成都银行(601838) - 2023 Q1 - 季度财报

Financial Performance - The total operating income for Q1 2023 was CNY 5,305,353, representing a 9.71% increase compared to CNY 4,835,777 in Q1 2022[8] - Net profit for Q1 2023 reached CNY 2,525,931, which is a 17.49% increase from CNY 2,149,996 in Q1 2022[8] - Operating income for the period was RMB 5.305 billion, a year-on-year increase of RMB 470 million, or 9.71%[21] - Net profit attributable to shareholders was RMB 2.527 billion, representing a 17.50% increase year-on-year[21] - Total comprehensive income for Q1 2023 was CNY 2,573,421, compared to CNY 1,969,620 in Q1 2022, marking a significant increase[46] - Net interest income rose to CNY 4,285,107, up 11.6% from CNY 3,840,965 year-on-year[44] - Investment income for Q1 2023 was CNY 788,026, an increase from CNY 574,711 in the previous year[44] Asset and Liability Management - The total assets as of March 31, 2023, amounted to CNY 985,145,481, reflecting a 7.36% increase from CNY 917,650,305 at the end of 2022[9] - The total liabilities increased by 7.58% to CNY 921,145,678 from CNY 856,224,024 at the end of 2022[9] - The total risk-weighted assets increased to CNY 715,846,204 thousand as of March 31, 2023, up from CNY 649,487,231 thousand at the end of 2022, representing an increase of approximately 10.2%[29] - The bank's total deposits rose to CNY 714,680,465 thousand as of March 31, 2023, compared to CNY 654,652,022 thousand at the end of 2022, reflecting an increase of approximately 9.2%[42] - The net increase in customer deposits was CNY 58,649,343, slightly up from CNY 58,337,411 in Q1 2022[48] Shareholder and Capital Information - The net asset attributable to shareholders of the parent company was CNY 63,917,177, up 4.20% from CNY 61,342,713 at the end of 2022[9] - The basic earnings per share for Q1 2023 was CNY 0.68, a 13.33% increase from CNY 0.60 in Q1 2022[9] - Basic earnings per share increased to RMB 0.68, up RMB 0.08 from the previous year[21] - The top ten shareholders collectively hold 52.55% of the total shares, with Chengdu Jiaozi Financial Holding Group being the largest shareholder at 19.999953%[18] - The bank's tier 1 capital adequacy ratio is 9.00% as of March 31, 2023, slightly down from 9.39% at the end of 2022[29] Liquidity and Cash Flow - The cash flow from operating activities showed a significant decline, with a net outflow of CNY 20,587,575, compared to a net outflow of CNY 714,887 in Q1 2022, marking a 2779.84% increase in outflow[9] - The liquidity ratio was 73.11%, demonstrating ample liquidity[21] - The liquidity coverage ratio decreased to 156.57% from 260.08% year-over-year, showing a significant decline in liquidity position[34] - The bank's total liabilities increased, with cash and cash equivalents at the end of Q1 2023 amounting to CNY 47,279,959, down from CNY 54,240,912 at the end of Q1 2022[51] - The bank issued bonds generating cash inflow of CNY 58,946,706, compared to CNY 59,616,210 in Q1 2022[51] Asset Quality - The non-performing loan ratio improved to 0.76%, down by 0.02 percentage points from the previous year[21] - The provision coverage ratio stood at 481.17%, indicating strong asset quality management[21] - The non-performing loan ratio remains low, with normal loans accounting for 98.83% of total loans as of March 31, 2023, compared to 98.76% at the end of 2022[38] - The bank continues to focus on maintaining a strong capital base while managing liquidity and asset quality effectively[29]