格隆汇4月29日丨中信银行(00998.HK)公告，2025年一季度，集团经营效益保持稳健，实现归属于本行股东的净利润195.09亿元，同比增长1.66%。经营收入516.14亿元，同比下降3.65%，其中利息净收入356.77亿元，同比增长2.05%，主要是资产端加大信贷投放力度，负债端不断加强成本管控，持续优化业务结构。一季度净息差1.65%，同比下降5BPs；非利息净收入159.37亿元，同比下降14.36%，主要是受市场利率上行影响，证券投资收入等其他非息收入减少所致。
报告期内，集团资产负债结构持续改善，支持实体经济力度不断加大。截至报告期末，集团资产总额98,552.68亿元，较上年末增长3.38%。贷款及垫款总额58,660.27亿元，较上年末增加1,458.99亿元，增长2.55%。其中，公司贷款（不含贴现）余额32,121.79亿元，较上年末增加3,040.62亿元，增长10.46%；贴现贷款余额3,074.51亿元，较上年末减少1,424.50亿元，下降31.66%；个人贷款（不含信用卡）余额18,831.53亿元，较上年末增加97.59亿元，增长0.52%；信用卡贷款余额4,632.44亿元，较上年末减少254.72亿元，下降5.21%。截至报告期末，集团负债总额90,284.27亿元，较上年末增长3.47%。客户存款总额60,272.67亿元，较上年末增加2,490.36亿元，增长4.31%。其中，公司存款余额42,838.86亿元，较上年末增加1,673.00亿元，增长4.06%；个人存款余额17,433.81亿元，较上年末增加817.36亿元，增长4.92%。
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