交通银行(03328) - 2022 Q1 - 季度财报

Financial Performance - Net operating income for Q1 2022 was RMB 73,717 million, a 7.76% increase from RMB 68,410 million in Q1 2021[2] - Net profit attributable to shareholders was RMB 23,336 million, marking a 6.33% increase from RMB 21,946 million year-over-year[2] - Basic earnings per share for Q1 2022 were RMB 0.31, up 3.33% from RMB 0.30 in Q1 2021[2] - The company reported a net profit of RMB 23,338 million for the three months ended March 31, 2022, compared to RMB 22,312 million in the same period of 2021, reflecting a year-on-year increase of 4.6%[25] - Interest income for the first quarter of 2022 was RMB 99,679 million, up from RMB 90,371 million in the first quarter of 2021, representing an increase of 9.4%[24] - The company’s net interest income for the first quarter of 2022 was RMB 42,533 million, compared to RMB 38,553 million in the same period of 2021, indicating a growth of 10.3%[24] - The company’s fee and commission income for the first quarter of 2022 was RMB 14,940 million, compared to RMB 13,772 million in the same period of 2021, marking an increase of 8.5%[24] Assets and Liabilities - As of March 31, 2022, total assets amounted to RMB 12,323,654 million, representing a 5.64% increase from RMB 11,665,757 million as of December 31, 2021[2] - Total liabilities were RMB 11,326,932 million, reflecting a 5.97% increase from RMB 10,688,521 million[2] - Customer loans reached RMB 6,927,971 million, up 5.60% from RMB 6,560,400 million year-over-year[2] - Customer deposits increased to RMB 7,497,069 million, a rise of 6.50% compared to RMB 7,039,777 million[2] - Total assets reached CNY 12,323.65 billion, an increase of 5.64% compared to the end of the previous year[11] - Customer loan balance was CNY 6,927.97 billion, an increase of 5.60% from the end of the previous year[16] - Customer deposit balance stood at CNY 7,497.07 billion, reflecting a growth of 6.50% compared to the previous year-end[17] - Total liabilities increased to RMB 11,326,932 million as of March 31, 2022, from RMB 10,688,521 million at the end of 2021, marking an increase of approximately 5.97%[28] Asset Quality and Risk Management - Non-performing loan balance was CNY 101.84 billion, with a non-performing loan ratio of 1.47%, a slight decrease of 0.01 percentage points[19] - The provision coverage ratio improved to 166.66%, an increase of 0.16 percentage points from the previous year-end[19] - The company continues to enhance its risk resistance capabilities by maintaining a strong provisioning policy amid economic uncertainties[15] - The overdue loan balance as of March 31, 2022, was RMB 97,316 million, with an overdue loan ratio of 1.40%[20] - The company’s total non-performing loans as of March 31, 2022, were RMB 101,837 million, with a non-performing loan ratio of 1.47%[21] - The company’s total assets quality remained stable, with a slight increase in the attention loan ratio and overdue loan ratio compared to the end of the previous year[21] Capital Adequacy - The capital adequacy ratio stood at 15.24%, with a Tier 1 capital ratio of 12.54% and a core Tier 1 capital ratio of 10.29%, all meeting regulatory requirements[35] - The tier 1 capital adequacy ratio was 12.54% as of March 31, 2022, compared to 12.67% as of December 31, 2021, indicating a slight decrease[36] - The total capital adequacy ratio was 15.24% as of March 31, 2022, slightly down from 15.29% as of December 31, 2021[36] - The group's core tier 1 capital net amount reached RMB 803,223 million as of March 31, 2022, an increase from RMB 783,877 million as of December 31, 2021, reflecting a growth of approximately 2.2%[36] - The group's net capital amount reached RMB 1,190,335 million as of March 31, 2022, compared to RMB 1,139,957 million as of December 31, 2021, showing an increase of about 4.4%[36] Cash Flow - The net cash flow from operating activities for the three months ended March 31, 2022, was RMB 101,621 million, compared to a net cash outflow of RMB 82,366 million in the same period of 2021[31] - The net cash flow from investing activities was a cash outflow of RMB 73,861 million for the three months ended March 31, 2022, compared to a cash inflow of RMB 39,060 million in the same period of 2021[34] Shareholder Information - The total number of ordinary shareholders was 363,211, with 331,453 holding A shares and 31,758 holding H shares[4] - The top shareholder, the Ministry of Finance of the People's Republic of China, held 17.75% of A shares and 6.13% of H shares[5]