香港交易及結算所有限公司及香港聯合交易所有限公司對本通告之內容概不負責，對其 準確性或完整性亦不發表任何聲明，並明確表示，概不就因本通告全部或任何部分內容 而產生或因倚賴該等內容而引致之任何損失承擔任何責任。 Bank of Communications Co., Ltd. 03328 董事會會議通告 茲通知交通銀行股份有限公司（「本行」）董事會（「董事會」）將於二零二三年八月二十五日 （星期五）舉行董事會會議，藉以（其中包括）(i)審議及批准本行及其附屬公司截至二零二 三年六月三十日止六個月之中期業績；及(ii)考慮派付中期股息（如有）。 承董事會命 交通銀行股份有限公司 何兆斌 公司秘書 中國上海 2023年8月14日 於本通告發佈之日，本行董事為任德奇先生、劉珺先生、李龍成先生*、汪林平先生*、 常保升先生*、廖宜建先生*、陳紹宗先生*、穆國新先生*、陳俊奎先生*、羅小鵬先生*、 胡展雲先生 # 、蔡浩儀先生 # 、石磊先生 # 、張向東先生 # 、李曉慧女士 # 及馬駿先生 # 。 * 非執行董事 # 獨立非執行董事 ...

Financial Performance - Net profit attributable to shareholders was RMB 24,633 million, a 5.63% increase compared to the same period last year[4] - Operating income for Q1 2023 was 67,079 million RMB, an increase from 63,578 million RMB in Q1 2022, representing a growth of approximately 2.4%[30] - Net profit for Q1 2023 was 24,951 million RMB, up from 23,313 million RMB in Q1 2022, reflecting a growth of about 7.0%[30] - Total profit for Q1 2023 reached 26,402 million RMB, compared to 25,134 million RMB in the same period last year, indicating an increase of approximately 5.0%[30] - Basic earnings per share were RMB 0.33, up by 6.45% from the previous year[4] - Basic earnings per share for Q1 2023 were 0.33 RMB, compared to 0.31 RMB in Q1 2022, reflecting an increase of about 6.5%[31] Assets and Liabilities - Total assets reached RMB 13,654,273 million, an increase of 5.10% compared to the end of 2022[4] - Total liabilities were RMB 12,596,687 million, up by 5.34% from the previous year[4] - The total assets of the company amounted to RMB 13,654,273 million as of March 31, 2023, an increase from RMB 12,991,571 million at the end of 2022[25][26] - The total liabilities of the company were RMB 12,596,687 million, an increase from RMB 11,958,049 million at the end of 2022[26] - The total adjusted on-balance and off-balance sheet assets amounted to RMB 14,983.789 billion as of March 31, 2023, compared to RMB 14,349.614 billion at the end of 2022, indicating a growth of 4.4%[43] Customer Loans and Deposits - Customer loans amounted to RMB 7,681,405 million, reflecting a growth of 5.30% year-on-year[4] - Customer deposits increased to RMB 8,498,740 million, representing a 6.91% rise[4] - Customer loan balance at the end of Q1 2023 was CNY 7,681.41 billion, an increase of CNY 386.44 billion, or 5.30% from the end of the previous year[20] - Customer deposit balance reached CNY 8,498.74 billion, up CNY 549.67 billion, or 6.91% year-on-year[21] Non-Performing Loans - The non-performing loan balance was CNY 102.95 billion, an increase of CNY 4.42 billion, or 4.49% from the end of the previous year[22] - The total loans reached RMB 7,681,405 million as of March 31, 2023, with a non-performing loan (NPL) rate of 1.34%[24] - The company reported a decrease in the NPL rate compared to the end of the previous year, while overdue loan and attention loan rates slightly increased[24] - Corporate loans accounted for 66.13% of total loans, with an NPL rate of 1.59%[24] - Personal loans represented 31.09% of total loans, with an NPL rate of 0.92%[24] Cash Flow and Operating Activities - Operating cash flow net amount was RMB 132,977 million, showing a significant increase of 30.86% year-on-year[7] - The net cash flow from operating activities amounted to RMB 132,977 million, an increase of 30.8% compared to RMB 101,621 million in the previous year[35] - The cash flow from operating activities totaled RMB 903,082 million, compared to RMB 751,633 million in the previous year, representing a growth of 20.2%[35] Capital Adequacy and Liquidity - The capital adequacy ratio stood at 14.79%, with a Tier 1 capital ratio of 12.07% and a core Tier 1 capital ratio of 10.03%, all meeting regulatory requirements[40] - The liquidity coverage ratio averaged 123.06% in Q1 2023, an increase of 1.06 percentage points from the previous quarter, due to an increase in high-quality liquid assets[44] - The amount of high-quality liquid assets was RMB 2,434.068 billion, contributing to the liquidity coverage ratio[45] - The leverage ratio was reported at 6.94%, meeting the regulatory requirement of 0.375%[42] Shareholder Information - The total number of ordinary shareholders was 342,987, with A-shares accounting for 91.0%[8] - The top ten shareholders held a combined 56.67% of the total shares, indicating a concentrated ownership structure[9] Investment Income - Investment income rose significantly to 5,947 million RMB compared to 2,640 million RMB, marking an increase of approximately 125.5%[30]

