Financial Performance - For the third quarter of 2023, the operating income was RMB 182,471 million, a decrease of 2.14% compared to RMB 186,465 million in the same period of 2022[4] - Net profit for the third quarter was RMB 88,145 million, representing an increase of 3.21% from RMB 85,407 million year-on-year[4] - The net profit attributable to shareholders was RMB 88,110 million, up 2.63% from RMB 85,850 million in the previous year[4] - Net profit for the nine months ended September 30, 2023, was RMB 255.44 billion, representing a growth of 3.15% compared to the same period last year[18] - Net profit attributable to shareholders for the nine months ended September 30, 2023, was RMB 255,454 million, an increase from RMB 247,749 million in 2022, reflecting a growth of 3.4%[24] - Total comprehensive income for the nine months ended September 30, 2023, was RMB 258,124 million, compared to RMB 252,271 million for the same period in 2022, representing a growth of 2.9%[24] Assets and Liabilities - Total assets as of September 30, 2023, reached RMB 37,845,287 million, an increase of 9.38% from RMB 34,600,711 million at the end of 2022[5] - Total liabilities reached RMB 34.75 trillion, an increase of RMB 3.02 trillion, or 9.53% compared to the end of the previous year[17] - Total deposits amounted to RMB 27.87 trillion, up by RMB 2.85 trillion, or 11.39% year-over-year[17] - The bank's total equity reached RMB 3.10 trillion, an increase of RMB 220.88 billion, or 7.68% from the end of the previous year[18] - The bank's total equity attributable to shareholders increased to RMB 3,076,304 million as of September 30, 2023, compared to RMB 2,855,450 million as of December 31, 2022, reflecting an increase of 7.7%[27] Loans and Advances - The total amount of loans and advances issued by the group was RMB 23.66 trillion, up RMB 2.46 trillion or 11.61% from the end of the previous year[16] - The balance of housing rental loans was RMB 3,172.45 billion, an increase of RMB 750.53 billion compared to the end of the previous year, supporting over 1,600 housing rental enterprises[13] - The balance of inclusive finance loans reached RMB 2.99 trillion, an increase of RMB 639.70 billion, with 3.1 million inclusive finance loan customers[13] - The balance of agricultural loans was RMB 3.77 trillion, an increase of RMB 769.82 billion compared to the end of the previous year[14] - The balance of green loans was RMB 3.65 trillion, an increase of RMB 903.88 billion compared to the end of the previous year[14] - Loans and advances to customers increased to RMB 22,875,344 million as of September 30, 2023, compared to RMB 20,493,042 million as of December 31, 2022, marking an increase of 11.6%[25] Cash Flow - Cash flow from operating activities for the nine months ended September 30, 2023, was RMB 477,206 million, a significant decrease of 42.11% from RMB 824,265 million in the same period last year[6] - For the nine months ended September 30, 2023, the net cash flow from operating activities was RMB 477,206 million, a decrease of 42% compared to RMB 824,265 million for the same period in 2022[30] - The bank's cash and deposits with central banks decreased to RMB 2,994,874 million from RMB 3,159,296 million, a decline of 5.2%[25] - The cash and cash equivalents as of September 30, 2023, were RMB 841,116 million, a decrease from RMB 1,108,805 million at the end of the previous year, indicating a decline of 24.1%[32] Capital and Ratios - The annualized weighted average return on equity decreased by 0.95 percentage points to 12.24% as of September 30, 2023, compared to 13.19% in the same period of 2022[4] - The capital adequacy ratio was reported at 17.57%, with a Tier 1 capital ratio of 13.82% and a core Tier 1 capital ratio of 12.92%, all meeting regulatory requirements[18] - The group's tier 1 capital adequacy ratio is 13.82% as of September 30, 2023, down from 14.40% in December 2022[35] - The group's total capital adequacy ratio stands at 17.57% as of September 30, 2023, compared to 18.42% in December 2022[35] - The leverage ratio for the group is 7.73% as of September 30, 2023, exceeding the regulatory requirement of 4%[36] - The liquidity coverage ratio is 128.89% for the third quarter of 2023, a decrease of 18.07 percentage points from the second quarter of 2023[38] Shareholder Information - The total number of ordinary shareholders as of September 30, 2023, was 326,034, with H-share shareholders numbering 38,720 and A-share shareholders 287,314[7] - Central Huijin Investment Ltd. increased its A-share holdings by 18,379,960 shares, raising its ownership percentage from 57.11% to 57.12%[9] - The bank plans to distribute a total of RMB 21.42 billion in dividends for the domestic preferred shares on December 26, 2023[19] Other Financial Metrics - Basic and diluted earnings per share for the third quarter were RMB 0.35, an increase of 2.94% from RMB 0.34 in the previous year[4] - Basic and diluted earnings per share for the nine months ended September 30, 2023, was RMB 1.02, up from RMB 0.99 in the same period of 2022[24] - The net fee and commission income was RMB 94.91 billion, showing a slight increase of 0.04% year-over-year[18] - Impairment losses decreased by RMB 171.64 billion year-over-year to RMB 1,244.13 billion, with credit impairment losses at RMB 1,244.49 billion[18] - The bank reported a net income of RMB 124,449 million for the nine months ended September 30, 2023, down from RMB 141,521 million in the same period of 2022, representing a decrease of 12.1%[30]
建设银行(00939) - 2023 Q3 - 季度业绩