华夏银行股份有限公司 关于召开 2023 年半年度业绩说明会的公告 本公司董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈述或 者重大遗漏，并对其内容的真实性、准确性和完整性承担法律责任。 重要内容提示： 证券代码：600015 股票简称：华夏银行 编号：2023—32 （三） 会议召开方式：上证路演中心网络互动 会议召开时间：2023 年 8 月 28 日(星期一)上午 11:00-12:00 会 议 召 开 地 点 ： 上 海 证 券 交 易 所 上 证 路 演 中 心 （ 网 址 ： https://roadshow.sseinfo.com/） 会议召开方式：上证路演中心网络互动 投资者可于 2023 年 8 月 21 日(星期一)至 8 月 25 日(星期五)16:00 前登录上 证路演中心网站首页，点击"提问预征集"栏目或通过本行 2023 年半年度业绩说明 会问题收集邮箱 zhdb@hxb.com.cn 进行提问。本行将在说明会上对投资者普遍关注 的问题进行回答。 华夏银行股份有限公司（以下简称"本行"）将于 2023 年 8 月 26 日在上海证 券交易所网站（www.sse.com. ...

Financial Performance - Total revenue for Q1 2023 was RMB 23,117 million, a decrease of 3.68% compared to the same period last year[2] - Net profit attributable to shareholders was RMB 5,854 million, an increase of 4.05% year-on-year[2] - Basic earnings per share for Q1 2023 was RMB 0.31, an increase of 3.33% year-on-year[2] - Net interest income for the first quarter of 2023 was RMB 17,606 million, a decrease of 6.3% compared to RMB 18,796 million in the same period of 2022[21] - The bank's net profit for Q1 2023 reached RMB 5,967 million, representing a 4.2% increase from RMB 5,727 million in Q1 2022[21] - The total operating income for the first quarter of 2023 was RMB 23,117 million, a decrease of 3.7% from RMB 24,000 million in Q1 2022[21] - The bank's other comprehensive income after tax for Q1 2023 was RMB 235 million, compared to a loss of RMB 545 million in the same period last year[22] - The bank's investment income for Q1 2023 was RMB 1,698 million, an increase from RMB 1,552 million in Q1 2022[21] Asset and Liability Management - Total assets reached RMB 4,029,117 million, up 3.31% from the end of the previous year[5] - The total liabilities of Huaxia Bank as of March 31, 2023, amounted to RMB 3,720,529 million, an increase of 4.0% from RMB 3,576,845 million on December 31, 2022[20] - The bank's total loans amounted to RMB 23,529,880 million, an increase of 3.52% from the end of the previous year[7] - The bank's risk-weighted assets are RMB 2,993,715 million as of March 31, 2023, up from RMB 2,851,236 million at the end of 2022[11] - The total cash and cash equivalents at the end of Q1 2023 were RMB 57,950 million, down from RMB 103,782 million at the end of Q1 2022[25] Capital and Liquidity - The net core tier 1 capital as of March 31, 2023, is RMB 267,584 million, showing an increase from RMB 262,499 million at the end of 2022[11] - The total capital net amount is RMB 363,728 million as of March 31, 2023, compared to RMB 377,107 million at the end of 2022[11] - The liquidity coverage ratio is 121.43% as of March 31, 2023, indicating a strong liquidity position[14] - The bank's qualified liquid assets total RMB 451,323 million as of March 31, 2023[14] Shareholder Information - The total number of common shareholders at the end of the reporting period is 108,836[8] - The largest shareholder, Shougang Group Co., Ltd., holds 21.68% of shares, totaling 3,449,730,597 shares[8] - The second largest shareholder, State Grid Yingda International Holdings Group Co., Ltd., holds 19.33% of shares, totaling 3,075,906,074 shares[8] - The third largest shareholder, China People's Property Insurance Co., Ltd., holds 16.11% of shares, totaling 2,563,255,062 shares[8] - The shares held by the top ten shareholders account for a significant portion of the company's equity, with the top three alone holding over 57%[9] - The company has issued a total of 2,564,537,330 A-shares in a private placement, with a lock-up period of five years for the shareholders[9] - The expected listing date for the shares from the 2018 private placement is January 8, 2024[9] - The company has a total of 2,599,929,412 unrestricted shares held by its largest shareholders[9] - The company has not disclosed any known relationships or concerted actions among the top shareholders[9] Cash Flow Analysis - Cash flow from operating activities was RMB 36,085 million, a decrease of 7.94% compared to the same period last year[5] - The net increase in customer deposits and interbank and other financial institution deposits was RMB 150,101 million for Q1 2023, compared to RMB 103,039 million in Q1 2022, representing a 45.6% increase[23] - The cash flow from financing activities generated a net cash inflow of RMB 6,981 million in Q1 2023, compared to RMB 15,019 million in Q1 2022[25] - The cash outflow for investment activities was RMB 397,108 million in Q1 2023, compared to RMB 263,873 million in Q1 2022, reflecting a significant increase of 50.4%[23] - The cash paid for taxes in Q1 2023 was RMB 4,804 million, an increase from RMB 4,065 million in Q1 2022, representing an 18.2% rise[23]

