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1、China Everbright Bank Co Ltd100045BEIJINGBvD ID numberCN38203CHINAIndex number38203Publicly quotedYesStatusActiveThe GUO of this controlled subsidiary is THE CENTRAL PEOPLES GOVERNMENT OF CHINAContact details6FuxingmenWaiAvenue,XichengDistrictPhone number86(10)68098000EverbrightBldgFax number86(10)6
2、8561260100045BEIJINGWeb Site ACHINAStatus&accounts informationFormerly known asEverbrightBankofChinaBank History:EstablishedonAugust18,1992asEverbrightBankofChina.OnMarch18,1999absorbedChinaInvestmentBank.OnMarch30,1999itsnamechangedtoChinaEverbrightBankCoLtd.StatusActiveConsolidation CodeU1Accounti
3、ng StandardsLocalGAAPNicknameEVERCHINAccounts published inmilCNYSourceAnnualReportName of the AuditorKPMGHuazhenRelease Date03/05/2012BvD indep.indicatorC+ModelALLBANKSRanking/Size&main activityLatest total assets1,725,479milCNYRanking(Country),201014Latest net income17,919milCNYRanking(Country),rol
4、ling14Market cap.(31/05/2012)43,824.6milCNYWorld rank,2010122No of recordedshareholders18World rank,rolling112No of recordedsubsidiaries0SpecialisationCommercialBanksPeer GroupPeer Group NameCommercialBanksFarEastSize914Bank ratingsFitchRatingsYour account does not allow you to export the ratings fr
5、om FitchRatings.MoodysYour account does not allow you to export the ratings from Moodys.Standard&PoorsYour account does not allow you to export the ratings from Standard&Poors.Capital IntelligenceThis bank is currently not rated by Capital Intelligence.Country ratings(CHINA)FitchRatingsYour account
6、does not allow you to export the ratings from FitchRatings.Moodys Country CeilingsYour account does not allow you to export the ratings from Moodys Country Ceilings.Capital IntelligenceAsof05/2012ForeignCurrencyLT:ASince11/2007(previouslyBBB+)ForeignCurrencyST:A1Since11/2007(previouslyA2)ForeignCurr
7、encyOutlook:STABLESince11/2007CurrencyLT:ASince11/2007CurrencyST:A1Since11/2007CurrencyOutlook:STABLESince11/2007EIUAsof05/2012OverallCountryRisk:BBSince07/2006BankingSectorRisk:BSince07/2006BankingSectorRiskOutlook:StableSince08/2006(previouslyNegative)Standard&PoorsYour account does not allow you
8、to export the ratings from Standard&Poors.Global summaryUnconsolidatedstatementsLocalGAAPLocalGAAPLocalGAAPLocalGAAPLocalGAAPUnqualifiedUnqualifiedUnqualifiedUnqualifiedUnqualifiedOriginalOriginalOriginalOriginalOriginal31/12/201131/12/201031/12/200931/12/200831/12/200712months12months12months12mont
9、hs12monthsmilCNYmilCNYmilCNYmilCNYmilCNYBALANCE SHEETAssetsLoans868,665.5760,463.2632,115.3450,520.6395,103.8GrossLoans889,704.7778,735.4647,880.0464,573.7412,283.7Less:ReservesforImpairedLoans/NPLs21,039.218,272.215,764.714,053.117,179.9OtherEarningAssets781,216.7619,682.0506,402.8361,841.6322,534.
