无锡农村商业银行股份有限公司关于召开 2023 年半 年度业绩说明会的公告 证券代码：600908 证券简称：无锡银行 公告编号：2023-042 本公司董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈述 或者重大遗漏，并对其内容的真实性、准确性和完整性承担法律责任。 重要内容提示： 会议召开时间：2023 年 9 月 19 日(星期二)下午 16:00-17:00 会 议 召 开 地 点 ： 上 海 证 券 交 易 所 上 证 路 演 中 心 （ 网 址 ： http://roadshow.sseinfo.com/） 会议召开方式：上证路演中心网络互动 投资者可于 2023 年 9 月 12 日(星期二)至 9 月 18 日(星期一)16:00 前登录 上 证 路 演 中 心 网 站 首 页 点 击 " 提 问 预 征 集 " 栏 目 或 通 过 公 司 邮 箱 （contact@wrcb.com.cn）进行提问。公司将在说明会上对投资者普遍关注的问题 进行回答。 无锡农村商业银行股份有限公司（以下简称"公司"）已于 2023 年 8 月 29 日发布公司 2023 年半年度报告，为便于广大投资者 ...

证券代码：600908 证券简称：无锡银行 公告编号：2023-043 会议审议并表决通过了如下议案： 一、关于无锡农村商业银行股份有限公司2023年半年度报告及摘要审核意 见的议案 表决结果：赞成9票；反对0票；弃权0票。 监事会认为： 1.公司2023年半年度报告及摘要的编制和审核程序符合法律、法规、公司章 程和公司内部管理制度的规定； 2.报告及摘要的内容和格式符合中国证监会和上海证券交易所的有关规定， 报告及摘要的内容真实、准确、完整地反映了本公司报告期内的经营管理和财务 状况等事项，不存在任何虚假记载、误导性陈述或重大遗漏； 3.在出具意见前，未发现参与2023年半年度报告及摘要编制的人员存在违反 保密规定、损害公司利益的行为。 二、关于无锡农村商业银行股份有限公司2022年度关联交易专项审计报告 的议案 无锡农村商业银行股份有限公司 第六届监事会第十次会议决议公告 本公司监事会及全体监事保证本公告内容不存在任何虚假记载、误导性陈述 或者重大遗漏，并对其内容的真实性、准确性和完整性承担法律责任。 无锡农村商业银行股份有限公司（以下简称"公司"）于2023年8月14日以 电子邮件形式向全体监事发出关于 ...

本次交易前本行持有姜堰村镇银行51%的股份，为进一步加强对姜堰村 镇银行的控制，提升决策管理效率，增强市场竞争力，本行拟收购姜堰村镇 银行部分股东所持有的1350万股股份，占该行总股本的9%。 2023年8月25日，本行第六届董事会第十次会议审议通过《关于收购泰州 姜堰锡州村镇银行股份有限公司部分股东股份的议案》。本次交易尚未与姜堰 村镇银行任何股东签订股权转让协议，交易尚需经监管机构审核批准，存在 一定的不确定性。 二、姜堰村镇银行的基本情况 姜堰村镇银行是由本行发起设立的股份制法人银行，本行作为姜堰村镇 证券代码：600908 证券简称：无锡银行 公告编号：2023-041 无锡农村商业银行股份有限公司关于收购泰州姜堰 锡州村镇银行股份有限公司部分股东股份的提示性 公告 本公司董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈述 或者重大遗漏，并对其内容的真实性、准确性和完整性承担法律责任。 重要内容提示： 无锡农村商业银行股份有限公司（以下简称"本行"）拟收购泰州姜堰锡 州村镇银行股份有限公司（以下简称"姜堰村镇银行"或"该行"）部分股东所持有 的1350万股股份。本行尚未与姜堰村镇银行任何股东 ...

