Financial Overview - As of June 30, 2022, the total assets of Bank of Jinzhou amounted to RMB 826.55 billion[9]. - The total deposits received by the bank reached RMB 484.63 billion[9]. - The registered capital of the bank was RMB 13.98 billion[9]. - The bank's total liabilities as of June 30, 2022, were RMB 755,561,749 thousand, down 3.0% from RMB 778,651,713 thousand as of December 31, 2021[12]. - The bank's total equity was RMB 70,989,872 thousand, a slight decrease from RMB 71,010,289 thousand as of December 31, 2021[78]. - The bank's total assets at the end of the reporting period were RMB 826.55 billion, a decrease of 2.7% compared to the end of the previous year[16]. Loan and Advance Details - The net amount of loans and advances issued by the bank was RMB 574.79 billion[9]. - The non-performing loan ratio increased to 2.87% as of June 30, 2022, compared to 2.75% as of December 31, 2021[14]. - The total loans and advances amounted to RMB 565,214,542 thousand, a decrease of 2.0% from RMB 576,906,562 thousand as of December 31, 2021, representing 68.4% of total assets[61]. - Corporate loans and advances constituted RMB 491,085,906 thousand, accounting for 86.9% of total loans and advances, down 1.5% from RMB 498,582,405 thousand[63]. - The total amount of guarantee loans decreased to RMB 189,229,925 thousand, representing 33.5% of total loans, down from 39.2% as of December 31, 2021[65]. - The total non-performing loans (NPLs) amounted to RMB 16,225,833 thousand, representing a non-performing loan ratio of 2.87% as of June 30, 2022, an increase of 0.12 percentage points from 2.75% at the end of 2021[80]. Income and Profitability - Net interest income for the six months ended June 30, 2022, was RMB 5,333,791 thousand, a decrease of 6.1% compared to RMB 5,680,604 thousand for the same period in 2021[11]. - The net profit attributable to shareholders of the parent company for the six months ended June 30, 2022, was RMB 266,440 thousand, down 38.0% from RMB 429,890 thousand for the same period in 2021[11]. - The company's operating income for the reporting period was RMB 5.56 billion, with a net profit of RMB 142.40 million, representing a decrease of 23.5% compared to the same period last year[17]. - The provision coverage ratio improved to 177.67% as of June 30, 2022, from 166.82% as of December 31, 2021[14]. - The average return on total assets decreased to 0.03% for the six months ended June 30, 2022, from 0.05% for the same period in 2021[13]. Risk Management - The bank has strengthened risk management and taken measures such as reducing credit ratings and increasing credit enhancement to maintain the safety of credit assets[80]. - The bank's provisions for loan impairment losses totaled RMB 28,828,285 thousand, reflecting a proactive approach to managing credit risk[79]. - The bank's focus on supporting local economic development included timely credit support for businesses affected by the pandemic[82]. - The bank has established a comprehensive risk management framework to effectively identify, assess, monitor, and control various risks, ensuring robust operations and strategic goals[139]. - The market risk management system is designed to identify, measure, and monitor market risks, including interest rate and exchange rate risks, within acceptable limits[143]. Capital Adequacy - The capital adequacy ratio as of June 30, 2022, was 11.61%, slightly up from 11.50% as of December 31, 2021[14]. - The core Tier 1 capital adequacy ratio was 8.36%, an increase of 0.07 percentage points from 8.29% on December 31, 2021[87]. - The total capital adequacy ratio was 11.61%, up 0.11 percentage points from 11.50% on December 31, 2021[88]. Deposits and Funding - The company’s deposits reached RMB 484.63 billion, an increase of 1.8% compared to the end of the previous year[16]. - Customer deposits totaled RMB 473,845,372 thousand, an increase of RMB 8,642,299 thousand or 1.9% compared to RMB 465,203,073 thousand as of December 31, 2021[74]. - The bank's total deposits as of June 30, 2022, were RMB 484,632,287 thousand, compared to RMB 476,072,906 thousand as of December 31, 2021, indicating growth[153]. Operational Performance - The bank's retail business transformation has accelerated, contributing to the growth in personal deposits[74]. - The bank's investment portfolio reached RMB 167,406,462 thousand, with RMB 16,026,344 thousand added in the last three months[145]. - The bank's cash inflows from operating activities totaled RMB 36,887,872 thousand, a decrease of RMB 56,222,716 thousand compared to the previous period[90]. Shareholder Information - The total number of ordinary shares issued by the company is 13,981,615,684, consisting of 10,464,295,684 domestic shares and 3,517,320,000 H shares[170]. - The top ten shareholders of the company hold a total of 8,694,652,073 shares, representing 62.19% of the total equity[173]. - The ownership structure reflects a concentration of control, with the top three shareholders holding over 50% of the total shares[179].
锦州银行(00416) - 2022 - 中期财报