2021-10-29 16:00Financial Performance - Net profit attributable to shareholders was RMB 22,341 million for Q3 2021, representing a year-on-year increase of 37.85%[5] - The group achieved a net profit attributable to shareholders of CNY 643.60 billion for the first nine months of 2021, representing a year-on-year growth of 22.10%[13] - The company reported a net profit for the period of 22,619 million, an increase from 16,474 million in the same period last year, representing a growth of 37.5%[27] - The company’s total profit amounted to 22,831 million, compared to 17,557 million, reflecting a growth of 30.0%[27] - Basic earnings per share for Q3 2021 stood at RMB 0.26, a rise of 36.84% compared to the same period last year[5] - The company reported a basic earnings per share of 0.26, compared to 0.19 in the previous year, reflecting a growth of 36.8%[28] Assets and Liabilities - As of September 30, 2021, total assets reached RMB 11,472,623 million, an increase of 7.24% compared to December 31, 2020[3] - Total liabilities were RMB 10,515,763 million, up by 7.10% from the previous year[3] - Shareholders' equity attributable to the parent company was RMB 944,346 million, reflecting an 8.97% increase year-on-year[3] - The total assets of the company amounted to RMB 11,472,623 million, up from RMB 10,697,616 million at the end of 2020[24] - The company’s total liabilities stood at RMB 10,515,763 million, an increase from RMB 9,818,988 million at the end of 2020[25] Customer Loans and Deposits - Customer loans amounted to RMB 6,465,756 million, reflecting a growth of 10.56% year-on-year[3] - Customer deposits reached RMB 6,986,659 million, an increase of 5.74% from December 31, 2020[3] - Customer loans at the end of the reporting period amounted to CNY 6,465.756 billion, reflecting a year-on-year increase of 10.56%[18] - Customer deposits reached CNY 6,986.659 billion, up 5.74% from the previous year[19] - The net increase in customer deposits was 559,516 million, a decrease from 803,192 million, representing a decline of 30.4%[29] Income and Revenue - The net interest income for the first nine months of 2021 was CNY 1,192.44 billion, an increase of 4.59% year-on-year, accounting for 59.63% of total operating income[14] - The company reported a net interest income of RMB 119,244 million for the first nine months of 2021, an increase from RMB 114,014 million in the same period of 2020[26] - The group’s commission and fee income for the first nine months of 2021 was CNY 36.149 billion, a year-on-year increase of 3.33%[15] - The net fee and commission income for the first nine months of 2021 was RMB 36,149 million, compared to RMB 34,983 million in the same period of 2020[26] Asset Quality - The non-performing loan balance was CNY 103.531 billion, with a non-performing loan ratio of 1.60%, a decrease of 0.07 percentage points from the previous year[20] - Total loans reached RMB 6,465,756 million with a non-performing loan (NPL) ratio of 1.60% as of September 30, 2021, showing a slight decrease from 1.67% at the end of 2020[22] - The company maintained stable asset quality with a slight decrease in the NPL ratio and attention loan ratio compared to the end of the previous year[22] Cash Flow - Net cash flow from operating activities for the first nine months of 2021 was RMB (136,018) million, a significant decrease compared to the previous year[5] - Cash flow from operating activities totaled 1,072,838 million, down from 1,242,841 million, indicating a decrease of 13.7%[29] - The net cash inflow from investment activities was RMB 725,947 million, a decrease from RMB 689,318 million[30] - The net cash outflow from investment activities was RMB 26,663 million, compared to RMB 123,871 million in the previous period[30] - The total cash inflow from financing activities was RMB 134,847 million, down from RMB 169,969 million[30] - The net cash inflow from financing activities was RMB 78,460 million, compared to RMB 92,063 million previously[30] Capital and Liquidity - The capital adequacy ratio stood at 15.75%, with a Tier 1 capital ratio of 13.14% and a core Tier 1 capital ratio of 10.68%[32] - The leverage ratio was reported at 7.58%, meeting regulatory requirements[35] - The average liquidity coverage ratio for Q3 2021 was 123.29%, a decrease of 2.34 percentage points from the previous quarter[36] - The liquidity coverage ratio stood at 123.29%[37] Client Base - The number of corporate clients reached 1,948,635, while the number of individual clients was 178,682,919[31]