Financial Performance - Net profit for the third quarter of 2022 was RMB 1.54 billion, a year-over-year increase of 5.33%[3] - The net profit attributable to shareholders was RMB 1.46 billion, up 3.34% from the same period last year[3] - The net profit for the nine months ended September 30, 2022, was RMB 4.437 billion, an increase of RMB 0.221 billion, or 5.23% year-on-year[19] - Operating income for the same period was RMB 10.467 billion, a decrease of RMB 0.536 billion, or 4.87% year-on-year, primarily due to losses from financial assets measured at fair value[19] - The bank's pre-tax profit for the nine months ended September 30, 2022, was RMB 5,372,228 thousand, slightly up from RMB 5,310,686 thousand in the same period of 2021[31] - The earnings per share attributable to shareholders for the nine months ended September 30, 2022, was RMB 1.22, compared to RMB 1.20 for the same period in 2021[28] Assets and Liabilities - Total assets as of September 30, 2022, reached RMB 670.32 billion, an increase of 8.30% compared to the end of 2021[3] - Total liabilities amounted to RMB 617.21 billion, up 8.34% from the previous year-end[3] - The bank's total equity increased to RMB 53,102,790 thousand as of September 30, 2022, compared to RMB 49,246,695 thousand at the end of 2021, reflecting a growth of approximately 7.5%[30] - As of September 30, 2022, total assets increased to RMB 670,317,628 thousand, up from RMB 618,953,620 thousand as of December 31, 2021, representing a growth of approximately 8.5%[29][30] - Total liabilities rose to RMB 617,214,838 thousand, compared to RMB 569,706,925 thousand, marking an increase of approximately 8.3%[30] Customer Loans and Deposits - Customer loans and advances totaled RMB 343.29 billion, reflecting a growth of 7.93% year-over-year[3] - Customer deposits increased to RMB 381.68 billion, marking a 12.69% rise compared to December 31, 2021[3] - The total amount of customer loans and advances was RMB 343.285 billion, an increase of RMB 25.223 billion, or 7.93% compared to the end of the previous year[19] - Customer deposits reached RMB 381.684 billion, up RMB 42.989 billion, representing a growth of 12.69% from the end of the previous year[19] Cash Flow - The net cash flow from operating activities was negative at RMB (7.38) billion, a decline of 167.48% compared to the previous year[9] - Net cash flow from operating activities for the nine months ended September 30, 2022, was RMB (11,615,917) thousand, compared to RMB (10,109,419) thousand for the same period in 2021, indicating a decline in cash flow[32][33] - Investment activities generated a net cash flow of RMB (12,585,716) thousand, worsening from RMB (8,292,978) thousand in the previous year[33] - Financing activities produced a net cash flow of RMB 18,998,200 thousand, down from RMB 20,891,615 thousand year-over-year[33] Capital Adequacy and Ratios - The core tier 1 capital adequacy ratio stood at 9.63% as of September 30, 2022, compared to 9.36% at the end of 2021[6] - The liquidity coverage ratio was 313.47% as of September 30, 2022, significantly higher than 172.87% at the end of 2021[8] - The adjusted leverage ratio was 7.02% as of September 30, 2022, down from 7.22% at the end of 2021[7] - The core Tier 1 capital adequacy ratio was 9.63%, and the Tier 1 capital adequacy ratio was 10.68%, both up 0.27 and 0.23 percentage points respectively from the end of the previous year[20] Shareholder Information - The total number of ordinary shareholders as of the reporting period end is 71,946, with 70,835 A-share shareholders and 1,111 H-share shareholders[10] - The top ten ordinary shareholders hold a total of 2,646,000,000 shares, representing 75.73% of the total share capital[11] - Hong Kong Central Clearing (Agent) holds 1,172,861,432 shares, accounting for 33.76% of the total share capital[11] - Chongqing Yufu Capital Operation Group holds 488,551,003 shares, representing 14.06% of the total share capital, with 407,929,748 shares subject to trading restrictions[11] - Lifan Technology Group holds 294,818,932 shares, which is 8.49% of the total share capital, with 129,564,932 shares pledged[11] - The total number of pledged shares is 137,212,307, accounting for 3.95% of the total share capital[15] - The total number of frozen shares is 54,041, representing 0.002% of the total share capital[15] - The only preferred shareholder is The Bank of New York, holding 37,500,000 shares, which is 100% of the preferred shares[17] - The top ten unrestricted ordinary shareholders have a combined holding of 1,172,861,432 shares in H shares and 68,600,000 shares in A shares[12] - Chongqing Water Investment Group holds 173,367,766 shares, accounting for 4.99% of the total share capital, with 139,838,675 shares subject to trading restrictions[11] Other Notable Events - The group successfully issued A-share convertible bonds totaling RMB 13 billion in March 2022, with an initial conversion price of RMB 11.28 per share[21] - The group was selected as one of the "Double Hundred Enterprises," a recognition aimed at promoting comprehensive reform among state-owned enterprises[22]
重庆银行(01963) - 2022 Q3 - 季度财报