ZRCBANK(002839)2025-04-29 12:00Financial Performance - Net profit attributable to shareholders rose by 3.20% to CNY 562.30 million year-on-year[5] - Operating income grew by 3.29% to CNY 1.32 billion compared to the same period last year[5] - The basic earnings per share decreased by 8.00% to CNY 0.23 per share[5] - The net profit margin was maintained at a healthy level, reflecting the company's operational efficiency[15] - The net profit attributable to the parent company was approximately ¥562.30 million, compared to ¥544.85 million in the previous period, reflecting an increase of about 3.3%[38] - The diluted earnings per share were ¥0.23, compared to ¥0.21 in the previous period, indicating an increase of about 9.5%[38] - The total comprehensive income attributable to the parent company was approximately ¥362.38 million, down from ¥542.64 million in the previous period, reflecting a decrease of about 33.2%[38] Asset and Liability Management - Total assets increased by 2.00% to CNY 223.28 billion compared to the end of the previous year[5] - Total liabilities increased to ¥203.02 billion, marking a 2.01% rise from the end of 2024[23] - The bank's equity attributable to shareholders reached ¥20.26 billion, a 1.85% increase from the previous year-end[23] - The bank's core Tier 1 capital ratio stood at 10.91%, unchanged from the previous quarter[21] - The leverage ratio was reported at 7.08%, slightly down from 7.09% at the end of 2024[21] Loan and Deposit Growth - Customer loans and advances amounted to ¥144.36 billion, up 5.13% from the previous year-end[23] - The bank's customer deposits increased to ¥174.63 billion, reflecting a growth of 4.80% compared to the previous year-end[23] - Total loans increased to RMB 144.36 billion, rising by RMB 7.04 billion, or 5.13% since the beginning of the year[29] - Total deposits amounted to RMB 174.63 billion, up RMB 7.99 billion, or 4.80% year-to-date[29] Risk and Asset Quality - The non-performing loan ratio remained stable at 0.94%, meeting the regulatory limit of 5%[15] - The bank's non-performing loans totaled ¥1.35 billion, maintaining a ratio of 0.94%[24] - The provision coverage ratio stood at 375.48%, indicating a strong buffer against potential loan losses[29] Cash Flow and Investment - The net cash flow from operating activities was negative at CNY -2.92 billion, a significant decrease from CNY 1.74 billion in the previous year[5] - The net cash flow from investment activities was approximately ¥4.81 billion, compared to ¥1.99 billion in the previous period, showing an increase of about 141%[41] - The cash and cash equivalents at the end of the period totaled approximately ¥7.04 billion, up from ¥4.02 billion in the previous period, representing an increase of about 75%[41] - The net cash flow from financing activities was approximately ¥365.01 million, a turnaround from a negative cash flow of -¥4.82 billion in the previous period[41] Operational Strategy - The bank aims to enhance its service to small and micro enterprises, aligning with its 2024-2026 development plan[28] - The bank is focused on risk control and strengthening its workforce as part of its operational strategy[28]