SPD BANK(SH:600000)2021-10-29 16:00Financial Performance - Net profit attributable to shareholders of the parent company for Q3 2021 was RMB 11,698 million, a decrease of 25.90% year-on-year[3] - Basic earnings per share for Q3 2021 was RMB 0.35, down 28.57% compared to the same period last year[3] - Net profit attributable to shareholders was 41.54 billion CNY, down 7.17% year-on-year[13] - The company reported a net cash flow from operating activities of RMB -168,910 million for the first nine months of 2021, a decline of 180.40%[3] - Total operating income for the first nine months of 2021 was RMB 143,484 million, a decrease of 3.4% compared to RMB 148,731 million in the same period of 2020[33] - The net profit margin for the first nine months of 2021 was approximately 29.3%, compared to 30.3% in the same period of 2020[34] - The bank's total operating expenses for the first nine months of 2021 were RMB 96,020 million, a decrease of 1.0% from RMB 97,038 million in 2020[33] - The bank reported a credit impairment loss of RMB 58,963 million for the first nine months of 2021, down from RMB 61,519 million in 2020, indicating a decrease of 4.2%[33] Asset and Liability Management - Total assets reached RMB 8,064,383 million, an increase of 1.44% compared to the end of the previous year[3] - Total liabilities were 7,393.76 billion CNY, an increase of 1.22% from the previous year[13] - Total deposits in both domestic and foreign currencies increased by 9.55% to 4,465.79 billion CNY[13] - The company's cash and deposits with central banks decreased to RMB 391.436 billion from RMB 489.088 billion at the end of 2020[31] - The total equity attributable to shareholders increased to RMB 662.528 billion from RMB 638.197 billion at the end of 2020[32] Loan and Credit Quality - The non-performing loan ratio improved to 1.62%, a decrease of 0.11 percentage points from the end of the previous year[4] - The non-performing loan balance was 77.28 billion CNY, with a non-performing loan ratio of 1.62%, down 0.11 percentage points from the previous year[13] - Total loans in both domestic and foreign currencies amounted to 4,776.53 billion CNY, growing by 5.35% year-on-year[13] - The proportion of normal classified loans was 96.24%, with a year-over-year increase of 5.96%[26] Capital Adequacy - The company maintained a core Tier 1 capital adequacy ratio of 9.35% and a total capital adequacy ratio of 14.05%[14] - The capital adequacy ratio as of September 30, 2021, was 14.05%, compared to 14.64% at the end of 2020[22] - The core tier 1 capital adequacy ratio was 9.35%, down from 9.51% at the end of 2020[21] Customer and Market Engagement - The total number of retail customers, including debit and credit card holders, reached 135 million, with managed personal financial assets (AUM) amounting to CNY 3.6 trillion[17] - The loan balance in the Yangtze River Delta region reached CNY 1.46 trillion, and the deposit balance was CNY 1.79 trillion, ranking first among joint-stock banks[15] - The company added 6,889 new technology enterprise clients, with loans increasing by CNY 60.365 billion[18] - The company connected over 17,000 new clients through its API connectivity project, enhancing digital transformation efforts[19] Digital Transformation and Innovation - The company is focusing on transformation in three key areas: lightweight, "dual carbon," and digitalization[12] - The company launched a wealth planning system and upgraded its mobile banking app, enhancing customer experience and digital services[17] Environmental and Social Responsibility - The green credit balance reached CNY 306.37 billion, with CNY 122.63 billion in the Yangtze River Delta, accounting for 40.03% of the total green credit[18] - The company underwrote green debt financing tools totaling CNY 11.98 billion, including CNY 8.48 billion in green debt financing tools[18]