Financial Performance - Operating revenue for Q1 2023 reached RMB 1,241,972,000, an increase of 3.65% compared to the same period last year[8]. - Net profit attributable to shareholders was RMB 547,415,000, reflecting a growth of 23.18% year-on-year[8]. - Basic earnings per share were RMB 0.25, up by 4.17% from the previous year[8]. - Net profit for Q1 2023 was CNY 550,929 thousand, a rise of 23.2% from CNY 446,979 thousand in Q1 2022[28]. - Total operating revenue for Q1 2023 reached CNY 1,241,972 thousand, an increase of 3.6% compared to CNY 1,198,281 thousand in Q1 2022[28]. - Total operating revenue for Q1 2023 was $1,228,143 million, an increase of 3.7% compared to $1,183,468 million in Q1 2022[45]. - The company reported a total comprehensive income of $541,804 million for Q1 2023, compared to $438,777 million in Q1 2022, an increase of 23.5%[48]. Cash Flow and Investments - Net cash flow from operating activities surged to RMB 9,631,965,000, marking a significant increase of 244.41%[8]. - Cash flow from operating activities increased significantly to $9,607,526 million, compared to $2,833,503 million in Q1 2022[52]. - The net cash flow from investment activities was -4,938,569 in Q1 2023, a decline from 219,510 in Q1 2022, indicating a negative shift in investment cash flow[34]. - The net cash flow from investing activities was negative at -$4,938,568 million, compared to a positive cash flow of $219,537 million in Q1 2022[52]. - Total cash inflow from investment activities reached 78,463,463 in Q1 2023, compared to 35,971,698 in Q1 2022, marking an increase of about 118%[34]. Assets and Liabilities - Total assets at the end of Q1 2023 amounted to RMB 226,516,839,000, representing a 7.05% increase from the end of the previous year[10]. - The total assets as of March 31, 2023, amounted to 225,316,769, an increase from 210,405,962 at the end of 2022, representing a growth of approximately 7.1%[40]. - The total liabilities increased to CNY 206,447,752 thousand, up from CNY 192,083,292 thousand at the end of 2022, reflecting a growth of 7.5%[23]. - The total liabilities increased to 205,408,279 as of March 31, 2023, compared to 191,039,277 at the end of 2022, indicating a rise of about 7.5%[41]. - Total assets increased to CNY 226,516,839 thousand as of March 31, 2023, up from CNY 211,603,401 thousand at the end of 2022, representing a growth of 7.0%[22][23]. Equity and Capital Ratios - The total equity attributable to shareholders increased to RMB 19,927,920,000, a rise of 2.81% compared to the end of the previous year[10]. - The company's total equity rose to CNY 20,069,087 thousand, compared to CNY 19,520,109 thousand at the end of 2022, marking an increase of 2.8%[23]. - The company’s total equity as of March 31, 2023, was 19,908,490, up from 19,366,685 at the end of 2022, indicating an increase of about 2.8%[41]. - The core Tier 1 capital adequacy ratio improved to 11.09% as of March 31, 2023, from 10.97% as of December 31, 2022[65]. - The total capital adequacy ratio was 14.25% as of March 31, 2023, slightly down from 14.75% as of December 31, 2022[65]. Asset Quality and Performance Metrics - The weighted average return on equity decreased to 12.40%, down by 0.28 percentage points year-on-year[8]. - The company reported a decrease in credit impairment losses to CNY 302,233 thousand, down from CNY 410,552 thousand year-over-year, indicating improved asset quality[28]. - The non-performing loan ratio decreased to 0.78% as of March 31, 2023, down from 0.81% as of December 31, 2022[65]. - The average return on total assets rose to 1.01% as of March 31, 2023, compared to 0.97% as of December 31, 2022[65]. - The cost-to-income ratio improved to 25.47% as of March 31, 2023, from 30.98% as of December 31, 2022[65]. Strategic Focus - The company plans to continue focusing on market expansion and enhancing its product offerings to drive future growth[24].

证券代码：600908 证券简称：无锡银行 公告编号：2023-028 无锡农村商业银行股份有限公司关于召开 2022 年度 暨 2023 年第一季度业绩说明会的公告 本公司董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈述 或者重大遗漏，并对其内容的真实性、准确性和完整性承担个别及连带责任。 重要内容提示： 会议召开时间：2023 年 5 月 10 日(星期三)下午 16:00-17:00 会 议 召 开 地 点 ： 上海证券 交 易 所 上 证 路 演 中 心 （ 网 址 ： http://roadshow.sseinfo.com/） （一）会议召开时间：2023 年 5 月 10 日下午 16:00-17:00 会议召开方式：上证路演中心网络互动 投资者可于 2023 年 4 月 28 日(星期五)至 5 月 9 日(星期二)16:00 前登录 上 证 路 演 中 心 网 站 首 页 点 击 " 提 问 预 征 集 " 栏 目 或 通 过 公 司 邮 箱 （contact@wrcb.com.cn）进行提问。公司将在说明会上对投资者普遍关注的问题 进行回答。 无锡农村商业银行股份有限公司（以下简 ...