Financial Performance - Net operating income for Q1 2023 was RMB 67,169 million, a decrease of 5.47% from the adjusted figure of RMB 63,687 million for Q1 2022[3] - Profit before tax for Q1 2023 was RMB 26,402 million, showing an increase of 5.04% compared to the adjusted figure of RMB 25,134 million for Q1 2022[3] - Net profit attributable to shareholders was RMB 24,633 million, up by 5.63% from the adjusted figure of RMB 23,320 million for Q1 2022[3] - Basic earnings per share for Q1 2023 were RMB 0.33, reflecting a growth of 6.45% compared to RMB 0.31 for Q1 2022[3] - The company reported a net profit of RMB 24,951 million for the first quarter of 2023, an increase from RMB 23,313 million in the same period of 2022[23] - The company’s total comprehensive income for the first quarter of 2023 was RMB 24,140 million, compared to RMB 19,597 million in the first quarter of 2022[26] Assets and Liabilities - As of March 31, 2023, total assets reached RMB 13,654,273 million, an increase of 5.10% compared to the adjusted figure of RMB 12,991,571 million from December 31, 2022[3] - Total liabilities were RMB 12,596,687 million, up by 5.34% from the adjusted figure of RMB 11,958,049 million as of December 31, 2022[3] - The total adjusted on-balance and off-balance sheet assets amounted to RMB 14,983.789 billion, up from RMB 14,349.614 billion in the previous quarter, indicating a growth of approximately 4.4%[35] Customer Loans and Deposits - Customer loans amounted to RMB 7,681,405 million, reflecting a growth of 5.30% from the adjusted figure of RMB 7,294,965 million as of December 31, 2022[3] - Customer deposits increased to RMB 8,498,740 million, representing a rise of 6.91% compared to the adjusted figure of RMB 7,949,072 million from December 31, 2022[3] - The total customer loans at the end of the reporting period amounted to CNY 7,681.405 billion, an increase of CNY 386.44 billion, or 5.30% compared to the end of the previous year[16] - The total customer deposits reached CNY 8,498.740 billion, an increase of CNY 549.668 billion, or 6.91% compared to the end of the previous year[17] Interest Income and Margin - The net interest income for Q1 2023 was CNY 40.648 billion, a decrease of CNY 1.871 billion, or 4.40% year-on-year[12] - The net interest margin for Q1 2023 was 1.33%, down 23 basis points year-on-year[12] - Interest income for the first quarter of 2023 was RMB 112,010 million, compared to RMB 99,665 million in the first quarter of 2022, reflecting a growth of approximately 12.5%[23] Non-Performing Loans and Provisions - The non-performing loan balance was CNY 102.945 billion, an increase of CNY 4.419 billion, or 4.49% compared to the end of the previous year[19] - As of March 31, 2023, the total loans amounted to RMB 7,681,405 million, with a non-performing loan (NPL) ratio of 1.34%, slightly down from 1.35% at the end of 2022[21] - The provision coverage ratio was 183.25%, an increase of 2.57 percentage points compared to the end of the previous year[19] Capital Adequacy and Ratios - The capital adequacy ratio stood at 14.79%, with a Tier 1 capital ratio of 12.07% and a core Tier 1 capital ratio of 10.03%, all meeting regulatory requirements[31] - The group's core tier 1 capital net amount reached RMB 863.3 billion, an increase from RMB 840.164 billion in December 2022, reflecting a growth of approximately 2.7%[32] - The tier 1 capital adequacy ratio improved to 12.07%, up from 12.18% in the previous quarter, indicating a slight decrease in capital efficiency[32] - The core tier 1 capital adequacy ratio was reported at 10.03%, slightly down from 10.06% in the previous quarter, indicating a need for improved capital management[32] Cash Flow and Investments - The net cash flow from operating activities for the three months ended March 31, 2023, was RMB 132,977 million, compared to RMB 101,621 million for the same period in 2022, representing a 30.8% increase[29] - The net cash used in investing activities was RMB 101,697 million, compared to RMB 73,861 million in the previous year, indicating an increase of 37.7%[30] - The net increase in cash and cash equivalents for the period was RMB 51,118 million, compared to RMB 41,536 million in the same period last year, reflecting a growth of 23.0%[30] Shareholder Information - The total number of ordinary shareholders was 342,987, with 311,999 holding A-shares and 30,988 holding H-shares[5] - The company’s basic and diluted earnings per share for the first quarter of 2023 were RMB 0.33, up from RMB 0.31 in the same period of 2022[26]

交通银行股份有限公司关于参加 2023 年上海辖区 上市公司年报集体业绩说明会的公告 交通银行股份有限公司（以下简称"交通银行"或"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。 为进一步加强与广大投资者的沟通交流，本公司将参加"2023 年上海辖区 上市公司年报集体业绩说明会"活动，现将有关事项公告如下： 本次业绩说明会活动将采取网络的方式举行，投资者可以登录"上证路演中 心"网站（http://roadshow.sseinfo.com）或关注微信公众号上证路演中心参 与活动，活动时间为 2023 年 5 月 10 日（周三）15:00 至 17:00。 届时本公司周万阜副行长将通过网络在线交流形式，与投资者就公司治理、 发展战略、经营状况、可持续发展等投资者关注的问题进行沟通。欢迎广大投资 者积极参与。 股票代码：601328 股票简称：交通银行 编号：临 2023-014 特此公告 交通银行股份有限公司董事会 2023 年 4 月 26 日 ...

