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Consolidated data in US$ million.

31/12/2011

Income statement

Interest on loans 50,950


Interest on bank deposits 1,750
Interest and preferred stock dividends on securities (AFS and HtM) 8,052

Other interest income 12,209


Total interest received 72,961
Interest on customer deposits 7,368
Interest on debt securities 1,268
Interest on bank deposits n.a.
Other interest expenses 14,315
Total interest paid 22,951
Net interest income 50,010
Fee and commission income 10,148
Fee and commission expense n.a.
Net fee and commission income 10,148
Net trading income on securities and derivatives 7,234

Net gains and losses on assets & liabilities at fair value through P&L 625

Net gains and losses on other securities -257


Total net trading income and fair value gains and losses 7,602

Net insurance income 2,588


Dividend income: common stock n.a.
Net gains and losses on real estate -119
Other operating income 9,718
Operating revenues 79,947
Impairment on loans and advances 11,773
Impairment on other assets 913
Total Impairment charges 12,686
Net operating revenues 67,261
Staff expenses 25,690
Other administrative expenses 8,307
Other operating expenses 18,640
Total operating expenses 52,637
Operating profit 14,624
Equity accounted share of profits of associates and joint ventures n.a.

Non-operating income n.a.


Non-operating expenses n.a.
Profit/(loss) on acquisition and disposal of subsidiaries n.a.

Profit before tax 14,624


Income tax expense 3,521
Net profit/(loss) for the year from discontinued operations 112

Net income 11,215


Dividend paid 106
Retained Income 11,109

Common dividends related to the period 80


Preferred dividends related to the period 26

Profit attributable to group equity holders 11,067


Profit attributable to non-controlling interest 148

Assets

Cash & balances with central banks 28,764


Net loans and advances to banks 155,792
Reverse repos, securities borrowed & cash collateral 275,812

Derivative financial instruments 62,327


Financial assets: trading and at fair value through P/L 229,407

Financial assets: available for sale 265,204


Financial assets: held to maturity 11,483
Other securities
Investments in associated companies 25,154
Mortgage Loans 136,852
Consumer loans 230,748
Corporate loans 128,264
Other Loans 180,166
Gross loans 676,030
Loans loss reserves 30,115
Net loans and advances to customers 645,915
Brokerage receivables n.a.
Deferred tax assets 52,416
Investment property 420
Fixed assets (property, plant and equipment) 7,470

Insurance assets 8,455


Current tax assets n.a.
Discontinued operations n.a.
Foreclosed / Other real estate owned 566
Other assets 70,111
Other assets 87,022
Goodwill 25,413
Other Intangible assets 9,169
Intangible assets 34,582
Total assets 1,873,878
Liabilities

Demand deposits 48,846


Savings deposits 266,926
Time deposits 27,399
Other customer deposits 525,642
Customer deposits 868,813
Bank deposits n.a.
Other wholesale deposits n.a.
Short term funding and Debt Securities < 1 year 139,085

LT Borrowings and Debt Securities at Historical Cost n.a.

Financial liabilities at fair value through P&L (fair value portion of debt) n.a.

Other long term borrowing 197,612


Repurchase agreements, securities loaned, cash collateral 198,373

Derivative financial instruments 56,273


Trading liabilities 69,809
Brokerage payables n.a.
Other liabilities 121,072
Discontinued operations n.a.
Insurance liabilities n.a.
Current tax liabilities n.a.
Deferred tax liabilities 886
Provisions 1,133
Other deferred liabilities n.a.
Other liabilities and provisions 123,091
Subordinated liabilities 25,192
Total liabilities 1,678,248
Preference shares accounted for as debt 16,057
Preference shares accounted as equity 312
Other hybrid capital n.a.
Hybrid capital 16,369
Common equity: par value + capital surplus 105,833

Valuation gains/losses on AFS securities n.a.


