公告编号：临2023-046 证券代码：600000 证券简称：浦发银行 转债代码：110059 转债简称：浦发转债 优先股代码：360003 360008 优先股简称：浦发优1 浦发优2 3. 《公司关于与中国移动通信集团有限公司关联交易的议案》 上海浦东发展银行股份有限公司 第七届董事会第五十六次会议决议公告 本公司董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈述 或者重大遗漏，并对其内容的真实性、准确性和完整性承担个别及连带责任。 上海浦东发展银行股份有限公司（以下简称"公司"）第七届董事会第五十 六次会议于2023年8月25日以书面传签方式召开，会议通知及会议文件于2023年 8月16日以电子邮件方式发出。应参加会议董事12名，实际参加会议董事12名， 符合《公司法》及《公司章程》关于召开董事会法定人数的规定，表决所形成的 决议合法、有效。 公司监事、高级管理人员通过审阅会议资料方式列席本次会议。 会议审议并经表决通过了： 1.《公司关于修订<员工行为守则>的议案》 同意：12票 弃权：0票 反对：0票 2. 《公司关于修订<客户信用风险违约管理办法>的议案》 同意：12票 弃权：0票 反 ...

1．同意分别给予中国移动集团、烟草集团、东航集团综合授信额度人民币 90亿元、270亿元、270亿元，授信期限1年。上述关联交易属于公司的日常银行 业务，具体交易条款按公平原则协商订立。相关条款符合国家相关法律法规和监 管机构的要求，交易公允，没有发现存在损害股东合法利益的情形。 2.上述关联交易对公司持续经营能力、损益及资产状况不构成重要影响，不 存在损害其他股东合法利益的情形。 上海浦东发展银行股份有限公司 独立董事关于关联交易事项的独立意见 根据《公司法》《银行保险机构公司治理准则》《上市公司独立董事规则》 《上海证券交易所股票上市规则》及《公司章程》的有关规定，作为上海浦东发 展银行股份有限公司（以下简称"公司"）的独立董事，我们认真审阅了《关于 与中国移动通信集团有限公司关联交易的议案》《关于与中国烟草总公司关联交 易的议案》《关于与中国东方航空集团有限公司关联交易的议案》的有关文件资 料。鉴于中国移动通信集团有限公司（以下简称"中国移动集团"）、中国烟草 总公司（以下简称"烟草集团"）、中国东方航空集团有限公司（以下简称"东 航集团"）为公司关联法人，上述交易构成关联交易，我们发表如下独立意见： ...

公告编号：临2023-048 证券代码：600000 证券简称：浦发银行 转债代码：110059 转债简称：浦发转债 优先股代码：360003 360008 优先股简称：浦发优1 浦发优2 上海浦东发展银行股份有限公司 关联交易公告 本公司董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈述 或者重大遗漏，并对其内容的真实性、准确性和完整性承担个别及连带责任。 重要内容提示： 一、关联交易概述 根据原中国银行保险监督管理委员会《银行保险机构公司治理准则》《银行 保险机构关联交易管理办法》、《上海证券交易所股票上市规则》，以及《公司章 程》《公司关联交易管理办法》等相关规定，公司核定：（1）给予中国移动通信 集团有限公司（以下简称"中国移动集团"）综合授信额度人民币 90 亿元，占公 司最近一期经审计净资产的 1.29%，因单笔交易金额超过 1%，构成重大关联交易。 （2）给予中国烟草总公司（以下简称"烟草集团"）综合授信额度人民币 270 亿 元，占公司最近一期经审计净资产的 3.87%，因单笔交易金额超过 1%，构成重大 关联交易。（3）给予中国东方航空集团有限公司（以下简称"东航集团"）综合 授信 ...

