苏农银行(603323) - 2022 Q1 - 季度财报

Financial Performance - The company's operating income for Q1 2022 was CNY 977,535,000, representing a year-on-year increase of 6.35%[7] - The net profit attributable to shareholders for Q1 2022 was CNY 308,367,000, reflecting a growth of 21.36% compared to the same period last year[7] - The basic earnings per share for Q1 2022 was CNY 0.17, up by 21.43% year-on-year[7] - Total operating revenue for Q1 2022 was 977,535, an increase from 919,210 in Q1 2021, representing a growth of approximately 6.7%[27] - Net interest income for Q1 2022 reached 820,654, up from 777,452 in Q1 2021, indicating a year-over-year increase of about 5.5%[27] - The company reported a basic earnings per share of 0.17 for Q1 2022, up from 0.14 in Q1 2021, indicating a growth of about 21.4%[28] - The company’s investment income for Q1 2022 was 112,439, significantly higher than 54,403 in Q1 2021, representing an increase of approximately 106.5%[27] - The total comprehensive income for Q1 2022 was 372,242, compared to 344,485 in Q1 2021, reflecting an increase of about 8.1%[28] Cash Flow and Liquidity - The net cash flow from operating activities increased by 44.35% to CNY 798,683,000 in Q1 2022[7] - Net cash flow from operating activities for Q1 2022 was 798,683, an increase of 44.4% compared to 553,291 in Q1 2021[30] - Total cash inflow from investment activities was 28,107,905, up from 19,253,224 in the previous year, representing a growth of 46.0%[30] - Net cash flow from investment activities was -1,886,583, an improvement from -2,773,461 in Q1 2021[30] - Cash inflow from financing activities totaled 2,780,000, a decrease of 48.7% compared to 5,422,744 in Q1 2021[30] - Net cash flow from financing activities was 600,228, down 42.3% from 1,042,555 in the same quarter last year[30] - The net increase in cash and cash equivalents was -484,216, compared to -1,182,990 in Q1 2021, showing a significant reduction in cash outflow[30] - The balance of cash and cash equivalents at the end of the period was 3,609,864, down from 4,621,252 at the end of Q1 2021[30] Assets and Liabilities - Total assets at the end of Q1 2022 reached CNY 163,942,607,000, a 3.29% increase from the end of the previous year[7] - Total assets as of March 31, 2022, amounted to 163,942,607, an increase from 158,724,694 as of December 31, 2021, showing a growth of about 3.9%[23] - Total liabilities rose to RMB 150,302,095 thousand, reflecting a 3.33% increase from RMB 145,456,427 thousand[17] - Total liabilities increased to 150,302,095 as of March 31, 2022, compared to 145,456,427 at the end of 2021, marking an increase of approximately 4.0%[23] - Total deposits reached RMB 124,758,492 thousand, up by 1.73% from RMB 122,636,757 thousand[17] Shareholder Information - The total number of ordinary shareholders at the end of the reporting period was 33,379[13] - The top shareholder, Hengtong Group Co., Ltd., held 124,959,048 shares, accounting for 6.93% of the total shares[13] Risk and Capital Management - The non-performing loan ratio improved to 0.99%, down from 1.00% in the previous period[18] - The capital adequacy ratio increased to 12.90%, compared to 12.74% at the end of the previous year[18] - The coverage ratio for provisions reached 420.09%, an increase from 412.22% in the previous period[18] - The bank's leverage ratio stood at 6.42%, slightly up from 6.34% at the end of the previous year[18] Operational Highlights - The company recognized government subsidies amounting to CNY 6,663,000, which are closely related to its normal business operations[8] - The loan balance in Suzhou region was RMB 70,679,770 thousand, accounting for 71.69% of the total loan balance[17] - Retail loans grew to RMB 25,414,962 thousand, marking a 4.14% increase from RMB 24,403,707 thousand[17] - The bank conducted 11 investor meetings during the reporting period, engaging with 15 institutions on January 12, 2022[15] - Customer deposits and interbank deposits increased by 2,344,167, compared to 6,535,908 in the previous year, indicating a decline of 64.1%[30] - The net increase in customer loans and advances was 3,368,149, up from 2,415,243 in Q1 2021, reflecting a growth of 39.5%[30] - The cash received from investment recoveries was 27,811,789, significantly higher than 18,928,477 in the same quarter last year, marking a growth of 46.5%[30]