Financial Ratios China CITIC Bank Corporation Limited

Stocks

601998

CNE1000000R4

Banks

End-of-day quote Shanghai S.E. Other stock markets 13/07/2026			5-day change	1st Jan Change
7.340 ^CNY	+2.66%		+5.01%	-4.68%

07-06	Jinan Shengquan Signs Fundraising Supervision Agreements for Convertible Bonds Proceeds	MT
07-06	Fitch Says Upgrades of Large Mid-Tier Chinese Banks Reflect Better Prospects of Government Support	MT

f89e5e2d1.CDuQhF0EduZgu9cr2mzfIB2DHShHWFh8dX7AwRjvZCI.UUnmzmxQB9Qaw-JIrV-1FnfxakV1DjcxISiztleANkpxbvfdNH4anCiImg

Published financial data: CHINA CITIC BANK CORPORATION LIMITED

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	306B	314B	318B	310B	285B
Interest Income, Total	306B	314B	318B	310B	285B
Interest On Deposits	158B	163B	174B	163B	140B
Interest Expense, Total	158B	163B	174B	163B	140B
Net Interest Income	148B	151B	144B	147B	144B
Income From Trading Activities	5.17B	4.88B	7.14B	6.77B	5.6B
Gain (Loss) on Sale of Invest. & Securities - (Rev)	14.87B	17.77B	21.1B	27.11B	25.29B
Total Other Non Interest Income	36.62B	37.81B	33.79B	32.66B	37.28B
Non Interest Income, Total	56.66B	60.46B	62.03B	66.54B	68.17B
Revenues Before Provison For Loan Losses	205B	211B	206B	213B	213B
Provision For Loan Losses	77B	71.36B	61.93B	61.04B	57.94B
Total Revenues	128B	140B	144B	152B	155B
Salaries And Other Employee Benefits	34.4B	38.08B	38.08B	39.68B	40.24B
Amort. of Goodwill & Intang. Assets	1.16B	1.55B	1.95B	-	-
Occupancy Expense	7.06B	7.28B	7.77B	-	-
Selling General & Admin Expenses, Total	17.4B	17.8B	19.22B	20.32B	19.44B
(Income) Loss on Real Estate Property	43M	45M	278M	68M	148M
(Income) Loss on Equity Invest.	-212M	-623M	-736M	-715M	-545M
Total Other Non Interest Expense	2.2B	2.12B	2.18B	11.94B	11.2B
Non Interest Expense, Total	62.06B	66.26B	68.76B	71.29B	70.48B
EBT, Excl. Unusual Items	65.49B	73.49B	74.89B	80.89B	84.21B
Asset Writedown	23M	-74M	-1M	-24M	-171M
EBT, Incl. Unusual Items	65.52B	73.42B	74.89B	80.86B	84.04B
Income Tax Expense	9.14B	10.47B	6.82B	11.4B	12.55B
Earnings From Continuing Operations	56.38B	62.95B	68.06B	69.47B	71.49B
Net Income to Company	56.38B	62.95B	68.06B	69.47B	71.49B
Minority Interest	-736M	-847M	-1.05B	-892M	-872M
Net Income - (IS)	55.64B	62.1B	67.02B	68.58B	70.62B
Preferred Dividend and Other Adjustments	3.01B	4.79B	4.79B	4.79B	3.83B
Net Income to Common Incl Extra Items	52.63B	57.32B	62.23B	63.79B	66.78B
Net Income to Common Excl. Extra Items	52.63B	57.32B	62.23B	63.79B	66.78B
Per Share Items
Net EPS - Basic	1.08	1.17	1.27	1.22	1.2
Basic EPS - Continuing Operations	1.08	1.17	1.27	1.22	1.2
Basic Weighted Average Shares Outstanding	48.94B	48.94B	48.95B	52.39B	55.45B
Net EPS - Diluted	0.98	1.06	1.14	1.2	1.2
Diluted EPS - Continuing Operations	0.98	1.06	1.14	1.2	1.2
Diluted Weighted Average Shares Outstanding	53.71B	54.07B	54.59B	53.16B	55.45B
Normalized Basic EPS	0.82	0.92	0.93	0.95	0.93
Normalized Diluted EPS	0.75	0.83	0.84	0.93	0.93
Dividend Per Share	0.3	0.33	0.33	0.35	0.38
Payout Ratio	27.75	31.51	31.18	43.64	37.87
American Depositary Receipts Ratio (ADR)	20	20	20	20	20
Supplemental Items
Effective Tax Rate - (Ratio)	13.95	14.26	9.11	14.09	14.94
Total Current Taxes	15.14B	16.12B	5.84B	16.46B	9.18B
Total Deferred Taxes	-6B	-5.66B	989M	-5.06B	3.37B
Normalized Net Income	40.2B	45.08B	45.76B	49.66B	51.76B
Non-Cash Pension Expense	1M	1M	-	-	-

