ZJB(SH:601860)2020-10-30 16:00Financial Performance - Net profit attributable to shareholders rose by 1.83% to CNY 1,158,647,000 compared to the same period last year[19] - Operating income decreased by 2.23% to CNY 3,503,258,000 year-on-year[19] - Basic earnings per share increased by 3.23% to CNY 0.32[19] - Net profit attributable to shareholders for the third quarter increased by 90.96% to CNY 484,612 thousand, driven by gains from financial asset derecognition[26] - Total operating income for Q3 2020 was CNY 1,037,510, a decrease of 11.93% from CNY 1,178,288 in Q3 2019[42] - Net interest income for Q3 2020 was CNY 936,727, down 10.59% from CNY 1,047,668 in Q3 2019[42] - Net profit for Q3 2020 reached CNY 429,686, a slight increase of 1.42% compared to CNY 422,788 in Q3 2019[43] - The total comprehensive income for Q3 2020 was CNY 352,081, down 18.06% from CNY 429,881 in Q3 2019[43] Asset and Liability Management - Total assets increased by 8.05% year-on-year to CNY 217,525,616,000[19] - Total liabilities increased to CNY 202,930,870 thousand from CNY 187,569,515 thousand, marking a rise of 8.2%[28] - The company’s equity attributable to shareholders increased by 6.15% to CNY 14,594,746,000[19] - Total equity rose to CNY 14,594,746, an increase of 6.16% from CNY 13,749,160 in the previous year[40] - The total assets of the company amounted to CNY 201,318,675 thousand, with total liabilities at CNY 187,569,515 thousand[47] Cash Flow and Financing - Net cash flow from operating activities decreased by 28.38% to CNY 10,651,562,000 compared to the same period last year[19] - Net cash flow from operating activities for the first three quarters of 2020 was CNY 10,651,562 thousand, a decrease of 28.5% compared to CNY 14,871,963 thousand in the same period of 2019[45] - Net cash flow from financing activities was negative at CNY -6,422,853 thousand, an improvement from CNY -9,240,596 thousand in the previous year[46] - The company reported a net increase in cash and cash equivalents of CNY 4,590,975 thousand, compared to CNY 3,639,011 thousand in the same period last year[46] Deposits and Loans - Total deposits as of September 30, 2020, amounted to CNY 148,996,528 thousand, up from CNY 131,185,416 thousand, reflecting a growth of 13.6%[29] - The loan portfolio increased to CNY 117,817,997 thousand, compared to CNY 101,956,243 thousand, indicating a growth of 15.6%[29] - The net increase in loans and advances to customers was CNY 16,203,087 thousand, compared to CNY 13,538,159 thousand in the same period of 2019, reflecting a growth of 19.7%[45] - Net increase in customer deposits and interbank deposits reached CNY 19,074,131 thousand, up 66.5% from CNY 11,458,357 thousand in the previous year[45] Capital and Ratios - The capital adequacy ratio improved to 17.91% as of September 30, 2020, compared to 14.78% at the end of 2019[30] - The non-performing loan ratio remained stable at 1.68% as of September 30, 2020, unchanged from December 31, 2019[31] - The liquidity coverage ratio was reported at 139.07% as of September 30, 2020, indicating strong liquidity position[35] Shareholder Information - The number of shareholders reached 84,969 at the end of the reporting period[22] - The company issued CNY 4.5 billion convertible bonds in July 2020, which were successfully listed on the Shanghai Stock Exchange in August 2020[26] Government Subsidies and Non-Core Income - The company achieved a significant increase in government subsidies, with operating income from non-core business rising by 760.97% to CNY 35,696 thousand[26] Financial Asset Management - The company reported a significant increase of 94.19% in repurchase financial assets to CNY 17,697,914,000[24] - The company’s borrowings from the central bank increased by 403.68% to CNY 2,385,082,000[24]