杭州银行(600926) - 2023 Q3 - 季度财报

Financial Performance - The operating income for Q3 2023 was RMB 9,076,918 thousand, representing a year-on-year increase of 3.62%[4] - The net profit attributable to shareholders for Q3 2023 was RMB 3,365,284 thousand, an increase of 25.47% compared to the same period last year[5] - The net profit attributable to shareholders after deducting non-recurring gains and losses was RMB 3,241,034 thousand, up 21.98% year-on-year[5] - The basic earnings per share for Q3 2023 was RMB 0.57, representing a year-on-year increase of 26.67%[5] - The net profit attributable to shareholders for the first three quarters of 2023 was CNY 11.692 billion, representing a growth of 26.06% year-on-year[23] - Net profit for the first nine months of 2023 was RMB 11,691,537 thousand, representing a significant increase of 26.00% from RMB 9,274,878 thousand in the same period of 2022[34] - The total comprehensive income for the first nine months was RMB 12,471,319 thousand, an increase from RMB 9,487,819 thousand, reflecting a growth of 31.00%[36] - The bank reported a total profit of RMB 13,419,774 thousand for the first nine months, an increase of 30.00% compared to RMB 10,287,660 thousand in the same period of 2022[34] Assets and Liabilities - Total assets as of the end of Q3 2023 reached RMB 1,790,144,972 thousand, a year-on-year increase of 10.74%[5] - Total assets as of September 30, 2023, reached RMB 1,790,144,972 thousand, an increase from RMB 1,616,538,051 thousand as of December 31, 2022, representing a growth of approximately 10.7%[14] - Total liabilities amounted to RMB 1,681,758,617 thousand, up from RMB 1,517,964,826 thousand, indicating an increase of about 10.8%[14] - The total equity of shareholders as of September 30, 2023, was RMB 108,386,355 thousand, compared to RMB 98,573,225 thousand at the end of 2022, reflecting a growth of approximately 9.2%[28] - The bank's total assets increased to RMB 1,200 billion, with a year-on-year growth rate of 10%[36] Cash Flow - The net cash flow from operating activities for the year-to-date period was RMB 19,767,821 thousand, a significant increase of 1,535.34% compared to the same period last year[9] - The net cash flow from operating activities for the first nine months of 2023 was RMB 19,767,821 thousand, a significant increase from RMB 1,208,791 thousand in the same period of 2022[39] - The total cash inflow from investment activities was RMB 593,323,990 thousand, up from RMB 523,988,840 thousand year-on-year, indicating a growth of approximately 13.2%[40] - The net cash flow from financing activities for the first nine months of 2023 was RMB 22,860,695 thousand, down from RMB 40,071,922 thousand in the same period of 2022, representing a decline of 43%[40] - The total cash and cash equivalents at the end of September 2023 stood at RMB 39,222,420 thousand, compared to RMB 17,168,874 thousand at the end of September 2022, showing a substantial increase[42] Loan and Deposit Growth - Total deposits increased to RMB 1,012,237,149 thousand from RMB 928,084,206 thousand, reflecting a growth of approximately 9.1%[14] - The total loan amount increased to RMB 785,226,395 thousand from RMB 702,203,386 thousand, marking a growth of approximately 11.8%[14] - The bank's total deposits reached CNY 1,012.237 billion, an increase of CNY 84.153 billion or 9.07% from the end of 2022[23] - The net increase in customer deposits and interbank deposits for the first nine months of 2023 reached RMB 84,569,431 thousand, compared to RMB 83,410,024 thousand in the same period of 2022, reflecting a growth of 1.4%[39] Asset Quality - The non-performing loan ratio improved to 0.76% as of September 30, 2023, compared to 0.77% at the end of 2022[14] - The bank's non-performing loan (NPL) ratio stood at 0.76%, a slight decrease of 0.01 percentage points compared to the end of 2022[21] - The coverage ratio for non-performing loans was 569.52%, an increase of 4.42 percentage points from the end of 2022[24] Return on Equity and Efficiency - The weighted average return on equity for Q3 2023 was 3.74%, an increase of 0.41 percentage points compared to the previous year[5] - The comprehensive diluted return on equity reached 12.48% for the first nine months of 2023, compared to 11.20% in the previous year[15] - The bank's weighted average return on equity (ROE) was 13.12%, an increase of 1.41 percentage points year-on-year[23] - The cost-to-income ratio for the first nine months of 2023 was 27.06%, compared to 25.35% in the same period of 2022[15] Investment and Other Income - The bank's interest income for the first three quarters of 2023 was CNY 17.592 billion, a year-on-year increase of 3.77%[23] - The bank's investment income from joint ventures and associates was RMB 278,960 thousand, up from RMB 230,330 thousand, showing a growth of 21.00%[34] - The bank's other comprehensive income rose to RMB 2,658,282 thousand from RMB 1,878,500 thousand, indicating an increase of about 41.5%[28]