上海银行(601229) - 2023 Q3 - 季度财报

Financial Performance - Total operating income for Q3 2023 was RMB 12,912,967, a decrease of 5.96% year-on-year[3] - Net profit attributable to shareholders of the parent company for Q3 2023 was RMB 4,509,592, an increase of 0.38% year-on-year[3] - Net profit excluding non-recurring gains and losses for Q3 2023 was RMB 4,410,454, up 0.76% year-on-year[3] - Total operating income for the first nine months of 2023 reached RMB 39,273,012 thousand, compared to RMB 41,673,295 thousand in the same period of 2022, reflecting a decrease of approximately 5.4%[27] - Net interest income was RMB 27,245,800 thousand, down from RMB 29,379,544 thousand year-over-year, indicating a decline of about 7.3%[27] - The net profit attributable to shareholders of the parent company for the first nine months of 2023 was RMB 17,344,562 thousand, slightly up from RMB 17,166,972 thousand in 2022, representing an increase of approximately 1.0%[29] - The total comprehensive income for the first nine months of 2023 was RMB 16,837,784 thousand, compared to RMB 17,087,881 thousand in the same period of 2022, reflecting a decrease of about 1.5%[30] - Basic earnings per share for the first nine months of 2023 were RMB 1.22, slightly up from RMB 1.21 in the previous year[30] Asset and Liability Management - The total assets as of September 30, 2023, reached RMB 3,059,114,383, an increase of 6.27% compared to the end of 2022[3] - The total net assets attributable to shareholders of the parent company increased by 5.03% to RMB 232,178,537 as of September 30, 2023[3] - The total assets of the group amounted to 3,059.11 billion RMB as of September 30, 2023[25] - The total amount of customer loans and advances was CNY 1,366.91 billion, growing by 4.78% year-on-year[16] - The total deposits amounted to CNY 1,665.57 billion, reflecting a growth of 5.99% compared to the end of the previous year[16] Cash Flow and Financing Activities - The net cash flow from operating activities for the first nine months of 2023 was RMB -36,359,004, a decrease of RMB 454,100,000 year-on-year[8] - Cash inflow from operating activities totaled RMB 191,669,564 thousand, compared to RMB 291,538,340 thousand in the same period of 2022, reflecting a decrease of about 34.3%[32] - Net cash flow from financing activities was $44,111,528, up from $22,950,282 in the prior period[34] - The net increase in cash and cash equivalents was $(13,786,924), compared to an increase of $11,349,700 in the previous period[34] - Total cash and cash equivalents at the end of the period stood at $45,804,112, down from $67,828,233 in the previous period[34] Risk Management - The non-performing loan ratio as of September 30, 2023, was 1.21%, slightly improved from 1.25% at the end of 2022[11] - The coverage ratio for provisions stood at 290.02%, maintaining a high level[16] - The bank's credit impairment losses decreased to RMB 10,020,322 thousand from RMB 14,423,181 thousand year-over-year, a reduction of approximately 30.5%[29] Customer and Market Growth - The number of customers reached 283,600, an increase of 3.81% compared to the end of the previous year[17] - The balance of inclusive loans was CNY 133.86 billion, a year-on-year increase of 24.84%[18] - The balance of green loans reached CNY 97.81 billion, growing by 49.63% compared to the end of the previous year[18] - The online transaction volume of "Shangyin Zhihui+" increased by 39.11% year-on-year, with active customer numbers rising by 17.10%[18] - The number of pension clients reached 1.58 million, maintaining the largest market share in Shanghai[20] Operational Efficiency - The bank's operating expenses for the first nine months of 2023 were RMB 19,544,154 thousand, compared to RMB 23,238,448 thousand in the same period of 2022, indicating a decrease of about 16.0%[28] - The number of client accounts in the agency business increased by 41.71% year-on-year as of September 2023[19] - Asset custody business scale reached 2,617.14 billion RMB, a growth of 4.78% from the end of the previous year[19] Investment Activities - Cash inflow from investment activities totaled $464,470,582, compared to $333,686,882 in the prior period[33] - Cash outflow for investment activities was $486,483,727, an increase from $355,240,413 in the previous period[33] - Cash received from the recovery of investments was $29,085,370, compared to $23,640,984 in the prior period[33] - Cash paid for interest was $35,902,020, a decrease from $29,860,817 in the previous period[33] - Cash paid for taxes amounted to $81,310,91, compared to $8,147,930 in the previous period[33] - Cash inflow from issuing debt securities was $553,160,376, compared to $540,005,298 in the prior period[34] Capital Management - The capital adequacy ratio as of September 30, 2023, was 13.13%, up from 12.74% at the end of 2022[7] - The liquidity coverage ratio as of September 30, 2023, was 166.09%, an increase from 145.62% in the previous quarter[10]