郑州银行(002936) - 2024 Q3 - 季度财报

Financial Performance - Operating income for Q3 2024 was RMB 2,647,790 thousand, a decrease of 25.61% year-on-year[4] - Net profit attributable to shareholders for Q3 2024 was RMB 650,271 thousand, down 7.63% compared to the same period last year[4] - Basic earnings per share for Q3 2024 was RMB 0.07, a decrease of 12.50% year-on-year[5] - The total operating income for the group for the nine months ended September 30, 2024, was RMB 9,040,856 thousand, down from RMB 10,477,814 thousand in the same period of 2023, representing a decrease of approximately 13.7%[30] - The net profit attributable to the shareholders of Zhengzhou Bank for the nine months ended September 30, 2024, was RMB 2,244,132 thousand, compared to RMB 2,750,645 thousand for the same period in 2023, a decrease of about 18.4%[30] - The net profit attributable to shareholders for the nine months ended September 30, 2024, was RMB 2,445,915 thousand, a decrease from RMB 2,877,861 thousand for the same period in 2023, representing a decline of approximately 15%[31] Assets and Liabilities - Total assets as of September 30, 2024, reached RMB 666,626,085 thousand, an increase of 5.69% from the end of 2023[6] - Total liabilities as of September 30, 2024, amounted to RMB 609,820,482 thousand, reflecting a 5.80% increase year-on-year[6] - As of September 30, 2024, the total assets of the company reached RMB 666.63 billion, an increase of 5.69% compared to the beginning of the year[19] - The total amount of loans and advances issued was RMB 383.71 billion, reflecting a growth of 6.41% year-to-date[19] - The total deposits absorbed amounted to RMB 396.91 billion, representing a 9.96% increase since the start of the year[19] - As of September 30, 2024, the total liabilities of Zhengzhou Bank amounted to RMB 609,820,482 thousand, an increase from RMB 576,394,573 thousand as of December 31, 2023, representing a growth of approximately 5.5%[27] Income and Expenses - The group's interest income was RMB 17,115,688 thousand, down from RMB 18,830,673 thousand for the same period in 2023, reflecting a decrease of approximately 9.1%[29] - The net interest income for the group for the nine months ended September 30, 2024, was RMB 7,385,398 thousand, compared to RMB 9,017,585 thousand in the previous year, a decline of about 18.2%[29] - The net interest income for the three months ended September 30, 2024, was RMB 2,089,851 thousand, down from RMB 3,091,802 thousand in the same period of 2023, indicating a decrease of about 32%[32] - The total operating expenses for the three months ended September 30, 2024, were RMB 1,956,472 thousand, compared to RMB 2,740,661 thousand in the same period of 2023, reflecting a decrease of about 28.6%[32] Risk Management - The non-performing loan ratio stood at 1.86%, a decrease of 0.01 percentage points from the beginning of the year[19] - The provision coverage ratio was reported at 166.23%, indicating a robust risk management framework[19] - The capital adequacy ratio was 12.29%, maintaining a stable and reasonable level[19] - The core tier one capital adequacy ratio was 8.97%, slightly up from 8.90% at the end of 2023[13] Cash Flow - The total cash inflow from operating activities for the group was RMB 68,503,194 thousand, compared to RMB 55,484,526 thousand in the previous year, indicating an increase of about 23.4%[36] - The net cash flow from operating activities was RMB 11,613,414 thousand, compared to RMB 11,268,546 thousand in the previous year, showing a slight increase of approximately 3.1%[36] - The net cash flow from investing activities was negative at RMB 5,521,555 thousand, an increase in outflow compared to RMB 4,001,424 thousand last year[37] - The net cash flow from financing activities was negative at RMB 8,067,981 thousand, contrasting with a positive cash flow of RMB 6,654,275 thousand in the same period last year[38] Shareholder Information - The top shareholder, Hong Kong Central Clearing (Agent) Co., Ltd., holds 2,020,252,753 H shares, representing 22.22% of the total shares[22] - Zhengzhou Investment Holding Co., Ltd. holds 608,105,180 A shares, accounting for 6.69% of the total shares, with a portion pledged[22] - No significant changes were reported among the top 10 shareholders in terms of share lending or borrowing activities during the reporting period[23]