浙商银行(601916) - 2022 Q3 - 季度财报

Financial Performance - Net profit attributable to shareholders for Q3 2022 was RMB 4,563 million, a 22.43% increase compared to the same period last year[4] - The net profit attributable to shareholders was RMB 11.54 billion, reflecting a year-on-year increase of RMB 959 million or 9.07%[14] - The net profit attributable to shareholders for the first three quarters of 2022 was RMB 11,537 million, compared to RMB 10,578 million in the same period of 2021, indicating a growth of approximately 9.1%[31] - The total comprehensive income for the first three quarters of 2022 was RMB 11,535 million, compared to RMB 11,151 million in the same period of 2021, showing an increase of approximately 3.4%[33] - The bank's basic earnings per share for the first three quarters of 2022 was RMB 0.50, up from RMB 0.46 in the same period of 2021[33] Assets and Liabilities - Total assets reached RMB 2,543,151 million, an increase of 11.21% compared to the end of 2021[3] - Total liabilities increased to RMB 2,380,346 million, up by 12.29% from the previous year[3] - As of the reporting period, the total assets of the group reached RMB 2,543.15 billion, an increase of RMB 256.43 billion or 11.21% compared to the end of the previous year[14] - The total liabilities increased to RMB 2,380.35 billion, up by RMB 260.51 billion or 12.29% from the previous year[14] - As of September 30, 2022, total liabilities amounted to RMB 2,380,346 million, an increase from RMB 2,119,840 million as of December 31, 2021, representing a growth of approximately 12.3%[25] Loans and Advances - Total loans and advances amounted to RMB 1,506,280 million, reflecting an 11.80% growth year-on-year[3] - The total loans and advances amounted to RMB 1,506.28 billion, increasing by RMB 159.04 billion or 11.80% year-on-year[14] Deposits - Customer deposits rose to RMB 1,721,516 million, marking a significant increase of 21.60%[3] - The bank's deposits increased significantly, with net increase in deposits amounting to RMB 301,143 million for the first nine months of 2022, compared to RMB 24,323 million in the same period of 2021[36] Income and Expenses - Non-interest income accounted for 23.64% of total operating income, an increase of 1.66 percentage points year-on-year[4] - The net interest income was RMB 35.44 billion, an increase of RMB 4.46 billion or 14.39% year-on-year[14] - Net interest income for the period from January 1 to September 30, 2022, was RMB 35,437 million, up from RMB 30,978 million in the same period of 2021, reflecting an increase of about 14.9%[28] - Total operating income for the first nine months of 2022 reached RMB 47,717 million, an increase from RMB 40,416 million in the same period of 2021, marking a rise of about 18.5%[30] - The bank's operating expenses for the first three quarters of 2022 were RMB 33,602 million, compared to RMB 27,834 million in the same period of 2021, reflecting an increase of approximately 20.7%[30] Capital Adequacy - The bank's core tier 1 capital adequacy ratio stood at 8.05%, slightly up from 8.00% at the end of 2021[6] - The total capital adequacy ratio was 11.67%, down from 12.89% at the end of 2021[6] - The capital adequacy ratio was 11.67%, down by 1.22 percentage points from the end of the previous year[15] Non-Performing Loans - The non-performing loan balance was RMB 22.14 billion, an increase of RMB 1.47 billion or 7.12% compared to the end of the previous year[15] - The non-performing loan ratio stood at 1.47%, a decrease of 0.06 percentage points from the previous year[15] Cash Flow - The cash flow from operating activities was RMB 123.09 billion, a significant recovery from a negative cash flow of RMB 30.30 billion in the same period last year[17] - The bank's net cash inflow from operating activities for the first nine months of 2022 was RMB 445,782 million, compared to RMB 201,826 million in the same period of 2021, indicating a substantial increase[36] - The net cash flow from operating activities for the period from January 1 to September 30, 2022, was RMB 123,088 million, compared to a net outflow of RMB 30,303 million in the same period of 2021[40] - The total cash outflow from operating activities was RMB 322,694 million, compared to RMB 232,129 million in 2021[40] Investment Activities - The total cash inflow from investment activities was RMB 947,855 million, down from RMB 1,620,688 million in the previous year[43] - The net cash flow used in investment activities was RMB (72,127) million, compared to RMB (32,791) million in 2021[43] - The cash inflow from the recovery of investments was RMB 928,460 million, significantly lower than RMB 1,605,759 million in the previous year[43] Financing Activities - Cash inflow from financing activities was RMB 232,388 million, a decrease from RMB 335,412 million in the same period of 2021[46] - The net cash flow used in financing activities was RMB (64,203) million, contrasting with a net inflow of RMB 13,453 million in the previous year[46] Cash and Cash Equivalents - The cash and cash equivalents at the end of the period were RMB 79,414 million, compared to RMB 62,155 million at the end of September 2021[46] - The impact of exchange rate changes on cash and cash equivalents was RMB 1,831 million, compared to a negative impact of RMB (325) million in the previous year[46]