Financial Overview - The registered capital of Bank of Jinzhou is RMB 13,981,615,684, with total assets amounting to RMB 849.662 billion[9]. - The net amount of loans and advances issued by the bank is RMB 586.323 billion, while the total deposits received amount to RMB 476.073 billion[9]. - The bank's total assets have shown significant growth, reflecting its expanding market presence and operational capacity[9]. - The bank's total assets increased by 9.2% to RMB 849,662,002 thousand from RMB 777,992,324 thousand in 2020[11]. - The bank's total liabilities increased by 10.2% to RMB 778,651,713 thousand from RMB 706,750,144 thousand in 2020[11]. - The bank's total equity increased to RMB 71.01 billion, reflecting a strong capital position amidst growth in assets and liabilities[148]. - The bank's total financial assets amounted to RMB 168,411,876 thousand, with 55.1% measured at amortized cost[123]. Profitability and Income - Interest income for 2021 was RMB 39,297,278 thousand, an increase of 5.2% compared to RMB 37,344,545 thousand in 2020[11]. - Net interest income rose by 29.6% to RMB 12,047,750 thousand from RMB 9,299,147 thousand in the previous year[11]. - The bank's net profit attributable to shareholders was RMB 1,272,581 thousand, a significant increase of 214.6% from RMB 404,569 thousand in 2020[11]. - Operating income reached RMB 12.568 billion, a growth of 35.0%[15]. - Net profit for the period was RMB 102 million[19]. - The bank's pre-tax profit was RMB 523.99 million, representing a growth of 59.7% compared to RMB 328.15 million in 2020[21]. Loan and Deposit Growth - Net loans and advances amounted to RMB 586.32 billion, growing by 18.3%[15]. - Deposits balance was RMB 476.07 billion, reflecting an 8.4% increase[15]. - Personal deposit balance reached RMB 372.49 billion, an increase of RMB 44.65 billion compared to the previous year[15]. - The total amount of loans and advances issued reached RMB 576,906,562 thousand, an increase from RMB 496,749,748 thousand in the previous year, representing a growth of approximately 16.1%[70]. Asset Quality and Risk Management - Non-performing loan ratio rose to 2.75% from 2.07% in 2020, indicating a deterioration in asset quality[13]. - The impairment provision for loans and advances increased from RMB 20,439,470 thousand to RMB 26,498,574 thousand, marking a rise of 29.6% due to the increase in non-performing loans and expected credit losses[75]. - The bank strengthened its credit risk management by adjusting the credit business structure, increasing the proportion of secured loans while reducing guarantee loans[70]. - The total expected credit loss for the entire duration of loans as of December 31, 2021, was RMB (20,433,399) thousand, indicating a focus on managing long-term credit risks[73]. Capital Adequacy - The capital adequacy ratio decreased to 11.50% from 11.76% in 2020, reflecting a slight decline in capital strength[12]. - The core Tier 1 capital adequacy ratio was 8.29%, an increase of 0.06 percentage points from 8.23% on December 31, 2020[94]. - The Tier 1 capital adequacy ratio was 9.73%, up 0.08 percentage points from 9.65% on December 31, 2020, mainly due to a decrease in risk-weighted assets[95]. Digital Transformation and Technological Development - The bank is committed to digital transformation and has established a big data center to enhance technological capabilities[15]. - The company is focusing on enhancing its technology capabilities, including the development of a digital credit risk management system and various customer management systems[140]. - The establishment of a big data center is underway to enhance disaster recovery capabilities and ensure business continuity[141]. Shareholder Structure and Corporate Governance - The total number of ordinary shares issued by the company remains unchanged at 13,981,615,684 shares, consisting of 10,464,295,684 domestic shares and 3,517,320,000 H-shares[170]. - The largest shareholder, Beijing Chengfang Huida Enterprise Management Co., Ltd., holds 5,270,000,000 shares, representing 37.69% of the total equity[174]. - The state-owned shares increased from 56.39% to 57.77%, while private shares decreased from 17.90% to 16.52%[171]. - The company has implemented a comprehensive reputation risk management system, continuously improving its mechanisms for identifying, monitoring, and controlling reputation risks[165]. Operational Performance - The bank's online banking customer base reached 410,700, a growth of 1.0% year-on-year, with online banking transaction amounts totaling RMB 1.36 trillion, reflecting a year-on-year growth of 4.3%[135]. - The total number of mobile banking customers reached 2.0678 million, an increase of 51.4% compared to the end of the previous year[136]. - The number of mobile banking transactions amounted to RMB 177.606 billion, representing a year-on-year growth of 111.0%[136]. Regulatory Compliance and Risk Management - The anti-money laundering management system has been enhanced, focusing on compliance and effectiveness, with ongoing improvements in internal controls and monitoring systems[167]. - The bank actively managed foreign exchange risk, ensuring that the impact of currency fluctuations on financial conditions remained within acceptable limits[152]. - Liquidity risk management strategies have been enhanced, focusing on improving liquidity management precision and monitoring market changes to mitigate risks[158].