西安银行(600928) - 2024 Q3 - 季度财报

Financial Performance - The company's operating income for Q3 2024 was CNY 1.907 billion, representing a year-on-year increase of 17.98%[3] - The net profit attributable to ordinary shareholders of the parent company was CNY 590.177 million, a year-on-year increase of 3.07%[3] - The basic earnings per share for Q3 2024 was CNY 0.13, unchanged from the previous quarter[3] - Net interest income for the nine months ended September 30, 2024, was RMB 3,904,394 thousand, a decrease of 3.0% from RMB 4,025,795 thousand in the same period of 2023[20] - Total operating income increased to RMB 5,528,823 thousand, up 9.7% from RMB 5,040,594 thousand year-on-year[20] - The net profit for the nine months ended September 30, 2024, was RMB 1.93 billion, reflecting a slight increase of 1.1% from RMB 1.91 billion in the previous year[28][29] Asset and Liability Management - The total assets of the company reached CNY 449.744 billion, an increase of CNY 17.543 billion or 4.06% compared to the end of the previous year[8] - The company's total liabilities amounted to CNY 417.042 billion, an increase of CNY 15.767 billion or 3.93% compared to the end of the previous year[8] - Total assets increased to ¥449,743,955 thousand as of September 30, 2024, up from ¥432,201,362 thousand on December 31, 2023, representing a growth of 4.0%[9] - Total liabilities rose to ¥417,042,100 thousand, compared to ¥401,275,149 thousand, marking an increase of 3.0%[18] - The bank's total liabilities amounted to RMB 410.90 billion, up 3.9% from RMB 395.53 billion at the end of 2023[26] Capital Adequacy and Quality - The capital adequacy ratio was 12.26%, while the core tier one capital adequacy ratio was 9.98%[8] - Core Tier 1 capital net amount reached ¥31,241,900 thousand, up from ¥29,721,582 thousand, reflecting a growth of 5.1%[10] - The capital adequacy ratio decreased to 12.26% from 13.14%, showing a decline in capital strength[11] - The provision coverage ratio decreased to 186.30% from 197.07%, suggesting a reduction in the buffer against potential loan losses[12] - The bank's equity attributable to shareholders reached RMB 32.62 billion, an increase of 5.7% from RMB 30.85 billion at the end of 2023[26] Loan Quality and Risk Management - The non-performing loan ratio was 1.64%, an increase of 0.29 percentage points from the end of the previous year[8] - The non-performing loan ratio increased to 1.64% from 1.35%, indicating a deterioration in asset quality[12] - The bank's credit impairment losses for the nine months were RMB 2.25 billion, an increase of 37.7% compared to RMB 1.63 billion in the same period last year[28][29] Cash Flow and Liquidity - The company reported a net cash flow from operating activities of CNY (5.862) billion for the first nine months of 2024[3] - The bank's net cash flow from operating activities showed a significant outflow of RMB 5,861,621 thousand compared to an inflow of RMB 11,341,601 thousand in the same period last year[23] - Cash inflow from financing activities increased to RMB 76,456,375 thousand in 2024, up from RMB 65,117,065 thousand in 2023, representing a growth of about 35.8%[32] - Net cash flow from financing activities improved to RMB 1,135,531 thousand in 2024, recovering from a negative RMB (2,870,166) thousand in 2023[32] - The ending balance of cash and cash equivalents decreased to RMB 24,880,307 thousand in 2024 from RMB 27,292,531 thousand in 2023, a reduction of approximately 5.4%[32] Deposits and Funding - The total deposits reached CNY 314.371 billion, an increase of CNY 20.585 billion or 7.01% compared to the end of the previous year[8] - Total deposits increased to ¥314,370,809 thousand from ¥293,786,396 thousand, a rise of 7.0%[9] - The bank's customer deposits increased to RMB 319.84 billion, a rise of 6.7% from RMB 299.91 billion as of December 31, 2023[26] - The bank's net increase in deposits reached RMB 20,584,413 thousand, a substantial rise from RMB 7,910,678 thousand in the same period of 2023[23] Investment Activities - Investment activities generated a net cash outflow of RMB 745,488 thousand, contrasting with a net inflow of RMB 1,147,025 thousand in the previous year[24] - Cash inflow from investment activities decreased to RMB 29,327,182 thousand in 2024 from RMB 49,037,568 thousand in 2023, a decline of approximately 40.2%[32] - Cash outflow for investment activities totaled RMB (30,024,523) thousand in 2024, down from RMB (46,033,243) thousand in 2023, indicating a decrease of about 34.7%[32] - The bank issued bonds that generated cash inflow of RMB 76,456,375 thousand, an increase from RMB 65,117,065 thousand in the same period last year[24]