Financial Performance - Operating revenue for 2019 reached RMB 14,668,044 thousand, an increase of 16.00% compared to RMB 12,645,284 thousand in 2018[16] - Net profit attributable to shareholders of the parent company was RMB 5,800,431 thousand, reflecting a growth of 12.91% from RMB 5,137,277 thousand in the previous year[16] - The net cash flow from operating activities was RMB 6,949,429 thousand, a significant recovery from a negative cash flow of RMB -37,975,484 thousand in 2018[16] - Total assets increased to RMB 560,399,290 thousand, up 11.34% from RMB 503,326,324 thousand at the end of 2018[16] - Basic earnings per share increased to RMB 1.72, a rise of 7.50% compared to RMB 1.60 in 2018[16] - The company achieved an operating income of RMB 14.668 billion and a net profit attributable to shareholders of RMB 5.800 billion for the year[30] - The earnings per share increased to RMB 1.72, up by RMB 0.12 from the previous year, while the net asset value per share rose to RMB 10.58, an increase of RMB 1.31[30] - The bank achieved operating income of RMB 14.67 billion, a year-on-year increase of 16.00%[81] - Net profit attributable to shareholders reached RMB 5.80 billion, up 12.87% from the previous year[82] Risk Management - The company has implemented measures to effectively manage and control various operational risks, including credit risk and liquidity risk[5] - The company emphasized risk management, maintaining stable asset quality and enhancing proactive risk control measures[34] - The bank aims to maximize risk-adjusted returns while maintaining a risk management philosophy of "prudent compliance and full-process control"[117] - The bank maintained stable asset quality with steady growth in credit assets, implementing annual credit business guidance and control plans[121] - The liquidity risk management system was enhanced, with all liquidity indicators meeting or exceeding regulatory requirements, and no liquidity risk events occurred during the year[122] - The bank conducted a comprehensive assessment of operational risks, improving management through self-assessment and monitoring of key risk indicators[124] Capital and Assets - The registered capital of the company is 3,218,028,660 RMB[13] - Total assets reached CNY 560.399 billion, an increase of CNY 57.073 billion, or 11.34% compared to the beginning of the year[40] - The total amount of loans and advances reached RMB 204,515,282 thousand, representing a growth of 20.09% from RMB 170,304,666 thousand in 2018[17] - The total risk-weighted assets amounted to RMB 370.114 billion, with credit risk-weighted assets at RMB 332.476 billion[23] - The bank's total assets increased significantly due to the implementation of new financial instrument accounting standards, affecting the asset scope[69] Shareholder Information - The board of directors proposed a cash dividend of 3.1 RMB per 10 shares, totaling 997,588,884.6 RMB to be distributed to shareholders[2] - The cash dividend amount for 2019 increased by 8.6% compared to 2018, reflecting the company's commitment to providing reasonable returns to investors[134] - The company has a clear profit distribution policy, ensuring that cash dividends will not be less than 10% of the distributable profit each year[132] - The company has maintained a consistent dividend payout ratio over the past three years, with ratios of 18.03% in 2019, 17.89% in 2018, and 16.75% in 2017[132] Compliance and Governance - The annual financial report received a standard unqualified audit opinion from Ernst & Young Hua Ming[2] - The company has no violations of decision-making procedures for providing guarantees[4] - The company reported no significant guarantee matters outside of those approved by the China Banking Regulatory Commission during the reporting period[151] - The company has engaged Ernst & Young Hua Ming as its external auditor for the 2019 fiscal year, with an audit fee of 3.5 million RMB[138] - The bank emphasizes the importance of corporate governance and compliance, with a well-structured board and supervisory system in place[197] Customer and Market Development - The number of retail customers exceeded 10 million, with an addition of 1.96 million customers during the year[34] - The bank established rural financial service stations covering 88 counties, serving over 800,000 farmers with various financial services[157] - The company has actively participated in the "Big Poverty Alleviation" strategy, focusing on financial support for rural development[156] - The company has engaged in various financial services to support local economic development and poverty alleviation efforts[156] Technological Advancements - The company has implemented advanced technologies such as big data and facial recognition to enhance customer experience and risk management[59] - The electronic channel business achieved a diversion rate of 97.64%, indicating strong growth in digital banking services[63] - The company established a comprehensive system platform for asset management, including investment management and risk performance systems[57] Strategic Initiatives - The company plans to focus on small and medium-sized enterprises, with a strategy to drive transformation through big data and green finance[129] - The bank is actively pursuing new product development and technological advancements to stay competitive in the financial sector[200] - Strategic initiatives include potential mergers and acquisitions to bolster market position and operational efficiency[200] Financial Products and Services - The company launched various innovative financial products, including pure debt stable income and exclusive ETC products, enhancing its product offerings[56] - The bank issued RMB 3 billion in green financial bonds, focusing on areas such as forestry development and clean energy[161] Employee and Management Changes - The company appointed Xia Yulin as the new president, with her term starting in September 2019, following the election of Zhang Zhenghai as chairman[193] - The total pre-tax compensation for board members and senior management was reported at 848.89 million yuan, with notable increases in individual holdings due to capital reserve transfers[192] - The company has undergone significant changes in its board composition, with multiple resignations and appointments throughout 2019, indicating a strategic shift in governance[193]

