郑州银行(002936) - 2022 Q1 - 季度财报

Financial Performance - The bank's operating income for Q1 2022 was RMB 3,421,374,000, representing a 7.13% increase compared to RMB 3,193,708,000 in Q1 2021[3] - Net profit attributable to shareholders for Q1 2022 was RMB 1,166,426,000, a 3.66% increase from RMB 1,125,256,000 in the same period last year[3] - The bank's net profit for the first quarter of 2022 was RMB 1.22 billion, representing a year-on-year increase of 5.07%[19] - The total comprehensive income for the group was RMB 1,291,449 thousand, up from RMB 1,200,755 thousand in the same period last year, indicating a growth of approximately 7.56%[37] - The total profit for the group was RMB 1,504,566 thousand, compared to RMB 1,430,475 thousand in the previous year, representing an increase of about 5.18%[36] Asset and Liability Management - Total assets as of March 31, 2022, were RMB 575,109,347,000, a slight increase of 0.02% from RMB 574,979,662,000 at the end of 2021[6] - The bank's total liabilities were RMB 514,406,358,000, a decrease of 0.23% from RMB 515,568,122,000 at the end of 2021[6] - The bank's total liabilities as of March 31, 2022, included deposits from customers amounting to RMB 325,161,235 thousand, a slight increase from RMB 321,574,215 thousand as of December 31, 2021[32] - The total assets of the group amounted to RMB 575,109,347 thousand, a slight increase from RMB 574,979,662 thousand as of December 31, 2021[31] Loan and Credit Quality - The bank's total loans and advances amounted to RMB 306,544,896,000, reflecting a 6.06% increase from RMB 289,027,668,000 at the end of 2021[6] - The non-performing loan ratio was 1.80% as of March 31, 2022, a slight improvement from 1.85% at the end of 2021[10] - The non-performing loan ratio decreased to 1.80%, down by 0.05 percentage points from the beginning of the year[19] - The group's non-performing loan ratio remained stable, with credit impairment losses recorded at RMB 1,346,495 thousand for the three months ended March 31, 2022, compared to RMB 1,041,574 thousand for the same period in 2021[35] Capital Adequacy - The bank's core Tier 1 capital adequacy ratio was 9.36% as of March 31, 2022, down from 9.49% at the end of 2021[10] - The capital adequacy ratio as of March 31, 2022, was 14.55%, a decrease from 15.00% at the end of 2021[13] - The core tier 1 capital adequacy ratio was 9.36%, slightly down from 9.49% at the end of 2021[13] Income Sources - The bank's fee and commission income decreased by 30.12% year-on-year to RMB 268.61 million due to regulatory fee reduction policies[17] - Investment income surged by 385.60% year-on-year to RMB 131.90 million, attributed to changes in trading bond investments[17] - The bank's fee and commission income for the three months ended March 31, 2022, was RMB 232,520 thousand, down from RMB 341,752 thousand in the same period of 2021, reflecting a decline of approximately 31.9%[35] Cash Flow and Liquidity - The net cash flow from operating activities was RMB (19,460,535,000), a significant decline of 624.06% compared to RMB (2,687,681,000) in Q1 2021[3] - The total cash inflow from operating activities was RMB 14,993,150 thousand, a decrease from RMB 23,454,913 thousand in the same period last year, indicating a decline of approximately 36.06%[38] - The net cash inflow from investment activities was RMB 9,445,113 thousand, compared to RMB 120,184 thousand in the previous year[40] - The liquidity coverage ratio was reported at 253.97%, indicating strong liquidity management[15] Shareholder Information - The largest shareholder is Hong Kong Central Clearing Limited, holding 1,836,581,354 H shares, representing 22.22% of total shares[22] - Zhengzhou Finance Bureau holds 597,496,646 A shares, accounting for 7.23% of total shares, with 84,799,000 shares pledged[22] - Zhengzhou Investment Holding Company owns 449,810,819 A shares, which is 5.44% of total shares[22] - The total number of overseas preferred shareholders is 1, with The Bank of New York Depository holding 59,550,000 shares, representing 100% of the overseas preferred shares[27] Strategic Initiatives - The bank is advancing its digital transformation, enhancing customer data systems and risk management capabilities[20] - The bank has signed strategic cooperation agreements with 17 technology innovation enterprises, positioning itself as a key player in policy-driven financial operations in Henan Province[19] Other Financial Activities - In January 2022, the company transferred debt assets related to a legal dispute, as announced on January 26, 2022[28] - The company fully redeemed a 10-year secondary capital bond worth RMB 2 billion issued in March 2017 in March 2022[28] - The report indicates that the top 10 ordinary shareholders did not engage in any repurchase transactions during the reporting period[25] - The report is available on the Shenzhen Stock Exchange and the company's website, as well as on the Hong Kong Stock Exchange[29] - The report includes a detailed financial statement, which is attached to the announcement[30]