Financial Performance - Net profit for the first quarter of 2024 was RMB 1,619,038, representing a year-on-year increase of 4.87%[5] - Basic earnings per share for the first quarter stood at RMB 0.44, an increase of 2.33% compared to the same period last year[5] - Operating income for the same period was RMB 3.30 billion, up RMB 0.17 billion or 5.51% from the previous year[20] - The pre-tax profit for the first quarter of 2024 was RMB 1,872,966 thousand, an increase from RMB 1,808,102 thousand in the first quarter of 2023, reflecting a growth of 3.6%[27] Assets and Liabilities - Total assets as of March 31, 2024, reached RMB 780,803,934, an increase of 2.75% compared to the end of 2023[4] - Total liabilities amounted to RMB 719,423,393, up by 2.69% from the previous year-end[4] - The total liabilities and equity as of March 31, 2024, amounted to RMB 780,803,934 thousand, up from RMB 759,883,870 thousand as of December 31, 2023[26] Customer Loans and Deposits - Customer loans and advances totaled RMB 407,502,081, reflecting a growth of 3.71% year-on-year[4] - Customer deposits increased to RMB 439,221,765, marking a rise of 5.88% compared to December 31, 2023[4] - The net increase in customer loans and advances for the first quarter of 2024 was RMB 15,248,423 thousand, compared to RMB 14,990,409 thousand in the first quarter of 2023[27] - Customer deposits increased to RMB 23,649,148 thousand in the first quarter of 2024, compared to RMB 19,183,261 thousand in the same period of 2023, marking an increase of 23.7%[28] Capital Adequacy and Ratios - The core tier 1 capital adequacy ratio was 9.81% as of March 31, 2024, slightly up from 9.78% at the end of 2023[8] - The liquidity coverage ratio improved to 332.86% from 277.49% at the end of 2023[10] - The cost-to-income ratio improved to 22.84%, down 4.06 percentage points year-on-year[17] - The core Tier 1 capital adequacy ratio was 9.81%, meeting the latest regulatory requirements[17] Shareholder Information - The top ten shareholders hold a total of 2,668,000,000 shares, representing 76.56% of the total share capital[12] - Hong Kong Central Clearing Limited holds 1,172,536,952 shares, accounting for 33.75% of the total share capital[12] - Chongqing Yufu Capital Operation Group holds 496,316,727 shares, representing 14.28% of the total share capital[12] - Lifan Technology Group holds 294,818,932 shares, accounting for 8.49% of the total share capital[15] - Shanghai Automotive Group holds 240,463,650 shares, representing 6.92% of the total share capital[15] - Fude Life Insurance holds 217,570,150 shares, which is 6.26% of the total share capital[15] - Chongqing Real Estate Group holds 174,850,488 shares, accounting for 5.03% of the total share capital[12] - Chongqing Road and Bridge holds 171,339,698 shares, representing 4.93% of the total share capital[12] Cash Flow - The net cash flow from operating activities showed a significant decrease, amounting to (19,281,439), indicating adjustments in borrowing strategies[5] - The net cash flow from investing activities for the first quarter of 2024 was RMB 22,293,332 thousand, a significant improvement from a negative RMB 11,769,564 thousand in the first quarter of 2023[29] - The net cash flow from financing activities for the first quarter of 2024 was negative RMB 9,576,375 thousand, compared to a negative RMB 59,767 thousand in the same period of 2023[29] Non-Performing Loans - The non-performing loan balance was RMB 5.39 billion, with a non-performing loan ratio of 1.33%, a decrease of 0.01 percentage points from the end of the previous year[17]
重庆银行(01963) - 2024 Q1 - 季度业绩