Financial Performance - Net profit attributable to ordinary shareholders of the company is 2,001,129 thousand RMB[1] - Net profit attributable to shareholders of the company was 2.001 billion RMB, a year-on-year increase of 26.65%[11] - Revenue for the year reached 1,198,281 million, with a net profit attributable to shareholders of 444,387 million[195] - Operating revenue for the year was 4.48 billion RMB, a year-on-year increase of 3.01%[11] - Revenue increased by 3.01% to 4,480,307 thousand RMB in 2022 compared to 2021[64] - Net profit attributable to parent company shareholders rose by 26.65% to 2,001,129 thousand RMB in 2022[64] - Non-interest net income grew by 17.41% to 992,326 thousand RMB in 2022[64] - Credit impairment losses decreased by 36.41% to 817,461 thousand RMB in 2022[64] - Total investment income increased to 632,608 thousand RMB in 2022 from 558,970 thousand RMB in 2021[67] - Current income tax expense rose to 404,328 thousand RMB in 2022 from 382,426 thousand RMB in 2021[69] - The company's net fee and commission income increased to 2.27 billion yuan in 2022, up from 1.83 billion yuan in 2021[30] - The company's non-interest net income for 2022 included 35.98 million yuan in taxes and surcharges, slightly up from 35.93 million yuan in 2021[39] Dividend and Profit Distribution - Cash dividend amount (including tax) is 430,223 thousand RMB, accounting for 21.50% of the net profit attributable to ordinary shareholders of the company[1] - Cash dividend distribution: 2.00 RMB per 10 shares, totaling 430,222,947.00 RMB based on 2,151,114,735 shares as of December 31, 2022[170] - Minimum cash dividend ratio for mature stage companies without major capital expenditures: 80%[168] - Minimum cash dividend ratio for growth stage companies with major capital expenditures: 20%[184] - The company plans to allocate at least 40% of profits for cash dividends during the mature stage with significant capital expenditure arrangements[141] - The company commits to distributing at least 10% of the distributable profits in cash if dividends are allocated[149] - Profit distribution policy requires approval by two-thirds of the board of directors and shareholders[160] - Independent directors and external supervisors play a key role in overseeing profit distribution policies and proposals[167] Loans and Deposits - Total deposits at the end of the year reached 172.684 billion RMB, an increase of 15.9 billion RMB from the beginning of the year, a growth rate of 10.14%[11] - Total loans at the end of the year reached 128.609 billion RMB, an increase of 10.799 billion RMB from the beginning of the year, a growth rate of 9.17%[11] - The company's total loans reached 128.61 billion yuan in 2022, with secured loans accounting for 44.88% of the total[35] - Personal housing loans accounted for 60.27% of the company's total personal loans, reaching 16.13 billion yuan in 2022[36] - Total loans and advances increased by 9.17% from 117,810,314 thousand yuan in 2021 to 128,609,194 thousand yuan in 2022[56] - Manufacturing sector loans increased by 15.45% to 24,462,139 thousand yuan in 2022, accounting for 19.02% of total loans[56] - Personal loans increased by 6.55% to 26,769,455 thousand yuan in 2022, accounting for 20.81% of total loans[56] Risk Management and Compliance - Non-performing loan ratio was 0.81%, a decrease of 0.12 percentage points from the beginning of the year[11] - The company adheres to a prudent and steady compliance management philosophy, with a gradual decline in overdue interest loan ratio and low levels of non-performing loan ratio, attention loan ratio, and non-performing loan generation rate[6] - The company actively manages credit risk, maintains sufficient risk provisions, and controls the growth of non-performing loans[74] - The company has implemented strict controls on concentration risk, ensuring that exposure to single clients or groups does not significantly impact its operations[91] - The company has strengthened its operational risk management framework to prevent major operational risk events and improve internal controls[90] - The company has optimized its credit structure across industries and regions to manage concentration risk effectively[91] - The company will strengthen credit risk management, ensuring high quality of new loans and reducing risks in existing loans, while strictly adhering to accounting standards and regulatory requirements for loan loss provisions[112] Corporate Governance and Board Activities - The company has established a comprehensive corporate governance structure, including a board of directors and a board of supervisors, to ensure effective decision-making and supervision[94] - The company has established various committees under the board of directors and senior management to oversee strategic, risk, and financial management[94] - The company has enhanced its information transparency and governance mechanisms to align with advanced joint-stock commercial banks[94] - The company has implemented a robust system of checks and balances between decision-making, execution, and supervision mechanisms to ensure sustainable development[94] - The company held its 2021 Annual General Meeting on May 20, 2022, where key