Financial Performance - Net interest income for 2022 reached RMB 169.937 billion, an increase from RMB 161.693 billion in 2021[12]. - Net operating income was RMB 273.528 billion, compared to RMB 269.748 billion in the previous year[12]. - The net profit attributable to shareholders was RMB 92.149 billion, up from RMB 87.581 billion in 2021, representing a growth of 6.4%[12]. - Total assets at the end of 2022 amounted to RMB 12.992 trillion, an increase from RMB 11.666 trillion in 2021[12]. - Customer loans reached RMB 7.296 trillion, compared to RMB 6.560 trillion in 2021, reflecting a growth of 11.2%[12]. - The non-performing loan ratio improved to 1.35% from 1.48% in the previous year[12]. - The capital adequacy ratio stood at 14.97%, slightly down from 15.45% in 2021[12]. - Total operating income reached RMB 273.53 billion, reflecting a year-on-year growth of 1.40%[25]. - The group's net interest margin for the reporting period was 1.37%, a year-on-year decrease of 10 basis points, while the net interest spread was 1.48%, down 8 basis points year-on-year[146]. Dividends and Shareholder Returns - The total cash dividend distribution for the year is RMB 27.7 billion, with a per-share cash dividend of RMB 0.373 (including tax) based on 74.263 billion shares outstanding[3]. - The board proposed a cash dividend of RMB 0.373 per share, totaling RMB 27.7 billion, which is 32.72% of the net profit attributable to shareholders[13]. Risk Management - The company faces various risks including credit risk, market risk, operational risk, and compliance risk, and has implemented measures to effectively manage these risks[3]. - The bank maintains a strong focus on comprehensive risk management to provide quality services to clients[9]. - The bank's provision coverage ratio improved to 180.68%, an increase of 14.18 percentage points year-on-year[16]. - The bank has enhanced risk identification and accelerated risk disposal, with a focus on major risks and key areas[124]. - The bank's asset quality classification standards remain strict, with a stable improvement in asset quality levels[124]. Digital Transformation and Innovation - The company is focused on digital transformation and wealth management solutions through its brands, including "Yuntong Wealth" and "Wode Wealth"[4]. - The bank emphasizes digital transformation and innovation as key areas for high-quality development[9]. - Digital transformation efforts resulted in a nearly 30% average annual increase in technology investment over the past three years[14]. - The bank's digital transformation plan includes a comprehensive financial technology development blueprint, with a focus on building a customer service system that is integrated, intelligent, and ecological[17]. - The company has launched the "Jiao Zheng Tong" service at 1,826 business outlets, achieving a coverage rate of 64.3% for local government services[115]. Customer Base and Market Reach - The bank serves 2.46 million corporate clients and 190 million retail customers through over 2,800 domestic branches and 23 overseas branches[9]. - The retail customer base grew by 3.29% to 191 million, with assets under management (AUM) increasing by 8.57% to CNY 4,621.36 billion[85]. - The cumulative number of signed clients on the smart financial service platform exceeded 110,000, with transaction volume growing by 274.86% year-over-year[79]. Corporate Governance - The company emphasizes shareholder rights protection through various communication channels, ensuring equal status and participation rights for all shareholders[173]. - The company has established a modern financial corporate governance mechanism to improve the scientific, stable, and effective nature of its governance[170]. - The board of directors consists of 16 members, with the chairman and CEO being Ren Deqi and Liu Jun, respectively, who have been in their roles since 2020 and 2018[176][179]. - The company has a governance structure that includes independent directors to enhance oversight and accountability[176]. Strategic Goals and Future Plans - The bank's strategic goal is to build a world-class banking group with distinctive advantages, focusing on inclusive finance, trade finance, technology finance, and wealth finance[9]. - In 2023, the bank aims to enhance its financial supply to support economic growth, employment stability, and price stability, aligning with national strategies[18]. - The group plans to deepen digital transformation, optimizing personal credit business processes through digital platforms and enhancing retail transformation value contribution[145]. - The group aims to leverage Shanghai's strategic advantages, enhancing financial service functions and exploring new opportunities in trade and digital sectors[144]. Awards and Recognition - The bank has received multiple awards, including the Best Cash Management Bank in China and the Innovation Award from The Banker[10]. - The bank achieved a top 155 ranking in the 2022 Fortune Global 500 list[11]. - The bank's ESG rating is A, awarded by MSCI[10].

