郑州银行(002936) - 2023 Q3 - 季度财报

Financial Performance - The operating income for Q3 2023 was RMB 3,559,444 thousand, a decrease of 14.45% compared to the same period last year[4]. - The net profit attributable to shareholders for Q3 2023 was RMB 704,012 thousand, down 19.30% year-on-year[4]. - The basic earnings per share for Q3 2023 was RMB 0.08, a decrease of 20.00% year-on-year[5]. - The group's net profit for the nine months ended September 30, 2023, was RMB 3,342,163 thousand, down from RMB 4,360,420 thousand in the same period of 2022, reflecting a decline of approximately 23.3%[34]. - The total profit for the group was RMB 3,345,512 thousand, down from RMB 4,355,769 thousand in the previous year, representing a decline of 23.2%[35]. - The net profit for the group for the nine months ended September 30, 2023, was RMB 2,848,811 thousand, a decrease of 19.6% compared to RMB 3,543,822 thousand for the same period in 2022[35]. - The net profit attributable to shareholders of the bank was RMB 2,750,645 thousand, with a decrease from RMB 3,403,445 thousand in the same period last year[35]. - The total comprehensive income for the group for the nine months was RMB 2,976,027 thousand, compared to RMB 3,750,293 thousand in the previous year, reflecting a decrease of 20.6%[37]. Assets and Liabilities - Total assets as of September 30, 2023, reached RMB 622,051,831 thousand, an increase of 5.16% from the end of 2022[7]. - The total liabilities amounted to RMB 566,450,568 thousand, reflecting a growth of 5.11% compared to the end of 2022[7]. - The group's total equity reached RMB 55,601,263 thousand as of September 30, 2023, up from RMB 52,625,236 thousand as of December 31, 2022, marking an increase of around 5.6%[33]. - The total deposits as of September 30, 2023, were RMB 363,291,631 thousand, an increase from RMB 341,797,766 thousand at the end of 2022, representing a growth of approximately 6.5%[32]. Cash Flow - The net cash flow from operating activities was RMB (552,685) thousand, a decline of 88.02% compared to the previous year[4]. - The net cash inflow from operating activities was RMB 55,484,526 thousand, up from RMB 40,202,723 thousand, indicating a growth of about 37.9%[44]. - The net cash outflow from investment activities was RMB 4,001,424 thousand, a significant decrease from a net inflow of RMB 20,897,096 thousand in the previous period[46]. - The net cash flow from financing activities for the group was RMB 6,654,275, compared to a net outflow of RMB 4,008,102 in the same period last year, indicating a significant improvement[47]. - The net increase in cash and cash equivalents was RMB 1,636,017, compared to a decrease of RMB 5,210,211 in the same period last year, showing a positive turnaround[48]. Capital and Ratios - The core tier one capital adequacy ratio increased to 9.68% as of September 30, 2023, compared to 9.29% at the end of 2022[12]. - The bank's total capital adequacy ratio rose to 13.05% as of September 30, 2023, compared to 12.72% at the end of 2022[14]. - The leverage ratio was reported at 7.75% as of September 30, 2023, slightly up from 7.69% at the end of 2022[15]. - The liquidity coverage ratio was reported at 225.04%, significantly above the regulatory requirement of 100%[16]. Investment and Loans - The bank's investment income increased by 33.92% year-on-year to CNY 903,616 thousand for the first nine months of 2023[18]. - The total loans and advances increased to RMB 353,657,644 thousand, a rise of 6.87% year-on-year[7]. - The bank's borrowing from the central bank increased by 42.51% to CNY 28,652,282 thousand compared to the end of 2022[19]. - The bank's policy-oriented sci-tech financial loans increased by 23% year-to-date, showcasing the growth in its sci-tech financial services[22]. Shareholder Information - The total number of ordinary shareholders reached 99,773, with A-share shareholders accounting for 99,723[23]. - The top 10 shareholders hold a combined 56.4% of the total shares, with the largest shareholder, Hong Kong Central Clearing Limited, holding 22.22%[24]. Strategic Initiatives - The bank has developed over 10 tailored financial products for sci-tech enterprises, enhancing its service offerings[22]. - The bank's retail business transformation is focused on enhancing customer experience and expanding consumer loan offerings[22]. - The bank approved project funding of RMB 8.6 billion and has disbursed RMB 4.2 billion to support the "guarantee delivery" initiative[20]. - The bank has supported 44 major projects with a total investment of RMB 8.2 billion during the reporting period[20].