Financial Performance - Net profit attributable to shareholders was RMB 1,505,563 thousand, reflecting a growth of 15.49% year-on-year[4] - Operating income for the first quarter was RMB 4,148,020 thousand, up 17.44% from the same period last year[4] - Basic earnings per share increased to RMB 0.47, a rise of 14.63% compared to the previous year[4] - The bank's net profit for the first quarter of 2020 is not explicitly stated but can be inferred from the increase in retained earnings, which rose to RMB 19,011,751 thousand from RMB 17,506,188 thousand, a growth of approximately 8.58%[27] - Net profit for Q1 2020 was RMB 1,567,724 thousand, representing a 18.0% increase from RMB 1,329,358 thousand in Q1 2019[28] Asset and Liability Management - Total assets reached RMB 564,930,845 thousand, an increase of 0.81% compared to the previous year[4] - The bank's total liabilities were RMB 522,882,580 thousand, an increase of 0.54% compared to the previous year[4] - Total assets as of March 31, 2020, amounted to RMB 564,930,845 thousand, an increase from RMB 560,399,290 thousand as of December 31, 2019, representing a growth of approximately 0.95%[27] - The total liabilities reached RMB 522,882,580 thousand, up from RMB 520,072,107 thousand at the end of 2019, indicating a growth of about 0.35%[27] - The bank's total deposits stood at RMB 337,007,490 thousand, slightly down from RMB 337,582,433 thousand, indicating a decrease of about 0.17%[27] Capital and Liquidity Ratios - The liquidity ratio improved to 105.91%, compared to 97.49% at the end of 2019[9] - The capital adequacy ratio stood at 13.69%, while the tier 1 capital adequacy ratio was 10.93%[8] - The leverage ratio as of March 31, 2020, was 6.51%, an increase from 6.24% in the previous quarter[10] - The coverage ratio for provisions was 278.52% as of March 31, 2020[9] Loan and Deposit Performance - The total loan amount was CNY 212.513 billion, increasing by CNY 7.998 billion or 3.91% from the beginning of the year[20] - The non-performing loan ratio increased to 1.62%, up by 0.17 percentage points compared to the beginning of the year[9] - The total amount of loans classified as normal was CNY 202,924,363, accounting for 95.49% of total loans[12] - Credit impairment losses rose to RMB 1,568,303 thousand, compared to RMB 1,169,875 thousand in the same period last year, indicating a 34.1% increase[28] Cash Flow Analysis - Net cash flow from operating activities was negative at RMB -5,319,932 thousand, compared to RMB 1,126,231 thousand in the previous year[4] - The bank's cash net outflow for the 30-day period was CNY 36,584,078, with qualified liquid assets totaling CNY 102,724,105[11] - The net cash flow from operating activities for Q1 2020 was a negative RMB 5,319,932 thousand, compared to a positive RMB 1,126,231 thousand in Q1 2019, indicating a significant decline[29] - Total cash inflow from investment activities was RMB 101,011,516 thousand, while cash outflow was RMB 101,079,609 thousand, resulting in a net cash flow of negative RMB 68,093 thousand for Q1 2020[29] Shareholder Information - The top ten shareholders held a total of 1,200,000,000 shares, representing a significant portion of the company's equity[13] - Shareholders' equity totaled RMB 42,048,265 thousand, increasing from RMB 40,327,183 thousand, which is a rise of approximately 4.26%[27] Strategic Initiatives - The company has implemented measures to support epidemic prevention and resumption of production, expanding the scope of inclusive financial services[22] - The company is in the process of a non-public issuance of A-shares, pending approval from the China Securities Regulatory Commission[25] - The bank plans to expand its market presence by increasing digital banking services and enhancing customer engagement strategies[28]

Financial Performance - Net profit attributable to shareholders was RMB 4.31 billion, up 15.34% from the same period last year[4] - Operating income for the first nine months was RMB 10.82 billion, representing an 18.58% increase year-over-year[4] - Basic earnings per share increased to RMB 1.34, a rise of 15.52% compared to the previous year[4] - The company reported a net profit of RMB 16,820,309 thousand, up from RMB 14,577,869 thousand, representing a growth of 15.4%[31] - Net profit for the first nine months of 2019 was RMB 4,421,818 thousand, representing a 16.4% increase compared to RMB 3,796,253 thousand in the same period of 2018[32] Asset and Liability Management - Total assets reached RMB 552.72 billion, an increase of 9.81% compared to the previous year[4] - Total liabilities amounted to RMB 513.75 billion, reflecting a 9.90% increase year-over-year[4] - The total amount of deposits reached RMB 327.75 billion, with corporate demand deposits at RMB 116.21 billion[7] - The total loan amount was RMB 199.523 billion, up RMB 29.218 billion or 17.16% year-to-date[22] - Customer deposits reached RMB 331,710,036 thousand, up from RMB 312,478,883 thousand, indicating a growth of 