Guan Cha Zhe Wang·2025-05-03 07:24Core Insights - In the first quarter of 2025, 14 out of 17 A-share listed city commercial banks reported positive revenue growth, with an average growth rate of 2.96%, a decline from 5.61% in the same period last year [1][3][6] - The net profit for 14 banks also showed positive growth, averaging 5.49%, down from 7.05% year-on-year [1][6][7] - The asset scale of A-share listed city commercial banks increased by 6.53% compared to the end of the previous year, up from 4.65% year-on-year [2][9] Revenue Performance - Qingdao Bank led the revenue growth with a year-on-year increase of 9.69%, followed by Xi'an Bank (8.14%), Nanjing Bank (6.53%), and Jiangsu Bank (6.21%) [3][5] - Three banks reported negative revenue growth: Beijing Bank (-3.18%), Guiyang Bank (-16.91%), and Xiamen Bank (-18.42%) [4][5] - Jiangsu Bank achieved the highest revenue among the listed banks, totaling 22.304 billion yuan, while Xiamen Bank had the lowest at 1.214 billion yuan [4][5] Net Profit Performance - Hangzhou Bank led in net profit growth with a 17.3% increase, followed by Qilu Bank (16.47%) and Qingdao Bank (16.42%) [7][8] - Negative net profit growth was reported by Beijing Bank (-2.44%), Guiyang Bank (-6.82%), and Xiamen Bank (-14.21%) [7][8] - Jiangsu Bank reported the highest net profit at 9.78 billion yuan, while Xiamen Bank had the lowest at 0.645 billion yuan [7][8] Asset Scale and Quality - As of March 31, 2025, eight A-share listed city commercial banks had asset scales exceeding 1 trillion yuan, with Beijing Bank and Jiangsu Bank surpassing 4 trillion yuan [9][10] - The overall asset quality showed improvement, with seven banks reporting non-performing loan ratios below 1%, the lowest being Chengdu Bank at 0.66% [11][12]