6.21B	6.44B
Amortization of Deferred Charges, Total	560M	1.07B	860M	885M	910M
(Gain) Loss On Sale of Asset - (CF)	-7M	20M	-7M	-27M	-114M
(Gain) Loss on Sale of Investments - (CF)	2.59B	18.68B	-19.32B	-42.84B	6.56B
Total Asset Writedown	4.62B	1.7B	-2.2B	-6M	-13M
Provision for Credit Losses	49.28B	44.18B	37.62B	66.79B	51.37B
Change In Deferred Taxes	-4.64B	-3.54B	-3.99B	-4.46B	-10.66B
Change in Other Net Operating Assets (Collected)	-98.94B	-462B	-413B	379B	-285B
Other Operating Activities	-56.43B	-77.4B	-41.94B	-49.31B	-84.45B
Cash from Operations	-34.23B	-390B	-345B	434B	-237B
Capital Expenditure	-6.58B	-5.62B	-5.92B	-4.91B	-5.13B
Sale of Property, Plant, and Equipment	363M	720M	68M	680M	847M
Cash Acquisitions	-	-	-	-	-
Investment in Marketable and Equity Securities, Total	115B	-46.26B	-102B	-226B	-84.78B
Other Investing Activities, Total	125B	131B	106B	113B	112B
Cash from Investing	234B	79.65B	-2.06B	-117B	23.44B
Long-Term Debt Issued, Total	1,069B	1,240B	1,142B	1,241B	1,255B
Total Debt Issued	1,069B	1,240B	1,142B	1,241B	1,255B
Long-Term Debt Repaid, Total	-1,024B	-1,059B	-1,112B	-1,370B	-1,033B
Total Debt Repaid	-1,024B	-1,059B	-1,112B	-1,370B	-1,033B
Issuance of Common Stock	30B	-	-	-	29.97B
Issuance of Preferred Stock	-	-	-	-	-
Common Dividends Paid	-	-	-	-	-
Common & Preferred Stock Dividends Paid	-44.99B	-52.8B	-50.65B	-59.06B	-54.28B
Common & Preferred Stock Dividends Paid	-44.99B	-52.8B	-50.65B	-59.06B	-54.28B
Other Financing Activities, Total	-50M	-3.13B	-2.29B	-3.3B	-3.03B
Cash from Financing	29.64B	125B	-22.25B	-191B	195B
Foreign Exchange Rate Adjustments	-4.34B	-2.36B	4.84B	660M	252M
Net Change in Cash	225B	-188B	-364B	126B	-18.67B
Supplemental Items
Cash Interest Paid	131B	145B	149B	145B	156B
Cash Income Tax Paid (Refund)	33.31B	33.29B	35.15B	34.26B	34.95B
Net Debt Issued / Repaid	44.68B	181B	30.69B	-129B	222B

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	0.9	1.02	1.03	0.8	0.75
Return On Equity %	11.53	12.71	12.73	9.92	9.11
Return on Common Equity	12.26	13.2	13.22	10.19	9.32
Shareholders Value Added	4.06B	11.62B	12.48B	-8.47B	-16.51B
Margin Analysis
SG&A Margin	37.9	36.07	37.42	41.96	41.09
Net Interest Income / Total Revenues %	112.71	94.73	83.83	98.18	97.83
EBT Excl. Non-Recurring Items Margin %	59.72	61.51	60.98	55.96	57.16
Income From Continuing Operations Margin %	53.16	54.5	53.33	52.04	51.19
Net Income Margin %	52.33	53.76	52.73	51.68	51
Net Avail. For Common Margin %	50.33	50.99	50.3	48.86	48.21
Normalized Net Income Margin	36.5	37.7	37.52	34.61	35.54
Asset quality
Nonperforming Loans / Total Loans %	1.51	1.3	1.34	1.17	1.15
Nonperforming Loans / Total Assets %	0.8	0.73	0.78	0.68	0.67
Nonperforming Assets / Total Assets %	0.81	0.73	0.78	0.69	0.68
NPAs / Loans and OREO	1.52	1.31	1.34	1.18	1.16
NPAs / Equity	10.23	9.06	9.56	8.67	8.01
Allowance for Credit Losses / Net Charge-offs %	259.46	608.34	338.86	285.22	315.81
Allowance for Credit Losses / Nonperforming Loans %	179.47	218.05	182.29	211.86	212.73
Allowance for Credit Losses / Total Loans %	2.7	2.84	2.43	2.49	2.44
