宁波银行(002142) - 2025 Q1 - 季度财报

Financial Performance - In Q1 2025, the company's operating revenue reached RMB 18,495 million, a 5.63% increase compared to RMB 17,509 million in Q1 2024[4] - The net profit attributable to shareholders was RMB 7,417 million, reflecting a 5.76% growth from RMB 7,013 million in the same period last year[4] - The bank's net cash flow from operating activities was RMB 93,060 million, down 2.50% from RMB 95,445 million in Q1 2024[4] - In Q1 2025, the company achieved a net profit of RMB 7.417 billion, representing a year-on-year growth of 5.76%[31] - The company's operating revenue for Q1 2025 was RMB 18.495 billion, an increase of 5.63% compared to the previous year[31] - Net interest income rose to RMB 12,835 million, up 11.6% from RMB 11,502 million year-over-year[40] - Investment income increased to RMB 4,992 million, a 26.3% rise from RMB 3,952 million in the previous year[40] - Basic and diluted earnings per share for Q1 2025 were both RMB 1.12, up from RMB 1.06 in Q1 2024[41] Asset and Liability Management - Total assets as of March 31, 2025, amounted to RMB 3,396,035 million, an 8.67% increase from RMB 3,125,232 million at the end of 2024[5] - The bank's total liabilities were RMB 1,850,000 million, reflecting a 10% increase year-over-year[40] - Customer loans and advances reached RMB 1,640,169 million, marking an 11.12% increase from RMB 1,476,063 million year-over-year[6] - Customer deposits totaled RMB 2,182,604 million, an 18.86% increase from RMB 1,836,345 million at the end of 2024[6] - The total amount of loans and advances reached RMB 1,640,169 million, with a 0.76% non-performing loan ratio[21] Capital Adequacy and Risk Management - Capital adequacy ratio stands at 14.94% as of March 31, 2025, exceeding the regulatory requirement of 10.75%[10] - The bank's core tier 1 capital adequacy ratio is 9.32%, above the regulatory minimum of 7.75%[10] - The provision coverage ratio is 370.54%, well above the required 150%[10] - Non-performing loan ratio is 0.76%, remaining stable compared to previous periods[10] - The bank's leverage ratio is 5.38% as of March 31, 2025, indicating a stable capital structure[17] - The liquidity coverage ratio is 209.72%, significantly above the minimum requirement of 100%[19] - The bank's liquidity ratio is 108.08%, significantly exceeding the regulatory minimum of 25%[10] Shareholder Information - The total number of shareholders at the end of the reporting period is 104,999[25] - The largest shareholder, Ningbo Development Investment Group Co., Ltd., holds 18.74% of shares, totaling 1,237,489,845 shares[25] - Singapore Overseas Chinese Bank holds 18.69% of shares, totaling 1,233,993,375 shares, with 75,819,056 shares under limited sale conditions[25] - The top 10 shareholders did not engage in repurchase transactions during the reporting period[25] - The total number of preferred shareholders at the end of the reporting period is 18[27] - The largest preferred shareholder, Huabao Trust, holds 16.06% of preferred shares, totaling 7,790,000 shares[27] - The second-largest preferred shareholder, Huabao Trust's Baofu Investment, holds 13.59% of preferred shares, totaling 6,590,000 shares[27] - The company has no pledged shares among its major shareholders[25] - The company has not reported any participation in securities lending transactions during the reporting period[25] - The preferred shares code 140001 and 140007 are noted, indicating the existence of multiple preferred share classes[28] Other Key Metrics - The weighted average return on equity (annualized) decreased to 14.18%, down 1.33 percentage points from 15.51% in Q1 2024[4] - Non-recurring losses amounted to RMB 16 million in Q1 2025, compared to RMB 40 million in Q1 2024[8] - The company reported a significant increase in foreign exchange gains, amounting to RMB 612 million, compared to a loss of RMB 257 million in the previous year[9] - The cost-to-income ratio improved to 29.07%, down from 35.52% in the previous year[11] - The bank's total assets return rate (annualized) is 0.91% as of March 31, 2025[10] - The company continues to implement a strategy focused on sustainable development and customer-centric financial services[31] - No other significant events were reported during the reporting period[33]