长沙银行(601577) - 2024 Q3 - 季度财报

Financial Performance - Operating income for Q3 2024 reached CNY 6,428,103, an increase of 4.90% year-on-year[1] - Net profit attributable to shareholders was CNY 2,065,792, reflecting a growth of 9.72% compared to the same period last year[1] - Basic earnings per share for Q3 2024 stood at CNY 0.51, up by 8.51% from the previous year[2] - For the first three quarters of 2024, the bank achieved operating income of CNY 19.471 billion, a year-on-year increase of 3.83%[15] - The net profit attributable to shareholders of the listed company was CNY 6.187 billion, a year-on-year increase of 5.85%[15] - Basic earnings per share for the first three quarters of 2024 were CNY 1.54, compared to CNY 1.45 in the same period of 2023, showing an increase of approximately 6.21%[22] - Net profit for the first three quarters of 2024 was CNY 6,088,037, representing a 9.1% increase from CNY 5,580,829 in the previous year[28] Assets and Liabilities - Total assets as of September 30, 2024, were CNY 1,123,134,401, representing a 10.11% increase from the end of the previous year[2] - Total assets as of September 30, 2024, reached 1,080,395,270 thousand RMB, an increase from 979,584,847 thousand RMB at the end of 2023[26] - Total liabilities increased to CNY 1,044,809,329 thousand from CNY 951,713,564 thousand, representing a rise of approximately 9.79%[19] - The bank's total liabilities amounted to 1,005,992,393 thousand RMB, up from 915,034,765 thousand RMB at the end of 2023[27] - The bank's total equity reached CNY 78,325,072 thousand, up from CNY 68,319,379 thousand, reflecting an increase of about 14.66%[19] - The bank's equity increased to 74,402,877 thousand RMB, compared to 64,550,082 thousand RMB at the end of 2023[27] Cash Flow - Net cash flow from operating activities showed a significant decline, amounting to CNY -46,368,236, a decrease of 577.23% year-on-year[5] - Net cash flow from operating activities for the first three quarters of 2024 was -46,368,236 thousand RMB, compared to 9,716,027 thousand RMB in the same period of 2023[23] - The net cash flow from operating activities showed a significant decline, with a net outflow of CNY 47,823,300 compared to a net inflow of CNY 11,346,363 in the previous year[31] - The net cash flow from financing activities was 77,080,610 thousand RMB, significantly higher than 24,634,775 thousand RMB in the previous year[24] - The company issued bonds that generated CNY 296,769,107 in cash, contributing to a net cash inflow from financing activities of CNY 77,928,926[32] Deposits and Loans - The bank's total loans amounted to CNY 543,229,886, with normal loans making up 96.36% of the total[10] - The total principal of deposits absorbed was CNY 688.695 billion, an increase of CNY 29.838 billion, or 4.53% from the beginning of the year[15] - The total principal of loans and advances issued was CNY 543.230 billion, an increase of CNY 54.839 billion, or 11.23% from the beginning of the year[15] - Customer deposits increased to 684,842,993 thousand RMB, up from 655,421,310 thousand RMB year-over-year[27] Ratios and Coverage - The non-performing loan ratio was 1.16%, slightly up from 1.15% at the end of 2023[10] - The capital adequacy ratio was reported at 14.03%, a slight decrease from 14.09% at the end of the previous year[6] - The liquidity coverage ratio was 313.83%, indicating strong liquidity position[8] - The net stable funding ratio was 125.88%, showing a stable funding structure[9] - The non-performing loan ratio stood at 1.16%, with a provision coverage ratio of 314.54% and a loan-to-deposit ratio of 3.64%[15] Shareholder Information - The top ten shareholders held a total of 2,000,000,000 shares, with the largest shareholder, Changsha Finance Bureau, holding 676,413,701 shares, accounting for 16.82%[12] - The bank's total number of ordinary shareholders was 34,097 as of the end of the reporting period[11] - The bank's total number of preferred shareholders was 10, with the largest holding 8,400,000 shares, accounting for 14.00%[13] Investment Performance - The bank's investment income for the first three quarters was CNY 2,299,982 thousand, down from CNY 2,448,761 thousand, indicating a decrease of about 6.09%[21] - The company reported a total investment cash inflow of CNY 186,103,615, while cash outflow for investments was CNY 209,774,817, resulting in a net cash outflow of CNY 23,671,202[31] - Other comprehensive income after tax attributable to shareholders of the parent company was CNY 291,582 thousand, up from CNY 103,751 thousand, marking an increase of approximately 180.56%[22]