证券代码： 001227 证券简称：兰州银行 | --- | --- | --- | --- | |------------|---------------|-------------|---------------| | | | | 编号：2023-02 | | | √特定对象调研 | □分析师会议 | | | 投资者关系 | □媒体采访 | □业绩说明会 | | | 活动类别 | □新闻发布会 | □路演活动 | | | | □现场参观 | | | □其他（请文字说明其他活动内容） 安信证券 李双 参与单位名称 广发基金 胡昕宇 及人员姓名 时间 2023 年 7 月 4 日 地点 兰州银行总行 25 楼会议室 上市公司接待 人员姓名 董事会秘书、相关部门负责人及工作人员 1.二季度以来，信贷主要投向了哪些领域或行业？后续信贷投放重 点会不会有差异？ 二季度以来，我行信贷主要投向的领域或行业包括：制造业，批发零 售业，建筑业，水利、环境和公共设施管理业，租赁和商务服务业，文化、 体育和娱乐业，电力、热力、燃气及水生产和供应业，交通运输、仓储和 邮政业，农、林、牧、渔业等，上述行业投放金额占二季度累计投放金 ...

证券代码： 001227 证券简称：兰州银行 兰州银行股份有限公司投资者关系活动记录表 编号：2023-03 √特定对象调研 □分析师会议 □媒体采访 □业绩说明会 □新闻发布会 □路演活动 □现场参观 □其他（请文字说明其他活动内容） 投资者关系 活动类别 汇丰证券 孙怡 参与单位名称行健资管 Gideon Lo 及人员姓名鹏扬基金 张文钊 国海富兰克林 赵宇烨 时间 2023 年 7 月 5 日 地点 兰州银行总行 21 楼会议室 上市公司接待 人员姓名 董事会秘书、相关部门负责人及工作人员 1.一带一路主题中，贵行是否有参与？主要参与哪些项目？基建投放 情况以及投放价格是怎样的？ 兰州银行作为甘肃省规模最大的商业银行，充分受益于"一带一路"、 "西部大开发"国家级发展战略。通过融入"一带一路"倡议、新时代西部大 开发、黄河流域生态保护，聚焦"十四五"规划重点领域和项目，兰州银行 积极服务国家重大发展战略，紧跟区域战略布局，深度支持地方重大项目 建设。截至 2022 年末，兰州银行落地甘肃省"三张清单"内重点项目 80 投资者关系活动主 个，授信金额 264.66 亿元，贷款余额 168.13 亿元，先后 ...

证券代码： 001227 证券简称：兰州银行 | --- | --- | --- | --- | --- | |------------|---------------|-------------|--------|---------| | | | | 编号： | 2023-01 | | | □特定对象调研 | □分析师会议 | | | | | □媒体采访 | √业绩说明会 | | | | 投资者关系 | | | | | | 活动类别 | □新闻发布会 | □路演活动 | | | | | □现场参观 | | | | □其他（请文字说明其他活动内容） 参与单位名称 及人员姓名 通过网络互动参与本次业绩网上说明会的各类投资者 时间 2023 年 5 月 18 日 地点 全景网"投资者关系互动平台"（http://ir.p5w.net） 1.兰州银行 党委书记、董事长许建平 2.兰州银行 党委副书记、行长蒲五斤 3.兰州银行 独立董事方文彬 4.兰州银行 董事会秘书张少伟 上市公司接待 人员姓名 5.兰州银行 风险管理部总经理高晓民 6.兰州银行 计划财务部总经理高雪梅 7.保荐代表人曾琨杰 8.保荐代表人田斌 1 ...

兰州银行股份有限公司关于召开 2022 年度 暨 2023 年第一季度业绩说明会的公告 本行及董事会全体成员保证公告内容的真实、准确和完整，没有虚假记载、 误导性陈述或者重大遗漏。 兰州银行股份有限公司（以下简称"本行"）已于2023年4月29日披露了本行 2022 年 年 度 报 告 和 2023 年 第 一 季 度 报 告 ， 相 关 内 容 详 见 巨 潮 资 讯 网 （http://www.cninfo.com.cn）。 证券代码：001227 证券简称：兰州银行 公告编号：2023-020 一、网上业绩说明会的安排 为使广大投资者能够进一步了解本行2022年度和2023年一季度的经营情况， 本行定于2023年5月18日（星期四）15:00-16:00在全景网举办2022年度暨2023年 第一季度网上业绩说明会（以下简称"说明会"）。本次说明会将采用视频直播和 网络互动方式，投资者可登陆"全景路演"（http://rs.p5w.net/）参与。 出席本次说明会的人员有：董事长许建平先生、行长蒲五斤先生、董事会秘 书张少伟先生、计划财务部总经理高雪梅女士、风险管理部总经理高晓民先生、 独立董事方文彬先生 ...