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	112B	77.78B	106B	198B	187B
Investment Securities, Total	2,054B	2,174B	2,289B	2,437B	2,812B
Trading Asset Securities, Total	519B	602B	658B	733B	720B
Total investments	2,573B	2,776B	2,947B	3,170B	3,532B
Gross Loans	4,856B	5,170B	5,498B	5,720B	5,862B
Allowance For Loan Losses	-121B	-131B	-134B	-139B	-136B
Net Loans	4,735B	5,039B	5,364B	5,581B	5,726B
Gross Property Plant And Equipment	68.81B	71.98B	79.19B	90.88B	122B
Accumulated Depreciation	-23.99B	-26.72B	-30.23B	-33.32B	-36.88B
Net Property Plant And Equipment	44.82B	45.25B	48.95B	57.55B	84.87B
Goodwill	833M	903M	926M	959M	916M
Other Intangibles, Total	2.92B	3.72B	4.6B	3.42B	2.51B
Investment in Real Estate	547M	516M	528M	578M	520M
Accrued Interest Receivable	33.42B	20.77B	44.61B	46.91B	46.1B
Other Receivables	7.45B	9.86B	6.48B	8.36B	10.47B
Restricted Cash	427B	471B	411B	332B	378B
Other Current Assets, Total	36.94B	22.38B	33.01B	42.72B	73.78B
Deferred Tax Assets Long-Term (Collected)	46.9B	55.01B	52.48B	54.13B	54.67B
Other Real Estate Owned And Foreclosed	1.33B	1.48B	1.23B	1.15B	990M
Deferred Charges Long-Term	767M	801M	938M	1.05B	962M
Other Long-Term Assets, Total	20.12B	22.76B	29.49B	34.18B	32.28B
Total Assets	8,043B	8,548B	9,052B	9,533B	10,131B
Liabilities
Accrued Expenses, Total	24.69B	26.72B	26.18B	24.9B	25.23B
Interest Bearing Deposits	5,162B	5,657B	5,826B	6,698B	6,392B
Non-Interest Bearing Deposits	745B	582B	497B	45.93B	592B
Total Deposits	5,906B	6,239B	6,322B	6,744B	6,984B
Short-Term Borrowings	212B	164B	315B	205B	248B
Current Portion of Long-Term Debt	915B	1,075B	1,285B	1,366B	1,619B
Current Portion of Leases	5.15B	5.7B	2.94B	2.91B	2.62B
Long-Term Debt	220B	228B	230B	225B	231B
Long-Term Leases	4.66B	4.57B	7.3B	7.95B	7.63B
Current Income Taxes Payable	5.83B	4.42B	368M	3.3B	567M
Accrued Interest Payable	58.32B	62.62B	73.23B	88.41B	79.66B
Other Current Liabilities - (Bank / Utility Template)	101M	82M	526M	4.25B	27M
Pension & Other Post Retirement Benefits	37M	36M	35M	35M	39M
Deferred Tax Liability Non-Current	8M	3M	1M	39M	128M
Other Non Current Liabilities	48.06B	52.72B	54.51B	53.27B	84.23B
Total Liabilities	7,400B	7,862B	8,318B	8,725B	9,283B
Preferred Stock Convertible	34.96B	34.96B	34.96B	34.96B	34.96B
Total Preferred Equity	34.96B	34.96B	34.96B	34.96B	34.96B
Common Stock, Total	48.94B	48.94B	48.97B	54.4B	55.64B
Additional Paid In Capital	58.9B	58.9B	59.08B	88.97B	95.25B
Retained Earnings	398B	441B	487B	523B	570B
Comprehensive Income and Other	85.08B	81.82B	87.48B	87.72B	73.32B
Total Common Equity	591B	630B	682B	754B	794B
Minority Interest	16.32B	20.41B	17.45B	18.1B	18.82B
Total Equity	643B	686B	735B	807B	848B
Total Liabilities And Equity	8,043B	8,548B	9,052B	9,533B	10,131B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	48.93B	48.93B	48.97B	54.4B	55.65B
ECS Total Common Shares Outstanding	48.93B	48.93B	48.97B	54.4B	55.65B
Book Value / Share	10.45	11.25	12.3	12.58	13.01
Tangible Book Value	588B	626B	677B	750B	790B
Tangible Book Value Per Share	10.37	11.15	12.19	12.5	12.95
Average Loans	4,666B	4,979B	5,341B	5,570B	5,763B
Total Debt	1,357B	1,476B	1,841B	1,807B	2,109B
Deposits at Interest - Cash	247B	302B	245B	258B	328B
Net Debt	489B	558B	754B	388B	615B
Equity Method Investments, Total	5.75B	6.34B	6.94B	7.35B	8.79B
Full Time Employees	59.26K	60.31K	66.06K	64.45K	67.67K
Number Of Offices	1.42K	-	-	-	-