Financial Performance - Net interest income for 2022 was RMB 169.937 billion, an increase of 5.10% from RMB 161.693 billion in 2021[13]. - Total operating income reached RMB 272.978 billion, reflecting a growth of 1.33% compared to RMB 269.390 billion in the previous year[13]. - Net profit attributable to shareholders was RMB 92.149 billion, up 5.22% from RMB 87.581 billion in 2021[13]. - Total assets at the end of 2022 amounted to RMB 12.992 trillion, representing an increase of 11.37% from RMB 11.666 trillion in 2021[13]. - Customer loans reached RMB 7.296 trillion, marking an 11.22% increase from RMB 6.560 trillion in 2021[13]. - Customer deposits grew by 12.92% to RMB 7.949 trillion, up from RMB 7.040 trillion in 2021[13]. - The non-performing loan ratio was 1.35%, a decrease of 0.13 percentage points from 1.48% in 2021[14]. - The capital adequacy ratio stood at 14.97%, down from 15.45% in the previous year[14]. - The group achieved a net profit of RMB 92.15 billion, representing a year-on-year growth of 5.22%[28]. - Total operating income reached RMB 272.98 billion, with a year-on-year increase of 1.33%[29]. - The group's total assets amounted to RMB 12.99 trillion, reflecting an 11.37% growth compared to the previous year[28]. Risk Management - The company faces various risks including credit risk, market risk, operational risk, and compliance risk, and has implemented measures to manage these risks effectively[4]. - The bank's operational risk management system has been enhanced to better align with the complexity and scale of its operations[163]. - The bank has strengthened its anti-money laundering systems and processes, improving customer identification and reporting of large and suspicious transactions[164]. - The bank has established a comprehensive cross-industry and cross-border risk management system to address uncertainties from the global pandemic and external changes[166]. - The bank conducted climate risk sensitivity stress tests on eight high-carbon industries, indicating manageable credit risk under stress scenarios[168]. Digital Transformation and Innovation - The company reported a significant focus on digital transformation and wealth management services, including the launch of new products like "Hui Min Loan" and "Xing Nong e-loan" aimed at consumer and agricultural financing[5]. - The company emphasizes its commitment to online and offline integrated services through its "Cloud Bank" initiative, enhancing customer service through digital channels[5]. - The bank's digital transformation plan includes a comprehensive financial technology development blueprint, with a focus on building a centralized, intelligent, and ecological customer service system[23]. - The company plans to enhance its digital transformation and innovation capabilities, with a nearly 30% annual increase in technology investment over the past three years[20]. - The company has integrated artificial intelligence technologies to improve risk management and operational efficiency, reducing the time for account verification from three months to one week[137]. Shareholder Information - The total number of ordinary shareholders at the end of the reporting period was 355,157, with 323,957 holding A shares and 31,200 holding H shares[181]. - The total number of ordinary shares is 74,262,726,645, with A shares accounting for 52.85% and H shares for 47.15%[179]. - The Ministry of Finance is the largest shareholder, holding a total of 17,732,424,445 shares, representing 23.88% of the total issued ordinary shares[185]. - HSBC holds 14,135,636,613 H shares, accounting for 19.03% of the total issued ordinary shares[190]. - The National Social Security Fund holds 12,155,283,900 shares (A and H combined), which is 16.37% of the total issued ordinary shares[3]. Regulatory Compliance - The financial statements have been audited by KPMG Huazhen and KPMG, both issuing standard unqualified audit reports[4]. - The company operates under the supervision of various regulatory bodies, including the People's Bank of China and the China Banking and Insurance Regulatory Commission[5]. - The company is committed to maintaining transparency and accuracy in its financial reporting, ensuring compliance with both Chinese and international accounting standards[4]. Market Presence and Growth - The company has a strong presence in both A-share and H-share markets, listed on the Shanghai Stock Exchange and Hong Kong Stock Exchange respectively[8]. - The company plans to continue expanding its market presence and enhancing its product offerings in the coming years[4]. - The bank aims to enhance its capabilities in inclusive finance, trade finance, technology finance, and wealth finance during the "14th Five-Year Plan" period[12]. - The company reported a 33% increase in green loan balances and a 46% increase in the amount of green bonds underwritten compared to the previous year[19]. - The company has seen over 30% growth in micro and small enterprise loans, consumer loans, and loans to strategic emerging industries in 2022[19]. Financial Investments and Assets - The group's financial investment net amount reached RMB 3,955,207 