Financial Performance - Net profit for Q3 2021 was RMB 1.46 billion, reflecting a growth of 5.6% compared to Q3 2020[4] - The net profit attributable to shareholders was RMB 1.41 billion, an increase of 4.8% year-on-year[4] - Net profit for the nine months ended September 30, 2021, was RMB 4.216 billion, an increase of RMB 212 million or 5.3% year-on-year[22] - Operating income reached RMB 11.188 billion, up RMB 1.301 billion or 13.2% from the same period last year[22] - The bank's total comprehensive income attributable to shareholders was CNY 4,228,917 for the nine months ended September 30, 2021, compared to CNY 3,818,022 in 2020, an increase of 10.8%[35] - Net interest income for the nine months ended September 30, 2021, was CNY 8,639,138, an increase of 5.5% from CNY 8,189,591 in the same period of 2020[30] - The bank's investment income for the nine months ended September 30, 2021, was CNY 1,309,290, up from CNY 1,130,535 in the same period of 2020, reflecting a growth of 15.8%[30] Assets and Liabilities - Total assets reached RMB 612.74 billion, an increase of 9.1% compared to the end of 2020[3] - The bank's total liabilities reached RMB 564.00 billion, an increase of 8.5% compared to the end of 2020[3] - Customer deposits amounted to RMB 336.57 billion, up RMB 22.07 billion or 7.0% from the end of the previous year[22] - Total customer loans and advances amounted to RMB 314.51 billion, up 11.0% year-on-year[3] - The bank's total equity increased to CNY 48,737,693 as of September 30, 2021, compared to CNY 41,994,214 as of December 31, 2020, marking a growth of 16.5%[29] Capital and Ratios - The core tier 1 capital adequacy ratio was 9.25%, up from 8.39% at the end of 2020[9] - The capital adequacy ratio was 12.88%, up 0.34 percentage points from the end of the previous year, meeting regulatory requirements[22] - The bank's cost-to-income ratio was 19.60%, an increase of 1.63 percentage points compared to the same period last year[22] Cash Flow and Investments - The bank's operating cash flow for Q3 2021 was RMB 10.93 billion, a decrease of 21.5% year-on-year[4] - The net cash flow from operating activities decreased by 141.0% to (10,109,419) thousand RMB, primarily due to increased credit issuance and adjustments in liability structure[13] - Total cash inflow from investment activities was RMB 49,914,510 thousand, an increase from RMB 46,156,734 thousand year-over-year[37] - Cash outflow for investment activities was RMB 58,207,488 thousand, down from RMB 65,335,446 thousand in the previous year[37] - Net cash flow from financing activities was RMB 20,891,615 thousand, a significant improvement from a negative RMB 2,486,004 thousand in 2020[37] Shareholder Information - The number of ordinary shareholders reached 83,129, with A-share shareholders accounting for 81,997[15] - The top ten shareholders held a total of 1,118,730,819 shares, representing 32.20% of the total share capital[16] - The bank plans to publicly issue no more than RMB 13 billion of A-share convertible bonds, which has been approved by relevant authorities[23] Non-Performing Loans and Impairments - Non-performing loan balance was RMB 4.163 billion, an increase of RMB 600 million from the end of the previous year, with a non-performing loan ratio of 1.33%[22] - The bank's credit impairment losses for the nine months ended September 30, 2021, were CNY 3,537,631, compared to CNY 2,944,511 in the same period of 2020, representing an increase of 20.1%[30]
重庆银行(601963) - 2021 Q3 - 季度财报