重庆银行(601963) - 2023 Q1 - 季度财报

Financial Performance - Net profit for Q1 2023 was CNY 1.54 billion, reflecting a 3.64% increase from CNY 1.49 billion in Q1 2022[5] - Operating income for the first quarter was CNY 3.23 billion, up 1.55% from CNY 3.18 billion in the same period last year[5] - Basic earnings per share increased to CNY 0.43, up from CNY 0.42 in Q1 2022[5] - Net profit for the first quarter of 2023 was RMB 1.54 billion, an increase of RMB 54 million or 3.64% year-on-year[21] - Operating income for the same period was RMB 3.23 billion, up RMB 49 million or 1.55% year-on-year[21] - Net profit attributable to shareholders for Q1 2023 was RMB 1,482,261 thousand, up from RMB 1,443,382 thousand in Q1 2022, reflecting a year-on-year increase of about 2.7%[32] - Net profit for Q1 2023 was RMB 1,417,858 thousand, slightly up from RMB 1,398,369 thousand in Q1 2022, indicating a growth of approximately 1.4%[39] - Total comprehensive income attributable to shareholders reached RMB 1,950,154 thousand in Q1 2023, up from RMB 1,276,256 thousand in Q1 2022, representing a year-on-year increase of approximately 53%[35] Asset and Liability Management - Total assets increased by 3.56% to CNY 709.12 billion as of March 31, 2023, compared to CNY 684.71 billion at the end of 2022[4] - Total liabilities as of March 31, 2023, amounted to RMB 620,650,461 thousand, compared to RMB 602,363,200 thousand at the end of 2022, indicating a growth of approximately 3.0%[28] - Total assets reached RMB 709.12 billion as of March 31, 2023, an increase of RMB 24.40 billion or 3.56% from the end of the previous year[21] - The bank's total equity increased to RMB 50,581,594 thousand as of March 31, 2023, from RMB 48,695,766 thousand in 2022, reflecting a growth of approximately 3.9%[28] Customer Loans and Deposits - Customer loans and advances rose by 4.01% to CNY 366.71 billion from CNY 352.57 billion year-over-year[4] - Customer deposits grew by 5.13% to CNY 402.22 billion compared to CNY 382.59 billion at the end of 2022[4] - Total customer loans and advances were RMB 366.71 billion, reflecting a growth of RMB 14.14 billion or 4.01% from the previous year-end[21] - Customer deposits amounted to RMB 402.22 billion, up RMB 19.63 billion or 5.13% compared to the end of last year[21] - The bank's total deposits reached RMB 401,533,635 thousand as of March 31, 2023, compared to RMB 381,973,538 thousand at the end of 2022, marking an increase of approximately 5.0%[28] Asset Quality - Non-performing loan balance decreased to RMB 4.53 billion, down RMB 310 million, with a non-performing loan ratio of 1.24%, a decrease of 0.14 percentage points[21] - The provision coverage ratio improved to 234.91%, an increase of 23.72 percentage points from the previous year-end[21] - The bank's non-performing loan ratio remained stable, with credit impairment losses recorded at RMB 552,066 thousand for Q1 2023, down from RMB 628,850 thousand in Q1 2022, indicating improved asset quality[29] Cash Flow and Investment Activities - The net cash flow from operating activities was CNY 4.30 billion, a significant recovery from a negative CNY 25.34 billion in the previous year[5] - Cash flow from operating activities generated a net inflow of RMB 4,295,652 thousand in Q1 2023, a significant recovery from a net outflow of RMB 25,339,566 thousand in Q1 2022[41] - The total cash inflow from operating activities in Q1 2023 was 22,046,894 thousand RMB, an increase of 8.6% compared to 20,299,561 thousand RMB in Q1 2022[46] - The cash outflow from investment activities in Q1 2023 was 30,050,080 thousand RMB, compared to 16,316,134 thousand RMB in Q1 2022, indicating a significant increase in investment spending[49] - The total cash inflow from investment activities in Q1 2023 was 18,327,749 thousand RMB, down from 29,714,705 thousand RMB in Q1 2022, representing a decrease of approximately 38.2%[49] Capital Adequacy and Ratios - The core Tier 1 capital adequacy ratio was 9.32% as of March 31, 2023, down from 9.52% at the end of 2022[9] - The core Tier 1 capital adequacy ratio was 9.32%, meeting the latest regulatory requirements[22] - The bank's cost-to-income ratio was 25.58%, an increase of 2.58 percentage points compared to the same period last year[21] - The liquidity coverage ratio improved to 270.78% from 242.19% year-over-year[12]