2023-04-28 16:00Financial Performance - Net profit attributable to shareholders was RMB 24,633 million, a 5.63% increase compared to the same period last year[4] - Operating income for Q1 2023 was 67,079 million RMB, an increase from 63,578 million RMB in Q1 2022, representing a growth of approximately 2.4%[30] - Net profit for Q1 2023 was 24,951 million RMB, up from 23,313 million RMB in Q1 2022, reflecting a growth of about 7.0%[30] - Total profit for Q1 2023 reached 26,402 million RMB, compared to 25,134 million RMB in the same period last year, indicating an increase of approximately 5.0%[30] - Basic earnings per share were RMB 0.33, up by 6.45% from the previous year[4] - Basic earnings per share for Q1 2023 were 0.33 RMB, compared to 0.31 RMB in Q1 2022, reflecting an increase of about 6.5%[31] Assets and Liabilities - Total assets reached RMB 13,654,273 million, an increase of 5.10% compared to the end of 2022[4] - Total liabilities were RMB 12,596,687 million, up by 5.34% from the previous year[4] - The total assets of the company amounted to RMB 13,654,273 million as of March 31, 2023, an increase from RMB 12,991,571 million at the end of 2022[25][26] - The total liabilities of the company were RMB 12,596,687 million, an increase from RMB 11,958,049 million at the end of 2022[26] - The total adjusted on-balance and off-balance sheet assets amounted to RMB 14,983.789 billion as of March 31, 2023, compared to RMB 14,349.614 billion at the end of 2022, indicating a growth of 4.4%[43] Customer Loans and Deposits - Customer loans amounted to RMB 7,681,405 million, reflecting a growth of 5.30% year-on-year[4] - Customer deposits increased to RMB 8,498,740 million, representing a 6.91% rise[4] - Customer loan balance at the end of Q1 2023 was CNY 7,681.41 billion, an increase of CNY 386.44 billion, or 5.30% from the end of the previous year[20] - Customer deposit balance reached CNY 8,498.74 billion, up CNY 549.67 billion, or 6.91% year-on-year[21] Non-Performing Loans - The non-performing loan balance was CNY 102.95 billion, an increase of CNY 4.42 billion, or 4.49% from the end of the previous year[22] - The total loans reached RMB 7,681,405 million as of March 31, 2023, with a non-performing loan (NPL) rate of 1.34%[24] - The company reported a decrease in the NPL rate compared to the end of the previous year, while overdue loan and attention loan rates slightly increased[24] - Corporate loans accounted for 66.13% of total loans, with an NPL rate of 1.59%[24] - Personal loans represented 31.09% of total loans, with an NPL rate of 0.92%[24] Cash Flow and Operating Activities - Operating cash flow net amount was RMB 132,977 million, showing a significant increase of 30.86% year-on-year[7] - The net cash flow from operating activities amounted to RMB 132,977 million, an increase of 30.8% compared to RMB 101,621 million in the previous year[35] - The cash flow from operating activities totaled RMB 903,082 million, compared to RMB 751,633 million in the previous year, representing a growth of 20.2%[35] Capital Adequacy and Liquidity - The capital adequacy ratio stood at 14.79%, with a Tier 1 capital ratio of 12.07% and a core Tier 1 capital ratio of 10.03%, all meeting regulatory requirements[40] - The liquidity coverage ratio averaged 123.06% in Q1 2023, an increase of 1.06 percentage points from the previous quarter, due to an increase in high-quality liquid assets[44] - The amount of high-quality liquid assets was RMB 2,434.068 billion, contributing to the liquidity coverage ratio[45] - The leverage ratio was reported at 6.94%, meeting the regulatory requirement of 0.375%[42] Shareholder Information - The total number of ordinary shareholders was 342,987, with A-shares accounting for 91.0%[8] - The top ten shareholders held a combined 56.67% of the total shares, indicating a concentrated ownership structure[9] Investment Income - Investment income rose significantly to 5,947 million RMB compared to 2,640 million RMB, marking an increase of approximately 125.5%[30]