2025-10-30 08:33Financial Performance - For the third quarter of 2025, the operating income was RMB 201,886 million, an increase of 2.42% year-on-year[8] - The net profit attributable to shareholders of the parent company reached RMB 101,805 million, reflecting a growth of 3.29% compared to the same period last year[8] - The basic earnings per share for the third quarter was RMB 0.27, up by 8.00% year-on-year[8] - For the first three quarters of 2025, the company achieved a net profit of CNY 271.88 billion, a year-on-year increase of 0.52%[21] - Total operating income reached CNY 610.97 billion, reflecting a year-on-year growth of 1.98%[21] - The bank's net profit for the nine months ending September 30, 2025, was RMB 271.882 billion, an increase of 0.5% from RMB 270.475 billion in the same period of 2024[32] - The bank's total operating income for the nine months ending September 30, 2025, was RMB 610.968 billion, up from RMB 599.107 billion in the same period of 2024[31] Assets and Liabilities - Total assets as of September 30, 2025, amounted to RMB 52,813,421 million, representing an increase of 8.18% from the end of 2024[8] - Total liabilities increased by CNY 378.52 billion to CNY 48,619.64 billion, representing a growth of 8.44%[22] - Customer loans and advances totaled CNY 30,451.93 billion, up CNY 207.97 billion or 7.33%[22] - Customer deposits rose by CNY 247.09 billion to CNY 37,307.82 billion, a growth of 7.09%[22] - The bank's total liabilities rose to RMB 48,619,638 million, an increase of 8.3% from RMB 44,834,480 million in 2024[35] - Total assets increased to RMB 52,813,421 million as of September 30, 2025, up from RMB 48,821,746 million at the end of 2024, representing a growth of approximately 6.1%[34] Cash Flow - The net cash flow from operating activities for the first nine months of 2025 was RMB 1,549,207 million, showing a significant increase of 43.81% year-on-year[9] - The net cash flow from operating activities increased due to a year-on-year rise in net customer deposits[9] - Net cash flow from operating activities for the nine months ended September 30, 2025, was RMB 1,549,207 million, compared to RMB 1,077,248 million for the same period in 2024, reflecting a growth of 43.8%[38] - The net cash outflow for the quarter is recorded at 8,300,742, reflecting the company's cash management strategy[62] Shareholder Information - The total number of ordinary shareholders as of the report date was 759,583, with 101,676 holding H shares and 657,907 holding A shares[11] - The top shareholder, Central Huijin Investment Ltd., held 34.79% of the shares, totaling 124,004,660,940 shares[13] - The bank declared a cash dividend of RMB 1.646 per 10 shares for the 2024 fiscal year, totaling approximately RMB 58.664 billion, and a total cash dividend of RMB 3.080 per 10 shares for the entire year, amounting to about RMB 109.773 billion[29] Capital and Ratios - The equity attributable to shareholders of the parent company was RMB 4,168,427 million, which is a 5.00% increase compared to the end of 2024[8] - The total capital adequacy ratio was 18.85%, down from 19.25% in the same period last year[44] - The core tier 1 capital ratio was reported at 13.57%, a decrease from 13.95% in the same period last year[44] - The leverage ratio was reported at 7.50%, a slight increase from 7.47% in the previous quarter[45] - The net stable funding ratio was 128.11%, reflecting a stable funding position compared to 129.66% a year ago[45] Investment Activities - The bank issued CNY 50 billion of Tier 2 capital bonds in July 2025 to supplement its Tier 2 capital[24] - In October 2025, the company issued CNY 10 billion of total loss-absorbing capacity non-capital bonds to enhance its loss-absorbing capacity[27] - The bank issued debt securities amounting to RMB 2,245,725 million during the nine months, compared to RMB 1,502,253 million in the previous year, reflecting a significant increase in funding activities[38] Risk Management - The non-performing loan balance was CNY 404.84 billion, with a non-performing loan ratio of 1.33%, a decrease of 0.01 percentage points[23] - The total risk-weighted assets reached RMB 28,022,090 million, up from RMB 25,546,153 million year-over-year, indicating a growth of 5.77%[44] - The bank's risk-weighted assets for credit risk were RMB 25,715,806 million, up from RMB 24,508,477 million year-over-year, reflecting a growth of 4.91%[50]