2022-10-28 16:00Financial Performance - Net profit attributable to shareholders for Q3 2022 was RMB 23,843 million, a year-on-year increase of 6.72%[3] - Operating revenue for Q3 2022 was RMB 66,690 million, showing a slight increase of 0.93% year-on-year[3] - Basic earnings per share for the first nine months of 2022 were RMB 0.28, up by 7.69% compared to the same period last year[3] - Net profit attributable to shareholders was CNY 678.83 billion, a year-on-year growth of 5.47%[13] - The net profit for the period reached 23,888 million RMB, a rise from 22,619 million RMB, indicating a growth of approximately 5.6% year-over-year[29] - The net profit for the first nine months of 2022 was RMB 61,669 million, compared to RMB 55,624 million in the same period of 2021, marking a growth of 10.8%[32] - The total comprehensive income for the period was RMB 22,813 million, compared to RMB 20,059 million in the same period of 2021, indicating an increase of 13.8%[32] Assets and Liabilities - As of September 30, 2022, total assets reached RMB 12,693,203 million, an increase of 8.81% compared to December 31, 2021[3] - Total liabilities were RMB 11,680,766 million, up by 9.28% from the previous year[3] - The total assets increased to RMB 12,693,203 million as of September 30, 2022, compared to RMB 11,665,757 million at the end of 2021[25] - The total liabilities increased to RMB 11,680,766 million from RMB 10,688,521 million at the end of 2021[26] - The equity attributable to shareholders reached RMB 999,797 million, compared to RMB 964,647 million at the end of 2021[26] - The company's total assets increased significantly, reflecting ongoing market expansion and strategic investments[31] Customer Loans and Deposits - Customer loans amounted to RMB 7,214,926 million, reflecting a growth of 9.98% year-on-year[3] - Customer deposits increased to RMB 7,887,813 million, marking a rise of 12.05% compared to the end of 2021[3] - Customer loans increased to CNY 72,149.26 billion, a growth of 9.98% from the previous year[19] - Customer deposits rose to CNY 78,878.13 billion, an increase of 12.05% year-on-year[20] - Total customer deposits increased to RMB 689,642 million in 2022 from RMB 520,433 million in 2021, reflecting a growth of approximately 32.5%[35] Cash Flow - The net cash flow from operating activities for the first nine months was RMB 89,302 million, reflecting a significant decrease of 165.65% year-on-year[5] - The cash flow from operating activities for the first nine months of 2022 was RMB 89,302 million, a significant recovery from a cash outflow of RMB 136,018 million in the same period of 2021[33] - The company's net increase in cash and cash equivalents for the period was RMB 30,491 million, recovering from a decrease of RMB 85,595 million in the same period of the previous year[34] - The company reported a net increase in cash and cash equivalents of RMB 22,011 million, bringing the total balance to RMB 183,297 million at the end of the reporting period[36] Asset Quality - The non-performing loan balance was CNY 1,019.61 billion, up 5.34% from the previous year, with a non-performing loan ratio of 1.41%[22] - The total loans reached RMB 7,214,926 million with a non-performing loan (NPL) ratio of 1.41% as of September 30, 2022, showing a decrease from 1.48% at the end of 2021[24] - The bank's non-performing loans decreased from RMB 96,796 million at the end of 2021 to RMB 101,961 million as of September 30, 2022[24] - The company maintained a provision coverage ratio of 181.54%, an increase of 15.04 percentage points from the previous year[22] Revenue Composition - Net interest income for the period was CNY 1,280.27 billion, up 7.37% year-on-year, accounting for 60.94% of total revenue[14] - Fee and commission income decreased by CNY 14.17 billion, a decline of 3.92% year-on-year, representing 16.53% of total revenue[15] - The net fee and commission income was 10,078 million RMB, down from 11,183 million RMB, representing a decrease of approximately 9.9%[29] - Total revenue for the first nine months of 2022 reached RMB 170,830 million, compared to RMB 161,858 million in 2021, reflecting an increase of 5.8%[31] Regulatory Ratios - The capital adequacy ratio as of September 30, 2022, was 14.41%, while the core tier 1 capital adequacy ratio was 12.16%[40] - The leverage ratio stood at 7.09% as of September 30, 2022, meeting regulatory requirements[42] - The liquidity coverage ratio (LCR) for the third quarter of 2022 was 126.13%, a decrease of 2.02 percentage points from the previous quarter[44] Customer Base - The total number of ordinary shareholders at the end of the reporting period was 365,052, with A-shares accounting for 333,726 of these[6] - The number of corporate customers reached 2,230,336, while the number of individual customers was 185,395,399[38]