公告编号：临2023-047 证券代码：600000 证券简称：浦发银行 转债代码：110059 转债简称：浦发转债 优先股代码：360003 360008 优先股简称：浦发优1 浦发优2 2.《公司关于修订<客户信用风险违约管理办法>的议案》 同意：9票 弃权：0票 反对：0票 3.《公司关于与中国移动通信集团有限公司关联交易的议案》 上海浦东发展银行股份有限公司 第七届监事会第五十五次会议决议公告 本公司监事会及全体监事保证本公告内容不存在任何虚假记载、误导性陈述 或者重大遗漏，并对其内容的真实性、准确性和完整性承担个别及连带责任。 上海浦东发展银行股份有限公司（以下简称"公司"）第七届监事会第五十 五次会议于 2023 年 8 月 25 日以书面传签方式召开，会议通知及会议文件已于 2023 年 8 月 16 日以电子邮件方式发出。会议应参加表决监事 9 名，实际参加表 决监事 9 名。本次会议符合《公司法》和《公司章程》关于召开监事会法定人数 的规定，表决所形成的决议合法、有效。 会议审议并经表决通过了： 1.《公司关于修订<员工行为守则>的议案》 同意：9 票 弃权：0 票 反对：0 票 同意：9票 ...

Financial Performance - Net profit attributable to shareholders of the parent company was RMB 15,831 million, a decrease of 18.35% year-on-year[2] - Operating income for Q1 2023 was RMB 48,079 million, down 3.85% from the same period last year[2] - Total profit amounted to RMB 19.507 billion, a year-on-year decline of 14.22%[11] - Net profit for the first quarter of 2023 was RMB 12,768 million, compared to RMB 19,597 million in the same period of 2022, reflecting a decrease of 34.9%[33] - The total comprehensive income for Q1 2023 was RMB 13,665 million, down from RMB 18,261 million in Q1 2022, reflecting a decline of 25.4%[34] Asset and Liability Management - Total assets reached RMB 8,862,440 million, an increase of 1.81% compared to the end of 2022[2] - The total liabilities reached RMB 8,140.69 billion, up from RMB 7,997.88 billion, indicating a growth of about 1.78%[18] - The total deposits amounted to RMB 4,895.97 billion, compared to RMB 4,826.48 billion at the end of 2022, reflecting an increase of approximately 1.43%[18] - The company reported a total loan balance of RMB 4,976.21 billion, slightly up from RMB 4,900.66 billion, marking a growth of about 1.54%[18] Loan and Credit Quality - The non-performing loan ratio remained stable at 1.52%[3] - The provision for loan impairment to non-performing loans ratio increased to 160.78%, up 1.74 percentage points[3] - The non-performing loan ratio stood at 1.52%, unchanged from the previous year-end[11] - Non-performing loans totaled RMB 75,554 million, representing a non-performing loan ratio of 1.52%[26] Capital and Liquidity - The core Tier 1 capital adequacy ratio was 9.09% at the end of the reporting period[11] - The capital adequacy ratio was reported at 13.04%, above the regulatory minimum of 11%[25] - The liquidity coverage ratio stood at 116.90%, indicating strong liquidity management[24] - Total capital increased to RMB 884,099 million as of March 31, 2023, up from RMB 865,671 million at the end of 2022[20] Operational Efficiency - The weighted average return on net assets decreased by 0.74 percentage points to 2.54%[2] - The cost-to-income ratio increased by 0.85 percentage points to 24.23%[2] - The company maintained a cost-to-income ratio of 24.23%[11] Customer Engagement and Growth - The company established 517 branches in the Yangtze River Delta region, serving 427,000 corporate clients and 55.18 million individual clients[12] - The company’s wealth management AUM reached RMB 3.94 trillion, with personal financial assets exceeding RMB 600 million for over 42,000 clients[14] - The company’s monthly active users (MAU) for mobile banking surpassed 26.26 million, reflecting a strong digital engagement strategy[17] Cash Flow and Investment - Net cash flow from operating activities was RMB 103,419 million, a significant improvement from a negative RMB 274,764 million in the previous year[5] - Cash inflow from operating activities for Q1 2023 was RMB 388,766 million, an increase of 16.6% from RMB 333,411 million in Q1 2022[35] - The net cash flow from investing activities in Q1 2023 was RMB (194,319) million, compared to RMB (42,351) million in Q1 2022, indicating a significant increase in cash outflow[36] Financial Instruments and Investments - The bank's financial investments in debt securities rose to RMB 1,309,945 million as