Financial Performance - The total asset scale reached CNY 3.900167 trillion, an increase of 6.09% compared to the previous year[6]. - The net profit attributable to shareholders was CNY 25.035 billion, reflecting a growth of 6.37% year-on-year[6]. - The company's operating income for 2022 was RMB 93,808 million, a decrease of 2.15% compared to RMB 95,870 million in 2021[14]. - Net profit attributable to shareholders for 2022 reached RMB 25,035 million, reflecting a growth of 6.37% from RMB 23,535 million in 2021[14]. - The net cash flow from operating activities increased by 11.21% to RMB 78,975 million in 2022, up from RMB 71,015 million in 2021[14]. - The company's total operating revenue for the reporting period was 938.08 billion CNY, with net interest income accounting for 79.20% of the total[38]. - The company reported a total operating profit of 33.695 billion CNY, reflecting a 6.84% increase[39]. - The company achieved a net interest margin of 2.07% for the reporting period[42]. - The company reported a total financial assets amounting to 725,056 million, with a fair value change of 1,207 million during the year[116]. Asset Quality and Risk Management - The non-performing loan ratio improved to 1.75%, a decrease of 0.02 percentage points from the end of the previous year[6]. - The provision coverage ratio increased to 159.88%, up by 8.89 percentage points from the previous year[6]. - The bank's focus on risk management led to a decline in the overdue loan ratio to 1.87%, down by 0.01 percentage points from the previous year[7]. - The company achieved a significant improvement in asset quality, with a notable reduction in credit and other asset impairment losses by 13.02%[36]. - The overdue loan balance was 42.436 billion yuan, accounting for 1.87% of the total loans, with loans overdue for more than 90 days making up 1.39%[93]. - The company has strengthened its compliance risk management, implementing a joint review mechanism for compliance risks[164]. - The company has actively enhanced operational risk management, improving the effectiveness of risk identification, monitoring, and reporting processes[162]. Loan and Deposit Growth - The balance of green loans was CNY 247.035 billion, growing by 18.49% compared to the previous year[7]. - The balance of small and micro enterprise loans reached CNY 160.904 billion, an increase of 16.56% year-on-year[7]. - The personal consumption loan balance was CNY 86.595 billion, reflecting a growth of 28.74% from the previous year[7]. - Total loans amounted to CNY 2,272.97 billion, up CNY 59.44 billion, or 2.69% from the previous year[34]. - Total deposits increased to CNY 2,063.87 billion, rising by CNY 159.51 billion, or 8.38% year-on-year[34]. - The company's small and micro enterprise loan balance reached CNY 565.47 billion, an increase of CNY 74.72 billion or 15.23% year-on-year[172]. - The number of small and micro enterprise loan customers increased to 789,120, up by 145,572 customers or 22.62% year-on-year[172]. Digital Transformation and Technology Investment - In 2022, Huaxia Bank's technology investment increased by 16.39%, with new digital financing business investments amounting to CNY 52.178 billion[8]. - The company is focused on digital transformation, aiming to build a first-class smart ecological bank[25]. - The company has implemented a new digital financial product line, including digital procurement loans and digital freight loans, enhancing its service capabilities in the industrial ecosystem[119]. - The company has launched a customer information management system to improve the efficiency of customer management and marketing[150]. - The company has established a digital innovation factory with 38 projects incubated, enhancing overall innovation efficiency[152]. Strategic Initiatives and Future Outlook - In 2023, Huaxia Bank aims to enhance digital transformation, wealth management banking, and comprehensive operations as key development areas[9]. - The company plans to optimize profit growth structure and strengthen asset-liability management to improve capital utilization efficiency[9]. - The company aims to maintain a reasonable net interest margin while adjusting its asset-liability structure[171]. - The company will focus on non-interest income growth by identifying new growth points through product and service innovation[180]. - The company recognizes the ongoing economic recovery challenges and will adapt its strategies to navigate uncertainties in the external environment[176]. Corporate Governance and Management - The company has completed a self-inspection and rectification of corporate governance as required by the CSRC, with independent directors continuing to fulfill their duties until new elections are approved[184]. - The company has a stable shareholder structure, with major shareholders supporting equity financing and minority shareholders participating in decision-making[184]. - The company has a diverse board composition, including 5 female directors[186]. - The company has successfully elected new independent directors, ensuring compliance with regulatory requirements and maintaining governance standards[184]. - The company has a well-structured compliance management framework, with the board of directors ultimately responsible for compliance in business operations[163].

