建设银行(00939) - 2022 Q1 - 季度财报

Financial Performance - For the three months ended March 31, 2022, operating income was RMB 200,229 million, an increase of 2.50% compared to RMB 195,350 million for the same period in 2021[4] - Net profit for the same period was RMB 87,818 million, reflecting a growth of 5.78% from RMB 83,020 million year-on-year[4] - The net interest income for the period was RMB 159.49 billion, an increase of 8.39% year-on-year[12] - The bank's total comprehensive income for the period was RMB 84.11 billion, compared to RMB 79.90 billion in the same period last year[16] - The pre-tax profit for the three months ended March 31, 2022, was RMB 103,969 million, slightly up from RMB 100,320 million in the same period of 2021, showing a growth of about 2.6%[21] Cash Flow - The net cash flow from operating activities surged to RMB 479,940 million, a significant increase of 89.43% compared to RMB 253,365 million in the previous year[5] - The net cash flow from operating activities for the three months ended March 31, 2022, was RMB 479,940 million, compared to RMB 253,365 million for the same period in 2021, reflecting a significant increase of approximately 89.5%[22] - Cash flow from investment activities for the three months ended March 31, 2022, was a net outflow of RMB 237,532 million, compared to a net outflow of RMB 75,657 million for the same period in 2021[24] - Cash flow from financing activities generated a net inflow of RMB 9,767 million for the three months ended March 31, 2022, down from RMB 19,051 million in the same period of 2021[24] Assets and Liabilities - Total assets as of March 31, 2022, reached RMB 32,012,252 million, up 5.81% from RMB 30,253,979 million at the end of 2021[4] - The total liabilities increased to RMB 29,314,072 million, a rise of 6.06% from the previous year-end[8] - The total liabilities amounted to RMB 29,314,072 million, up from RMB 27,639,857 million, indicating an increase of about 6.1%[18] - The total equity attributable to shareholders was RMB 2,673,273 million, an increase of 3.29% from RMB 2,588,231 million at the end of 2021[4] - The total equity attributable to shareholders was RMB 2,698,180 million as of March 31, 2022, compared to RMB 2,614,122 million as of December 31, 2021, marking an increase of about 3.2%[19] Shareholder Information - The number of ordinary shareholders as of March 31, 2022, was 373,414, with A-share shareholders accounting for 333,719 and H-share shareholders for 39,695[6] - The top 10 ordinary shareholders held a total of 142,590,494,651 H-shares, representing 57.03% of the total[6] Loans and Advances - The total amount of loans and advances issued was RMB 19,746.98 billion, an increase of RMB 939.15 billion or 4.99% compared to the end of the previous year[10] - The balance of inclusive finance loans was RMB 2,024.16 billion, up RMB 150.47 billion from the end of the previous year, with 2.09 million inclusive finance loan customers added[10] - The net increase in loans and advances for the three months ended March 31, 2022, was RMB 944,235 million, compared to RMB 892,630 million in the same period of 2021, indicating an increase of approximately 5.8%[22] Capital and Ratios - The bank's capital adequacy ratio was 17.91%, with a Tier 1 capital ratio of 14.21%, meeting regulatory requirements[12] - The core tier 1 capital ratio as of March 31, 2022, was 13.67%, slightly up from 13.59% at the end of 2021[31] - The leverage ratio as of March 31, 2022, was 7.94%, meeting regulatory requirements[32] - The liquidity coverage ratio for the first quarter of 2022 was 136.06%, an increase of 1.36 percentage points compared to the fourth quarter of 2021[34] - The bank's total liabilities to equity ratio was approximately 10.86 as of March 31, 2022, compared to 10.59 as of December 31, 2021, indicating a slight increase in leverage[19] Deposits - Total deposits reached RMB 23,880.52 billion, an increase of RMB 1,501.71 billion or 6.71% compared to the end of the previous year[10] - The bank's deposits from customers reached RMB 23,880,522 million, an increase from RMB 22,378,814 million, representing a growth of approximately 6.7%[18] Non-Performing Loans - The non-performing loan ratio was 1.40%, a decrease of 0.02 percentage points from the end of the previous year[10] Investment Income - The cash received from investment income for the three months ended March 31, 2022, was RMB 47,953 million, up from RMB 44,326 million in the same period of 2021[24]