of March 31, 2023, compared to RMB 1,196,691 million as of December 31, 2022, indicating an increase of 9.4%[31] - The bank's derivative financial assets increased to RMB 46,928 million as of March 31, 2023, compared to RMB 42,829 million as of December 31, 2022, reflecting a growth of 9.8%[31] Shareholder Information - The number of ordinary shareholders at the end of the reporting period was 211,836[6] - The bank's equity attributable to shareholders totaled RMB 713,866 million as of March 31, 2023, up from RMB 697,872 million at the end of 2022, representing a growth of 2.4%[32] - The company’s basic earnings per share for Q1 2023 was RMB 0.64, compared to RMB 0.58 in Q1 2022, reflecting an increase of 10.3%[34]

Financial Performance - The company reported total assets exceeding RMB 8.7 trillion, with 42 domestic and international branches established and over 1,700 operating institutions[9]. - The company plans to distribute a cash dividend of RMB 3.20 per 10 shares, totaling approximately RMB 9.393 billion based on the total share capital of 29,352,174,170 shares as of December 31, 2022[6]. - The company ranked 226th in the Fortune Global 500 and 18th in the Banker’s Top 1000 World Banks, reflecting its growing market influence[9]. - The company's operating revenue for 2022 was RMB 188.622 billion, a decrease of 1.24% compared to RMB 190.982 billion in 2021[37]. - The total profit for 2022 was RMB 56.149 billion, down 4.95% from RMB 59.071 billion in 2021[37]. - The net profit attributable to shareholders of the parent company was RMB 51.171 billion, a decline of 3.46% from RMB 53.003 billion in 2021[37]. - The total assets at the end of 2022 reached RMB 8.705 trillion, an increase of 6.98% from RMB 8.137 trillion at the end of 2021[37]. - The total loans amounted to RMB 4.901 trillion, reflecting a growth of 2.39% from RMB 4.786 trillion in 2021[37]. - The non-performing loan ratio improved to 1.52%, down from 1.61% in 2021, indicating better asset quality[37]. - The cash dividend payout ratio for 2022 was 20.50%, a decrease of 4.76 percentage points from 25.26% in 2021[37]. Strategic Focus - The company aims to build a first-class commercial bank with international competitiveness, focusing on high-quality development and service-oriented strategies[8]. - The company emphasizes a three-pillar strategic framework: high-quality development, service as the foundation, and market orientation[9]. - The company plans to continue its focus on high-quality development and long-termism, aligning with national development strategies[14]. - The company aims to enhance its comprehensive financial service capabilities by leveraging various financial licenses, including fund management, trust, and financial leasing[18]. - The company is committed to digital transformation and has emphasized the integration of digital solutions in its operations[18]. - The company aims to transition from a single loan operation to a comprehensive financial service model, focusing on asset under management (AUM) and wealth management services[19]. - The company is committed to enhancing its digital, intelligent, and ecological perspectives in investment and operations to adapt to new technological revolutions[19]. - The company emphasizes the importance of long-termism in its strategy execution to navigate uncertainties and maintain strategic focus[21]. Risk Management - The company has established a comprehensive risk management system, enhancing internal control and compliance across its three main business segments[9]. - The company is focused on improving its risk management and compliance systems to strengthen its internal control mechanisms[25]. - The company has established a long-term mechanism for preventing and resolving major risks, enhancing monitoring of key areas and groups[113]. - The company is enhancing its