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Market Closed -
Other stock markets
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5-day change | 1st Jan Change | ||
| 5.140 HKD | 0.00% |
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-0.77% | -3.38% |
| Fiscal Period: December | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
Profitability | ||||||||||
Return on Assets | 0.6 | 0.64 | 0.64 | 0.58 | 0.53 | |||||
Return On Equity % | 10.56 | 10.42 | 10.53 | 9.7 | 8.72 | |||||
Return on Common Equity | 11 | 10.35 | 10 | 9.1 | 8.08 | |||||
Shareholders Value Added | -3B | -5.98B | -9B | -20.48B | -32.59B | |||||
Margin Analysis | ||||||||||
SG&A Margin | 25.18 | 69.36 | 24.73 | 24.05 | 23.52 | |||||
Net Interest Income / Total Revenues % | 107.3 | 99.33 | 91.18 | 88.97 | 89.22 | |||||
EBT Excl. Non-Recurring Items Margin % | 28.85 | 29.71 | 30.45 | 28.92 | 29.49 | |||||
Income From Continuing Operations Margin % | 27.24 | 28.22 | 28.45 | 27.28 | 27.04 | |||||
Net Income Margin % | 27.19 | 28.09 | 28.4 | 27.24 | 26.96 | |||||
Net Avail. For Common Margin % | 26.09 | 26.14 | 26.17 | 25.56 | 24.99 | |||||
Normalized Net Income Margin | 17.98 | 18.44 | 18.99 | 18.03 | 18.36 | |||||
Asset quality | ||||||||||
Nonperforming Loans / Total Loans % | 0.88 | 0.79 | 0.84 | 0.83 | 0.9 | |||||
Nonperforming Loans / Total Assets % | 0.44 | 0.42 | 0.43 | 0.43 | 0.47 | |||||
Nonperforming Assets / Total Assets % | 0.45 | 0.42 | 0.43 | 0.43 | 0.47 | |||||
NPAs / Loans and OREO | 0.88 | 0.79 | 0.84 | 0.83 | 0.9 | |||||
NPAs / Equity | 7.51 | 6.64 | 7.37 | 7.06 | 7.79 | |||||
Allowance for Credit Losses / Net Charge-offs % | - | - | - | - | - | |||||
Allowance for Credit Losses / Nonperforming Loans % | 404.82 | 414.51 | 383.17 | 346.35 | 285.19 | |||||
Allowance for Credit Losses / Total Loans % | 3.57 | 3.26 | 3.23 | 2.87 | 2.57 | |||||
Net Charge-offs / Total Average Loans % | - | - | - | - | - | |||||
Provision for Loan Losses / Net Charge-offs % | - | - | - | - | - | |||||
Earning Assets / IBL | 103.64 | 103.64 | 101.44 | 101.37 | 101.11 | |||||
Interest Income / Average Assets | 3.8 | 3.74 | 3.54 | 3.33 | 3.09 | |||||
Interest Expense / Average Assets | 1.49 | 1.51 | 1.5 | 1.45 | 1.35 | |||||
Net Interest Income / Average Assets | 2.31 | 2.23 | 2.04 | 1.88 | 1.74 | |||||
Non Interest Income / Average Assets | 0.3 | 0.4 | 0.46 | 0.41 | 0.38 | |||||
Non Interest Expense / Average Asset | 1.53 | 1.58 | 1.56 | 1.5 | 1.38 | |||||
Capital And Funding | ||||||||||
Total Average Common Equity / Total Average Assets % | 5.19 | 5.72 | 5.89 | 5.97 | 6.05 | |||||