6.4%[31] Capital and Liquidity Ratios - The capital adequacy ratio stood at 13.06%, while the tier 1 capital adequacy ratio was 10.24% and the core tier 1 capital adequacy ratio was 8.89%[9] - The liquidity ratio improved to 88.44% compared to 85.84% at the end of 2018, indicating enhanced liquidity management[10] - The liquidity coverage ratio was reported at 222.15%, demonstrating a strong position to cover short-term cash outflows[13] - The leverage ratio as of September 30, 2019, was 6.09%, an increase from 5.88% in the previous quarter[12] Non-Performing Loans and Credit Risk - The non-performing loan ratio increased to 1.48% from 1.35% at the end of 2018, reflecting a slight deterioration in asset quality[10] - The bank's non-performing loans amounted to CNY 1,335,251,000, which is 0.67% of total loans, indicating ongoing credit risk management efforts[14] - The non-performing loan ratio stood at 1.48%, with a provision coverage ratio of 267.01%, up 0.96 percentage points from the beginning of the year[22] - The company’s non-performing loan ratio remained stable, reflecting effective risk management strategies[31] Cash Flow and Investment Activities - Net cash flow from operating activities was RMB 7.36 billion, a significant recovery from a negative cash flow of RMB 38.49 billion in the previous year[4] - The total cash inflow from operating activities reached RMB 51,105,344,000, significantly higher than RMB 18,208,293,000 in the previous year[34] - The net cash flow from investment activities was negative at RMB 4,136,236,000, contrasting with a positive cash flow of RMB 16,738,305,000 in the previous year[34] - The cash inflow from financing activities totaled RMB 95,263,701,000, while cash outflow for debt repayment was RMB 87,030,000,000[34] Shareholder and Equity Information - The top ten shareholders held a total of 1,000,000,000 shares, with the largest shareholder owning 463,536,466 shares, representing 14.40% of total shares[17] - The company announced a stock buyback plan, with major shareholders committing to purchase at least 10,118,300 shares, 4,336,400 shares, and 2,891,000 shares respectively[26] - As of the report date, the total amount of shares purchased by directors and senior management reached CNY 1,178,400[28] Strategic Initiatives and Future Plans - The company plans to expand its market presence through strategic partnerships and new product offerings in the upcoming quarters[31] - The bank plans to expand its market presence by opening 20 new branches in 2020[33] - Ongoing investments in technology and innovation are expected to enhance operational efficiency and customer experience[31]

Financial Performance - The operating income for the first half of 2019 was RMB 6,764,140,000, an increase of 11.96% compared to RMB 6,041,638,000 in the same period of 2018[17]. - The net profit attributable to shareholders of the parent company reached RMB 2,652,934,000, reflecting a growth of 16.44% from RMB 2,278,430,000 in the first half of 2018[17]. - The basic earnings per share for the first half of 2019 was RMB 0.82, up from RMB 0.71 in the same period last year, representing a growth of 15.49%[15]. - The total profit for the first half of 2019 was RMB 2,820,517,000, which is an increase of 13.67% compared to RMB 2,481,373,000 in the same period of 2018[17]. - The investment income for the first half of 2019 was RMB 777.77 million, a significant increase of 858.78% compared to RMB 81.12 million in the same period of 2018[58]. Cash Flow and Dividends - The net cash flow from operating activities was RMB 13,166,440,000, a significant recovery from a negative cash flow of RMB -24,257,853,000 in the first half of 2018[17]. - The company distributed a cash dividend of RMB 4 per 10 shares, totaling RMB 919,436,760, and also capitalized 4 additional shares for every 10 shares held[2]. Assets and Liabilities - Total assets reached RMB 548.31 billion, an increase of 8.94% from the end of 2018[18]. - The total liabilities amounted to RMB 511.18 billion, reflecting a growth of 9.35% year-over-year[18]. - The company's total assets as of June 30, 2019, were 332.893 billion RMB, up from 312.479 billion RMB at the end of 2018[69]. Risk Management - The company has taken measures to effectively manage and control various operational risks, including credit risk and liquidity risk[3]. - The bank's risk management framework emphasizes a comprehensive approach to identify, assess, and mitigate various risks, ensuring business stability[113]. - The company has implemented measures to monitor and manage credit risk, including quarterly asset quality control plans and dynamic monitoring of potential risks[102]. Loan and Deposit Growth - The total amount of retail loans increased by 6.48% year-over-year, reaching RMB 42.24 billion[18]. - Total deposits reached RMB 332.89 billion, an increase of RMB 20.41 billion or 6.53% from the beginning of the year[68]. - Corporate loans totaled 151.195 billion yuan, an increase of 20.562 billion yuan or 15.74% from the beginning of the year[35]. Shareholder Information - The company’s total equity increased by 3.58% to 37,125,682 thousand RMB as of June 30, 2019, compared to 35,843,274 thousand RMB at the end of 2018[87]. - The total number of shareholders reached 79,522 by the end of the reporting period, up from 79,019 at the end of the previous month[179]. - The top shareholder, Guizhou State-owned Assets Investment Management Company, held 463,536,466 shares, representing 14.40% of the total[180]. Corporate Governance - The bank's board held 4 meetings during the reporting period, with 2 in-person meetings and 2 conducted via communication methods, approving a total of 53 resolutions[134]. - The