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	55.64B	62.1B	67.02B	68.58B	70.62B
Depreciation, Depletion & Amortization	5.55B	5.85B	6.17B	6.43B	6.12B
Amortization of Goodwill and Intangible Assets - (CF)	1.16B	1.55B	1.95B	1.88B	1.54B
Total Depreciation, Depletion & Amortization	6.7B	7.4B	8.12B	8.31B	7.65B
(Gain) Loss On Sale of Asset - (CF)	-26M	32M	-9M	-154M	-100M
(Gain) Loss on Sale of Investments - (CF)	-14.57B	-15.25B	-20.36B	-23.78B	-23.12B
Total Asset Writedown	43M	45M	278M	68M	233M
Provision for Credit Losses	77B	71.36B	61.93B	61.04B	57.94B
(Income) Loss On Equity Investments - (CF)	-35M	-102M	-169M	-196M	-172M
Change in Trading Asset Securities	-8.47B	2.55B	-79.76B	9.74B	7.46B
Change in Other Net Operating Assets (Collected)	-442B	-264B	-125B	-739B	31.09B
Other Operating Activities	23.57B	20.85B	16.78B	27.61B	28.28B
Cash from Operations	-302B	-115B	-71.24B	-588B	180B
Capital Expenditure	-4.48B	-6.8B	-13.52B	-18.78B	-37.82B
Sale of Property, Plant, and Equipment	168M	127M	83M	260M	237M
Investment in Marketable and Equity Securities, Total	-203B	-110B	14.68B	-12.08B	-271B
Other Investing Activities, Total	438M	507M	653M	1.07B	604M
Cash from Investing	-207B	-116B	1.89B	-29.53B	-308B
Long-Term Debt Issued, Total	904B	850B	1,096B	1,554B	1,642B
Total Debt Issued	904B	850B	1,096B	1,554B	1,642B
Long-Term Debt Repaid, Total	-682B	-837B	-1,106B	-1,262B	-1,645B
Total Debt Repaid	-682B	-837B	-1,106B	-1,262B	-1,645B
Issuance of Common Stock	43.85B	3.99B	-	30B	-
Repurchase of Common Stock	-3.32B	-	-3.52B	-39.99B	-
Issuance of Preferred Stock	-	-	-	-	-
Common Dividends Paid	-14.11B	-18.14B	-19.47B	-	-
Preferred Dividends Paid	-1.33B	-1.43B	-1.43B	-	-
Common & Preferred Stock Dividends Paid	-	-	-	-29.92B	-26.74B
Common & Preferred Stock Dividends Paid	-15.44B	-19.57B	-20.9B	-29.92B	-26.74B
Net Increase (Decrease) in Deposit Accounts - (CF)	226B	310B	70.33B	407B	263B
Other Financing Activities, Total	-26.62B	-30.37B	-28.83B	-31.56B	-29.92B
Cash from Financing	446B	277B	7.22B	627B	203B
Foreign Exchange Rate Adjustments	-4.48B	8.4B	3.26B	3.54B	-5.57B
Net Change in Cash	-66.75B	55.05B	-58.87B	13.78B	69.63B
Supplemental Items
Cash Interest Paid	146B	158B	161B	147B	149B
Cash Income Tax Paid (Refund)	12.88B	18.04B	13.52B	9.84B	15.01B
Net Debt Issued / Repaid	221B	13.41B	-9.86B	292B	-3.12B