10、9LoansandAdvancestoBanks616,986.9428,471.1365,134.8226,468.0198,818.0Derivatives2,261.83,025.02,584.63,758.81,619.3OtherSecurities161,968.0188,185.9138,683.4131,614.8122,097.6Remainingearningassetsn.a.n.a.n.a.n.a.n.a.TotalEarningAssets1,649,882.21,380,145.21,138,518.1812,362.2717,638.7FixedAssets10,
11、795.310,137.88,825.98,022.13,748.3Non-EarningAssets64,801.489,652.150,304.531,453.817,799.5TotalAssets1,725,478.91,479,935.11,197,648.5851,838.1739,186.5Liabilities&EquityDeposits&Shorttermfunding1,510,979.21,254,429.21,068,603.4736,920.7669,495.9TotalCustomerDeposits1,178,445.11,029,527.5799,611.36
12、05,170.2540,661.3DepositsfromBanks311,572.1209,917.8245,901.6128,651.2128,508.2OtherDepositsandShort-termBorrowings20,962.014,983.923,090.53,099.3326.4Otherinterestbearingliabilities65,540.552,429.931,844.943,103.726,674.2Derivatives3,062.52,960.42,235.73,871.31,082.7TradingLiabilities46,478.033,469
13、.58,059.220,682.420,041.5Longtermfunding16,000.016,000.021,550.018,550.05,550.0Other(Non-Interestbearing)46,840.886,557.345,672.735,672.016,685.6LoanLossReservesn.a.n.a.n.a.n.a.n.a.OtherReserves6,260.45,181.93,420.32,909.61,641.7Equity95,858.081,336.848,107.233,232.124,689.1TotalLiabilities&Equity1,
14、725,478.91,479,935.11,197,648.5851,838.1739,186.5NotesImpairedLoans(Memo)5,727.15,587.77,426.89,362.018,749.0LoanLossReserves(Memo)21,039.218,272.215,764.714,053.117,179.9LiquidAssets(Memo)644,802.8454,754.2378,670.2241,493.2208,825.6Intangibles(Memo)1,808.41,672.31,651.71,608.21,566.1OffBalanceShee
15、tItems553,723.3450,991.7289,541.6205,674.8156,722.8HybridCapital(Memo)n.a.0.00.00.00.0SubordinatedDebts(Memo)16,000.016,000.021,550.018,550.05,550.0INCOME STATEMENTUnqualifiedUnqualifiedUnqualifiedUnqualifiedUnqualifiedOriginalOriginalOriginalOriginalOriginal31/12/201131/12/201031/12/200931/12/20083
16、1/12/200712months12months12months12months12monthsmilCNYmilCNYmilCNYmilCNYmilCNYNetInterestRevenue39,154.930,380.319,601.622,335.717,772.4OtherOperatingIncome6,532.25,057.64,656.62,365.42,271.9NetGains(Losses)onTradingandDerivatives-145.4-170.8530.7-454.6791.9NetGains(Losses)onAssetsatFVthroughIncome
17、Statement-157.4-176.5-70.2208.7-253.0NetFeesandCommissions6,873.24,658.23,156.62,174.31,189.6RemainingOperatingIncome-38.2746.71,039.5437.0543.4Overheads14,717.912,602.19,565.18,324.46,413.3LoanLossProvisions3,417.13,252.82,385.06,049.63,705.9Other-132.9-89.5-4.6-443.5-69.4ProfitbeforeTax27,419.219,
18、493.512,303.59,883.69,855.7Tax9,499.86,731.54,659.52,567.34,816.5NetIncome17,919.412,762.07,644.07,316.35,039.2OperatingIncome(Memo)45,685.035,435.924,255.624,701.120,044.3DividendPaidn.a.3,825.13,336.00.00.0TotalCapitalRation.a.n.a.n.a.9.107.19Tier1Ration.a.n.a.n.a.5.986.20TotalCapitaln.a.n.a.n.a.4
19、3,705.226,708.1Tier1Capitaln.a.n.a.n.a.28,704.623,047.6Net-ChargeOffs598.1679.9519.5745.73,911.3Universal bank modelUnconsolidatedstatementsLocalGAAPLocalGAAPLocalGAAPLocalGAAPLocalGAAPUnqualifiedUnqualifiedUnqualifiedUnqualifiedUnqualifiedOriginalOriginalOriginalOriginalOriginal31/12/201131/12/2010
