Financial Performance - Shengjing Bank reported a net profit of RMB 1,019,269,000 for the year ended December 31, 2022, representing a 136.6% increase compared to RMB 430,883,000 in 2021[10]. - The bank's interest income for 2022 was RMB 43,348,175,000, a 5.9% increase from RMB 40,915,676,000 in 2021[10]. - Non-interest income increased by 7.2% to RMB 3,299,427,000 in 2022 from RMB 3,079,002,000 in 2021[10]. - Operating income rose to RMB 16,153,111,000, reflecting a 4.4% growth compared to RMB 15,466,611,000 in the previous year[10]. - The bank's operating profit surged to RMB 1,191,249,000, a significant increase of 1,049.9% from RMB 103,595,000 in 2021[10]. - The bank's operating expenses decreased slightly by 1.1% to RMB 5,790,240,000 in 2022 from RMB 5,855,054,000 in 2021[10]. - Total assets reached RMB 1,082.41 billion, an increase of 7.6% compared to 2021[17]. - Total loans and advances amounted to RMB 613.36 billion, growing by 4.7% year-on-year[17]. - Total deposits increased to RMB 771.57 billion, also up by 4.7% from the previous year[17]. - The company achieved a net profit of RMB 1.02 billion, an increase of RMB 588 million, representing a growth of 136.6% year-on-year, driven by increased credit investment and improved asset quality[30]. Asset Quality and Risk Management - The non-performing loan ratio improved to 3.22%, down from 3.28% in 2021[14]. - The coverage ratio for provisions increased to 140.30%, up from 130.87% in the previous year[14]. - The impairment losses on assets for 2022 were RMB 91.72 billion, a decrease of 3.5% from the previous year, reflecting the company's prudent risk management practices[76]. - The company has implemented a comprehensive risk management and internal control compliance action plan to strengthen risk prevention[26]. - The bank's loan portfolio showed a healthy distribution, with 94.3% classified as normal loans as of December 31, 2022[109]. - The bank's strategy includes enhancing customer group construction and optimizing loan structures across ten preferred industries[111]. - The bank's focus on technology-driven strategies is aligned with its 2022-2025 information technology strategic plan[150]. - The bank has strengthened its reputation risk management by implementing 24/7 public opinion monitoring and enhancing public relations management[161]. Strategic Initiatives and Future Outlook - Future outlook includes a focus on expanding market presence and enhancing product offerings, although specific figures were not disclosed in the provided content[10]. - Shengjing Bank aims to leverage technology in its operations and improve customer service as part of its strategic initiatives[10]. - The company plans to continue optimizing its asset structure and increasing loan issuance to support economic development and meet financing needs[45]. - The bank is committed to innovation in supply chain finance services, contributing to the stability and quality of foreign trade[131]. - The bank has implemented a three-year action plan to promote inclusive finance, focusing on serving local economies and small and micro enterprises[141]. Customer and Market Development - Retail banking customers exceeded 27.7 million, with savings deposits reaching RMB 502.66 billion, accounting for 65.1% of total deposits[24]. - The company aims to focus on deposit growth, customer base development, value creation, and capability enhancement as part of its business strategy[20]. - The bank's personal deposit balance was RMB 502.664 billion as of December 31, 2022, maintaining rapid growth for three consecutive years[134]. - The number of mobile banking users reached 3.8244 million, with monthly active users increasing by 9.1% year-on-year[149]. Capital and Shareholder Information - Shareholders' equity amounted to RMB 81.44 billion, reflecting a year-over-year increase of RMB 0.93 billion or 1.2%[105]. - The total number of shares outstanding was 8,796,680,200, consisting of 6,455,937,700 domestic shares and 2,340,742,500 H-shares, with no changes during the reporting period[174]. - The largest shareholder, Shenyang Jin控 Investment Group Co., Ltd., held 1,829,225,327 shares, representing 20.79% of the total share capital[180]. - The company plans to issue financial bonds totaling up to RMB 30 billion, with a maximum of RMB 15 billion for perpetual bonds and another RMB 15 billion for other types of financial bonds[196]. Management and Governance - The company appointed new executive directors, including Ms. Liu Xu and Mr. Wang Jun, following the resignation of several board members due to personal work changes[199]. - The company has experienced a significant turnover in its board and senior management, indicating a potential shift in strategic direction[199]. - The company continues to focus on compliance with regulatory requirements for all new appointments[200].
盛京银行(02066) - 2022 - 年度业绩