Agricultural Bank Of China Limited Class A · SSE:601288
Agricultural Bank Of China Limited Class A — H1 2014 Earnings Presentation
25 slides from Agricultural Bank Of China Limited Class A's earnings presentation, Aug 18, 2014
Slide 1: 2014 Interim Results Announcement
alpha2014\Presentations to client\2014-08-18 Interim results ppt & invitation\EN_2014年中期0818(改数字)_GS.pptx 2014 Interim Results Announcement Beijing / Hong Kong IFRS August 2014 0
Slide 2: Disclaimer
alpha2014\Presentations to client\2014-08-18 Interim results ppt & invitation\EN_2014年中期0818(改数字)_GS.pptx Disclaimer No information contained in this material constitutes any offer of, or any invitation for the purchase or subscription of, the securities of Agricultural Bank of China (“the Company”)
Slide 3: Results Overview
alpha2014\Presentations to client\2014-08-18 Interim results ppt & invitation\EN_2014年中期0818(改数字)_GS.pptx Results Overview Business Development Financial Performance County Area Banking Business Future Outlook 2 2
Slide 4: Financial Summary (1): Balance Sheet Indicators
alpha2014\Presentations to client\2014-08-18 Interim results ppt & invitation\EN_2014年中期0818(改数字)_GS.pptx Financial Summary (1): Balance Sheet Indicators Unit: RMB 100 million June 30, 2014 December 31, 2013 Total assets 160,066 145,621 9.9% Total loans and advances 78,409 72,247 8.5% Total liabilit
Slide 5: Financial Summary (2): Income Statement and Profitability Indicators
alpha2014\Presentations to client\2014-08-18 Interim results ppt & invitation\EN_2014年中期0818(改数字)_GS.pptx Financial Summary (2): Income Statement and Profitability Indicators Unit: RMB 100 million 2014H1 2013H1 Net interest income 2,094 1,800 16.4% Net fees and commission income 478 476 0.5% Operati
Slide 6: Business Development
alpha2014\Presentations to client\2014-08-18 Interim results ppt & invitation\EN_2014年中期0818(改数字)_GS.pptx Results Overview Business Development Financial Performance County Area Banking Business Future Outlook 5 5
Slide 7: Loan Business: Steady Growth in Total Loans with Continuous Optimization of Loan Structure
alpha2014\Presentations to client\2014-08-18 Interim results ppt & invitation\EN_2014年中期0818(改数字)_GS.pptx Loan Business: Steady Growth in Total Loans with Continuous Optimization of Loan Structure Steady Growth in Total Loans Rapid Growth of Personal Loans Unit: RMB 100 million Unit: RMB 100 million
Slide 8: Deposit Business: Steady Growth with Stable Deposit Structure
alpha2014\Presentations to client\2014-08-18 Interim results ppt & invitation\EN_2014年中期0818(改数字)_GS.pptx Deposit Business: Steady Growth with Stable Deposit Structure The share of Average Balance of Retail Deposits Steady Growth in Total Deposits Increased Steadily Unit: RMB 100 million 128,095 59.
Slide 9: Investment in Debt Securities: Continuous Optimization of the Portfolio
alpha2014\Presentations to client\2014-08-18 Interim results ppt & invitation\EN_2014年中期0818(改数字)_GS.pptx Investment in Debt Securities: Continuous Optimization of the Portfolio with Increased Investment Returns Steady Increase in Investment Returns on Non- Increasing Share of Policy Bank Bonds Rest
Slide 10: Electronic Banking Business: Constantly Improve Standards of E-Services
alpha2014\Presentations to client\2014-08-18 Interim results ppt & invitation\EN_2014年中期0818(改数字)_GS.pptx Electronic Banking Business: Constantly Improve Standards of E-Services and Consolidate the Channel Advantage Steady Increase in Percentage of Business Growing Number of E-banking Customers Repl
Slide 11: Financial Performance
alpha2014\Presentations to client\2014-08-18 Interim results ppt & invitation\EN_2014年中期0818(改数字)_GS.pptx Results Overview Business Development Financial Performance County Area Banking Business Future Outlook 10 10
Slide 12: Profitability: Steady Growth in Net Profit and High Shareholder Returns
alpha2014\Presentations to client\2014-08-18 Interim results ppt & invitation\EN_2014年中期0818(改数字)_GS.pptx Profitability: Steady Growth in Net Profit and Continuously Delivering Relatively High Shareholder Returns Net Profit ROAA Unit: RMB 100 million 1.35% 1.36% 1.31% 1,041 924 805 2012H1 2013H1 201
Slide 13: Net Interest Income: Relatively High Growth with Significant Pricing Advantage