resolutions included the approval of the 2021 Board of Directors Work Report, Supervisory Committee Work Report, and the 2021 Annual Report[97] - The 2022 First Extraordinary General Meeting was held on November 15, 2022, with a key resolution to extend the validity period of the non-public issuance of A-shares[98] - The company's 2022 Annual Report was published, detailing the current and former directors, supervisors, and senior management's shareholding changes and remuneration[100] - The 2022 Annual Report also included information on the current and former directors, supervisors, and senior management's positions during the reporting period[103] - The company held 5 board meetings in 2022, including 4 on-site meetings and 1 via teleconference[135] - The company revised its Articles of Association, Rules of Procedure for Shareholders' Meetings, and Rules of Procedure for Board Meetings[120] - The company revised its related party transaction management measures, independent director work system, and information disclosure management system[120] - The company revised its anti-money laundering and terrorist financing risk management measures, and liquidity risk management measures[120] - The company reported on the use of previous funds raised and proposed a non-public issuance of A-shares[120] - The company appointed Chen Ren as Vice President in July 2022[120] - The company reviewed and approved the 2022 semi-annual report and compliance case prevention report[120] - The company reviewed and approved the 2022 third-quarter report and extended the validity period for the non-public issuance of A-shares[120] - The company revised the management measures for directors, supervisors, and senior management's shareholding and changes[120] - The company revised the working rules for the Board's specialized committees, including the Audit Committee, Strategic Development Committee, and Nomination and Remuneration Committee[120] - The company's board of directors held 5 meetings in 2022, with all directors attending either in person or via teleconference[188] - The company's strategic development committee held 2 meetings in 2022, focusing on enhancing strategic management and planning for the next three years[189] - The risk and related transaction control committee held 3 meetings in 2022, emphasizing the importance of financial technology and liquidity risk management[189] Capital and Funding - Successfully raised 2 billion RMB through non-public issuance of A-shares, providing effective capital support for future sustainable development[11] - The company aims to optimize shareholder structure and accelerate business transformation through a non-public stock issuance[189] - Capital reserve increased by 166.32% to 2,735,945 thousand yuan in 2022 due to non-public stock issuance[53] - Share capital increased to 2,151,115 thousand RMB in 2022 from 1,861,676 thousand RMB in 2021[70] Investments and Subsidiaries - The company holds a 51% stake in Jiangsu Tongshan Xizhou Rural Bank, which reported total assets of 810.44 million yuan and net profit of 13.15 million yuan in 2022[32] - The company holds significant stakes in rural commercial banks in Jiangsu, including 16.25% in Jiangsu Huai'an Rural Commercial Bank and 19.35% in Jiangsu Donghai Rural Commercial Bank[27] - Xuzhou Rural Commercial Bank, in which the company holds a 10.95% stake, reported a net profit of 258 million RMB in 2022[73] - Total assets of Jiangsu Donghai Rural Commercial Bank reached 22.464 billion yuan, with net assets of 1.804 billion yuan by the end of 2022[88] - Jiangsu Donghai Rural Commercial Bank achieved a net interest income of 603 million yuan and a net profit of 278 million yuan in 2022[88] - The company holds a 19.35% stake in Jiangsu Donghai Rural Commercial Bank, which has a registered capital of 379 million yuan[88] Cash Flow and Financial Position - Operating cash flow decreased significantly from 7,221,939 thousand yuan in 2021 to 1,681,089 thousand yuan in 2022, a decrease of 76.72%[45] - Investment cash flow turned positive from -3,825,876 thousand yuan in 2021 to 1,400,199 thousand yuan in 2022[45] - Financing cash flow decreased from -1,059,215 thousand yuan in 2021 to -3,762,847 thousand yuan in 2022, a decrease of 255.34%[45] - Investment property decreased by 47.17% from 2021 to 2,603 thousand yuan in 2022 due to conversion to fixed assets[53] - Construction in progress increased by 50.18% to 36,006 thousand yuan in 2022 due to increased investment[53] - Borrowings from central bank decreased by 32.64% to 6,470,467 thousand yuan in 2022 due to adjustments in asset-liability allocation[53] - Total equity of minority shareholders increased to 137,653 thousand RMB in 2022 from 128,999 thousand RMB in 2021[71] - Total long-term deferred expenses and other expenses amounted to 1.39 billion yuan in 2022, up from 1.25 billion yuan in 2021[31] Human Resources and Compensation - Total number of employees in the parent company and major subsidiaries is 1,708, with 1,662 in the parent company and 46 in major subsidiaries[139] - Number of technical personnel is 150, financial personnel is 11, administrative personnel is 76, management personnel is 182, and business personnel is 