million at the end of 2022, an increase of RMB 431,958 million, representing a growth of 12.26% compared to the previous year[64]. - The bond investment balance was RMB 3,416,632 million as of December 31, 2022, which is an increase of RMB 395,360 million, or 13.09%, from the previous year[65]. - The group's cash and cash equivalents balance at the end of the reporting period was CNY 248.803 billion, an increase of CNY 54.495 billion compared to the end of the previous year[75]. - The total profit for the group was CNY 98.215 billion, with a year-on-year increase in operating income to CNY 272.978 billion, up from CNY 269.390 billion[81]. Customer and Loan Information - Customer loan balance was RMB 7.30 trillion, an increase of RMB 735.8 billion, or 11.22% year-on-year[28]. - The balance of domestic RMB loans reached CNY 6,848.3 billion, an increase of CNY 786.7 billion, marking a growth rate of 12.98%, the highest in nearly a decade[22]. - The balance of loans for strategic emerging industries grew by 110% year-on-year, with the number of technology finance clients increasing by 49.55%[89]. - The number of retail clients reached 191 million, a year-on-year increase of 3.29%, with AUM growing by 8.57% to CNY 4,621.36 billion[102]. - The balance of personal housing loans was CNY 1,512.65 billion, increasing by 1.55%, while personal consumption loans surged by 58.38% to CNY 84.89 billion[106].

Financial Performance - Net interest income for the year 2022 was RMB 169,937 million, an increase of 5.4% from RMB 161,693 million in 2021[4] - Net profit attributable to shareholders for 2022 reached RMB 92,149 million, up 5.8% from RMB 87,581 million in 2021[4] - Total operating income reached RMB 273.528 billion, an increase of 1.40% compared to the previous year[23] - The company achieved a pre-tax profit of RMB 98.215 billion for 2022, showing a year-on-year increase of 4.53%[22] - The company reported a net profit of CNY 5.769 billion from its subsidiaries, accounting for 6.26% of the group's total net profit[100] - The company achieved a net profit of 9.42 billion yuan, a year-on-year decrease of 23.72%[102] - The company reported a net profit margin of 3,168 million RMB, reflecting a 907.2% increase from the previous year[171] Assets and Liabilities - Total assets as of December 31, 2022, amounted to RMB 12,992,419 million, a growth of 11.4% compared to RMB 11,665,757 million in 2021[4] - The total liabilities of the group were RMB 11,956.68 billion, an increase of RMB 1,268.16 billion, representing an 11.86% growth compared to the previous year[59] - The total amount of customer deposits grew to RMB 7,949,072 million in 2022, compared to RMB 7,039,777 million in 2021, reflecting an increase of approximately 12.9%[170] - The total amount of issued bonds was RMB 530,861 million in 2022, compared to RMB 503,525 million in 2021, reflecting a growth of about 5.4%[170] Loans and Credit Quality - Customer loans increased to RMB 7,296,155 million, representing a rise of 11.2% from RMB 6,560,400 million in 2021[4] - The non-performing loan ratio improved to 1.35%, down from 1.48% in the previous year[4] - The total amount of credit impairment provisions was RMB 178.02 billion, an increase from RMB 161.16 billion at the end of the previous year[52] - The overdue loan balance was RMB 84,828 million, with an overdue rate of 1.16%, a decrease of 0.17 percentage points from the previous year[137] Shareholder Information - The total number of ordinary shares was 74,262,726,645, with A shares accounting for 52.85% and H shares for 47.15%[6] - The Ministry of Finance of the People's Republic of China holds 13,178,424,446 A shares, accounting for 17.75% of the total issued ordinary shares[7] - HSBC Holdings plc controls 14,135,636,613 H shares, representing 19.03% of the total issued ordinary shares[9] - The total dividends declared to ordinary shareholders for the year 2022 amounted to RMB 26,363 million, an increase from RMB 23,541 million in 2021[198] Investment and Financial Instruments - The bank issued a total of RMB 300 billion in subordinated capital bonds with a coupon rate of 3.45% in February 2022[17] - The total nominal amount of derivative financial instruments was RMB 6,483,671 million, with a fair value of assets at RMB 69,687 million and liabilities at RMB (46,804) million[193] - The total nominal amount of cash flow hedging instruments as of December 31, 2022, was RMB 253,680 million, with a fair value of assets at RMB 17,977 million and liabilities at RMB (1,222) million[194] Operational Efficiency and Strategy - The company plans to continue enhancing financial support for the real economy and improving the structure of liabilities to mitigate cost pressures[25] - The group aims to maintain a balanced funding source and application strategy to ensure liquidity needs are met in a timely manner[145] - The group plans to deepen its digital transformation, optimizing personal credit business processes and enhancing the integration of online and offline services[154] Risk Management - The bank has strengthened risk identification and accelerated risk disposal, with a focus on major risks