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重慶農村商業銀行(03618.HK)一季度淨利37.45億元 同比增幅6.25%

格隆匯4月25日丨重慶農村商業銀行(03618.HK)公告,2025年一季度,集團實現稅前利潤42.39億元,同比增加4.49億元,增幅11.86%;淨利潤38.17億元,同比增加1.55億元,增幅4.24%;歸屬於股東的淨利潤37.45億元,同比增加2.20億元,增幅6.25%。因子公司渝農商金融租賃有限責任公司上年同期所得稅稅率變動,重新計量遞延所得稅資產使得上年同期淨利潤基數較高。本期年化平均總資產回報率0.99%,較上年同期下降0.01個百分點;年化加權平均淨資產收益率11.96%,較上年同期下降0.01個百分點。

本期集團實現營業收入72.23億元,較上年同期增長1.37%。其中,利息淨收入58.12億元,同比增加5.31%,手續費及傭金淨收入5.07億元。淨利息收益率1.61%。本期集團營業支出爲19.07億元,成本收入比較上年同期下降1.75個百分點至25.47%,集團持續統籌推進降本增效,不斷提高資源配置效率。信用減值損失10.78億元,較上年同期下降19.17%。

截至2025年3月31日,集團資產總額16,107.74億元,較上年末增加953.92億元,增幅6.29%。客戶貸款和墊款總額7,444.44億元,較上年末增加301.71億元,增幅4.22%。其中,公司貸款4,027.61億元,零售貸款2,998.12億元,票據貼現418.71億元。金融投資6,569.08億元,較上年末增加289.05億元,增幅4.60%。

截至2025年3月31日,集團不良貸款餘額87.47億元;不良貸款率1.17%,較上年末下降0.01個百分點;撥備覆蓋率363.37%,較上年末下降0.07個百分點。

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