2022-10-28 08:30Financial Performance - Operating income for Q3 2022 was RMB 207,331 million, a decrease of 4.67% compared to Q3 2021[3] - Net profit attributable to shareholders for Q3 2022 was RMB 94,316 million, an increase of 6.76% year-on-year[3] - Basic earnings per share for Q3 2022 was RMB 0.24, reflecting a year-on-year increase of 4.35%[3] - For the first three quarters of 2022, the company achieved a net profit of CNY 266.51 billion, representing a year-on-year growth of 5.20%[15] - Total operating income reached CNY 651.12 billion, with a year-on-year increase of 1.12%[15] - The bank's net profit attributable to shareholders for the third quarter of 2022 was RMB 94.32 billion, up from RMB 88.35 billion in the same quarter of 2021[22] - The bank's total comprehensive income for the nine months ending September 30, 2022, was RMB 269.95 billion, an increase from RMB 253.22 billion in the same period of 2021[24] Assets and Liabilities - Total assets as of September 30, 2022, reached RMB 39,550,661 million, representing a 12.45% increase from December 31, 2021[3] - Total liabilities increased by CNY 4,225.53 billion, a growth of 13.25% compared to the end of the previous year[15] - Customer loans and advances totaled CNY 22,909.75 billion, up by CNY 2,242.50 billion, a growth of 10.85%[15] - Customer deposits reached CNY 30,091.50 billion, increasing by CNY 3,649.73 billion, a growth of 13.80%[15] - As of September 30, 2022, total assets reached RMB 39,550,661 million, an increase from RMB 35,171,383 million as of December 31, 2021, representing a growth of approximately 12.7%[25] - Total liabilities increased to RMB 36,121,656 million from RMB 31,896,125 million, reflecting a growth of approximately 13.9%[26] Cash Flow - Net cash flow from operating activities for the first nine months of 2022 was RMB 1,842,551 million, up 90.65% from the same period in 2021[4] - The net cash flow from operating activities for the first nine months of 2022 was RMB 1,842,551 million, compared to RMB 966,450 million in the same period of 2021, showing a significant increase of about 90.5%[30] - The net cash flow from investment activities for the first nine months of 2022 was RMB (678,488) million, compared to RMB (430,166) million in the same period of 2021, indicating a higher outflow[30] Capital Adequacy - The core tier 1 capital adequacy ratio stood at 13.68%, meeting regulatory requirements[16] - The core tier 1 capital net amount reached RMB 3,036,872 million, an increase from RMB 2,886,378 million as of December 31, 2021, reflecting a growth of 5.2%[33] - The tier 1 capital adequacy ratio improved to 15.28% as of September 30, 2022, compared to 14.94% at the end of 2021, indicating a strengthening of the capital position[33] - The total capital net amount reached RMB 4,185,912 million as of September 30, 2022, up from RMB 3,909,669 million at the end of 2021, reflecting a growth of 7.0%[33] Shareholder Information - The number of ordinary shareholders as of the report date was 724,107, with A-share shareholders accounting for 613,011[5] - The top shareholder, Central Huijin Investment Ltd., held 34.71% of A-shares, totaling 123,717,852,951 shares[6] - The bank distributed cash dividends totaling approximately RMB 104.53 billion for the fiscal year 2021, with a dividend of RMB 2.933 per 10 shares[19] Funding and Deposits - The net increase in customer deposits contributed to the significant rise in cash flow from operating activities[4] - Retail deposits and small business customer deposits totaled RMB 14,646,547 million, contributing significantly to the bank's funding base[35] - The bank's non-business relationship deposits amounted to RMB 6,802,727 million, highlighting the importance of diverse funding sources[35]