贵阳银行(601997) - 2022 Q3 - 季度财报

Financial Performance - Operating income for Q3 2022 was CNY 4,104,885 thousand, representing a year-on-year increase of 12.40%[4] - Net profit attributable to shareholders of the parent company for the first nine months of 2022 was CNY 4,388,992 thousand, an increase of 0.88% compared to the same period last year[4] - Operating income for the period was CNY 12.068 billion, an increase of CNY 1.146 billion or 10.50% year-over-year[23] - Net profit attributable to shareholders was CNY 4.389 billion, a year-over-year increase of 0.88%[23] - Total profit for the first nine months was RMB 4,787,770 thousand, slightly down from RMB 4,840,107 thousand in the previous year, indicating a decrease of 1.1%[30] - The bank reported a total comprehensive income of RMB 4,374,184 thousand, down from RMB 4,716,499 thousand in the same period last year, a decrease of 7.3%[30] Earnings and Returns - The weighted average return on equity for the parent company's ordinary shareholders was 8.95%, down 1.34 percentage points year-on-year[4] - The basic earnings per share for the first nine months of 2022 was CNY 1.20, a decrease of 4.76% compared to the same period last year[4] - Earnings per share for the period were RMB 1.20, compared to RMB 1.26 in the previous year[30] Assets and Liabilities - Total assets as of September 30, 2022, reached CNY 639,517,172 thousand, an increase of 5.07% from the end of the previous year[4] - Total liabilities increased by 4.94% year-on-year, amounting to CNY 582,043,227 thousand[4] - As of September 30, 2022, total assets of Guiyang Bank amounted to RMB 639.52 billion, an increase from RMB 608.69 billion at the end of 2021, representing a growth of approximately 5.5%[29] - The total liabilities increased to RMB 582.04 billion from RMB 554.63 billion, reflecting a growth of about 4.9%[29] Deposits and Loans - Total deposits reached RMB 375,459,980 thousand as of September 30, 2022, compared to RMB 359,743,868 thousand at the end of 2021, reflecting an increase of approximately 4.8%[10] - Total loans amounted to CNY 274.363 billion, increasing by CNY 19.374 billion or 7.60% year-to-date, outpacing asset growth[23] - Customer deposits reached RMB 384.44 billion, up from RMB 367.43 billion, indicating an increase of approximately 4.5%[29] - The total corporate loans issued in the first three quarters reached CNY 64.705 billion, with a year-to-date growth of 9.24%, resulting in a total corporate loan balance of CNY 227.18 billion[25] Asset Quality and Risk Management - The non-performing loan ratio was reported at 1.53% as of December 31, 2021, remaining stable compared to previous periods[13] - The non-performing loan ratio stood at 1.53%, up 0.08 percentage points from the beginning of the year, but down 0.11 percentage points from the end of the second quarter[24] - The bank's non-performing loan ratio remained stable, indicating effective risk management strategies[29] - Credit impairment losses increased by 32.45% year-on-year, amounting to CNY -4,129,786 thousand, primarily due to the impact of the pandemic[9] Capital and Ratios - The capital adequacy ratio stood at 14.07% as of September 30, 2022, compared to 13.89% at the end of 2021, indicating a strengthening of capital position[12] - The bank's leverage ratio was 8.06% as of September 30, 2022, slightly up from 8.00% at the end of 2021[14] - Capital adequacy ratio was 14.07%, with a tier 1 capital ratio of 11.93% and a core tier 1 capital ratio of 10.84%, all showing increases from the beginning of the year[24] Cash Flow and Financing Activities - The net cash flow from operating activities for the first nine months was CNY -3,890,316 thousand, a decrease of 10.51% year-on-year[4] - Operating cash flow for the first nine months of 2022 was RMB 31,397,993 thousand, an increase of 10.8% compared to RMB 28,363,483 thousand in the same period of 2021[31] - The net cash flow from financing activities was RMB 5,124,495 thousand, a significant improvement from a net outflow of RMB 14,436,904 thousand in the same period of 2021[31] Customer Growth and Services - The number of retail customers reached 12.1107 million, an increase of 306,700 customers since the beginning of the year[26] - The wealth management customer base grew to 341,000, an increase of 28,900 customers, with managed assets totaling CNY 173.981 billion, up by CNY 10.475 billion or 6.41%[27] - Guiyang Bank plans to enhance its digital banking services and expand its market presence in the coming quarters[29]