Bank Of China Limited Class A · SSE:601988
Bank Of China Limited Class A — Bank Of China Ltd Ord — FY2021 Earnings Presentation
28 slides from Bank Of China Limited Class A's earnings presentation, Mar 29, 2022
Slide 1: Sustain Steady and Long-term Growth in Building a First-class Global Banking Group
2021 Annual Results Release Sustain Steady and Long-term Growth in Building a First-class Global Banking Group 2022.03.29
Slide 2: Forward-looking statements
This presentation and subsequent discussions may contain forward-looking statements that involve risks and uncertainties. These statements generally use the words “believe”, “expect”, “anticipate”, “estimate”, “plan”, “forecast”, “target”, “may”, “will” and other forward-looking terms. You should no
Slide 3: Annual Operating Results; Progress in Plan Implementation; Outlook
I Annual Operating Results II Progress in Plan Implementation III Outlook for the Next Stage 3
Slide 4: In 2021, Bank of China achieved good operating results
In 2021, Bank of China conscientiously implemented the decisions and plans of the CPC Central Committee and the State Council, successfully completed the annual tasks and objectives, and achieved good operating results 4
Slide 5: Earning abilities enhanced steadily
Earning abilities enhanced steadly Operating income +6.71% PPOP +3.87% Operating income two-year average two-year average exceeded RMB600 billion growth rate 4.94% growth rate 3.85% 605.7 605,717 550,010 567,647 379,362 RMB billion RMB million RMB million 351,741 365,236 2019 2020 2021 2019 2020 202
Slide 6: Business scales expanded robustly
Business scales expanded robustly Loans grew rapidly • Domestic RMB loans went up by RMB1.38 trillion, a record high of increase Assets +9.51% Loans +10.52% • Porportion of net loans to total increased 26,722.4 by 0.59 ppts to 57.34% 24,402.7 • The proportion of medium and long-term 14,216.5 15,712.
Slide 7: Operating efficiency improved decently
Operating efficiency improved decently Net interest margin ROA 0.89% • NIM rebounded in Q3 and Q4 in a row 1.75% • Interest rate on newly granted RMB loans decreased 13 bps yoy, supporting the -10 bps development of real economy Q1 Q2 Q3 Q4 +0.02 ppt • Interest payment ratio of customer deposits 202
Slide 8: Asset quality remained stable
Asset quality remained stable Major indicators Made solid progress with risk resolution % 1.46 NPL ratio 1.33% 0.13ppt 1.37 • Domestic institutions resolved RMB147.5 1.33 1.25 1.26 billion NPAs on/off B/S Overdue ratio 1.07% 0.19ppt • Expanded disposal channels, achieving Ratio of allowance 1.07 187
Slide 9: Customer base grew soundly
Customer base grew soundly • Active customers increased by 101.8 thousand, up 11.7% Corporate customers • Technological enterprises with credit granted exceeded 30 thousand Online customers • Credit customers under “specialized, refined, featured and Active innovative” service model surpassed 15 tho
Slide 10: Brand image further improved
Brand image further improved Comprehensive Strengths Ranked 4th in Top 1,000 World Banks Ranking in Global 500 rose 4 places Fitch Ratings Viability Rating upgraded to bbb S&P, Moody’s and Fitch all afirmed the Bank’s rating at the highest level among comparable Chinese peers Social Integrated envir
Slide 11: Progress in Plan Implementation
I Annual Operating Results II Progress in Plan Implementation III Outlook for the Next Stage 11
Slide 12: BOC released the Group's 14th Five-Year Plan
BOC formulated and released the Group’s 14th Five-Year Plan, accelerated development of key businesses, accumulated new momentum for transformation and reform, and made new achievements in operation and management 12
Slide 13: Eight priority areas: Technology finance
Made all-out efforts in eight priority areas to techno- green inclu- cross- con- wealth supply county- enhance competitiveness in serving the real economy logy sive border sumer chain level Technology finance Stepped up support Comprehensive support for exceeded RMB 1.26 trillion technology-based en
Slide 14: Eight priority areas: Green finance
Made all-out efforts in eight priority areas to techno- green inclu- cross- con- wealth supply county- enhance competitiveness in serving the real economy logy sive border sumer chain level Optimized Established Green finance governance structure policy system Set up the Steering Group for Green Fin
Slide 15: Eight priority areas: Inclusive finance