Financial Performance - The average daily balance of loans and advances (excluding discounts) reached RMB 197,089,253 thousand, with interest income of RMB 11,184,309 thousand and an average yield of 5.67% in 2022, compared to RMB 189,910,822 thousand, RMB 11,167,755 thousand, and 5.88% in 2021[1] - Corporate loans amounted to RMB 142,742,884 thousand, generating interest income of RMB 8,216,896 thousand at an average yield of 5.76%, while personal loans totaled RMB 54,346,369 thousand with interest income of RMB 2,967,413 thousand at 5.46%[1] - Interest expenses for the reporting period were RMB 12.703 billion, an increase of RMB 347 million or 2.81% year-on-year, primarily due to the expansion of deposit absorption and interbank business[2] - Non-interest net income decreased to RMB 1.562 billion, down RMB 261 million or 14.32% year-on-year, mainly due to a reduction in fair value changes[5] - Net commission and fee income was RMB 365 million, a decrease of RMB 19 million or 4.84% year-on-year, influenced by macroeconomic factors[6] - Business and management expenses totaled RMB 2.324 billion, an increase of RMB 49 million or 2.17% year-on-year, with employee expenses rising by 5.51% to RMB 1.444 billion[8] - The company loan balance was RMB 149.248 billion, an increase of RMB 14.745 billion or 10.96% year-on-year, accounting for 65.88% of total loans, up 3.66 percentage points[16] - The bank's total equity reached 31.920 billion RMB, an increase of 2.911 billion RMB or 10.04% compared to the previous year[32] - The bank's net cash inflow from financing activities was -1.002 billion RMB, with cash inflows of 1.969 billion RMB, a significant increase from the previous year, mainly due to increased cash inflows from investment absorption[33] - The bank's cash outflows amounted to 2.971 billion RMB, a decrease of 312 million RMB from the previous year, mainly due to reduced cash outflows for debt repayment[33] - The net profit attributable to shareholders for 2022 was RMB 1.73 billion, representing a 10.71% increase compared to the previous year[174] Asset and Liability Management - As of December 31, 2022, total assets reached RMB 435,926,402 thousand, an increase of RMB 35,585,831 thousand or 8.89% from the previous year[14] - The bank's total liabilities reached 404.007 billion RMB, an increase of 32.674 billion RMB or 8.80% compared to the previous year[26] - The bank's bond payable balance was 17.846 billion RMB, an increase of 2.047 billion RMB or 12.96% from the beginning of the year, primarily due to an increase in the issuance of interbank certificates of deposit[30] - The company's total liabilities reached CNY 404,007 million, an increase of CNY 326,740 million or 8.80% from the beginning of the year[55] - The company's total deposits amounted to CNY 323,070 million, an increase of CNY 174,150 million or 5.70% from the beginning of the year, with personal deposits increasing by CNY 175,060 million or 9.08%[57] Loan Portfolio and Quality - The non-performing loan ratio decreased by 0.02 percentage points to 1.71% at the end of the reporting period, with the proportion of substandard loans increasing by 0.04 percentage points to 0.70%[38] - The bank's loans were primarily concentrated in the construction industry, real estate, and wholesale and retail sectors, accounting for 10.54%, 8.58%, and 8.48% of total loans, respectively[40] - The proportion of personal loans in the total loan amount decreased to 25.15%, down 3.14 percentage points from the end of the previous year, with personal loans amounting to CNY 56,982,420 million, a decrease of CNY 41,760 million or 6.83%[47] - The bank's normal loans totaled RMB 209.89 billion, accounting for 92.65% of the total loans[96] - The bank's attention loans amounted to RMB 12.79 billion, representing 5.64% of the total loans[96] - The bank's single largest borrower accounted for 1.07% of the total loans and advances, while the top ten borrowers accounted for 7.58%[78] - The total amount of loans to the top ten borrowers was RMB 17.175 million, representing 48.47% of the bank's total loans and advances[78] Risk Management - The bank has established a robust risk management framework to address various risks, including credit risk, market risk, and operational risk[116] - The bank aims to enhance risk monitoring and early warning management to proactively address potential credit risks[117] - The bank's credit risk loss provisions at the end of the reporting period amounted to RMB 7.551 billion, an increase from RMB 7.179 billion at the end of the previous year[82] - The bank's loan loss provision