1,289[139] - Education level breakdown: 248 employees with postgraduate degrees or above, 1,222 with bachelor's degrees, 188 with associate degrees, and 50 with education below associate degree level[139] - Total compensation for all directors, supervisors, and senior management at the end of the reporting period was RMB 219.158 million[111] - The company's board of directors has a nomination and remuneration committee responsible for setting and reviewing the remuneration policies and schemes for directors and senior management[111] - Performance-based compensation system implemented across all departments and branches, with customized performance contracts[157] - Comprehensive employee training system established, with plans to enhance internal trainer system in 2023[158] - Total labor outsourcing hours: 696,783 hours[159] - Total compensation paid for labor outsourcing: 44.0715 million RMB[159] Awards and Recognition - The company was awarded the "2022 Wuxi City Local Tax Contribution Top 100 Enterprises" by the Wuxi Municipal Government[196] - The company ranked 64th in the "Jiangsu Service Industry Enterprise Top 100" by the Jiangsu Enterprise Confederation[196] - The company received the "2022 Wuxi Banking Financial Institutions Inclusive Financial Services Advanced Unit" award from the China Banking and Insurance Regulatory Commission Wuxi Supervision Bureau[197] Environmental and Social Responsibility - The company implemented a "green credit" policy, with environmental risk management as a key factor in credit approval, and established a "one-vote veto" system for environmental compliance[17] - The company has deepened its green credit policy, guiding credit resources towards green finance, resulting in improved quality of green finance work[112] - Total external donations and public welfare projects: 1.6791 million RMB, including 1.266 million RMB in funds and 413,100 RMB in material equivalents[165] Information Disclosure and Investor Relations - The company released 4 periodic announcements and 44 temporary announcements in 2022, enhancing the standardization and efficiency of information disclosure[16] - The company organized over 30 batches of investor meetings, involving nearly 500 investors, to communicate its development strategy and management[16] - The company's financial technology application level and data governance capabilities have been comprehensively improved[189] Strategic Development and Future Plans - The company plans to enhance capital management, reduce capital consumption, and improve capital efficiency by linking performance evaluation and product pricing with capital[112] - The company aims to increase credit supply to the real economy, ensuring rapid growth in customer numbers, accurate credit supply, and convenient demand对接[112] - The company will innovate audit methods by leveraging financial digital technology and strengthen employee training to enhance audit culture[112] - The company plans to conduct research on audit projects for the next year, identify key audit projects, and strengthen audit work[112] - The company has elected new directors and supervisors at its 2023 first extraordinary general meeting[119] - The company has reviewed and approved various reports and plans, including the 2021 annual audit report, financial budget for 2022, and profit distribution plan for 2021[119] Board and Supervisory Committee Meetings - The company held its sixth board of supervisors' fourth meeting on April 28, 2022, discussing various reports including the 2021 annual report, financial budget, and risk preference statement[155] - The sixth board of supervisors' fifth meeting on August 26, 2022, reviewed the 2022 semi-annual report and special audit reports on related transactions and bad loan write-offs[156] - The sixth board of supervisors' sixth meeting on October 27, 2022, reviewed the 2022 third-quarter report and extended the validity period of the resolution and authorization for the non-public issuance of A shares[156] - The sixth board of supervisors' seventh meeting on December 20, 2022, reviewed the special audit report on 2021 salary and performance management[156] Directors and Senior Management - Director Ru Huajie holds multiple executive positions across various investment and management companies, including General Manager and Director roles[104] - Director Zhou Weiping serves as a Non-Executive Director at Guolian Securities Co., Ltd and holds director roles in energy and real estate companies[104] - Director Sun Zhiqiang holds executive roles in multiple companies, including General Manager positions in petrochemical and technology firms[104] - Director Yin Xinzhong serves as Chairman of Wuxi Xingda Nylon Co., Ltd and Wuxi Shenwei Chemical Co., Ltd[108] - Director Sun Zhiqiang is the Chairman of Wuxi Wanxin Machinery Co., Ltd[108] - Director Wan Niya serves as a Director at Wuxi Construction Development Investment Co., Ltd[108] - Director Shao Leping is the head of Wuxi Lianyou Forging Factory[108] - Director Wu Ping holds roles as Financial Director and Supervisor at Wuxi Huishan Technology Innovation Industry Group Co., Ltd[108] - Director Lu Xianglin serves as Executive Director at Wuxi Hengyu Asset Management