Total Average Equity / Total Average Assets % | 5.65 | 6.13 | 6.08 | 5.98 | 6.06 | |||||
Total Equity + Allowance for Loan Losses / Total Loans % | 15.32 | 15.13 | 14.66 | 14.58 | 14.12 | |||||
Gross Loans / Total Deposits % | 54.72 | 58.14 | 56.35 | 57.99 | 57.79 | |||||
Net Loans / Total Deposits % | 52.77 | 56.24 | 54.53 | 56.32 | 56.31 | |||||
Tier 1 Capital Ratio % | 11.86 | 12.39 | 11.29 | 11.61 | 11.89 | |||||
Total Capital Ratio % | 13.88 | 14.78 | 13.82 | 14.23 | 14.44 | |||||
Core Tier 1 Capital Ratio | 9.6 | 9.92 | 9.36 | 9.53 | 9.56 | |||||
Tier 2 Capital Ratio | 2.02 | 2.39 | 2.53 | 2.63 | 2.55 | |||||
Coverage Ratio | 404.77 | 414.68 | 382.56 | 346 | 284.8 | |||||
Interbank Ratio | 389.33 | 274.16 | 227.65 | 209.03 | 222.65 | |||||
Fixed Charges Coverage | ||||||||||
EBT + Interest Expense / Interest Expense | 1.42 | 1.45 | 1.46 | 1.42 | 1.43 | |||||
Growth Over Prior Year | ||||||||||
Net Interest Income, 1 Yr. Growth % | 4.41 | 6.32 | 1.56 | 3 | 1.53 | |||||
Non Interest Income, 1 Yr. Growth % | -3.69 | 51.26 | 24.28 | -1.12 | 3.11 | |||||
Provision For Loan Losses, 1 Yr. Growth % | -9 | -7.46 | -24.25 | -25.93 | 8.62 | |||||
Total Revenues, 1 Yr. Growth % | 6.5 | 15.4 | 10.13 | 5.56 | 1.25 | |||||
Earnings From Cont. Operations, 1 Yr. Growth % | 5.38 | 18.99 | 11.53 | 1.25 | 0.34 | |||||
Net Income, 1 Yr. Growth % | 5.36 | 18.65 | 11.89 | 1.23 | 0.24 | |||||
Normalized Net Income, 1 Yr. Growth % | 6.87 | 19.73 | 12.71 | 0.22 | 3.13 | |||||
Diluted EPS Before Extra, 1 Yr. Growth % | -1.31 | 9.85 | 9.13 | -2.34 | -2.64 | |||||
Dividend Per Share, 1 Yr. Growth % | -0.81 | 18.66 | 4.24 | 1.2 | 0.23 | |||||
Gross Loans, 1 Yr. Growth % | 14.92 | 12.34 | 11.72 | 13.02 | 9.38 | |||||
Allowance For Loan Losses, 1 Yr. Growth % | 22.74 | 6.64 | 7.3 | 0.4 | -1.96 | |||||
Net Loans, 1 Yr. Growth % | 14.65 | 12.55 | 11.87 | 13.44 | 9.71 | |||||
Non Performing Loans, 1 Yr. Growth % | 17.56 | 4.6 | 15.28 | 11.07 | 19.06 | |||||
Non Performing Assets, 1 Yr. Growth % | 17.47 | 4.53 | 15.16 | 10.96 | 18.97 | |||||
Total Assets, 1 Yr. Growth % | 11.12 | 10.87 | 11.75 | 11.8 | 8.64 | |||||
Total Deposits, 1 Yr Growth % | 11.56 | 10.2 | 11.16 | 9.83 | 9.76 | |||||
Tangible Book Value, 1 Yr. Growth % | 25.85 | 19.77 | 10.05 | 15.88 | 7.82 | |||||
Average Interest Earning Assets, 1 Yr. Growth % | 9.07 | 9.18 | 8.84 | 12.41 | 9.51 | |||||
Average Interest Bearing Liabilities, 1 Yr. Growth % | 8.71 | 9.18 | 11.2 | 12.49 | 9.79 | |||||
Common Equity, 1 Yr. Growth % | 25.79 | 19.6 | 10.45 | 15.85 | 7.83 | |||||
Total Equity, 1 Yr. Growth % | 23.5 | 18.22 | 3.8 | 15.84 | 7.84 | |||||