credit risk management by implementing a new three-year risk preference policy and optimizing its credit policy execution[183]. - The company has strengthened its anti-money laundering measures, optimizing its due diligence system and leveraging financial technology to enhance the quality of anti-money laundering efforts[194]. - The company has established a proactive liquidity risk assessment mechanism, including daily cash flow gap reports and stress testing to enhance its response capabilities[188]. Customer Engagement and Digitalization - The number of personal customers (including credit cards) exceeded 143 million, with personal financial assets under management (AUM) reaching CNY 3.95 trillion[18]. - The monthly active users (MAU) of the mobile banking app increased to 25.35 million, a 44% increase from the beginning of the year[18]. - The company launched 1,538 new API components, resulting in an addition of 4.09 million active customers[55]. - The company has 71.25 million personal mobile banking customers, with 353 million transactions totaling 12.28 trillion yuan during the reporting period[146]. - The company has established 42 first-level branches across 31 provinces, autonomous regions, and municipalities, as well as in Hong Kong, Singapore, and London[145]. - The company has implemented 34 projects to enhance operational support, focusing on marketing support, operational empowerment, risk control, and comprehensive management capabilities[147]. Green Finance and Social Responsibility - The company is committed to supporting key social development areas, including manufacturing, small and micro enterprises, and green low-carbon initiatives[9]. - The balance of green credit exceeded CNY 420 billion, marking a 37% year-on-year growth[17]. - The company is actively involved in green finance innovation and aims to enhance its capabilities in carbon derivatives and green bonds[20]. - The company issued carbon reduction loans of RMB 23.9 billion to 180 projects, resulting in an annual carbon reduction of 5.88 million tons of CO2 equivalent[54]. - The company is focused on improving the quality and compliance of its credit management through ongoing assessments and training initiatives[184]. Operational Efficiency - The company has implemented a vertical management system for auditing, significantly improving the effectiveness of audit supervision[9]. - The company achieved a continuous decline in both non-performing loan balance and non-performing loan ratio for three consecutive years[18]. - The company has improved its internal control management system, enhancing data application in inspections and strengthening risk warning mechanisms[147]. - The company has made significant investments in legal risk management, improving its legal compliance framework and enhancing the training of its legal team[195]. Market Position and Brand Value - Shanghai Pudong Development Bank ranked 9th among Chinese banks in the "Global 1000 Strong Banks" list by The Banker magazine in 2022 based on Tier 1 capital[34]. - The bank's brand value reached $11.074 billion in 2023, ranking it 100th in the "Global Bank Brand 500 Strong" list[34]. - The bank's ESG rating was upgraded from BBB to A by MSCI in 2022, reflecting improved environmental, social, and governance practices[34].

公告编号：临2023-018 证券代码：600000 证券简称：浦发银行 转债代码：110059 转债简称：浦发转债 优先股代码：360003 360008 优先股简称：浦发优1 浦发优2 上海浦东发展银行股份有限公司 关于召开 2022 年度业绩说明会的公告 本公司董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈述 或者重大遗漏，并对其内容的真实性、准确性和完整性承担个别及连带责任。 重要内容提示： （三）会议召开方式：网络互动 （网址：http://roadshow.sseinfo.com/） 上海浦东发展银行股份有限公司（以下简称"公司"）拟于 2023 年 4 月 19 日在上海证券交易所网站（www.sse.com.cn）披露公司 2022 年年度报告。为了 便于广大投资者全面深入地了解公司业绩和经营情况，公司将于 2023 年 4 月 19 日(星期三)下午 15:00-16:30 召开 2022 年度业绩说明会，就投资者普遍关心的 问题进行交流。现将有关事项公告如下： 一、业绩说明会类型 三、业绩说明会参加人员 本次业绩说明会以网络互动方式召开，公司将针对 2022 年度业绩和经营情 ...