company’s audit committee convened 2 meetings, approving the 2018 annual report and the 2019 first-quarter report[137]. - The company emphasized compliance risk management and reviewed special reports on large risk exposures and non-performing asset transfers in 2019[143]. Strategic Initiatives - The bank is actively supporting the construction of the Gui'an Green Financial Reform and Innovation Pilot Zone, aiming for high-quality development in green finance[50]. - The bank focuses on transforming its business model with a strategy centered around small and medium-sized enterprises, supported by large corporate finance, retail finance, interbank finance, and investment banking as the "four-wheel drive" approach[126]. - The company plans to continue expanding its market presence and investing in new technologies to enhance its service offerings[72]. Poverty Alleviation Efforts - The company has established over 5,000 rural financial service stations, covering more than 66 impoverished counties and servicing over 400,000 households[164]. - The company has issued financial poverty alleviation loans totaling 2,063.91 million RMB, benefiting approximately 2.69 million impoverished individuals[165]. - The company has supported 158 poverty alleviation industry projects, expected to help around 21,000 registered impoverished households[164]. Changes in Leadership - The company appointed Xia Yulin as the new president, pending regulatory approval, following the resignation of previous executives[200]. - The overall management team underwent changes, with new appointments and resignations impacting the governance structure[200].

Financial Performance - Net profit attributable to shareholders of the parent company was RMB 1,303,627 thousand, up 12.40% year-on-year[4] - Operating income for the first quarter was RMB 3,531,935 thousand, representing a growth of 9.27% compared to the same period last year[4] - The total comprehensive income for the group in Q1 2019 was RMB 1,367,918 thousand, compared to RMB 1,332,158 thousand in Q1 2018, representing an increase of approximately 2.7%[28] - The bank's operating profit for Q1 2019 was RMB 1,475,403 thousand, compared to RMB 1,339,410 thousand in Q1 2018, indicating a growth of approximately 10.1%[27] - The bank's basic and diluted earnings per share for Q1 2019 were RMB 0.57, up from RMB 0.51 in Q1 2018[28] Asset and Liability Management - Total assets reached RMB 526,662,418 thousand, an increase of 4.64% compared to the end of the previous year[4] - Total loans amounted to RMB 185,949,856 thousand, an increase from RMB 170,304,666 thousand at the end of the previous year[7] - Total deposits reached RMB 320,961,659 thousand, up from RMB 312,478,883 thousand at the end of the previous year[7] - The total liabilities of Guiyang Bank as of March 31, 2019, amounted to RMB 490,206,427 thousand, compared to RMB 467,483,050 thousand at the end of 2018, marking an increase of around 4.9%[26] - The total adjusted on-balance and off-balance sheet assets as of March 31, 2019, is CNY 543,621,594,000[12] Loan and Deposit Growth - The retail loan balance reached CNY 38.21 billion, an increase of CNY 1.58 billion or 4.33% compared to the beginning of the year[19] - The balance of inclusive finance loans was CNY 21.04 billion, up CNY 2.81 billion or 15.41% year-to-date[19] - Customer deposits and interbank deposits increased by RMB 6,465,976 thousand in Q1 2019, compared to a decrease of RMB 6,939,373 thousand in Q1 2018[29] Credit Quality - The non-performing loan ratio was 1.46%, slightly up from 1.35% at the end of the previous year[8] - The non-performing loan ratio stood at 1.46%, an increase of 0.11 percentage points from the beginning of the year[18] - The bank's credit impairment losses for Q1 2019 were RMB 1,169,875 thousand, which was not applicable in the same period of the previous year[27] Capital and Ratios - The capital adequacy ratio stood at 12.24%, down from 12.97% at the end of the previous year[8] - The liquidity coverage ratio as of March 31, 2019, is 239.37% with high-quality liquid assets amounting to CNY 77,155,449,000[11] - The leverage ratio as of March 31, 2019, is 6.01%, a decrease from 6.16% as of December 31, 2018, with Tier 1 capital of CNY 33,695,644,000[12] - The weighted average return on equity for ordinary shareholders was 4.37%, a decrease of 0.20 percentage points year-on-year[4] - The weighted average return on equity (annualized) was 17.48%, while the total asset return (annualized) was 1.04%[18] Shareholder Information - The total number of shareholders as of the reporting date is 76,187, with the top ten shareholders holding a combined 50.88% of the shares[13] - The largest shareholder, Guiyang State-owned Assets Investment Management Company, holds 14.40% of the shares, amounting to 331,097,476 shares[13] - The top ten unrestricted shareholders hold a total of 68,968,724 shares, representing a significant portion of the company's equity[14] - The total number of preferred shareholders is 11, with the top ten holding a total of 58,000,000 preferred shares[15] - The preferred shares held by the top shareholder, Bosera Fund - Agricultural Bank, amount to 10,000,000 shares, representing 20% of the preferred shares[15] Financial Products and Investments - The company issued net value-based financial products totaling CNY 4 billion during the reporting period, with the total balance of existing financial products reaching CNY 79.76 billion, a growth of 6.06% from the beginning of the year[19] - The green credit balance was CNY 16.59 billion, reflecting the company's commitment to green finance initiatives[19] Cash Flow and Financing Activities - The net