balance stood at RMB 7,552 million, with RMB 7,551 million attributed to loans measured at amortized cost[105] Strategic Initiatives and Growth - The bank aims to enhance its service efficiency and quality, focusing on three transformation directions: lightweight, digitalization, and greening[176] - The bank has implemented a strategy to strengthen credit risk identification and enhance credit resource allocation[174] - The bank's new strategic plan focuses on six major projects: customer development, retail transformation, asset quality improvement, external enhancement, technology empowerment, and management strengthening[194] - The bank's commitment to supporting the real economy and reducing costs has been emphasized, reflecting its social responsibility during economic downturns[192] - The bank's successful listing on the Shenzhen Stock Exchange main board marks a significant milestone in its 25-year history[197] Digital Transformation - The bank launched a new bill system and an online factoring financing service called "Lanzhou Chain Credit," and implemented 11 online loan risk control models[199] - Lanzhou Bank's digital transformation efforts include the full launch of an accounting operation monitoring system and the production of a digital confirmation system[199] - The bank's focus on data-driven decision-making is evident in its detailed user profiling and the establishment of a robust data project group[199]

Financial Performance - In Q1 2023, Bank of Lanzhou achieved total operating revenue of RMB 1,999,546,000, an increase of 11.98% compared to the same period last year[9] - The net profit attributable to shareholders of the listed company was RMB 540,911,000, reflecting a growth of 10.45% year-on-year[9] - The net profit after deducting non-recurring gains and losses was RMB 514,332,000, a decrease of 2.56% compared to the previous year[9] - The bank's basic earnings per share for Q1 2023 was RMB 0.0844, an increase of 8.21% year-on-year[9] - The total comprehensive income attributable to shareholders of the parent company for Q1 2023 was approximately $531.23 million, up from $427.65 million in Q1 2022, indicating a growth of around 24.2%[61] - The net profit attributable to shareholders of the parent company for Q1 2023 was approximately $540.91 million, compared to $489.71 million in Q1 2022, representing an increase of about 10.4%[61] - The net profit for Q1 2023 was CNY 555,026,841.18, compared to CNY 504,909,879.54 in Q1 2022, reflecting an increase of approximately 9.8%[77] Asset and Liability Management - The bank's total assets at the end of Q1 2023 reached RMB 462,288,591,000, representing a growth of 6.05% from the end of the previous year[20] - The total liabilities amounted to RMB 429.82 billion, which is a 6.39% increase compared to the end of the previous year[47] - The company’s loan and advance receivables stood at CNY 229,894,776,936.42 as of March 31, 2023, up from CNY 220,131,223,933.25 at the end of 2022, indicating a growth of approximately 4%[75] - The adjusted on-balance and off-balance sheet asset balance was RMB 488.01 billion, up from RMB 460.90 billion at the end of 2022[44] Loan and Deposit Growth - The company’s total loans and advances issued were RMB 229.90 billion, marking a growth of 4.44% year-on-year[47] - The net increase in customer deposits and interbank placements for Q1 2023 was approximately $20.63 billion, significantly higher than $6.78 billion in Q1 2022, reflecting a substantial increase in liquidity[63] - The deposits from interbank and other financial institutions rose by 50.17% to RMB 18,486,882 thousand as of March 31, 2023[31] Risk Management - The non-performing loan ratio improved to 1.70%, down by 1 basis point from the end of 2022[27] - The provision coverage ratio increased to 196.68%, up by 1.69 percentage points from the end of 2022[27] - The non-performing loan ratio was 1.70% as of December 31, 2022, remaining below the regulatory limit of 5%[42] Cash Flow and Liquidity - The net cash flow from operating activities was RMB 3,129,783,000, a significant improvement from a negative cash flow of RMB 819,288,000 in the previous year[9] - The liquidity coverage ratio stood at 120.21% as of December 31, 2022, exceeding the regulatory requirement of 100%[42] - The total cash and cash equivalents at the end of Q1 2023 amounted to RMB 6,384,799,113.88, compared to RMB 4,651,951,448.40 at the end of Q1 2022[69] Operational Efficiency - The company is advancing its digital transformation strategy and improving data governance to enhance operational efficiency[48] - The company plans to