and key areas, enhancing credit risk management continuously[129] - The group continuously improved its market risk management system, focusing on risk identification, measurement, monitoring, and reporting to maximize risk-adjusted returns[142] - The group has adhered to regulatory requirements for large risk exposure management, continuously monitoring and managing large risk exposure indicators[151] Employee and Corporate Governance - The group employs a total of 91,823 staff, with a gender distribution of 44.83% male and 55.17% female, ensuring equal employment and non-discrimination practices[155] - The board of directors confirmed adherence to the Corporate Governance Code, enhancing communication between the board and management to ensure effective governance practices[163] - During the reporting period, the bank conducted training for over 1.04 million employees, with 94% of training being online[161]

Financial Performance - Net profit attributable to shareholders for Q3 2022 was RMB 23,843 million, a year-on-year increase of 6.72%[3] - Operating revenue for Q3 2022 was RMB 66,690 million, showing a slight increase of 0.93% year-on-year[3] - Basic earnings per share for the first nine months of 2022 were RMB 0.28, up by 7.69% compared to the same period last year[3] - Net profit attributable to shareholders was CNY 678.83 billion, a year-on-year growth of 5.47%[13] - The net profit for the period reached 23,888 million RMB, a rise from 22,619 million RMB, indicating a growth of approximately 5.6% year-over-year[29] - The net profit for the first nine months of 2022 was RMB 61,669 million, compared to RMB 55,624 million in the same period of 2021, marking a growth of 10.8%[32] - The total comprehensive income for the period was RMB 22,813 million, compared to RMB 20,059 million in the same period of 2021, indicating an increase of 13.8%[32] Assets and Liabilities - As of September 30, 2022, total assets reached RMB 12,693,203 million, an increase of 8.81% compared to December 31, 2021[3] - Total liabilities were RMB 11,680,766 million, up by 9.28% from the previous year[3] - The total assets increased to RMB 12,693,203 million as of September 30, 2022, compared to RMB 11,665,757 million at the end of 2021[25] - The total liabilities increased to RMB 11,680,766 million from RMB 10,688,521 million at the end of 2021[26] - The equity attributable to shareholders reached RMB 999,797 million, compared to RMB 964,647 million at the end of 2021[26] - The company's total assets increased significantly, reflecting ongoing market expansion and strategic investments[31] Customer Loans and Deposits - Customer loans amounted to RMB 7,214,926 million, reflecting a growth of 9.98% year-on-year[3] - Customer deposits increased to RMB 7,887,813 million, marking a rise of 12.05% compared to the end of 2021[3] - Customer loans increased to CNY 72,149.26 billion, a growth of 9.98% from the previous year[19] - Customer deposits rose to CNY 78,878.13 billion, an increase of 12.05% year-on-year[20] - Total customer deposits increased to RMB 689,642 million in 2022 from RMB 520,433 million in 2021, reflecting a growth of approximately 32.5%[35] Cash Flow - The net cash flow from operating activities for the first nine months was RMB 89,302 million, reflecting a significant decrease of 165.65% year-on-year[5] - The cash flow from operating activities for the first nine months of 2022 was RMB 89,302 million, a significant recovery from a cash outflow of RMB 136,018 million in the same period of 2021[33] - The company's net increase in cash and cash equivalents for the period was RMB 30,491 million, recovering from a decrease of RMB 85,595 million in the same period of the previous year[34] - The company reported a net increase in cash and cash equivalents of RMB 22,011 million, bringing the total balance to RMB 183,297 million at the end of the reporting period[36] Asset Quality - The non-performing loan balance was CNY 1,019.61 billion, up 5.34% from the previous year, with a non-performing loan ratio of 1.41%[22] - The total loans reached RMB 7,214,926 million with a non-performing loan (NPL) ratio of 1.41% as of September 30, 2022, showing a decrease from 1.48% at the end of 2021[24] - The bank's non-performing loans decreased from RMB 96,796 million at the end of 2021 to RMB 101,961 million as of September 30, 2022[24] - The company maintained a provision coverage ratio of 181.54%, an increase of 15.04 percentage points from the previous year[22] Revenue Composition - Net interest income for the period was CNY 1,280.27 billion, up 7.37% year-on-year, accounting for 60.94% of total revenue[14] - Fee and commission income decreased by CNY 14.17 billion, a decline of 3.92% year-on-year, representing 16.53% of total revenue[15] - The net fee and commission income was 10,078 million RMB, down from 11,183 million RMB, representing a decrease of approximately 9.9%[29] - Total revenue for the first nine months of 2022 reached RMB 170,830 million, compared to RMB 161,858 million in 2021, reflecting an increase of 5.8%[31] Regulatory Ratios - The capital adequacy ratio as of September 30, 2022, was 14.41%, while the core tier 1 capital adequacy ratio was 12.16%[40] - The leverage ratio stood at 7.09% as of September 30, 2022, meeting regulatory requirements[42] - The liquidity coverage ratio (LCR) for the third quarter of 2022 was 126.13%, a decrease of 2.02 percentage points from the previous quarter[44] Customer Base - The total number of ordinary shareholders at the end of the reporting period was 365,052, with A-shares accounting for 333,726 of these[6] - The number of corporate customers reached 2,230,336, while the number of individual customers was 185,395,399[38]

