Financial Performance - The company's operating income for the first quarter reached CNY 845,985,000, representing a year-on-year increase of 12.63%[5] - Net profit attributable to shareholders was CNY 298,510,000, reflecting an 18.80% increase compared to the same period last year[5] - The total operating revenue for Q1 2022 was CNY 845,985,000, an increase from CNY 751,093,000 in Q1 2021, representing a growth of approximately 12.6%[17] - Net interest income for Q1 2022 was CNY 743,872,000, compared to CNY 732,606,000 in Q1 2021, showing a slight increase of about 1.8%[17] - The net profit for Q1 2022 reached CNY 302,227,000, up from CNY 254,480,000 in Q1 2021, indicating a growth of approximately 18.8%[18] - The company reported a basic earnings per share of CNY 0.20, an increase of 11.11% year-on-year[5] Assets and Liabilities - Total assets at the end of the reporting period were CNY 143,388,403,000, up 4.76% from the end of the previous year[5] - The total liabilities increased to CNY 129,250,314,000 as of March 31, 2022, from CNY 123,051,420,000 as of December 31, 2021[17] - The total deposits reached CNY 107,459,773,000, an increase from CNY 100,327,048,000 at the end of the previous year[11] - The total loans amounted to CNY 89,366,793,000, compared to CNY 85,034,312,000 at the end of the previous year[11] Capital and Ratios - The core Tier 1 capital adequacy ratio stood at 14.89%[11] - The capital adequacy ratio as of March 31, 2022, was 17.67%, a decrease from 18.85% as of December 31, 2021[16] - The weighted average return on equity was 2.17%, a decrease of 0.08 percentage points compared to the previous year[5] - The average return on total assets decreased to 0.86% as of March 31, 2022, down from 0.97% as of December 31, 2021[16] - The non-performing loan ratio slightly improved to 1.24% as of March 31, 2022, compared to 1.25% as of December 31, 2021[16] - The provision coverage ratio increased to 260.81% as of March 31, 2022, compared to 252.90% as of December 31, 2021[16] Cash Flow - The net cash flow from operating activities surged by 132.78%, amounting to CNY 1,597,189,000, driven by an increase in customer deposits[5][7] - Net cash flow from operating activities increased to CNY 1,597,189 thousand, compared to a net outflow of CNY 4,872,253 thousand in the same period last year, marking a significant turnaround[22] - Customer deposits and interbank placements net increase reached CNY 8,123,856 thousand, up from CNY 4,696,189 thousand year-over-year, indicating strong customer confidence[22] - Total cash inflow from investment activities was CNY 3,379,861 thousand, down from CNY 4,661,138 thousand in the previous year, reflecting a decrease in investment recovery[23] - Cash outflow from investment activities was CNY 6,073,299 thousand, compared to CNY 7,493,994 thousand in the same period last year, showing a reduction in investment spending[23] - Net cash flow from financing activities was negative CNY 498,114 thousand, a decline from a positive CNY 3,680,193 thousand in the previous year, indicating increased debt repayments[23] - The total cash and cash equivalents at the end of the period stood at CNY 9,195,497 thousand, down from CNY 9,485,423 thousand year-over-year[23] - The net increase in cash and cash equivalents was negative CNY 1,605,759 thousand, compared to a decrease of CNY 4,022,107 thousand in the same quarter last year, showing improved cash management[23] Shareholder Information - The number of ordinary shareholders at the end of the reporting period was 40,520[8] - Interest, fees, and commissions received amounted to CNY 1,345,463 thousand, slightly up from CNY 1,307,634 thousand year-over-year, indicating stable revenue from core operations[22] - The net increase in customer loans and advances was CNY 4,447,780 thousand, compared to CNY 3,660,702 thousand in the previous year, reflecting growth in lending activities[22] - The company reported a significant increase in cash received from investment recoveries, totaling CNY 3,323,680 thousand, although this was lower than the previous year's CNY 4,596,441 thousand[23]

Financial Performance - The total operating income for 2021 was RMB 3,310,241 thousand, representing a 10.02% increase compared to 2020[21]. - The net profit for 2021 reached RMB 1,294,943 thousand, reflecting a growth of 15.66% year-over-year[21]. - Total assets as of the end of 2021 amounted to RMB 136,867,516 thousand, a 5.68% increase from the previous year[21]. - The total liabilities increased by 4.05% to RMB 123,051,420 thousand at the end of 2021[21]. - Shareholder equity rose by 22.77% to RMB 13,816,096 thousand compared to the end of 2020[21]. - Total deposits reached RMB 100,327,048 thousand, marking a 10.57% increase from the previous year[21]. - The total loan amount was RMB 85,034,312 thousand, which is a 10.97% increase year-over-year[21]. - Basic earnings per share increased by 9.88% to CNY 0.89 in 2021 compared to CNY 0.81 in 2020[22]. - The net asset return rate decreased by 0.10 percentage points to 10.33% in 2021 from 10.43% in 2020[22]. - The capital adequacy ratio improved by 0.60 percentage points to 18.85% in 2021, up from 18.25% in 2020[26]. - The non-performing loan ratio decreased to 1.25% in 2021 from 1.32% in 2020, a reduction of 0.07 percentage points[24]. - The provision coverage ratio increased by 18.49 percentage points to 252.90% in 2021 compared to 234.41% in 2020[24]. - Total operating income for Q4 2021 was CNY 865,242,000, with net profit attributable to shareholders