2023-03-30 16:00Financial Performance - The net profit attributable to the bank's shareholders for 2022 was RMB 85.224 billion, representing a year-on-year growth of 11.89%[50]. - The total operating income for 2022 reached RMB 334.956 billion, an increase from RMB 318.762 billion in 2021[60]. - The net interest income for 2022 was RMB 273.593 billion, slightly up from RMB 269.382 billion in 2021[60]. - The proportion of personal banking business revenue increased by 0.68 percentage points to 70.28% in 2022[50]. - The bank achieved a net profit of RMB 85.22 billion, an increase of 11.89% year-on-year[85]. - Total operating income reached RMB 334.96 billion, growing by 5.08% compared to the previous year[86]. - The bank's weighted average return on equity was 11.89%, an increase of 0.03 percentage points year-on-year[85]. - The bank's cash flow from operating activities for 2022 was RMB 474.914 billion, significantly higher than RMB 109.557 billion in 2021[60]. Asset and Liability Management - Total assets exceeded 14 trillion RMB, growing by 11.75% compared to the end of the previous year[6]. - Total liabilities reached 13.24 trillion RMB, an increase of 12.29% from the end of the previous year[6]. - The total equity of the bank reached RMB 825,814 million, an increase of 3.80% year-over-year, primarily due to a net profit of RMB 853.55 million[128]. - The capital adequacy ratio stood at 13.82% as of December 31, 2022, down from 14.78% in 2021[62]. Customer Loans and Deposits - Total customer loans amounted to 7.21 trillion RMB, reflecting an 11.72% growth year-over-year[6]. - Total customer deposits reached 12.71 trillion RMB, up by 11.98% compared to the previous year[6]. - The balance of inclusive small and micro enterprise loans reached CNY 1.18 trillion, up 23.04% year-on-year, with a net increase of 223,800 loan accounts[69]. - Personal loans amounted to RMB 4,046,105 million, growing by RMB 289,520 million or 7.72% year-over-year[110]. Risk Management and Credit Quality - The non-performing loan ratio improved to 0.84% in 2022, compared to 0.82% in 2021[62]. - The company has established an enterprise-level intelligent risk control platform, achieving full coverage of credit risk monitoring for clients[33]. - Credit impairment losses decreased to RMB 35.328 billion, down RMB 11.310 billion or 24.25% year-on-year[102]. Digital Transformation and Innovation - The bank is actively pursuing digital transformation and enhancing its risk management capabilities through intelligent credit systems[20]. - The new generation personal business core system has been fully launched, with a continuous increase in the proportion of self-developed and agile development applications[33]. - The bank is focusing on digital transformation and enhancing data capabilities to drive customer engagement[84]. - The company has launched the "Lize Digital Currency Card" hardware wallet, innovating a new model for digital RMB applications in the Lize Financial Business District[161]. Wealth Management and Customer Engagement - The bank plans to enhance its wealth management services to benefit over 650 million customers, providing a diverse product mix and tailored services[9]. - The bank's wealth management intermediary business income grew by over 40% during the reporting period, reflecting a strong demand for wealth management services[139]. - The bank's mobile banking 8.0 version was launched, providing personalized wealth management services, with 1.01 million customers undergoing wealth assessments[149]. - The bank's asset management plan (including trust plans) reached a scale of RMB 61.54 billion, growing nearly 50% compared to the previous year[143]. Strategic Focus Areas - The bank aims to focus on five differentiated growth areas: rural revitalization, small and micro enterprises, proactive credit, wealth management, and financial markets[8][9]. - The bank is committed to supporting rural revitalization and new urbanization, with a dual-driven strategy for urban and rural markets[32]. - The company is actively involved in rural revitalization projects, enhancing comprehensive financial services for rural communities[33]. - The company aims to enhance its capabilities in rural credit systems and has established 383,500 credit villages, with agricultural loan balance reaching CNY 1.81 trillion[70]. Awards and Recognition - The company received multiple awards, including the Annual Financial Technology Development Award from the People's Bank of China and the Best Retail Bank from Global Finance[41][43]. - The bank has received ratings of A+ from Fitch, A1 from Moody's, and A from S&P Global, all with stable outlooks[28].