瑞丰银行(601528) - 2023 Q3 - 季度财报

Financial Performance - In Q3 2023, the company's operating income reached RMB 1,004,782,000, representing a year-on-year increase of 5.08%[11] - The net profit attributable to shareholders was RMB 527,983,000, reflecting a growth of 16.99% compared to the same period last year[11] - The basic earnings per share (EPS) for the quarter was RMB 0.27, an increase of 17.39% year-on-year[11] - Total operating revenue for the first three quarters of 2023 reached RMB 2,897,157, an increase of 7.1% compared to RMB 2,705,323 in the same period of 2022[28] - The company reported a net profit of RMB 1,251,164 for the first three quarters of 2023, an increase of 16.9% compared to RMB 1,069,297 in the same period of 2022[35] - The bank's net profit margin decreased to 1.63% for the first nine months of 2023, compared to 2.16% for the same period in 2022[44] - The net profit for the current period was CNY 1,273,351 thousand, compared to CNY 1,092,050 thousand in the previous year, showing an increase of approximately 16.6%[48] Assets and Liabilities - Total assets at the end of Q3 2023 amounted to RMB 192,304,009,000, marking a 20.47% increase from the end of the previous year[12] - The total liabilities increased to RMB 175,987,436 thousand from RMB 144,446,949 thousand year-over-year[47] - The total assets as of September 30, 2023, reached CNY 188,724,501 thousand, up from CNY 156,344,340 thousand at the end of 2022, reflecting a growth of about 20.6%[52] - The total liabilities increased to CNY 172,847,738 thousand from CNY 141,592,692 thousand, representing a rise of approximately 22.0%[52] Equity and Capital - The company's total equity attributable to shareholders increased to RMB 16,048,395,000, a rise of 7.59% from the previous year[12] - The core tier 1 capital adequacy ratio stood at 12.96% as of September 30, 2023, down from 14.42% at the end of 2022[44] - The total equity attributable to shareholders of the parent company rose to RMB 16,048,395 thousand from RMB 14,916,127 thousand[47] Cash Flow - The net cash flow from operating activities for the year-to-date period increased significantly by 487.14% to RMB 17,494,923,000[11] - Net cash flow from operating activities was RMB 17,494,923, significantly up from RMB 2,979,673 in the same period of 2022[32] - The net cash flow from investment activities was negative at RMB -18,916,148, worsening from RMB -8,717,312 year-over-year[32] - The net cash flow from financing activities was CNY 3,324,184, up from CNY 2,621,957 in the same period last year, reflecting an increase of approximately 27%[60] Loans and Deposits - The company reported a significant increase in loans and advances to customers, totaling RMB 110,665,865,000, compared to RMB 99,981,767,000 in the previous period[26] - Total deposits reached RMB 142,861,324 thousand as of September 30, 2023, up from RMB 123,672,286 thousand at the end of 2022, representing a growth of 15.5%[42] - Total loans amounted to RMB 113,833,821 thousand, an increase from RMB 102,895,593 thousand in the previous year, reflecting a growth of 10.9%[42] Income and Expenses - Total operating expenses for the first three quarters of 2023 were RMB 1,647,189, an increase of 6.2% from RMB 1,551,390 in the previous year[28] - Net interest income decreased to RMB 2,312,223, down 2.0% from RMB 2,360,376 year-over-year[28] - Interest income rose to CNY 5,004,396 thousand, up from CNY 4,521,470 thousand, indicating an increase of approximately 10.7%[52] - Interest expenses increased to CNY 2,789,115 thousand from CNY 2,252,824 thousand, marking a rise of about 23.8%[52] Other Financial Metrics - The weighted average return on equity (ROE) was 13.36%, up by 0.68 percentage points from the previous year[11] - The non-performing loan ratio improved to 0.98% from 1.08% year-over-year[44] - The bank's cost-to-income ratio improved to 30.66% from 33.30% year-over-year[44] - The company experienced a significant increase in fair value gains, reporting RMB 203,604 compared to RMB 58,383 in the previous year[35]