Compound Annual Growth Rate Over Two Years | ||||||||||
Net Interest Income, 2 Yr. CAGR % | 4.03 | 5.36 | 3.91 | 2.28 | 2.26 | |||||
Non Interest Income, 2 Yr. CAGR % | 11.97 | 18.64 | 36.52 | 10.86 | 0.98 | |||||
Provision For Loan Losses, 2 Yr. CAGR % | -4.63 | -8.23 | -16.28 | -25.1 | -10.3 | |||||
Total Revenues, 2 Yr. CAGR % | 7.29 | 10.59 | 12.73 | 7.82 | 3.38 | |||||
Earnings From Cont. Operations, 2 Yr. CAGR % | 10.81 | 11.98 | 15.2 | 6.27 | 0.79 | |||||
Net Income, 2 Yr. CAGR % | 10.78 | 11.81 | 15.22 | 6.42 | 0.73 | |||||
Normalized Net Income, 2 Yr. CAGR % | 13.29 | 12.17 | 15.83 | 6.28 | 1.66 | |||||
Diluted EPS Before Extra, 2 Yr. CAGR % | 7.27 | 4.12 | 9.49 | 3.24 | -2.49 | |||||
Dividend Per Share, 2 Yr. CAGR % | 3.75 | 8.49 | 11.22 | 2.71 | 0.71 | |||||
Gross Loans, 2 Yr. CAGR % | 12.82 | 15.99 | 12.31 | 12.37 | 11.18 | |||||
Allowance For Loan Losses, 2 Yr. CAGR % | 25.82 | 14.66 | 6.84 | 3.79 | -0.79 | |||||
Net Loans, 2 Yr. CAGR % | 12.41 | 16.03 | 12.51 | 12.65 | 11.56 | |||||
Non Performing Loans, 2 Yr. CAGR % | 16.85 | 10.89 | 9.81 | 13.16 | 15 | |||||
Non Performing Assets, 2 Yr. CAGR % | 16.79 | 10.81 | 9.72 | 13.04 | 14.9 | |||||
Total Assets, 2 Yr. CAGR % | 9.23 | 11 | 11.31 | 11.77 | 10.2 | |||||
Total Deposits, 2 Yr CAGR % | 9.56 | 10.88 | 10.67 | 10.49 | 9.79 | |||||
Tangible Book Value, 2 Yr. CAGR % | 21.21 | 22.58 | 14.77 | 12.93 | 11.78 | |||||
Average Interest Earning Assets, 2 Yr. CAGR % | 9.26 | 9.13 | 9.01 | 10.61 | 10.95 | |||||
Average Interest Bearing Liabilities, 2 Yr. CAGR % | 8.24 | 8.94 | 10.19 | 11.84 | 11.13 | |||||
Common Equity, 2 Yr. CAGR % | 20.95 | 22.66 | 14.94 | 13.12 | 11.77 | |||||
Total Equity, 2 Yr. CAGR % | 18.99 | 20.83 | 10.78 | 9.66 | 11.77 | |||||
Compound Annual Growth Rate Over Three Years | ||||||||||
Net Interest Income, 3 Yr. CAGR % | 10.44 | 4.79 | 4.08 | 3.61 | 2.03 | |||||
Non Interest Income, 3 Yr. CAGR % | -3.37 | 22.37 | 21.53 | 22.6 | 8.21 | |||||
Provision For Loan Losses, 3 Yr. CAGR % | 23.53 | -5.59 | -13.92 | -19.63 | -15.22 | |||||
Total Revenues, 3 Yr. CAGR % | 6.02 | 9.75 | 10.61 | 10.28 | 5.58 | |||||
Earnings From Cont. Operations, 3 Yr. CAGR % | 10.47 | 13.47 | 11.83 | 10.35 | 4.25 | |||||
Net Income, 3 Yr. CAGR % | 10.42 | 13.34 | 11.83 | 10.35 | 4.32 | |||||
Normalized Net Income, 3 Yr. CAGR % | 9.98 | 14.75 | 12.76 | 10.37 | 5.22 | |||||
Diluted EPS Before Extra, 3 Yr. CAGR % | 6.4 | 8.13 | 5.76 | 5.4 | 1.24 | |||||
Dividend Per Share, 3 Yr. CAGR % | 12.33 | 8.5 | 7.05 | 7.77 | 1.88 | |||||
Gross Loans, 3 Yr. CAGR % | 16.34 | 14.22 | 13.17 | 12.55 | 11.36 | |||||
Allowance For Loan Losses, 3 Yr. CAGR % | 32.04 | 19.24 | 11.89 | 4.64 | 1.83 | |||||