Valuation gains/losses on property n.a.
Cashflow hedging reserve n.a.
Foreign Exchange Revaluation Reserves n.a.
Other Reserves -18,859
Treasury/Own Shares n.a.
Retained earnings 90,520
Shareholders equity 177,494
Non-controlling interests 1,767
Total equity 179,261
Total liabilities and equity 1,873,878
Off-balance sheet items

Guarantees n.a.
Acceptances and documentary credits 125,985
Committed Credit Facilities 676,131
Managed securitized assets n.a.
Other exposure to securitizations n.a.
Other contingent liabilities 823,132
Total on and off-balance sheet items 3,499,126

Capital adequacy
Common equity tier 1 (CET1) n.a.
Common equity (core) tier 1 ratio (as reported)% n.a.
Total capital ratio (as reported)% 16.99
Equity / total assets% 9.49
Equity / Risk-weighted Assets% 18.42
Tangible Common Equity / Tangible Assets% 7.87

Asset quality
Total assets 1,873,878
Interest earning assets 1,391,397
Other earning assets 183,704
Total earning Assets 1,540,519
Loans / Total assets% 34.47

Risk weighted assets - Basel III transitional


Total risk weighted assets - transitional 973,369

Composition of capital - Basel III transitional and prior versions of Basel


Common equity (core) tier 1 n.a.
Additional tier 1 n.a.
Tier 1 n.a.
Tier 2 n.a.
Other eligible capital n.a.
Total transitional Capital n.a.

Asset quality data

Charge offs and recoveries


Gross charge offs 25,015
Recoveries 3,127
Net charge offs 21,888

Reserves
Collective/General loan impairment reserves n.a.
Individual/Specific loan impairment reserves n.a.
Impaired / Non Performing Loans
Total Impaired / Non Performing loans 20,261

Alternative split of impaired loans


Loss loans 21,888
Doubtful loans n.a.
Substandard loans n.a.
Special mention loans n.a.
Other classified loans n.a.
Performing loans 643,887

Non accrual loans 12,618


+ 90 days past due 7,643
Past due but not impaired 10,938
Rescheduled/Restructured loans 28,543
Expected loss n.a.
31/12/2012 31/12/2013 31/12/2014 31/12/2015

49,187 46,679 45,429 42,493


1,270 1,026 960 726
7,200 6,520 6,781 6,677

10,761 9,371 8,765 8,899


68,418 63,596 61,935 58,795
6,760 5,362 4,979 4,263
1,151 1,121 984 920
n.a. n.a. n.a. n.a.
11,872 9,230 7,369 6,330
19,783 15,713 13,332 11,513
48,635 47,883 48,603 47,282
11,445 12,923 12,154 11,705
n.a. n.a. n.a. n.a.
11,445 12,923 12,154 11,705
5,065 7,534 7,053 6,369

-2,244 1,050 634 -571

2,798 414 137 386


5,619 8,998 7,824 6,184

2,646 2,215 2,173 1,778


n.a. n.a. n.a. n.a.
10 43 31 165
3,279 6,013 7,497 10,378
71,634 78,075 78,282 77,492
10,848 7,604 6,828 7,108
856 805 755 656
11,704 8,409 7,583 7,764
59,930 69,666 70,699 69,728
25,207 23,968 23,959 21,769
7,394 7,647 8,200 8,211
19,393 18,554 23,839 14,922
51,994 50,169 55,998 44,902
7,936 19,497 14,701 24,826
n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.


n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.

