苏州银行(002966) - 2024 Q3 - 季度财报

Financial Performance - Operating income for Q3 2024 was CNY 2,901,250 thousand, a decrease of 0.59% compared to the same period last year[3] - Net profit attributable to shareholders for Q3 2024 was CNY 1,226,794 thousand, an increase of 8.73% year-on-year[3] - Net profit attributable to shareholders after deducting non-recurring gains and losses for Q3 2024 was CNY 1,225,613 thousand, up 11.06% year-on-year[3] - The bank's basic earnings per share for the first nine months of 2024 was CNY 1.08, an increase of 9.09% year-on-year[3] - The net profit for the first nine months of 2024 was RMB 4.330 billion, representing a year-on-year increase of RMB 409 million or 10.42%[21] - The group’s operating income for the first nine months of 2024 was RMB 9.289 billion, reflecting a year-on-year increase of RMB 101 million or 1.10%[21] - The bank's total comprehensive income for the period was CNY 4.53 billion, compared to CNY 4.41 billion in the previous year, indicating a growth of approximately 2.7%[35] Assets and Liabilities - Total assets as of September 30, 2024, reached CNY 677,183,773 thousand, representing a growth of 12.52% from the end of the previous year[4] - The bank's total assets as of September 30, 2024, amount to approximately ¥317.83 billion, an increase from ¥281.14 billion as of December 31, 2023[31] - The bank's total liabilities rose to CNY 626.66 billion, an increase of 13.1% from CNY 554.18 billion in the previous year[32] - Total cash inflow from investment activities reached CNY 147,483,120,228, compared to CNY 135,020,837,660 in the prior year[37] Deposits and Loans - Loans and advances issued increased by 13.05% to CNY 317,832,571 thousand compared to the end of 2023[6] - Total deposits increased by 14.76% to CNY 427,403,964 thousand compared to the end of 2023[6] - The bank's loans and advances stood at ¥317.83 billion, compared to ¥281.14 billion in the previous year, showing a robust growth in lending[31] - The net increase in customer deposits was CNY 54.17 billion, compared to CNY 46.44 billion in the same period last year, indicating a growth of about 16.0%[36] Capital and Ratios - The capital adequacy ratio was reported at 13.86%, above the regulatory requirement of 10.5%[10] - The core Tier 1 capital adequacy ratio was 9.41%, the Tier 1 capital adequacy ratio was 10.76%, and the total capital adequacy ratio was 13.86% as of September 30, 2024[21] - The total capital increased to RMB 6.329 billion as of September 30, 2024, up from RMB 6.018 billion at the end of 2022[12] Non-Performing Loans - The non-performing loan ratio remained low at 0.84% as of September 30, 2024[10] - The non-performing loan ratio remained stable at 0.84%, consistent with the beginning of the year, while the provision coverage ratio was 473.66%[21] Cash Flow - Net cash inflow from operating activities amounted to CNY 24,202,931,226, a decrease from CNY 24,648,032,886 in the previous year[37] - Cash inflow from financing activities totaled CNY 158,834,263,949, an increase from CNY 151,115,074,197 year-over-year[38] - The ending balance of cash and cash equivalents stood at CNY 11,913,815,971, down from CNY 12,038,532,241 at the end of the previous year[38] Shareholder Information - The total number of common shareholders at the end of the reporting period is 54,180, with the largest shareholder, Suzhou International Development Group, holding 12.15% of shares, equating to 446,175,212 shares[25] - The bank's major shareholders include Jiangsu Wuzhong Education Investment Co., holding 1.36% with 49,922,593 shares, and Suzhou Sanwei Enterprise Group, holding 1.20% with 44,212,486 shares[26]