无锡银行(600908) - 2025 Q3 - 季度财报

Financial Performance - Total revenue for the third quarter reached CNY 1,120,308,000, an increase of 4.88% compared to the same period last year[4] - Net profit attributable to shareholders was CNY 453,401,000, reflecting a growth of 4.57% year-over-year[4] - The total profit amounted to CNY 512,623,000, which is a 4.05% increase from the previous year[4] - Net profit for the first three quarters of 2025 reached CNY 1,835,410 thousand, a rise of 3.7% compared to CNY 1,769,758 thousand in the same period of 2024[16] - Basic earnings per share for the first three quarters of 2025 were CNY 0.82, compared to CNY 0.80 in the same period of 2024[17] - Total comprehensive income amounted to CNY 1,604,465 thousand, a decrease from CNY 1,815,929 thousand year-over-year[24] - The net profit for the first three quarters of 2025 was CNY 1,828,839, an increase of 3.8% compared to CNY 1,762,177 in 2024[23] Cash Flow - The net cash flow from operating activities for the year-to-date period was CNY 7,011,326,000, showing a decrease of 23.70% compared to the previous year[4] - Net cash flow from operating activities for the first three quarters of 2025 was CNY 7,011,326, a decrease of 23.8% compared to CNY 9,189,399 in the same period of 2024[18] - Net cash flow from operating activities was CNY 6,978,001 thousand, down from CNY 8,863,531 thousand in the previous year[25] - The net cash flow from investment activities for the first three quarters of 2025 was negative CNY 2,925,694, a decline from a positive CNY 1,334,491 in 2024[18] - The net cash flow from investment activities was negative at CNY -2,925,330 thousand, contrasting with a positive CNY 1,334,490 thousand in the previous year[25] Assets and Liabilities - Total assets at the end of the reporting period were CNY 277,410,695,000, representing an 8.03% increase from the end of the previous year[5] - Total assets increased to CNY 277,410,695 thousand as of September 30, 2025, up from CNY 256,801,132 thousand at the end of 2024, representing a growth of approximately 8.3%[13] - The bank's total liabilities amounted to CNY 252,940,314 thousand as of September 30, 2025, compared to CNY 233,434,958 thousand at the end of 2024, reflecting an increase of approximately 8.4%[14] - The total liabilities as of September 30, 2025, were CNY 251,786,183, up from CNY 232,406,476 at the end of 2024, indicating a growth of 8.4%[20] - Total deposits reached CNY 237,362,563 thousand, an increase from CNY 212,480,374 thousand at the end of 2024[28] Loans and Advances - The bank's loan and advance amounts reached CNY 163,435,893 thousand, up from CNY 151,214,555 thousand, marking an increase of about 8.1%[13] - Total loans increased to CNY 168,910,734 thousand, up from CNY 156,619,334 thousand at the end of 2024[28] - The net increase in loans and advances for the first three quarters of 2025 was CNY 12,841,597, compared to CNY 11,674,489 in 2024, representing a growth of 10.0%[18] Income and Ratios - Net interest income for the first three quarters of 2025 was CNY 2,610,166 thousand, slightly up from CNY 2,571,255 thousand in 2024, indicating a growth of 1.5%[16] - The capital adequacy ratio was reported at 14.03%, slightly down from 14.07% at the end of 2024[31] - The core tier 1 capital adequacy ratio stood at 11.77% as of September 30, 2025, compared to 11.79% at the end of 2024[30] - The cost-to-income ratio improved to 27.17% from 30.75% in the previous year[31] - The non-performing loan ratio remained stable at 0.78% as of September 30, 2025, unchanged from the end of 2024[31] Other Information - The weighted average return on equity was not specified but is calculated on an annualized basis[5] - Non-recurring gains and losses totaled CNY 787,000 for the quarter, with government subsidies contributing CNY 1,784,000[7] - The company has not reported any significant changes in shareholder structure or major strategic initiatives during the quarter[12] - There were no new product launches or technological advancements mentioned in the report[12]