7,936 19,497 14,701 24,826


27 5,867 7,197 7,440
-149 270 -2 -54

7,760 13,900 7,502 17,332


146 314 633 1,253
7,614 13,586 6,869 16,079

120 120 122 484


26 194 511 769

7,541 13,673 7,310 17,242


219 227 192 90

36,550 29,905 32,259 20,925


102,138 169,005 128,089 112,197
261,214 257,017 242,570 219,650

54,620 52,821 63,451 55,992


266,309 233,107 233,335 193,964

288,695 286,511 300,143 299,136


10,130 10,599 23,921 36,215

16,599 8,792 7,895 8,445


128,848 112,469 106,489 101,735
220,473 213,675 199,843 180,810
140,323 150,503 151,783 157,099
183,375 200,486 202,524 200,082
673,019 677,133 660,639 639,726
25,455 19,648 15,994 12,626
647,564 657,485 644,645 627,100
n.a. n.a. n.a. n.a.
56,210 53,133 49,730 48,321
321 301 115 18
7,465 7,124 6,774 6,408

8,659 8,832 9,010 9,147


n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
440 417 260 209
74,402 72,550 69,910 65,564
91,287 89,224 86,069 81,346
25,686 25,009 23,663 22,417
7,658 7,774 6,411 5,502
33,344 32,783 30,074 27,919
1,864,660 1,880,382 1,842,181 1,731,210
56,676 69,460 83,587 94,996
301,249 301,972 292,888 297,488
19,300 41,086 37,426 27,078
553,335 555,755 506,036 488,410
930,560 968,273 919,937 907,972
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
93,886 98,322 88,487 63,166

n.a. n.a. n.a. n.a.

n.a. n.a. n.a. n.a.

163,746 151,734 168,684 130,586


211,236 203,512 173,438 146,496

51,751 47,254 63,273 57,289


63,798 61,508 75,763 60,067
n.a. n.a. n.a. n.a.
122,822 112,144 115,239 112,104
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
888 334 394 472
1,118 1,164 1,026 1,364
n.a. n.a. n.a. n.a.
124,828 113,642 116,659 113,940
23,748 26,096 22,519 26,889
1,663,553 1,670,341 1,628,760 1,506,405
10,110 3,908 1,725 1,713
2,562 6,645 10,344 16,571
n.a. n.a. n.a. n.a.
12,672 10,553 12,069 18,284
106,421 107,317 108,134 108,466

n.a. n.a. n.a. n.a.


n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
-17,743 -20,791 -26,145 -37,021
n.a. n.a. n.a. n.a.
97,809 111,168 117,852 133,841
186,487 197,694 199,841 205,286
1,948 1,794 1,511 1,235
188,435 199,488 201,352 206,521
1,864,660 1,880,382 1,842,181 1,731,210

n.a. n.a. n.a. n.a.


119,034 117,747 116,210 113,366
642,372 660,618 637,389 598,305
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
706,317 875,337 1,288,565 780,779
3,332,383 3,534,084 3,884,345 3,223,660

n.a. n.a. 166,663 173,862


n.a. n.a. 15.43 15.27
17.26 16.65 18.15 18.54
10.14 10.87 11.41 12.82
19.40 18.26 15.80 17.34
8.47 9.02 9.45 10.49

1,864,660 1,880,382 1,842,181 1,731,210


1,408,455 1,379,155 1,377,291 1,316,708
192,276 180,682 187,131 168,489
1,567,387 1,527,054 1,534,348 1,457,278
34.73 34.97 34.99 36.22

971,253 1,092,707 1,274,672 1,190,853

n.a. n.a. 166,663 173,862


n.a. n.a. 0 2,558
n.a. n.a. 166,663 176,420
n.a. n.a. 18,296 22,326
n.a. n.a. n.a. n.a.
n.a. n.a. 184,959 198,746

18,504 15,227 12,143 11,444


2,902 2,380 2,135 1,739
15,602 12,847 10,008 9,705

n.a. n.a. n.a. n.a.


n.a. n.a. n.a. n.a.
19,280 15,622 12,254 9,896

15,602 12,847 10,008 9,705


n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a.
643,472 655,565 640,751 615,533

12,306 9,559 7,722 6,206


6,974 6,063 4,532 3,690
8,720 6,821 5,507 4,015
24,534 19,146 16,214 10,007
n.a. n.a. n.a. n.a.
Consolidated data in US$ million.

