SPD BANK(SH:600000)2017-10-27 16:00Financial Performance - Operating income for the first nine months was RMB 124,768 million, a 3.18% increase compared to the previous year[2] - Net profit attributable to shareholders of the parent company reached RMB 41,892 million, up 2.97% year-on-year[2] - Basic earnings per share for the first nine months was RMB 1.45, a slight increase of 0.69%[2] - The total profit of the group for the first three quarters reached 54.743 billion RMB, an increase of 1.96% year-on-year[10] - The net profit attributable to shareholders after tax was 41.892 billion RMB, reflecting a year-on-year growth of 2.97%[10] - The total operating income for the third quarter of 2017 was RMB 41,414 million, an increase of 4.3% compared to RMB 38,756 million in the same period of 2016[40] - Net interest income reached RMB 27,097 million, up 1.4% from RMB 26,735 million year-on-year[40] - The net profit attributable to shareholders of the parent company was RMB 13,727 million, a decrease of 1.3% from RMB 13,912 million in the previous year[40] Asset and Liability Management - Total assets increased by 3.53% year-on-year to RMB 6,063,837 million[2] - The total liabilities increased to 5,641.137 billion RMB, growing by 2.86% year-on-year[11] - The total assets of the group reached 6,063.837 billion RMB, an increase of 3.53% from the end of the previous year[11] - The total liabilities of the bank stood at RMB 5,641,137 million as of September 30, 2017, compared to RMB 5,484,329 million at the end of 2016, showing an increase of approximately 2.9%[33] Shareholder Information - Net assets attributable to shareholders of the parent company rose by 13.43% to RMB 417,358 million[2] - The total number of ordinary shares increased by 35.78% to 29,352 million shares[2] - The total number of shareholders reached 192,174, indicating a broadening of the shareholder base[5] - The company completed a non-public issuance of ordinary shares, increasing the total share capital by 1,248 million shares[3] Income Sources - The net interest income accounted for 63.24% of total operating revenue, amounting to 78.9 billion RMB, a decrease of 3.60% year-on-year[10] - The non-interest income reached 45.868 billion RMB, showing a year-on-year increase of 17.38%[10] - Interest income increased to RMB 180,358 million in the first nine months of 2017, compared to RMB 161,298 million in the same period of 2016, marking an increase of approximately 11.8%[35] - The bank's fee and commission income rose to RMB 38,931 million in the first nine months of 2017, compared to RMB 32,652 million in the same period of 2016, representing an increase of approximately 19.2%[35] Capital Adequacy and Risk Management - The core Tier 1 capital adequacy ratio was 9.24%, reflecting a solid capital position[15] - The capital adequacy ratio was 11.55% at the end of the reporting period, exceeding the regulatory requirement of 10.1%[21] - The group maintained a loan loss provision coverage ratio of 134.58%, indicating a strong buffer against potential loan losses[11] - The liquidity coverage ratio at the end of the reporting period was 88.17%, with qualified liquid assets amounting to RMB 447.69 billion against net cash outflows of RMB 507.74 billion[20] Investment Activities - The net cash flow from investing activities was RMB 52.08 million, a significant improvement compared to a net outflow of RMB 63.29 million in the previous year[27] - The company's net profit from investment activities increased by 99.69% to RMB 8.39 billion, driven by higher returns from precious metals and designated financial assets[26] - The cash inflow from investment activities was RMB 4,055,349 million, significantly higher than RMB 2,706,426 million in the previous year[46] Comprehensive Income - The total comprehensive income for the first nine months of 2017 was RMB 40,245 million, compared to RMB 39,039 million in the same period of 2016, indicating an increase of about 3.1%[37] - The total comprehensive income for the third quarter of 2017 was RMB 15,708 million, an increase from RMB 14,555 million in the same quarter of 2016[42]