2022-10-28 16:00Financial Performance - Net profit attributable to shareholders for the first nine months of 2022 was RMB 106,922 million, reflecting a year-on-year growth of 14.21%[3] - Basic earnings per share attributable to ordinary shareholders for the first nine months of 2022 was RMB 15.75, up 14.64% compared to the same period last year[3] - The net profit attributable to shareholders after deducting non-recurring gains and losses for the first nine months of 2022 was RMB 106,597 million, an increase of 14.26% year-on-year[3] - In the first nine months of 2022, the group achieved operating income of RMB 264.83 billion, a year-on-year increase of 5.34%[16] - The bank's total operating income for the third quarter of 2022 was RMB 264,833 million, up from RMB 251,410 million in the same quarter of 2021, indicating a growth of 5.3%[52] Assets and Liabilities - Total assets as of September 30, 2022, reached RMB 9,707,111 million, an increase of 4.95% compared to the end of 2021[3] - The total liabilities as of September 30, 2022, were RMB 8,209,985 million, an increase from RMB 7,889,446 million as of December 31, 2021, representing a growth of 4%[50] - The total loans and advances amounted to RMB 5,994.37 billion, an increase of 7.62% year-on-year[16] - Customer deposits totaled RMB 7,090.07 billion, reflecting an 11.71% increase from the previous year[16] - The total assets under management (AUM) for retail customers increased to 11,959.583 billion RMB, up by 11.16% from the end of last year[44] Shareholder Information - The total number of ordinary shareholders as of the end of the reporting period was 637,594, with 608,183 being A-share shareholders[7] - The top shareholder, Hong Kong Central Clearing (Agent) Limited, holds 4,553,007,721 shares, representing 18.05% of total equity, an increase of 601,406 shares from the previous year[8] - The total number of preferred shareholders is 20, with 19 being domestic and 1 being foreign, indicating a diverse shareholder base[10] - The company has maintained a stable shareholder structure with no reported changes in voting rights or significant share pledges among the top shareholders[9] Risk Management and Loan Quality - The non-performing loan balance was RMB 57.09 billion, with a non-performing loan ratio of 0.95%, up 0.04 percentage points from the end of the previous year[16] - The company maintained a focus on risk management in the real estate sector, with total credit risk-bearing business balance related to real estate at CNY 473.727 billion, down 7.38% from the previous year[26] - The non-performing loan ratio for corporate real estate loans was 3.32%, an increase of 1.93 percentage points from the previous year, but overall real estate loan risks were deemed manageable[26] - The company's focus remains on enhancing risk management measures and maintaining the stability of retail loan asset quality amidst external risks[32] Cash Flow and Financing Activities - The net cash flow from operating activities for the first nine months of 2022 was RMB 146,494 million, a significant increase of 77.82% year-on-year, primarily due to an increase in customer deposits[4] - The net cash flow from financing activities for the first nine months of 2022 was a negative RMB 269,872 million, compared to a positive RMB 26,732 million in the same period of 2021[59] - The liquidity coverage ratio for Q3 2022 averaged 150.46%, a decrease of 17.19 percentage points from the previous quarter, primarily due to increased unsecured financing outflows[64] Capital Adequacy - The company's core tier 1 capital adequacy ratio was 12.30% as of September 30, 2022, an increase of 0.15 percentage points from the end of the previous year[41] - The total capital adequacy ratio was 16.83% as of September 30, 2022, a decrease of 0.40 percentage points from the end of the previous year[41] - The company maintained a risk-adjusted return on capital (RAROC) of 28.34% (pre-tax) as of September 30, 2022, indicating a high level of profitability[40] Customer Growth - The number of retail customers reached 182 million, an increase of 5.20% from the end of last year[44] - The number of high-net-worth clients (with total assets over 500,000 RMB) grew to 4.0945 million, an increase of 11.51%[44] - The total assets under management for high-net-worth clients reached 9,760.388 billion RMB, reflecting a growth of 10.46%[44]