ZJB(SH:601860)2019-10-22 16:00Financial Performance - Net profit attributable to shareholders was RMB 1,137,804 thousand, representing a 15.22% increase year-on-year[19] - Operating income for the first nine months was RMB 3,583,164 thousand, up 22.22% from the same period last year[19] - Total operating income for Q3 2019 reached RMB 1,178,288 thousand, a 21.7% increase from RMB 967,764 thousand in Q3 2018[47] - Net profit for Q3 2019 was RMB 422,788 thousand, representing a 10.2% increase compared to RMB 383,603 thousand in Q3 2018[50] - Basic earnings per share for the first three quarters of 2019 were RMB 0.31, compared to RMB 0.30 in the same period of 2018[52] Asset and Liability Management - Total assets reached RMB 200,004,464 thousand, an increase of 3.54% compared to the end of the previous year[19] - Total liabilities amounted to RMB 186,627,967 thousand, up from RMB 180,871,617 thousand, reflecting a growth of 3.9%[34] - Total deposits increased to RMB 127,967,720 thousand, a rise of 11.5% compared to RMB 114,709,933 thousand in the previous year[34] - Total loans reached RMB 100,588,017 thousand, representing a significant increase of 15.5% from RMB 87,141,804 thousand[34] - Total equity rose to RMB 13,376,497 thousand, an increase from RMB 12,293,871 thousand in the previous year[45] Risk Management - Non-performing loans ratio remained stable, reflecting effective risk management strategies[28] - The non-performing loan ratio improved to 1.65% from 1.69% year-over-year, indicating better asset quality[35] - The company reported a loan loss provision of RMB 3,739,218 thousand, up from RMB 3,383,304 thousand, indicating proactive risk management[34] Capital and Efficiency Ratios - The weighted average return on equity decreased to 8.76%, down 0.7 percentage points from the previous year[21] - Core Tier 1 capital adequacy ratio increased to 10.69% from 9.70% in the previous year, demonstrating stronger capital position[35] - The cost-to-income ratio improved to 27.53% from 33.42%, reflecting enhanced operational efficiency[35] - Liquidity coverage ratio stood at 222.58%, indicating a strong liquidity position[38] - The net stable funding ratio was 117.51%, showing a stable funding structure[38] Cash Flow and Liquidity - Net cash flow from operating activities increased significantly to RMB 14,871,963 thousand, a 137.62% rise compared to the previous year[19] - Total cash inflow from operating activities reached RMB 32,270,209 thousand, up from 21,493,822 thousand RMB in the previous year, indicating a year-over-year increase of 50.3%[56] - Cash and cash equivalents at the end of the period increased to RMB 25,641,814 thousand, compared to RMB 22,717,708 thousand at the end of the same period last year, marking an increase of 12.5%[58] Shareholder Information - The number of shareholders reached 81,811, with the top ten shareholders holding a combined 33.05% of shares[23] Future Outlook - The company plans to expand its market presence through strategic partnerships and new product offerings in the upcoming quarters[28]