交通银行(03328) - 2022 - 年度业绩

Financial Performance - Net interest income for the year 2022 was RMB 169,937 million, an increase of 5.4% from RMB 161,693 million in 2021[4] - Net profit attributable to shareholders for 2022 reached RMB 92,149 million, up 5.8% from RMB 87,581 million in 2021[4] - Total operating income reached RMB 273.528 billion, an increase of 1.40% compared to the previous year[23] - The company achieved a pre-tax profit of RMB 98.215 billion for 2022, showing a year-on-year increase of 4.53%[22] - The company reported a net profit of CNY 5.769 billion from its subsidiaries, accounting for 6.26% of the group's total net profit[100] - The company achieved a net profit of 9.42 billion yuan, a year-on-year decrease of 23.72%[102] - The company reported a net profit margin of 3,168 million RMB, reflecting a 907.2% increase from the previous year[171] Assets and Liabilities - Total assets as of December 31, 2022, amounted to RMB 12,992,419 million, a growth of 11.4% compared to RMB 11,665,757 million in 2021[4] - The total liabilities of the group were RMB 11,956.68 billion, an increase of RMB 1,268.16 billion, representing an 11.86% growth compared to the previous year[59] - The total amount of customer deposits grew to RMB 7,949,072 million in 2022, compared to RMB 7,039,777 million in 2021, reflecting an increase of approximately 12.9%[170] - The total amount of issued bonds was RMB 530,861 million in 2022, compared to RMB 503,525 million in 2021, reflecting a growth of about 5.4%[170] Loans and Credit Quality - Customer loans increased to RMB 7,296,155 million, representing a rise of 11.2% from RMB 6,560,400 million in 2021[4] - The non-performing loan ratio improved to 1.35%, down from 1.48% in the previous year[4] - The total amount of credit impairment provisions was RMB 178.02 billion, an increase from RMB 161.16 billion at the end of the previous year[52] - The overdue loan balance was RMB 84,828 million, with an overdue rate of 1.16%, a decrease of 0.17 percentage points from the previous year[137] Shareholder Information - The total number of ordinary shares was 74,262,726,645, with A shares accounting for 52.85% and H shares for 47.15%[6] - The Ministry of Finance of the People's Republic of China holds 13,178,424,446 A shares, accounting for 17.75% of the total issued ordinary shares[7] - HSBC Holdings plc controls 14,135,636,613 H shares, representing 19.03% of the total issued ordinary shares[9] - The total dividends declared to ordinary shareholders for the year 2022 amounted to RMB 26,363 million, an increase from RMB 23,541 million in 2021[198] Investment and Financial Instruments - The bank issued a total of RMB 300 billion in subordinated capital bonds with a coupon rate of 3.45% in February 2022[17] - The total nominal amount of derivative financial instruments was RMB 6,483,671 million, with a fair value of assets at RMB 69,687 million and liabilities at RMB (46,804) million[193] - The total nominal amount of cash flow hedging instruments as of December 31, 2022, was RMB 253,680 million, with a fair value of assets at RMB 17,977 million and liabilities at RMB (1,222) million[194] Operational Efficiency and Strategy - The company plans to continue enhancing financial support for the real economy and improving the structure of liabilities to mitigate cost pressures[25] - The group aims to maintain a balanced funding source and application strategy to ensure liquidity needs are met in a timely manner[145] - The group plans to deepen its digital transformation, optimizing personal credit business processes and enhancing the integration of online and offline services[154] Risk Management - The bank has strengthened risk identification and accelerated risk disposal, with a focus on major risks and key areas, enhancing credit risk management continuously[129] - The group continuously improved its market risk management system, focusing on risk identification, measurement, monitoring, and reporting to maximize risk-adjusted returns[142] - The group has adhered to regulatory requirements for large risk exposure management, continuously monitoring and managing large risk exposure indicators[151] Employee and Corporate Governance - The group employs a total of 91,823 staff, with a gender distribution of 44.83% male and 55.17% female, ensuring equal employment and non-discrimination practices[155] - The board of directors confirmed adherence to the Corporate Governance Code, enhancing communication between the board and management to ensure effective governance practices[163] - During the reporting period, the bank conducted training for over 1.04 million employees, with 94% of training being online[161]