Net profit for the three months ended December rose to 96.5 billion yuan ($15.20 billion) from 87.2 billion yuan a year earlier, it said in an stock exchange filing.

Profit for the full year increased 10.3% to 348.3 billion yuan, above a Refinitiv estimate of 332.427 billion yuan drawn from 23 analysts.

($1 = 6.3489 Chinese yuan renminbi)

(Reporting by Zhang Yan, Engen Tham; editing by Jason Neely)