Financial Performance - Net profit attributable to shareholders of the parent company for Q3 2022 was RMB 10,288 million, a decrease of 12.05% year-on-year[2] - Basic earnings per share for Q3 2022 was RMB 0.30, down 14.29% compared to the same period last year[2] - The company reported a total profit of CNY 45.46 billion, a decrease of 3.98% year-on-year[11] - The net profit attributable to shareholders of the parent company for the first nine months of 2022 was RMB 40,462 million, down from RMB 41,536 million in 2021, representing a decrease of 2.6%[37] - The net profit for the third quarter of 2022 was RMB 10,524 million, a decrease of 11.7% compared to RMB 11,925 million in the same quarter of 2021[39] - The total comprehensive income attributable to shareholders of the parent company for Q3 2022 was RMB 8,388 million, down from RMB 11,592 million in Q3 2021, representing a decline of 27.5%[41] Asset and Liability Management - Total assets increased to RMB 8,425,347 million, up 3.55% from the end of the previous year[2] - The company’s total liabilities increased by 3.57% to CNY 7,724.52 billion[12] - Total deposits rose by 7.75% to CNY 4,744.38 billion[12] - The total equity attributable to shareholders was RMB 692,017 million, an increase from RMB 670,007 million as of December 31, 2021, showing a growth of around 3.29%[35] Loan and Credit Quality - Total loans amounted to CNY 4,918.01 billion, reflecting a growth of 2.76% year-on-year[12] - Non-performing loan balance was CNY 75.24 billion, with a non-performing loan ratio of 1.53%, down 0.08 percentage points from the previous year[13] - The non-performing loan ratio improved to 1.53%, down 0.08 percentage points from the end of the previous year[3] - The bank's non-performing loan ratio remained stable, reflecting effective risk management strategies in place[35] Income and Expense Analysis - The cost-to-income ratio increased to 26.23%, up 2.09 percentage points year-on-year[3] - Net interest income as a percentage of operating income was 70.71%, an increase of 0.05 percentage points year-on-year[3] - Net interest income for the first nine months of 2022 was RMB 101,592 million, compared to RMB 101,389 million in the previous year, reflecting a growth of 0.2%[36] - The bank's operating expenses for the first nine months of 2022 totaled RMB 98,140 million, an increase from RMB 96,020 million in the previous year[36] Customer Engagement and Digital Transformation - The company is focused on digital transformation and enhancing financial services in key areas such as green finance and rural revitalization[10] - The number of personal customers (including credit cards) reached 141 million, with personal financial assets under management (AUM) totaling RMB 3.96 trillion[16] - The monthly active users of the retail mobile banking app increased to 23.36 million, a 33% increase from the beginning of the year[21] - The company launched a new APP to enhance direct engagement with end consumers in the automotive sector, aiming to boost automotive consumption[22] Capital Adequacy and Liquidity - The company maintained a core Tier 1 capital adequacy ratio of 9.26% and a total capital adequacy ratio of 13.71%[13] - The capital adequacy ratio stood at 13.36%, above the regulatory minimum of 10.5%[30] - The liquidity coverage ratio was reported at 128.41%, indicating strong liquidity position[29] Cash Flow Analysis - The company reported a net cash flow from operating activities of RMB -23,443 million for the year-to-date[5] - The net cash flow from operating activities for the first nine months of 2022 was RMB (23,443) million, compared to RMB (168,910) million in the same period of 2021, showing an improvement[42] - The cash inflow from operating activities for the first nine months of 2022 was RMB 498,750 million, an increase of 6.5% from RMB 468,385 million in the same period of 2021[42] - The total cash and cash equivalents at the end of Q3 2022 was RMB 181,525 million, down from RMB 290,874 million at the end of Q3 2021[43]

Financial Performance - The company reported a total revenue of 50 billion RMB for the first half of 2022, representing a year-on-year increase of 10%[6]. - Net profit attributable to shareholders reached 15 billion RMB, up 12% compared to the same period last year[6]. - The company achieved operating revenue of RMB 98,644 million, an increase of 1.31% compared to the same period last year[15]. - The total profit for the period was RMB 34,533 million, a decrease of 0.54% year-on-year[15]. - Net profit attributable to shareholders of the parent company was RMB 30,174 million, up 1.13% from the previous year[15]. - The company reported non-recurring gains of RMB 348 million, significantly higher than RMB 132 million in the same period last year[13]. - The group achieved net interest income of CNY 68.681 billion, an increase of CNY 1.019 billion, or 1.51% year-on-year[57]. - Total interest income for the period was CNY 150.278 billion, up CNY 0.917 billion, or 0.61% year-on-year[58]. - Non-interest income totaled CNY 146.82 billion, with a notable decrease in fee and