ICBC (Industrial and Commercial Bank of China)  China

Financial Data

Below is a list of financial results for Industrial and Commercial Bank of China, Beijing. (Bank Holding Company)
There are 30 years of financial data for this bank.
Financial Datapoint 201620172018
Cash and Balance at Central Bank(s) $482,127 m $555,126 m $492,346 m
Gross Total Loans $1,889,895 m $2,262,662 m $2,251,081 m
Loans and Advances to Financial Institutions $114,808 m $130,201 m $140,503 m
Loans and Advances to Corporate Customers $1,171,321 m $1,372,790 m $1,375,021 m
Loans and Advances to Retail Customers $603,765 m $759,670 m $822,857 m
Allowance for Loan Losses $41,720 m $52,301 m $60,317 m
Net Loans $1,848,174 m $2,210,361 m $2,190,763 m
Mortgages $861,385 m $995,514 m $670,067 m
Trading Securities $46,355 m $67,732 m n/a
Available-for-Sale Securities $250,688 m $229,869 m n/a
Held-to-Maturity Securities $427,775 m $544,114 m n/a
Derivatives (Assets) $13,590 m $13,673 m n/a
Total Assets $3,472,987 m $4,007,226 m $4,043,728 m
Average Assets $3,447,570 m $3,740,107 m $4,025,477 m
High Quality Liquid Assets $691,189 m $738,829 m n/a
Gross Impaired Loans $30,474 m $33,945 m $34,318 m
Deposits made by the Central Bank $78 m $70 m $70 m
Gross Total Deposits $2,820,949 m $3,171,174 m $3,125,391 m
Retail Customer Deposits $1,171,263 m $1,287,266 m $1,377,579 m
Deposits by Banks $290,186 m $262,142 m $264,889 m
Corporate Customer Deposits $1,359,499 m $1,621,764 m $1,676,078 m
Total Senior Debt $54,899 m $77,742 m $90,195 m
Short Term Senior Debt $32,956 m $44,508 m $13,437 m
Long Term Senior Debt $21,942 m $33,234 m $76,758 m
Derivatives (Liabilities) $12,943 m $12,066 m n/a
Trading Liabilities $52,770 m n/a n/a
Subordinated Liabilities $28,030 m $43,180 m n/a
Long Term Subordinated Debt $28,030 m $43,180 m n/a
Total Liabilities $3,187,928 m $3,678,339 m $3,701,409 m
Total Equity $285,059 m $328,887 m $342,318 m
Average Equity $281,244 m $306,973 m $335,602 m
Financial Datapoint 201620172018
Net Interest Income $67,891 m $80,196 m $83,579 m
Interest Income $113,882 m $132,349 m $138,407 m
Interest Expenses $45,990 m $52,153 m $54,828 m
Net Non-Interest Income $24,811 m $24,043 m $22,277 m
Net Fee and Commission Income $20,859 m $21,447 m $21,211 m
Net Trading Income $1,390 m $883 m $415 m
Unrealized Gains or Losses on Financial Instruments Designated at Fair Value $-14 m $-73 m $196 m
Other Non-Interest Income $2,576 m $1,785 m $454 m
Total Operating Income $92,702 m $104,240 m $105,857 m
Total Impairment Charges and Provisions $12,646 m $19,626 m $23,590 m
Loan Impairment Provisions $12,405 m $19,062 m $21,510 m
Other Financial Assets Impairment Provisions $84 m $26 m n/a
Other Impairment Charges and Provisions $157 m $537 m n/a
Net Operating Income $80,056 m $84,613 m $82,214 m
Operating Costs $25,380 m $26,470 m $28,350 m
Staff Expenses $16,309 m $17,658 m $17,675 m
General and Administrative Expenses (excluding depreciation) $9,070 m $8,812 m $1,997 m
Pre-Tax Profits $52,270 m $56,012 m $54,366 m
Taxes $12,111 m $11,857 m $10,757 m
Net Income $40,159 m $44,155 m $43,609 m
Basic Earnings per Share ($) 0.02 0.02 0.12
Diluted Earnings per Share ($) 0.02 0.02 0.12
Dividend per Share ($) 0.01 0.06 0.30
Financial Datapoint 201620172018
Core Tier 1 or CET 1 $271,444 m $314,038 m $328,032 m
Adjustments to CET1 $-1,663 m $-2,193 m n/a
Net CET1 $269,780 m $311,844 m n/a
Additional Tier 1 $11,481 m $12,281 m $11,694 m
Tier 1 Capital $281,261 m $324,125 m $337,539 m
Tier 2 Capital $24,847 m $45,600 m $48,575 m
Total Risk-Weighted Assets $2,095,628 m $2,442,826 m $2,509,633 m
Credit Risk-Weighted Assets $1,891,290 m $2,190,594 m $2,271,242 m
Market Risk-Weighted Assets $32,985 m $53,404 m $53,807 m
