苏州银行(002966) - 2025 Q1 - 季度财报

Financial Performance - Operating income for Q1 2025 was CNY 3,249,637,000, a 0.76% increase compared to CNY 3,225,009,000 in the same period last year[8] - Net profit attributable to shareholders of the parent company reached CNY 1,554,339,000, reflecting a 6.80% increase from CNY 1,455,407,000 year-on-year[8] - The net profit for the period was RMB 1.61 billion, representing a year-on-year increase of RMB 0.10 billion or 6.95%[27] - The net profit for Q1 2025 reached CNY 1,609,880,265, an increase from CNY 1,505,266,025 in Q1 2024, representing a growth of approximately 6.5%[43] - Total operating income for Q1 2025 was CNY 3,249,636,546, slightly up from CNY 3,225,008,986 in Q1 2024, indicating a growth of about 0.8%[43] Assets and Liabilities - Total assets increased by 4.82% to CNY 727,154,171,000 from CNY 693,714,073,000 at the end of the previous year[8] - The company's total assets reached RMB 727.15 billion, an increase of RMB 33.44 billion or 4.82% compared to the beginning of the year[27] - The total liabilities rose by 4.48% to CNY 667,035,870,000 compared to CNY 638,458,311,000 at the end of last year[8] - The total liabilities amounted to RMB 667.04 billion, rising by RMB 28.58 billion or 4.48% year-to-date[27] - The total loans increased to RMB 362.89 billion, reflecting a growth of RMB 29.53 billion or 8.86%[27] Cash Flow - Net cash flow from operating activities decreased by 41.25% to CNY 10,862,634,000 from CNY 18,488,338,000 in the previous year[8] - The net cash flow from operating activities for Q1 2025 was CNY 10,862,634,280, down from CNY 18,488,337,616 in Q1 2024, indicating a decline of about 41.5%[48] - The total cash and cash equivalents at the end of Q1 2025 amounted to CNY 16,054,982,105, down from CNY 18,748,974,397 at the end of Q1 2024, reflecting a decrease of approximately 9.0%[48] - The investment activities generated a net cash flow of CNY 7,446,736,970 in Q1 2025, contrasting with a net cash outflow of CNY 6,672,679,866 in Q1 2024[48] Loan and Deposit Growth - Loans and advances issued increased by 9.18% to CNY 349,915,483,000 from CNY 320,502,301,000 at the end of last year[12] - Deposits absorbed grew by 10.72% to CNY 473,211,289,000 from CNY 427,396,838,000 at the end of last year[12] - The net increase in customer deposits was CNY 46,061,960,273 in Q1 2025, compared to CNY 47,263,191,000 in Q1 2024, showing a decrease of approximately 2.6%[47] Asset Quality and Capital Ratios - The non-performing loan ratio remained stable at 0.83%, unchanged from the previous quarter[14] - The non-performing loan ratio remained stable at 0.83%, with a provision coverage ratio of 447.20%[27] - The core tier one capital adequacy ratio was reported at 9.80%, slightly up from 9.77% at the end of last year[14] - The company's core Tier 1 capital adequacy ratio stood at 9.80%, with a total capital adequacy ratio of 14.54%[27] Other Financial Metrics - The cost-to-income ratio improved to 30.76%, down from 36.79% in the previous quarter[14] - The liquidity coverage ratio was reported at 145.69%, indicating strong liquidity management[21] - The basic earnings per share for Q1 2025 was CNY 0.34, compared to CNY 0.37 in Q1 2024, showing a decrease of about 8.1%[44] - The total comprehensive income for Q1 2025 was CNY 839,190,836, a decrease from CNY 1,659,740,562 in Q1 2024, representing a decline of approximately 49.6%[44] Shareholder Information - The number of ordinary shareholders at the end of the reporting period was 62,069[31] - The controlling shareholder, Suzhou International Development Group, plans to increase its stake in the bank by at least RMB 300 million within six months starting January 14, 2025[34] - As of March 2025, 11 million shares held by a shareholder were judicially frozen, accounting for 0.25% of the bank's total share capital, but this has not adversely affected the bank's operations[35] - The bank's total equity and capital structure remain stable despite the changes in shareholder stakes and judicial actions[35]