2017 Interim Results Announcement. Beijing / Hong Kong

Transcription

1 2017 Interim Results Announcement 17 Beijing / Hong Kong

2 Disclaimer This information was prepared by the China Construction Bank Corporation ( CCB or the Bank ), without being independently verified. This information is not to express or imply any representation or warranty, accuracy, fairness or integrity of the information expressed or contained and the information is not and should not be relied upon. The advisors or representatives will not bear any responsibility as expressed in this information or any information contained in any manner whatsoever for any loss caused by the Bank and any of its affiliates, advisors or representatives. Please do not rely on any forward-looking statements, information or language of such nature contained herein. 2

3 Financial Highlights Business Development Risk Management Outlook

4 Key Financials 30 June December 2016 Change Total assets 21, , % Gross loans and advances to customers 12, , % Total liabilities 20, , % Deposits from customers 16, , % Non-performing loan ratio 1.51% 1.52% 0.01pps January June 2017 January June 2016 Y-o-Y Change Operating income % Net interest income % Net fee and commission income % Net profit % Earnings per share (RMB Yuan) % 4

5 Stable growth in profitability Netprofitupby3.8%YoY TheGroup snetinterestmarginrebounded 2.30% 2.25% 2.20% 2.20% 2.15% 2.13% 2.14% 2.10% 2.05% 2.00% 1-4Q2016 1Q Q2017 Netinterestmargin 5

6 Steady growth in revenue Netinterestincomeachievedpositivegrowth Netfeeandcommissionincomeupby1.3%YoY 6

7 Strengthened cost control Operatingexpensesdownby10.8%YoY Sufficientprovisionsforimpairment Staff costs 1H2016 Taxes and surcharges 1H2017 Premises and equipment expenses Others 7

8 Financial Highlights Business Development Risk Management Outlook

9 Supported key areas of the real economy Loanstoinfrastructuresectorsupby11.3% Leadinginsmallandmicroenterprisecustomers 9

10 Maintained leading position in personal loans No.1amongpeersinbalanceofresidentialmortgagesand individualprovidenthousingfundloans Rapidgrowthinconsumerloans 10

11 Further promoted internet-based financing E-financebusinessrealised fastgrowth InnovationandapplicationofFintech (10,000) 23,676 22,321 25,287 24,418 Public cloud+private cloud Hybridcloudapplication Smartequipment Smart customer service Safeproductinnovations 3,623 4,268 Biometricsapplication WeChatbankingusers(accountsattachedtotheApp) Mobilebankingusers Personalonlinebankingusers 11 Constructionofsmartbankingstores

12 Continuous improvement in comprehensive financial services Rapidgrowthinassetsandnetprofit ofintegratedoperationsubsidiaries Promotedthedevelopmentofassetmanagementand investmentbanking AssetsundercustodyclosetoRMB10trillion,upby 7.3% Wealthmanagementservicefeesupby9.3%YoY Globalassetmanagementplatform Innovativelylaunched InvestmentConnect product No.1inthemarketinallbondsandnon-financial bondsunderwriting Amongthefirstbatchtoconduct BondConnect underwriting Debt-to-equitySwap ledthemarket 12

13 Steadily promoted international and overseas business Netprofitofoverseascommercialbanksup by86.7%yoy Steadyimprovementinoverseasservicecapabilities overseasentitiesin29countriesandregions 4.5 Headofficelevelcorrespondentbanksin132countries andregions Supporting GoingGlobal strategy,serving the BeltandRoadInitiative Cross-bordere+ - thecomprehensivefinancial serviceplatformforcross-bordere-commerce 1.5 Incomefrominternationalsettlementrankedfirstin themarket 0.0 1H2016 Netprofit 1H2017 CCBLondonbecamethelargestRMBclearingbank outsideasia 13

14 Completion of the New Generation Core Banking System construction NewGenerationCoreBankingSystem EnhancedcorecompetitivenessintheInternetera Innovated in enterprise-level ITsupportplatform Processes,data,productsanduserexperiencemodelsat thegrouplevel The centralised +distributed integrationstructure Launchofmorethan13,000innovationsandoptimised functions Establishedenterprise-leveldatamanagementand applicationsystem Shared unified data view Data visualisation management Big data application Flexibleandefficientproductinnovation Professionalmarketingservices Transformationofsmartoutlets Differentiatedandconsolidatedpricingservice Intensivebusinessoperation Comprehensiveriskpreventionandcontrol Refinedmanagement Convenientdataapplication Integratedsupportforsubsidiarieshomeandabroad 14

15 Financial Highlights Business Development Risk Management Outlook

16 Continuous optimisation of credit structure Continuedtoadjustcreditstructure Industrieswith severe overcapacity Local government vehicles Note:Industrieswithsevereovercapacityincludesteel,cement,electrolyticaluminum,plateglass,andshipbuilding. 16 Incrementalloanbalance

17 Steady improvement in asset quality DeclineinNPLindicators Provisioncoverageratioincreased 1.75% 3.00% 1.65% 2.87% 2.84% 2.80% 1.55% 1.52% 1.51% 2.60% 1.45% 1.51% 1.49% 2.40% 1.35% 2.20% 1.25% % NPL ratio Overdueloanratio Specialmention loanratio(rightaxis) 17

18 Continuous improvement in liquidity risk and capital management Maintainedreasonableliquidityratios Leadingpositiononcapitaladequacyratio amongpeers Common Equity Tier1 ratio Tier1 ratio Total capital ratio Common Equity Tier1 ratio Tier1 ratio Total capital ratio 18

19 Financial Highlights Business Development Risk Management Outlook

20 To support the real economy, prevent financial risks, deepen reform and innovation, and improve business performance Opportunities Continuousandsmoothrecoveryoftheglobaleconomy Steadyandrelativelyrapidgrowthofthedomesticeconomy Preliminaryresultsfromthesupply-sidestructuralreform OrderlyprogressofChina s financialreform Ongoingboominfintechapplication Challenges Potentialinstabilityanduncertaintyintheglobaleconomy Lingeringin-depthimpactoftheglobalfinancialcrisis Countermeasures Improveservicestosupporttherealeconomydevelopment Optimizebusinessstructuretoacceleratedevelopmentof consumerfinance Strengthenclientbasetoboostdevelopmentofliabilitybusiness Persistinadoptingmultiplemeasurestopromotesteadygrowth ofnetfeeandcommissionincome Improvepricingabilitytoeffectivelyachievebalancebetween volumeandprice Strengthenriskmanagementandcompliancetoensuresound operation Advanceprogressinapplicationofnewgenerationcorebanking systemtobuildcorecompetitiveness Intrinsicgrowthmomentumofdomesticeconomytobe furtherstrengthened Concernsofhiddenfinancialrisks Tighteningfinancialregulations 20