ZJB(SH:601860)2022-10-27 16:00Financial Performance - The company's operating revenue for Q3 2022 was CNY 1,207,872, an increase of 0.85% compared to the same period last year[7]. - Net profit attributable to shareholders for Q3 2022 reached CNY 450,823, reflecting a growth of 2.4% year-on-year[7]. - The net profit excluding non-recurring gains and losses was CNY 441,673, up by 1.23% from the previous year[10]. - Basic earnings per share for Q3 2022 was CNY 0.12, unchanged from the previous quarter, while diluted earnings per share decreased by 8.33% to CNY 0.11[10]. - Total operating income for the first three quarters of 2022 reached CNY 3,375,690, an increase from CNY 3,308,221 in the same period of 2021[37]. - Net profit for the first three quarters of 2022 was CNY 1,275,031, up from CNY 1,189,053 in the same period of 2021, marking an increase of about 7.2%[40]. - The basic earnings per share for the first three quarters of 2022 was CNY 0.35, compared to CNY 0.32 in the previous year, reflecting a growth of 9.4%[42]. Assets and Liabilities - Total assets attributable to shareholders at the end of the reporting period were CNY 223,223,825, an increase of 8.01% compared to the end of the previous year[10]. - Total assets increased to CNY 223,223,825 thousand as of September 30, 2022, up from CNY 206,666,030 thousand at the end of 2021, representing an increase of approximately 8.5%[18]. - Total liabilities rose to CNY 206,280,502 thousand, compared to CNY 190,666,834 thousand at the end of 2021, marking an increase of about 8.1%[18]. - Shareholder equity reached CNY 16,943,323 thousand, up from CNY 15,999,196 thousand, reflecting a growth of approximately 5.9%[18]. Cash Flow - The net cash flow from operating activities for the year-to-date was CNY 4,059,311, with no comparative data available for the current quarter[10]. - Cash inflow from operating activities totaled CNY 26,618,510, significantly higher than CNY 12,059,614 in the same period of 2021[44]. - Net cash flow from operating activities was $4,059,311, a decrease of $18,870,389 compared to the previous period[46]. - Cash inflow from financing activities totaled $12,583,476, significantly lower than $32,950,000 in the previous period[46]. - The net increase in cash and cash equivalents was $2,694,465, a decrease from $7,501,339 in the previous period[46]. - The ending balance of cash and cash equivalents was $13,616,931, slightly down from $13,960,369 in the prior period[46]. Shareholder Information - The total number of ordinary shareholders at the end of the reporting period was 70,514[15]. - The largest shareholder, Nanjing Zijin Investment Group Co., Ltd., held 328,129,524 shares, accounting for 8.96% of the total shares[15]. Risk Management and Quality - The non-performing loan ratio improved to 1.17% in Q3 2022 from 1.45% in 2021, indicating enhanced asset quality[23]. - The loan loss provision increased to CNY 4,809,342 thousand from CNY 4,710,311 thousand, reflecting a proactive approach to risk management[21]. Capital and Ratios - The weighted average return on equity for Q3 2022 was 2.70%, a decrease of 0.13 percentage points from the previous year[10]. - The capital adequacy ratio decreased to 14.46% as of September 30, 2022, down from 15.20% at the end of 2021[22]. - The liquidity coverage ratio stood at 118.95% as of September 30, 2022, indicating a strong liquidity position[28]. - Core Tier 1 capital net amount increased to CNY 16,644,063 thousand from CNY 15,723,599 thousand, showing a growth of approximately 5.8%[22]. - The leverage ratio increased to 7.02% as of September 30, 2022, compared to 7.24% at the end of 2021, indicating a slight reduction in leverage[27]. Deposits and Loans - The total deposits reached CNY 174,663,306 thousand, up from CNY 156,229,331 thousand, representing an increase of about 11.8%[18]. - The net increase in customer deposits and interbank deposits was CNY 19,347,849, compared to CNY 5,058,182 in the previous year, indicating a substantial growth[44]. - The company reported a net increase in loans and advances of CNY 17,881,350, compared to CNY 17,062,654 in the same period of 2021[44]. Accounting Standards - The company adopted new accounting standards starting in 2022, which may affect financial reporting[48].