贵阳银行(601997) - 2021 Q1 - 季度财报

Financial Performance - Net profit attributable to shareholders was RMB 1.57 billion, representing a year-on-year growth of 4.39%[4] - Operating income for the first quarter was RMB 3.54 billion, a decrease of 14.70% compared to the same period last year[4] - The weighted average return on equity for ordinary shareholders was 4.06%, down by 0.26 percentage points year-on-year[4] - The basic earnings per share for ordinary shareholders was RMB 0.49, up 4.26% year-on-year[4] - The net profit for the first quarter of 2021 was RMB 1,630,020 thousand, an increase from RMB 1,567,724 thousand in the same period of 2020, representing a growth of 3.9%[29] - The bank's operating income for Q1 2021 was RMB 3,538,120 thousand, down from RMB 4,148,020 thousand in Q1 2020, a decline of 14.7%[29] - The basic/diluted earnings per share for Q1 2021 were RMB 0.49, compared to RMB 0.47 in Q1 2020, indicating an increase of 4.3%[29] Assets and Liabilities - Total assets reached RMB 598.33 billion, an increase of 1.30% compared to the end of the previous year[4] - Total liabilities amounted to RMB 552.32 billion, an increase of 1.12% from the previous year[4] - The total assets of the bank as of March 31, 2021, were RMB 598,330,405 thousand, compared to RMB 590,680,344 thousand at the end of 2020, reflecting an increase of 1.1%[27] - The total liabilities increased to RMB 552,321,141 thousand as of March 31, 2021, from RMB 546,228,723 thousand at the end of 2020, marking a rise of 1.9%[27] Cash Flow - The net cash flow from operating activities was negative RMB 1.30 billion, an improvement of 75.60% compared to the same period last year[4] - The net cash flow from operating activities for the first quarter of 2021 was RMB (1,899,612) thousand, compared to RMB (5,319,932) thousand in the same period of 2020, indicating an improvement[31] - The total cash inflow from operating activities was RMB 13,226,093 thousand in Q1 2021, up from RMB 12,786,167 thousand in Q1 2020[31] - The net cash flow from investment activities was RMB 6,850,518 thousand in Q1 2021, a recovery from a net outflow of RMB (68,093) thousand in Q1 2020[31] - The cash inflow from financing activities decreased to RMB 8,470,000 thousand in Q1 2021, down from RMB 23,660,000 thousand in Q1 2020[31] - The net cash flow from financing activities was RMB (3,601,458) thousand in Q1 2021, compared to a net inflow of RMB 921,928 thousand in Q1 2020[31] - The total cash and cash equivalents at the end of Q1 2021 stood at RMB 28,420,816 thousand, an increase from RMB 24,804,395 thousand at the end of Q1 2020[31] Loans and Deposits - The total amount of deposits reached RMB 360.75 billion, with corporate demand deposits at RMB 106.66 billion[6] - The total loans amounted to CNY 238.60 billion, increasing by CNY 7.59 billion or 3.28% compared to the beginning of the year[19] - Retail deposits increased by CNY 16.13 billion or 13.32%, reaching CNY 137.22 billion, accounting for 38.04% of total deposits[20] - The total amount of loans classified as normal is CNY 228,202,642,000, accounting for 95.64% of total loans[13] - The loan-to-deposit ratio is 66.14%, compared to 65.05% at the end of 2019[9] Risk and Capital Management - The net interest margin decreased to 2.12% from 2.32% in the same period last year[6] - The capital adequacy ratio stood at 13.04%, slightly up from 12.98% at the end of the previous year[8] - The non-performing loan ratio is 1.52%, a decrease of 0.01 percentage points compared to the beginning of the year[9] - The provision coverage ratio is 273.83%, down from 277.30% at the end of 2020[9] - The leverage ratio is 6.92%, an increase from 6.52% at the end of 2020[11] - The liquidity ratio stands at 100.13%, up from 88.08% at the end of 2020[9] - The liquidity coverage ratio is 288.03%, with high-quality liquid assets amounting to CNY 109,650,806,000[12] Shareholder Information - The top ten shareholders hold a total of 468,599,066 shares, representing 14.56% of the total shares[14] - The total number of shareholders is 76,564[14] Customer Base and Services - The number of effective personal customers reached 2.4274 million, with wealth customers increasing by 18,000 to 291,900[20] - The company has initiated the construction of a retail data analysis application platform to enhance customer precision marketing and data analysis capabilities[20]