证券代码：600015 股票简称：华夏银行 编号：2023—18 华夏银行股份有限公司 关于召开 2022 年度业绩说明会的公告 本公司董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈述或 者重大遗漏，并对其内容的真实性、准确性和完整性承担法律责任。 重要内容提示： 会议召开时间：2023 年 5 月 5 日(星期五)上午 9:00-10:00 会 议 召 开 地 点 ： 上 海 证 券 交 易 所 上 证 路 演 中 心 （ 网 址 ： http://roadshow.sseinfo.com/） 会议召开方式：上证路演中心网络互动 投资者可于 2023 年 4 月 25 日(星期二)至 5 月 4 日(星期四)16:00 前登录上证 路演中心网站首页，点击"提问预征集"栏目或通过本行 2022 年度业绩说明会问题 收集邮箱 zhdb@hxb.com.cn 进行提问。本行将在说明会上对投资者普遍关注的问题 进行回答。 华夏银行股份有限公司（以下简称"本行"）将于 2023 年 4 月 28 日在上海证 券交易所网站（www.sse.com.cn）披露本行 2022 年年度报告，为便于广大投资者更 全 ...

Financial Performance - In Q3 2022, the company's operating income was RMB 24,511 million, a year-on-year increase of 0.54%[2] - The net profit attributable to shareholders was RMB 5,546 million, reflecting a growth of 6.35% compared to the same period last year[2] - The total profit for the first nine months of 2022 was RMB 22,973 million, an increase of 6.08% year-on-year[6] - The net profit for the first nine months of 2022 was RMB 17,437 million, compared to RMB 16,445 million for the same period in 2021, reflecting an increase of about 6.0%[19] - Net profit for Q3 2022 reached RMB 5,670 million, compared to RMB 5,249 million in Q3 2021, representing an increase of about 8.0%[21] - The total comprehensive income for the first nine months of 2022 was RMB 6,242 million, compared to RMB 6,117 million in the same period of 2021[22] Assets and Liabilities - Total assets at the end of the reporting period reached RMB 3,842,028 million, an increase of 4.51% from the previous year-end[3] - Total liabilities as of September 30, 2022, were RMB 3,532,645 million, up from RMB 3,375,585 million at the end of 2021, marking an increase of approximately 4.7%[18] - The total loan amount increased to RMB 22,851,160 million, a growth of 3.23% from the previous year-end[6] - The total deposits reached RMB 20,740,790 million, reflecting an increase of 8.91% year-on-year[6] Shareholder Information - The total number of common shareholders at the end of the reporting period is 110,098[7] - The largest shareholder, Shougang Group Co., Ltd., holds 20.28% of shares, totaling 3,119,915,294 shares[7] - The second-largest shareholder, State Grid Yingda International Holdings Group Co., Ltd., holds 19.99% of shares, totaling 3,075,906,074 shares[7] - China People's Property Insurance Co., Ltd. holds 16.66% of shares, totaling 2,563,255,062 shares[7] Capital and Liquidity - The total net core tier 1 capital as of September 30, 2022, is RMB 290,096 million, showing an increase from RMB 284,197 million at the end of 2021[12] - The liquidity coverage ratio stands at 142.06% as of September 30, 2022, indicating a strong liquidity position[13] - The total capital adequacy ratio is 12.87% as of September 30, 2022, exceeding the minimum regulatory requirement of 8%[11] - The company raised a total of RMB 7,999,999,992.60 through a private placement of 527,704,485 shares to enhance core tier 1 capital[16] Cash Flow - The net cash flow from operating activities for the year-to-date was RMB 29,534 million, a decrease of 67.03% year-on-year[5] - The net cash flow from operating activities for the first nine months of 2022 was RMB 29,534 million, a significant decrease from RMB 89,584 million in the same period of 2021[23] - The bank's investment activities generated a net cash outflow of RMB 55,065 million in the first nine months of 2022, compared to RMB 59,068 million in the previous year[23] - Cash inflow from bond issuance totaled $60,000,000, showing a significant increase compared to previous periods[24] Credit Quality - The non-performing loan ratio was 1.78%, up by 0.01 percentage points from the previous year-end[3] - The provision coverage ratio