2019-10-30 16:00Financial Performance - Net profit attributable to shareholders for Q3 2019 was RMB 26,627 million, representing a year-on-year increase of 14.63%[3] - Operating income for the first nine months of 2019 was RMB 207,730 million, up 10.36% from RMB 188,221 million in the same period of 2018[3] - The basic earnings per share for Q3 2019 was RMB 1.04, a 14.66% increase compared to RMB 2.66 in Q3 2018[3] - The bank's net profit attributable to shareholders after deducting non-recurring gains and losses was RMB 26,584 million for Q3 2019, up 14.52% year-on-year[3] - Net profit for the first nine months of 2019 reached 77,761 million RMB, an increase from 67,564 million RMB in the same period of 2018, representing a growth of approximately 17.5%[35] - Total operating income for the first nine months of 2019 was 207,730 million RMB, compared to 188,221 million RMB in 2018, reflecting an increase of about 10.4%[35] - Net interest income for the first nine months of 2019 was 131,224 million RMB, up from 117,972 million RMB in 2018, indicating a growth of approximately 11.1%[35] Asset and Liability Management - Total assets reached RMB 7,305,925 million as of September 30, 2019, an increase of 8.30% compared to the end of 2018[2] - The bank's total liabilities were RMB 6,703,077 million as of September 30, 2019, compared to RMB 6,202,124 million at the end of 2018, marking an increase of around 8.1%[29] - The bank's total equity as of September 30, 2019, was RMB 602,848 million, compared to RMB 543,605 million at the end of 2018, indicating an increase of approximately 10.9%[29] - The bank's total liabilities as of September 30, 2019, amounted to 6,278,632 million RMB, compared to 5,833,152 million RMB at the end of 2018, marking an increase of about 7.6%[35] Capital Adequacy - The capital adequacy ratio as of September 30, 2019, was 15.44%, a decrease of 0.24 percentage points from the end of 2018[7] - The core tier 1 capital adequacy ratio was 11.90%, an increase of 0.12 percentage points compared to 11.78% at the end of 2018[7] - The overall capital adequacy ratio decreased to 12.86% from 13.06%, a decline of 0.20 percentage points[10] - The company's core Tier 1 capital adequacy ratio reached 10.01%, up from 9.82%, an increase of 0.19 percentage points[11] Customer Deposits - Customer deposits reached RMB 4,793,171 million, up from RMB 4,427,566 million, indicating a growth of about 8.3% year-over-year[29] - The net increase in customer deposits for the first nine months of 2019 was RMB 342.57 billion, compared to RMB 223.25 billion in the same period of 2018, representing a year-over-year increase of 53.4%[21] - Customer deposits increased to 4,582,484 million RMB as of September 30, 2019, from 4,237,430 million RMB at the end of 2018, representing a growth of approximately 8.1%[35] Cash Flow - The net cash flow from operating activities for the first nine months of 2019 improved to RMB (53,732) million, a 69.24% increase from RMB (174,705) million in the same period of 2018[3] - The net cash flow from operating activities for the nine months ended September 30, 2019, was CNY (53,732) million, a decrease from CNY 174,705 million in 2018[43] - The net cash flow from financing activities for the nine months ended September 30, 2019, was CNY 100,772 million, compared to CNY 25,926 million in 2018, indicating a significant increase[43] Non-Interest Income - The company achieved non-interest income of RMB 67.44 billion, a year-on-year increase of 7.58%, accounting for 34.71% of total revenue[21] Operational Efficiency - The cost-to-income ratio was 29.44%, an increase of 1.85 percentage points year-on-year[21] - The bank's operating expenses for the first nine months of 2019 totaled 109,070 million RMB, up from 99,702 million RMB in 2018, representing an increase of about 9.4%[35] Shareholder Information - The total number of ordinary shareholders reached 295,044, all of whom are unrestricted shareholders[12] - The largest shareholder, Hong Kong Central Clearing (Nominee) Limited, holds 4,553,578,616 shares, representing 18.06% of total equity[13] - The second-largest shareholder, China Merchants Industry Holdings, owns 3,289,470,337 shares, accounting for 13.04% of total equity[13] Liquidity Management - The average liquidity coverage ratio for the third quarter of 2019 was 143.84%, an increase of 11.35 percentage points from the previous quarter[23] - The liquidity coverage ratio at the end of the third quarter of 2019 was 154.13%, meeting regulatory requirements set by the China Banking and Insurance Regulatory Commission[23] - The total qualified liquid assets amounted to RMB 1,024.61 billion, which contributed to the liquidity coverage ratio[24]