青农商行(002958) - 2022 Q3 - 季度财报

Financial Performance - Operating income for Q3 2022 was 2,687,736 thousand yuan, a decrease of 8.24% compared to the same period last year[5] - Net profit for Q3 2022 was 1,058,921 thousand yuan, a decrease of 1.86% year-on-year[5] - The bank's basic earnings per share for Q3 2022 was 0.19 yuan, unchanged from the previous year[6] - The bank's net profit margin improved, with net interest income reflecting a positive trend due to increased average yield on interest-earning assets[20] - The bank's total profit for the nine months ended September 30, 2022, was RMB 2,943,673 thousand, compared to RMB 2,904,908 thousand for the same period in 2021, reflecting a slight increase[54] - The total operating income for the nine months ended September 30, 2022, was RMB 7,815,352 thousand, down 5.0% from RMB 8,229,604 thousand in the same period of 2021[51] - The total comprehensive income for the nine months ended September 30, 2022, was RMB 2,788,336 thousand, a decrease of 5.6% from RMB 2,954,196 thousand in the same period of 2021[46] Assets and Liabilities - Total assets as of September 30, 2022, reached 436,112,214 thousand yuan, an increase of 1.32% from the end of 2021[6] - The bank's total liabilities amounted to 398,978,981 thousand yuan, an increase of 0.91% from the end of 2021[6] - The bank's total assets increased to CNY 465.984 billion as of September 30, 2022, compared to CNY 460.890 billion at the end of December 2021[16] - The total liabilities of the group as of September 30, 2022, were RMB 398,978,981 thousand, up from RMB 395,388,008 thousand as of December 31, 2021, reflecting an increase of approximately 1.63%[31] Capital and Ratios - The core tier 1 capital adequacy ratio was 10.03% as of September 30, 2022, up from 9.62% at the end of 2021[13] - The non-performing loan ratio stood at 1.91% as of September 30, 2022, compared to 1.74% at the end of 2021[13] - The return on average equity (annualized) was 13.68%, down 1.40 percentage points year-on-year[6] - The bank's leverage ratio increased to 7.74% as of September 30, 2022, compared to 7.34% at the end of June 2022[16] Loans and Advances - The total loans and advances amounted to 238,389,403 thousand yuan, an increase of 2.51% from the end of 2021[6] - The bank's total loans and advances amounted to CNY 238.389 billion as of September 30, 2022, with normal loans accounting for 93.38%[17] Income and Expenses - The net interest income for the nine months ended September 30, 2022, was RMB 5,681,040 thousand, a decrease of 5.2% from RMB 5,988,017 thousand in the same period of 2021[51] - The bank's interest income for the nine months ended September 30, 2022, was RMB 12,487,820 thousand, slightly down from RMB 12,524,819 thousand for the same period in 2021, a decrease of about 0.30%[39] - The bank's interest expenses for the nine months ended September 30, 2022, were RMB 6,469,239 thousand, an increase from RMB 6,232,075 thousand in the same period of 2021[51] - The bank's total operating expenses for the nine months ended September 30, 2022, were RMB 4,839,587 thousand, a decrease from RMB 5,327,187 thousand in the same period of 2021[51] Cash Flow - The net cash inflow from operating activities for the group was CNY 28,501,545 thousand, a significant drop from CNY 44,991,679 thousand in the previous year, indicating a decline of about 36.7%[60] - The net cash outflow from operating activities was CNY 549,799 thousand, compared to a net inflow of CNY 2,717,208 thousand in the same period last year, reflecting a change of approximately 120.2%[63] - The total cash inflow from investment activities was CNY 61,430,328 thousand, down from CNY 81,167,039 thousand year-on-year, a decrease of around 24.3%[63] - The net cash flow from investment activities was CNY 9,785,156 thousand, contrasting with a net outflow of CNY 9,291,400 thousand in the previous year, showing a turnaround of approximately 205.5%[63] Other Income - The bank's other business income decreased by 55.62% year-on-year, primarily due to a reduction in leasing income[20] - The bank's minority interest profit decreased by 83.54% year-on-year, attributed to reduced net profit from village banks[20] - The bank's total investment income for the nine months ended September 30, 2022, was RMB 1,015,573 thousand, compared to RMB 1,366,017 thousand for the same period in 2021, a decline of about 25.66%[39]