20、31/12/200931/12/200831/12/200712months12months12months12months12monthsmilCNYmilCNYmilCNYmilCNYmilCNYIncome StatementInterestIncomeonLoans50,060.336,421.327,557.231,209.824,010.4OtherInterestIncome27,276.917,679.19,866.411,895.17,095.5DividendIncomen.a.n.a.n.a.n.a.n.a.GrossInterestandDividendIncome77
21、,337.254,100.437,423.643,104.931,105.9InterestExpenseonCustomerDeposits23,439.014,398.413,234.613,735.310,307.9OtherInterestExpense14,743.39,321.74,587.47,033.93,025.6TotalInterestExpense38,182.323,720.117,822.020,769.213,333.5NetInterestIncome39,154.930,380.319,601.622,335.717,772.4NetGains(Losses)
22、onTradingandDerivatives-145.4-170.8530.7-454.6791.9NetGains(Losses)onOtherSecurities-114.7325.9569.9138.8346.0NetGains(Losses)onAssetsatFVthroughIncomeStatement-157.4-176.5-70.2208.7-253.0NetInsuranceIncomen.a.n.a.n.a.n.a.n.a.NetFeesandCommissions6,873.24,658.23,156.62,174.31,189.6OtherOperatingInco
23、me74.4418.8467.0298.2197.4TotalNon-InterestOperatingIncome6,530.15,055.64,654.02,365.42,271.9PersonnelExpenses8,556.37,405.45,400.64,583.03,141.6OtherOperatingExpenses6,161.65,196.74,164.53,741.43,271.7TotalNon-InterestExpenses14,717.912,602.19,565.18,324.46,413.3Equity-accountedProfit/Loss-Operatin
24、g2.12.02.6n.a.n.a.Pre-ImpairmentOperatingProfit30,969.222,835.814,693.116,376.713,631.0LoanImpairmentCharge3,417.13,252.82,385.06,049.63,705.9SecuritiesandOtherCreditImpairmentCharges192.4210.1-25.4238.1-6.4OperatingProfit27,359.719,372.912,333.510,089.09,931.5Equity-accountedProfit/Loss-Non-operati
25、ngn.a.n.a.n.a.n.a.n.a.Non-recurringIncome121.4193.652.179.160.4Non-recurringExpense61.973.082.1284.5136.2ChangeinFairValueofOwnDebtn.a.n.a.n.a.n.a.n.a.OtherNon-operatingIncomeandExpensesn.a.n.a.n.a.n.a.n.a.Pre-taxProfit27,419.219,493.512,303.59,883.69,855.7Taxexpense9,499.86,731.54,659.52,567.34,816
26、.5Profit/LossfromDiscontinuedOperationsn.a.n.a.n.a.n.a.n.a.NetIncome17,919.412,762.07,644.07,316.35,039.2ChangeinValueofAFSInvestments426.9-736.5-322.01,440.9-156.6RevaluationofFixedAssetsn.a.n.a.n.a.n.a.n.a.CurrencyTranslationDifferencesn.a.n.a.n.a.n.a.n.a.RemainingOCIGains/(losses)n.a.-119.5-558.3
27、n.a.n.a.FitchComprehensiveIncome18,346.311,906.06,763.78,757.24,882.6Memo:ProfitAllocationtoNon-controllingInterestsn.a.n.a.n.a.n.a.n.a.Memo:NetIncomeafterAllocationtoNon-controllingInterests17,919.412,762.07,644.07,316.35,039.2Memo:CommonDividendsRelatingtothePeriodn.a.3,825.13,336.00.00.0Memo:Pref
28、erredDividendsRelatedtothePeriodn.a.n.a.n.a.n.a.n.a.Balance SheetAssetsLoansResidentialMortgageLoans130,190.1118,260.994,046.458,351.847,079.8OtherMortgageLoansn.a.n.a.n.a.n.a.n.a.OtherConsumer/RetailLoans103,230.475,515.546,732.832,181.733,851.3Corporate&CommercialLoans656,284.2584,959.0507,100.837
29、4,040.2331,352.6OtherLoansn.a.n.a.n.a.n.a.n.a.Less:ReservesforImpairedLoans/NPLs21,039.218,272.215,764.714,053.117,179.9NetLoans868,665.5760,463.2632,115.3450,520.6395,103.8GrossLoans889,704.7778,735.4647,880.0464,573.7412,283.7Memo:ImpairedLoansincludedabove5,727.15,587.77,426.89,362.018,749.0Memo:
