无锡银行(600908) - 2024 Q3 - 季度财报

Financial Performance - Operating income for Q3 2024 was CNY 1,068,148,000, a decrease of 2.13% compared to the same period last year[2]. - Net profit attributable to shareholders for Q3 2024 was CNY 433,593,000, down 2.56% year-on-year[2]. - Net profit excluding non-recurring gains and losses for Q3 2024 was CNY 425,817,000, an increase of 2.23% compared to the same period last year[2]. - Basic earnings per share for Q3 2024 was CNY 0.20, a decrease of 4.76% year-on-year[3]. - The diluted earnings per share for Q3 2024 was CNY 0.20, an increase of 11.11% compared to the same period last year[3]. - Net profit for the first three quarters of 2024 was CNY 1,769,758 thousand, compared to CNY 1,682,748 thousand in the same period of 2023, reflecting an increase of about 5.2%[13]. - Total operating income for the first three quarters of 2024 was CNY 3,625,287 thousand, up from CNY 3,491,799 thousand in 2023, indicating a growth of approximately 3.8%[13]. - Total profit for the first three quarters of 2024 was RMB 1,926,286 thousand, compared to RMB 1,850,070 thousand in 2023, reflecting an increase of 4.1%[21]. - Net profit for the first three quarters of 2024 was RMB 1,762,177 thousand, up from RMB 1,670,258 thousand, indicating a growth of 5.5%[21]. Assets and Liabilities - Total assets at the end of Q3 2024 reached CNY 253,087,058,000, representing a 7.72% increase from the end of the previous year[3]. - The bank's total liabilities as of September 30, 2024, amounted to CNY 230,308,320 thousand, an increase from CNY 213,756,652 thousand as of December 31, 2023, representing a growth of approximately 7.7%[11]. - The total assets of the company reached CNY 251,937,664 thousand as of September 30, 2024, an increase from CNY 234,040,531 thousand at the end of 2023, indicating a growth of approximately 7.6%[18]. - The total liabilities of the company stood at CNY 229,317,531 thousand, up from CNY 213,006,521 thousand in the previous year, reflecting an increase of approximately 7.6%[18]. Equity and Capital - The total equity attributable to shareholders at the end of Q3 2024 was CNY 22,647,994,000, up 7.56% from the end of the previous year[3]. - The bank's equity attributable to shareholders increased to CNY 22,647,994 thousand as of September 30, 2024, compared to CNY 21,056,013 thousand at the end of 2023, reflecting a growth of about 7.5%[11]. - The company’s total equity reached CNY 22,620,133 thousand, an increase from CNY 21,034,010 thousand in the previous year, indicating a growth of approximately 7.5%[19]. - Core Tier 1 capital net amount reached CNY 19,552,677 thousand, with a Core Tier 1 capital adequacy ratio of 11.39%[28]. - The capital adequacy ratio decreased to 13.59% from 14.41% at the end of 2023[31]. Cash Flow - The net cash flow from operating activities for the year-to-date period was CNY 9,189,399,000, an increase of 19.75% compared to the same period last year[2]. - Net cash flow from operating activities increased to CNY 9,189,399 thousand in the first three quarters of 2024, up from CNY 7,673,873 thousand in the same period of 2023, representing a growth of approximately 19.7%[16]. - The net cash flow from investment activities was CNY 1,334,491 thousand, a significant improvement from a negative cash flow of CNY -5,599,697 thousand in the same period last year[16]. - The company reported a net increase in cash and cash equivalents of CNY 5,460,292 thousand, compared to CNY 1,622,269 thousand in the previous year, marking an increase of about 236.5%[17]. - Cash flow from operating activities generated a net inflow of RMB 8,863,531 thousand, compared to RMB 7,640,336 thousand in the previous year, an increase of 16.0%[24]. Loans and Deposits - Customer deposits and interbank deposits net increase amounted to CNY 19,930,015 thousand, compared to CNY 19,245,526 thousand in the previous year, reflecting a year-on-year increase of about 3.6%[16]. - The company’s loans and advances increased to CNY 146,952,771 thousand, compared to CNY 135,986,601 thousand in the previous year, representing a growth of about 8.7%[18]. - Total loans reached RMB 154,152,780 thousand, up from RMB 143,037,532 thousand, reflecting an increase of 7.8% year-on-year[27]. - Total deposits as of September 30, 2024, amounted to RMB 213,488,984 thousand, an increase from RMB 194,128,117 thousand at the end of 2023, representing a growth of 10.0%[27]. Operational Efficiency - The average return on total assets was 0.97%, slightly down from 0.99% at the end of 2023[31]. - The cost-to-income ratio improved to 27.25% from 32.19% in the previous year[31]. - The non-performing loan ratio was reported at 0.78% as of December 31, 2023[31]. - The coverage ratio for provisions was 499.28% at the end of 2023, down from 522.57%[31]. - The total amount of loans classified as normal was CNY 152,047,828 thousand, accounting for 98.63% of total loans[32]. - The total amount of loans classified as loss was CNY 212,471 thousand, representing 0.14% of total loans[32].