XIANMEN BANK(SH:601187)2023-10-30 16:00Financial Performance - For the first three quarters of 2023, the company achieved operating revenue of 4.293 billion RMB, a year-on-year decrease of 3.52%[21] - The total profit for the same period was 2.328 billion RMB, reflecting a year-on-year increase of 26.40%[21] - Net profit reached 2.142 billion RMB, up 16.11% year-on-year, with net profit attributable to shareholders of the listed company at 2.063 billion RMB, a 14.63% increase[21] - The bank's total operating income for the first nine months of 2023 was RMB 4,293,322 thousand, a decrease from RMB 4,449,756 thousand in the same period of 2022, reflecting a decline of about 3.5%[27] - The net profit for the first nine months of 2023 reached RMB 2,141,917 thousand, compared to RMB 1,844,671 thousand for the same period in 2022, reflecting a growth of approximately 16.1%[27] - The bank's investment income for the first nine months of 2023 was RMB 272,408 thousand, down from RMB 536,050 thousand in the same period of 2022, representing a decrease of approximately 49.3%[27] - Operating revenue for the third quarter of 2023 was 1,335,805 thousand RMB, down 16.25% year-on-year[62] Assets and Liabilities - The company's total assets as of September 30, 2023, amounted to 378.648 billion RMB, a 2.00% increase from the end of 2022[16] - As of September 30, 2023, total assets reached 378.648 billion RMB, a growth of 2.00% compared to the end of the previous year[51] - As of September 30, 2023, total liabilities amounted to RMB 348,773,367 thousand, a slight increase from RMB 346,464,169 thousand as of December 31, 2022[26] - Total liabilities amounted to 348.773 billion RMB, an increase of 0.67% from the end of the previous year[51] - Total customer loans and advances reached RMB 202,814,053 thousand, up from RMB 200,385,134 thousand at the end of 2022[69] - Corporate loans and advances increased to RMB 106,911,117 thousand from RMB 103,637,702 thousand at the end of 2022[69] - Total deposits decreased to RMB 196,693,831 thousand from RMB 204,869,727 thousand at the end of 2022[69] Shareholder Information - Shareholders' equity attributable to the parent company was 29.245 billion RMB, representing a 20.89% increase compared to the end of 2022[16] - The total equity attributable to shareholders of the parent company increased to RMB 29,244,625 thousand as of September 30, 2023, up from RMB 24,191,992 thousand at the end of 2022, representing an increase of approximately 21.0%[26] - The top ten shareholders held a total of 1,490,000,000 shares, accounting for 56.67% of the total shares[49] - The total equity attributable to ordinary shareholders was 8.81 RMB per share, reflecting a year-on-year increase of 7.18%[51] Risk Management and Compliance - The liquidity coverage ratio and other regulatory indicators were maintained, ensuring compliance with financial regulations[8][9] - The liquidity coverage ratio as of September 30, 2023, was 310.94%, compared to 347.74% at the end of 2022, showing a decline in liquidity[34] - The liquidity ratio improved to 102.47% from 75.22% at the end of 2022[71] - The loan-to-deposit ratio is reported at 3.11%, down from 3.34% at the end of 2022[71] - The company is actively responding to internal and external risks while promoting high-quality development strategies[20] - The company has strengthened risk prevention and asset quality control, enhancing the stability of asset quality[68] - The company's non-performing loan ratio is 0.79%, a decrease of 0.07 percentage points from the end of the previous year[68] - The provision coverage ratio stands at 393.02%, an increase of 5.09 percentage points compared to the end of last year, indicating strengthened risk compensation capacity[68] Earnings and Returns - The company reported a basic earnings per share of 0.75 RMB, an increase of 15.38% year-on-year[21] - Basic and diluted earnings per share were both 0.24 RMB, reflecting a year-on-year increase of 14.29%[46] - The weighted average return on equity increased by 0.07 percentage points to 2.77%[46] Cash Flow - The net cash flow from operating activities for the first nine months of 2023 was -20,488,571 thousand RMB, a significant decrease of 242.78% year-on-year[62] - The bank's cash and cash equivalents at the end of the reporting period were RMB 22,402,285 thousand, compared to RMB 22,958,959 thousand at the end of 2022, indicating a decrease in cash reserves[41]