Net Charge-offs / Total Average Loans %	1.15	-	0.81	0.98	0.83
Provision for Loan Losses / Net Charge-offs %	171.45	298.53	125.39	118.06	126.71
Earning Assets / IBL	99.39	-	99.45	100.54	102.03
Capital And Funding
Total Average Common Equity / Total Average Assets %	6.95	7.2	7.38	7.37	7.58
Total Average Equity / Total Average Assets %	7.81	8	8.12	8.06	8.23
Total Equity + Allowance for Loan Losses / Total Loans %	17.31	17.12	16.27	15.92	16.78
Gross Loans / Total Deposits %	76.27	79.66	84.85	84.89	83.58
Net Loans / Total Deposits %	74.02	77.21	82.59	82.58	81.34
Tier 1 Capital Ratio %	10.85	11.22	11.08	10.93	11.23
Total Capital Ratio %	13.47	14.39	14.44	14.13	14.28
Core Tier 1 Capital Ratio	9.33	9.81	9.81	9.76	9.75
Tier 2 Capital Ratio	2.62	-	3.35	3.19	3.05
Coverage Ratio	179.47	218.05	182.29	211.86	212.73
Interbank Ratio	22.92	26.01	22.25	28.6	27.25
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.48	1.56	1.58	1.42	1.45
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	17.36	1.51	-0.28	0.85	1.09
Non Interest Income, 1 Yr. Growth %	0.78	26.79	2.23	-16.88	-0.35
Provision For Loan Losses, 1 Yr. Growth %	29.63	-11.24	-27.3	25.48	-1.3
Total Revenues, 1 Yr. Growth %	3.64	20.78	12.69	-13.9	1.46
Earnings From Cont. Operations, 1 Yr. Growth %	1.47	23.84	10.26	-15.97	-0.21
Net Income, 1 Yr. Growth %	1.15	24.1	10.52	-15.61	0.12
Normalized Net Income, 1 Yr. Growth %	2.46	24.78	12.13	-20.56	4.17
Diluted EPS Before Extra, 1 Yr. Growth %	-0.62	22.4	2.77	-16.49	-0.26
Dividend Per Share, 1 Yr. Growth %	5.25	29.05	14.78	-12.46	1.92
Gross Loans, 1 Yr. Growth %	13.54	13.7	12.59	9.87	3.72
Allowance For Loan Losses, 1 Yr. Growth %	2.71	19.53	-3.59	12.18	1.82
Net Loans, 1 Yr. Growth %	13.95	13.56	13.08	9.79	3.77
Non Performing Loans, 1 Yr. Growth %	-3.14	-1.62	15.32	-3.48	1.41
Non Performing Assets, 1 Yr. Growth %	-3.25	-1.66	15.19	-3.35	2.26
Total Assets, 1 Yr. Growth %	10.47	8.98	7.71	9.62	3.44
Total Deposits, 1 Yr Growth %	10.8	8.86	5.71	9.81	5.35
Tangible Book Value, 1 Yr. Growth %	15.31	12.24	9.89	7.25	11.59
Average Interest Earning Assets, 1 Yr. Growth %	8.45	-	10.15	9.94	6.02
Average Interest Bearing Liabilities, 1 Yr. Growth %	8.54	-	9.76	8.75	4.47
Common Equity, 1 Yr. Growth %	15.29	12.24	9.88	7.25	11.57
Total Equity, 1 Yr. Growth %	13.67	11.12	9.07	6.66	10.63
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	22.49	9.15	0.61	0.28	0.97
Non Interest Income, 2 Yr. CAGR %	-2.35	13.04	13.85	-7.82	-8.99
Provision For Loan Losses, 2 Yr. CAGR %	27.39	7.27	-19.67	-4.49	11.29
Total Revenues, 2 Yr. CAGR %	6.98	11.88	16.67	-1.5	-6.54
Earnings From Cont. Operations, 2 Yr. CAGR %	5.12	12.1	16.85	-3.75	-8.43
Net Income, 2 Yr. CAGR %	4.84	12.04	17.11	-3.42	-8.08
Normalized Net Income, 2 Yr. CAGR %	5.91	13.07	18.28	-5.62	-9.03
Diluted EPS Before Extra, 2 Yr. CAGR %	4.02	10.29	12.16	-7.36	-8.73
Dividend Per Share, 2 Yr. CAGR %	7.81	16.54	21.71	0.24	-5.54
Gross Loans, 2 Yr. CAGR %	16.6	13.62	13.14	11.22	6.75
Allowance For Loan Losses, 2 Yr. CAGR %	6.65	10.8	7.35	4	6.88
Net Loans, 2 Yr. CAGR %	17.02	13.76	13.32	11.43	6.74
Non Performing Loans, 2 Yr. CAGR %	14.49	-2.38	6.51	5.5	-1.07