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.72	0.76	0.77	0.75	0.73
Return On Equity %	9.38	9.48	9.58	9.01	8.64
Return on Common Equity	9.56	9.38	9.48	8.88	8.63
Shareholders Value Added	-9.26B	-9.65B	-9.79B	-15.74B	-20.74B
Margin Analysis
SG&A Margin	45.22	44.43	44.37	38.08	37.43
Net Interest Income / Total Revenues %	115.95	107.8	99.93	96.39	93.39
EBT Excl. Non-Recurring Items Margin %	51.35	52.59	52.13	53.15	54.44
Income From Continuing Operations Margin %	44.2	45.04	47.38	45.65	46.21
Net Income Margin %	43.62	44.44	46.65	45.06	45.65
Net Avail. For Common Margin %	41.26	41.01	43.32	41.92	43.17
Normalized Net Income Margin	31.52	32.26	31.86	32.63	33.46
Asset quality
Nonperforming Loans / Total Loans %	1.39	1.26	1.18	1.16	1.15
Nonperforming Loans / Total Assets %	0.84	0.76	0.72	0.7	0.66
Nonperforming Assets / Total Assets %	0.86	0.78	0.73	0.71	0.67
NPAs / Loans and OREO	1.42	1.29	1.2	1.18	1.16
NPAs / Equity	10.7	9.72	8.99	8.38	8.05
Allowance for Credit Losses / Net Charge-offs %	221.37	277.09	288.59	292.2	257.77
Allowance for Credit Losses / Nonperforming Loans %	178.96	200.86	206.58	208.6	202.84
Allowance for Credit Losses / Total Loans %	2.49	2.53	2.43	2.42	2.33
Net Charge-offs / Total Average Loans %	1.17	0.95	0.87	0.85	0.92
Provision for Loan Losses / Net Charge-offs %	141.21	150.96	133.51	128.61	109.54
Earning Assets / IBL	102.89	102.49	101.87	102.73	101.89
Capital And Funding
Total Average Common Equity / Total Average Assets %	7.08	7.36	7.46	7.73	7.87
Total Average Equity / Total Average Assets %	7.73	8.01	8.07	8.3	8.42
Total Equity + Allowance for Loan Losses / Total Loans %	15.38	15.4	15.48	16.22	16.46
Gross Loans / Total Deposits %	82.22	82.86	86.97	84.81	83.94
Net Loans / Total Deposits %	80.17	80.77	84.85	82.76	81.98
Tier 1 Capital Ratio %	10.88	10.63	10.75	11.26	10.9
Total Capital Ratio %	13.53	13.18	12.93	13.36	12.8
Core Tier 1 Capital Ratio	8.85	8.74	8.99	9.72	9.48
Tier 2 Capital Ratio	2.65	2.54	2.18	2.1	1.9
Coverage Ratio	160.73	174.41	199.35	201.16	202.58
Interbank Ratio	25.4	21.13	28.67	50.13	48.11
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.41	1.45	1.43	1.5	1.6
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-1.74	1.86	-4.72	2.19	-1.51
Non Interest Income, 1 Yr. Growth %	26.23	6.71	2.6	7.28	2.44
Provision For Loan Losses, 1 Yr. Growth %	-6.63	-7.33	-13.22	-1.42	-5.09
Total Revenues, 1 Yr. Growth %	12.95	9.57	2.79	5.94	1.66