Made all-out efforts in eight priority areas to techno- green inclu- cross- con- wealth supply county- enhance competitiveness in serving the real economy logy sive border sumer chain level Inclusive finance Improved the service quality and effectiveness Inclusive finance loans to SMEs Loans balance
Slide 16: Eight priority areas: Cross-border finance
Made all-out efforts in eight priority areas to techno- green inclu- cross- con- wealth supply county- enhance competitiveness in serving the real economy logy sive border sumer chain level Cross-border finance Consolidated competitive advantages in cross-border finance Maintained the first position
Slide 17: Eight priority areas: Consumer finance
Made all-out efforts in eight priority areas to techno- green inclu- cross- con- wealth supply county- enhance competitiveness in serving the real economy logy sive border sumer chain level Consumer finance Business grew rapidly RMB consumer loans Instalments volume of credit cards 20.4% a market-le
Slide 18: Eight priority areas: Wealth finance
Made all-out efforts in eight priority areas to techno- green inclu- cross- con- wealth supply county- enhance competitiveness in serving the real economy logy sive border sumer chain level Wealth finance Customers Personal customers 495 million of which: medium and high-end customers increased by 1
Slide 19: Eight priority areas: Supply chain finance
Made all-out efforts in eight priority areas to techno- green inclu- cross- con- wealth supply county- enhance competitiveness in serving the real economy logy sive border sumer chain level Supply chain finance Focused on key areas of the country and enhanced financial support RMB 2.16 trillion Prov
Slide 20: Eight priority areas: County-level finance
Made all-out efforts in eight priority areas to techno- green inclu- cross- con- wealth supply county- enhance competitiveness in serving the real economy logy sive border sumer chain level County-level finance Established the Rural Revitalization Finance Department Formulated action plans for rural
Slide 21: Coordinated 'One Mainstay, Two Engines'
Effectively coordinated ‘One Mainstay, Two Engines’ and leveraged synergy by forging advantages together Domestic branches profit Loan growth to key domestic contribution enhanced areas accerlarated Domestic RMB deposits and loans Manufacturing 16.7% Medium and Up 8.13% Up 12.27% 28.8% long-term Dom
Slide 22: Coordinated 'One Mainstay, Two Engines': globalized and diversified operations
Effectively coordinated ‘One Mainstay, Two Engines’ and leveraged synergy by forging advantages together Globalized operations Diversified business platforms Maintained stable Quality and efficiency both improved Assets and profit contribution of overseas Profit after tax of comprehensive operation
Slide 23: Breakthroughs in key fields and digital transformation
Achieved continuous breakthroughs in key fields and made progress in digital transformation IT line: 12,873 employees IT investment RMB18.618 billion 6 projects won Total patent applications 4,569 4.20% of the Group’s total 3.07% of operating income FinTech 194 new patents granted YoY growth 13.75%
Slide 24: Strengthened risk management
Continuously strengthened risk management and maintained stable and orderly operation of the Group Improved comprehensive risk Accelerated the digital management system transformation of risk Improved the comprehensive risk governance management structure and clarify management responsibilities Stre
Slide 25: Outlook for the Next Stage
I Annual Operating Results II Progress in Plan Implementation III Outlook for the Next Stage 25
Slide 26: Priorities of 2022
Priorities of 2022 To realize our own high-quality development in the progress of serving high-quality economic and social development Actively integrate into Consolidate the advantages of Accelerate digital transformation Forestall and defuse financial national strategies and serve ‘One Mainstay, T
Slide 27: Year 2022 marks the 110th Anniversary for Bank of China
Year 2022 marks the 110th Anniversary for Bank of China 110 years ago, Bank of China set its purpose to serve the social and economic development of the country through finance. To that end, our people have worked hard and tirelessly to overcome all headwinds and challenges, and charted a course for
Slide 28: Thank You!
) btm te 1912 - 2022 Thank You!