宁波银行(002142) - 2023 Q1 - 季度财报

Financial Performance - The company's operating revenue for Q1 2023 was RMB 16,553 million, an increase of 8.45% compared to RMB 15,263 million in Q1 2022[3] - Net profit attributable to shareholders for Q1 2023 reached RMB 6,598 million, reflecting a growth of 15.35% from RMB 5,720 million in the same period last year[3] - The net profit after deducting non-recurring gains and losses was RMB 6,407 million, up 11.89% from RMB 5,726 million in Q1 2022[3] - The basic earnings per share for Q1 2023 was RMB 1.00, an increase of 14.94% compared to RMB 0.87 in Q1 2022[3] - In Q1 2023, the company achieved a net profit of RMB 6.598 billion, a year-on-year increase of 15.35%[22] - Operating income for Q1 2023 reached RMB 16,553 million, a 8.5% increase from RMB 15,263 million in Q1 2022[26] - Net profit for Q1 2023 was RMB 6,618 million, representing a 15.7% increase compared to RMB 5,717 million in Q1 2022[27] - Total comprehensive income for Q1 2023 was RMB 6,761 million, an increase from RMB 5,899 million in Q1 2022[27] Asset and Deposit Growth - Total assets as of March 31, 2023, were RMB 2,525,795 million, a 6.75% increase from RMB 2,366,097 million at the end of 2022[5] - Customer deposits amounted to RMB 1,585,782 million, representing a significant increase of 22.26% from RMB 1,297,085 million at the end of 2022[5] - Total loans amounted to RMB 1,096.873 billion, growing by 4.86% since the start of the year[22] - The net increase in customer deposits and interbank placements was RMB 285,141 million, up from RMB 265,342 million in Q1 2022[28] Financial Ratios and Efficiency - The weighted average return on equity (annualized) increased to 16.90%, up by 0.27 percentage points from 16.63% in Q1 2022[3] - Capital adequacy ratio as of March 31, 2023, is 14.78%, a slight decrease from 15.18% as of December 31, 2022[12] - The liquidity coverage ratio increased to 244.97% from 179.11% in the previous quarter, indicating strong liquidity management[14] - The cost-to-income ratio improved to 33.74% from 37.29%, indicating better operational efficiency[12] - The bank's total assets return rate (annualized) is 1.08%, showing stable asset performance compared to previous periods[12] - The annualized return on average equity was 16.90%, up by 1.34 percentage points since the beginning of the year[22] Credit Quality and Risk - Non-performing loan ratio stands at 0.76%, up from 0.75% in the previous quarter, reflecting a slight increase in credit risk[15] - The provision coverage ratio is at 501.47%, indicating strong provisioning against potential loan losses[12] - The bank's credit impairment losses decreased to RMB 3,702 million from RMB 4,252 million year-over-year[26] Cash Flow and Investments - The company's cash flow from operating activities for Q1 2023 was RMB 146,356 million, a decrease of 3.11% from RMB 151,057 million in Q1 2022[3] - Cash flow from investing activities showed a net outflow of RMB 37,723 million, compared to a net outflow of RMB 50,494 million in Q1 2022[28] - Cash flow from financing activities resulted in a net outflow of RMB 78,692 million, compared to a net outflow of RMB 23,451 million in Q1 2022[28] - The net increase in cash and cash equivalents for the first quarter of 2023 was 29,836 million, compared to 77,053 million in the previous quarter[29] Shareholder Information - The total number of shareholders at the end of the reporting period is 156,853, with the top ten shareholders holding significant stakes[18] - Ningbo Development Investment Group Co., Ltd. holds 18.74% of shares, amounting to 1,237,489,845 shares[18] - Singapore Overseas Chinese Bank Limited holds 18.69% of shares, totaling 1,233,993,375 shares[18] - The top ten unrestricted shareholders collectively hold 3,000,000,000 shares, with no changes reported during the period[19] - The largest unrestricted shareholder, Ningbo Development Investment Group Co., Ltd., holds 1,237,489,845 shares[19] - The total number of preferred shareholders is 30, with the top ten holding 100% of the preferred shares[20] - Huabao Trust Co., Ltd. holds 21.18% of preferred shares, equating to 31,450,000 shares[20] - China Ping An Life Insurance Co., Ltd. holds 9.45% of preferred shares, totaling 14,040,000 shares[20] - The company has not reported any repurchase agreements among the top ten shareholders during the reporting period[19] - There are no pledged or frozen shares reported among the top shareholders[20]