2022-04-29 16:00Financial Performance - Net profit attributable to shareholders was RMB 13,724 million, a decrease of 6.94% compared to the same period last year[5]. - Operating income decreased by 14.95% year-on-year to RMB 36,634 million, with net interest income down 18.71%[5]. - Basic earnings per share decreased by 8.82% to RMB 0.31[5]. - The net profit attributable to shareholders for the reporting period was CNY 13.724 billion, a decrease of CNY 1.023 billion, or 6.94% year-on-year[13]. - Operating revenue for the period was CNY 36.634 billion, down CNY 6.438 billion, or 14.95% year-on-year, primarily due to a decrease in loan interest income by CNY 4.040 billion[13]. - The total comprehensive income for Q1 2022 was RMB 12,239 million, a decrease of 21.5% from RMB 15,509 million in Q1 2021[49]. - The bank's fee and commission income was RMB 6,540 million, down 20.0% from RMB 8,173 million year-over-year[48]. - The bank's investment income increased to RMB 3,199 million, compared to RMB 1,248 million in the same period last year[48]. Assets and Liabilities - Total assets reached RMB 7,157,698 million, an increase of 2.95% compared to the end of the previous year[3]. - The bank's total liabilities increased by 3.03% to RMB 6,558,951 million[3]. - The total amount of loans and advances was CNY 4,189.399 billion, up CNY 143.707 billion, or 3.55% year-on-year, accounting for 58.53% of total assets[14]. - Total liabilities increased to CNY 6,558.951 billion, up CNY 192.704 billion, or 3.03% from the end of the previous year[15]. - The bank's equity attributable to shareholders reached RMB 586,407 million, compared to RMB 574,280 million at the end of 2021, indicating a growth of about 2.0%[46]. Deposits and Loans - Total deposits rose by 4.39% to RMB 3,941,615 million, with personal deposits increasing by 9.73%[3]. - The bank's loans and advances to customers stood at RMB 4,112,635 million, compared to RMB 3,967,679 million at the end of 2021, marking an increase of about 3.6%[44]. - Retail loan balance was CNY 1,759.222 billion, a slight decrease of CNY 6.35 billion year-on-year, with mortgage loans increasing by CNY 25.46 billion[21]. - The bank's small and micro loans amounted to 3.615341 trillion yuan, an increase of 14.591 billion yuan from the end of the previous year[25]. Customer Base and Transactions - The number of retail customers reached 111.91 million, an increase of 1.77 million compared to the end of the previous year, with credit card customers totaling 45.57 million, up 1.54%[23]. - The bank added 1.0854 million new personal customers during the reporting period, a year-on-year growth of 3.35%, with effective new customers increasing by 13.53%[22]. - Electronic payment transaction volume reached 142.06 billion yuan, a year-on-year increase of 29.61%, with transaction counts at 306 million, up 13.62%[24]. - Retail online platform users reached 95.71 million, a year-on-year increase of 2.30%, while monthly active users grew by 8.00% to 23.84 million[35]. Risk and Asset Management - The non-performing loan ratio improved to 1.74%, down from 1.79% at the end of the previous year[3]. - The non-performing loan (NPL) total was CNY 73.03 billion, with an NPL ratio of 1.74%, down 0.05 percentage points from the previous year[37]. - The bank's risk management system added 17 new monitoring models, covering 32 mid-to-high frequency trading scenarios for precise risk identification[34]. Cash Flow and Investments - Cash flow from operating activities increased significantly by 132.37% to RMB 142,204 million[5]. - The total cash inflow from investment activities for Q1 2022 was RMB 311,451 million, an increase of 17.4% compared to RMB 265,347 million in Q1 2021[51]. - The net cash flow from investment activities was RMB (21,237) million, a decline from RMB (8,900) million in Q1 2021[51]. - The cash flow from the recovery of investments was RMB 291,427 million, up from RMB 245,831 million in Q1 2021[51]. Shareholder Information - The total number of ordinary shareholders at the end of the reporting period is 427,905[8]. - The top shareholder, Hong Kong Central Clearing Limited, holds 8,284,807,550 shares, accounting for 18.92% of total shares[8]. - The second-largest shareholder, Dajia Life Insurance Co., holds 4,508,984,567 shares, representing 10.30%[8]. - The total number of preferred shareholders at the end of the reporting period is 26[10]. - The largest preferred shareholder, Bosera Fund, holds 20,000,000 shares, accounting for 10.00% of preferred shares[10]. Regulatory and Compliance - The liquidity coverage ratio was 139.78%, exceeding regulatory requirements by 39.78 percentage points, and improved by 6.36 percentage points from the previous year[41]. - The core tier one capital adequacy ratio stood at 9.01%, a decrease of 0.03 percentage points compared to the end of the previous year[39].