Co., Ltd[108] - The company's board members have extensive experience in finance, investment, and management, with roles spanning multiple industries and regions[104][108] - The company's board of directors appointed Mr. Chen Ren as the new vice president during the sixth session of the fifth board meeting[111] - Mr. Wang Feng was appointed as the new board secretary during the sixth session of the fourth board meeting[111] - Mr. Chen Hui, the former vice president, left his position due to work-related reasons[111] - Ms. Ye Minmin, the former chief information officer, left her position due to work-related reasons[111] - Mr. Zhao Hanmin, a supervisor, left his position due to personal reasons[111] - Mr. Bao Ming, a supervisor, left his position due to personal reasons[111] Business Scope and Operations - The company's main business scope includes deposit absorption, loan issuance, domestic and international settlement, and government bond trading[197]

Financial Performance - The company's operating income for Q3 2022 was CNY 1,125,420,000, representing a year-on-year increase of 6.46%[7] - The net profit attributable to shareholders for the same period was CNY 423,038,000, reflecting a 2.61% increase compared to the previous year[7] - The net profit after deducting non-recurring gains and losses was CNY 391,106,000, showing a decrease of 4.93% year-on-year[7] - Total operating revenue for the first three quarters of 2022 reached 3,461,068 thousand yuan, an increase from 3,246,080 thousand yuan in the same period of 2021, representing a growth of approximately 6.6%[34] - Net interest income for the first three quarters of 2022 was 2,612,507 thousand yuan, slightly up from 2,587,980 thousand yuan in 2021, indicating a growth of about 0.9%[34] - The net profit attributable to shareholders of the parent company for the first three quarters of 2022 was 1,443,030 thousand yuan, compared to 1,195,264 thousand yuan in 2021, reflecting an increase of approximately 20.7%[34] - The total comprehensive income for the first three quarters of 2022 was 1,446,721 thousand yuan, compared to 1,256,876 thousand yuan in 2021, marking an increase of approximately 15.1%[37] - The basic earnings per share for Q3 2022 was CNY 4.55, while the diluted earnings per share decreased by 20.00%[7] - The basic earnings per share for the first three quarters of 2022 was 0.76 yuan, up from 0.64 yuan in the same period of 2021, representing a growth of about 18.8%[37] Assets and Liabilities - The total assets at the end of the reporting period reached CNY 210,224,428,000, an increase of 4.19% from the end of the previous year[7] - The total liabilities reached RMB 193,214,838 thousand, compared to RMB 185,845,702 thousand at the end of 2021[30] - The total assets amounted to RMB 210,224,428 thousand, an increase from RMB 201,769,863 thousand as of December 31, 2021[28] - The total deposits amounted to CNY 168,351,303,000, up from CNY 156,783,803,000 at the end of 2021[19] - The total loans increased to CNY 126,997,704,000, compared to CNY 117,810,314,000 at the end of the previous year[19] Cash Flow - The net cash flow from operating activities showed a significant decline of 67.44% year-on-year[10] - The net cash flow from operating activities for the first three quarters of 2022 was 2,068,913 thousand yuan, down from 6,354,444 thousand yuan in the same period of 2021, a decrease of about 67.4%[40] - The net cash flow from investing activities for the first three quarters of 2022 was 5,301,712 thousand yuan, compared to -2,575,573 thousand yuan in 2021, indicating a significant improvement[42] - The total liabilities as of the end of the reporting period were not specified, but the company reported a net increase in cash and cash equivalents of 3,879,215 thousand yuan for the first three quarters of 2022[42] Capital and Ratios - Core Tier 1 capital net amount reached RMB 13,541,395 thousand, with a Core Tier 1 capital adequacy ratio of 9.00%[20] - The leverage ratio as of September 30, 2022, was 6.52%, up from 6.32% on December 31, 2021[21] - The weighted average return on equity was 11.12%, a decrease of 0.04 percentage points compared to the previous year[7] - The average return on total assets increased to 0.93% from 0.85% year-over-year[24] - The provision coverage ratio increased to 539.05% from 477.19% year-over-year[24] - The cost-to-income ratio improved to 26.16% from 28.77% in the previous year[24] - Non-performing loan ratio improved to 0.86% from 0.93% in the previous year[24] Future Plans - The company plans to continue expanding its market presence and investing in new technologies to enhance its service offerings in the future[36]

