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苏州银行(002966) - 2023 Q3 - 季度财报

Financial Performance - Operating income for Q3 2023 was RMB 2,918,346 thousand, a decrease of 4.96% compared to the same period last year[3] - Net profit attributable to shareholders for Q3 2023 was RMB 1,128,308 thousand, an increase of 22.19% year-on-year[3] - Net profit attributable to shareholders after deducting non-recurring gains and losses for Q3 2023 was RMB 1,103,517 thousand, up 23.63% year-on-year[3] - The net profit for the first nine months of 2023 was RMB 3.92 billion, representing a year-on-year increase of RMB 681 million or 21.03%[18] - The group's operating income for the first nine months of 2023 was RMB 9.19 billion, reflecting a year-on-year increase of RMB 163 million or 1.81%[18] - Net interest income for the first nine months of 2023 was ¥6.39 billion, an increase from ¥6.15 billion in 2022, marking a growth of approximately 3.93%[30] - The total comprehensive income for the first nine months of 2023 was ¥4.41 billion, compared to ¥3.45 billion in the same period of 2022, reflecting a growth of about 27.73%[31] Assets and Liabilities - Total assets as of September 30, 2023, reached RMB 583,510,029 thousand, an increase of 11.24% from the end of the previous year[4] - The bank's total liabilities rose to ¥536.90 billion, compared to ¥484.09 billion in the previous year, indicating an increase of around 10.93%[28] - The total loans amounted to RMB 289.37 billion, an increase of RMB 38.74 billion or 15.46% from the beginning of the year[18] - The bank's loan and advance issuance increased by 15.73% to RMB 277,179,340 thousand compared to the end of last year[6] - Customer deposits rose by 14.54% to RMB 370,629,067 thousand compared to the end of last year[6] - The total trading financial assets amount to 63.68 billion RMB, compared to 61.55 billion RMB at the end of 2022[27] - The total debt investment is 81.75 billion RMB, down from 91.12 billion RMB at the end of 2022[27] Shareholder Information - The total number of common shareholders at the end of the reporting period is 57,173[22] - The largest shareholder, Suzhou International Development Group Co., Ltd., holds 9.60% of shares, totaling 352,000,000 shares[22] - The second-largest shareholder, Suzhou Industrial Park Economic Development Co., Ltd., holds 5.40% of shares, totaling 198,000,000 shares[22] - The bank's equity attributable to shareholders increased to ¥44.46 billion, compared to ¥38.53 billion in the previous year, representing a growth of about 15.38%[28] Cash Flow and Investment Activities - The net cash flow from operating activities for the first nine months of 2023 was RMB 24,648,033 thousand, a significant increase of 8892.88% year-on-year[3] - The net cash outflow from operating activities was CNY 56,836,297,484, a decrease from CNY 62,481,573,027 in the previous period[33] - The net cash flow used in investment activities was CNY 13,875,525,330, compared to CNY 14,285,418,518 in the prior period[33] - The cash inflow from investment activities totaled CNY 135,020,837,660, compared to CNY 249,741,114,833 in the previous period[33] - The cash outflow for the acquisition of fixed assets and intangible assets was CNY 292,043,047, slightly up from CNY 269,343,838 in the prior period[33] Risk and Capital Adequacy - The non-performing loan ratio was maintained at a low level of 0.84%[9] - The capital adequacy ratio stood at 13.15%, exceeding the regulatory requirement of 10.5%[9] - The core tier 1 capital adequacy ratio was 9.37%, while the tier 1 capital adequacy ratio was 10.84%, and the overall capital adequacy ratio was 13.15%[18] - The non-performing loan ratio stood at 0.84%, a decrease of 0.04 percentage points compared to the beginning of the year[18] - The group recorded a provision coverage ratio of 524.13%, a decrease of 6.68 percentage points from the beginning of the year[18] Miscellaneous - The liquidity coverage ratio was reported at 134.91% as of September 30, 2023[13] - The group's cash and deposits with the central bank amount to 20.37 billion RMB as of September 30, 2023[27] - The adjusted on-balance and off-balance sheet assets balance for the leverage ratio was RMB 64.84 billion as of March 31, 2023, with a leverage ratio of 7.00%[12] - The group's long-term equity investments are valued at 812.22 million RMB, an increase from 767.98 million RMB at the end of 2022[27] - The cash paid for interest, fees, and commissions was CNY 6,745,371,178, compared to CNY 6,819,142,084 in the previous period[33] - The cash paid to employees increased to CNY 2,152,281,266 from CNY 1,856,850,282 in the prior period[33]