continue expanding its market presence and investing in new technologies to enhance operational efficiency and customer service[77] Income and Expenses - The net income from fees and commissions was RMB 123 million, representing an increase of 18.45% compared to the same period last year[48] - The total operating expenses for Q1 2023 were CNY 1,375,809,988.26, compared to CNY 1,228,063,250.12 in Q1 2022, marking an increase of about 12%[77] - The company reported a 92.03% increase in commission and fee expenses, rising from RMB 17,652 to RMB 33,898[69] Strategic Initiatives - The company launched a "carbon emission rights pledge loan" to enhance its green credit offerings[48] - The company did not report any significant new strategies or product developments during the quarter[72]

Financial Performance - In Q3 2022, the operating income of Bank of Lanzhou decreased by 8.75% year-on-year to CNY 1,881,257,000, while the total operating income for the first nine months of 2022 decreased by 4.97% to CNY 5,684,896,000[10]. - The net profit attributable to shareholders of the listed company in Q3 2022 increased by 2.63% year-on-year to CNY 516,442,000, with a year-to-date net profit of CNY 1,346,202,000, reflecting a growth of 7.37%[10]. - The basic earnings per share for the first nine months of 2022 was CNY 0.20, reflecting a decrease of 1.15% compared to the same period last year[12]. - The net profit for the first nine months of 2022 was RMB 1,379,947,989.65, an increase of 6.7% compared to RMB 1,293,133,546.17 in the same period of 2021[51]. - The total comprehensive income for the first nine months was RMB 1,600,519,790.63, a decrease of 3.3% compared to RMB 1,655,030,293.80 in the same period of 2021[55]. Cash Flow - The net cash flow from operating activities for the first nine months of 2022 was CNY 4,210,278,000, showing a significant decline of 53.71% compared to the previous year[10]. - The net cash flow from operating activities for the group was RMB 4.21 billion, a decrease from RMB 9.10 billion year-on-year, indicating a decline of approximately 53.8%[57]. - The cash inflow from investment activities totaled RMB 22.17 billion, while cash outflow was RMB 24.22 billion, resulting in a net cash flow from investment activities of approximately -RMB 2.05 billion[57]. - The net cash flow from financing activities was -RMB 730.86 million, compared to -RMB 2.98 billion in the previous year, showing an improvement of about 75.5%[57]. Assets and Liabilities - The total assets of Bank of Lanzhou as of September 30, 2022, reached CNY 437,117,932,000, representing a year-on-year increase of 9.19%[12]. - The total liabilities increased by 9.10% year-on-year to CNY 405,140,258,000, while total deposits rose by 6.01% to CNY 324,014,657,000[14]. - As of September 30, 2022, total liabilities amounted to RMB 405.14 billion, an increase from RMB 371.33 billion in the previous period, reflecting a growth of approximately 9.1%[49]. - Customer deposits reached RMB 324.01 billion, up from RMB 305.65 billion, indicating a growth of about 6.4%[49]. Investment and Income - The investment income increased by 33.50% year-on-year, reaching 1,265,646 thousand RMB[19]. - Net interest income increased to RMB 4,267,588,271.11 from RMB 4,637,141,934.61, reflecting a decline of 7.9% year-over-year[51]. - Net fee and commission income rose to RMB 275,611,271.68, up 6.4% from RMB 259,897,647.26 in the previous year[51]. - The group received RMB 21.93 billion from investment recoveries, which is a significant increase compared to RMB 13.13 billion in the same period last year[57]. Capital and Equity - The company’s total equity attributable to shareholders of the parent company increased by 10.33% year-on-year to CNY 31,677,428,000[14]. - The total equity attributable to shareholders increased to RMB 31.68 billion from RMB 28.71 billion, representing a growth of approximately 10.3%[49]. - The company’s core tier 1 capital adequacy ratio was 8.78%, down from 9.05% at the end of 2020[21]. - The total capital adequacy ratio was 11.63% as of December 31, 2021, down from 13.26% at the end of 2020[21]. Loan Performance - The company’s personal loans decreased by 7.78% year-on-year to CNY 56,398,141,000, while corporate loans increased by 9.10% to CNY 169,139,062,000[12]. - The total amount of non-performing loans was RMB 3.86 billion, representing 1.71% of total loans[30]. - The non-performing loan ratio stood at 1.71%, with a provision coverage ratio of 198.34%[31]. Strategic Initiatives - The company plans to accelerate its strategic transformation and expand its market presence[32].

