2016-10-28 16:00Financial Performance - Operating income for the period was RMB 386,154 million, a decrease of 5.19% year-on-year[6] - Net profit for the period was RMB 154,175 million, showing a slight increase of 0.52% compared to the previous year[6] - Basic and diluted earnings per share remained at RMB 0.47, unchanged from the previous year[6] - The group achieved a net profit of CNY 154.175 billion for the nine months ended September 30, 2016, representing a year-on-year increase of 0.52%[20] - The bank's operating income for the nine months was RMB 386,154 million, down from RMB 407,276 million in 2015, indicating a decrease of 5.2%[51] - The bank's total comprehensive income for the nine months ended September 30, 2016, was RMB 155,401 million, compared to RMB 161,015 million in 2015, indicating a decrease of 3.9%[57] Assets and Liabilities - Total assets reached RMB 19,064,101 million, an increase of 7.15% compared to the end of the previous year[6] - Total liabilities were RMB 17,751,076 million, up by 7.07% from the previous year[6] - The group’s total liabilities increased by CNY 1.171568 trillion, growing by 7.07% to CNY 17.751076 trillion[21] - The bank's total liabilities reached RMB 17,751,076 million, compared to RMB 16,579,508 million in 2015, marking an increase of 7.1%[50] - The total risk-weighted assets reached RMB 11,824,042 million, up from RMB 10,986,302 million at the end of 2015[39] Customer Deposits and Loans - Customer deposits increased to RMB 14,997,769 million, representing a 10.78% rise compared to the previous year[6] - The total amount of loans and advances reached CNY 9.6173 trillion, an increase of CNY 707.425 billion or 7.94% compared to the end of the previous year[21] - The county-level loans and advances totaled CNY 3.120838 trillion, increasing by 9.11% from the end of the previous year[25] - The bank's customer deposits increased to RMB 14,997,769 million, up from RMB 13,538,360 million in 2015, which is a growth of 10.8%[50] Income and Expenses - The net interest income was CNY 298.121 billion, down 9.31% year-on-year, while net commission income rose by 9.80% to CNY 73.141 billion[20] - Net interest income for the nine months was RMB 298,121 million, down from RMB 328,740 million in 2015, reflecting a decrease of 9.3%[51] - The bank's operating expenses for the nine months ended September 30, 2016, were RMB 184,392 million, down 9.3% from RMB 203,341 million in 2015[55] - The bank's fee and commission income for the nine months was RMB 78,537 million, an increase from RMB 70,728 million in 2015, representing a growth of 11%[51] Shareholder Information - The number of ordinary shareholders reached 482,421, with 456,284 being A-share holders[9] - The top two shareholders, Central Huijin Investment Ltd. and the Ministry of Finance of the People's Republic of China, hold 40.03% and 39.21% of shares respectively[11] - The bank's total equity attributable to shareholders increased to RMB 1,310,436 million from RMB 1,210,091 million in 2015, reflecting a growth of 8.3%[50] Capital Adequacy and Ratios - As of September 30, 2016, the core capital adequacy ratio was 10.00%, slightly down from 10.01% at the end of 2015[38] - The total capital adequacy ratio stood at 12.81%, compared to 13.08% at the end of 2015[38] - The bank's leverage ratio was reported at 6.43% as of September 30, 2016, up from 6.33% at the end of 2015[46] Cash Flow and Financing Activities - The net cash flow from operating activities for the nine months ended September 30, 2016, was RMB 509,490 million, slightly down from RMB 511,177 million in 2015[59] - The net cash flow from financing activities was negative at RMB 43,767 million, compared to a negative RMB 43,461 million in the same period last year[61] - Cash inflows from issued debt securities amounted to RMB 575,020 million, a significant increase from RMB 275,265 million in the previous year[61] - Total cash outflows from financing activities reached RMB 619,748 million, up from RMB 358,726 million year-on-year[61] Non-Performing Loans - The non-performing loan balance was CNY 229.822 billion, with a non-performing loan ratio of 2.39%, remaining stable compared to the end of the previous year[24] - The bank's non-performing loan ratio was not explicitly stated, but asset impairment losses for the nine months were RMB 60,535 million, compared to RMB 57,365 million in 2015, indicating a rise of 3.8%[51]