30、LoansatFairValueincludedaboven.a.n.a.n.a.n.a.n.a.Other Earning AssetsLoansandAdvancestoBanks616,986.9258,434.1243,839.7226,468.0198,818.0ReverseReposandCashCollateraln.a.170,037.0121,295.1n.a.n.a.TradingSecuritiesandatFVthroughIncome22,726.622,397.110,401.512,668.27,508.6Derivatives2,261.83,025.02,5
31、84.63,758.81,619.3AvailableforSaleSecurities54,402.877,142.054,617.857,661.644,923.2HeldtoMaturitySecurities83,984.587,792.773,530.061,187.169,544.1At-equityInvestmentsinAssociates854.1854.1134.197.9121.7OtherSecuritiesn.a.n.a.n.a.n.a.n.a.TotalSecurities164,229.8361,247.9262,563.1135,373.6123,716.9M
32、emo:GovernmentSecuritiesincludedAbove40,300.476,335.040,636.939,953.424,557.8Memo:TotalSecuritiesPledged42,431.226,444.115,041.914,544.244,003.9InvestmentsinPropertyn.a.n.a.n.a.n.a.n.a.InsuranceAssetsn.a.n.a.n.a.n.a.n.a.OtherEarningAssetsn.a.n.a.n.a.n.a.n.a.TotalEarningAssets1,649,882.21,380,145.21,
33、138,518.1812,362.2717,638.7Non-earning AssetsCashandDueFromBanks5,089.33,886.03,133.92,357.02,499.0Memo:MandatoryReservesincludedaboven.a.n.a.n.a.n.a.n.a.ForeclosedRealEstate5.20.30.40.9428.8FixedAssets10,795.310,137.88,825.98,022.13,748.3Goodwill1,281.01,281.01,281.01,281.01,281.0OtherIntangibles52
34、7.4391.3370.7327.2285.1CurrentTaxAssetsn.a.n.a.n.a.n.a.n.a.DeferredTaxAssets1,844.91,306.2575.8736.32,241.0DiscontinuedOperationsn.a.n.a.n.a.n.a.n.a.OtherAssets56,053.682,787.344,942.726,751.411,064.6TotalAssets1,725,478.91,479,935.11,197,648.5851,838.1739,186.5Liabilities and EquityInterest-bearing
35、 LiabilitiesCustomerDeposits-Current477,418.8445,087.3350,144.4279,467.1279,911.5CustomerDeposits-Savingsn.a.n.a.n.a.n.a.n.a.CustomerDeposits-Term701,026.3584,440.2449,466.9325,703.1260,749.8TotalCustomerDeposits1,178,445.11,029,527.5799,611.3605,170.2540,661.3DepositsfromBanks270,963.1197,239.1231,
36、260.1121,694.489,721.6ReposandCashCollateral40,609.012,678.714,641.56,956.838,786.6OtherDepositsandShort-termBorrowings20,962.014,983.923,090.53,099.3326.4TotalDeposits,MoneyMarketandShort-termFunding1,510,979.21,254,429.21,068,603.4736,920.7669,495.9SeniorDebtMaturingafter1Yearn.a.n.a.n.a.n.a.n.a.S
37、ubordinatedBorrowing16,000.016,000.021,550.018,550.05,550.0OtherFundingn.a.n.a.n.a.n.a.n.a.TotalLongTermFunding16,000.016,000.021,550.018,550.05,550.0Derivatives3,062.52,960.42,235.73,871.31,082.7TradingLiabilities46,478.033,469.58,059.220,682.420,041.5TotalFunding1,576,519.71,306,859.11,100,448.378
38、0,024.4696,170.1Non-interest Bearing LiabilitiesFairValuePortionofDebtn.a.0.00.00.00.0Creditimpairmentreservesn.a.n.a.n.a.n.a.n.a.ReservesforPensionsandOther6,260.45,181.93,420.32,909.61,641.7CurrentTaxLiabilities2,512.01,651.2752.5847.73,669.6DeferredTaxLiabilitiesn.a.0.00.00.00.0OtherDeferredLiabi
39、lities12,551.78,528.56,283.76,599.14,026.0DiscontinuedOperationsn.a.n.a.n.a.n.a.n.a.InsuranceLiabilitiesn.a.n.a.n.a.n.a.n.a.OtherLiabilities31,777.176,377.638,636.528,225.28,990.0TotalLiabilities1,629,620.91,398,598.31,149,541.3818,606.0714,497.4Hybrid CapitalPref.SharesandHybridCapitalaccountedfora
40、sDebtn.a.0.00.00.00.0Pref.SharesandHybridCapitalaccountedforasEquityn.a.n.a.n.a.n.a.n.a.EquityCommonEquity96,082.982,192.748,987.532,147.724,831.4Non-controllingInterestn.a.n.a.n.a.n.a.n.a.SecuritiesRevaluationReserves-224.9-855.9-880.31,084.4-142.3ForeignExchangeRevaluationReservesn.a.n.a.n.a.n.a.n
