无锡银行(600908) - 2022 Q3 - 季度财报

Financial Performance - The company's operating income for Q3 2022 was CNY 1,125,420,000, representing a year-on-year increase of 6.46%[7] - The net profit attributable to shareholders for the same period was CNY 423,038,000, reflecting a 2.61% increase compared to the previous year[7] - The net profit after deducting non-recurring gains and losses was CNY 391,106,000, showing a decrease of 4.93% year-on-year[7] - Total operating revenue for the first three quarters of 2022 reached 3,461,068 thousand yuan, an increase from 3,246,080 thousand yuan in the same period of 2021, representing a growth of approximately 6.6%[34] - Net interest income for the first three quarters of 2022 was 2,612,507 thousand yuan, slightly up from 2,587,980 thousand yuan in 2021, indicating a growth of about 0.9%[34] - The net profit attributable to shareholders of the parent company for the first three quarters of 2022 was 1,443,030 thousand yuan, compared to 1,195,264 thousand yuan in 2021, reflecting an increase of approximately 20.7%[34] - The total comprehensive income for the first three quarters of 2022 was 1,446,721 thousand yuan, compared to 1,256,876 thousand yuan in 2021, marking an increase of approximately 15.1%[37] - The basic earnings per share for Q3 2022 was CNY 4.55, while the diluted earnings per share decreased by 20.00%[7] - The basic earnings per share for the first three quarters of 2022 was 0.76 yuan, up from 0.64 yuan in the same period of 2021, representing a growth of about 18.8%[37] Assets and Liabilities - The total assets at the end of the reporting period reached CNY 210,224,428,000, an increase of 4.19% from the end of the previous year[7] - The total liabilities reached RMB 193,214,838 thousand, compared to RMB 185,845,702 thousand at the end of 2021[30] - The total assets amounted to RMB 210,224,428 thousand, an increase from RMB 201,769,863 thousand as of December 31, 2021[28] - The total deposits amounted to CNY 168,351,303,000, up from CNY 156,783,803,000 at the end of 2021[19] - The total loans increased to CNY 126,997,704,000, compared to CNY 117,810,314,000 at the end of the previous year[19] Cash Flow - The net cash flow from operating activities showed a significant decline of 67.44% year-on-year[10] - The net cash flow from operating activities for the first three quarters of 2022 was 2,068,913 thousand yuan, down from 6,354,444 thousand yuan in the same period of 2021, a decrease of about 67.4%[40] - The net cash flow from investing activities for the first three quarters of 2022 was 5,301,712 thousand yuan, compared to -2,575,573 thousand yuan in 2021, indicating a significant improvement[42] - The total liabilities as of the end of the reporting period were not specified, but the company reported a net increase in cash and cash equivalents of 3,879,215 thousand yuan for the first three quarters of 2022[42] Capital and Ratios - Core Tier 1 capital net amount reached RMB 13,541,395 thousand, with a Core Tier 1 capital adequacy ratio of 9.00%[20] - The leverage ratio as of September 30, 2022, was 6.52%, up from 6.32% on December 31, 2021[21] - The weighted average return on equity was 11.12%, a decrease of 0.04 percentage points compared to the previous year[7] - The average return on total assets increased to 0.93% from 0.85% year-over-year[24] - The provision coverage ratio increased to 539.05% from 477.19% year-over-year[24] - The cost-to-income ratio improved to 26.16% from 28.77% in the previous year[24] - Non-performing loan ratio improved to 0.86% from 0.93% in the previous year[24] Future Plans - The company plans to continue expanding its market presence and investing in new technologies to enhance its service offerings in the future[36]