BOB(SH:601169)2022-10-28 16:00Financial Performance - Total operating income for Q3 2022 was RMB 17,447 million, an increase of 6.31% year-on-year[3] - Net profit attributable to shareholders for Q3 2022 was RMB 5,787 million, reflecting a growth of 3.34% compared to the same period last year[3] - Basic earnings per share for Q3 2022 stood at RMB 0.27, up by 3.85% year-on-year[4] - The company achieved operating income of CNY 51.39 billion, a year-on-year increase of 3.23%, and net profit attributable to shareholders of CNY 19.361 billion, up 6.48%[18] - Net profit for the first three quarters of 2022 was RMB 19,486 million, up from RMB 18,326 million in the same period of 2021, reflecting a year-on-year increase of 6.3%[28] - The bank's operating income for the first nine months of 2022 was RMB 51,390 million, up from RMB 49,783 million in 2021, representing an increase of 3.2%[28] - The bank's basic and diluted earnings per share for the first three quarters of 2022 were both RMB 0.89, compared to RMB 0.84 in the same period of 2021, reflecting a growth of 6.0%[28] Asset and Liability Management - Total assets at the end of Q3 2022 reached RMB 3,183,919 million, representing a 4.09% increase from the end of the previous year[5] - The bank's total liabilities increased to RMB 2,874,461 million as of September 30, 2022, from RMB 2,761,881 million at the end of 2021, marking a rise of 4.1%[27] - The bank's total liabilities amounted to 2,835,519 million RMB, an increase from 2,723,131 million RMB in the previous year, showing a growth of 4.1%[32] - The total risk-weighted assets amount to 2,244,828 million RMB as of September 30, 2022, compared to 2,183,756 million RMB at the end of June 2022[14] Capital and Equity - The net capital of the group as of September 30, 2022, is 328,247 million RMB, an increase from 320,322 million RMB at the end of June 2022[13] - The core Tier 1 capital as of September 30, 2022, is 231,845 million RMB, up from 228,037 million RMB at the end of June 2022[13] - The capital adequacy ratio stands at 14.62% as of September 30, 2022, down from 14.67% at the end of June 2022[14] - The total equity attributable to shareholders of the parent company increased to RMB 307,309 million as of September 30, 2022, from RMB 295,054 million at the end of 2021, a rise of 4.1%[27] - The bank's total equity increased to 305,867 million RMB as of September 30, 2022, compared to 293,844 million RMB at the end of 2021, reflecting a growth of 4.1%[32] Loan and Deposit Growth - The total loan amount was CNY 1,756.3 billion, growing by 4.96% year-on-year, with loans accounting for 55.16% of total assets, up by 0.46 percentage points[16] - Customer deposits increased to 1,894,978 million RMB as of September 30, 2022, compared to 1,718,893 million RMB in the previous year, reflecting a growth of 10.2%[32] - The net increase in customer deposits and interbank placements was 116,518 million RMB, compared to 68,941 million RMB in the same period of 2021, showing a growth of 68.0%[36] Non-Performing Loans and Risk Management - The non-performing loan ratio increased to 1.59%, up by 0.15 percentage points compared to the previous year[5] - The non-performing loan balance decreased to CNY 27.898 billion, down CNY 1.231 billion from the previous half-year, with a non-performing loan ratio of 1.59%, a decrease of 0.05 percentage points[19] - The provision coverage ratio decreased to 200.25%, down by 9.97 percentage points year-on-year[5] Cash Flow and Investment Activities - The net cash flow from operating activities for the year-to-date was RMB 19,497 million, compared to a negative figure in the same period last year[4] - Cash flow from operating activities generated a net amount of RMB 19,497 million in the first three quarters of 2022, compared to a net outflow of RMB 13,292 million in the same period of 2021[29] - The bank's investment activities generated a net cash flow of RMB 21,175 million in the first three quarters of 2022, down from RMB 33,472 million in the same period of 2021[29] Digital Transformation and Customer Growth - The company implemented a digital transformation strategy, achieving significant breakthroughs in project execution and enhancing risk management capabilities[24] - The mobile banking customer base exceeded 13 million, a year-on-year growth of 24%, with monthly active users surpassing 5.1 million[23] - The number of retail customers surpassed 27 million, with personal inclusive finance loan balances increasing by 36% year-on-year[21] - The company launched the "京萤计划 2.0" for children's financial services, serving over 300,000 families within four months of its release[22]