| 渠道 | 业务（服务） | 业务（服 务）暂停时 | | --- | --- | --- | | | | 间 | | | | 9月5日 | | 柜面 | 代销理财（非徽银理财、徽财宝） | 15:00-9月8 | | | | 日 8:00 | | 水费、电费、燃气费、有线电视、电信话费 | 9月5日15:00-9月8日 8:00 | | | 代缴代扣 | | | | 代发工资 | 9月5日15:00-9月8日 8:00 | | | 代销理财（徽银理财） | 9月5日16:30-9月8日 8:00 | | | 借记卡（转入、转出） | 9月5日18:00-9月8日 8:00 | | | | | 9月5日 | | 个人网银、手机银行、信用卡微信公众号、 信用卡APP、微信小程序、徽常有财APP | 代销理财、基金、券商资管、保险、实物贵 金属、储蓄国债，柜台债、代理三方存管 | 15:00-9月8 | | | | 日 8:00 | | 转账和跨行收款 | 9月5日15:00-9月8日 8:00 | | | 智慧食堂、智慧缴费、公益捐款、话费充值 等线上支付 | 9月5日15:00-9月8日 8:00 | | ...

Group 1: Financial Performance - In Q1 2025, the bank's revenue was CNY 33.709 billion, a year-on-year decrease of 13.1% [2] - Net profit for Q1 2025 was CNY 14.096 billion, down 5.6% year-on-year [2] - The bank's operating expenses were CNY 9.055 billion, a decrease of 13.2% year-on-year [2] Group 2: Dividend Distribution - For the year 2024, the bank plans to distribute a cash dividend of CNY 6.08 per 10 shares, totaling CNY 11.799 billion, which is 28.32% of the net profit attributable to ordinary shareholders [3] - The interim dividend for 2024 is CNY 2.46 per 10 shares, amounting to CNY 4.774 billion [3] - The final dividend for 2024 is CNY 3.62 per 10 shares, totaling CNY 7.025 billion [3] Group 3: Asset Quality - As of March 2025, the non-performing loan (NPL) ratio was 1.06%, unchanged from the end of the previous year [5] - The provision coverage ratio was 236.53%, with a provision-to-loan ratio of 2.50% [5] - In Q1 2025, the bank wrote off loans amounting to CNY 17.065 billion and recovered CNY 9.425 billion in non-performing assets [5] Group 4: Interest Margin - The net interest margin in Q1 2025 was 1.83%, a decrease of 18 basis points year-on-year [4] - The bank anticipates continued downward pressure on the net interest margin in 2025, but at a slower rate [4] Group 5: Wealth Management - Wealth management fee income in Q1 2025 was CNY 1.208 billion, a year-on-year increase of 12.5% [6] - Personal insurance income grew by 38.7% to CNY 0.344 billion, while personal fund income increased by 5.7% to CNY 0.522 billion [6] Group 6: Capital Adequacy - As of the end of 2024, the bank's capital adequacy ratios were 9.12% for core tier 1, 10.69% for tier 1, and 13.11% for total capital [8] - The bank plans to balance internal and external capital replenishment to maintain adequate capital levels [8] Group 7: Deposit Growth - As of March 2025, personal deposits totaled CNY 1,330.883 billion, a growth of 3.4% from the end of the previous year [9] - The average daily balance of personal deposits in Q1 2025 was CNY 1,316.631 billion, up 6.5% year-on-year [9] Group 8: Loan Growth - As of March 2025, personal loan balances were CNY 1,729.046 billion, a decrease of 2.2% from the end of the previous year [10] - Housing mortgage loans increased by 4.1% to CNY 339.434 billion, while credit card receivables decreased by 7.9% to CNY 400.638 billion [10]