华夏银行(600015) - 2022 Q3 - 季度财报

Financial Performance - In Q3 2022, the company's operating income was RMB 24,511 million, a year-on-year increase of 0.54%[2] - The net profit attributable to shareholders was RMB 5,546 million, reflecting a growth of 6.35% compared to the same period last year[2] - The total profit for the first nine months of 2022 was RMB 22,973 million, an increase of 6.08% year-on-year[6] - The net profit for the first nine months of 2022 was RMB 17,437 million, compared to RMB 16,445 million for the same period in 2021, reflecting an increase of about 6.0%[19] - Net profit for Q3 2022 reached RMB 5,670 million, compared to RMB 5,249 million in Q3 2021, representing an increase of about 8.0%[21] - The total comprehensive income for the first nine months of 2022 was RMB 6,242 million, compared to RMB 6,117 million in the same period of 2021[22] Assets and Liabilities - Total assets at the end of the reporting period reached RMB 3,842,028 million, an increase of 4.51% from the previous year-end[3] - Total liabilities as of September 30, 2022, were RMB 3,532,645 million, up from RMB 3,375,585 million at the end of 2021, marking an increase of approximately 4.7%[18] - The total loan amount increased to RMB 22,851,160 million, a growth of 3.23% from the previous year-end[6] - The total deposits reached RMB 20,740,790 million, reflecting an increase of 8.91% year-on-year[6] Shareholder Information - The total number of common shareholders at the end of the reporting period is 110,098[7] - The largest shareholder, Shougang Group Co., Ltd., holds 20.28% of shares, totaling 3,119,915,294 shares[7] - The second-largest shareholder, State Grid Yingda International Holdings Group Co., Ltd., holds 19.99% of shares, totaling 3,075,906,074 shares[7] - China People's Property Insurance Co., Ltd. holds 16.66% of shares, totaling 2,563,255,062 shares[7] Capital and Liquidity - The total net core tier 1 capital as of September 30, 2022, is RMB 290,096 million, showing an increase from RMB 284,197 million at the end of 2021[12] - The liquidity coverage ratio stands at 142.06% as of September 30, 2022, indicating a strong liquidity position[13] - The total capital adequacy ratio is 12.87% as of September 30, 2022, exceeding the minimum regulatory requirement of 8%[11] - The company raised a total of RMB 7,999,999,992.60 through a private placement of 527,704,485 shares to enhance core tier 1 capital[16] Cash Flow - The net cash flow from operating activities for the year-to-date was RMB 29,534 million, a decrease of 67.03% year-on-year[5] - The net cash flow from operating activities for the first nine months of 2022 was RMB 29,534 million, a significant decrease from RMB 89,584 million in the same period of 2021[23] - The bank's investment activities generated a net cash outflow of RMB 55,065 million in the first nine months of 2022, compared to RMB 59,068 million in the previous year[23] - Cash inflow from bond issuance totaled $60,000,000, showing a significant increase compared to previous periods[24] Credit Quality - The non-performing loan ratio was 1.78%, up by 0.01 percentage points from the previous year-end[3] - The provision coverage ratio improved to 153.46%, an increase of 2.47 percentage points year-on-year[3] - The non-performing loan ratio is 0.49% for suspicious loans, reflecting a decrease of 15.38% compared to the previous year[14] - The bank's credit impairment losses for the first nine months of 2022 were RMB 27,585 million, a decrease from RMB 30,090 million in the same period of 2021, indicating an improvement of approximately 8.3%[19] - The bank's credit impairment losses for Q3 2022 were RMB 8,714 million, a decrease from RMB 10,330 million in Q3 2021, indicating improved asset quality[21] Earnings and Income - The company maintained a basic earnings per share of RMB 0.36, with a year-on-year increase of 5.88%[2] - Basic earnings per share for the period was RMB 0.92, up from RMB 0.87 in the same period last year[20] - Interest income for the first nine months of 2022 was RMB 114,358 million, slightly down from RMB 114,904 million in the same period of 2021, indicating a decrease of approximately 0.5%[19] - The net interest income for the first nine months of 2022 was RMB 56,394 million, down from RMB 60,595 million in the same period of 2021, showing a decline of about 7.3%[19] - Net interest income for Q3 2022 was RMB 18,885 million, down from RMB 20,151 million in Q3 2021, reflecting a decrease of approximately 6.3%[21] - The bank's fee and commission income for the first nine months of 2022 was RMB 11,273 million, up from RMB 10,282 million in the same period of 2021, indicating a growth of approximately 9.7%[19]