瑞丰银行(601528) - 2025 Q3 - 季度财报

Financial Performance - Total revenue for Q3 2025 was CNY 1,097,833, a decrease of 4.41% compared to the same period last year[5] - Total profit amounted to CNY 671,147, reflecting a 14.41% increase year-over-year[5] - Net profit attributable to shareholders reached CNY 636,308, up 6.22% from the previous year[5] - Total operating income for the first three quarters of 2025 reached RMB 3,356,440 thousand, a slight increase of 1.03% compared to RMB 3,322,120 thousand in the same period of 2024[25] - The total profit for the first three quarters of 2025 was RMB 1,532,538 thousand, representing an increase of 8.96% from RMB 1,406,334 thousand in 2024[25] - Net profit for the first three quarters of 2025 reached RMB 1,514,826 thousand, compared to RMB 1,427,128 thousand in the same period of 2024, reflecting an increase of about 6.12%[31] - The net profit attributable to shareholders of the parent company was RMB 1,525,945 thousand, an increase of 5.86% from RMB 1,441,620 thousand in the previous year[26] - Earnings per share for the first three quarters of 2025 were RMB 0.78, up from RMB 0.73 in the same period of 2024[26] Assets and Liabilities - The total assets of the bank increased to CNY 230,265,090, representing a growth of 4.43% from the end of the previous year[5] - Total assets increased to RMB 224,033,424 thousand as of September 30, 2025, up from RMB 215,427,011 thousand at the end of 2024, representing a growth of approximately 3.73%[29] - Total liabilities increased to RMB 210,692,356 thousand from RMB 201,276,705 thousand year-over-year[24] - The bank's total liabilities amounted to RMB 204,920,407 thousand as of September 30, 2025, compared to RMB 196,639,040 thousand at the end of 2024, indicating a growth of about 4.6%[29] Equity and Capital - The bank's total equity increased to RMB 19,572,734 thousand from RMB 19,226,184 thousand[24] - The bank's total equity increased to RMB 19,113,017 thousand as of September 30, 2025, compared to RMB 18,787,971 thousand at the end of 2024, reflecting a growth of approximately 1.73%[30] - The capital adequacy ratio was reported at 14.05%, down from 14.87% at the end of 2024[13] - The bank's capital reserve and surplus remained unchanged at RMB 1,348,976 thousand and RMB 3,503,070 thousand respectively[24] Loans and Deposits - The bank's total loans and advances amounted to RMB 129,201,725 thousand, up from RMB 127,100,520 thousand at the end of 2024[23] - Total deposits reached CNY 170,211,461, an increase of 4.69% from CNY 162,691,518 at the end of 2024[8] - Customer deposits and interbank deposits net increase was RMB 7,216,903 thousand in the first three quarters of 2025, down from RMB 8,874,762 thousand in 2024, a decrease of approximately 18.7%[33] Profitability Ratios - The bank's basic earnings per share for the quarter was CNY 0.32, a 6.67% increase year-over-year[5] - The weighted average return on equity was 13.24%, a decrease of 0.36 percentage points compared to the previous year[5] Cash Flow - The net cash flow from operating activities improved to RMB 3,102,638 thousand, compared to a negative cash flow of RMB -3,444,193 thousand in the same period last year[27] - The bank's cash flow from operating activities generated a net amount of RMB 3,389,723 thousand in the first three quarters of 2025, a significant recovery from a net outflow of RMB -3,518,598 thousand in 2024[33] - The total cash and cash equivalents at the end of the period were RMB 6,846,836 thousand, compared to RMB 8,350,978 thousand at the end of the same period last year[28] - The ending balance of cash and cash equivalents for the first three quarters of 2025 was 6,658,390, down from 8,236,022 in 2024[34] Non-Performing Loans - The bank's non-performing loan ratio stood at 0.98%, slightly up from 0.97% at the end of 2024[11] - The bank's non-performing loan ratio remains stable, with no significant changes reported in the shareholder structure during the reporting period[21] Other Financial Metrics - The bank's financial investments in debt instruments rose to RMB 33,059,629 thousand from RMB 28,558,012 thousand[23] - The bank's interest income decreased to RMB 5,091,940 thousand in the first three quarters of 2025, down from RMB 5,206,599 thousand in 2024, a decline of approximately 2.2%[31] - The bank's investment activities resulted in a net cash outflow of RMB -983,479 thousand in the first three quarters of 2025, an improvement from a net outflow of RMB -1,133,659 thousand in 2024[33] - The company reported a net cash outflow from financing activities of RMB -2,237,623 thousand, a decrease from a net inflow of RMB 1,055,403 thousand in the previous year[28] - Other comprehensive income after tax attributable to the parent company was RMB -797,348 thousand, a significant decline from RMB 163,390 thousand in the same period of 2024[26]