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 31 years of financial data for this bank.
Financial Datapoint 201720182019
Cash and Balance at Central Bank(s) $555,126 m $492,346 m $474,666 m
Gross Total Loans $2,262,662 m $2,338,382 m $2,545,146 m
Loans and Advances to Financial Institutions $130,201 m $140,503 m $147,848 m
Loans and Advances to Corporate Customers $1,372,790 m $1,375,021 m $1,484,047 m
Loans and Advances to Retail Customers $759,670 m $822,857 m $913,250 m
Allowance for Loan Losses $52,301 m $60,317 m $68,632 m
Net Loans $2,210,361 m $2,278,064 m $2,476,514 m
Mortgages $995,514 m $670,067 m $739,095 m
Trading Securities $67,732 m $117,568 m $137,636 m
Available-for-Sale Securities $229,869 m $208,782 m $211,283 m
Held-to-Maturity Securities $544,114 m $659,734 m $745,088 m
Derivatives (Assets) $13,673 m $10,413 m $9,772 m
Total Assets $4,007,226 m $4,043,728 m $4,307,501 m
Average Assets $3,740,107 m $4,025,477 m $4,175,615 m
High Quality Liquid Assets $738,829 m $718,443 m $716,631 m
Gross Impaired Loans $33,945 m $34,318 m $34,374 m
Deposits made by the Central Bank $70 m $70 m $145 m
Gross Total Deposits $3,171,174 m $3,318,548 m $3,576,191 m
Retail Customer Deposits $1,287,266 m $1,377,579 m $1,498,961 m
Deposits by Banks $262,142 m $264,889 m $322,850 m
Corporate Customer Deposits $1,621,764 m $1,676,078 m $1,754,379 m
Total Senior Debt $77,742 m $98,793 m $106,720 m
Derivatives (Liabilities) $12,066 m $10,740 m $12,185 m
Trading Liabilities n/a $333 m $1,868 m
Subordinated Liabilities $43,180 m $41,234 m $49,233 m
Total Liabilities $3,678,339 m $3,701,409 m $3,922,379 m
Total Equity $328,887 m $342,318 m $385,122 m
Average Equity $306,973 m $335,602 m $363,720 m
Financial Datapoint 201720182019
Net Interest Income $80,196 m $83,579 m $86,827 m
Interest Income $132,349 m $138,407 m $148,519 m
Interest Expenses $52,153 m $54,828 m $61,692 m
Net Non-Interest Income $24,043 m $22,728 m $24,548 m
Net Fee and Commission Income $21,447 m $21,211 m $22,260 m
Net Trading Income $883 m $415 m $329 m
Unrealized Gains or Losses on Financial Instruments Designated at Fair Value $-73 m $196 m $201 m
Other Non-Interest Income $1,785 m $905 m $1,757 m
Total Operating Income $104,240 m $106,308 m $111,376 m
Total Impairment Charges and Provisions $19,626 m $23,590 m $25,601 m
Loan Impairment Provisions $19,062 m $21,510 m $23,191 m
Other Financial Assets Impairment Provisions $26 m n/a n/a
Other Impairment Charges and Provisions $537 m $2,079 m $2,410 m
Net Operating Income $84,613 m $82,717 m $85,774 m
Operating Costs $26,470 m $28,350 m $29,393 m
Staff Expenses $17,658 m $17,675 m $18,161 m
General and Administrative Expenses (excluding depreciation) $8,812 m $10,675 m $11,231 m
Pre-Tax Profits $56,012 m $54,366 m $56,049 m
Taxes $11,857 m $10,757 m $11,220 m
Net Income $44,155 m $43,609 m $44,829 m
Financial Datapoint 201720182019
Core Tier 1 or CET 1 $314,038 m $328,032 m $353,758 m
Adjustments to CET1 $-2,193 m $-2,188 m $-2,217 m
Net CET1 $311,844 m $325,844 m $351,541 m
Additional Tier 1 $12,281 m $11,694 m $28,647 m
Tier 1 Capital $324,125 m $337,539 m $380,189 m
Tier 2 Capital $45,600 m $48,575 m $66,374 m
Total Risk-Weighted Assets $2,442,826 m $2,509,633 m $2,663,359 m
Credit Risk-Weighted Assets $2,190,594 m $2,271,242 m $2,444,894 m
Market Risk-Weighted Assets $53,404 m $53,807 m $25,567 m
