瑞丰银行(601528) - 2025 Q1 - 季度财报

Financial Performance - The company's operating income for Q1 2025 was CNY 1,108,669,000, representing a 5.12% increase compared to CNY 1,054,624,000 in the same period last year[5] - Net profit attributable to shareholders for Q1 2025 was CNY 424,313,000, up 6.69% from CNY 397,694,000 year-over-year[5] - The bank's basic earnings per share for Q1 2025 was CNY 0.22, reflecting a 10.00% increase from CNY 0.20 in the same quarter last year[5] - Net profit for Q1 2025 reached CNY 419,101 thousand, compared to CNY 393,416 thousand in Q1 2024, reflecting an increase of about 6.5%[31] - Operating profit for Q1 2025 was CNY 382,654 thousand, compared to CNY 369,876 thousand in Q1 2024, reflecting an increase of approximately 3.8%[31] Cash Flow - The net cash flow from operating activities increased significantly to CNY 5,105,729,000, a 224.68% improvement from a negative cash flow of CNY -4,095,167,000 in the previous year[5] - The bank's cash flow from operating activities generated a net amount of CNY 5,361,230 thousand in Q1 2025, a significant recovery from a net outflow of CNY 4,169,381 thousand in Q1 2024[33] - The net increase in cash and cash equivalents was -383,024, an improvement from -4,451,082 year-over-year[34] - The beginning balance of cash and cash equivalents was 6,476,066, down from 11,827,715 in the previous year[34] - The ending balance of cash and cash equivalents stood at 6,093,042, compared to 7,376,633 in the same quarter last year[34] Assets and Liabilities - Total assets at the end of Q1 2025 reached CNY 229,342,867,000, marking a 4.01% increase from CNY 220,502,889,000 at the end of the previous year[5] - The total liabilities as of March 31, 2025, were RMB 210,218,191,000, compared to RMB 201,276,705,000 at the end of 2024[23] - The total equity attributable to shareholders as of March 31, 2025, was RMB 18,861,786,000, a slight decrease from RMB 18,968,035,000 at the end of 2024[23] - The total assets as of March 31, 2025, amounted to RMB 229,342,867,000, an increase from RMB 220,502,889,000 as of December 31, 2024[22] - The total liabilities rose to CNY 205,000,904 thousand as of March 31, 2025, from CNY 196,639,040 thousand at the end of 2024, marking an increase of approximately 4.4%[29] Shareholder Information - The total number of common shareholders at the end of the reporting period was 32,175[18] - The top 10 shareholders hold a total of 8.10% of shares, with Zhejiang Keqiao Transformation Upgrade Industry Fund Co., Ltd. holding 158,934,976 shares[18] Ratios and Performance Metrics - The non-performing loan ratio remained stable at 0.97% as of March 31, 2025, unchanged from December 31, 2024[12] - The capital adequacy ratio as of March 31, 2025, was 14.05%, down from 14.87% at the end of the previous year[13] - The liquidity coverage ratio decreased to 129.23% from 190.60% at the end of 2024, indicating a reduction in the bank's liquidity buffer[17] - The weighted average return on equity decreased to 8.96%, down 0.46 percentage points from 9.42% in the previous year[5] Income and Expenses - Net interest income rose to RMB 780,432, up from RMB 760,069, reflecting a growth of 2.0% year-over-year[25] - The bank's total expenses for Q1 2025 were RMB 712,780, an increase from RMB 674,093 in Q1 2024, reflecting a growth of 5.7%[25] - The bank's interest income for Q1 2025 was CNY 1,710,722 thousand, down from CNY 1,732,013 thousand in Q1 2024, indicating a decrease of approximately 1.2%[31] - Investment income rose to RMB 414,347, compared to RMB 336,849, marking a 23.0% increase year-over-year[25] - The bank's investment income for Q1 2025 was CNY 414,347 thousand, up from CNY 336,849 thousand in Q1 2024, representing a growth of about 23%[31]