Core Viewpoint - The company reported its financial performance for the first quarter of 2025, highlighting a decrease in revenue and net profit compared to the previous year, while maintaining a strong capital adequacy ratio and asset quality [14][15]. Financial Data Summary - Total assets reached 745.007 billion RMB, an increase of 39.338 billion RMB or 5.57% from the beginning of the year [14]. - Total loans amounted to 344.027 billion RMB, up by 4.885 billion RMB or 1.44% [14]. - Total deposits were 435.614 billion RMB, increasing by 16.406 billion RMB or 3.91% [14]. - Net profit attributable to shareholders was 1.443 billion RMB, a decrease of 6.82% year-on-year [15]. - Basic earnings per share were 0.39 RMB, with a weighted average return on equity of 9.32% (annualized) [15]. Regulatory Indicators - The non-performing loan ratio was 1.66%, up by 0.08 percentage points from the beginning of the year [15]. - The provision coverage ratio stood at 236.54%, and the loan-to-deposit ratio was 3.93% [15]. - Capital adequacy ratio was 14.86%, with a Tier 1 capital ratio of 13.67% and a core Tier 1 capital ratio of 12.64%, all meeting regulatory requirements [15]. Shareholder Information - As of the reporting period, 484,717,252 shares were pledged, accounting for 13.26% of the total issued ordinary shares [13]. - 17,545,080 shares were subject to judicial freeze, representing 0.48% of the total issued ordinary shares [13]. Major Events - The company held its sixth board meeting on April 28, 2025, where several key reports and proposals were approved, including the first quarter report for 2025 [19][20]. - The board approved the 2024 annual profit distribution plan, proposing a cash dividend of 2.9 RMB per 10 shares, totaling approximately 1.060 billion RMB [25][26]. Daily Related Transactions - The board approved the expected amount for daily related transactions for 2025, which will be submitted for shareholder approval [58][60]. - The transactions are considered normal business operations and are expected to have no significant impact on the company's ongoing operations or financial status [60][73].