2016-10-27 16:00Financial Performance - Net profit attributable to shareholders was RMB 34.54 billion, a year-on-year increase of 4.91%[10] - Operating income for the first nine months of 2016 was RMB 115.34 billion, up 7.34% from the same period in 2015[10] - Net profit for the group for the first nine months of 2016 was RMB 34,623 million, a 3.6% increase compared to RMB 33,434 million in the same period of 2015[37] - Net interest income rose to RMB 79,524 million in the first nine months of 2016, compared to RMB 76,746 million in the same period of 2015, reflecting a growth of 3.7%[37] - The net profit attributable to shareholders for Q3 2016 was RMB 10,943 million, up 5.8% from RMB 10,340 million in Q3 2015[43] - Total comprehensive income amounted to RMB 34,874 million, compared to RMB 47,384 million in the previous year, reflecting a decrease of approximately 26.4%[50] Asset and Liability Management - As of September 30, 2016, total assets reached RMB 5,541.54 billion, an increase of 8.18% compared to the end of 2015[9] - The group's total liabilities reached RMB 5,194,107 million as of September 30, 2016, an increase from RMB 4,802,606 million as of December 31, 2015, marking a growth of 8.2%[34] - The total assets of the group increased to RMB 5,541,535 million as of September 30, 2016, up from RMB 5,122,292 million as of December 31, 2015, representing a growth of 8.2%[32] Loan and Deposit Growth - Customer loans and advances totaled RMB 2,838.80 billion, reflecting a growth of 12.26% year-on-year[9] - The group reported a net increase in customer deposits of RMB 204,449 million for the first nine months of 2016, compared to RMB 292,816 million in the same period of 2015[45] Income Composition - Non-interest income accounted for 31.05% of total income, an increase of 2.47 percentage points year-on-year[19] - The group's fee and commission income increased to RMB 32,792 million in the first nine months of 2016, compared to RMB 27,432 million in the same period of 2015, indicating a growth of 19.3%[37] Capital Adequacy and Ratios - The capital adequacy ratio stood at 11.47%, down 0.40 percentage points from the end of 2015[14] - The core tier 1 capital adequacy ratio was 9.01%, a decrease of 0.11 percentage points compared to the previous year[14] - The liquidity coverage ratio was 89.64%, compared to 87.78% at the end of 2015[18] Shareholder Information - The number of shareholders totaled 205,677 as of the report date[20] - The bank distributed dividends of RMB 10,374 million to shareholders during the period[52] - The bank's actual controller, CITIC Group, has committed to not reducing its shareholding during market fluctuations and plans to increase its holdings by up to 7% of the total issued shares by January 21, 2017[28] Investment and Other Income - The bank's investment income reached RMB 3,799 million, marking a 31.68% increase, attributed to higher returns from derivative financial instruments[25] - The group reported an investment income of RMB 3,799 million for the first nine months of 2016, up from RMB 2,885 million in the same period of 2015, reflecting a growth of 31.7%[37] Cash Flow and Operating Activities - The net cash flow from operating activities for the first nine months of 2016 was a negative RMB 29,242 million, compared to a positive RMB 39,621 million in the same period of 2015[47] - The net cash flow from financing activities for the first nine months of 2016 was RMB 159,082 million, significantly higher than RMB 66,786 million in the same period of 2015[47] Other Financial Metrics - The bank's basic earnings per share for the first nine months of 2016 was RMB 0.71, up from RMB 0.70 in the same period of 2015[39] - The bank's retained earnings increased to RMB 131,090 million by September 30, 2016, compared to RMB 108,842 million at the end of 2015[52] - The bank's total equity attributable to shareholders increased to RMB 342,159 million as of September 30, 2016, compared to RMB 317,740 million as of December 31, 2015, representing a growth of 7.7%[34]