ZJB(SH:601860)2022-04-29 16:00Financial Performance - The company's operating income for Q1 2022 was RMB 1,074,414,000, representing a year-on-year increase of 3.44%[6] - Net profit attributable to shareholders was RMB 364,541,000, reflecting a growth of 10.53% compared to the same period last year[6] - The net profit after deducting non-recurring gains and losses was RMB 354,122,000, with a year-on-year increase of 9.45%[6] - Operating revenue for the period was RMB 1.074 billion, representing a year-on-year increase of 3.44%[21] - Net profit reached RMB 365 million, a year-on-year growth of RMB 35 million or 10.5%[21] - Net profit for Q1 2022 was RMB 364,541, compared to RMB 329,803 in Q1 2021, marking an increase of approximately 10.5%[42] - Basic earnings per share were RMB 0.1, an increase of 11.11% year-on-year[9] - Diluted earnings per share were RMB 0.09, reflecting a growth of 12.50% compared to the same period last year[9] - Basic earnings per share for Q1 2022 were RMB 0.10, up from RMB 0.09 in Q1 2021, representing an increase of about 11.1%[42] Assets and Liabilities - The total assets at the end of the reporting period reached RMB 227,999,694,000, an increase of 10.32% from the end of the previous year[9] - Total assets increased to RMB 227,999,694 as of March 31, 2022, compared to RMB 206,666,030 at the end of 2021, reflecting a growth of approximately 10.3%[38] - Total liabilities rose to RMB 211,743,754 in Q1 2022, up from RMB 190,666,834 in Q1 2021, indicating an increase of around 11.0%[40] - The bank's total equity increased to RMB 16,255,940 as of March 31, 2022, compared to RMB 15,999,196 at the end of 2021, reflecting a growth of approximately 1.6%[40] Cash Flow - The net cash flow from operating activities was RMB 17,201,054,000, showing a significant decrease of 4,777.75% year-on-year[6] - The net cash flow from operating activities for Q1 2022 was 17,201,054, a significant improvement from -367,721 in Q1 2021[47] - Cash inflow from operating activities totaled 29,516,811, compared to 14,481,033 in the same quarter last year, indicating a year-over-year increase of approximately 104.1%[47] - The net cash flow from investing activities was -1,786,082, worsening from -767,819 in Q1 2021[47] - Cash outflow from financing activities was 8,489,881, slightly higher than 8,244,700 in Q1 2021[49] - The total cash and cash equivalents at the end of Q1 2022 amounted to 20,149,475, down from 24,092,618 at the end of Q1 2021[49] - The net increase in cash and cash equivalents for Q1 2022 was 9,227,009, compared to 2,630,908 in Q1 2021, reflecting a strong liquidity position[49] Deposits and Loans - Total deposits amounted to RMB 174.6 billion, up RMB 18.4 billion or 11.8% year-to-date[19] - Total loans stood at RMB 149.7 billion, reflecting a growth of RMB 9.6 billion or 6.9% since the start of the year[19] - Savings deposits increased to RMB 88.5 billion, up RMB 10.1 billion or 12.85% year-to-date[21] - Agricultural and small micro-loans reached RMB 85.7 billion, growing by RMB 7.9 billion or 10.22%[21] Shareholder Information - The total number of ordinary shareholders at the end of the reporting period was 74,267[15] - The top ten shareholders held a total of 1,000,000,000 shares, accounting for 26.1% of the total shares[15] Risk and Liquidity - Non-performing loan balance decreased by RMB 4 million, with a non-performing loan ratio of 1.35%, down 0.1 percentage points from the beginning of the year[21] - The bank's non-performing loan ratio remained stable, with credit impairment losses recorded at RMB 270,127, down from RMB 319,191 in Q1 2021, a decrease of about 15.4%[42] - Capital adequacy ratio was 14.59%, meeting regulatory requirements[26] - Liquidity coverage ratio stood at 122.93%, indicating strong liquidity position[32]