Financial Performance - Net profit attributable to shareholders increased by 2.18% to CNY 329,803 thousand year-on-year[20] - Operating income decreased by 22.14% to CNY 1,038,684 thousand compared to the same period last year[20] - The company’s diluted earnings per share decreased by 11.11% to CNY 0.08 per share[20] - Net profit for Q1 2021 was 329,803 thousand RMB, slightly up from 322,774 thousand RMB in Q1 2020, indicating a growth of approximately 2.5%[43] - The total comprehensive income for Q1 2021 was 329,803 thousand RMB, down from 456,153 thousand RMB in Q1 2020, representing a decrease of approximately 27.7%[45] Asset and Liability Changes - Total assets increased by 4.93% to CNY 228,384,658 thousand compared to the end of the previous year[20] - Total liabilities rose to CNY 213,190,315 thousand, compared to CNY 202,849,278 thousand at the end of 2020, marking an increase of about 5.9%[28] - Total assets increased to CNY 228,384,658 thousand as of March 31, 2021, up from CNY 217,664,378 thousand at the end of 2020, representing a growth of approximately 5.3%[28] - Total liabilities increased to 213,190,315 thousand RMB in Q1 2021 from 202,849,278 thousand RMB in Q1 2020, marking an increase of about 5.9%[41] - The total equity rose to 15,194,343 thousand RMB in Q1 2021 from 14,815,100 thousand RMB in Q1 2020, reflecting an increase of about 2.6%[41] Cash Flow Analysis - Net cash flow from operating activities decreased significantly by 106.61% to -CNY 367,721 thousand[20] - The net cash flow from investment activities was -$767,819, a slight decrease from -$760,670 in the previous year[46] - Cash inflow from financing activities totaled $12,007,412, down from $13,283,148 year-over-year[46] - The net cash flow from financing activities improved to $3,762,712 compared to a negative $6,481,552 in the same period last year[46] - The cash inflow from investment activities was $27,740,509, compared to $25,581,492 last year[46] Shareholder Information - The number of shareholders at the end of the reporting period was 328,129,524, representing 8.96% of total shares[22] Capital and Funding Ratios - The bank's core tier 1 capital adequacy ratio decreased to 10.16% from 11.19% at the end of 2020[30] - The liquidity coverage ratio stood at 128.84% as of March 31, 2021, indicating a strong liquidity position[36] - The net stable funding ratio improved to 133.79% from 129.89% at the end of 2020, reflecting better funding stability[37] Operational Efficiency - The cost-to-income ratio increased to 31.51% in Q1 2021 from 30.36% in 2020, indicating a rise in operational costs relative to income[31] - The bank's operating expenses decreased to 662,994 thousand RMB in Q1 2021 from 931,502 thousand RMB in Q1 2020, a reduction of approximately 29.0%[43] Loan and Deposit Trends - The company experienced a 45.36% decrease in deposits from interbank and other financial institutions, totaling CNY 2,555,225 thousand[25] - Customer deposits and interbank deposits net increase was 11,912,610 thousand RMB in Q1 2021, compared to 7,686,252 thousand RMB in Q1 2020, showing a significant increase of approximately 55.0%[45] - The bank's loan loss provisions amounted to CNY 4,609,992 thousand, slightly up from CNY 4,470,422 thousand at the end of 2020[28] - Net interest income increased to 1,011,448 thousand RMB in Q1 2021 from 989,459 thousand RMB in Q1 2020, reflecting a growth of about 2.5%[43] - The company reported a total of $116,490,695 in loans and advances issued[49]
紫金银行(601860) - 2021 Q1 - 季度财报