无锡银行(600908) - 2025 Q1 - 季度财报

Financial Performance - Operating revenue for Q1 2025 was RMB 1,350,376,000, representing a 3.53% increase compared to RMB 1,304,309,000 in the same period last year[7] - Net profit attributable to shareholders for Q1 2025 was RMB 617,657,000, up 3.13% from RMB 598,932,000 year-on-year[7] - Net profit excluding non-recurring gains and losses was RMB 615,971,000, reflecting a 3.03% increase from RMB 597,866,000 in the previous year[7] - The total comprehensive income for the first quarter of 2025 was CNY 416,337,000, compared to CNY 632,205,000 in the same period of 2024, reflecting a decrease of approximately 34%[24] - Net profit for the first quarter of 2025 was CNY 618,892 thousand, an increase from CNY 601,079 thousand in the first quarter of 2024, marking a growth of 3.2%[23] - The basic and diluted earnings per share for Q1 2025 were both CNY 0.28, slightly up from CNY 0.27 in Q1 2024[24] - Net profit for Q1 2025 reached CNY 616,126,000, representing a 3.3% increase from CNY 596,312,000 in Q1 2024[29] Assets and Liabilities - Total assets at the end of Q1 2025 reached RMB 266,801,177,000, a 3.89% increase from RMB 256,801,132,000 at the end of the previous year[7] - The total assets as of March 31, 2025, amounted to CNY 265,688,403,000, an increase from CNY 255,620,555,000 at the end of 2024[27] - The total liabilities increased to CNY 242,060,754,000 as of March 31, 2025, compared to CNY 232,406,476,000 at the end of 2024[27] - Total deposits reached CNY 224,197,020 thousand as of March 31, 2025, up from CNY 212,480,374 thousand at the end of 2024, representing an increase of 5.3%[16] - Total loans amounted to CNY 166,062,269 thousand as of March 31, 2025, compared to CNY 156,619,334 thousand at the end of 2024, reflecting a growth of 5.8%[19] Cash Flow - The net cash flow from operating activities was RMB 40,702,000, a significant decrease of 99.27% compared to RMB 5,581,389,000 in the same period last year[7] - The net cash flow from operating activities for Q1 2025 was CNY 74,699,000, a significant decrease from CNY 5,503,325,000 in the same period last year[31] - The net cash flow from investment activities for Q1 2025 was CNY 169,198,000, a decrease from CNY 391,598,000 in Q1 2024[25] - Cash and cash equivalents at the end of Q1 2025 totaled CNY 6,929,238,000, down from CNY 9,432,060,000 at the end of Q1 2024[33] - The net cash and cash equivalents at the end of Q1 2025 were CNY 6,908,190,000, down from CNY 9,394,912,000 at the end of Q1 2024[26] Shareholder Information - The number of ordinary shareholders at the end of the reporting period was 38,262[10] - The top ten shareholders held a combined total of 1,000,000,000 shares, representing significant ownership concentration[10] Operational Efficiency - The weighted average return on equity decreased by 0.75 percentage points to 11.52% from 12.27% in the previous year[7] - The bank's cost-to-income ratio improved to 24.85% in Q1 2025 from 30.75% in Q1 2024, indicating enhanced operational efficiency[18] Investment and Income - The company reported an increase in investment income by 43.14%, attributed to higher gains from financial asset disposals[8] - The net interest income for Q1 2025 was CNY 890,080 thousand, compared to CNY 847,077 thousand in Q1 2024, indicating an increase of 5.1%[23] - Net interest income rose to CNY 881,542,000, up from CNY 835,598,000, reflecting a year-over-year increase of 5.5%[29] Credit and Provisions - The non-performing loan ratio remained stable at 0.78% as of March 31, 2025, unchanged from the end of 2024[18] - The coverage ratio for provisions was 430.60% as of March 31, 2025, down from 457.60% at the end of 2024[18] - The bank reported a credit impairment loss of CNY 330,238,000, an increase from CNY 307,041,000 in the previous year[29]