Financial Performance - The net interest income for 2021 was RMB 8,456.5 million, an increase of 7.6% compared to RMB 7,861.2 million in 2020[14]. - The total operating income for 2021 reached RMB 10,347.5 million, reflecting a growth of 1.5% from RMB 10,191.6 million in 2020[14]. - The annual net profit attributable to shareholders was RMB 1,728.6 million, up from RMB 1,672.9 million in 2020, marking an increase of 3.3%[14]. - The basic earnings per share for 2021 was RMB 0.72, compared to RMB 0.69 in 2020, representing a growth of 4.3%[14]. - The average return on total assets decreased to 0.41% in 2021 from 0.44% in 2020, a decline of 0.03 percentage points[15]. - The net interest margin for 2021 was 1.92%, down from 2.22% in 2020, a decrease of 0.30 percentage points[15]. - The capital adequacy ratio improved to 13.21% in 2021, up from 10.71% in 2020, an increase of 2.50 percentage points[15]. - The total operating income for the group reached RMB 10.3475 billion, with the corporate banking segment contributing RMB 4.9544 billion, accounting for 47.9% of total revenue[118]. Asset and Loan Growth - Total assets reached RMB 461.5 billion, an increase of 11.0% compared to RMB 415.8 billion in 2020[16]. - Net customer loans and advances amounted to RMB 242.9 billion, reflecting an 18.1% growth from RMB 205.7 billion in 2020[16]. - Total customer deposits increased to RMB 344.9 billion, up by 9.9% from RMB 313.8 billion in 2020[16]. - The total amount of customer loans and advances was RMB 249.71 billion, with normal and attention loans totaling RMB 246.20 billion, accounting for 98.59%[97]. - The total amount of customer loans and advances reached RMB 249.715 billion, with an overall NPL ratio of 1.41%[100]. - The total amount of financial investments was RMB 147.28 billion, accounting for 31.9% of total assets, a decrease from 35.1% in the previous year[69]. Non-Performing Loans and Risk Management - Non-performing loan ratio improved to 1.41%, a decrease of 0.14 percentage points from 1.55% in 2020[16]. - The non-performing loan ratio has decreased steadily for three consecutive years, reflecting improved asset quality management[153]. - The provision for loan impairment losses increased to RMB 7.5314 billion, a rise of RMB 2.310 billion or 44.23% compared to the previous year, primarily due to increased provisioning efforts[113]. - The non-performing loan balance for corporate loans and advances was RMB 2.353 billion, a decrease of RMB 0.073 billion year-on-year, resulting in an NPL ratio of 1.57%, down 0.38 percentage points[99]. - The non-performing loan balance for mortgage loans decreased by RMB 223 million, with a non-performing loan ratio down by 0.50 percentage points[104]. Awards and Recognition - Jiujiang Bank has been recognized with multiple awards, including "Best City Commercial Bank" for its performance in financial bond underwriting in 2020[10]. - The bank received the "Outstanding Bank Award" for its excellence in the registration of financial products in 2020[10]. - The bank was recognized with multiple awards in 2021, including the "Outstanding ESG Progress Award" at the Hong Kong ESG Report Awards[12]. - The bank received the "Core Dealer" award in the interbank RMB market for 2021, highlighting its significant market influence[12]. Strategic Initiatives and Market Focus - Jiujiang Bank aims to expand its market presence, focusing on the Greater Bay Area and Yangtze River Delta regions[9]. - The bank has introduced strategic investors such as Industrial Bank and Beijing Automotive Group to enhance its brand image[9]. - The bank launched several digital transformation initiatives, including a new personal mobile banking app and various online service modules[24]. - The company aims to enhance risk management capabilities and compliance requirements in 2022, focusing on customer-centric and integrated operations[149]. Customer and Retail Banking - The retail customer base reached 4.37 million, a year-on-year increase of 11%, with VIP customers growing by 14.44% to 580,000[132]. - Personal deposits increased to RMB 129.2 billion, reflecting a year-on-year growth of 11.18%, while retail loans and advances reached RMB 86.6 billion, up 30.48%[132]. - The bank's small and micro loans increased by RMB 7.2 billion, with a growth rate of 70.58%, significantly outpacing other loan categories[132]. - The bank's transaction volume for merchant services reached RMB 26.7 billion, with over 91 million transactions processed, resulting in fee reductions exceeding RMB 16 million[133]. Compliance and Risk Management Framework - The company established a Compliance Management Committee to enhance top-level design and improve organizational structure, reviewing 8 proposals related to compliance policies in 2021[165]. - The company organized 13 compliance lectures attended by over 3,000 employees to strengthen compliance culture and awareness[167]. - The bank has developed a comprehensive risk management framework involving the board of directors, senior management, and various risk management departments[152]. - The bank has implemented a unified credit limit management system, enhancing risk asset disposal and receiving recognition from regulatory authorities[152]. Shareholder Structure and Capital - The total issued share capital of the company as of December 31, 2021, is 2,407,367,200 shares, including 2,000,000,000 domestic shares and 407,367,200 H shares[176]. - The largest shareholder, Jiujiang Finance Bureau, held 366,020,000 shares, accounting for 15.20% of the total[180]. - The top ten domestic shareholders held a total of 1,586,682,421 shares, representing 65.90% of the total share capital[180]. - The report highlights that the company has undergone significant changes in its shareholder structure, including the transfer of shares among various entities[181].

首届九江銀行 "更卓越奮鬥者" INTERIM REPORT 中期報告 2020 九江銀行股份有限公司 Bank of Jiujiang Co., Ltd. （於中華人民共和國註冊成立的股份有限公司） 股份代號：6190 (A joint stock company incorporated in the People's Republic of China with limited liability) Stock Code : 6190 九江銀行股份有限公司 Bank of Jiujiang Co., Ltd. The First "Distinguished Strivers" of Bank of Jiujiang 2020 目錄 2 公司簡介 5 會計數據及財務指標摘要 8 管理層討論與分析 76 股本變動及股東情況 89 董事、 監事、 高級管理層、 員工及機構情況 109 公司治理 115 重大事項 118 審閱報告 120 合併損益及其他綜合收益表 122 合併財務狀況表 124 合併權益變動表 125 合併現金流量表 127 未經審計合併財務報表附註 185 釋義 公司簡介 1. 基本資料 ...

九江银行 BANK OF JIUJIANG 6 Hicker 热 烈庆 祝九江市商业银行正规 2夜新年首步 首届九江銀行 "更卓越奮鬥者" 01 年度報告 九江銀行股份有限公司 Bank of Jiujiang Co., Ltd. (於中華人民共和國註冊成立的股份有限公司) 股份代號：6190 2 公司簡介 7 會計數據及財務指標摘要 10 董事長致辭 行長致辭 12 管理層討論與分析 14 股本變動及股東情況 74 86 董事、 監事、 高級管理人員、 員工及機構情況 目錄 120 企業管治報告 163 董事會報告 監事會工作報告 182 189 獨立核數師報告 綜合損益表及其他綜合收入表 197 199 綜合財務狀況表 201 綜合權益變動表 202 綜合現金流量表 綜合財務報表附註 205 357 釋義 中國江西省九江市濂溪區長虹大道619號 （郵編：332000） | --- | --- | |----------------------------|----------------------------------------------------------------------| | | ...