Financial Performance - Net profit attributable to shareholders for Q3 2022 was RMB 53,157 million, reflecting a year-on-year increase of 4.83%[2] - Operating income for Q3 2022 was RMB 154,325 million, showing a slight increase of 0.84% compared to the same period last year[2] - The group achieved a net profit of RMB 181.017 billion for the first three quarters of 2022, representing a year-on-year growth of 5.02%[6] - The company reported a net profit of RMB 181,017 million for the first nine months of 2022, representing a year-on-year increase of 5.02%[2] - The basic earnings per share for the first nine months of 2022 was RMB 0.56, compared to RMB 0.53 in the same period of 2021, showing a growth of 5.7%[11] - The net profit attributable to shareholders for Q3 2022 was RMB 53,157 million, up from RMB 50,710 million in Q3 2021, marking a growth of 2.8%[11] - The company reported a total comprehensive income of RMB 76,479 million for Q3 2022, compared to RMB 58,723 million in Q3 2021, reflecting a significant increase of 30.2%[12] Assets and Liabilities - Total assets as of September 30, 2022, reached RMB 28,639,287 million, an increase of 7.17% compared to December 31, 2021[2] - The company's total liabilities as of September 30, 2022, were RMB 26,120,329 million, an increase from RMB 24,371,855 million at the end of 2021[14] - Total equity attributable to shareholders as of September 30, 2022, was RMB 2,382,270 million, up 7.06% from the end of the previous year[2] - The equity attributable to shareholders increased to RMB 2,518,958 million as of September 30, 2022, from RMB 2,350,553 million at the end of 2021, representing a growth of 7.1%[14] - Total assets reached RMB 28,639.287 billion, growing by RMB 1,916.879 billion or 7.17% compared to the end of the previous year[8] Customer Deposits and Loans - Customer deposits totaled RMB 19,959.134 billion, an increase of RMB 1,816.247 billion or 10.01% year-on-year[8] - The total amount of customer loans was RMB 17,406.699 billion, increasing by RMB 1,694.125 billion or 10.78% year-on-year[8] - Customer deposits reached RMB 19,959,134 million as of September 30, 2022, compared to RMB 18,142,887 million at the end of 2021, indicating a growth of 10.0%[14] - The net increase in customer deposits for the first nine months of 2022 was RMB 1,789,983 million, compared to RMB 1,032,442 million in the same period of 2021, reflecting a growth of approximately 73.3%[15] Cash Flow - Cash flow from operating activities for the first nine months of 2022 showed a net outflow of RMB 313,367 million, a significant decline of 170.00% year-on-year[3] - Net cash flow from operating activities for the first nine months of 2022 was RMB (313,367) million, a significant decrease compared to RMB 447,669 million in the same period of 2021[15] - Cash flow from investment activities showed a net inflow of RMB 96,688 million in the first nine months of 2022, recovering from a net outflow of RMB (243,185) million in 2021[16] - The cash flow from financing activities showed a net outflow of RMB (86,788) million in the first nine months of 2022, contrasting with a net inflow of RMB 12,189 million in the same period of 2021[16] Capital Adequacy and Ratios - The group’s core Tier 1 capital adequacy ratio was 11.62%, and the total capital adequacy ratio was 17.17%[6] - The core tier 1 capital adequacy ratio improved to 11.62% as of September 30, 2022, up from 11.30% at the end of 2021[19] - The leverage ratio as of September 30, 2022, was 7.60%, slightly down from 7.65% at the end of 2021[20] - The liquidity coverage ratio averaged 127.90% in the third quarter of 2022, a decrease of 4.69 percentage points from the previous quarter's average of 132.59%[23] - The liquidity coverage ratio (LCR) for the group is reported at 127.90%[25] Interest Income - The net interest income for the group was RMB 342.993 billion, an increase of RMB 26.978 billion or 8.54% year-on-year, with a net interest margin of 1.77%[7] - Interest income for Q3 2022 reached RMB 226,043 million, an increase of 13.1% from RMB 199,856 million in Q3 2021[11] - Net interest income and commission income totaled RMB 119,000 million in Q3 2022, up from RMB 107,242 million in Q3 2021, reflecting a growth of 10.4%[11] - Interest income from financial investments for the first nine months of 2022 was RMB 129,455 million, an increase from RMB 120,547 million in 2021[16] Shareholder Information - The total number of ordinary shareholders as of September 30, 2022, was 667,426, including 494,927 A-share shareholders and 172,499 H-share shareholders[4] - The largest shareholder, Central Huijin Investment Ltd., held 64.02% of the shares as of September 30, 2022[4] - The board approved a total dividend distribution of RMB 1.1745 billion for the fourth phase of domestic preferred shares, with a dividend yield of 4.35%[9] Financial Investments - The total amount of financial investments was RMB 6,253.380 billion, an increase of RMB 887.09 billion or 1.44% compared to the end of the previous year[8]
中国银行(03988) - 2022 Q3 - 季度财报