Financial Performance - The company reported a total revenue of 1,200 million RMB for the first half of 2022, representing a year-on-year increase of 15%[20] - Net profit attributable to shareholders reached 300 million RMB, up 10% compared to the same period last year[20] - The company's operating revenue for the first half of the year reached CNY 2,335,648, an increase of 6.70% compared to the same period last year[28] - Net profit attributable to shareholders was CNY 1,019,992, reflecting a growth of 30.27% year-on-year[28] - The net profit for the first half of 2022 was 1,023,954 thousand yuan, representing a 26.96% increase compared to the same period in 2021[69] - Basic earnings per share rose to RMB 0.53, compared to RMB 0.42 in the first half of 2021, reflecting a growth of 26.2%[184] - The company reported a total comprehensive income of RMB 1,020,636, up from RMB 843,380, indicating a growth of 20.9%[184] Asset and Liability Management - The total assets of the company amounted to 50,000 million RMB, reflecting a growth of 8% year-on-year[20] - The total assets at the end of the reporting period were CNY 208,386,011, representing a 3.28% increase from the end of the previous year[28] - The total liabilities increased to CNY 191,467,410,000, a 3.02% rise from CNY 185,845,702,000 year-over-year[52] - The company's total equity increased to CNY 16,918,601 thousand by the end of the reporting period, up from CNY 15,924,161 thousand at the beginning of the period, reflecting a growth of about 6.26%[80] Risk Management - The non-performing loan ratio stood at 1.5%, which is a decrease of 0.2 percentage points from the previous year[20] - The non-performing loan ratio improved to 0.87%, down from 0.93% at the end of the previous year, a decrease of 0.06 percentage points[31] - The bank's risk management framework has been strengthened, with a focus on comprehensive risk management and monitoring across various risk indicators[44] - The company has no foreseeable major risks, with effective measures in place to manage credit, market, and liquidity risks[11] Customer Deposits and Loans - Customer deposits increased by 12% year-on-year, totaling 40,000 million RMB[20] - The total deposits reached CNY 167,004,594, marking a 6.52% increase from the end of the previous year[28] - The total loan balance stood at CNY 1247.19 billion by the end of June 2022, with an increase of CNY 69.09 billion, reflecting a growth rate of 5.86%[43] - The balance of personal loans was CNY 26,691,794, which constituted 21.40% of total loans as of June 30, 2022, compared to 21.32% at the end of 2021[58] Operational Efficiency - The net cash flow from operating activities amounted to CNY 1,165,834, up by 21.25% from the previous year[28] - Operating expenses decreased to CNY 1,231,495,000, down 4.31% from CNY 1,286,941,000 year-over-year[46] - The company has established a total of 1 direct operating department, 3 branches, and 53 sub-branches as of June 30, 2022[38] Strategic Initiatives - The company plans to expand its market presence by opening 10 new branches in the next fiscal year[20] - Investment in technology and new product development is expected to increase by 20% in 2023[20] - The company has developed diverse financial products to support rural revitalization, including a specialized loan product for land management rights called "Certainty Loan"[103] - The company has established a service relationship with Yangshan Town to enhance financing support and financial services for rural revitalization projects[106] Corporate Governance - There are no non-operational fund occupations by controlling shareholders or related parties[9] - The company has no significant non-operating fund occupation by controlling shareholders or related parties during the reporting period[122] - The remuneration system for directors and senior management is linked to the execution of the company's compensation measures[120] Environmental and Social Responsibility - The company has implemented a "green credit" policy, focusing on controlling high-energy and high-pollution enterprises, with strict credit approval processes based on environmental management status[101] - The company has reduced resource consumption through various measures, including promoting paperless transactions and optimizing office processes, resulting in significant reductions in paper usage and energy consumption[102] - The company has implemented a monitoring mechanism for environmental risks, ensuring comprehensive assessment of clients' environmental and social risk factors[101] Shareholder Information - The total number of shares increased to 1,861,677,480, with 1,958 shares added due to the conversion of "Wuxi Convertible Bonds" during the first half of 2022[137] - The largest shareholder, Guolian Trust Co., holds 166,330,635 shares, representing 8.93% of total shares[140] - The total number of common shareholders as of the end of the reporting period is 53,351[140]

Financial Performance - The company's operating revenue for Q1 2022 was RMB 1,198,281,000, representing a year-on-year increase of 9.07%[6] - Net profit attributable to shareholders was RMB 444,387,000, reflecting a growth of 22.52% compared to the same period last year[6] - Basic earnings per share for the period was RMB 0.24, up by 20% from the previous year[6] - Net profit for Q1 2022 reached RMB 446,979 thousand, a 21.5% increase compared to RMB 367,542 thousand in Q1 2021[29][30] - Net interest income rose to RMB 888,849 thousand in Q1 2022, up from RMB 843,143 thousand in Q1 2021, reflecting a growth of 5.4%[29] - Total operating income for Q1 2022 was RMB 1,198,281 thousand, an increase of 9.1% from RMB 1,098,684 thousand in Q1 2021[29] - Net profit for Q1 2022 reached 441,690 thousand RMB, a 