cash flow from operating activities for Q1 2019 was RMB 1,126,231 thousand, a significant recovery from a net outflow of RMB 22,783,602 thousand in Q1 2018[29] - The net cash inflow from investment activities in Q1 2019 was RMB 318,865 thousand, contrasting with a net outflow of RMB 4,353,956 thousand in Q1 2018[30] - The bank issued bonds that generated cash inflow of RMB 39,580,000 thousand in Q1 2019, compared to RMB 19,240,000 thousand in Q1 2018[30] - The net cash flow from financing activities in Q1 2019 was RMB 6,070,391 thousand, a decrease from RMB 8,422,048 thousand in Q1 2018[30] - The net increase in cash and cash equivalents for Q1 2019 was RMB 7,515,906 thousand, compared to a net decrease of RMB 10,006,571 thousand in Q1 2018[30] Strategic Outlook - The total assets of the bank increased significantly, reflecting a robust growth strategy and market expansion efforts[28] - The bank plans to continue enhancing its product offerings and technological advancements to drive future growth[28]

Financial Performance - Net profit attributable to shareholders of the parent company was RMB 5.14 billion, up 13.39% from RMB 4.53 billion in the previous year[15]. - Annual operating income was RMB 12.645 billion, with a net profit attributable to shareholders of RMB 5.137 billion, reflecting a reasonable growth rate in key metrics[25]. - The total profit for 2018 was RMB 5,545,393 thousand, compared to RMB 5,126,690 thousand in 2017, marking an increase of around 8.2%[66]. - The net profit attributable to shareholders of the parent company rose to RMB 5,137,277 thousand in 2018, up from RMB 4,530,676 thousand in 2017, which is an increase of approximately 13.4%[66]. - The bank achieved a net profit of 4.992 billion RMB in 2018, with a distributable profit of 14.898 billion RMB after accounting for retained earnings[123]. Capital and Dividends - The board of directors proposed a cash dividend of 4 RMB per 10 shares, totaling 919,436,760 RMB, and a capital reserve conversion of 4 shares for every 10 shares, increasing registered capital from 2,298,591,900 RMB to 3,218,028,660 RMB[2]. - The bank's cash dividend distribution increased by 21.21% compared to the previous year, reflecting a commitment to shareholder returns[123]. - The bank's profit distribution policy stipulates that at least 10% of the distributable profit will be allocated as cash dividends each year[121]. - The company plans to increase its registered capital from 2.298 billion RMB to 3.218 billion RMB through a capital reserve conversion of 4 shares for every 10 shares held[123]. Risk Management - The company has implemented measures to effectively manage and control various operational risks, including credit, liquidity, market, operational, compliance, information technology, and reputation risks[4]. - The bank has established a comprehensive risk management system that includes credit risk, market risk, operational risk, and liquidity risk, ensuring all business operations are conducted safely and steadily[97]. - Credit risk management has been enhanced with the implementation of differentiated business authorization management and a quarterly monitoring system for credit risk preferences and limits, resulting in stable asset quality[102]. - The liquidity risk management framework has been improved, with no liquidity risk events occurring throughout the year, indicating that liquidity risk is generally controllable[103]. - The bank faces risks including credit risk from bond market defaults and local government debt, as well as liquidity risks due to increased market volatility[120]. Assets and Loans - Total assets reached RMB 503.33 billion, an increase of 8.45% from RMB 464.11 billion at the beginning of the period[15]. - The total loan amount increased by 35.69% to RMB 170.30 billion, with corporate loans rising by 36.79% to RMB 130.21 billion[15]. - The non-performing loan ratio was 1.35%, slightly up from 1.34% in the previous year[16]. - The balance of inclusive small and micro enterprise loans was RMB 182.30 billion, up RMB 53.03 billion, with a growth rate of 41.02%, exceeding the overall loan growth rate by 4.69 percentage points[42]. - The total amount of loans classified as normal increased to CNY 163.59 billion, representing 96.06% of total loans, up 0.59 percentage points from the previous year[86]. Shareholder Information - The total number of ordinary shares as of December 31, 2018, is 2,298,591,900, with 100% of the shares accounted for[148]. - The largest shareholder, Guiyang State-owned Assets Investment Management Company, holds 331,097,476 shares, representing 14.40% of the total shares, with 83,000,000 shares pledged[155]. - The total number of shareholders increased from 76,187 to 77,835 during the reporting period[154]. - The top ten shareholders with limited sale conditions hold a total of 1,000,000,000 shares, with all shares eligible for trading by August 2019[157]. Corporate Governance - The bank's risk management is overseen by Mr. Deng Yong, who serves as the Chief Risk Officer, ensuring compliance and risk mitigation strategies are in place[176]. - The bank emphasizes the importance of regulatory approvals for leadership appointments, reflecting its commitment to governance standards[174]. - The company has a diverse board with members holding various degrees and extensive experience in finance and management[180]. - The board of directors is responsible for regularly reviewing the compliance and effectiveness of the remuneration system for senior management[187]. Employee Information - The total number of employees in the parent company is 5,852, while the total number of employees in major subsidiaries is 622, resulting in a