improved to 153.46%, an increase of 2.47 percentage points year-on-year[3] - The non-performing loan ratio is 0.49% for suspicious loans, reflecting a decrease of 15.38% compared to the previous year[14] - The bank's credit impairment losses for the first nine months of 2022 were RMB 27,585 million, a decrease from RMB 30,090 million in the same period of 2021, indicating an improvement of approximately 8.3%[19] - The bank's credit impairment losses for Q3 2022 were RMB 8,714 million, a decrease from RMB 10,330 million in Q3 2021, indicating improved asset quality[21] Earnings and Income - The company maintained a basic earnings per share of RMB 0.36, with a year-on-year increase of 5.88%[2] - Basic earnings per share for the period was RMB 0.92, up from RMB 0.87 in the same period last year[20] - Interest income for the first nine months of 2022 was RMB 114,358 million, slightly down from RMB 114,904 million in the same period of 2021, indicating a decrease of approximately 0.5%[19] - The net interest income for the first nine months of 2022 was RMB 56,394 million, down from RMB 60,595 million in the same period of 2021, showing a decline of about 7.3%[19] - Net interest income for Q3 2022 was RMB 18,885 million, down from RMB 20,151 million in Q3 2021, reflecting a decrease of approximately 6.3%[21] - The bank's fee and commission income for the first nine months of 2022 was RMB 11,273 million, up from RMB 10,282 million in the same period of 2021, indicating a growth of approximately 9.7%[19]

Financial Reporting - Huaxia Bank reported a half-year financial report on August 26, 2022, with the board of directors ensuring the accuracy and completeness of the report[1]. - The financial report for the half-year period has not been audited[1]. - The bank's chairman, Li Minji, and the financial officer, Guan Wenjie, guarantee the authenticity and accuracy of the financial report[1]. - The report includes forward-looking statements that do not constitute a substantive commitment to investors, highlighting investment risks[1]. Financial Performance - Operating income for the first half of 2022 was RMB 48,452 million, a 0.70% increase compared to RMB 48,113 million in the same period of 2021[7]. - Net profit attributable to shareholders for the first half of 2022 reached RMB 11,530 million, reflecting a 5.01% increase from RMB 10,980 million in the same period of 2021[7]. - The total profit amounted to 155.03 billion yuan, reflecting a growth of 752 million yuan or 5.10% year-on-year[20]. - The net profit for the period was 117.67 billion yuan, up by 571 million yuan or 5.10% compared to the previous year[20]. - The bank's total profit amounted to RMB 15,503 million, an increase from RMB 14,751 million in the same period of 2021, reflecting a growth of 5.1%[200]. Assets and Liabilities - Total assets as of June 30, 2022, amounted to RMB 3,843,635 million, representing a 4.55% increase from RMB 3,676,287 million at the end of 2021[7]. - The total liabilities of the group were CNY 3,540.122 billion, an increase of CNY 164.537 billion, or 4.87% from the end of the previous year[56]. - The total equity of shareholders increased to 303.513 billion yuan as of June 30, 2022, up from 300.702 billion yuan at the beginning of the year[61]. Loans and Deposits - The total loan amount increased by 3.93% to RMB 2,300,469 million compared to RMB 2,213,529 million at the end of 2021[7]. - Total deposits increased to CNY 21,413.05 billion, a rise of CNY 2,369.42 billion or 12.44% compared to the previous year[16]. - The company's balance of personal loans was 681.806 billion yuan, an increase of 31.506 billion yuan, reflecting a growth of 4.84% year-on-year[67]. Non-Performing Loans - The non-performing loan ratio slightly increased to 1.79% from 1.77% at the end of 2021[7]. - The company's non-performing loan balance was 411.13 billion yuan, an increase of 20.40 billion yuan, with a non-performing loan ratio of 1.79%, up 0.02 percentage points[65]. - Non-performing loans (NPLs) are primarily concentrated in the manufacturing and wholesale/retail sectors, accounting for 36.89% of total NPLs, a decrease of 2.98 percentage points from the end of last year[68]. Capital Adequacy and Ratios - The core tier 1 capital adequacy ratio was 8.63%, above the regulatory minimum of 7.5%[9]. - The liquidity coverage ratio stood at 137.54%, well above the regulatory requirement of 100%[9]. - The total capital net amount as of June 30, 2022, was 324.673 billion yuan, with a capital adequacy ratio of 11.55%[80]. Digital Transformation and Innovation - The company is focused on digital transformation, enhancing its digital service capabilities and risk control systems[12]. - The company launched a new online personal consumption loan product, "Elite e-loan," enhancing digital transformation in consumer credit[101]. - The company is leveraging digital technologies such as blockchain and IoT to create new financial products like digital warehouse receipts and digital procurement loans[98]. Customer Engagement and Services - The average monthly active users of the personal mobile banking app reached 4.0967 million, a year-on-year growth of 14.65%[12]. - The total number of personal customers (excluding credit cards) reached 32.27 million, an increase of 2.54% compared to the end of the previous year[107]. - The cumulative number of credit cards issued reached 33.03 million, an increase of 5.30% compared to the previous year[111]. Risk Management - The company established a comprehensive market risk management system to address interest rate and exchange rate risks, with effective monitoring and control measures in place[129]. - The company focused on enhancing liquidity risk management by optimizing management measures and conducting stress tests[125]. - The company maintained an overall asset quality that remained stable, emphasizing the importance of risk management and compliance with national policies[139]. Environmental and Social Responsibility - The company is focusing on green finance, enhancing its capabilities in key sectors such as wind and solar energy projects, and electric vehicle manufacturing[160]. - The company achieved a complaint resolution rate of 99.99% within 15 days, with a total of 581.51 complaints per million personal customers[167]. - The company actively promoted green travel and implemented strict management of official vehicle usage to reduce emissions[164]. Related Party Transactions - The total amount of related party transactions approved for Shougang Group and its affiliates for 2022 is RMB 38.496 billion, with a credit-related transaction limit of RMB 28 billion and a non-credit-related transaction limit of RMB 10.496 billion[175]. - The total amount of related party transactions approved for State Grid Yingda International Holdings Group and its affiliates for 2022 is RMB 41.546 billion, with a credit-related transaction limit of RMB 28 billion and a non-credit-related transaction limit of RMB 13.546 billion[176]. Shareholder Information - Huaxia Bank reported a total share capital of 15,387,223,983 shares, with 83.33% being unrestricted shares[190]. - The total number of common shareholders as of the end of the reporting period is 113,216, with the largest shareholder, Shougang Group Co., Ltd., holding 20.28% of shares[192]. - The company has not experienced any share buyback situations during the reporting period[192].

