渝农商行(601077) - 2021 Q3 - 季度财报

Financial Performance - In Q3 2021, the company's operating income reached RMB 7,893.9 million, an increase of 11.62% year-on-year[4] - The net profit for the same period was RMB 3,065.7 million, reflecting a year-on-year growth of 14.44%[4] - The net profit attributable to shareholders was RMB 3,018.1 million, up 16.70% compared to the previous year[4] - The group achieved a net profit of RMB 8.884 billion for the first nine months of 2021, representing a year-on-year growth of 11.83%[14] - Operating revenue for the same period was RMB 23.066 billion, an increase of 9.85% compared to the previous year[14] - Basic and diluted earnings per share for Q3 2021 were RMB 0.27, up 17.39% year-on-year[4] - Basic earnings per share for the first nine months of 2021 were CNY 0.77, compared to CNY 0.68 in the same period of 2020, indicating a growth of 13.2%[21] - Net profit for the first nine months of 2021 reached CNY 8,883,636 thousand, a 11.8% increase compared to CNY 7,943,908 thousand in the same period of 2020[21] Assets and Liabilities - The total assets as of September 30, 2021, amounted to RMB 1,251,301.7 million, a 10.16% increase from the end of the previous year[4] - The total customer loans and advances reached RMB 578,396.3 million, marking a 13.88% increase year-on-year[4] - The total liabilities of the group were RMB 1,146.064 billion, a rise of 10.06% compared to the end of the previous year[15] - The total assets increased to CNY 1,251,301,651 thousand as of September 30, 2021, up from CNY 1,135,926,443 thousand at the end of 2020, representing a growth of 10.2%[20] - The bank's total liabilities increased to CNY 1,146,063,988 thousand, compared to CNY 1,041,294,362 thousand at the end of 2020, marking a growth of 10.1%[20] Capital Adequacy and Ratios - The core Tier 1 capital adequacy ratio stood at 12.26% as of September 30, 2021, compared to 11.96% at the end of 2020[11] - The leverage ratio was reported at 8.20% as of September 30, 2021, an increase from 8.08% at the end of 2020[12] - The liquidity coverage ratio was 284.39% as of September 30, 2021, indicating strong liquidity position[13] - The group’s core Tier 1 capital adequacy ratio stood at 12.26%, meeting regulatory requirements[15] - The non-performing loan ratio was 1.27%, a decrease of 0.04 percentage points from the end of the previous year[38] Income and Expenses - Net interest income reached RMB 19.837 billion, up 8.34% year-on-year, while net commission income decreased by 10.21% to RMB 1.848 billion[14] - Business and management expenses increased by 8.37% to RMB 6.046 billion[14] - Credit impairment losses rose by 9.61% to RMB 6.203 billion[14] - The bank's total operating expenses for the first nine months of 2021 were CNY 12,445,187 thousand, an increase from CNY 11,428,791 thousand, reflecting a growth of 8.9%[21] Cash Flow - The net cash flow from operating activities for the first nine months was RMB 21,075.7 million, a decrease of 69.57% year-on-year[7] - The net cash flow from financing activities for the first nine months was CNY 48,937.1 million, a significant recovery from a net outflow of CNY 40,837.6 million in the previous year[27] - The bank reported a net cash outflow from investing activities of CNY 47,307,241, compared to CNY 21,722,564 in the previous year[45] Shareholder Information - The number of common shareholders at the end of the reporting period was 254,077, with the top ten shareholders holding 54.67% of the total shares[40] - The largest shareholder, Hong Kong Central Clearing (Agent) Limited, held 2,513,336,041 shares, representing 22.13% of total shares[40]