Earnings From Cont. Operations, 1 Yr. Growth %	13.82	11.66	8.12	2.07	2.91
Net Income, 1 Yr. Growth %	13.6	11.61	7.91	2.33	2.98
Normalized Net Income, 1 Yr. Growth %	12.75	12.16	1.5	8.53	4.23
Diluted EPS Before Extra, 1 Yr. Growth %	13.95	8.16	7.55	5.26	0
Dividend Per Share, 1 Yr. Growth %	18.9	8.94	-0.88	8.77	7.41
Gross Loans, 1 Yr. Growth %	8.55	6.18	6.71	4.03	2.48
Allowance For Loan Losses, 1 Yr. Growth %	-3.85	8.29	2.52	3.61	-1.7
Net Loans, 1 Yr. Growth %	8.91	6.13	6.82	4.04	2.59
Non Performing Loans, 1 Yr. Growth %	-8.16	-3.33	-0.63	2.6	1.1
Non Performing Assets, 1 Yr. Growth %	-8.06	-3.05	-0.99	2.44	0.84
Total Assets, 1 Yr. Growth %	7.08	6.27	5.91	5.3	6.28
Total Deposits, 1 Yr Growth %	3.83	5.63	1.33	6.68	3.55
Tangible Book Value, 1 Yr. Growth %	16.08	6.51	8.13	10.81	5.4
Average Interest Earning Assets, 1 Yr. Growth %	8.36	5.72	5.34	3.27	6.58
Average Interest Bearing Liabilities, 1 Yr. Growth %	9.04	6.14	5.98	2.41	7.46
Common Equity, 1 Yr. Growth %	16.04	6.61	8.22	10.56	5.24
Total Equity, 1 Yr. Growth %	14.75	6.72	7.12	9.89	4.99
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	0.33	0.04	-1.48	-1.33	0.32
Non Interest Income, 2 Yr. CAGR %	17.62	16.06	4.63	4.91	4.83
Provision For Loan Losses, 2 Yr. CAGR %	0.21	-6.98	-10.32	-7.51	-3.27
Total Revenues, 2 Yr. CAGR %	7.1	11.25	6.12	4.35	3.78
Earnings From Cont. Operations, 2 Yr. CAGR %	7.27	12.73	9.88	5.05	2.49
Net Income, 2 Yr. CAGR %	7.65	12.6	9.75	5.08	2.65
Normalized Net Income, 2 Yr. CAGR %	8.14	12.45	6.69	4.95	6.36
Diluted EPS Before Extra, 2 Yr. CAGR %	4.93	11.02	7.85	6.4	2.6
Dividend Per Share, 2 Yr. CAGR %	12.41	13.81	3.91	3.83	8.09
Gross Loans, 2 Yr. CAGR %	10.21	7.5	6.27	5.36	3.26
Allowance For Loan Losses, 2 Yr. CAGR %	2.24	2.14	5.2	3.06	0.92
Net Loans, 2 Yr. CAGR %	10.44	7.66	6.29	5.42	3.31
Non Performing Loans, 2 Yr. CAGR %	-	-5.78	-1.99	0.97	1.85
Non Performing Assets, 2 Yr. CAGR %	-	-5.59	-2.03	0.71	1.63
Total Assets, 2 Yr. CAGR %	9.15	6.68	6.09	5.61	5.79
Total Deposits, 2 Yr CAGR %	8.83	4.73	3.46	3.97	5.1
Tangible Book Value, 2 Yr. CAGR %	10.69	11.19	7.32	9.47	8.07
Average Interest Earning Assets, 2 Yr. CAGR %	-	7.03	5.53	4.3	4.91
Average Interest Bearing Liabilities, 2 Yr. CAGR %	-	7.58	6.06	4.18	4.9
Common Equity, 2 Yr. CAGR %	10.72	11.23	7.41	9.38	7.87
Total Equity, 2 Yr. CAGR %	9.85	10.66	6.92	8.5	7.41
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	9.41	0.84	-1.57	-0.28	-1.39
Non Interest Income, 3 Yr. CAGR %	2.34	13.86	11.39	5.51	4.08
