2012年经营情况汇报——董事会材料

《2012年经营情况汇报——董事会材料》由会员上传分享，免费在线阅读，更多相关内容在工程资料-天天文库。

1、2012ResultsBriefingofChinaCITICBankCorporationLimitedMarch20131ContentsI.FinancialPerformanceII.BusinessDevelopmentIII.Outlook2PartIFinancialPerformance3I.FinancialPerformanceMajorindicatorsUnit:RMB100millionChangefromyearScaleindicatorsAttheendof2012Grow

2、thratebeginningTotalassets29599+19417.0%Depositsfromcustomer22551+287114.6%Loanstocustomer16629+228916.0%QualityindicatorsAttheendof2012ChangefromyearbeginningNPLs122.6+37.1NPLratio0.74%+0.14percentagepointProvisioncoverageratio288.2%+15.9percentagepointsP

3、rovisiontoloanratio2.12%+0.5percentagepointPerformanceindicators2012YoyincreaseYoygrowthrateNetprofitattributabletoshareholders310.3+2.10.7%Netinterestincome754.9+103.815.9%Netnon-interestincome139.5+21.117.8%Percentageofnon-interestincome15.6%+0.2percenta

4、gepointNetinterestMargin2.81%-0.2percentagepointCost-to-incomeratio31.5%+1.7percentagepointsSupervisoryindicatorsAttheendof2012ChangefromyearbeginningCapitaladequacyratio13.4%+1.2percentagepointsLoan-to-depositratio(Bank,timepoint)73.6%+0.6percentagepoint4

5、I.FinancialPerformance1.BusinessexpandedsteadilyDepositsfromCustomerTotalassetsLoanstocustomerUnit:RMB100millionUnit:RMB100millionUnit:RMB100million201020112012201020112012201020112012CustomerdepositsreachedtoTotalassetsclosetoRMB3trillionCustomerloansR

6、MB1,662.9billionRMB2,255.1billionIncrementofRMB194.1billionIncreasedbyRMB228.9billion,IncreasedbyRMB287.1billion,incrementofRMB59.1billionyearonyearGrowthrate7.0%incrementofRMB49.9billionyearonyearGrowthrate16.0%Growthrate14.6%5I.FinancialPerformance

7、2.ProfitsremainstablePre-provisionprofitandnetprofitRateofreturnUnit:RMB100million547488201220112010Returnontotal3391.10%1.27%1.13%assetsReturnonequity16.7%21.1%19.2%BasicEPS(RMB)0.660.710.53201020112012NetprofitPre-provisionprofitNetprofitreachedtoRMB31.

8、0billion,anincrementofRMB200million,growthrate0.7%Pre-provisionprofitreachedtoRMB54.7billion,anincrementofRMB5.9billion,growthrate12.1%6I.FinancialPerformance2.ProfitsremainstableNetoperatingincomeUnit:RMB10