at CNY 383,646,000[28]. Risk Management - The company has no foreseeable major risks and has implemented measures to manage various risks effectively[7]. - The bank has established a comprehensive credit risk management system covering the entire loan process, including loan acceptance, credit rating, due diligence, and post-loan management[111]. - The bank's liquidity risk management includes regular stress testing and daily monitoring of liquidity indicators, ensuring a robust liquidity position[116]. - The bank's market risk management involves setting risk limits based on market exposure and implementing a comprehensive monitoring system for risk alerts[118]. - The bank has optimized its non-performing loan management strategies, including setting reasonable control targets and implementing tailored solutions for risk loans[114]. - The bank's risk management framework has been strengthened by revising internal control regulations and establishing a risk preference and limit indicator system[112]. Digital Transformation and Technology Investment - The bank's technology investment reached a new high, focusing on digital transformation and enhancing data governance capabilities[37]. - The company is focused on digital transformation, planning a "three-step" strategy to evolve into a digital bank by the end of the 14th Five-Year Plan[44]. - The bank has enhanced its digital risk control capabilities by establishing a centralized monitoring project and improving risk data management[114]. - The company introduced digital loan products such as "Citizen Loan," "Cloud Insurance Loan," and "Cloud Business Loan," enhancing customer loan convenience[127]. - The company is investing in new technology development, allocating 50 million for R&D in the next fiscal year[156]. Corporate Governance - The company’s governance structure includes a board of 17 members and a supervisory board of 9 members, ensuring compliance with legal regulations[139][140]. - The company held three shareholder meetings during the reporting period, passing 24 resolutions[139]. - The company’s governance practices were verified by Zhejiang Bank Law Firm during the annual shareholder meeting[144]. - The company has maintained a consistent governance structure with a focus on compliance and regulatory approval for board appointments[161]. - The company has established a compensation committee under the board to formulate remuneration policies based on performance evaluations[160]. Future Outlook and Strategic Goals - In 2022, the company expects a net profit growth of over 10%[134]. - The bank aims to enhance its digital capabilities and deepen its transformation towards retail banking and digital reforms[133]. - The company plans to focus on supporting the local economy and providing targeted financial products and services[132]. - The bank will continue to improve asset quality and expects a slight stabilization in interest margins[132]. - The company is exploring potential mergers and acquisitions to strengthen its competitive position, with a focus on companies that align with its strategic goals[150]. Employee and Training Initiatives - The total number of employees in the parent company is 2,131, with a combined total of 2,238 employees including major subsidiaries[178]. - The company conducted 994 training sessions during the reporting period, accumulating 2,548 hours of training with 28,822 participants[181]. Social Responsibility and Sustainability - The company is committed to fulfilling social responsibilities, as detailed in the 2021 Social Responsibility Report available on the Shanghai Stock Exchange website[199]. - The company promotes energy-saving practices in daily management and advocates for low-carbon living through green office initiatives[197]. - The company has implemented green credit products, such as pollution rights mortgage loans, to enhance environmental protection and improve local ecological systems[197].

Financial Performance - The company's operating revenue for Q3 2021 was CNY 902,979,000, representing an increase of 18.39% compared to the same period last year[6]. - The net profit attributable to shareholders for Q3 2021 was CNY 368,231,000, reflecting a year-on-year growth of 13.82%[6]. - The net profit attributable to shareholders after deducting non-recurring gains and losses was CNY 356,567,000, up by 12.07% year-on-year[6]. - Total operating income for the first three quarters of 2021 reached CNY 2,444,999 thousand, an increase of 7.8% compared to CNY 2,266,746 thousand in the same period of 2020[33]. - Net profit attributable to shareholders of the parent company increased to CNY 887,486 thousand, a rise of 13.3% from CNY 784,080 thousand in the previous year[34]. - The bank's total comprehensive income for the first three quarters was CNY 987,322 thousand, compared to CNY 610,487 thousand in the previous year[34]. Assets and Liabilities - The total assets at the end of Q3 2021 reached CNY 137,711,691,000, marking a 6.33% increase from the end of the previous year[9]. - Total assets increased to RMB 137,711,691 thousand as of September 30, 2021, from RMB 129,516,172 thousand as of December 31, 2020, marking a growth of approximately 6.3%[28]. - The total liabilities as of September 30, 2021, were RMB 124,296,031 thousand, compared to RMB 118,262,856 thousand as of December 31, 2020, reflecting an increase of about 5.9%[29]. - Total liabilities rose to 118,324,711, reflecting an adjustment of 61,855[43]. Equity and Capital - The equity