NJBK(SH:601009)2021-04-29 16:00Financial Performance - Net profit attributable to shareholders of the parent company rose by 9.30% to CNY 4,099,212 thousand year-on-year[4] - Operating income increased by 1.64% to CNY 10,197,536 thousand compared to the same period last year[4] - Net cash flow from operating activities increased by 14.31% to CNY 46,512,565 thousand year-on-year[4] - Basic earnings per share decreased by 6.82% to CNY 0.41 compared to the previous year[5] - The weighted average return on equity decreased by 0.61 percentage points to 4.14%[5] - Net profit attributable to shareholders was CNY 4.099 billion, an increase of CNY 349 million, or 9.30% year-on-year[14] - Net interest income for the quarter was CNY 6.961 billion, up CNY 1.031 billion, or 17.38% year-on-year, accounting for 68.26% of total revenue[15] - Fee and commission income reached CNY 1.788 billion, an increase of CNY 658 million, or 58.23% year-on-year[15] - The bank's net profit for the first quarter of 2021 was not explicitly stated, but the retained earnings increased to RMB 44,959,906 thousand from RMB 40,870,844 thousand, showing a growth of about 25.5%[37] - The bank's total profit amounted to RMB 4,995,731 thousand, a 12.74% increase from RMB 4,432,575 thousand in the same period last year[39] Asset and Liability Management - Total assets increased by 6.77% to CNY 1,619,818,880 thousand compared to the end of the previous year[4] - Total liabilities amounted to RMB 1,507,748,029 thousand, up from RMB 1,409,042,793 thousand, indicating a growth of about 6.98%[30] - Total deposits amounted to CNY 1,049.16 billion, up CNY 102.95 billion, or 10.88% year-to-date[14] - Total loans increased to CNY 741.94 billion, rising by CNY 67.35 billion, or 9.98% from the start of the year[14] - Customer deposits rose to RMB 1,062,389,506 thousand, compared to RMB 959,172,635 thousand, reflecting a growth of approximately 10.8%[37] - The bank's total loans reached RMB 741,940,286 thousand, an increase from RMB 674,586,703 thousand, showing a growth of around 9.95%[30] Risk Management - Non-performing loan ratio remained stable at 0.91%, unchanged from the beginning of the year[17] - Provision coverage ratio for non-performing loans was 393.85%, an increase of 2.09 percentage points from the start of the year[17] - As of March 31, 2021, the total amount of loans classified as normal was 726,276,565 thousand RMB, accounting for 97.80% of total loans, showing a slight decrease from 97.88% at the end of 2020[18] - The non-performing loan ratio was reported at 0.91%, consistent with the previous quarter's figure[32] Customer and Market Development - The number of shareholders at the end of the reporting period was 107,446[7] - The largest shareholder, BNP Paribas, holds 1,392,721,067 shares, accounting for 13.92% of total shares[7] - The company emphasized enhancing financial services for advanced manufacturing and strategic emerging industries[13] - The company aims to optimize its business structure and enhance risk management to support high-quality development[13] - Retail customer AUM reached 525,179 million RMB, an increase of 3,807.7 million RMB, or 7.82%, compared to the beginning of the year[20] - The number of private banking clients reached 32,612, an increase of 2,348 clients, or 7.76%, compared to the beginning of the year[21] Digital Transformation - The digital transformation efforts have led to the establishment of a unified data governance system and various digital products, enhancing customer service through AI technology[25] Cash Flow Analysis - Cash inflow from operating activities totaled CNY 131,789,821 thousand, slightly up from CNY 131,334,263 thousand year-on-year[42] - Net cash flow from operating activities decreased to CNY 41,313,167 thousand, down from CNY 48,228,234 thousand in the previous year, a decline of about 14.5%[42] - Cash inflow from investment activities was CNY 277,028,847 thousand, compared to CNY 206,170,758 thousand in the same quarter last year, marking an increase of approximately 34.4%[42] - Cash inflow from financing activities was CNY 60,710,190 thousand, up from CNY 36,332,179 thousand year-on-year, an increase of about 67%[42] - The total cash and cash equivalents at the end of the period amounted to CNY 27,297,693 thousand, down from CNY 88,370,204 thousand year-on-year[42]