combined total of 6,474 employees[190]. - The professional composition of employees includes 2,365 in management, 3,690 in business, and 419 in support roles, totaling 6,474[190]. - The educational background of employees shows that there are 356 with a master's degree or higher, 4,939 with a bachelor's degree, and 1,077 with an associate degree[190]. - The number of retired employees that the parent company and major subsidiaries need to support is 687[190]. Environmental and Social Responsibility - The company has invested RMB 10.8 billion in poverty alleviation industrial funds, expected to help lift 29,693 registered impoverished households out of poverty[142]. - The company donated over RMB 3.617 million in charitable activities during the reporting period, including RMB 275,000 raised during the "Poverty Alleviation Day" employee donation event[143]. - The company aims to enhance financial services for agriculture and rural areas, establishing a robust support system for poverty alleviation and rural development[145]. - The company successfully issued its first green financial bond in 2018, with a focus on seven key areas including forestry development and clean energy[146].

Financial Performance - Net profit attributable to shareholders increased by 17.14% to CNY 3.73 billion for the first nine months[7] - Operating income for the first nine months was CNY 9.12 billion, reflecting a growth of 1.66% year-on-year[7] - The company reported a net cash flow from operating activities of CNY -38.49 billion for the first nine months, a significant decline from CNY 5.41 billion in the previous year[7] - The net profit attributable to shareholders of the parent company for the first three quarters was RMB 3.73 billion, a year-on-year increase of 17.16%[22] - The net profit for the third quarter of 2018 was RMB 1.48 billion, compared to RMB 1.31 billion in the same period of 2017, reflecting a year-on-year increase of about 12.8%[34] - Guiyang Bank's total operating income for the first nine months of 2018 was RMB 9.12 billion, compared to RMB 8.98 billion in the same period of 2017, indicating a growth of approximately 1.6%[34] - Net profit for the first nine months of 2018 reached CNY 3,637,007, representing a 15.9% increase from CNY 3,140,116 in the same period of 2017[37] Asset and Liability Management - Total assets reached CNY 491.96 billion, an increase of 6.00% compared to the previous year[7] - As of the end of the reporting period, the total assets of the company reached RMB 491.96 billion, an increase of RMB 27.85 billion or 6.00% compared to the beginning of the year[22] - The total liabilities of Guiyang Bank as of September 30, 2018, were RMB 462.89 billion, compared to RMB 438.48 billion at the end of 2017, showing an increase of approximately 5.6%[32] - The bank's total liabilities reached CNY 312,685,762 for the first nine months of 2018, down from CNY 521,565,000 in the same period of 2017[39] Loan and Deposit Growth - Total loans amounted to CNY 160.60 billion, up from CNY 125.51 billion year-on-year[9] - The total loan amount was RMB 160.60 billion, up RMB 35.08 billion or 27.95% year-to-date[22] - The total deposit amount was RMB 310.84 billion, an increase of RMB 13.31 billion or 4.47% compared to the beginning of the year[22] - The balance of retail loans increased by RMB 5.86 billion or 21.34% year-to-date, reaching RMB 33.29 billion[25] - The balance of small and micro enterprise loans increased significantly, with both the loan balance and the number of loan accounts showing substantial growth compared to the same period last year[23] Risk and Capital Management - The non-performing loan ratio increased to 1.46% from 1.34% at the end of the previous year[10] - The non-performing loan ratio was 1.46%, an increase of 0.12 percentage points from the beginning of the year[23] - The provision coverage ratio was 252.28%, a decrease of 17.44 percentage points from the beginning of the year[23] - The capital adequacy ratio stood at 11.52%, slightly down from 11.56% at the end of last year[10] - Guiyang Bank has received approval from the China Securities Regulatory Commission for a non-public issuance of 50 million preferred shares, enhancing its capital structure[30] Income and Interest Metrics - The net interest margin decreased to 2.30% from 2.72% in the same period last year[9] - The weighted average return on equity was 14.12%, a slight decrease from 14.24% year-on-year[7] - The interest income for the first nine months of 2018 reached RMB 16.97 billion, up from RMB 13.96 billion in the same period of 2017, marking an increase of approximately 21.6%[34] - The bank's net interest income for the third quarter of 2018 was RMB 2.68 billion, a decrease from RMB 2.80 billion in the third quarter of 2017, indicating a decline of about 4.5%[34] - Net interest income for Q3 2018 was CNY 2,476,554, down 7.3% from CNY 2,671,587 in Q3 2017[37] Cash Flow and Investment Activities - Cash flow from operating activities showed a net outflow of CNY 38,490,205 for the first nine months of 2018, contrasting with a net inflow of CNY 5,411,596 in the same period of 2017[38] - The net cash flow from investing activities was CNY 16,738,305 for the first nine months of 2018, compared to a net outflow of CNY 29,841,712 in the same period of 2017[39] - The bank issued bonds generating cash inflow of CNY 112,310,000 in the first nine months of 2018, similar to CNY 112,779,755 in the same period of 2017[39] - The bank's cash and cash equivalents at the end of the period totaled CNY 26,058,827, an increase from CNY 20,024,841 at the end of the same period in 2017[39] Intermediary Business Performance - The company achieved intermediary business income of RMB 1.11 billion in the first three quarters[25]

