2023-10-27 16:00Financial Performance - Net profit attributable to shareholders of the parent company for Q3 2023 was RMB 23,127 million, a decrease of 2.98% compared to RMB 23,838 million in Q3 2022[5] - Operating income for Q3 2023 was RMB 61,734 million, down 4.62% from RMB 64,723 million in Q3 2022[5] - The group achieved a net profit attributable to shareholders of CNY 69.166 billion for the first nine months of 2023, representing a year-on-year growth of 1.88%[18] - Net profit for the first nine months of 2023 was RMB 23,114 million, compared to RMB 23,880 million for the same period in 2022, reflecting a decrease of about 3.2%[34] - Total net profit for the first nine months of 2023 was CNY 19,837 million, a decrease of 8.0% from CNY 21,560 million in the same period of 2022[35] Assets and Liabilities - As of September 30, 2023, total assets reached RMB 13,830,605 million, an increase of 6.46% compared to the adjusted figure of RMB 12,991,571 million at the end of 2022[4] - Total liabilities were RMB 12,757,638 million, up 6.69% from the adjusted figure of RMB 11,958,049 million at the end of 2022[4] - The bank's total liabilities rose to RMB 12,013,957 million, up from RMB 11,260,680 million at the end of 2022, indicating an increase of approximately 6.7%[31] - The total equity attributable to shareholders was RMB 1,061,390 million, an increase from RMB 1,022,024 million at the end of 2022[30] Customer Loans and Deposits - Customer loans amounted to RMB 7,908,271 million, reflecting an 8.41% increase from the adjusted figure of RMB 7,294,965 million at the end of 2022[4] - Customer deposits reached CNY 8,638.670 billion, up 8.68% compared to the end of the previous year[25] - Customer deposits totaled RMB 8,638,670 million, up from RMB 7,949,072 million at the end of 2022[30] - The net increase in customer deposits and interbank and other financial institution deposits was CNY 463,569 million, compared to CNY 704,434 million in the same period of 2022, indicating a decline of 34.1%[37] Non-Performing Loans - The non-performing loan balance was CNY 104.486 billion, an increase of 6.05% from the end of the previous year, with a non-performing loan ratio of 1.32%[26] - The company's non-performing loans amounted to RMB 104,486 million, with a slight decrease in the NPL ratio compared to the previous year[28] - The bank's non-performing loan ratio was reported at 1.5% as of September 30, 2023, unchanged from the previous year[35] Cash Flow - The net cash flow from operating activities for the first nine months of 2023 was RMB 7,900 million, a significant decrease of 91.15% compared to RMB 89,302 million in the same period last year[6] - Cash flow from operating activities for the first nine months of 2023 was CNY 7,900 million, a significant decrease from CNY 89,302 million in the same period of 2022[38] - Total cash inflow from operating activities was 987,345 million RMB, down from 1,061,795 million RMB[40] Income and Expenses - The net interest income for the first nine months of 2023 was CNY 124.125 billion, a decrease of 3.02% year-on-year, accounting for 62.41% of total operating income[19] - The bank reported a decrease in net fee and commission income to RMB 9,535 million in Q3 2023, down from RMB 10,120 million in Q3 2022, a decline of about 5.8%[33] - Investment income for the first nine months of 2023 was RMB 21,121 million, significantly higher than RMB 11,854 million for the same period in 2022, representing an increase of approximately 78.5%[33] - The business and management expenses for the first nine months of 2023 were CNY 60.064 billion, an increase of 4.00% year-on-year[22] Shareholder Information - The total number of ordinary shareholders as of the report date was 316,945, with 286,397 holding A shares and 30,548 holding H shares[10] - The top shareholder, the Ministry of Finance of the People's Republic of China, holds 4,553,999,999 H shares, representing 6.13% of the total shares[11] Capital and Liquidity Ratios - The capital adequacy ratio stood at 14.65%, with a core tier 1 capital ratio of 9.98%, both meeting regulatory requirements[44] - The leverage ratio was reported at 6.98%, satisfying the regulatory requirement of 0.375%[46] - The liquidity coverage ratio averaged 132.90% for the third quarter, a decrease of 3.62 percentage points from the previous quarter[48]