2017-04-26 16:00Financial Performance - Net profit attributable to shareholders of the parent company was RMB 14,199 million, a year-on-year increase of 3.60%[7] - Operating income for the quarter was RMB 36,229 million, down 9.73% from the same period last year[7] - Basic earnings per share were RMB 0.39, up 2.63% from the previous year[7] - The total comprehensive income for the group was RMB 14,716 million, an increase from RMB 12,586 million in Q1 2016, marking a rise of 16.9%[43] - The bank's net profit for Q1 2017 is expected to show significant changes compared to the same period last year, although specific figures were not disclosed[30] Assets and Liabilities - Total assets reached RMB 5,956,607 million, an increase of 1.03% compared to the end of last year[6] - The total liabilities amounted to RMB 5,589,864 million, an increase from RMB 5,543,850 million at the end of last year[11] - The total assets of the group reached RMB 59,566.07 billion, an increase of RMB 607.30 billion, or 1.03% compared to the end of the previous year[18] - The total loans and advances amounted to RMB 26,118.88 billion, growing by RMB 1,503.02 billion, or 6.11% year-on-year[18] - The total deposits decreased to RMB 30,505.41 billion, a decline of RMB 317.01 billion, or 1.03% from the previous year[18] Loan and Deposit Details - The balance of personal housing and consumer loans reached RMB 3,971.96 billion, increasing by RMB 387.20 billion, or 10.80%, accounting for 41.58% of personal loans, up by 1.79 percentage points[18] - The balance of savings deposits increased to RMB 5,674.19 billion, up by RMB 268.71 billion, or 4.97%, with a proportion of 18.60%, an increase of 1.06 percentage points[18] - The non-performing loan balance was RMB 43,781 million, up from RMB 41,435 million at the end of last year[11] - The non-performing loan balance was RMB 437.81 billion, an increase of RMB 23.46 billion, or 5.66%, with a non-performing loan ratio of 1.68%, unchanged from the previous year[21] Income and Expenses - Interest income for the first quarter of 2017 reached RMB 56,626 million, up from RMB 49,458 million in the same period of 2016, representing an increase of 4.4%[41] - Net interest income decreased to RMB 20,680 million in Q1 2017 from RMB 24,106 million in Q1 2016, a decline of 14.3%[41] - The bank's interest expenses for Q1 2017 amounted to RMB 35.946 billion, a significant increase of 41.79% compared to RMB 25.352 billion in Q1 2016[30] - The investment income decreased by 73.94% year-on-year, dropping to RMB 1.161 billion from RMB 4.455 billion in the same period last year[30] Cash Flow - Cash flow from operating activities showed a net outflow of RMB 43,896 million, compared to a net inflow of RMB 176,628 million in the same period last year[45] - Cash flow from investing activities resulted in a net outflow of RMB 57,844 million, a decrease from RMB 125,150 million in Q1 2016[47] - Cash flow from financing activities generated a net inflow of RMB 71,184 million, contrasting with a net outflow of RMB 658 million in the same quarter of 2016[47] - The net cash and cash equivalents decreased by 30,795 million in Q1 2017 compared to an increase of 50,935 million in Q1 2016[49] Shareholder Information - The total number of shareholders reached 375,515, indicating a broad base of ownership[23] - The total equity attributable to shareholders of the parent company increased to RMB 356.960 billion as of March 31, 2017, compared to RMB 342.590 billion at the end of 2016, reflecting a growth of 4.23%[38] Regulatory and Risk Metrics - The capital adequacy ratio was 11.63%, meeting regulatory requirements[14] - The leverage ratio improved to 5.40%, up from 5.19% at the end of last year[15] - The provision coverage ratio improved to 155.70%, an increase of 0.29 percentage points year-on-year[21] Other Financial Metrics - The weighted average return on equity was 16.71%, a decrease of 1.23 percentage points year-on-year[8] - The fair value changes in financial assets resulted in a gain of RMB 2.843 billion, contrasting with a loss of RMB 1.754 billion in the previous year[30] - The bank's gold and precious metals holdings increased to RMB 31.217 billion, up 36.44% from RMB 22.880 billion at the end of 2016[32] - The bank's borrowings from the central bank stood at RMB 319.432 billion, slightly up from RMB 315.438 billion at the end of 2016[35]