Income statement

Interest on loans
Interest on bank deposits
Interest and preferred stock dividends on securities (AFS and HtM)
Other interest income
Total interest received
Interest on customer deposits
Interest on debt securities
Interest on bank deposits
Other interest expenses
Total interest paid
Net interest income
Fee and commission income
Fee and commission expense
Net fee and commission income
Net trading income on securities and derivatives
Net gains and losses on assets & liabilities at fair value through P&L
Net gains and losses on other securities
Total net trading income and fair value gains and losses
Net insurance income
Dividend income: common stock
Net gains and losses on real estate
Other operating income
Operating revenues
Impairment on loans and advances
Impairment on other assets
Total Impairment charges
Net operating revenues
Staff expenses
Other administrative expenses
Other operating expenses
Total operating expenses
Operating profit
Equity accounted share of profits of associates and joint ventures
Non-operating income
Non-operating expenses
Profit/(loss) on acquisition and disposal of subsidiaries
Profit before tax
Income tax expense
Net profit/(loss) for the year from discontinued operations
Net income
Dividend paid
Retained Income

Common dividends related to the period


Preferred dividends related to the period
Profit attributable to group equity holders
Profit attributable to non-controlling interest

Assets

Cash & balances with central banks


Net loans and advances to banks
Reverse repos, securities borrowed & cash collateral
Derivative financial instruments
Financial assets: trading and at fair value through P/L
Financial assets: available for sale
Financial assets: held to maturity
Other securities
Investments in associated companies
Mortgage Loans
Consumer loans
Corporate loans
Other Loans
Gross loans
Loans loss reserves
Net loans and advances to customers
Brokerage receivables
Deferred tax assets
Investment property
Fixed assets (property, plant and equipment)
Insurance assets
Current tax assets
Discontinued operations
Foreclosed / Other real estate owned
Other assets
Other assets
Goodwill
Other Intangible assets
Intangible assets
Total assets
Liabilities

Demand deposits
Savings deposits
Time deposits
Other customer deposits
Customer deposits
Bank deposits
Other wholesale deposits
Short term funding and Debt Securities < 1 year
LT Borrowings and Debt Securities at Historical Cost
Financial liabilities at fair value through P&L (fair value portion of debt)
Other long term borrowing
Repurchase agreements, securities loaned, cash collateral
Derivative financial instruments
Trading liabilities
Brokerage payables
Other liabilities
Discontinued operations
Insurance liabilities
Current tax liabilities
Deferred tax liabilities
Provisions
Other deferred liabilities
Other liabilities and provisions
Subordinated liabilities
Total liabilities
Preference shares accounted for as debt
Preference shares accounted as equity
Other hybrid capital
Hybrid capital
Common equity: par value + capital surplus
Valuation gains/losses on AFS securities
Valuation gains/losses on property
Cashflow hedging reserve
Foreign Exchange Revaluation Reserves
Other Reserves
Treasury/Own Shares
Retained earnings
Shareholders equity
Non-controlling interests
Total equity
Total liabilities and equity
31/12/201 31/12/201 31/12/201 31/12/201 31/12/201
1 2 3 4 5

