苏州银行(002966) - 2025 Q3 - 季度财报

Financial Performance - Operating income for Q3 2025 reached RMB 2,973,541, an increase of 2.49% compared to the same period last year[5] - Net profit attributable to shareholders for Q3 2025 was RMB 1,342,724, reflecting a growth of 9.45% year-on-year[5] - The net profit for the first nine months of 2025 was RMB 4.652 billion, representing a year-on-year increase of RMB 322 million or 7.43%[27] - Net interest income rose to ¥6.51 billion, an increase from ¥5.98 billion, marking a growth of approximately 8.8% year-over-year[42] - The total comprehensive income attributable to shareholders was ¥3.19 billion, down from ¥4.38 billion, a decrease of approximately 27.2%[43] Assets and Liabilities - Total assets as of September 30, 2025, amounted to RMB 776,039,980, representing an increase of 11.87% from the end of the previous year[6] - The total liabilities increased to RMB 714.62 billion, an increase of RMB 76.16 billion or 11.93% compared to the beginning of the year[27] - The bank's net asset attributable to shareholders was RMB 59,153,099, up 11.80% compared to the end of last year[6] - The total amount of loans and advances issued is RMB 356.22 billion, reflecting growth compared to the previous period[38] - The total cash and cash equivalents at the end of the period reached CNY 18.95 billion, up from CNY 11.91 billion year-over-year[47] Loans and Deposits - The loan and advance amount reached RMB 356,224,443, marking an increase of 11.15% from the previous year-end[9] - Total deposits increased to RMB 482,422,584, a rise of 12.87% compared to the end of last year[9] - The net increase in customer deposits was ¥53.82 billion, slightly down from ¥54.17 billion in the previous year[45] Capital Adequacy and Asset Quality - The core tier 1 capital adequacy ratio stood at 9.79%, slightly up from 9.38% at the end of last year[13] - The provision coverage ratio was reported at 420.59%, indicating a stable asset quality[27] - The non-performing loan ratio remained stable at 0.83%, consistent with the previous year's figure[13] - The non-performing loan ratio remained stable at 0.83%, unchanged from the beginning of the year[27] Shareholder Information - Total number of common stock shareholders at the end of the reporting period is 65,120[32] - The largest shareholder, Suzhou International Development Group Co., Ltd., holds 15.20% of shares, totaling 679,614,894 shares[32] - The company plans to increase shareholding by at least RMB 400 million within six months starting from July 1, 2025[34] Cash Flow and Financing Activities - The net cash flow from operating activities was ¥28.07 billion, compared to ¥24.20 billion in the previous year, indicating a growth of approximately 15.5%[46] - The net cash flow from financing activities was CNY 9.90 billion, an increase from CNY 4.45 billion in the previous year[47] - The cash outflow from financing activities totaled CNY 160.14 billion, compared to CNY 154.38 billion in the previous year[47] - The net increase in cash and cash equivalents for the period was CNY 4.10 billion, a significant recovery from a decrease of CNY 773.98 million in the previous year[47] Investments - The company holds a total of RMB 187 billion in the ten largest financial bonds, primarily policy financial bonds[36] - The company’s financial investments include RMB 74.87 billion in debt investments and RMB 129.41 billion in other debt investments[38] - The company’s trading financial assets increased to RMB 86.37 billion from RMB 76.42 billion[38]