2025-10-24 09:50Financial Performance - Net profit for Q3 2025 was RMB 1,801,650,000, reflecting a 20.49% increase compared to the same period last year[4] - Basic earnings per share increased by 22.50% to RMB 0.49 for Q3 2025[4] - The net profit for the first nine months of 2025 was CNY 5.196 billion, an increase of CNY 490 million, marking a growth of 10.42% year-on-year[21] - The bank's net profit for the nine months ended September 30, 2025, reached RMB 5,195,833 thousand, up 10.4% from RMB 4,705,500 thousand in 2024[31] - Total comprehensive income attributable to shareholders for the nine months ended September 30, 2025, was RMB 2,903,954, a decrease of 40.8% compared to RMB 4,906,837 in 2024[32] Income and Revenue - Operating income for Q3 2025 reached RMB 4,080,754,000, up 17.38% year-on-year[4] - The operating income for the same period was CNY 11.740 billion, up CNY 1.106 billion, with a growth rate of 10.40%[21] - The bank's total operating income for the nine months ended September 30, 2025, was RMB 11,740,161 thousand, an increase of 10.4% from RMB 10,634,474 thousand in 2024[30] - Net interest income for the nine months ended September 30, 2025, was RMB 9,120,058 thousand, an increase of 15.2% compared to RMB 7,915,024 thousand in the same period of 2024[30] - The bank's investment income for the nine months ended September 30, 2025, was RMB 2,340,579 thousand, an increase of 25% from RMB 1,874,157 thousand in 2024[30] Assets and Liabilities - Total assets increased by 19.39% year-on-year, reaching RMB 1,022,749,648,000 as of September 30, 2025[4] - Total liabilities rose to RMB 956,747,743 thousand as of September 30, 2025, compared to RMB 792,877,922 thousand in 2024, marking an increase of approximately 20.7%[27] - Customer loans and advances rose by 18.10% year-on-year, totaling RMB 520,384,849,000[4] - The bank's loan and advance balance increased to RMB 505,779,026 thousand in 2025, up from RMB 427,263,845 thousand in 2024, reflecting a growth of 18.3%[26] Capital and Ratios - The capital adequacy ratio stood at 12.60% as of September 30, 2025, down from 14.46% at the end of 2024[9] - The core Tier 1 capital adequacy ratio was 8.57%, down 1.31 percentage points from the end of the previous year, meeting regulatory requirements[22] - The weighted average return on equity increased to 11.95%, up 1.38 percentage points year-on-year[4] Cash Flow - The net cash flow from operating activities for the first nine months of 2025 was RMB 54,368,226,000[4] - Cash flow from operating activities generated a net cash inflow of RMB 54,368,226 for the nine months ended September 30, 2025, compared to a net outflow of RMB 32,384,875 in 2024[36] - Cash inflow from investment activities for the nine months ended September 30, 2025, was RMB 91,260,394 thousand, an increase of 13.5% compared to RMB 80,110,285 thousand in 2024[39] - Cash outflow for repayment of debts for the nine months ended September 30, 2025, was RMB 122,590,000 thousand, an increase from RMB 116,390,000 thousand in 2024[40] Shareholder Information - The proposed cash dividend is CNY 1.684 per 10 shares, totaling CNY 585.12 million, which accounts for 11.99% of the net profit attributable to ordinary shareholders for the first three quarters[23] - The total number of ordinary shareholders was 36,303, with the top ten shareholders holding a combined 82.68% of the shares[3] - The total number of pledged shares was 123.14 million, accounting for 3.54% of the total share capital[19]