2021-04-29 16:00Financial Performance - Net profit attributable to shareholders increased by 2.31% to CNY 21,946 million in Q1 2021, up from CNY 21,451 million in Q1 2020[6] - Operating income for Q1 2021 was CNY 68,344 million, reflecting a growth of 5.14% compared to CNY 65,003 million in the same period last year[6] - Basic and diluted earnings per share rose by 20.00% to CNY 0.30 from CNY 0.25 year-over-year[8] - The net profit attributable to shareholders was CNY 21.946 billion, reflecting a year-on-year growth of 2.31%[15] - Net profit for Q1 2021 reached CNY 22,312 million, compared to CNY 21,542 million in Q1 2020, reflecting an increase of about 3.6%[35] - Total net profit for Q1 2021 was 19,154 million, compared to 20,075 million in Q1 2020, reflecting a decrease of about 4.6%[37] Assets and Liabilities - Total assets increased by 4.45% to CNY 11,173,220 million as of March 31, 2021, compared to CNY 10,697,616 million at the end of 2020[6] - The total liabilities amounted to CNY 10,271.12 billion, growing by 4.60% year-on-year[15] - The total assets of the group reached CNY 11,173.22 billion, an increase of 4.45% compared to the end of the previous year[15] - The total liabilities increased to RMB 10,271,124 million as of March 31, 2021, compared to RMB 9,818,988 million as of December 31, 2020[32] Customer Loans and Deposits - Customer loans rose by 5.43% to CNY 6,165,902 million from CNY 5,848,424 million year-over-year[6] - Total customer deposits increased by 4.76% to CNY 6,921,750 million from CNY 6,607,330 million at the end of 2020[6] - The balance of customer loans reached CNY 6,165.902 billion, an increase of 5.43% from the previous year[21] - Customer deposits totaled CNY 6,921.750 billion, with a year-on-year increase of 4.76%[22] Cash Flow - The net cash flow from operating activities was negative CNY 82,366 million, compared to a positive CNY 142,946 million in the previous year[8] - The net cash flow from operating activities for Q1 2021 was RMB (82,366) million, a decrease of 157.62% compared to RMB 142,946 million in Q1 2020[29] - The cash flow from investing activities showed a net inflow of RMB 39,060 million in Q1 2021, a significant improvement from a net outflow of RMB (85,931) million in Q1 2020[29] - The net cash flow from investment activities was 39,060 million in Q1 2021, recovering from (85,931) million in Q1 2020[40] Asset Quality - The non-performing loan balance was CNY 101.104 billion, with a non-performing loan ratio of 1.64%, slightly down from the previous year[24] - The group maintained a stable asset quality, with overdue loans accounting for 90.98% of the non-performing loan balance, a decrease of 1.35 percentage points from the previous year[27] - The asset impairment losses increased by 26.85% year-on-year to CNY 15.085 billion[20] Capital and Ratios - The capital adequacy ratio stood at 15.04%, with a Tier 1 capital ratio of 12.82% and a core Tier 1 capital ratio of 10.87%, all meeting regulatory requirements[45] - The leverage ratio was reported at 7.38%, compliant with regulatory standards[47] - The average liquidity coverage ratio for the first quarter was 125.12%, down 7.21 percentage points from the previous quarter[48] Shareholder Information - The total number of common shareholders was 397,341, with 364,679 holding A-shares and 32,662 holding H-shares[9] - The total number of preferred shareholders was 45, with the largest shareholder holding 100,000,000 shares, representing 22.22% of the preferred shares[13] Other Financial Metrics - Net interest income increased to CNY 38.553 billion, up by 4.95% year-on-year, accounting for 56.41% of total revenue[17] - The net interest margin was 1.54%, a decrease of 1 basis point compared to the previous year[17] - The company reported a credit impairment loss of CNY 14,938 million, an increase from CNY 11,892 million in the previous year, indicating a rise of approximately 25.7%[35] - The total operating expenses for Q1 2021 were CNY 43,473 million, compared to CNY 40,636 million in Q1 2020, representing an increase of about 7.2%[35]