成都银行(601838) - 2025 Q1 - 季度财报

Financial Performance - Total revenue for Q1 2025 reached RMB 5,816,960, an increase of 3.17% compared to RMB 5,638,180 in Q1 2024[10] - Net profit for Q1 2025 was RMB 3,011,878, reflecting a growth of 5.64% from RMB 2,851,129 in Q1 2024[10] - Operating profit increased by 5.32% to RMB 3,548,462 in Q1 2025, up from RMB 3,369,264 in the same period last year[10] - Operating revenue was CNY 5.817 billion, reflecting a year-on-year increase of CNY 0.179 billion or 3.17%[21] - Net profit attributable to shareholders was CNY 3.012 billion, up CNY 0.161 billion or 5.64% year-over-year[21] - Total comprehensive income for Q1 2025 was CNY 1,946,014 thousand, down 40.5% from CNY 3,275,922 thousand in Q1 2024[50] - Basic earnings per share for Q1 2025 was RMB 0.71, a decrease of 5.33% compared to RMB 0.75 in Q1 2024[11] - Basic earnings per share were CNY 0.71, with a return on equity of 3.70%[21] Assets and Liabilities - Total assets as of March 31, 2025, amounted to RMB 1,334,807,829, representing a 6.77% increase from RMB 1,250,116,154 at the end of 2024[11] - The total liabilities reached CNY 1,246,159,369 thousand as of March 31, 2025, compared to CNY 1,164,211,707 thousand on December 31, 2024[46] - The company's equity attributable to shareholders was CNY 88,648,460 thousand as of March 31, 2025, up from CNY 85,855,452 thousand on December 31, 2024[46] Loans and Deposits - The total amount of loans and advances increased by 8.74% to RMB 807,467,842 compared to RMB 742,568,225 at the end of 2024[11] - Customer deposits grew by 8.91% to RMB 964,771,178 from RMB 885,859,340 at the end of 2024[11] - Total loans reached CNY 807.468 billion, an increase of CNY 64.900 billion or 8.74% from the previous year[20] - The total balance of loans classified as normal was CNY 797,536,145 thousand, accounting for 98.93% of total loans as of March 31, 2025, compared to 98.91% on December 31, 2024[40] Cash Flow and Investments - The cash flow from operating activities showed a significant decline, with a net cash flow of RMB 64,163,207 compared to a negative RMB 975,242 in the previous year, a change of -6679.21%[10] - Cash flow from operating activities generated a net amount of CNY 64,163,207 thousand, a significant improvement from a net outflow of CNY 975,242 thousand in Q1 2024[53] - Investment activities resulted in a net cash outflow of CNY 18,477,684 thousand in Q1 2025, contrasting with a net inflow of CNY 12,947,456 thousand in Q1 2024[55] Risk Management and Capital Adequacy - The weighted average return on equity decreased to 3.70% from 4.26% in the previous year, a decline of 0.56 percentage points[11] - The non-performing loan ratio stood at 0.66%, maintaining stability[22] - Provision coverage ratio was 456.00%, indicating strong risk management[22] - The liquidity coverage ratio was 183.59%, demonstrating ample liquidity[23] - The core Tier 1 capital adequacy ratio was 8.84% as of March 31, 2025, slightly down from 9.06% on December 31, 2024[34] - The leverage ratio decreased to 6.44% as of March 31, 2025, compared to 6.62% on December 31, 2024[36] - The liquidity coverage ratio was 183.59% as of March 31, 2025, down from 211.09% on December 31, 2024[38] Other Notable Events - The company completed the transfer of a 62% stake in Jiangsu Baoying Jincheng Village Bank, effective January 10, 2025[24] - The net increase in customer deposits and interbank placements was CNY 76,155,389 thousand, compared to CNY 53,175,599 thousand in Q1 2024[53] - The company continues to focus on maintaining a strong capital structure and improving asset quality, as indicated by the stable performance of normal loans and capital adequacy ratios[34][40]