alpha2014\Presentations to client\2014-08-18 Interim results ppt & invitation\EN_2014年中期0818(改数字)_GS.pptx Net Interest Income: Relatively High Growth with Significant Pricing Advantage High Growth of Net Interest Income NIM Remains High 2.93% 2,094 2.81% 2.79% 1,800 1,678 2012 2013 2014H1 Average Co
Slide 14: Intermediary Business: Consolidated Sustainable Development
alpha2014\Presentations to client\2014-08-18 Interim results ppt & invitation\EN_2014年中期0818(改数字)_GS.pptx Intermediary Business: Consolidated Sustainable Development with Repaid Growth of Emerging Businesses Unit: RMB 100 million 132 124 125 121 100 93 79 75 39 31 15 16 Settlement Agency Services Ba
Slide 15: Costs and Expenses: Cost-to-Income Ratio Posts Year-on-Year Decline
alpha2014\Presentations to client\2014-08-18 Interim results ppt & invitation\EN_2014年中期0818(改数字)_GS.pptx Costs and Expenses: Cost-to-Income Ratio Posts Year-on- Year Decline Expense Growth Remains Slower than Revenue Cost-to-Income Ratio Continues to Decline Growth 33.91% 17.2% 31.99% 14.2% 13.5% 1
Slide 16: Asset Quality: Remains Solid
alpha2014\Presentations to client\2014-08-18 Interim results ppt & invitation\EN_2014年中期0818(改数字)_GS.pptx Asset Quality: Remains Solid NPL Balance & NPL Ratio Special Mentioned Loans Unit: RMB 100 million Unit: RMB 100 million 975 2,955 858 878 2,843 2,763 1.33% 4.59% 1.24% 3.82% 1.22% 3.63% 2012 20
Slide 17: Risk Management: Sufficient Provision Coverage with Steady Decline in Credit Costs
alpha2014\Presentations to client\2014-08-18 Interim results ppt & invitation\EN_2014年中期0818(改数字)_GS.pptx Risk Management: Sufficient Provision Coverage with Steady Decline in Credit Costs Relatively High Provision Coverage and Credit Costs Decreased Steadily Allowance to Total Loan Ratio 367.0% 0.9
Slide 18: Capital Adequacy Ratio: In Compliance with Regulatory Requirements
alpha2014\Presentations to client\2014-08-18 Interim results ppt & invitation\EN_2014年中期0818(改数字)_GS.pptx Capital Adequacy Ratio: In Compliance with Regulatory Requirements Capital Adequacy Ratio Using the ICAAP Capital Adequacy Ratio Using the Standardized Approach (New Measure) Approach (New Measu
Slide 19: County Area Banking Business
alpha2014\Presentations to client\2014-08-18 Interim results ppt & invitation\EN_2014年中期0818(改数字)_GS.pptx Results Overview Business Development Financial Performance County Area Banking Business Future Outlook 18 18
Slide 20: County Area Banking Business: Continue to Grow with a Strong Momentum
alpha2014\Presentations to client\2014-08-18 Interim results ppt & invitation\EN_2014年中期0818(改数字)_GS.pptx County Area Banking Business: Continue to Grow with a Strong Momentum Steady Growth of County Area Deposits Relatively Fast Growth of County Area Loans Unit: RMB 100 million Unit: RMB 100 millio
Slide 21: County Area Banking Business: Significant Pricing Advantage
alpha2014\Presentations to client\2014-08-18 Interim results ppt & invitation\EN_2014年中期0818(改数字)_GS.pptx County Area Banking Business: Significant Pricing Advantage Significant Advantage in Deposit-Loan Spread County Area Average Cost of Deposits 1.84% 1.81% 1.76% 1.74% 1.74% 5.11% 1.68% 4.76% 4.74
Slide 22: County Area Banking Business: Stable Asset Quality
alpha2014\Presentations to client\2014-08-18 Interim results ppt & invitation\EN_2014年中期0818(改数字)_GS.pptx County Area Banking Business: Stable Asset Quality County Area Provision Coverage Ratio and County Area NPL Ratio Allowance to Total Loan Ratio 352.9% 336.9% 316.0% 1.66% 5.44% 5.38% 1.60% 5.24%
Slide 23: Future Outlook
alpha2014\Presentations to client\2014-08-18 Interim results ppt & invitation\EN_2014年中期0818(改数字)_GS.pptx Results Overview Business Development Financial Performance County Area Banking Business Future Outlook 22 22
Slide 24: Future Outlook
alpha2014\Presentations to client\2014-08-18 Interim results ppt & invitation\EN_2014年中期0818(改数字)_GS.pptx Future Outlook Further Consolidating实现差异化发展，将农行建设成 Differentiation 县域业务 Competitive Advantages to Build ABC into a 为一流的现代商业银行 First-class Modern Commercial Bank County-Area Credit Liability Busi
Slide 25: Thank You! Q&A
alpha2014\Presentations to client\2014-08-18 Interim results ppt & invitation\EN_2014年中期0818(改数字)_GS.pptx Thank You! Q&A 24 24
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