QILU BANK(SH:601665)2025-10-30 11:10Financial Performance - Net profit for the third quarter was RMB 1.25 billion, reflecting a year-on-year increase of 15.85%[3] - Operating income for the third quarter was RMB 3.14 billion, up 2.27% from the same period last year[3] - Total revenue for the first three quarters of 2025 reached CNY 9,923,909, an increase of 4.6% compared to CNY 9,484,825 in the same period of 2024[32] - The net profit for the first three quarters of 2025 was CNY 3,975,265, representing a 16.2% increase from CNY 3,422,764 in the same period of 2024[32] - Net profit for the first three quarters of 2025 was RMB 3,922,169, representing a 15.7% increase from RMB 3,387,774 in 2024[38] Asset and Liability Management - Total assets reached RMB 778.70 billion, an increase of 12.93% compared to the end of the previous year[12] - Total liabilities increased to CNY 725,944,129, up 13.2% from CNY 641,204,233 at the end of 2024[31] - The total assets of the company as of September 30, 2025, amounted to CNY 766,974,051, an increase of 13.7% from CNY 674,467,316 at the end of 2024[36] - The total liabilities of the company as of September 30, 2025, were CNY 715,008,927, an increase from CNY 626,995,695 at the end of 2024, representing a growth of 14.0%[37] Loan and Deposit Growth - Total loans amounted to RMB 383.01 billion, growing by 13.60% year-on-year[12] - The total deposits reached RMB 485.02 billion, an increase of 10.35% from the previous year[12] - Customer deposits reached CNY 482,620,035 as of September 30, 2025, up from CNY 435,376,342 at the end of 2024, indicating an increase of 10.8%[37] - The company's net increase in customer loans and advances for the first three quarters of 2025 was CNY 46,497,901, compared to CNY 33,445,600 in the same period of 2024, representing a growth of 39.0%[34] Risk Management - The non-performing loan ratio improved to 1.09%, a decrease of 0.10 percentage points from the end of the previous year[13] - Non-performing loans amounted to CNY 4,171,216, representing 1.09% of total loans, a slight improvement from 1.19% last year[22] - The bank's non-performing loan ratio remained stable, indicating effective risk management strategies[32] - The provision coverage ratio increased to 351.43%, up by 29.05 percentage points year-on-year[13] Capital Adequacy - Core Tier 1 capital increased to CNY 48,162,148, up CNY 8,050,900 from the previous year[15] - The Core Tier 1 capital adequacy ratio improved to 11.49%, up 0.74 percentage points from the previous year[15] - The bank's capital adequacy ratio improved to 13.5%, up from 12.8% at the end of 2024, reflecting a stronger capital position[31] - The bank's leverage ratio was reported at 5.94%, indicating a stable capital structure[18] Cash Flow and Investment - Net cash flow from operating activities for the year-to-date was RMB 24.96 billion, a significant increase of 52.21% compared to the previous year[9] - Net cash flow from operating activities for the first three quarters of 2025 reached CNY 24,964,453, an increase of 52.4% compared to CNY 16,400,989 in the same period of 2024[34] - The net cash flow from operating activities increased to RMB 23,661,283, compared to RMB 17,994,131 in the previous year, marking a growth of 31.1%[40] - The company reported a total comprehensive income of RMB 1,988,886 for the first three quarters of 2025, down from RMB 4,207,415 in 2024[39] Investment Activities - Total cash inflow from investment activities decreased to CNY 102,976,690 in 2025 from CNY 118,497,390 in 2024, reflecting a decline of 13.1%[35] - The company's net cash flow from investment activities was negative at CNY -37,573,829 for the first three quarters of 2025, worsening from CNY -30,859,171 in the same period of 2024[35] - The net cash outflow from investing activities was RMB 35,576,789, compared to RMB 30,850,571 in the previous year, indicating increased investment activity[40] Future Outlook - The bank plans to expand its market presence through strategic partnerships and technology investments in the coming quarters[32]