Financial Performance - Net operating income for Q3 2022 was RMB 66,779 million, showing a slight increase of 0.94% year-on-year[5] - Profit before tax for the first nine months of 2022 was RMB 70,953 million, up by 2.21% compared to the same period last year[5] - Net operating income for the first three quarters was CNY 210.347 billion, a year-on-year growth of 5.06%[15] - Net profit attributable to shareholders was CNY 67.883 billion, up 5.47% year-on-year[15] - The company reported a net profit of RMB 68,020 million for the nine months ended September 30, 2022, an increase from RMB 65,492 million in the same period of 2021[27] - The company’s net operating income for the nine months ended September 30, 2022, was RMB 210,347 million, up from RMB 200,210 million in the previous year[27] Assets and Liabilities - As of September 30, 2022, total assets amounted to RMB 12,693,203 million, an increase of 8.81% from RMB 11,665,757 million at the end of 2021[5] - Total liabilities were RMB 11,680,766 million, up by 9.28% from RMB 10,688,521 million at the end of 2021[5] - Financial investments net amount reached CNY 3,679.675 billion, an increase of 4.44% year-on-year[22] - The total adjusted on-balance sheet and off-balance sheet assets increased from RMB 12,632,573 million at the end of 2021 to RMB 14,005,204 million by September 30, 2022[41] Customer Loans and Deposits - Customer loans reached RMB 7,214,926 million, reflecting a growth of 9.98% compared to RMB 6,560,400 million at the end of 2021[5] - Customer deposits increased to RMB 7,887,813 million, a rise of 12.05% from RMB 7,039,777 million at the end of 2021[5] - Customer loan balance reached CNY 7,214.926 billion, an increase of 9.98% from the end of the previous year[20] - Customer deposit balance was CNY 7,887.813 billion, up 12.05% year-on-year[21] Earnings and Shareholder Information - Basic earnings per share for Q3 2022 were RMB 0.28, an increase of 7.69% from RMB 0.83 in the same period last year[5] - The total number of ordinary shareholders at the end of the reporting period was 365,052, with 333,726 holding A shares and 31,326 holding H shares[7] - The top shareholder, the Ministry of Finance of the People's Republic of China, held 13,178,424,446 A shares, representing 17.75% of the total[8] - The company’s basic and diluted earnings per share attributable to shareholders was RMB 0.83 for the nine months ended September 30, 2022, compared to RMB 0.80 in the previous year[29] Non-Performing Loans and Credit Quality - Non-performing loan balance increased to CNY 101.961 billion, a rise of 5.34% compared to the previous year[23] - As of September 30, 2022, the total loan balance was RMB 7,214,926 million, with a non-performing loan (NPL) ratio of 1.41%[25] - The company’s overdue loans increased from RMB 87,162 million at the end of the previous year to RMB 95,157 million[25] - The overdue loan balance was RMB 95,157 million, with an overdue loan ratio of 1.32%[24] - The provision coverage ratio improved to 181.54%, up 15.04 percentage points from the previous year[23] Capital and Liquidity - The capital adequacy ratio stood at 14.41%, with a Tier 1 capital ratio of 12.16% and a core Tier 1 capital ratio of 10.00%, all meeting regulatory requirements[37] - The net amount of core Tier 1 capital increased to RMB 816,956 million as of September 30, 2022, compared to RMB 783,877 million at the end of 2021[38] - The leverage ratio was reported at 7.09%, satisfying the regulatory requirement of 0.375%[40] - The liquidity coverage ratio averaged 126.13% for the third quarter of 2022, a decrease of 2.02 percentage points from the previous quarter[42] - The total amount of high-quality liquid assets was RMB 2,333,289 million[43] Cash Flow and Investments - Net cash flow from operating activities for the nine months ended September 30, 2022, was RMB 89,302 million, compared to a negative RMB 136,018 million in the same period of 2021[33] - The company’s net cash flow used in investing activities was RMB (40,422) million, compared to RMB (26,663) million in the same period of 2021[34] - The company’s net cash and cash equivalents at the end of the period were RMB 224,799 million, compared to RMB 221,525 million at the end of the previous year[34] - The company issued bonds that generated cash inflow of RMB 86,892 million in 2022, compared to RMB 93,349 million in 2021[34]

