2018-10-30 16:00Financial Performance - Net profit attributable to shareholders was RMB 67,380 million for the first nine months of 2018, up 14.58% year-on-year[5] - Operating income for Q3 2018 was RMB 62,075 million, representing a 13.21% increase compared to the same period last year[5] - The basic earnings per share attributable to ordinary shareholders was RMB 2.66 for the first nine months, a 14.16% increase year-on-year[5] - The net profit attributable to minority shareholders decreased by 48.75% to RMB 184 million[35] - Comprehensive income for the first nine months of 2018 totaled RMB 73,894 million, compared to RMB 54,713 million in the same period of 2017, reflecting a growth of 34.9%[48] - The bank's total profit for the first nine months of 2018 was RMB 83,303 million, up 21.1% from RMB 68,763 million in 2017[50] - The bank's net profit for the third quarter of 2018 was RMB 21,161 million, a 18.1% increase from RMB 17,863 million in the same quarter of 2017[52] Asset and Liability Management - Total assets reached RMB 6,508,681 million, an increase of 3.35% compared to the end of 2017[5] - The total liabilities as of September 30, 2018, amounted to RMB 5,979,792 million, compared to RMB 5,814,246 million at the end of 2017[41] - The company's equity attributable to shareholders increased to RMB 525,636 million from RMB 480,210 million at the end of 2017[41] - Customer deposits rose to RMB 4,300,067 million, up from RMB 4,064,345 million at the end of 2017[41] - The total customer deposits amounted to RMB 4,300.07 billion, reflecting a growth of 5.80% year-on-year[25] Capital Adequacy - The capital adequacy ratio as of September 30, 2018, was 15.46%, a decrease of 0.02 percentage points from the end of 2017[10] - The core tier 1 capital adequacy ratio was 11.97%, down 0.09 percentage points from the end of 2017[11] - The company's tier 1 capital adequacy ratio under the weighted approach was 11.08%, up 0.27 percentage points from the previous year[15] - The core tier 1 capital adequacy ratio under the weighted approach increased to 10.33%, up 0.32 percentage points year-over-year[15] - The group’s capital adequacy ratio under the weighted approach was 12.80%, an increase of 0.14 percentage points from the end of 2017[15] Income and Revenue - The non-interest net income for the first nine months of 2018 was RMB 70.25 billion, a year-on-year increase of 19.31%[26] - The bank's net interest income for the first nine months of 2018 was RMB 117,972 million, up from RMB 107,385 million in the same period of 2017, reflecting a year-on-year increase of about 1.48%[47] - The bank's net fee and commission income for the first nine months of 2018 was RMB 49,160 million, an increase of 7.4% from RMB 45,603 million in 2017[50] - The company's retail financial business revenue reached RMB 87.50 billion, accounting for 49.31% of total revenue, with a growth of 16.25% year-on-year[28] Cash Flow and Liquidity - The net cash flow from operating activities for the first nine months was RMB (174,705) million, an improvement of 9.33% compared to the same period last year[5] - Cash inflow from operating activities totaled RMB 584,441 million for the first nine months of 2018, compared to RMB 505,674 million in 2017, reflecting a growth of 15.5%[54] - The net cash flow from investment activities was RMB 153,995 million, compared to RMB 21,996 million in the previous year, indicating a substantial increase[54] - The liquidity coverage ratio at the end of Q3 2018 was 103.68%, meeting the regulatory requirements set by the China Banking and Insurance Regulatory Commission[62] Non-Performing Loans - The non-performing loan balance decreased to RMB 56.25 billion, with a non-performing loan ratio of 1.42%, down 0.19 percentage points from the end of the previous year[27] - The bank's non-performing loan ratio remained stable, with a slight improvement noted in the asset quality metrics[47] Shareholder Information - The number of total shareholders reached 234,123 as of the report date[19] - The top shareholder, Hong Kong Central Clearing Limited, held 18.03% of the shares, totaling 4,546,259,153 shares[19] - The company had 13 preferred shareholders, with 12 being domestic and 1 being foreign[21] - The largest domestic preferred shareholder, China Mobile Communications Group Co., Ltd., held 106,000,000 shares, accounting for 38.55% of the total[23]