Expressed in millions of RMB unless otherwise stated)

2014

2013

Change

For the year

Change(%)

Operating income

556,740

511,140

8.92

Profit before tax

299,086

279,806

6.89

Net profit

228,247

215,122

6.10

Net profit attributable to shareholders of the Bank

227,830

214,657

6.14

As at 31 December

Change(%)

Total assets

16,744,130

15,363,210

8.99

Total liabilities

15,491,767

14,288,881

8.42

Total equity attributable to shareholders of the Bank

1,242,179

1,065,951

16.53

Issued and paid-in capital

250,011

250,011

-

Per share(in RMB)

Change(%)

Basic and diluted earnings per share

0.91

0.86

    5.81

Final cash dividend proposed after the balance sheet date

0.301

0.30

0.33

Net assets per share

5.01

4.30

16.51

Financial ratios (%)

Change+/(-)

Profitability indicators

Return on average assets1

1.42

1.47

(0.05)

Return on average equity

19.74

21.23

(1.49)

Net interest spread

2.61

2.56

0.05

Net interest margin

2.80

2.74

0.06

Net fee and commission income to operating income

19.49

20.40

(0.91)

Cost-to-income ratio

28.92

29.65

(0.73)

Loan-to-deposit ratio

73.45

70.28

3.17

Capital adequacy indicators

Core capital adequacy ratio2

12.12

10.75

1.37

Capital adequacy ratio2

14.87

13.34

      1.53

Total equity to total assets

7.48

6.99

0.49

Asset quality indicators

Non-performing loan ratio

1.19

0.99

0.20

Allowances to non-performing loans

222.33

268.22

(45.89)

Allowances to total loans

2.66

2.66

(0.03)