Financial Performance - The total operating income for the first half of 2022 was CNY 3,803,639,000, a decrease of 2.99% compared to CNY 3,920,695,000 in the same period of 2021[26] - The net profit for the first half of 2022 reached CNY 848,800,000, representing a 9.74% increase from CNY 773,498,000 in the first half of 2021[26] - The company achieved a net profit of 830 million RMB in the first half of 2022, representing a year-on-year growth of 10.54%[49] - Net profit reached 849 million RMB, an increase of 75 million RMB or 9.74% year-on-year, while net profit attributable to shareholders was 830 million RMB, up 79 million RMB or 10.54%[62] Assets and Liabilities - The total assets as of June 30, 2022, amounted to CNY 433,070,903,000, an increase of 8.18% from CNY 400,340,571,000 at the end of 2021[26] - The total liabilities were CNY 401,860,861,000, reflecting an 8.22% increase from CNY 371,332,411,000 at the end of 2021[26] - The net assets attributable to shareholders of the parent company were CNY 30,894,503,000, up 7.60% from CNY 28,711,661,000 at the end of 2021[26] - The company's total assets reached RMB 433.07 billion, an increase of RMB 32.73 billion or 8.18% compared to the beginning of the year[104] Earnings and Dividends - The basic earnings per share for the first half of 2022 was CNY 0.13, a 3.01% increase from CNY 0.12 in the same period of 2021[26] - The company does not plan to distribute cash dividends or issue bonus shares for the 2022 interim period[5] Cash Flow - The net cash flow from operating activities was CNY 6,827,765,000, a significant increase of 45.44% compared to CNY 4,694,424,000 in the first half of 2021[26] - The company reported a net increase in cash and cash equivalents of CNY 363,116 thousand, a turnaround from a decrease of CNY 2,139,924 thousand in the same period last year, marking a 94.04% increase in the ending balance of cash and cash equivalents to CNY 3,649,508 thousand[145] Loans and Advances - The total loans and advances issued as of June 30, 2022, amounted to RMB 212,661,430, reflecting a 1.21% increase from the end of 2021[33] - Corporate loans and advances increased by 6.72% to RMB 165,448,712 compared to the end of 2021[33] - Personal loans and advances decreased by 12.84% to RMB 53,304,385 compared to the end of 2021[33] - The balance of loans and advances was 212.661 billion RMB, reflecting a year-to-date increase of 1.21%[50] Non-Performing Loans - The non-performing loan ratio as of June 30, 2022, was 1.71%, slightly down from 1.73% at the end of 2021[34] - The non-performing loan ratio improved to 1.71%, a decrease of 0.02 percentage points from the beginning of the year[52] Income and Expenses - Interest income amounted to 9.523 billion RMB, an increase of 667 million RMB or 7.53%, primarily due to the expansion of discount and interbank business[75] - Interest expense increased by 864 million RMB or 14.81%, leading to a net interest income of 2.825 billion RMB, down 197 million RMB or 6.51%[63] - The company maintained a strong control over operating expenses, which decreased by 167 million RMB or 5.40% to 2.936 billion RMB[65] - The bank's credit/asset impairment losses totaled RMB 1.75 billion, with loan and advance impairment losses accounting for 95.45% of the total[98] Capital Adequacy and Ratios - The capital adequacy ratio as of June 30, 2022, was 11.61%, compared to 11.56% at the end of 2021[38] - The liquidity coverage ratio was 165.35% as of June 30, 2022, up from 153.69% at the end of 2021[42] - The weighted average return on equity was 2.79%, slightly down from 2.80% in the same period of 2021[26] Client Growth and Digital Transformation - The company added 12,000 corporate clients and 102,000 individual clients during the reporting period[50] - The company is focusing on digital transformation and enhancing its financial technology capabilities to support business growth[59] Investment and Other Income - The company generated commission income of 233 million RMB, a year-on-year increase of 17.25%[52] - The company reported a significant increase in investment income of 792 million RMB, up 183 million RMB or 30.25% year-on-year[63] - The company's other business income decreased by 1.981 billion RMB or 48.00%, reflecting challenges in asset disposal income which fell by 8.259 billion RMB or 75.77%[65] Branch and Staff Information - The company operates a total of 159 branches, with total assets amounting to RMB 23,535 million at the main branch[197] - The company has a total of 15 branches and 159 sub-branches, employing a total of 1,500 staff[197]