Provision For Loan Losses, 3 Yr. CAGR %	9.98	-2.37	-9.11	-7.45	-6.71
Total Revenues, 3 Yr. CAGR %	5.74	7.91	8.35	6.06	3.45
Earnings From Cont. Operations, 3 Yr. CAGR %	7.5	8.71	11.17	7.21	4.33
Net Income, 3 Yr. CAGR %	7.72	8.95	11.02	7.22	4.38
Normalized Net Income, 3 Yr. CAGR %	6.72	9.47	8.68	7.3	4.71
Diluted EPS Before Extra, 3 Yr. CAGR %	3.65	6	9.85	6.98	4.22
Dividend Per Share, 3 Yr. CAGR %	9.5	11.24	8.69	5.51	5.01
Gross Loans, 3 Yr. CAGR %	10.4	8.95	7.12	5.52	4.39
Allowance For Loan Losses, 3 Yr. CAGR %	6.12	4.29	2.16	4.67	1.45
Net Loans, 3 Yr. CAGR %	10.52	9.08	7.26	5.54	4.47
Non Performing Loans, 3 Yr. CAGR %	1.76	-	-4.09	-0.48	1.01
Non Performing Assets, 3 Yr. CAGR %	1.27	-	-4.08	-0.56	0.75
Total Assets, 3 Yr. CAGR %	9.85	8.19	6.42	5.83	5.83
Total Deposits, 3 Yr CAGR %	10.36	7.75	3.58	4.52	3.83
Tangible Book Value, 3 Yr. CAGR %	13.87	9.28	10.16	8.47	8.09
Average Interest Earning Assets, 3 Yr. CAGR %	10.22	-	6.47	4.77	5.05
Average Interest Bearing Liabilities, 3 Yr. CAGR %	10.57	-	7.04	4.83	5.26
Common Equity, 3 Yr. CAGR %	13.76	9.34	10.21	8.45	7.98
Total Equity, 3 Yr. CAGR %	12.36	8.8	9.47	7.9	7.32
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	6.86	8.62	4.92	-0.03	-0.82
Non Interest Income, 5 Yr. CAGR %	3.76	1.31	3.25	10.19	8.72
Provision For Loan Losses, 5 Yr. CAGR %	10.99	7.3	1.36	-4.46	-6.82
Total Revenues, 5 Yr. CAGR %	3.47	5.66	5.89	6.48	6.5
Earnings From Cont. Operations, 5 Yr. CAGR %	6.17	7.98	8.45	7.23	7.61
Net Income, 5 Yr. CAGR %	5.97	7.85	8.53	7.39	7.59
Normalized Net Income, 5 Yr. CAGR %	3.2	6.75	6.71	7.64	7.74
Diluted EPS Before Extra, 5 Yr. CAGR %	2.89	4.76	5.31	6.16	6.89
Dividend Per Share, 5 Yr. CAGR %	7.03	4.74	7.23	8.22	8.45
Gross Loans, 5 Yr. CAGR %	11.03	10.09	8.79	7.43	5.56
Allowance For Loan Losses, 5 Yr. CAGR %	9.83	7.58	5.79	3.73	1.66
Net Loans, 5 Yr. CAGR %	11.06	10.16	8.87	7.53	5.66
Non Performing Loans, 5 Yr. CAGR %	6.79	3.98	0.24	-	-1.76
Non Performing Assets, 5 Yr. CAGR %	6.42	3.67	-0.06	-	-1.83
Total Assets, 5 Yr. CAGR %	6.28	8.53	8.33	7.15	6.17
Total Deposits, 5 Yr CAGR %	5.07	8.24	7.55	6.22	4.19
Tangible Book Value, 5 Yr. CAGR %	11.47	11.59	11.2	9.35	9.32
Average Interest Earning Assets, 5 Yr. CAGR %	6.32	6.57	8.32	-	5.84
Average Interest Bearing Liabilities, 5 Yr. CAGR %	6.78	7.52	8.74	-	6.18
Common Equity, 5 Yr. CAGR %	11.43	11.57	11.18	9.35	9.27
Total Equity, 5 Yr. CAGR %	10.82	10.71	10.15	8.68	8.64