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Financial Highlights for 2017 Annual Results

Profitability(%) 2017 2016 Change
Returnonaveragetotalassets(1) 1.14 1.20

-0.06
Returnonweightedaverageequity(2) 14.35 15.24

-0.89
Cost-to-incomeratio(3) 26.45 27.40 -0.95

Notes: (1) Calculated by dividing net profit by the average balance of total assets at the beginning and at the end of the reporting period.

(2) Calculated in accordance with the Rules for the Compilation and Submission of Information Disclosure by Companies that Offer Securities to the Public No. 9 — Calculation and Disclosure of Return on Net Assets and Earnings per Share (Revision 2010) issued by China Securities Regulatory Commission.

(3) Calculated by dividing operating expense (less taxes and surcharges) by operating income.

AssetQuality(%) 2017.12.31 2016.12.31 Change
NPLratio(1) 1.55 1.62 -0.07
AllowancetoNPL(2) 154.07 136.69 17.38

Notes: (1) Calculated by dividing the balance of NPLs by total balance of loans and advances to customers.

(2) Calculated by dividing allowance for impairment losses on loans by total balance of NPLs.

CapitalAdequacy(%) 2017.12.31 2016.12.31 Change
CoreTier1CapitalAdequacyRatio 12.77 12.87

-0.1
CapitalAdequacyRatio 15.14 14.61 0.53
Note:CalculatedinaccordancewiththeRegulationGoverningCapitalofCommercialBanks(Provisional)promulgatedbyCBRC.