Financial Performance - In 2021, the company achieved an operating income of 7.836 billion RMB, a historical high[23]. - The net profit attributable to shareholders reached 1.566 billion RMB, a year-on-year increase of 4.90%, marking the highest in three years[23]. - Operating income for 2021 was CNY 7.84 billion, up 7.29% from the previous year[30]. - The net profit attributable to shareholders was CNY 1.57 billion, representing a year-on-year growth of 4.90%[30]. - The net profit reached 1.603 billion RMB, up by 70 million RMB, representing a growth of 4.58% compared to the previous year[88]. - The net profit attributable to shareholders of the parent company was 1,566,053 thousand RMB, reflecting a 4.90% increase from 1,492,850 thousand RMB in 2020[43]. - The net cash flow from operating activities significantly improved to RMB 12,520,648 thousand, a 368.48% increase from a negative RMB 4,663,481 thousand in 2020[43]. Asset and Liability Growth - The total assets of the company exceeded 400 billion RMB, reaching 400.341 billion RMB, with a growth rate of 10.49%[23]. - As of the end of 2021, Lanzhou Bank's total assets reached CNY 400.34 billion, an increase of 10.49% from the beginning of the year[30]. - The total liabilities rose by 10.88% to RMB 371,332,411 thousand, compared to RMB 334,887,262 thousand in 2020[43]. - The group's total assets reached RMB 400.34 billion, an increase of RMB 38.02 billion or 10.49% compared to the previous year[124]. - The group's total liabilities of the group reached 371.33 billion RMB, an increase of 36.45 billion RMB, or 10.88% year-on-year[138]. Loan and Deposit Information - The company’s deposit balance was 305.655 billion RMB, an increase of 6.74%[23]. - The loan balance stood at 216.186 billion RMB, reflecting an increase of 11.32%[23]. - The bank's deposits amounted to CNY 305.66 billion, growing by 6.74% year-on-year[30]. - The loan balance was CNY 216.19 billion, reflecting an increase of 11.32% compared to the previous year[30]. - The bank's total loans to corporate clients amounted to RMB 134.50 billion, representing a year-on-year growth of 8.90%[128]. - The bank's loan balance reached 210.12 billion CNY, with a market share of 10.10%, ranking second in Gansu Province[71]. Non-Performing Loans and Asset Quality - The non-performing loan ratio improved to 1.73%, continuing a three-year downward trend[23]. - The non-performing loan ratio stood at 1.73%, a decrease of 0.02 percentage points from the beginning of the year[32]. - The non-performing loan ratio decreased to 1.73% in 2021, compared to 1.75% in 2020, remaining below the regulatory cap of 5%[54]. - The bank's total asset quality improved, with a significant reduction in the migration rate of loans classified as special mention to 18.56% in 2021 from 30.55% in 2020[54]. - The overdue loans amounted to RMB 10,488,755 thousand, accounting for 4.85% of total loans, a decrease of 0.70 percentage points compared to the beginning of the year[174]. Strategic Initiatives and Future Plans - In 2022, the company aims to focus on "lightweight, digital, and green" strategies to accelerate innovation and transformation[27]. - The company plans to implement six major projects to enhance asset quality, retail transformation, and customer development[27]. - The bank plans to focus on enhancing quality and efficiency, expanding scenarios, and driving income growth in strategic areas such as small and micro finance and rural revitalization[34]. Risk Management - The company has optimized its comprehensive risk management framework, focusing on credit risk, market risk, operational risk, liquidity risk, compliance risk, reputation risk, information technology risk, and strategic risk[189]. - Credit risk is identified as the primary risk faced by the company, with a management goal to effectively identify, measure, monitor, report, and control credit risk within acceptable limits[190]. - The company has established a robust internal capital adequacy assessment process to align capital levels with risk preferences and management levels[189]. Digital Transformation and Innovation - The bank's focus on digital transformation was recognized with multiple awards, including the "Best Financial Digital Transformation Practice Award" in 2021[64]. - The bank has established a comprehensive digital transformation strategy, implementing 37 software development projects and optimizing 84 business system functions[82]. - The bank's mobile banking active users reached 1.75 million, with significant growth in transaction volumes, including a 118% increase in transaction counts and a 112% increase in transaction amounts[82].