Financial Performance - For the first half of 2022, the company achieved a net profit attributable to shareholders of RMB 44.04 billion, an increase of 4.81% year-on-year[18]. - The company's net interest income for the same period was RMB 85.09 billion, reflecting an 8.42% increase compared to RMB 78.49 billion in the first half of 2021[19]. - Total assets reached RMB 12.58 trillion, growing by 7.84% from the end of the previous year[19]. - Customer loans amounted to RMB 7.09 trillion, an increase of RMB 527.33 billion or 8.04% year-on-year[19]. - Customer deposits rose to RMB 7.81 trillion, up by RMB 771.59 billion, marking a growth of 10.96%[19]. - The non-performing loan ratio improved to 1.46%, down by 0.02 percentage points from the end of the previous year[19]. - The provision coverage ratio increased to 173.10%, up by 6.60 percentage points year-on-year[19]. - The pre-tax profit for the first half of 2022 was RMB 45.62 billion, a decrease of 2.08% compared to the previous year[19]. - The group's net operating income for the six months ended June 30, 2022, was RMB 143.568 billion, representing a year-on-year increase of 7.10%[20]. Risk Management - The bank faces various risks including credit risk, market risk, operational risk, and compliance risk, and has implemented measures to manage these risks effectively[4]. - The company continues to enhance its risk management capabilities while supporting the real economy amidst complex international and domestic conditions[18]. - The company has strengthened risk identification and accelerated risk disposal, ensuring asset quality remains stable and controllable[128]. - The company has implemented a unified risk management framework to control various types of risks, ensuring no systemic regional risks occurred during the reporting period[123]. - The group has established a comprehensive operational risk management system, enhancing the monitoring and assessment of operational risks in key areas[143]. Digital Transformation and Innovation - The bank's wealth management brand, "Yuntong Wealth," aims to provide comprehensive wealth management solutions through digital transformation[7]. - The bank has launched online credit consumption loan products, "Huimin Loan," targeting eligible customers[7]. - The bank's online financing service "Puhui e-loan" is designed for eligible customers to access financial services[7]. - The company is focused on accelerating digital transformation to improve product capabilities and customer service through data-driven business models[151]. - The company has enhanced its digital transformation efforts, focusing on risk management applications to improve the intelligence level of risk management[125]. Customer and Market Engagement - The number of personal customers increased by 137,500 during the reporting period, with a total of 3,677,500 digital wallets opened, and a cumulative consumption amount of RMB 168 million[77]. - The total number of domestic corporate customers increased by 5.76% compared to the end of the previous year, reaching 88,400[81]. - The smart financial service platform has signed over 100,000 clients, with a payment settlement volume of CNY 230.53 billion, representing a year-on-year growth of 131.80%[82]. - The cumulative issuance of rural revitalization themed debit cards reached 848,800[200]. - The bank actively launched customized financial products for rural revitalization, including "Mushroom Loan" and "Crab Loan" in various provinces[200]. Shareholder Information - The total number of ordinary shares at the end of the reporting period is 74,262,726,645, with A-shares accounting for 52.85% (39,250,864,015 shares) and H-shares for 47.15% (35,011,862,630 shares)[152]. - The total number of ordinary shareholders is 367,441, with 335,806 holding A-shares and 31,635 holding H-shares[154]. - The Ministry of Finance is the largest shareholder, holding a total of 17,732,424,445 shares, representing 23.88% of the total issued shares[157]. - HSBC Holdings plc is the second largest shareholder, with a beneficial ownership of 14,135,636,613 shares, accounting for 19.03% of the total issued shares[158]. Green Finance Initiatives - The bank has issued green financial bonds and carbon neutrality bonds to support green finance development[190]. - The balance of green loans reached CNY 574.137 billion, an increase of 20.42% compared to the end of the previous year[191]. - Clean energy loans amounted to CNY 113.681 billion, growing by 29.76% year-on-year[191]. - The bank underwrote green bonds (including carbon-neutral bonds) totaling CNY 4.165 billion, a year-on-year increase of 47.23%[191]. - The bank issued carbon reduction loans totaling CNY 9.991 billion to 193 projects, resulting in an annual carbon reduction of 1.7431 million tons of CO2 equivalent[191]. Employee and Governance - The total number of employees in the group is 90,654, with 84,350 in domestic banking institutions and 2,519 in overseas branches[185]. - The bank's governance structure includes an ESG committee responsible for overseeing environmental and sustainable development policies[190]. - The bank's employee training programs conducted 2,505 sessions, training approximately 396,000 employees[188]. - The bank's employee compensation policy emphasizes performance-based rewards to enhance resource efficiency[187].