NJBK(SH:601009)2016-10-24 16:00Financial Performance - Net profit attributable to shareholders of the parent company was RMB 6,352,072 thousand, up 22.67% year-on-year[5] - Operating income for the first nine months was RMB 21,060,894 thousand, reflecting a growth of 26.84% compared to the same period last year[5] - Basic earnings per share increased to RMB 1.05, representing a growth of 23.53% year-on-year[6] - Net profit for the third quarter of 2016 was RMB 2,019,657 thousand, a 24.1% increase compared to RMB 1,627,129 thousand in the same period of 2015[35] - Net profit for the first nine months of 2016 was RMB 6,172,124 thousand, representing a 21% increase from RMB 5,109,208 thousand in the previous year[37] Asset and Liability Growth - Total assets reached RMB 1,023,217,639 thousand, an increase of 27.10% compared to the previous year[5] - The bank's total liabilities reached RMB 961,161,439 thousand as of September 30, 2016, compared to RMB 752,606,315 thousand at the end of 2015, marking an increase of 27.7%[30] - Total assets increased to RMB 1,224,692,159 thousand in the first nine months of 2016, compared to RMB 1,011,031,707 thousand in the same period of 2015[40] - The bank's total liabilities reached RMB 1,224,751,757 thousand, an increase from RMB 1,011,132,263 thousand year-on-year[40] Deposits and Loans - Total deposits amounted to CNY 646.785 billion, up CNY 142.588 billion, representing a growth of 28.28%[14] - Customer deposits increased to RMB 646,784,915 thousand, up from RMB 504,197,106 thousand, indicating a growth of 28.2%[30] - Total loans increased to CNY 318.375 billion, with a rise of CNY 67.178 billion, reflecting a growth of 26.74%[14] - Total loans amounted to CNY 318,375,168 thousand, an increase from CNY 251,197,549 thousand at the end of 2015, reflecting a growth of 26.7%[24] Investment and Income - The company reported a significant increase in investment income by 60.57% to CNY 1.008 billion[17] - The bank's investment income for the first nine months of 2016 was RMB 1,008,328 thousand, an increase from RMB 627,973 thousand in the same period of 2015, representing a growth of 60.5%[35] - Net interest income rose to RMB 5,097,028 thousand in Q3 2016, up from RMB 4,792,447 thousand in Q3 2015, reflecting an increase of 6.4%[35] - Net interest income for the first nine months of 2016 was RMB 16,438,368 thousand, up 21.4% from RMB 13,518,319 thousand in the same period last year[37] Risk Management - Non-performing loan ratio was reported at 0.87%[14] - The non-performing loan ratio stood at 0.87% as of September 30, 2016, slightly up from 0.85% at the end of 2015[25] - The bank's loan loss provisions increased to CNY 12,779,981 thousand, up from CNY 8,970,914 thousand at the end of 2015, indicating a proactive approach to risk management[24] - The bank's non-performing loan ratio remained stable, indicating effective risk management strategies in place[35] Shareholder Information - The total number of common shareholders at the end of the reporting period was 85,675[9] - The largest shareholder, BNP Paribas, held 901,062,480 shares, accounting for 14.87% of total shares[9] Operational Efficiency - The weighted average return on equity was 12.83%, a decrease of 13.13% from the previous year[6] - The bank's cost-to-income ratio improved to 21.45% from 22.78% at the end of 2015, indicating better operational efficiency[25] Future Outlook - The bank plans to continue expanding its market presence and enhancing its product offerings to drive future growth[35]