2016-10-28 16:00Financial Performance - Net profit attributable to shareholders was RMB 39.16 billion, a year-on-year increase of 2.05%[21] - Operating income for the period was RMB 116.38 billion, reflecting a growth of 0.18% year-on-year[21] - Basic earnings per share were RMB 1.07, a decrease of 2.73% compared to the previous year[21] - The net profit attributable to shareholders for the nine months ended September 30, 2016, was RMB 132,438 million, compared to RMB 116,826 million for the same period in 2015, reflecting an increase of approximately 13.4%[46] - The net profit attributable to shareholders of the parent company was RMB 39,163 million, representing an increase of 2.04% from RMB 38,377 million in the same period of 2015[49] - For the third quarter of 2016, the net profit was RMB 12,187 million, an increase of 3.36% compared to RMB 11,791 million in the third quarter of 2015[53] - The total comprehensive income for the nine months ended September 30, 2016, was RMB 38,884 million, a decrease from RMB 39,945 million in the same period of 2015[51] Asset and Liability Growth - Total assets reached RMB 5,636.58 billion, an increase of 24.68% compared to the end of last year[22] - Total loans and advances amounted to RMB 2,448.87 billion, up 19.57% from the end of last year[22] - Total deposits reached RMB 2,998.85 billion, an increase of 9.76% compared to the end of last year[22] - The total assets of the company increased significantly, with a notable rise in gold and precious metals business by 68.30% to RMB 31,010 million[30] - The total liabilities of China Minsheng Bank Group amounted to RMB 5,300,872 million, up from RMB 4,210,905 million at the end of 2015, indicating a growth of about 25.8%[43] - The company's total liabilities increased by 129.32% to RMB 415,607 million due to the growth in interbank certificates of deposit issuance[31] Loan and Deposit Metrics - The bank's loans and advances to customers reached RMB 2,389,447 million as of September 30, 2016, compared to RMB 1,997,625 million at the end of 2015, marking a growth of about 19.6%[40] - The bank's total deposits reached RMB 2,998,848 million, an increase from RMB 2,732,262 million at the end of 2015, reflecting a growth of approximately 9.8%[43] Non-Performing Loans and Ratios - Non-performing loan ratio stood at 1.57%, a decrease of 0.03 percentage points from the end of last year[24] - The bank's non-performing loan ratio was reported at 1.75% as of September 30, 2016, compared to 1.80% at the end of 2015, showing a slight improvement[46] Income and Expense Analysis - The total operating income for Minsheng Bank Group reached RMB 116,381 million, which is a marginal increase from RMB 116,170 million in the previous year[49] - The total operating expenses for Minsheng Bank Group were RMB 66,395 million, up from RMB 65,565 million in the same period of 2015, indicating a year-on-year increase of 1.27%[49] - The bank's interest income for the nine months ended September 30, 2016, was RMB 145,000 million, compared to RMB 130,000 million for the same period in 2015, indicating an increase of about 11.5%[48] - For the nine months ended September 30, 2016, the net interest income of Minsheng Bank Group was RMB 70,889 million, a slight increase of 0.57% compared to RMB 70,489 million in the same period of 2015[49] Shareholder Information - Total number of shareholders reached 316,935 by the end of the reporting period[27] - The top ten shareholders hold a combined total of 18.91% of shares, with Hong Kong Central Clearing holding 6,898,577,507 shares[27] Cash Flow and Investment Activities - The total cash inflow from operating activities was RMB 1,580,067 million, significantly higher than RMB 715,267 million in the previous year, marking a 121.5% increase[57] - The net cash flow from operating activities was RMB 855,529 million, a significant rise from RMB 122,445 million in the previous year, showing a 600.5% increase[57] - The net cash outflow from investing activities was RMB 1,084,467 million, compared to RMB 197,257 million in the same period of 2015, indicating a substantial increase in investment expenditures[59] - The cash inflow from financing activities totaled RMB 440,517 million, up from RMB 180,530 million in 2015, reflecting a 143.5% increase[59] Strategic Focus - The bank's strategic focus includes enhancing retail business and optimizing financial market operations[20]