Financial Performance - Net profit attributable to shareholders for Q1 2023 was RMB 1,543,790 thousand, representing a 3.64% increase from the same period in 2022[3] - Operating income for Q1 2023 was RMB 3,124,509 thousand, showing a slight decrease of 0.04% compared to Q1 2022[3] - The total comprehensive income for the period was RMB 2,011,683 thousand, up from RMB 1,322,479 thousand in the same quarter of 2022, marking a significant increase of 52.2%[18] - The bank's basic earnings per share for the period was RMB 0.43, compared to RMB 0.42 in the same period last year[18] - The net profit for the three months ended March 31, 2023, was CNY 1.544 billion, an increase of CNY 0.054 billion, or 3.64% year-on-year[14] Assets and Liabilities - Total assets as of March 31, 2023, amounted to RMB 709,116,608 thousand, an increase of 3.56% compared to the end of 2022[3] - As of March 31, 2023, the total assets of the group reached CNY 709.117 billion, an increase of CNY 24.404 billion, or 3.56% compared to the end of the previous year[14] - Customer loans and advances totaled RMB 366,710,096 thousand, reflecting a growth of 4.01% year-over-year[3] - Customer deposits reached RMB 402,223,224 thousand, marking a 5.13% increase from the end of 2022[3] - The total equity attributable to shareholders increased to RMB 51,286,743 thousand from RMB 49,336,512 thousand, a rise of 3.9%[20] Cash Flow - The net cash flow from operating activities for Q1 2023 was RMB 4,295,652 thousand, a significant recovery from a negative cash flow in the previous year[3] - The net cash flow from operating activities was RMB 4,295,652 thousand, a significant improvement compared to a net outflow of RMB 25,339,566 thousand in the same period of 2022[22] - The cash flow from financing activities for Q1 2023 was negative CNY 7,527,486 thousand, compared to a positive CNY 19,486,479 thousand in Q1 2022[24] - The cash flow from operating activities showed a significant decrease, with net cash flow of CNY 6,193 thousand in Q1 2023 compared to negative CNY 4,014 thousand in Q1 2022[24] Capital Adequacy and Ratios - The core tier 1 capital adequacy ratio stood at 9.32% as of March 31, 2023, down from 9.52% at the end of 2022[6] - The leverage ratio increased to 6.80% as of March 31, 2023, compared to 6.65% at the end of 2022[7] - The liquidity coverage ratio improved to 270.78% as of March 31, 2023, up from 242.19% at the end of 2022[8] - The core tier 1 capital adequacy ratio was 9.32%, the tier 1 capital adequacy ratio was 10.24%, and the total capital adequacy ratio was 12.45%, meeting regulatory requirements[14] Non-Performing Loans - The non-performing loan balance was CNY 4.525 billion, a decrease of CNY 0.310 billion from the end of the previous year, with a non-performing loan ratio of 1.24%, down 0.14 percentage points[14] - The provision coverage ratio stood at 234.91%, an increase of 23.72 percentage points compared to the end of the previous year[14] Operating Expenses - The operating expenses for the three months were CNY 0.874 billion, an increase of CNY 0.100 billion, or 12.90% year-on-year[14] - The cost-to-income ratio was 26.90%, an increase of 3.19 percentage points compared to the same period last year[14] Investment Activities - Cash received from investment recoveries was CNY 15,836,426 thousand, a decrease from CNY 26,706,120 thousand in the same period of 2022[23] - Cash paid for investments in the first quarter of 2023 was CNY 30,050,080 thousand, significantly higher than CNY 16,316,134 thousand in Q1 2022[23] - The net cash flow from investing activities for Q1 2023 was negative CNY 11,769,564 thousand, compared to a positive CNY 13,018,737 thousand in Q1 2022[23] - Cash received from obtaining investment income in Q1 2023 was CNY 2,482,979 thousand, slightly down from CNY 2,695,578 thousand in Q1 2022[23] - Cash received from dividends in Q1 2023 was CNY 6,400 thousand, while no dividends were received in Q1 2022[23]
重庆银行(01963) - 2023 Q1 - 季度业绩