江苏银行(600919) - 2024 Q3 - 季度财报

Financial Performance - Operating income for Q3 2024 reached CNY 20,678,090, representing a year-on-year increase of 4.25%[3] - Net profit attributable to shareholders was CNY 9,504,039, reflecting a growth of 10.08% compared to the same period last year[3] - The net profit after deducting non-recurring gains and losses was CNY 9,448,740, with a year-on-year increase of 10.98%[3] - Net profit for the first three quarters of 2024 reached CNY 29,296,264, an increase of 10.3% compared to CNY 26,574,024 in the same period of 2023[28] - Interest income rose to CNY 98,182,055, up from CNY 95,068,716, reflecting a growth of 2.2% year-over-year[28] - The company's basic earnings per share for the period was CNY 0.52, reflecting a decrease of 7.41% year-on-year[3] Assets and Liabilities - Total assets as of the end of the reporting period amounted to CNY 3,856,856,211, marking a 13.32% increase from the end of the previous year[3] - Total liabilities increased significantly, with derivative financial liabilities rising by 50.90% compared to the previous year[7] - The bank's total liabilities increased to CNY 3,544,774,568, compared to CNY 3,144,245,806 at the end of 2023, marking a rise of 12.8%[24] - The bank's equity attributable to shareholders increased to CNY 302,455,347, up from CNY 250,409,988, indicating a growth of 20.8%[26] Cash Flow - The net cash flow from operating activities was negative at CNY -106,115,733, a significant decline of 259.10% compared to the previous year[3] - Net cash flow from operating activities for the first three quarters of 2024 was -4,110,732, a significant decrease compared to 192,920,118 in the same period of 2023[31] - Net cash flow from financing activities improved to 202,142,686 in 2024, reversing from a net outflow of -101,966,682 in 2023[32] - Total cash inflow from investment activities increased to 2,226,380,043 in 2024 from 1,622,168,194 in 2023, reflecting a growth of approximately 37.2%[31] - Cash outflow from investment activities rose to 2,410,670,544 in 2024, compared to 1,704,869,226 in 2023, indicating an increase of about 41.4%[31] - The total cash and cash equivalents at the end of Q3 2024 reached 83,032,518, up from 72,248,283 at the end of Q3 2023, marking an increase of approximately 14.5%[32] Risk and Capital Ratios - The weighted average return on equity (annualized) decreased to 16.68%, down by 1.12 percentage points from the previous year[3] - Core Tier 1 capital adequacy ratio was reported at 9.27%[17] - The liquidity coverage ratio stood at 126.60%[20] - The provision coverage ratio decreased to 351.03% from 389.53% year-over-year[22] - The cost-to-income ratio improved to 20.17% from 20.89% year-over-year[22] - The bank's leverage ratio increased to 7.04% from 6.64% year-over-year[18] Shareholder Information - The number of ordinary shareholders at the end of the reporting period was 122,074, with the top ten shareholders holding a total of 6.98% and 6.93% of shares respectively[9] Non-Performing Loans and Income - The non-performing loan ratio remained stable at 0.89% compared to the previous year[22] - The bank's non-performing loan ratio remained stable, reflecting effective risk management strategies[28] - The bank's fee and commission income decreased slightly to CNY 5,024,935 from CNY 5,092,055, a decline of 1.3%[28] - The bank's investment income increased significantly to CNY 11,365,921, up from CNY 9,185,901, representing a growth of 23.8%[28] - The bank's other comprehensive income after tax rose to CNY 3,186,636, compared to CNY 836,703 in the previous year, showing a substantial increase[28] Cash Management - Cash received from equity investments amounted to 30,000,000 in 2024, while cash received from issuing debt securities increased to 1,000,314,888 from 529,729,979 in 2023[31] - The net increase in customer deposits and interbank deposits was 158,500,490 in 2024, down from 365,291,999 in 2023, showing a decline of about 56.7%[31] - Cash received from interest, fees, and commissions was 90,621,232 in 2024, slightly up from 87,690,648 in 2023, reflecting a growth of approximately 2.2%[31] - The cash outflow for paying interest, fees, and commissions increased to 50,993,162 in 2024 from 40,779,793 in 2023, representing a rise of about 24.5%[31] - The impact of exchange rate changes on cash and cash equivalents was -278,056 in 2024, contrasting with a positive impact of 42,220 in 2023[32]