2.72% 2.64% 2.48% 2.47% 2.45%


0.09% 0.07% 0.05% 0.05% 0.04%
0.43% 0.39% 0.35% 0.37% 0.39%
0.65% 0.58% 0.50% 0.48% 0.51%
3.89% 3.67% 3.38% 3.36% 3.40%
0.39% 0.36% 0.29% 0.27% 0.25%
0.07% 0.06% 0.06% 0.05% 0.05%
n.a. n.a. n.a. n.a. n.a.
0.76% 0.64% 0.49% 0.40% 0.37%
1.22% 1.06% 0.84% 0.72% 0.67%
2.67% 2.61% 2.55% 2.64% 2.73%
0.54% 0.61% 0.69% 0.66% 0.68%
n.a. n.a. n.a. n.a. n.a.
0.54% 0.61% 0.69% 0.66% 0.68%
0.39% 0.27% 0.40% 0.38% 0.37%
0.03% -0.12% 0.06% 0.03% -0.03%
-0.01% 0.15% 0.02% 0.01% 0.02%
0.41% 0.30% 0.48% 0.42% 0.36%
0.14% 0.14% 0.12% 0.12% 0.10%
n.a. n.a. n.a. n.a. n.a.
-0.01% 0.00% 0.00% 0.00% 0.01%
0.52% 0.18% 0.32% 0.41% 0.60%
4.27% 3.84% 4.15% 4.25% 4.48%
0.63% 0.58% 0.40% 0.37% 0.41%
0.05% 0.05% 0.04% 0.04% 0.04%
0.68% 0.63% 0.45% 0.41% 0.45%
3.59% 3.21% 3.70% 3.84% 4.03%
1.37% 1.35% 1.27% 1.30% 1.26%
0.44% 0.40% 0.41% 0.45% 0.47%
0.99% 1.04% 0.99% 1.29% 0.86%
2.81% 2.79% 2.67% 3.04% 2.59%
0.78% 0.43% 1.04% 0.80% 1.43%
n.a. n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a. n.a.
0.78% 0.43% 1.04% 0.80% 1.43%
0.19% 0.00% 0.31% 0.39% 0.43%
0.01% -0.01% 0.01% 0.00% 0.00%
0.60% 0.42% 0.74% 0.41% 1.00%
0.01% 0.01% 0.02% 0.03% 0.07%
0.59% 0.41% 0.72% 0.37% 0.93%
0.00% 0.00% 0.00% 0.00% 0.00%
0.00% 0.01% 0.01% 0.01% 0.03%
0.00% 0.00% 0.01% 0.03% 0.04%
0.00% 0.00% 0.00% 0.00% 0.00%
0.59% 0.40% 0.73% 0.40% 1.00%
0.01% 0.01% 0.01% 0.01% 0.01%

1.53% 1.96% 1.59% 1.75% 1.21%


8.31% 5.48% 8.99% 6.95% 6.48%
14.72% 14.01% 13.67% 13.17% 12.69%
3.33% 2.93% 2.81% 3.44% 3.23%
12.24% 14.28% 12.40% 12.67% 11.20%
14.15% 15.48% 15.24% 16.29% 17.28%
0.61% 0.54% 0.56% 1.30% 2.09%
0.00% 0.00% 0.00% 0.00% 0.00%
1.34% 0.89% 0.47% 0.43% 0.49%
7.30% 6.91% 5.98% 5.78% 5.88%
12.31% 11.82% 11.36% 10.85% 10.44%
6.84% 7.53% 8.00% 8.24% 9.07%
9.61% 9.83% 10.66% 10.99% 11.56%
36.08% 36.09% 36.01% 35.86% 36.95%
1.61% 1.37% 1.04% 0.87% 0.73%
34.47% 34.73% 34.97% 34.99% 36.22%
n.a. n.a. n.a. n.a. n.a.
2.80% 3.01% 2.83% 2.70% 2.79%
0.02% 0.02% 0.02% 0.01% 0.00%
0.40% 0.40% 0.38% 0.37% 0.37%
0.45% 0.46% 0.47% 0.49% 0.53%
n.a. n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a. n.a.
0.03% 0.02% 0.02% 0.01% 0.01%
3.74% 3.99% 3.86% 3.79% 3.79%
4.64% 4.90% 4.74% 4.67% 4.70%
1.36% 1.38% 1.33% 1.28% 1.29%
0.49% 0.41% 0.41% 0.35% 0.32%
1.85% 1.79% 1.74% 1.63% 1.61%
100.00% 100.00% 100.00% 100.00% 100.00%