Financial Performance - Total operating income for Q1 2022 was CNY 1,785,589, a decrease of 1.58% compared to the same period last year[10]. - Net profit attributable to shareholders was CNY 489,712, representing a significant increase of 94.05% year-on-year[10]. - Net profit attributable to shareholders after deducting non-recurring gains and losses was CNY 527,839, up 72.73% from the previous year[10]. - The net profit for Q1 2022 was RMB 505 million, representing a growth of 89.26% year-over-year[26]. - The company reported a total profit of approximately ¥555.97 million for Q1 2022, compared to ¥210.32 million in Q1 2021, marking a significant increase of 164.00%[55]. - The total comprehensive income for Q1 2022 was approximately ¥442.85 million, compared to ¥293.47 million in Q1 2021, representing an increase of 50.93%[57]. Earnings and Shares - Basic earnings per share increased to CNY 0.08, a 100% rise from CNY 0.04 in the previous year[10]. - The company reported a total of 5,695,697,168 shares outstanding, with a diluted earnings per share of CNY 0.08 based on the latest share count[12]. - The basic earnings per share for Q1 2022 was ¥0.08, up from ¥0.04 in Q1 2021, reflecting a 100% increase[57]. Assets and Liabilities - Total assets at the end of Q1 2022 reached CNY 412,741,559, an increase of 3.10% from the end of the previous year[10]. - Total liabilities amounted to CNY 381,322,218, reflecting a 2.69% increase year-on-year[14]. - The bank's total liabilities reached RMB 381.32 billion, up from RMB 371.33 billion at the end of 2021, indicating an increase of about 2.7%[52]. - The bank's total equity stood at RMB 31.42 billion, compared to RMB 29.01 billion at the end of 2021, reflecting a growth of approximately 8.4%[52]. Cash Flow - The net cash flow from operating activities was CNY -819,288, a decline of 144.32% compared to the same period last year[10]. - The net cash flow from financing activities in Q1 2022 was RMB 1,953,105 thousand, a significant increase from a negative RMB 39,193 thousand in Q1 2021[38]. - The net cash flow from investing activities improved to RMB 230,021 thousand in Q1 2022 from a negative RMB 2,999,263 thousand in Q1 2021[36]. - Cash inflow from operating activities totaled ¥20.27 billion in Q1 2022, compared to ¥23.46 billion in Q1 2021, reflecting a decline of approximately 13%[60]. - The total cash and cash equivalents at the end of Q1 2022 reached approximately ¥4.65 billion, up from ¥2.82 billion at the end of Q1 2021, marking an increase of about 65%[62]. Customer Deposits and Loans - Customer deposits grew to CNY 315,309,406, marking a 3.16% increase compared to the end of last year[14]. - The bank's customer deposits reached RMB 315.31 billion, an increase from RMB 305.65 billion, showing a growth of approximately 3.4%[52]. - The company issued loans and advances totaling RMB 209.18 billion, a decrease of 0.45% from the previous year[25]. - The loans and advances to customers were reported at RMB 209.18 billion, slightly down from RMB 210.12 billion at the end of 2021[50]. Investment and Income - The bank's commission income for Q1 2022 was RMB 121,859 thousand, a 34.62% increase compared to RMB 90,519 thousand in Q1 2021[36]. - Investment income rose by 55.89% to RMB 399,768 thousand in Q1 2022 from RMB 256,443 thousand in Q1 2021[36]. - The net investment income for Q1 2022 was approximately ¥399.77 million, compared to ¥256.44 million in Q1 2021, indicating a growth of 55.73%[55]. Risk and Compliance - The non-performing loan ratio stood at 1.82%, with a provision coverage ratio of 188.06%[26]. - The capital adequacy ratio was reported at 12.09%, meeting regulatory requirements[26]. - The core tier 1 capital adequacy ratio was 9.14%, up from 8.58% in the previous year[19]. - The bank has not engaged in any entrusted wealth management activities or violations regarding external guarantees during the reporting period[45][46]. - There were no non-operational fund occupations by controlling shareholders or related parties reported[46].