commission income by CNY 1.111 billion, or 5.38% year-on-year[68]. Asset and Loan Growth - The bank's total assets amounted to 3 trillion RMB, reflecting a growth of 8% year-on-year[6]. - The total assets reached RMB 8,505,959 million, reflecting a growth of 4.54% compared to the end of the previous year[12]. - The total loans amounted to RMB 4,878,335 million, an increase of 1.93% year-on-year[12]. - The balance of corporate loans (including discounts) was CNY 2.3 trillion, with a year-to-date increase of CNY 1,125 billion[45]. - The balance of consumer loans reached CNY 3.734 trillion, with a year-to-date increase of CNY 430 billion, becoming the primary growth driver for personal loans[45]. - The total amount of loans and advances reached CNY 4.9 trillion, an increase of CNY 922.95 billion, or 1.93% year-on-year[44]. - The balance of retail loans (including credit cards) was RMB 1,881.484 billion, indicating a strong growth trajectory[141]. Risk Management - The non-performing loan ratio remained stable at 1.5%, demonstrating effective risk management[6]. - The company has no foreseeable major risks, with effective measures in place to manage credit, market, and liquidity risks[2]. - The non-performing loan ratio improved to 1.56%, down by 0.05 percentage points from the previous year[12]. - The company has maintained a non-performing loan ratio decline for 10 consecutive quarters, with 60-day and 90-day delinquency rates consistently below 100%[47]. - The company aims to enhance risk management capabilities focusing on "risk reduction, development promotion, strict management, and capability improvement" in the second half of the year[47]. - The company has implemented a risk warning mechanism that includes digital risk monitoring and has established a regular risk warning management system across various departments, enhancing risk prevention capabilities[193]. Digital Transformation and Innovation - The bank plans to expand its digital banking services, aiming for a 20% increase in online transactions by the end of 2023[6]. - The company aims to enhance its digital banking services, focusing on a comprehensive service model that connects all users and provides full-time services[20]. - The retail mobile banking monthly active users (MAU) increased to 22.39 million, a 27% growth compared to the beginning of the year[36]. - The company is enhancing its digital capabilities through the "12345" operational strategy, focusing on management and digital transformation[156]. - The company has implemented a digital transformation strategy, including the establishment of green low-carbon branches and digital twin branches[154]. Customer Base and Service Expansion - Customer deposits increased by 5% to 2.5 trillion RMB, indicating strong customer confidence[6]. - The company served 417,000 enterprise clients and over 54.18 million retail clients in the Yangtze River Delta region, with loan balances of CNY 15,200 billion and deposit balances of CNY 20,300 billion[22]. - The number of personal customers (including credit cards) reached 133 million, showcasing the company's extensive customer base[139]. - The number of active corporate payment settlement clients exceeded 270,000, with total payment settlement volume reaching RMB 33.55 trillion[134]. Green Finance and Sustainability - The company’s green credit balance was 378.5 billion RMB, ranking among the top in the industry, with 144.6 billion RMB in the Yangtze River Delta region[33]. - The company plans to continue supporting green finance and manufacturing sectors while optimizing its credit structure in the second half of the year[46]. - The company has increased green credit issuance to support sustainable development and has strengthened industry research to align with national economic trends[194]. - The company plans to continue strengthening its green finance capabilities and promote carbon neutrality in its operations[181]. Regulatory Compliance and Financial Health - The company maintains a stable credit rating with Moody's at Baa2 and S&P at BBB, indicating strong financial health[9]. - The company has established a special credit quota of CNY 390 billion and direct financing channels of CNY 100 billion to support various market entities during the pandemic[41]. - The company is committed to maintaining asset quality and improving risk management capabilities through digital applications[184]. - The liquidity coverage ratio is 114.98%, indicating a strong liquidity position[124]. Investment and Market Operations - The company executed 53,000 bond transactions, achieving a transaction volume of 2.29 trillion RMB, a 17% year-on-year increase[30]. - The company underwrote 855 bonds with a total underwriting amount of 337 billion RMB, including 223.5 billion RMB in debt financing instruments[28]. - The company achieved a net income of 18.86 billion CNY from financial market operations during the reporting period[145]. - The company issued two credit asset securitization projects during the reporting period, totaling RMB 9.142 billion, to efficiently dispose of non-performing assets[174].