41、.a.FixedAssetRevaluationsandOtherAccumulatedOCIn.a.n.a.n.a.n.a.n.a.TotalEquity95,858.081,336.848,107.233,232.124,689.1TotalLiabilitiesandEquity1,725,478.91,479,935.11,197,648.5851,838.1739,186.5Memo:FitchCoreCapitaln.a.n.a.45,879.730,887.620,882.0Memo:FitchEligibleCapitaln.a.n.a.62,042.244,125.125,0
42、44.5Summary AnalyticsProfitability RatiosInterest RatiosInterestIncomeonLoans/AverageGrossLoans%5.995.054.957.126.28InterestExpenseonCustomerDeposits/AverageCustomerDeposits%2.091.531.882.401.98InterestIncome/AverageEarningAssets%5.414.323.845.634.81InterestExpense/AverageInterest-bearingLiabilities
43、%2.601.911.902.812.08NetInterestIncome/AverageEarningAssets%2.742.432.012.922.75NetInt.IncLessLoanImpairmentCharges/Av.EarningAssets%2.502.171.772.132.17NetInterestIncLessPreferredStockDividend/AverageEarningAssets%2.742.432.012.922.75Other Operating Profitability RatiosNon-InterestIncome/GrossReven
44、ues%14.2914.2719.199.5811.33Non-InterestExpense/GrossRevenues%32.2235.5639.4333.7032.00Non-InterestExpense/AverageAssets%0.900.910.931.050.96Pre-impairmentOp.Profit/AverageEquity%34.9632.7236.1356.55111.24Pre-impairmentOp.Profit/AverageTotalAssets%1.901.641.432.062.04Loansandsecuritiesimpairmentchar
45、ges/Pre-impairmentOp.Profit%11.6615.1616.0638.3927.14OperatingProfit/AverageEquity%30.8827.7630.3334.8481.05OperatingProfit/AverageTotalAssets%1.681.391.201.271.49Taxes/Pre-taxProfit%34.6534.5337.8725.9848.87Pre-ImpairmentOperatingProfit/RiskWeightedAssets%n.a.n.a.n.a.3.413.67OperatingProfit/RiskWei
46、ghtedAssets%n.a.n.a.n.a.2.102.67Other Profitability RatiosNetIncome/AverageTotalEquity%20.2318.2818.8025.2641.13NetIncome/AverageTotalAssets%1.100.920.750.920.75FitchComprehensiveIncome/AverageTotalEquity%20.7117.0616.6330.2439.85FitchComprehensiveIncome/AverageTotalAssets%1.130.860.661.100.73NetInc
47、ome/Av.TotalAssetsplusAv.ManagedSecuritizedAssets%n.a.0.920.750.920.75NetIncome/RiskWeightedAssets%n.a.n.a.n.a.1.521.36FitchComprehensiveIncome/RiskWeightedAssets%n.a.n.a.n.a.1.821.31CapitalizationFitchCoreCapital/WeightedRisks%n.a.n.a.n.a.6.435.62FitchEligibleCapital/WeightedRisks%n.a.n.a.9.149.196
48、.74TangibleCommonEquity/TangibleAssets%5.465.393.883.723.13Tier1RegulatoryCapitalRatio%n.a.n.a.n.a.5.986.20TotalRegulatoryCapitalRatio%n.a.n.a.n.a.9.107.19CoreTier1RegulatoryCapitalRatio%n.a.n.a.n.a.n.a.n.a.Equity/TotalAssets%5.565.504.023.903.34CashDividendsPaid&Declared/NetIncome%n.a.29.9743.640.0
49、00.00CashDividendPaid&Declared/FitchComprehensiveIncome%n.a.32.1349.320.000.00CashDividends&ShareRepurchase/NetIncome%n.a.n.a.n.a.n.a.n.a.NetIncome-CashDividends/TotalEquity%18.6910.998.9622.0220.41Loan QualityGrowthofTotalAssets%16.5923.5740.6015.2424.00GrowthofGrossLoans%14.2520.2039.4612.6817.08I
50、mpairedLoans(NPLs)/GrossLoans%0.640.721.152.024.55ReservesforImpairedLoans/Grossloans%2.362.352.433.024.17ReservesforImpairedLoans/ImpairedLoans%367.36327.01212.27150.1191.63ImpairedLoanslessReservesforImpLoans/Equity%-15.97-15.60-17.33-14.126.36LoanImpairmentCharges/AverageGrossLoans%0.410.450.431.
