2025-10-30 11:00Financial Performance - For the third quarter of 2025, the operating income was RMB 174,376 million, a decrease of 1.77% compared to the same period last year[6]. - The net profit for the same period was RMB 95,808 million, reflecting an increase of 4.06% year-on-year[6]. - The net profit attributable to shareholders was RMB 95,284 million, up by 4.19% compared to the previous year[6]. - Net profit for the nine months ended September 30, 2025, was RMB 258.45 billion, representing a year-on-year growth of 0.52%[28]. - The bank's pre-tax profit for the nine months ended September 30, 2025, was RMB 289,581 million, a decrease of 2.36% from RMB 297,638 million in 2024[45]. - Basic and diluted earnings per share for the nine months ended September 30, 2025, were RMB 1.00, compared to RMB 1.01 in the same period of 2024[36]. Cash Flow and Liquidity - The cash flow from operating activities for the nine months ended September 30, 2025, was RMB 1,817,380 million, representing a significant increase of 90.33% year-on-year[8]. - The net cash flow from operating activities for the nine months ended September 30, 2025, was RMB 1,817,380 million, compared to RMB 954,869 million for the same period in 2024, indicating an increase of 90.24%[47]. - The bank's cash and cash equivalents increased to RMB 1,156,321 million as of September 30, 2025, from RMB 1,385,789 million at the end of 2024, a decrease of 16.49%[51]. - The bank's net cash flow from financing activities was RMB 105,108 million for the nine months ended September 30, 2025, compared to a net outflow of RMB 19,844 million in 2024[49]. Assets and Liabilities - Total assets as of September 30, 2025, reached RMB 45,369,094 million, an increase of 11.83% from December 31, 2024[6]. - Total liabilities increased to RMB 41,712,953 million as of September 30, 2025, compared to RMB 37,227,184 million at the end of 2024, reflecting a growth of 12.0%[40]. - The total liabilities and equity reached RMB 45,369,094 million as of September 30, 2025, up from RMB 40,571,149 million as of December 31, 2024, an increase of 11.06%[42]. Shareholder Information - The equity attributable to shareholders was RMB 3,633,387 million, up by 9.37% compared to the end of 2024[6]. - The total number of ordinary shareholders as of September 30, 2025, was 343,236, with A-share shareholders numbering 307,319[9]. - The largest shareholder, Central Huijin Investment Ltd., held 54.51% of H-shares and 0.10% of A-shares[9]. - As of September 30, 2025, total equity attributable to shareholders reached RMB 3,633,387 million, up from RMB 3,322,127 million as of December 31, 2024, representing an increase of 9.36%[42]. Loan and Deposit Information - Total loans and advances amounted to RMB 27.68 trillion, up RMB 1.84 trillion or 7.10% year-on-year[24]. - Total deposits reached RMB 30.65 trillion, an increase of RMB 1.94 trillion or 6.75% from the previous year[25]. - The net increase in deposits from customers and other financial institutions was RMB 3,475,094 million for the nine months ended September 30, 2025, compared to RMB 2,209,613 million in 2024, reflecting a growth of 57.38%[47]. Non-Performing Loans and Credit Quality - Non-performing loans stood at RMB 365.47 billion, with a non-performing loan ratio of 1.32%, a decrease of 0.02 percentage points from the previous year[24]. - The bank's credit impairment losses for the nine months ended September 30, 2025, were RMB 121,763 million, an increase of 11.1% compared to RMB 109,583 million in 2024[31]. - The bank reported a credit impairment loss of RMB 121,763 million for the nine months ended September 30, 2025, compared to RMB 109,583 million in 2024, an increase of 11.04%[45]. Interest Income and Expenses - Net interest income decreased by 3.00% year-on-year to RMB 427.61 billion, with a net interest margin of 1.36%[28]. - Interest income for the nine months ended September 30, 2025, was RMB 867,068 million, a decrease of 7.6% compared to RMB 938,135 million for the same period in 2024[31]. - The bank's interest income from operations, excluding investment bonds, was RMB 632,842 million for the nine months ended September 30, 2025, compared to RMB 716,089 million in 2024, a decrease of 11.66%[51]. Other Financial Activities - The company reported a significant increase in deposits and interbank placements, contributing to the growth in cash flow from operating activities[8]. - The balance of green loans reached 5.89 trillion yuan, an increase of 18.38% compared to the beginning of the year[17]. - The cumulative amount of technology enterprise acquisition loan projects reached 143.46 billion yuan, with 37 projects completed[17]. - The total scale of the second pillar management for the pension business reached 700.90 billion yuan, an increase of 11.78% compared to the end of the previous year[21]. - The balance of inclusive loans for small and micro enterprises reached 3.81 trillion yuan, an increase of 397.69 billion yuan compared to the end of the previous year[21]. - The company has issued multiple green bonds with a total issuance amount exceeding 50 billion yuan[17]. - The cumulative number of users on the "Yunongtong" platform has surpassed 31 million, serving 76.24 million rural customers[21]. - The company has completed the filing of 19 out of 21 pilot funds for equity investment in 15 cities[17]. - The company has underwritten 118 technology innovation bonds, totaling 38.18 billion yuan, with a year-on-year increase of over 4 times in technology bond investments[17]. - The company has launched the "Anxin" series of corporate pension products, covering multiple scenarios such as salary benefits and medical supplements[21].