Financial Performance - Net profit attributable to shareholders of the parent company rose by 3.70% to RMB 19,388 million year-on-year[2] - Operating income for the first quarter was RMB 50,002 million, reflecting a 0.97% increase from the same period last year[2] - The company's core Tier 1 capital adequacy ratio stood at 9.54%, showing a steady increase[12] - The company's non-interest income was 15.5 billion yuan, with net fee and commission income contributing 8.325 billion yuan[11] - The total equity attributable to shareholders of the parent company was RMB 687,338 million, an increase of 2.00% from RMB 670,007 million at the end of 2021[31] - The group's net profit for Q1 2022 was RMB 19,597 million, representing a 3.93% increase from RMB 18,857 million in Q1 2021[33] Asset and Liability Management - Total assets increased by 3.52% to RMB 8,423,074 million compared to the end of the previous year[2] - Total liabilities increased to RMB 7.727 trillion yuan, reflecting a growth of 3.60% year-on-year[11] - The total amount of credit assets classified as normal is RMB 4,673,866 million, accounting for 96.25% of total credit assets[26] - The total assets of the company reached RMB 8,423,074 million as of March 31, 2022, an increase from RMB 8,136,757 million at the end of 2021[30] Loan and Credit Quality - The non-performing loan ratio decreased to 1.58%, down by 0.03 percentage points from the previous year[3] - Non-performing loan balance was 76.511 billion yuan, a decrease of 3.18 billion yuan compared to the previous year[12] - The loan provision coverage ratio is reported at 144.80%, above the required minimum of 130%[25] - The company has a loan provision ratio of 2.23%, which is above the regulatory minimum of 1.8%[25] Cash Flow and Liquidity - The company reported a net cash flow from operating activities of -RMB 274,764 million, which is not applicable for year-on-year comparison[4] - The liquidity coverage ratio stood at 109.21%, with qualified liquid assets of RMB 751.717 billion against net cash outflows of RMB 688.348 billion[24] - The cash inflow from operating activities totaled RMB 333,411 million in Q1 2022, a significant increase from RMB 195,305 million in Q1 2021[35] - The cash outflow from operating activities was RMB 608,175 million in Q1 2022, compared to RMB 325,010 million in Q1 2021[35] Customer and Market Position - The total number of common shareholders was 222,729 at the end of the reporting period[5] - The total number of retail customers reached 140 million, with managed personal financial assets (AUM) amounting to RMB 3.78 trillion, and mobile banking monthly active users (MAU) exceeding 20 million[15] - Loan balance in the Yangtze River Delta region reached 1.51 trillion yuan, maintaining the leading position among peers[14] Capital and Financing - The total capital amounted to RMB 848.854 billion, with core Tier 1 capital at RMB 581.293 billion[21] - The company underwrote debt financing tools totaling RMB 114.8 billion, ranking among the top in the market, with a total balance of domestic and foreign merger loans reaching RMB 134.2 billion[15] - The company issued a total of RMB 300 billion in financial bonds in January 2022, with a fixed interest rate of 2.69% for the first tranche[27] Other Financial Metrics - The average return on total assets was 0.24%, and the fully diluted return on equity was 3.23%[20] - The weighted average return on equity decreased to 3.28%, down by 0.07 percentage points year-on-year[2] - The cost-to-income ratio increased to 23.38%, up by 0.80 percentage points compared to the same period last year[2] - The group's credit impairment losses were RMB 14,704 million, a decrease from RMB 15,254 million in Q1 2021, indicating improved asset quality[32]