瑞丰银行(601528) - 2022 Q1 - 季度财报

Financial Performance - The company's operating income for the first quarter reached CNY 845,985,000, representing a year-on-year increase of 12.63%[5] - Net profit attributable to shareholders was CNY 298,510,000, reflecting an 18.80% increase compared to the same period last year[5] - The total operating revenue for Q1 2022 was CNY 845,985,000, an increase from CNY 751,093,000 in Q1 2021, representing a growth of approximately 12.6%[17] - Net interest income for Q1 2022 was CNY 743,872,000, compared to CNY 732,606,000 in Q1 2021, showing a slight increase of about 1.8%[17] - The net profit for Q1 2022 reached CNY 302,227,000, up from CNY 254,480,000 in Q1 2021, indicating a growth of approximately 18.8%[18] - The company reported a basic earnings per share of CNY 0.20, an increase of 11.11% year-on-year[5] Assets and Liabilities - Total assets at the end of the reporting period were CNY 143,388,403,000, up 4.76% from the end of the previous year[5] - The total liabilities increased to CNY 129,250,314,000 as of March 31, 2022, from CNY 123,051,420,000 as of December 31, 2021[17] - The total deposits reached CNY 107,459,773,000, an increase from CNY 100,327,048,000 at the end of the previous year[11] - The total loans amounted to CNY 89,366,793,000, compared to CNY 85,034,312,000 at the end of the previous year[11] Capital and Ratios - The core Tier 1 capital adequacy ratio stood at 14.89%[11] - The capital adequacy ratio as of March 31, 2022, was 17.67%, a decrease from 18.85% as of December 31, 2021[16] - The weighted average return on equity was 2.17%, a decrease of 0.08 percentage points compared to the previous year[5] - The average return on total assets decreased to 0.86% as of March 31, 2022, down from 0.97% as of December 31, 2021[16] - The non-performing loan ratio slightly improved to 1.24% as of March 31, 2022, compared to 1.25% as of December 31, 2021[16] - The provision coverage ratio increased to 260.81% as of March 31, 2022, compared to 252.90% as of December 31, 2021[16] Cash Flow - The net cash flow from operating activities surged by 132.78%, amounting to CNY 1,597,189,000, driven by an increase in customer deposits[5][7] - Net cash flow from operating activities increased to CNY 1,597,189 thousand, compared to a net outflow of CNY 4,872,253 thousand in the same period last year, marking a significant turnaround[22] - Customer deposits and interbank placements net increase reached CNY 8,123,856 thousand, up from CNY 4,696,189 thousand year-over-year, indicating strong customer confidence[22] - Total cash inflow from investment activities was CNY 3,379,861 thousand, down from CNY 4,661,138 thousand in the previous year, reflecting a decrease in investment recovery[23] - Cash outflow from investment activities was CNY 6,073,299 thousand, compared to CNY 7,493,994 thousand in the same period last year, showing a reduction in investment spending[23] - Net cash flow from financing activities was negative CNY 498,114 thousand, a decline from a positive CNY 3,680,193 thousand in the previous year, indicating increased debt repayments[23] - The total cash and cash equivalents at the end of the period stood at CNY 9,195,497 thousand, down from CNY 9,485,423 thousand year-over-year[23] - The net increase in cash and cash equivalents was negative CNY 1,605,759 thousand, compared to a decrease of CNY 4,022,107 thousand in the same quarter last year, showing improved cash management[23] Shareholder Information - The number of ordinary shareholders at the end of the reporting period was 40,520[8] - Interest, fees, and commissions received amounted to CNY 1,345,463 thousand, slightly up from CNY 1,307,634 thousand year-over-year, indicating stable revenue from core operations[22] - The net increase in customer loans and advances was CNY 4,447,780 thousand, compared to CNY 3,660,702 thousand in the previous year, reflecting growth in lending activities[22] - The company reported a significant increase in cash received from investment recoveries, totaling CNY 3,323,680 thousand, although this was lower than the previous year's CNY 4,596,441 thousand[23]