Financial Performance - Total revenue for the first quarter reached RMB 24,000 million, an increase of 1.65% year-on-year[1] - Net profit attributable to shareholders was RMB 5,626 million, reflecting a year-on-year growth of 5.06%[1] - Total profit for the period was RMB 7,546 million, representing a 6.57% increase compared to the previous year[5] - Basic earnings per share were RMB 0.30, an increase of 3.45% compared to the same period last year[1] - The total comprehensive income attributable to shareholders of the parent company was RMB 5,081 million in Q1 2022, compared to RMB 5,598 million in Q1 2021[19] - Net profit for Q1 2022 was RMB 5,727 million, up from RMB 5,452 million in Q1 2021, reflecting a growth of 5.03%[18] Asset and Liability Management - Total assets at the end of the reporting period amounted to RMB 3,824,685 million, up 4.04% from the previous year[2] - The total liabilities were RMB 3,519,737 million, up from RMB 3,375,585 million at the end of 2021, indicating a growth of about 4.25%[17] - The total equity attributable to shareholders increased to RMB 302,437 million from RMB 298,292 million at the end of 2021, reflecting a growth of approximately 1.53%[17] - The total risk-weighted assets amount to 2,791,190 million RMB, with credit risk-weighted assets at 2,604,983 million RMB[9] Loan and Deposit Growth - Total loans increased to RMB 22,960,140 million, a growth of 3.73% from the previous year[5] - Total deposits reached RMB 20,653,660 million, up 8.45% year-on-year[5] - The net increase in customer deposits and interbank and other financial institution deposits was RMB 148,008 million, significantly higher than RMB 69,415 million in Q1 2021[20] - The total loan assets amounted to RMB 2,296,014 million, with normal loans constituting 95.28% of the total, reflecting a year-on-year increase of 3.88%[12] Non-Performing Loans and Risk Management - Non-performing loan ratio decreased to 1.75%, down 0.02 percentage points from the previous year[2] - Provision coverage ratio improved to 153.09%, an increase of 2.10 percentage points year-on-year[2] - The non-performing loan ratio remained stable, with the proportion of normal loans increasing while the proportion of special mention loans decreased by 0.45%[12] Capital Adequacy and Liquidity - The total net core tier 1 capital is reported at 244,232 million RMB, with a core tier 1 capital adequacy ratio of 8.75%[9] - The total capital adequacy ratio stands at 12.76%[9] - The liquidity coverage ratio stood at 122.30%, demonstrating a solid liquidity position with qualified liquid assets amounting to RMB 472,330 million[11] - The leverage ratio improved to 6.71% from 6.95% at the end of 2021, indicating a stronger capital position[10] Shareholder Information - The total number of common shareholders at the end of the reporting period is 116,678, with the top ten shareholders holding a combined 70.82% of shares[6] - Shougang Group Co., Ltd. is the largest shareholder, holding 3,119,915,294 shares, representing 20.28% of total shares[6] - The top ten preferred shareholders hold a total of 58,600,000 shares, representing 29.30% of the preferred shares[8] - The company has a total of 1,307,198,116 shares under lock-up conditions held by Beijing Infrastructure Investment Co., Ltd.[6] Cash Flow and Operating Activities - Net cash flow from operating activities was RMB 39,199 million, a significant increase of RMB 591.72 million year-on-year[4] - The company reported a cash net outflow of RMB 386,187 million over the next 30 days, indicating a need for careful liquidity management[11] - The cash and cash equivalents at the end of Q1 2022 amounted to RMB 103,782 million, up from RMB 64,675 million at the end of Q1 2021[21]

Financial Performance - Net profit for the year was CNY 23.903 billion, representing a growth of 10.83% year-on-year[6]. - The company's operating income for 2021 was RMB 95,870 million, a year-on-year increase of 0.59% from RMB 95,309 million in 2020[18]. - The net profit attributable to shareholders of the listed company reached RMB 23,535 million, reflecting a 10.62% increase compared to RMB 21,275 million in 2020[18]. - The net cash flow from operating activities surged by 104.31% to RMB 71,015 million, up from RMB 34,759 million in 2020[18]. - Non-interest income reached CNY 16.27 billion, an increase of CNY 2.92 billion, or 21.91% year-on-year, accounting for 16.97% of total income[43][50]. - The company achieved a return on equity of 9.04%, an increase of 0.40 percentage points from the previous year[43]. - Total operating revenue reached 95,870 million, a year-on-year increase of 0.59%, with operating profit at 31,538 million, up 16.16%[52]. Asset Quality - Non-performing loan ratio improved to 1.77%, a decrease of 0.03 percentage points from the end of the previous year[6]. - Provision coverage ratio increased to 150.99%, up by 3.77 percentage points from the previous year[6]. - The balance of non-performing loans was CNY 39.073 