ZRCBANK(SZ:002839)2023-04-28 16:00Financial Performance - Basic earnings per share increased by 15.00% to CNY 0.23, while diluted earnings per share rose by 17.65% to CNY 0.20[3]. - The company's net profit attributable to shareholders increased by 17.42% to CNY 508,825,194.60 compared to CNY 433,350,428.23 in the previous year[31]. - Operating income for the period was CNY 1,191,741,959.20, a slight decrease of 0.64% from CNY 1,199,464,356.47 in the same period last year[31]. - The company achieved operating revenue of CNY 1.192 billion, a slight decrease of 0.64% year-on-year[71]. - The company reported a total comprehensive income of CNY 621.56 million, compared to CNY 467.47 million in the previous period[76]. Asset and Liability Management - Total assets of the company increased by 3.39% to CNY 193,892,902,617.59 from CNY 187,532,755,025.44[31]. - The bank's total liabilities reached CNY 177.55 billion, compared to CNY 171.81 billion at the end of the previous period, marking an increase of approximately 3.5%[26]. - Total liabilities rose by 3.34% to 177,545,567,554.45, with customer deposits increasing by 7.22% to 149,663,459,904.33[58]. - Cash and deposits with central banks decreased to CNY 10.30 billion from CNY 11.02 billion[71]. Loan and Deposit Growth - Total deposits increased to CNY 153.48 billion, up from CNY 143.60 billion, indicating a growth of approximately 6.5%[26]. - The net increase in customer deposits and interbank placements was CNY 9,327,414,676.22, compared to CNY 7,161,125,912.89 in the previous year[28]. - Total loan balance was CNY 118.662 billion, reflecting an increase of CNY 3.634 billion or 3.16% since the start of the year[42]. - Customer loans and advances increased by 3.16% year-on-year to 118,662,495,292.67[58]. Non-Performing Loans and Credit Quality - The bank's non-performing loan balance decreased to CNY 1.006 billion, with a non-performing loan ratio of 0.85%, down by 0.04 percentage points from the beginning of the year[14]. - Non-performing loans totaled CNY 1.006 billion, accounting for 0.85% of total loans, a decrease of CNY 1.622 million or 0.04%[41]. - The non-performing loan ratio improved to 0.85%, down from 0.89% in the previous quarter[57]. - Credit impairment losses decreased by 47.25% year-on-year to 235,447,101.70, due to reduced impairment losses on loans and advances[56]. Income and Expense Analysis - Net interest income for the period was CNY 991,001,510.99, compared to CNY 933,539,490.18 in the previous period, reflecting growth in interest income[18]. - The company reported a significant increase in commission income, reaching CNY 112,380,511.63 compared to CNY 88,045,831.20 in the previous period[27]. - Investment income for the period was CNY 102,398,431.19, down from CNY 219,891,701.89 in the previous year[27]. - The company experienced a 44.72% increase in income tax expenses, totaling CNY 58,803,816.73 compared to CNY 40,632,491.48 last year[36]. - Other income surged by 152.29% year-on-year to 7,554,435.08, attributed to increased government subsidies[56]. Capital Adequacy and Return on Equity - The bank's capital adequacy ratio remains robust, ensuring compliance with regulatory requirements[8]. - The core Tier 1 capital adequacy ratio improved to 9.68% from 9.55% in the previous period[38]. - Capital adequacy ratio stood at 13.39%, above the regulatory standard of 10.5%[57]. - The weighted average return on equity improved to 3.21%, an increase of 0.25 percentage points year-on-year[3]. Shareholder Information - The number of common shareholders at the end of the reporting period was 59,814[41]. - The top ten shareholders held a combined 31.10% of shares, with Jiangsu Shagang Group Co., Ltd. holding 8.18%[41].