江阴银行(002807) - 2025 Q3 - 季度财报

Financial Performance - Total operating income for Q3 2025 was RMB 802,693,000, a decrease of 4.88% year-on-year[8] - Net profit attributable to shareholders for Q3 2025 was RMB 432,362,000, an increase of 7.52% year-on-year[8] - Investment income increased by 53.71% year-on-year to RMB 931,914 thousand, primarily due to higher bond investment returns[22] - Net profit for the period was CNY 1,257,893 thousand, up from CNY 1,126,067 thousand, reflecting an increase of about 11.7%[50] - Net interest income rose to CNY 2,140,353 thousand compared to CNY 2,114,529 thousand, marking a growth of 1.2%[50] - Total operating income increased to CNY 3,203,813 thousand from CNY 3,017,761 thousand, a rise of approximately 6.2%[50] - Basic earnings per share improved to CNY 0.5194 from CNY 0.4641, reflecting an increase of approximately 11.9%[50] Assets and Liabilities - The total assets as of September 30, 2025, were RMB 208.042 billion, an increase of 3.90% from the beginning of the year[8] - The bank's total liabilities reached CNY 188,650,893 thousand, up from CNY 181,373,359 thousand, indicating an increase of about 4.2%[47] - The total adjusted on-balance and off-balance sheet assets amounted to CNY 232,583,387 thousand as of September 30, 2025[34] - The total risk-weighted assets increased to CNY 13,893,214.18 thousand as of September 30, 2025, compared to CNY 12,029,690.82 thousand as of December 31, 2023, reflecting a growth of 15.5%[32] Deposits and Loans - Total deposits reached RMB 165.073 billion, an increase of RMB 13.247 billion or 8.73% from the beginning of the year[12] - Total loans amounted to RMB 131.957 billion, an increase of RMB 7.828 billion or 6.31% from the beginning of the year[12] - The total deposits reached RMB 165,073,479 thousand, an increase of 8.19% compared to the end of 2024[26] - The total loans amounted to RMB 131,957,134 thousand, reflecting a growth of 6.95% from the end of 2024[26] Risk and Capital Adequacy - The capital adequacy ratio stood at 14.92%, exceeding the regulatory requirement of 10.5%[27] - The non-performing loan ratio stood at 0.85%, a decrease of 0.01 percentage points from the beginning of the year[14] - The non-performing loan ratio was 0.85%, remaining well below the regulatory limit of 5%[27] - Core Tier 1 capital increased to CNY 1,912,729.55 thousand as of September 30, 2025, up from CNY 1,576,229.87 thousand as of December 31, 2023, representing a growth of 21.4%[32] - The total capital adequacy ratio decreased to 14.92% as of September 30, 2025, compared to 15.22% as of December 31, 2024[32] - The leverage ratio stood at 8.23% as of September 30, 2025, slightly down from 8.40% as of December 31, 2024[34] Cash Flow and Financing Activities - The net cash flow from operating activities was negative at RMB -3,410,713 thousand, a decline of 188.95% compared to the same period last year[24] - The operating cash outflow increased significantly by 505.22% to RMB 15,905,187 thousand, indicating a substantial rise in cash flow activities[24] - Cash inflow from investment activities was 34,583,148, down from 38,906,468, showing a decrease in investment returns[52] - Net cash flow from investment activities improved to 4,799,707 from -2,141,224, indicating a positive turnaround in investment performance[52] - Cash outflow from financing activities decreased to 495,322 from 4,184,125, indicating reduced financing costs[52] - The bank did not issue bonds this quarter, compared to 2,009,582 in the previous period, indicating a shift in financing strategy[52] Shareholder Information - The total number of common shareholders reached 45,583 as of the reporting period[41] - Jiangsu Jiangnan Water Co., Ltd. holds 5.76% of shares, making it the largest shareholder[41] Future Outlook - The bank aims to focus on rural revitalization, industrial cluster development, and wealth management in the future[15] Audit Status - The financial report for the third quarter was not audited, which may affect the reliability of the reported figures[53]