无锡银行(600908) - 2023 Q3 - 季度财报

Financial Performance - The net profit attributable to shareholders after deducting non-recurring gains and losses was CNY 416,541 thousand, a decrease of 6.50% compared to the previous year, while the net profit for the year-to-date reached CNY 1,615,546 thousand, an increase of 17.41%[5] - The basic earnings per share for the quarter was CNY 0.21, down 8.70% year-on-year, while the diluted earnings per share was CNY 0.18, an increase of 12.50% compared to the previous year[5] - The weighted average return on equity was 9.64%, a decrease of 1.48 percentage points compared to the previous year, while the total assets at the end of the reporting period were CNY 233,361,668 thousand, an increase of 10.28% year-on-year[5] - Operating income for the third quarter was CNY 1,091,339 thousand, a decrease of 3.03% year-on-year, while year-to-date operating income was CNY 3,491,799 thousand, an increase of 0.89%[12] - The net profit attributable to shareholders for the third quarter was CNY 445,003 thousand, an increase of 5.19% year-on-year, with year-to-date net profit reaching CNY 1,675,879 thousand, an increase of 16.14%[12] Cash Flow and Assets - The net cash flow from operating activities was CNY 7,673,873 thousand, reflecting a significant increase of 270.91% due to adjustments in asset and liability configurations[5] - The net cash flow generated from operating activities amounted to CNY 7,673,873, compared to CNY 2,068,913 in the previous year, indicating a year-over-year increase of approximately 271.5%[28] - The net cash flow from investment activities was negative at CNY -5,599,697, a decline from a positive cash flow of CNY 5,301,712 in the previous year[28] - The net cash flow from financing activities for the third quarter of 2023 was CNY -450,652, a significant improvement from CNY -3,502,293 in the same quarter of the previous year[65] - Cash and cash equivalents at the end of the period totaled CNY 7,711,487, down from CNY 10,638,452, indicating a decrease of approximately 27.5%[29] Equity and Liabilities - Total equity attributable to shareholders at the end of the reporting period was CNY 20,669,878 thousand, an increase of 6.64% compared to the previous year[5] - Total liabilities increased to CNY 212,548,738 from CNY 192,083,292, reflecting a growth of about 10.5%[22] - The total equity attributable to shareholders rose to CNY 20,669,878, up from CNY 19,382,456, marking an increase of approximately 6.7%[22] - The total liabilities as of September 30, 2023, were RMB 211,664,078 thousand, compared to RMB 191,039,277 thousand at the end of 2022, reflecting an increase of approximately 10.83%[59] - The total equity attributable to shareholders increased to CNY 20,648,488 as of September 30, 2023, compared to CNY 19,366,685 at the end of 2022[60] Deposits and Loans - The bank's loans and advances reached CNY 135,273,215 thousand, an increase from CNY 123,067,884 thousand at the end of the previous year[21] - Net increase in customer deposits and interbank placements reached CNY 19,245,526, a significant increase from CNY 11,431,268 in the same period last year, representing a growth of approximately 68.5%[28] - The net increase in customer loans and advances was CNY 12,583,862, compared to CNY 9,485,414 in the same period last year, reflecting a growth of approximately 32.5%[28] - Total deposits as of September 30, 2023, amounted to CNY 192,026,121, up from CNY 172,683,763 at the end of 2022, indicating a growth of about 11.2%[80] - Total loans reached CNY 141,092,603 as of September 30, 2023, compared to CNY 128,609,194 at the end of 2022, representing an increase of approximately 9.7%[80] Income and Expenses - The net interest income for the first three quarters of 2023 was RMB 2,594,877 thousand, compared to RMB 2,612,507 thousand in the same period of 2022, indicating a decrease of approximately 0.67%[52] - The bank's total operating expenses for the first three quarters of 2023 were RMB 1,622,408 thousand, down from RMB 1,884,356 thousand in the same period of 2022, indicating a decrease of approximately 13.87%[52] - The bank's investment income for the first three quarters of 2023 was RMB 520,641 thousand, an increase from RMB 464,200 thousand in the same period of 2022, representing a growth of approximately 12.14%[52] - The total comprehensive income for the period was CNY 1,735,721, compared to CNY 1,430,745 in the previous year, representing an increase of about 21.3%[35] - Total operating revenue for the first three quarters of 2023 reached RMB 3,491,799 thousand, a slight increase from RMB 3,461,068 thousand in the same period of 2022, representing a growth of approximately 0.89%[52] Ratios and Performance Metrics - The core Tier 1 capital adequacy ratio as of September 30, 2023, was 11.03%, slightly up from 10.98% at the end of 2022[80] - The non-performing loan ratio improved to 0.78% as of September 30, 2023, down from 0.81% at the end of 2022[82] - The average return on total assets for the third quarter of 2023 was 1.01%, an increase from 0.97% in the previous year[82] - The diluted earnings per share increased to CNY 0.65 from CNY 0.62, showing a growth of approximately 4.8%[26] - The bank's basic earnings per share for the first three quarters of 2023 was RMB 0.77, slightly up from RMB 0.76 in the same period of 2022[53]