2023-03-24 16:00Financial Performance - Net profit attributable to shareholders was RMB 60 billion, representing a growth of 10% compared to the previous year[2]. - Operating revenue for 2022 was RMB 151,632 million, a decrease of 0.73% compared to 2021[18]. - Net profit for 2022 reached RMB 45,040 million, reflecting a growth of 3.21% year-over-year[18]. - The bank's total assets reached RMB 4.5 trillion, an increase of 8% year-on-year[2]. - Total assets reached CNY 6.30 trillion, an increase of 6.75% compared to the previous year[17]. - Total liabilities amounted to CNY 5.79 trillion, growing by 6.88% year-on-year[17]. - The bank's total GDP reached 121.02 trillion RMB, with a growth rate of 3.0% for the year 2022, indicating a stable economic environment[33]. - The bank's net profit attributable to shareholders for 2022 was CNY 448.07 billion, with a net profit of CNY 399.96 billion after deducting dividends and interest[137]. Asset Quality - The non-performing loan ratio stood at 1.5%, a decrease of 0.1 percentage points from the previous year[2]. - The non-performing loan ratio remained stable at 1.25%, unchanged from 2021[18]. - The provision coverage ratio improved to 187.93%, up by 0.91 percentage points from 2021[20]. - The non-performing loan balance increased by 3.308 billion RMB, with a non-performing loan ratio of 1.25%, unchanged from the previous year[40]. - The migration rate for normal loans decreased by 0.17 percentage points to 2.05% compared to the previous year[77]. Digital Transformation and Innovation - The bank plans to expand its digital banking services, aiming for a 20% increase in online transactions in 2023[2]. - The bank's digital payment platform, "E-Payment," has been recognized as an excellent case in the banking industry's digital transformation[12]. - The bank's focus on digital transformation aims to integrate business and technology, enhancing operational efficiency and customer service[36]. - Digital transformation initiatives include the establishment of a digital transformation committee and the launch of various online service platforms[38]. - The bank's technology investment reached 6.127 billion yuan, accounting for 4.04% of operating income, with a year-on-year increase of 5.89%[36]. Customer Base and Services - The bank's customer base grew to 50 million, an increase of 5 million from the previous year[2]. - Retail AUM reached 2.42 trillion RMB, a year-on-year increase of 14.21%[38]. - The number of retail customers grew to 147.0641 million, a year-on-year increase of 5.02%[51]. - The number of users for the cloud payment service grew by 44.91% to 153 million households[38]. - The bank's retail loan balance (excluding credit cards) grew by 7.37% year-on-year, totaling 1,055.390 billion yuan[101]. Risk Management - The bank is focusing on enhancing its risk management framework to mitigate potential market risks[2]. - The bank's risk management strategy emphasizes proactive measures, with a focus on asset quality management and the enhancement of risk monitoring systems[36]. - The bank's strategy includes a comprehensive risk management framework to mitigate financial risks and ensure compliance[17]. Corporate Governance and Social Responsibility - The bank has established a Social Responsibility and Inclusive Finance Management Committee to enhance its corporate social responsibility initiatives[136]. - The bank has been included in the "China ESG 50" list and the Hang Seng A-share Sustainable Development Index, highlighting its commitment to social responsibility[10]. - The bank has committed CNY 9.24 million in donations to support poverty alleviation efforts during the reporting period[130]. Awards and Recognition - The bank has received multiple awards, including the "Outstanding Private Banking Award" and "Best Financial Institution of the Year" in 2022[12]. - The bank ranked 27th in the "Global Bank 1,000" list in 2022, improving by 5 positions from the previous year, entering the top 30[11]. Future Outlook and Strategic Goals - The bank aims for a return on equity of 12% in the upcoming fiscal year[2]. - The bank aims for loan growth of no less than 8% in 2023, contingent on stable operating conditions and regulatory policies[125]. - The bank plans to allocate retained earnings to supplement capital to meet regulatory capital adequacy requirements[138]. Employee and Workforce - The total number of employees at the bank is 47,585, with 912 in subsidiaries and 1,737 retirees[198]. - Among the employees, 70.74% hold a bachelor's degree, while 19.03% have a master's degree or higher[198]. - The bank's employee gender ratio is 43.93% male and 56.07% female, reflecting a commitment to diversity[199].