attributable to shareholders at the end of Q3 2021 was CNY 13,188,748,000, which is a 19.60% increase compared to the previous year[9]. - The total equity attributable to shareholders increased to RMB 13,188,748 thousand as of September 30, 2021, from RMB 11,027,612 thousand as of December 31, 2020, representing a growth of approximately 19.6%[29]. - The core tier 1 capital adequacy ratio was 15.45% as of September 30, 2021, compared to 14.66% as of December 31, 2020, indicating improved capital strength[21]. Earnings and Returns - The basic earnings per share for Q3 2021 was CNY 0.25, an increase of 4.17% year-on-year[8]. - The weighted average return on equity for Q3 2021 was 2.86%, a decrease of 0.22 percentage points compared to the same period last year[8]. - The average return on total assets was 0.89% for the period ending September 30, 2021, compared to 0.94% for the same period in 2020[21]. - Basic and diluted earnings per share increased to CNY 0.63, up from CNY 0.58 in the same period last year[34]. Cash Flow - The net cash flow from operating activities for the year-to-date was CNY -5,034,391,000, showing a significant decline of 415.56% year-on-year[9]. - The net cash flow from operating activities was negative at CNY -5,034,391 thousand, a decline from CNY 1,595,408 thousand in the previous year[38]. - Investment cash inflow totaled CNY 23,050,211 thousand, up from CNY 20,280,650 thousand year-on-year[38]. - The net cash flow from financing activities was CNY 3,256,797 thousand, an increase from CNY 2,424,841 thousand in the same period of 2020[39]. - The bank's cash and cash equivalents at the end of the period stood at CNY 10,224,971 thousand, compared to CNY 5,758,930 thousand at the end of the same period last year[39]. Asset Quality - The non-performing loan ratio decreased to 1.26% as of September 30, 2021, down from 1.32% as of December 31, 2020, showing enhanced asset quality[21]. - The company reported a provision coverage ratio of 251.95% as of September 30, 2021, compared to 234.41% as of December 31, 2020, indicating a strong buffer against potential loan losses[21]. Shareholder Information - The total number of ordinary shareholders at the end of the reporting period was 47,397[14].

Financial Performance - The total operating income for the first half of 2021 was CNY 1,542,020,000, representing a 2.53% increase compared to CNY 1,503,999,000 in the same period last year[25]. - The net profit for the first half of 2021 reached CNY 527,863,000, which is a 13.85% increase from CNY 463,654,000 year-on-year[25]. - The basic earnings per share for the first half of 2021 was CNY 0.38, an increase of 11.76% from CNY 0.34 in the same period last year[26]. - The company achieved operating revenue of 1.54 billion RMB, an increase of 2.53% year-on-year[42]. - Net profit attributable to shareholders reached 519.25 million RMB, up 12.75% compared to the previous year[47]. - The total comprehensive income for the first half of 2021 was CNY 539,926, compared to CNY 454,092 in the same period last year, indicating a growth of 18.9%[175]. Asset and Liability Growth - The total assets at the end of the reporting period amounted to CNY 136,153,325,000, reflecting a 5.12% growth from CNY 129,516,172,000 at the end of the previous year[25]. - The total deposits increased to CNY 100,192,528,000, marking a 10.42% rise from CNY 90,734,906,000 year-on-year[25]. - The total loans reached CNY 82,920,982,000, which is an 8.21% increase compared to CNY 76,629,389,000 in the previous year[25]. - Total liabilities were 123,147,197, up from 118,262,856 year-on-year[68]. - The company's total equity increased to CNY 13,006,128 thousand, with a net increase of CNY 1,759,532 thousand during the period[92]. Risk Management - The company has taken various measures to effectively manage and control risks, including credit risk, market risk, liquidity risk, and operational risk[7]. - The non-performing loan ratio decreased to 1.29%, down by 0.03 percentage points from the previous year[29]. - The provision coverage ratio improved to 247.83%, an increase of 13.42 percentage points year-on-year[29]. - The company established a risk management system with a focus on comprehensive risk management and digital risk control transformation[36]. Cash Flow and Investment - The company reported a net cash flow from operating activities of CNY -6,736,021,000, a significant decrease compared to CNY -554,792,000 in the same period last year[25]. - The company reported a significant increase in fundraising activities, with net cash flow from financing activities rising by 65.72% to 4.70 billion RMB[42]. - Cash flow from financing activities showed a net increase of 4,702,788 thousand RMB, up from 2,840,377 thousand RMB in the previous year[187]. Shareholder Information - The total number of shares before the change was 1,358,419,427, and after the issuance of 150,935,492 new shares, the total increased to 1,509,354,919[134]. - The largest shareholder, Shaoxing Keqiao Tiansheng Investment Management Co., Ltd., holds 101,428,589 shares, representing 6.72% of the total[140]. - All limited sale shares held by the top ten shareholders will become tradable in June 2024, after a 36-month lock-up period[143]. Strategic Initiatives - The company implemented a "three-step" strategy for digital transformation, aiming to evolve from "having data" to becoming a "digital bank" during the 14th Five-Year Plan[37]. - 瑞丰银行推出绿色信贷产品，如排污抵押贷款，以支持企业低碳生产和生态建设[111]. - 瑞丰银行计划在未来加大对智慧农业和乡村基础设施项目的信贷支持力度[116].