Financial Performance - Operating income for the first half of 2018 reached RMB 6,041,638 thousand, a 6.36% increase compared to RMB 5,680,418 thousand in the same period of 2017[19]. - Net profit attributable to shareholders of the parent company was RMB 2,278,430 thousand, reflecting a 19.79% increase from RMB 1,902,065 thousand in the first half of 2017[19]. - The total assets as of June 30, 2018, amounted to RMB 477,366,417 thousand, representing a 2.86% increase from RMB 464,106,363 thousand at the end of 2017[19]. - The bank's net profit attributable to shareholders for the first half of 2018 was RMB 2.28 billion, reflecting a year-on-year increase of 19.79%[82]. - The bank's operating income for the first half of 2018 was RMB 6.04 billion, up 6.36% from RMB 5.68 billion in the same period of 2017[83]. - The total equity attributable to shareholders of the parent company increased by 10.43% to 27,289.53 million RMB compared to 24,712.39 million RMB at the end of 2017[99]. Risk Management - The company reported that it has effectively managed various operational risks, including credit risk, liquidity risk, market risk, operational risk, compliance risk, information technology risk, and reputation risk[8]. - The company has taken measures to manage and control various operational risks effectively[8]. - The bank's loan impairment provision at the end of the reporting period was RMB 5.11 billion, reflecting a proactive approach to managing credit risk[113]. - The bank has implemented measures to stabilize asset quality, including enhancing risk control and increasing collection efforts on non-performing loans[111]. - The bank's non-performing loan management measures effectively alleviated the pressure of rising non-performing loans, maintaining asset quality control[129]. - The bank's risk management framework includes a three-line defense system to enhance risk management capabilities and ensure compliance with regulations[125]. Shareholder Information - The total number of ordinary shareholders as of the end of the reporting period is 79,796, an increase from 78,287 at the end of the previous month[182]. - The largest shareholder, Guiyang State-owned Assets Investment Management Company, holds 331,097,476 shares, representing 14.40% of the total shares, and has pledged 67,860,000 shares[184]. - The total number of shares with limited sale conditions decreased by 31,334,164 shares, resulting in a total of 1,059,626,805 shares, which is 46.10% of the total shares[176]. - The total number of unrestricted circulating shares increased by 31,334,164 shares, bringing the total to 1,238,965,095 shares, which is 53.90% of the total shares[176]. - The company has a diverse shareholder base, including both state-owned and private entities, reflecting a mix of investment interests[189]. Corporate Governance - The company emphasized enhancing corporate governance and transparency in information disclosure to protect investor interests[139]. - The independent directors provided independent opinions on key matters such as the profit distribution plan and related party transactions, contributing to effective corporate governance[143]. - The board of directors convened 4 meetings, approving 32 resolutions including the annual work report and the 2017 profit distribution plan[142]. - The audit committee held 2 meetings, approving 8 resolutions including the 2017 annual profit distribution plan and the 2018 financial budget[146]. - The supervisory board held 4 meetings, approving 30 resolutions including the annual report and comprehensive risk management report[148]. Operational Highlights - The company distributed cash dividends totaling RMB 758,535,327, amounting to RMB 3.3 per 10 shares, based on a total share capital of 2,298,591,900 shares[6]. - The company launched new net value products, including "Shuangyin Wealth - Pure Bond Stable Income" and "Shuang Investment" during the reporting period[54]. - The company achieved a transaction amount of 163.291 billion RMB through its cloud financial service platform[56]. - The company is focusing on small and micro enterprises, with a strategic shift towards large corporate finance, retail finance, interbank finance, and investment banking[136]. - The company is committed to promoting green office practices and reducing carbon emissions through various initiatives[172]. Legal and Compliance - The company has not faced any significant legal or administrative penalties against its directors, supervisors, senior management, or major shareholders during the reporting period[156]. - During the reporting period, the company was involved in one major pending lawsuit as a third party, with a total amount of RMB 200 million, and seven major pending lawsuits as a plaintiff, totaling RMB 447 million[155]. - The company appointed Ernst & Young Hua Ming as the auditor for the 2018 financial report, with an annual audit fee of RMB 2.3 million[154]. Community and Social Responsibility - The bank provided financing support of CNY 8.01 billion for rural "Group-to-Group" road projects, supporting a total of 35,000 projects and constructing 73,739.39 kilometers by the end of the reporting period[163]. - A total of 2,571,522 individuals were assisted in poverty alleviation, with 1,214 being documented poor individuals receiving loans[164]. - The bank's engagement in poverty alleviation included financial support for infrastructure and assistance to low-income groups, aligning with national strategies[163]. - The company aims to enhance financial support for small and micro enterprises as part of its inclusive finance service system[169].

