交通银行(03328) - 2022 Q3 - 季度财报

Financial Performance - Net operating income for Q3 2022 was RMB 66,779 million, showing a slight increase of 0.94% year-on-year[5] - Profit before tax for the first nine months of 2022 was RMB 70,953 million, up by 2.21% compared to the same period last year[5] - Net operating income for the first three quarters was CNY 210.347 billion, a year-on-year growth of 5.06%[15] - Net profit attributable to shareholders was CNY 67.883 billion, up 5.47% year-on-year[15] - The company reported a net profit of RMB 68,020 million for the nine months ended September 30, 2022, an increase from RMB 65,492 million in the same period of 2021[27] - The company’s net operating income for the nine months ended September 30, 2022, was RMB 210,347 million, up from RMB 200,210 million in the previous year[27] Assets and Liabilities - As of September 30, 2022, total assets amounted to RMB 12,693,203 million, an increase of 8.81% from RMB 11,665,757 million at the end of 2021[5] - Total liabilities were RMB 11,680,766 million, up by 9.28% from RMB 10,688,521 million at the end of 2021[5] - Financial investments net amount reached CNY 3,679.675 billion, an increase of 4.44% year-on-year[22] - The total adjusted on-balance sheet and off-balance sheet assets increased from RMB 12,632,573 million at the end of 2021 to RMB 14,005,204 million by September 30, 2022[41] Customer Loans and Deposits - Customer loans reached RMB 7,214,926 million, reflecting a growth of 9.98% compared to RMB 6,560,400 million at the end of 2021[5] - Customer deposits increased to RMB 7,887,813 million, a rise of 12.05% from RMB 7,039,777 million at the end of 2021[5] - Customer loan balance reached CNY 7,214.926 billion, an increase of 9.98% from the end of the previous year[20] - Customer deposit balance was CNY 7,887.813 billion, up 12.05% year-on-year[21] Earnings and Shareholder Information - Basic earnings per share for Q3 2022 were RMB 0.28, an increase of 7.69% from RMB 0.83 in the same period last year[5] - The total number of ordinary shareholders at the end of the reporting period was 365,052, with 333,726 holding A shares and 31,326 holding H shares[7] - The top shareholder, the Ministry of Finance of the People's Republic of China, held 13,178,424,446 A shares, representing 17.75% of the total[8] - The company’s basic and diluted earnings per share attributable to shareholders was RMB 0.83 for the nine months ended September 30, 2022, compared to RMB 0.80 in the previous year[29] Non-Performing Loans and Credit Quality - Non-performing loan balance increased to CNY 101.961 billion, a rise of 5.34% compared to the previous year[23] - As of September 30, 2022, the total loan balance was RMB 7,214,926 million, with a non-performing loan (NPL) ratio of 1.41%[25] - The company’s overdue loans increased from RMB 87,162 million at the end of the previous year to RMB 95,157 million[25] - The overdue loan balance was RMB 95,157 million, with an overdue loan ratio of 1.32%[24] - The provision coverage ratio improved to 181.54%, up 15.04 percentage points from the previous year[23] Capital and Liquidity - The capital adequacy ratio stood at 14.41%, with a Tier 1 capital ratio of 12.16% and a core Tier 1 capital ratio of 10.00%, all meeting regulatory requirements[37] - The net amount of core Tier 1 capital increased to RMB 816,956 million as of September 30, 2022, compared to RMB 783,877 million at the end of 2021[38] - The leverage ratio was reported at 7.09%, satisfying the regulatory requirement of 0.375%[40] - The liquidity coverage ratio averaged 126.13% for the third quarter of 2022, a decrease of 2.02 percentage points from the previous quarter[42] - The total amount of high-quality liquid assets was RMB 2,333,289 million[43] Cash Flow and Investments - Net cash flow from operating activities for the nine months ended September 30, 2022, was RMB 89,302 million, compared to a negative RMB 136,018 million in the same period of 2021[33] - The company’s net cash flow used in investing activities was RMB (40,422) million, compared to RMB (26,663) million in the same period of 2021[34] - The company’s net cash and cash equivalents at the end of the period were RMB 224,799 million, compared to RMB 221,525 million at the end of the previous year[34] - The company issued bonds that generated cash inflow of RMB 86,892 million in 2022, compared to RMB 93,349 million in 2021[34]