2.61% 3.04% 3.69% 4.54% 5.49%


14.24% 16.16% 16.06% 15.90% 17.18%
1.46% 1.04% 2.18% 2.03% 1.56%
28.05% 29.67% 29.56% 27.47% 28.21%
46.36% 49.91% 51.49% 49.94% 52.45%
n.a. n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a. n.a.
7.42% 5.04% 5.23% 4.80% 3.65%
n.a. n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a. n.a.
10.55% 8.78% 8.07% 9.16% 7.54%
10.59% 11.33% 10.82% 9.41% 8.46%
3.00% 2.78% 2.51% 3.43% 3.31%
3.73% 3.42% 3.27% 4.11% 3.47%
n.a. n.a. n.a. n.a. n.a.
6.46% 6.59% 5.96% 6.26% 6.48%
n.a. n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a. n.a.
0.05% 0.05% 0.02% 0.02% 0.03%
0.06% 0.06% 0.06% 0.06% 0.08%
n.a. n.a. n.a. n.a. n.a.
6.57% 6.69% 6.04% 6.33% 6.58%
1.34% 1.27% 1.39% 1.22% 1.55%
89.56% 89.21% 88.83% 88.41% 87.01%
0.86% 0.54% 0.21% 0.09% 0.10%
0.02% 0.14% 0.35% 0.56% 0.96%
n.a. n.a. n.a. n.a. n.a.
0.87% 0.68% 0.56% 0.66% 1.06%
5.65% 5.71% 5.71% 5.87% 6.27%
n.a. n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a. n.a.
n.a. n.a. n.a. n.a. n.a.
-1.01% -0.95% -1.11% -1.42% -2.14%
n.a. n.a. n.a. n.a. n.a.
4.83% 5.25% 5.91% 6.40% 7.73%
9.47% 10.00% 10.51% 10.85% 11.86%
0.09% 0.10% 0.10% 0.08% 0.07%
9.57% 10.11% 10.61% 10.93% 11.93%
100.00% 100.00% 100.00% 100.00% 100.00%
Net Interest Margin
bank name an date 31/12/2011 31/12/2012 31/12/2013 31/12/2014 31/12/2015
ICBC 2.94% 3.01% 2.94% 3.00% 2.76%
Citi 3.25% 3.10% 3.14% 3.17% 3.24%

formula used: =ICBC!D15/ICBC!D$151,=Citi!D15/Citi!D$151

the graph is on the right side

Return on Asset(ROA)
bank name an date 31/12/2011 31/12/2012 31/12/2013 31/12/2014 31/12/2015
ICBC 1.35% 1.36% 1.39% 1.34% 1.25%
Citi 0.60% 0.42% 0.74% 0.41% 1.00%

formula used: =ICBC!D44/ICBC!D85, =Citi!D44/Citi!D$85

the graph is on the right side

Return on Equity(ROE)
bank name an date 31/12/2011 31/12/2012 31/12/2013 31/12/2014 31/12/2015
ICBC 21.76% 21.15% 20.57% 17.97% 15.42%
Citi 6.26% 4.12% 6.97% 3.73% 8.39%
formula used: =ICBC!D44/ICBC!D$127, =Citi!D44/Citi!D$127

the graph is on the right side

Interest Spread
bank name an date 31/12/2011 31/12/2012 31/12/2013 31/12/2014 31/12/2015
ICBC 3.21% 3.35% 3.25% 3.29% 2.95%
Citi 3.37% 3.18% 3.22% 3.22% 3.27%

Loan Spread
bank name an date 31/12/2011 31/12/2012 31/12/2013 31/12/2014 31/12/2015
ICBC 5.35% 5.90% 5.53% 5.58% 5.17%
Citi 7.54% 7.31% 6.89% 6.88% 6.64%

Deposit spread
bank name an date 31/12/2011 31/12/2012 31/12/2013 31/12/2014 31/12/2015
ICBC 1.54% 1.83% 1.87% 1.92% 1.83%
Citi 0.85% 0.73% 0.55% 0.54% 0.47%
Net Interest Margin
3.30%
3.25% 3.24%
3.20%
3.17%
3.14%
3.10% 3.10%

