Financial Performance - The company's operating revenue for Q3 2021 was CNY 902,979,000, representing an increase of 18.39% compared to the same period last year[6]. - The net profit attributable to shareholders for Q3 2021 was CNY 368,231,000, reflecting a year-on-year growth of 13.82%[6]. - The net profit attributable to shareholders after deducting non-recurring gains and losses was CNY 356,567,000, up by 12.07% year-on-year[6]. - Total operating income for the first three quarters of 2021 reached CNY 2,444,999 thousand, an increase of 7.8% compared to CNY 2,266,746 thousand in the same period of 2020[33]. - Net profit attributable to shareholders of the parent company increased to CNY 887,486 thousand, a rise of 13.3% from CNY 784,080 thousand in the previous year[34]. - The bank's total comprehensive income for the first three quarters was CNY 987,322 thousand, compared to CNY 610,487 thousand in the previous year[34]. Assets and Liabilities - The total assets at the end of Q3 2021 reached CNY 137,711,691,000, marking a 6.33% increase from the end of the previous year[9]. - Total assets increased to RMB 137,711,691 thousand as of September 30, 2021, from RMB 129,516,172 thousand as of December 31, 2020, marking a growth of approximately 6.3%[28]. - The total liabilities as of September 30, 2021, were RMB 124,296,031 thousand, compared to RMB 118,262,856 thousand as of December 31, 2020, reflecting an increase of about 5.9%[29]. - Total liabilities rose to 118,324,711, reflecting an adjustment of 61,855[43]. Equity and Capital - The equity attributable to shareholders at the end of Q3 2021 was CNY 13,188,748,000, which is a 19.60% increase compared to the previous year[9]. - The total equity attributable to shareholders increased to RMB 13,188,748 thousand as of September 30, 2021, from RMB 11,027,612 thousand as of December 31, 2020, representing a growth of approximately 19.6%[29]. - The core tier 1 capital adequacy ratio was 15.45% as of September 30, 2021, compared to 14.66% as of December 31, 2020, indicating improved capital strength[21]. Earnings and Returns - The basic earnings per share for Q3 2021 was CNY 0.25, an increase of 4.17% year-on-year[8]. - The weighted average return on equity for Q3 2021 was 2.86%, a decrease of 0.22 percentage points compared to the same period last year[8]. - The average return on total assets was 0.89% for the period ending September 30, 2021, compared to 0.94% for the same period in 2020[21]. - Basic and diluted earnings per share increased to CNY 0.63, up from CNY 0.58 in the same period last year[34]. Cash Flow - The net cash flow from operating activities for the year-to-date was CNY -5,034,391,000, showing a significant decline of 415.56% year-on-year[9]. - The net cash flow from operating activities was negative at CNY -5,034,391 thousand, a decline from CNY 1,595,408 thousand in the previous year[38]. - Investment cash inflow totaled CNY 23,050,211 thousand, up from CNY 20,280,650 thousand year-on-year[38]. - The net cash flow from financing activities was CNY 3,256,797 thousand, an increase from CNY 2,424,841 thousand in the same period of 2020[39]. - The bank's cash and cash equivalents at the end of the period stood at CNY 10,224,971 thousand, compared to CNY 5,758,930 thousand at the end of the same period last year[39]. Asset Quality - The non-performing loan ratio decreased to 1.26% as of September 30, 2021, down from 1.32% as of December 31, 2020, showing enhanced asset quality[21]. - The company reported a provision coverage ratio of 251.95% as of September 30, 2021, compared to 234.41% as of December 31, 2020, indicating a strong buffer against potential loan losses[21]. Shareholder Information - The total number of ordinary shareholders at the end of the reporting period was 47,397[14].
瑞丰银行(601528) - 2021 Q3 - 季度财报