Financial Performance - Net profit attributable to shareholders of the parent company reached CNY 1,159,859, an increase of 19.95% year-on-year[7] - Operating income for the first quarter was CNY 3,232,266, reflecting an increase of 11.72% compared to the same period last year[7] - The company achieved a total profit of CNY 1.339 billion in the first quarter, representing a year-on-year growth of 19.81%[20] - The net profit attributable to shareholders of the parent company was CNY 1.160 billion, with a year-on-year increase of 19.95%[20] - The net profit for the first quarter was RMB 1,174,679 thousand, representing a year-over-year increase of 20.7% from RMB 973,195 thousand[26] Earnings and Returns - Basic earnings per share increased to CNY 0.51, up 21.43% from CNY 0.42 in the same period last year[7] - The basic earnings per share were CNY 0.51, and the annualized return on average equity was 18.29%[20] - The return on equity (ROE) for the first quarter was approximately 4.4%, compared to 3.8% in the same period last year[26] Asset and Liability Management - Total assets at the end of the reporting period were CNY 460,328,397, a decrease of 0.81% compared to the previous year[7] - The total assets of the company as of March 31, 2018, amounted to RMB 460,328,397 thousand, a slight decrease from RMB 464,106,363 thousand at the beginning of the year[25] - The company's total liabilities were RMB 433,366,221 thousand, down from RMB 438,476,345 thousand at the beginning of the year[25] - The total loans increased to CNY 132.804 billion, reflecting a growth of 5.81% or CNY 7.290 billion compared to the beginning of the year[20] - The total deposits decreased to CNY 290.154 billion, a reduction of CNY 7.376 billion from the beginning of the year[20] Cash Flow and Liquidity - The net cash flow from operating activities was CNY -22,783,602, a significant decline from CNY 7,955,818 in the previous year[7] - The cash inflow from investment activities totaled CNY 101,428,268 thousand, while cash outflow was CNY (97,074,312) thousand, resulting in a net cash flow of CNY 4,353,956 thousand[27] - The cash inflow from financing activities was CNY 19,240,000 thousand, with cash outflow of CNY (10,817,952) thousand, leading to a net cash flow of CNY 8,422,048 thousand[27] - The total cash and cash equivalents at the end of the period amounted to CNY 15,917,781 thousand, down from CNY 25,924,352 thousand at the beginning of the period[27] Loan Quality and Risk Management - The non-performing loan ratio increased to 1.51% from 1.34% at the end of the previous year[11] - The non-performing loan ratio stood at 1.51%, an increase of 0.17 percentage points from the beginning of the year[20] - The provision coverage ratio was 254.17%, a decrease of 15.55 percentage points compared to the beginning of the year[20] Interest Income and Expenses - Interest income for the period was CNY 5.697 billion, an increase of 32.49% due to expanded loan and investment scales[22] - Interest expenses rose to CNY 2.745 billion, an increase of 58.83% attributed to the growth in deposit scale and issuance of bonds and interbank certificates[22] - Net interest income reached RMB 2,958,209 thousand, up 15.1% from RMB 2,571,702 thousand year-over-year[26] Deposits and Customer Activity - The net increase in customer deposits and interbank placements for the group was CNY 19,199,336 thousand, compared to CNY 19,003,535 thousand in the same period last year, reflecting a growth of approximately 1.03%[27] - The net increase in loans and advances to customers was CNY (7,927,650) thousand, compared to a net increase of CNY (2,997,052) thousand in the previous year[27]