3.00% 3.01%
3.00%
2.94% 2.94%
2.90%

2.80%
2.76%
2.70%
31/12/2011 31/12/2012 31/12/2013 31/12/2014 31/12/2015
ICBC Cit

Return on Asset
1.40% 1.39%
1.35% 1.36% 1.34%
1.25%
1.20%

1.00% 1.00%

0.80%
0.74%
0.60% 0.60%

0.40% 0.42% 0.41%

0.20%
31/12/2011 31/12/2012 31/12/2013 31/12/2014 31/12/2015
ICBC Ci t

Return on Equity
22.50%
21.76%
21.15%
20.57%
20.00%

17.97%
17.50%

15.00% 15.42%

12.50%
Return on Equity
22.50%
21.76%
21.15%
20.57%
20.00%

17.50% 17.97%

15.00% 15.42%

12.50%

10.00%
8.39%
7.50%
6.97%
6.26%
5.00%
4.12% 3.73%
2.50%
31/12/2011 31/12/2012 31/12/2013 31/12/2014 31/12/2015

ICBC Cit
Equity Multiplier(leverage)
bank name an date 31/12/2011 31/12/2012 31/12/2013 31/12/2014 31/12/2015
ICBC 16.16 15.55 14.80 13.41 12.34
Citi 10.45 9.90 9.43 9.15 8.38

Equity Multplier
17.00

16.00 16.16
15.55
15.00
14.80
14.00
13.41
13.00
12.34
12.00

11.00
10.45
10.00 9.90
9.43
9.00 9.15

8.38
8.00
31/12/2011 31/12/2012 31/12/2013 31/12/2014 31/12/2015
ICBC Ci t

Return on Equity(computed from financail statement)


bank name an date 31/12/2011 31/12/2012 31/12/2013 31/12/2014 31/12/2015
ICBC 21.76% 21.15% 20.57% 17.97% 15.42%
Citi 6.26% 4.12% 6.97% 3.73% 8.39%

Return on Equity
25.00%

21.76%
21.15%
20.57%
20.00%
17.97%

15.00% 15.42%

10.00%
8.39%
6.97%
6.26%
5.00%
4.12% 3.73%
17.97%

15.00% 15.42%

10.00%
8.39%
6.97%
6.26%
5.00%
4.12% 3.73%

0.00%
31/12/2011 31/12/2012 31/12/2013 31/12/2014 31/12/2015
ICBC Ci t

Return on Equity(computed from ROE decomposition)


bank name an date 31/12/2011 31/12/2012 31/12/2013 31/12/2014 31/12/2015
ICBC 21.76% 21.15% 20.57% 17.97% 15.42%
Citi 6.26% 4.12% 6.97% 3.73% 8.39%
Consolidated data in US$ million. 31/12/2011 31/12/201 31/12/201 31/12/201 31/12/201
2 3 4 5
Liquidity
Cash & balances with central banks 28,764 36,550 29,905 32,259 20,925
Net loans and advances to banks 155,792 102,138 169,005 128,089 112,197
Reverse repos, securities borrowed & cash 275,812 261,214 257,017 242,570 219,650
collateral
Total Liquid Assets 460,368 399,902 455,927 402,918 352,772
Total assets 1,873,878 1,864,660 1,880,382 1,842,181 1,731,210
Liquid asset to Total assets 24.57% 21.45% 24.25% 21.87% 20.38%
Customer deposits 868,813 930,560 968,273 919,937 907,972
Liquid asset to custoer deposits 52.99% 42.97% 47.09% 43.80% 38.85%
ROE 0.062562409 0.0411813 0.0696784 0.0372581 0.0839237

Liquidity Analysis
0.6
0.5298815741
0.5
0.470866171
0.4297433803 0.4379843402
0.4 0.3885273995

0.3
0.2456766129 0.2424650949
0.2 0.2144637628 0.21871792190.2037719283

0.1

0
1 2 3 4 5 6 7
Liquid asset to Total ass ets
Liquid asset to custoer deposits