上海银行(601229) - 2023 Q1 - 季度财报

Financial Performance - The company's operating income for Q1 2023 was RMB 13,214,928, a decrease of 7.12% compared to RMB 14,228,686 in Q1 2022[4] - Net profit attributable to shareholders of the parent company for Q1 2023 was RMB 6,043,234, an increase of 3.25% from RMB 5,853,179 in Q1 2022[4] - Total profit for Q1 2023 reached CNY 6,849,290, up from CNY 6,208,640 in Q1 2022, marking an increase of approximately 10.3%[37] - Net profit attributable to shareholders for Q1 2023 was CNY 6,043,234, compared to CNY 5,853,179 in Q1 2022, reflecting a growth of about 3.2%[37] - Basic earnings per share for Q1 2023 increased to CNY 0.43 from CNY 0.41 in Q1 2022, representing a rise of approximately 4.9%[38] Cash Flow and Liquidity - The net cash flow from operating activities decreased significantly to RMB 3,803,707, down 87.57% from RMB 30,590,863 in the same period last year[9] - Cash flow from operating activities for Q1 2023 was CNY 3,803,707, a decrease from CNY 30,590,863 in Q1 2022, indicating a decline of about 87.5%[41] - Cash and cash equivalents at the end of Q1 2023 totaled CNY 35,586,049, down from CNY 82,567,676 at the end of Q1 2022, a decrease of approximately 56.9%[43] Assets and Liabilities - The total assets of the company as of March 31, 2023, were RMB 2,970,129,894, reflecting a 3.18% increase from RMB 2,878,524,759 at the end of 2022[4] - The company's total assets reached CNY 2,970.13 billion as of March 31, 2023, compared to CNY 2,878.52 billion at the end of last year[27] - The total liabilities amounted to CNY 2,743.22 billion, an increase from CNY 2,656.88 billion at the end of last year[28] Customer and Loan Metrics - The total customer loans and advances amounted to RMB 1,343,961,903 as of March 31, 2023, compared to RMB 1,304,592,590 at the end of 2022[13] - The total customer loans and advances amounted to CNY 1,343.96 billion, reflecting a growth of 3.02% from the previous year-end[17] - The number of customers served by the company reached 277,900, an increase of 1.71% from the previous year-end[18] - The net increase in loans and advances to customers of CNY 42,610,693 in Q1 2023, compared to CNY 35,860,925 in Q1 2022, reflecting an increase of approximately 18.5%[40] Risk and Provisioning - The non-performing loan ratio remained stable at 1.25% as of March 31, 2023, unchanged from the end of 2022[13] - The coverage ratio for provisions was 286.84%, indicating sufficient risk provision levels[17] Investment and Income - Investment income for Q1 2023 was CNY 501,725, significantly lower than CNY 2,109,567 in Q1 2022, indicating a decrease of about 76.2%[33] - Commission and fee income for Q1 2023 was CNY 1,819,680, a decrease from CNY 2,130,245 in Q1 2022, representing a decline of approximately 14.6%[32] Deposits and Interest Rates - The total deposits increased to CNY 1,647.16 billion, marking a growth of 4.82% compared to the end of the previous year[17] - The balance of personal deposits was CNY 523.26 billion, up 6.86% from the end of last year, with a personal deposit interest rate of 2.34%, down 11 basis points[22] Other Financial Metrics - The liquidity coverage ratio was reported at 137.04% as of March 31, 2023, down from 164.21% at the end of 2022[12] - The weighted average return on equity for Q1 2023 was 11.88%, a decrease of 0.56 percentage points from 12.44% in Q1 2022[3]