Non Performing Assets, 2 Yr. CAGR %	13.75	-2.46	6.43	5.52	-0.58
Total Assets, 2 Yr. CAGR %	8.45	9.72	8.35	8.66	6.49
Total Deposits, 2 Yr CAGR %	9.03	9.82	7.27	7.74	7.56
Tangible Book Value, 2 Yr. CAGR %	12.8	13.76	11.06	8.56	9.4
Average Interest Earning Assets, 2 Yr. CAGR %	5.19	-	-	10.05	7.96
Average Interest Bearing Liabilities, 2 Yr. CAGR %	6.05	-	-	9.25	6.59
Common Equity, 2 Yr. CAGR %	12.78	13.75	11.06	8.56	9.39
Total Equity, 2 Yr. CAGR %	14.98	12.39	10.09	7.86	8.63
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	17.51	15.05	5.91	0.69	0.55
Non Interest Income, 3 Yr. CAGR %	4.86	6.53	9.32	2.51	-5.39
Provision For Loan Losses, 3 Yr. CAGR %	28.48	12.94	-5.78	-6.79	-3.44
Total Revenues, 3 Yr. CAGR %	6.91	11.4	12.15	5.43	-0.52
Earnings From Cont. Operations, 3 Yr. CAGR %	5.44	11.02	11.48	4.69	-2.58
Net Income, 3 Yr. CAGR %	5.22	10.9	11.53	4.99	-2.26
Normalized Net Income, 3 Yr. CAGR %	5.29	11.86	12.75	3.59	-2.46
Diluted EPS Before Extra, 3 Yr. CAGR %	3.99	9.82	7.72	1.66	-5.05
Dividend Per Share, 3 Yr. CAGR %	7.26	14.47	15.95	9.05	0.8
Gross Loans, 3 Yr. CAGR %	18.06	15.62	13.27	12.04	8.67
Allowance For Loan Losses, 3 Yr. CAGR %	10.12	10.78	5.78	8.93	3.27
Net Loans, 3 Yr. CAGR %	18.42	15.86	13.53	12.13	8.81
Non Performing Loans, 3 Yr. CAGR %	16.43	8.85	3.19	3.07	4.12
Non Performing Assets, 3 Yr. CAGR %	16.26	8.36	3.1	3.07	4.42
Total Assets, 3 Yr. CAGR %	7.15	8.63	9.05	8.77	6.89
Total Deposits, 3 Yr CAGR %	6.82	8.97	8.43	8.11	6.94
Tangible Book Value, 3 Yr. CAGR %	12.73	12.61	12.46	9.77	9.56
Average Interest Earning Assets, 3 Yr. CAGR %	4.27	-	8.34	-	8.69
Average Interest Bearing Liabilities, 3 Yr. CAGR %	5.11	-	8.35	-	7.63
Common Equity, 3 Yr. CAGR %	12.7	12.6	12.45	9.77	9.55
Total Equity, 3 Yr. CAGR %	13.91	13.68	11.27	8.94	8.78
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	3.67	5.34	10.43	8.9	3.91
Non Interest Income, 5 Yr. CAGR %	11.36	10.86	8.37	0.54	1.59
Provision For Loan Losses, 5 Yr. CAGR %	10.72	5.44	6.48	5.61	0.71
Total Revenues, 5 Yr. CAGR %	3.14	7.76	10.71	6.05	4.27
Earnings From Cont. Operations, 5 Yr. CAGR %	5.97	9.06	9.87	4.86	3.04
Net Income, 5 Yr. CAGR %	5.82	8.95	9.82	4.93	3.23
Normalized Net Income, 5 Yr. CAGR %	3.66	8.17	10.31	4.51	3.48
Diluted EPS Before Extra, 5 Yr. CAGR %	3.21	6.39	7.18	2.59	0.81
Dividend Per Share, 5 Yr. CAGR %	5.63	11.15	12.82	8.55	6.82
Gross Loans, 5 Yr. CAGR %	17.71	17.02	16.07	13.84	10.62
Allowance For Loan Losses, 5 Yr. CAGR %	15.02	12.55	9	8.02	6.22
Net Loans, 5 Yr. CAGR %	17.85	17.23	16.35	14.06	10.76
Non Performing Loans, 5 Yr. CAGR %	18.8	11.91	12.36	7.5	1.47
Non Performing Assets, 5 Yr. CAGR %	18.46	11.79	12.22	7.21	1.61
Total Assets, 5 Yr. CAGR %	8.3	7.17	7.63	8.64	8.02
Total Deposits, 5 Yr CAGR %	5.39	6.38	7	8.48	8.08
Tangible Book Value, 5 Yr. CAGR %	14.27	14.17	12.05	10.98	11.22
Average Interest Earning Assets, 5 Yr. CAGR %	6.63	-	5.86	7.36	8.19
Average Interest Bearing Liabilities, 5 Yr. CAGR %	8.17	-	6.35	7.46	7.64
Common Equity, 5 Yr. CAGR %	14.23	14.15	12.04	10.97	11.21
Total Equity, 5 Yr. CAGR %	14.51	14.4	12.37	11.32	10.21