Financial Performance - Operating income for the third quarter was RMB 186,604 million, a decrease of 2.62% year-on-year[4] - Net profit for the third quarter reached RMB 84,994 million, an increase of 7.50% compared to the same period last year[4] - Net profit attributable to shareholders was RMB 85,640 million, reflecting an 8.61% increase year-on-year[4] - Net profit for the nine months ending September 30, 2022, was CNY 246.72 billion, a year-on-year increase of 5.81%[11] - Net profit for the nine months ended September 30, 2022, was RMB 246,724 million, compared to RMB 233,173 million in the same period of 2021, reflecting an increase of 5.8%[18] - Total comprehensive income for the nine months ended September 30, 2022, was RMB 253,670 million, up from RMB 239,768 million in the same period of 2021, indicating a growth of 5.8%[18] - Basic and diluted earnings per share for the nine months ended September 30, 2022, were RMB 0.99, compared to RMB 0.93 for the same period in 2021, marking an increase of 6.5%[18] Assets and Liabilities - Total assets as of September 30 amounted to RMB 34,299,695 million, representing a year-on-year increase of 13.37%[4] - As of September 30, 2022, the total assets of the group reached CNY 34.30 trillion, an increase of CNY 4.05 trillion or 13.37% compared to the end of the previous year[8] - The total liabilities amounted to CNY 31.49 trillion, up CNY 3.85 trillion or 13.92% from the end of the previous year[8] - As of September 30, 2022, total liabilities amounted to RMB 31,486,358 million, an increase from RMB 27,639,857 million as of December 31, 2021, representing a growth of approximately 13.4%[21] - The bank's total assets reached RMB 34,299,695 million, up from RMB 30,253,979 million, indicating a growth of about 13.5% year-over-year[21] Cash Flow - Cash flow from operating activities for the nine months ended September 30 was RMB 824,265 million, a significant increase of 74.18% year-on-year[5] - The net cash flow from operating activities for the nine months ended September 30, 2022, was RMB 824,265 million, compared to RMB 473,225 million for the same period in 2021, reflecting a significant increase of approximately 74.3%[24] - The bank's net cash flow from investing activities for the nine months ended September 30, 2022, was RMB (562,424) million, compared to RMB (293,838) million in the same period of 2021, reflecting a deterioration in cash flow from investments[26] - The bank's net cash flow from financing activities for the nine months ended September 30, 2022, was RMB 7,111 million, down from RMB 9,039 million in the previous year, indicating a decrease of approximately 21.3%[26] Loans and Advances - The bank's loan and advance to customers reached RMB 20,210,786 million as of September 30, 2022, compared to RMB 18,170,492 million as of December 31, 2021, reflecting an increase of 11.3%[19] - The net increase in loans and advances for the nine months ended September 30, 2022, was RMB 2,036,208 million, compared to RMB 1,733,399 million in the same period of 2021, representing an increase of approximately 17.5%[24] - Housing rental loans reached CNY 209.87 billion, an increase of CNY 76.41 billion or 57.25% year-on-year[9] - Inclusive finance loan balance was CNY 2.29 trillion, up CNY 418.50 billion, with 2.43 million customers, an increase of 495,200 customers[9] Shareholder Information - The total number of ordinary shareholders as of September 30 was 382,720, with A-share shareholders accounting for 343,341[6] - The top 10 ordinary shareholders held a total of 142,590,494,651 H shares, representing 57.03% of the total[6] - The number of preferred shareholders was 22, all of whom were domestic[7] - The largest preferred shareholder, Bank of China Shanghai Branch, held 90,000,000 shares, accounting for 15.00% of the total[7] Capital and Ratios - The core tier 1 capital ratio was 13.86% for the group and 13.82% for the bank, an increase from 13.59% and 13.61% respectively in December 2021[31] - The group's leverage ratio stood at 7.76% as of September 30, 2022, exceeding the regulatory requirement of 4%[32] - The liquidity coverage ratio for the group was 147.43% in Q3 2022, up by 8.65 percentage points from Q2 2022, primarily due to an increase in high-quality liquid assets[34] - The group's capital adequacy ratio was 18.67% as of September 30, 2022, compared to 17.85% in December 2021[31] Other Financial Metrics - Net interest income was CNY 482.71 billion, an increase of 7.71% year-on-year, with a net interest margin of 2.05%[12] - The non-performing loan ratio was 1.40%, a decrease of 0.02 percentage points from the end of the previous year[11] - The bank's credit impairment losses for the nine months ended September 30, 2022, were RMB 141,521 million, compared to RMB 142,043 million in the same period of 2021, showing a slight decrease of 0.4%[16] - The bank's trading net income for the nine months ended September 30, 2022, was RMB 3,644 million, down from RMB 4,289 million in the same period of 2021, a decrease of 15.0%[16] - Other comprehensive income for the nine months ended September 30, 2022, was RMB 6,946 million, compared to RMB 6,595 million in the same period of 2021, indicating an increase of 5.3%[17]
建设银行(00939) - 2022 Q3 - 季度财报