billion, an increase of CNY 10.97 billion compared to the previous year[100]. - The overdue loan balance was 41.56 billion yuan, with an overdue loan ratio of 1.88%, a decrease of 0.08 percentage points from the previous year[112]. - The group reported a total of 11.57 billion yuan in restructured loans, an increase of 4.65 billion yuan, with a restructured loan ratio of 0.05%[114]. Loan and Deposit Growth - Total loans amounted to CNY 2.213529 trillion, a growth of 4.96% year-on-year[7]. - Personal loan balance (excluding credit cards) increased to 471.05 billion yuan, marking an 11.03% growth year-on-year[162]. - The balance of small and micro enterprise loans under the "two increases" standard reached CNY 138.04 billion, up 23.69% year-over-year[35]. - Corporate deposits amounted to 1,515.758 billion yuan, reflecting a growth of 3.48% compared to the previous year[151]. - The total deposits absorbed by the group amounted to CNY 1,904.363 billion, an increase of CNY 86.033 billion or 4.73% year-on-year[92]. Digital Transformation and Innovation - Digital transformation investments rose by 13.66% compared to the previous year[8]. - Average monthly active users of personal mobile banking increased by 36.35% year-on-year[8]. - The company has established a digital talent training system to enhance its digital transformation capabilities[34]. - The company launched a mobile banking service with enhanced online features, improving customer experience and efficiency in personal loan applications[141]. - The company has accelerated its asset custody business, managing a total of 115 public funds with a scale of 2,500.49 billion yuan, an increase of 61.28% year-on-year[176]. Risk Management - The bank aims to strengthen risk management by improving asset disposal efficiency and enhancing risk preference transmission mechanisms[13]. - The company aims to enhance its risk management and compliance systems, focusing on internal control and anti-money laundering measures[45]. - The company has established a comprehensive risk management framework, including a risk and compliance management committee and a credit risk management organization to oversee various risk management policies[189]. - The company emphasizes liquidity risk management, maintaining a stable asset-liability structure and diversifying funding sources to ensure liquidity[193]. Strategic Focus and Initiatives - In 2022, Huaxia Bank focused on enhancing research and service capabilities in advanced manufacturing, strategic emerging industries, and technology innovation[12]. - The bank is committed to steady revenue growth, particularly in agency sales and wealth management, while optimizing asset-liability management[14]. - The company aims to develop a comprehensive green finance product service system, focusing on clean energy and carbon reduction[12]. - The company launched a dual-brand strategy for wealth management and private banking, introducing the "Wealth Management" and "Private Banking" brands, with nationwide marketing activities across 40 branches[165]. Awards and Recognition - The company received the "Top Ten Financial Brands" award at the 2020-2021 Media Gala held by Beijing Evening News and Beijing Daily[22]. - The company was awarded the "2021 Financial Services Excellent Case Award" for its collaboration with the World Bank on the "Beijing-Tianjin-Hebei Air Pollution Prevention Financing Innovation Project" at the China SME Investment and Financing Transaction Conference[23]. - The company was recognized as the "Best Transaction Bank" at the 11th China Trade and Economic Enterprises Most Trusted Financial Service Provider Awards[26]. - The company was awarded the "2021 ESG Green Finance Award" at the "2021 ESG Pioneer 60" selection event[25].

Financial Performance - In Q3 2021, the company reported operating income of RMB 24,380 million, an increase of 5.64% year-on-year[3]. - The net profit attributable to shareholders was RMB 5,215 million, reflecting a year-on-year growth of 9.03%[3]. - The total profit for the period was RMB 216.56 million, representing a growth of 16.86% year-on-year[7]. - Net profit for the first nine months of 2021 reached RMB 16,445 million, up from RMB 14,293 million in the same period of 2020, reflecting a year-over-year increase of about 15.1%[19]. - The total operating income for the first nine months of 2021 was RMB 72,493 million, compared to RMB 70,659 million in the same period of 2020, marking an increase of about 2.6%[19]. - The total operating income for the group in Q3 2021 was RMB 24,380 million, an increase from RMB 23,078 million in Q3 2020, representing a growth of 5.65%[21]. - The net profit attributable to shareholders of the parent company for Q3 2021 was RMB 5,215 million, up from RMB 4,783 million in Q3 2020, reflecting a growth of 9.05%[21]. - The total comprehensive income for the group in Q3 2021 was RMB 6,117 million, compared to RMB 3,473 million in Q3 2020, indicating a significant increase of 76.24%[22]. Asset