Financial Performance - Net profit for Q1 2022 was RMB 1.49 billion, a slight increase of 0.76% compared to RMB 1.48 billion in Q1 2021[5] - Operating income for Q1 2022 decreased by 12.91% to RMB 3.18 billion from RMB 3.66 billion in the same period last year[5] - The bank's diluted earnings per share for Q1 2022 was RMB 0.42, up from RMB 0.41 in Q1 2021[5] - Net interest income for Q1 2022 was RMB 2,688,655 thousand, a decrease of 6.6% compared to RMB 2,877,491 thousand in Q1 2021[30] - Total operating income for Q1 2022 was RMB 3,184,348 thousand, down 12.9% from RMB 3,656,259 thousand in Q1 2021[30] - The net profit attributable to shareholders for Q1 2022 was RMB 1,443,382 thousand, a slight increase of 0.6% from RMB 1,434,136 thousand in Q1 2021[33] - Investment income for Q1 2022 was RMB 673,072 thousand, significantly higher than RMB 405,201 thousand in Q1 2021, indicating improved investment performance[30] - The total comprehensive income for the period was CNY 1,229,434 thousand, compared to CNY 1,149,481 thousand in the previous year, marking an increase of 7%[41] Assets and Liabilities - Total assets as of March 31, 2022, reached RMB 643.15 billion, an increase of 3.91% compared to the end of 2021[4] - The bank's total liabilities amounted to RMB 591.51 billion, an increase of 3.83% from the previous year-end[4] - Customer deposits amounted to CNY 357.76 billion, up CNY 19.06 billion, or 5.63% from the end of the previous year[22] - The bank's equity attributable to shareholders totaled RMB 49.62 billion, compared to RMB 47.27 billion at the end of 2021, indicating a growth of about 5%[27] - The bank's total equity reached RMB 51.64 billion, an increase from RMB 49.25 billion at the end of 2021, representing a growth of about 4.9%[27] - As of March 31, 2022, total liabilities amounted to RMB 562,177,793 thousand, an increase of 3.1% from RMB 545,031,121 thousand as of December 31, 2021[29] Loan and Deposit Growth - Customer loans and advances totaled RMB 329.77 billion, reflecting a growth of 3.68% year-over-year[4] - Total customer loans and advances reached CNY 329.77 billion, an increase of CNY 11.71 billion, or 3.68% compared to the end of the previous year[22] - The bank's loans and advances reached RMB 318.31 billion, an increase from RMB 306.88 billion at the end of 2021, showing a growth of about 3.7%[26] - The net increase in deposits and interbank placements amounted to CNY 14,215,225 thousand, up from CNY 9,145,227 thousand in the previous year, representing a growth of 55.8%[42] Cash Flow and Investment Activities - The net cash flow used in operating activities was RMB (25.34) billion, a significant decline of 222.35% compared to RMB (7.86) billion in Q1 2021[12] - The cash flow from operating activities showed a net outflow of CNY 25,339,566 thousand, compared to a net outflow of CNY 7,860,809 thousand in the same period last year, indicating a significant increase in cash usage[42] - The cash inflow from investment activities was CNY 29,414,705 thousand, compared to CNY 17,333,482 thousand in the previous year, reflecting a growth of 70%[43] - The net cash flow from financing activities was CNY 48,464,545 thousand, an increase from CNY 30,609,432 thousand year-over-year, showing a growth of 58.5%[43] - The cash received from investment recoveries was CNY 26,706,120 thousand, up from CNY 14,965,096 thousand, indicating an increase of 78.5%[45] - The net cash generated from investment activities was RMB 13,320,987 thousand, compared to a net outflow of RMB 2,385,978 thousand in the same period last year[48] Risk Management and Asset Quality - Non-performing loan balance stood at CNY 4.27 billion, an increase of CNY 0.17 billion compared to the end of the previous year[22] - Non-performing loan ratio remained stable at 1.30% compared to the end of the previous year[22] - The coverage ratio for provisions was 270.32%, a decrease of 3.69 percentage points from the end of the previous year[22] - The bank's non-performing loan ratio remained stable, reflecting effective risk management strategies[30] - The bank's credit impairment losses decreased to RMB 628,850 thousand in Q1 2022 from RMB 1,075,274 thousand in Q1 2021, reflecting improved asset quality[30] Capital Adequacy - The core Tier 1 capital adequacy ratio stood at 9.98% as of March 31, 2022, up from 9.36% at the end of 2021[8] - The total capital adequacy ratio was 13.42%, up 0.43 percentage points from the end of the previous year, meeting regulatory requirements[22]
重庆银行(601963) - 2022 Q1 - 季度财报