Financial Performance - The total assets of Guizhou Bank reached CNY 533.78 billion by the end of 2022, with total loans amounting to CNY 293.53 billion and total deposits of CNY 326.32 billion[33]. - The bank achieved an operating income of CNY 11.99 billion and a net profit of CNY 3.83 billion for the year, with a tax contribution of CNY 2.38 billion[33]. - Net profit for 2022 was RMB 3,829.46 million, representing a 3.34% increase from RMB 3,705.71 million in 2021[46]. - Total operating income reached RMB 11,989.98 million, reflecting a growth of 2.15% from RMB 11,737.16 million in the previous year[46]. - The bank's total liabilities reached RMB 489,810.81 million, an increase of 5.36% from RMB 464,892.34 million in 2021[47]. - The bank's net profit for the period was CNY 3.83 billion, an increase of CNY 124 million, which is a growth of 3.34% compared to the previous year[53]. - The total amount of loans and advances was CNY 293.53 billion, an increase of CNY 43.04 billion, reflecting a growth of 17.18% year-on-year[53]. - The bank's total operating income for the year ended December 31, 2022, was RMB 11,989.98 million, a slight increase from RMB 11,737.16 million as of December 31, 2021[131]. Loan and Deposit Growth - The balance of loans to the real economy reached CNY 176.07 billion, an increase of 22.42% year-on-year[24]. - The balance of inclusive small and micro enterprise loans reached CNY 37.935 billion, growing by 36.04%, with the number of loan accounts increasing by 78.12% to 32,700[27]. - The total personal deposits reached CNY 149.106 billion, an increase of CNY 27.393 billion, or 22.51% year-to-date[62]. - Personal loan balance increased to RMB 38.902 billion, up RMB 4.989 billion, with a growth rate of 14.71%[123]. - The balance of loans supporting rural revitalization was CNY 50.949 billion, an increase of CNY 4.056 billion, or 8.65% year-to-date[59]. - The balance of green loans for corporate clients was CNY 46.42 billion, with a growth rate of 33.16%, accounting for 21.52% of corporate loans[24]. - The balance of financing for the real economy was CNY 176.070 billion, an increase of CNY 32.247 billion, or 22.42% year-to-date[57]. Risk Management - The non-performing loan ratio stood at 1.47%, with a provision coverage ratio of 351.21%, both exceeding the national average for commercial banks[33]. - The bank's non-performing loans (NPL) amounted to RMB 43.22 billion, an increase of RMB 14.41 billion, resulting in a non-performing loan ratio of 1.47%, up by 0.32 percentage points from the previous year[121]. - The bank's focus on risk management led to an increase in the amount of loans under special attention to RMB 79.04 billion, up by RMB 29.58 billion year-over-year[121]. - The company has established a comprehensive risk management policy to enhance credit risk management and optimize the credit management organizational structure[135]. - The bank has established a "three lines of defense" framework for operational risk management, with the first line being business departments responsible for direct management[140]. Digital Transformation - The bank's digital transformation efforts included the establishment of a dedicated digital finance department and a three-year digital transformation plan, enhancing online service capabilities[29]. - The bank's digital transformation efforts led to significant improvements in operational support capabilities and system security, achieving the longest continuous and secure operation record since its establishment[38]. - The bank aims to enhance its digital transformation strategy, focusing on integrating financial technology with business management to improve service efficiency and competitiveness[50]. - The bank's digital transformation efforts led to significant improvements in data support capabilities, with zero late reports for regulatory submissions in 2022[163]. Green Finance Initiatives - The company is committed to the development of green finance, aligning with the "green bank," "Equator bank," and "carbon-neutral bank" strategies[24]. - The issuance of the second batch of CNY 3 billion green financial bonds was successfully completed[24]. - The bank's green loan balance reached CNY 46.630 billion, an increase of CNY 11.659 billion, with a growth rate of 33.34%[165]. - The bank issued green financial bonds worth CNY 3 billion to support key projects in modern industry, water quality improvement, ecological tourism, and green agriculture[165]. Customer Engagement and Services - The number of personal deposit customers exceeded 10.88 million, marking a significant milestone[25]. - A total of 2.71 million third-generation social security cards were issued, ranking second in the province with a market share of 14.68%[25]. - The bank conducted 2,733 consumer education activities, distributing 157,800 promotional materials, reaching 1.5045 million consumers[160]. - The bank received a total of 1,836 customer complaints, achieving a resolution rate of 100%[161]. - The bank organized 744 sessions focused on inclusive financial knowledge, reaching 108,700 consumers and distributing 75,200 promotional materials[166]. Shareholder Structure - As of December 31, 2022, the total share capital of the bank was 14,588,046,744 shares, with 12,388,046,744 domestic shares (84.92%) and 2,200,000,000 H shares (15.08%)[170]. - The top shareholder, Guizhou Provincial Finance Department, held 2,668,500,000 shares, representing 18.29% of the total issued shares[172]. - The ownership structure reflects a concentration of shares among a few major state-owned entities[175]. - The largest shareholder, Qianxinan Prefecture State-owned Assets Supervision and Administration Commission, holds 310,487,000 H shares, representing 14.11% of the total issued share capital[174].
贵州银行(06199) - 2022 - 年度财报