Operational Risk-Weighted Assets $187,877 m $184,584 m $192,897 m
Off-Balance Sheet Risk-Weighted Assets $10,949 m n/a n/a
Counterparty Credit Risk $189,679 m $276,505 m n/a
BIS Capital Adequacy Ratio (Core Tier1 %) 12.77 % 12.98 % 13.20 %
BIS Capital Adequacy Ratio (Tier 1) 13.27 % 13.45 % 14.27 %
BIS Capital Adequacy Ratio (Total) 15.14 % 15.39 % 16.77 %
Financial Datapoint 201720182019
Profitability
Return on Assets 1.10 % 1.08 % 1.04 %
Return on Capital 13.62 % 12.92 % 11.79 %
Return on Equity 13.43 % 12.74 % 11.64 %
Return on RWA 1.81 % 1.74 % 1.68 %
Net Interest Margin 2.22 % 2.30 % 2.24 %
Profit Margin 53.73 % 51.14 % 50.32 %
Net Interest Income to Average Assets 2.08 % 2.13 % 2.10 %
Net Income to Average Assets 1.14 % 1.11 % 1.08 %
Net Income to Average Equity 13.95 % 13.32 % 12.44 %
Asset Utilisation 2.70 % 2.71 % 2.69 %
Equity Multiplier 12.18 % 11.99 % 11.48 %
Income
Net Interest Income to Total Operating Income 76.93 % 78.62 % 77.96 %
Net Fee and Commission Income to Total Operating Income 20.58 % 19.95 % 19.99 %
Net Trading Income to Total Operating Income 0.85 % 0.39 % 0.30 %
Net Non-Interest Income to Total Operating Income 23.07 % 21.38 % 22.04 %
Operational Efficiency
Cost/Income Ratio 25.39 % 26.67 % 26.39 %
Staff Costs to Total Operating Expenses 66.71 % 62.34 % 61.79 %
General and Admin Expenses to Total Operating Expenses 33.29 % 37.66 % 38.21 %
Pre-Tax Profit per $ of Staff Costs 3.17 3.08 3.09
Asset Quality
Non-Performing Loans (NPL%) 1.55 % 1.52 % 1.43 %
Gross Impaired Loans to Gross Total Loans 1.50 % 1.47 % 1.35 %
Total Impairment Charges to Total Operating Income 18.83 % 22.19 % 22.99 %
Total Impairment Charges to Gross Total Loans 0.87 % 1.01 % 1.01 %
Leverage
Capital Assets Ratio 8.09 % 8.35 % 8.83 %
Debt to Equity Ratio 1,118.42 % 1,081.28 % 1,018.48 %
Total Senior Debt to Total Equity 23.64 % 28.86 % 27.71 %
Total Senior Debt to Total Liabilities 2.11 % 2.67 % 2.72 %
Total Senior Debt plus Subordinated Liabilities to Total Liabilities 3.29 % 3.78 % 3.98 %
Total Liabilities to Total Assets 91.79 % 91.53 % 91.06 %
Liquidity
Cash Held as % Total Deposits 17.51 % 14.84 % 13.27 %
Loans to Assets Ratio 56.46 % 57.83 % 59.09 %
Loans to Deposits Ratio 71.35 % 70.46 % 71.17 %
Liquidity Coverage Ratio 129.02 % 126.66 % 121.89 %
Net Stable Funding Ratio n/a 126.62 % 127.54 %
Resilience
Loan Coverage Ratio 154.07 % 175.76 % 199.32 %
Allowance for Loan Losses to Gross Total Loans 2.31 % 2.58 % 2.70 %
Risk Profile
RWA Density 60.96 % 62.06 % 61.83 %
Credit Risk to Total RWA 89.67 % 90.50 % 91.80 %
Market Risk to Total RWA 2.19 % 2.14 % 0.96 %
Operational Risk to Total RWA 7.69 % 7.36 % 7.24 %
Counterparty Credit Risk to Credit Risk Weighted Assets 8.66 % 12.17 % n/a
Counterparty Credit Risk to Total Risk Weighted Assets 7.76 % 11.02 % n/a
High Quality Liquid Assets to Total Assets 18.44 % 17.77 % 16.64 %
Financial Datapoint 201720182019
Total Number of Customers 567,621,000 614,033,000 658,098,000
Number of Retail Customers 56,141,100 607,000,000 650,000,000
Number of Corporate Customers 6,210,000 7,033,000 8,098,000
Number of ATMs 95,043 89,646 82,191
Employees (Total) 453,048 449,296 445,106
Branches (Total) 16,888 16,820 16,605
Compliance Information 2017 2018 2019
KPMG KPMG KPMG
No No No
Yes Yes Yes
Yes Yes Yes
No No No
No No No
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