2025-10-30 11:20Financial Performance - Net profit attributable to shareholders was RMB 7,162 million, down 10.61% from the same period last year[4] - The return on average total assets (annualized) was 0.36%, a decrease of 0.06 percentage points year-on-year[4] - The weighted average return on equity (annualized) was 4.13%, down 1.11 percentage points from the previous year[4] - The bank's basic earnings per share was RMB 0.14, a decrease of 12.50% compared to the same period last year[4] - The net profit attributable to shareholders for the first three quarters of 2025 was CNY 285.42 billion, a decrease of CNY 19.44 billion, or 6.38% year-on-year[17] - The net profit attributable to the bank's shareholders for the first nine months of 2025 was RMB 28,542 million, compared to RMB 30,486 million in 2024, indicating a decrease of 6.4%[46] - The total comprehensive income for the group was RMB 25,553 million, down from RMB 32,296 million in the same period last year, reflecting a decline of 20.8%[48] Asset and Liability Management - Total assets reached RMB 7,872,864 million, an increase of 0.74% compared to the end of 2024[3] - Total liabilities amounted to CNY 71,723.16 billion, increasing by CNY 139.15 billion, or 0.19% year-on-year[16] - The total assets of the group reached RMB 7,872,864 million as of September 30, 2025, compared to RMB 7,814,969 million at the end of 2024[40] - The group's total liabilities were RMB 7,172,316 million as of September 30, 2025, compared to RMB 7,158,401 million at the end of 2024[42] - The bank's total liabilities and shareholders' equity reached RMB 7,872,864 million, compared to RMB 7,814,969 million at the end of 2024, showing a growth of 0.7%[44] Loan and Deposit Trends - Total loans and advances amounted to RMB 4,436,759 million, a slight decrease of 0.31% year-on-year[3] - Total deposits reached RMB 4,255,602 million, reflecting a growth of 0.15% compared to the previous year[3] - The balance of inclusive small and micro enterprise loans was CNY 6,630.14 billion, with a non-performing loan ratio of 1.58%[21] - Total loans (including discounts) amounted to 1.48 trillion yuan, an increase of 32.52 billion yuan compared to the end of last year[26] - Daily average deposits reached 1.21 trillion yuan, an increase of 10.13 billion yuan compared to the previous year[26] Asset Quality and Risk Management - The non-performing loan ratio increased to 1.48%, up 0.01 percentage points from the end of 2024[3] - The non-performing loan total was 65.86 billion yuan, with a non-performing loan ratio of 1.48%, up 0.01 percentage points from the end of last year[32] - The core Tier 1 capital adequacy ratio was 9.25%, down by 0.11 percentage points from the end of the previous year[34] - The liquidity coverage ratio stood at 133.70%, exceeding the regulatory requirement by 33.70 percentage points[36] - The asset quality remains stable and controllable, with a robust risk prevention system in place[15] Operational Efficiency and Strategic Focus - The company emphasizes a strategic focus on "strong customer base, optimal structure, risk control, and revenue growth" for high-quality development[15] - The company is committed to optimizing its operations and driving efficiency through structural improvements[15] - The group aims to enhance its support for technology-driven enterprises and has established 12 specialized branches for technology finance[18] - Key business areas such as supply chain, agency distribution, mortgage, merchant acquiring, and cross-border services are experiencing accelerated growth[15] Shareholder Information - The total number of ordinary shareholders was 336,103, with 319,388 holding A shares and 16,715 holding H shares[7] - The top 10 shareholders hold a total of 18.93% and 10.30% of the shares, with the largest being Hong Kong Central Clearing Limited at 8,288,521,394 shares[8] - The company has a total of 57 domestic preferred shareholders as of the end of the reporting period[10] - The largest preferred shareholder is China Ping An Property & Casualty Insurance Co., holding 14,000,000 shares, representing 7.00%[12] - The total number of shares held by the top 10 unrestricted shareholders does not participate in margin trading[8] Cash Flow and Investment Activities - Cash flow from operating activities for the year-to-date was RMB 46,055 million, a significant improvement from a negative cash flow in the previous year[6] - The group's cash flow from operating activities generated a net inflow of RMB 46,055 million, a significant recovery compared to a net outflow of RMB 194,600 million in the previous year[50] - The net cash flow from investment activities for the group increased to RMB 71.2 million in 2025 from RMB 4.3 million in 2024, reflecting a significant improvement[52] - Cash inflows from investment activities totaled RMB 2,531.878 million in 2025, up from RMB 1,452.444 million in 2024, indicating a growth of approximately 74%[52] - The cash outflow for debt repayment was RMB 1,073.243 million in 2025, compared to RMB 833.659 million in 2024, indicating an increase in debt servicing costs[52]