and Liability Management - The total assets at the end of the reporting period reached RMB 3,549,265 million, up 4.40% from the previous year[4]. - The bank's total assets reached CNY 3,549,265 million as of September 30, 2021, compared to CNY 3,399,816 million at the end of 2020, marking a growth of 4.4%[17]. - The total liabilities of Huaxia Bank as of September 30, 2021, amounted to RMB 3,256,081 million, an increase from RMB 3,117,161 million as of December 31, 2020, representing a growth of approximately 4.5%[18]. - The adjusted on-balance and off-balance sheet asset balance was CNY 3,914,902 million, up from CNY 3,850,427 million in the previous quarter[12]. Loan and Deposit Metrics - The total loans amounted to RMB 21,792,110 million, an increase of 3.33% from the previous year[7]. - The bank's loan-to-deposit ratio was 103.07%, an increase from 101.56% at the end of the previous year[15]. - The bank's customer deposits increased by RMB 115,445 million in the first nine months of 2021, compared to an increase of RMB 298,640 million in the same period of 2020[23]. Non-Performing Loans and Risk Management - The non-performing loan ratio improved to 1.78%, a decrease of 0.02 percentage points compared to the end of the previous year[4]. - Non-performing loans accounted for 0.37% of total loans, with a total of CNY 8,134 million in loss loans, reflecting a 5.09% increase year-on-year[14]. - The bank's non-performing loan ratio was reported at 1.5% as of September 30, 2021, compared to 1.6% at the end of 2020, indicating an improvement in asset quality[19]. Capital and Liquidity - Core Tier 1 capital net amount reached CNY 232,570 million as of September 30, 2021, reflecting an increase from CNY 217,458 million at the end of 2020[11]. - The total capital net amount was CNY 343,749 million, up from CNY 322,127 million at the end of 2020, indicating a growth of 8.5%[11]. - The liquidity coverage ratio stood at 124.22%, indicating a strong liquidity position compared to the regulatory requirement[13]. - The bank's total qualified liquid assets amounted to CNY 364,692 million, ensuring adequate liquidity to meet short-term obligations[13]. Shareholder Information - The total number of common shareholders at the end of the reporting period was 117,341[8]. - The top three shareholders are Shougang Group Co., Ltd. (20.28%), State Grid Yingda International Holdings Group Co., Ltd. (19.99%), and China People's Property Insurance Co., Ltd. (16.66%)[8]. - Shougang Group Co., Ltd. holds 3,119,915,294 shares, representing 20.28% of total shares[8]. - The top ten shareholders hold a total of 10,000,000,000 shares, with Shougang Group being the largest[8]. - The total number of preferred shareholders at the end of the reporting period is 18[10]. - The largest preferred shareholder is China Ping An Property & Casualty Insurance Co., Ltd. with 58,600,000 shares, accounting for 29.30%[10]. - The second and third largest preferred shareholders are China Ping An Life Insurance Co., Ltd. with 39,100,000 shares each, representing 19.55%[10]. - There are no shares under pledge or freeze among the top ten preferred shareholders[10]. Cash Flow Analysis - The net cash flow from operating activities was RMB 89,584 million, a significant increase of 125.62% year-on-year[6]. - The net cash flow from operating activities for the group in the first nine months of 2021 was RMB 89,584 million, a decrease from RMB 39,706 million in the same period of 2020[23]. - The net cash flow from investing activities for the group in the first nine months of 2021 was RMB (59,068) million, compared to RMB (58,644) million in the same period of 2020, indicating a slight increase in outflow[23]. - The net cash flow from financing activities for the group in the first nine months of 2021 was RMB (24,615) million, compared to RMB 672 million in the same period of 2020, showing a significant increase in outflow[24]. Earnings and Income Metrics - The bank's basic earnings per share for Q3 2021 were RMB 0.34, compared to RMB 0.31 in Q3 2020, representing an increase of 9.68%[22]. - The bank's earnings per share for the first nine months of 2021 was RMB 0.87, an increase from RMB 0.74 in the same period of 2020[20]. - The bank's total comprehensive income for the first nine months of 2021 was RMB 17,935 million, compared to RMB 12,611 million in the same period of 2020, reflecting a significant increase of approximately 42.5%[20]. - The net interest income for the first nine months of 2021 was RMB 60,595 million, slightly down from RMB 60,796 million in the same period of 2020, indicating a decrease of approximately 0.3%[19]. - Net interest income for the bank in Q3 2021 was RMB 20,151 million, compared to RMB 20,740 million in Q3 2020, showing a decrease of 2.84%[21]. - The bank's fee and commission income for the first nine months of 2021 was RMB 10,282 million, slightly down from RMB 10,736 million in the same period of 2020, indicating a decrease of about 4.2%[19].