Net Loans, 3 Yr. CAGR % | 15.89 | 14.06 | 13.22 | 12.82 | 11.66 | |||||
Non Performing Loans, 3 Yr. CAGR % | 22.69 | 12.62 | 12.34 | 10.23 | 15.09 | |||||
Non Performing Assets, 3 Yr. CAGR % | 22.57 | 12.55 | 12.25 | 10.13 | 14.99 | |||||
Total Assets, 3 Yr. CAGR % | 8 | 9.77 | 11.25 | 11.47 | 10.72 | |||||
Total Deposits, 3 Yr CAGR % | 8.79 | 9.77 | 10.97 | 10.39 | 10.24 | |||||
Tangible Book Value, 3 Yr. CAGR % | 17.87 | 20.6 | 18.35 | 15.14 | 11.2 | |||||
Average Interest Earning Assets, 3 Yr. CAGR % | 10.16 | 9.24 | 9.03 | 10.13 | 10.24 | |||||
Average Interest Bearing Liabilities, 3 Yr. CAGR % | 7.44 | 8.55 | 9.69 | 10.95 | 11.16 | |||||
Common Equity, 3 Yr. CAGR % | 17.65 | 20.5 | 18.45 | 15.24 | 11.33 | |||||
Total Equity, 3 Yr. CAGR % | 15.98 | 18.73 | 14.87 | 12.44 | 9.05 | |||||
Compound Annual Growth Rate Over Five Years | ||||||||||
Net Interest Income, 5 Yr. CAGR % | 7.17 | 11.32 | 7.78 | 3.78 | 3.35 | |||||
Non Interest Income, 5 Yr. CAGR % | 23.86 | 8.64 | 10.95 | 18.24 | 12.85 | |||||
Provision For Loan Losses, 5 Yr. CAGR % | 14.48 | 22.51 | 5.73 | -13.93 | -12.49 | |||||
Total Revenues, 5 Yr. CAGR % | 7.43 | 9.45 | 8.66 | 9.08 | 7.66 | |||||
Earnings From Cont. Operations, 5 Yr. CAGR % | 13.03 | 13.98 | 12.34 | 10.53 | 7.28 | |||||
Net Income, 5 Yr. CAGR % | 12.99 | 13.86 | 12.32 | 10.52 | 7.25 | |||||
Normalized Net Income, 5 Yr. CAGR % | 10.42 | 13.24 | 12.29 | 11.53 | 8.18 | |||||
Diluted EPS Before Extra, 5 Yr. CAGR % | 3.11 | 7.2 | 7.63 | 6.14 | 2.38 | |||||
Dividend Per Share, 5 Yr. CAGR % | - | 27.4 | 11.88 | 6.15 | 4.47 | |||||
Gross Loans, 5 Yr. CAGR % | 18.25 | 17.32 | 14.71 | 12.66 | 12.37 | |||||
Allowance For Loan Losses, 5 Yr. CAGR % | 28.04 | 25.05 | 21.32 | 12.65 | 6.64 | |||||
Net Loans, 5 Yr. CAGR % | 17.97 | 17.11 | 14.53 | 12.66 | 12.55 | |||||
Non Performing Loans, 5 Yr. CAGR % | 20.44 | 14.91 | 17.37 | 12.83 | 13.39 | |||||
Non Performing Assets, 5 Yr. CAGR % | 20.53 | 14.86 | 17.26 | 12.75 | 13.3 | |||||
Total Assets, 5 Yr. CAGR % | 9.25 | 8.78 | 9.31 | 10.57 | 10.83 | |||||
Total Deposits, 5 Yr CAGR % | 10.31 | 8.75 | 9.54 | 10.06 | 10.5 | |||||
Tangible Book Value, 5 Yr. CAGR % | 18.41 | 16.69 | 16.62 | 17.53 | 15.68 | |||||
Average Interest Earning Assets, 5 Yr. CAGR % | 10.17 | 10.19 | 9.7 | 9.78 | 9.8 | |||||
Average Interest Bearing Liabilities, 5 Yr. CAGR % | 10.12 | 8.06 | 8.53 | 9.86 | 10.26 | |||||
Common Equity, 5 Yr. CAGR % | 18.2 | 16.58 | 16.56 | 17.49 | 15.73 | |||||
Total Equity, 5 Yr. CAGR % | 19.96 | 18.06 | 13.87 | 15.01 | 13.62 |
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