Operational Risk-Weighted Assets $171,352 m $187,877 m $184,584 m
Off-Balance Sheet Risk-Weighted Assets n/a $10,949 m n/a
Counterparty Credit Risk $287,928 m $189,679 m $276,505 m
BIS Capital Adequacy Ratio (Core Tier1 %) 12.87 % 12.77 % 12.98 %
BIS Capital Adequacy Ratio (Tier 1) 13.42 % 13.27 % 13.45 %
BIS Capital Adequacy Ratio (Total) 14.61 % 15.14 % 15.39 %
Financial Datapoint 201620172018
Return on Assets 1.51 % 1.40 % 1.08 %
Return on Capital 18.58 % 17.28 % 12.92 %
Return on Equity 18.34 % 17.03 % 12.74 %
Return on RWA 2.49 % 2.29 % 1.74 %
Net Interest Margin 2.16 % 2.22 % 2.30 %
Profit Margin 56.38 % 53.73 % 51.36 %
Net Interest Income to Average Assets 2.04 % 2.08 % 2.13 %
Net Income to Average Assets 1.20 % 1.14 % 1.11 %
Net Income to Average Equity 14.76 % 13.95 % 13.32 %
Assets Utilisation 2.78 % 2.70 % 2.70 %
Equity Multiplier 12.26 % 12.18 % 11.99 %
Non-Performing Loans (NPL%) 1.62 % 1.55 % 1.52 %
Gross Impaired Loans to Gross Total Loans 1.61 % 1.50 % 1.52 %
Total Impairment Charges as a % of Total Operating Income 13.64 % 18.83 % 22.29 %
Total Impairment Charges as a % of Gross Total Loans 0.67 % 0.87 % 1.05 %
Cash Held as % Total Deposits 17.09 % 17.51 % 15.75 %
Loans to Assets Ratio 54.42 % 56.46 % 55.67 %
Loans to Deposits Ratio 66.99 % 71.35 % 72.03 %
Liquidity Coverage Ratio 139.75 % 129.02 % 126.66 %
Net Stable Funding Ratio n/a n/a 126.62 %
Capital Assets Ratio 8.10 % 8.09 % 8.35 %
Debt to Equity Ratio 1,118.34 % 1,118.42 % 1,081.28 %
Total Senior Debt to Total Equity 19.26 % 23.64 % 26.35 %
Short Term Senior Debt to Total Equity 11.56 % 13.53 % 3.93 %
Long Term Senior Debt to Total Equity 7.70 % 10.11 % 22.42 %
Total Senior Debt to Total Liabilities 1.72 % 2.11 % 2.44 %
Total Senior Debt plus Subordinated Liabilities to Total Liabilities 2.60 % 3.29 % 2.44 %
Total Liabilities to Total Assets 91.79 % 91.79 % 91.53 %
Cost/Income Ratio 27.38 % 25.39 % 26.78 %
Staff Costs as a % of Total Operating Expenses 64.26 % 66.71 % 62.34 %
General and Admin Expenses as a % of Total Operating Expenses 35.74 % 33.29 % 7.04 %
Pre-Tax Profit per $ of Staff Costs 3.20 3.17 3.08
Loan Coverage Ratio 136.39 % 154.07 % 175.76 %
Allowance for Loan Losses to Gross Total Loans 2.21 % 2.31 % 2.68 %
RWA Density 60.34 % 60.96 % 62.06 %
Credit Risk to Total RWA 90.25 % 89.67 % 90.50 %
Market Risk to Total RWA 1.57 % 2.19 % 2.14 %
Operational Risk to Total RWA 8.18 % 7.69 % 7.36 %
Counterparty Credit Risk to Credit Risk Weighted Assets 15.22 % 8.66 % 12.17 %
Counterparty Credit Risk to Total Risk Weighted Assets 13.74 % 7.76 % 11.02 %
High Quality Liquid Assets to Total Assets 19.90 % 18.44 % n/a
Net Interest Income to Total Operating Income 73.24 % 76.93 % 78.95 %
Net Fee and Commission Income to Total Operating Income 22.50 % 20.58 % 20.04 %
Net Trading Income to Total Operating Income 1.50 % 0.85 % 0.39 %
Net Non-Interest Income to Total Operating Income 26.76 % 23.07 % 21.05 %
Financial Datapoint 201620172018
Total Number of Customers 535,784,000 567,621,000 614,033,000
Number of Retail Customers 530,000,000 56,141,100 607,000,000
Number of Corporate Customers 5,784,000 6,210,000 7,033,000
Number of ATMs 100,083 95,043 89,646
Point of Sale Terminals (POS) n/a n/a 1,352,219
Number of Online Customers 240,000,000 691,160,000 449,100,000
Number of Cards Issued n/a 908,000,000 991,000,000
Number of Mobile Customers 253,000,000 282,000,000 313,000,000
Employees (Domestic) 441,527 432,022 n/a
Employees (Overseas) 20,222 21,026 n/a
Employees (Total) 461,749 453,048 449,296
Branches (Domestic) 16,733 16,353 n/a
Branches (Overseas) 520 535 n/a
Branches (Total) 17,253 16,888 16,820
Compliance Information 2016 2017 2018
KPMG KPMG KPMG
No No No
Yes Yes Yes
Yes Yes Yes
No No No
No No No
3 3 3