23.4% increase from 357,689 thousand RMB in Q1 2021[46] Cash Flow and Investments - The net cash flow from operating activities reached RMB 2,796,695,000, marking a significant increase of 43.72% year-on-year[6] - Net cash flow from operating activities increased to CNY 2,796,695 thousand in Q1 2022, up from CNY 1,945,996 thousand in Q1 2021, representing a growth of 43.9%[34] - Net cash inflow from investment activities reached CNY 219,510 thousand in Q1 2022, a significant improvement compared to a net outflow of CNY 4,274,721 thousand in Q1 2021[36] - The company reported a net cash outflow from financing activities of CNY 1,635,798 thousand in Q1 2022, contrasting with a net inflow of CNY 1,886,339 thousand in Q1 2021[36] Assets and Liabilities - Total assets at the end of the reporting period amounted to RMB 208,083,708,000, an increase of 3.13% from the end of the previous year[9] - Total assets increased to RMB 208,083,708 thousand as of March 31, 2022, up from RMB 201,769,863 thousand at the end of 2021, representing a growth of approximately 3.6%[23][24] - The total liabilities increased to RMB 191,715,472 thousand as of March 31, 2022, compared to RMB 185,845,702 thousand at the end of 2021, marking a rise of approximately 3.7%[24] - Total liabilities as of March 31, 2022, were CNY 190,503,726 thousand, compared to CNY 184,718,210 thousand at the end of 2021, an increase of 3.9%[42] Shareholder Information - The number of ordinary shareholders at the end of the reporting period was 52,425[13] - The top shareholder, Guolian Trust Co., Ltd., held 166,330,635 shares, accounting for 8.93% of the total shares[13] Operational Efficiency - The weighted average return on equity rose to 3.17%, an increase of 0.61 percentage points compared to the previous year[9] - The bank's non-performing loan ratio remained stable, reflecting effective risk management strategies in place[29] - The cost-to-income ratio significantly improved to 24.40% from 28.77% at the end of 2021, reflecting better operational efficiency[65] Future Plans and Strategies - The bank plans to enhance its digital banking services and expand its market presence in rural areas to drive future growth[29] - The company did not report any new product launches or major strategic changes during the quarter[18]

Financial Performance - The company's operating revenue for 2021 was 4,349,269 thousand RMB, an increase of 11.63% compared to 2020[23]. - Net profit attributable to shareholders was 1,580,041 thousand RMB, reflecting a growth of 20.47% year-over-year[23]. - The net cash flow from operating activities decreased by 23.87% to 7,221,939 thousand RMB compared to the previous year[23]. - Total assets at the end of 2021 reached 201,769,863 thousand RMB, up 12.08% from 2020[23]. - The company's total liabilities increased by 11.99% to 185,845,702 thousand RMB at the end of 2021[24]. - Basic earnings per share rose to 0.81 RMB, an increase of 14.08% compared to 2020[23]. - The weighted average return on equity increased to 11.41%, up 0.57 percentage points from 2020[23]. - The company reported a government subsidy income of 25,910 thousand RMB, significantly higher than the previous year's 10,697 thousand RMB[32]. - Total deposits reached CNY 156.78 billion, an increase of CNY 15.45 billion, representing a growth of 10.93% year-over-year[38]. - Total loans amounted to CNY 117.81 billion, up CNY 18.12 billion, with a growth rate of 18.17% year-over-year[38]. Risk Management - The company has reported no foreseeable major risks, with operational risks primarily including credit risk, market risk, liquidity risk, and operational risk[7]. - The company has taken various measures to effectively manage and control operational risks[7]. - The non-performing loan ratio improved to 0.93%, down from 1.10% in 2020, indicating better asset quality[28]. - The capital adequacy ratio decreased to 14.35%, down 0.86 percentage points from the previous year[27]. - The coverage ratio for non-performing loans was 477.19%, an increase of 121.31 percentage points year-over-year[38]. - The bank has maintained a low non-performing loan ratio, ensuring solid asset quality for its transformation efforts[55]. - The bank's risk management level has continuously improved, with a solid compliance management framework in place[197]. - The bank emphasizes the need for ongoing management of implicit risk loans, particularly in light of potential risk exposures following the expiration of two key policies[199]. - The bank plans to strengthen monitoring of credit risks, especially in sensitive sectors such as education, real estate, and government hidden debts[199]. Governance and Compliance - The company has established a governance structure that includes a shareholders' meeting, board of directors, supervisory board, and senior management, ensuring effective checks and balances in decision-making and execution[134]. - The company has implemented measures to enhance information transparency and optimize governance mechanisms in compliance with relevant laws and regulations[134]. - The governance structure includes various committees such as the Strategic Development Committee and Risk Control Committee, aimed at improving strategic and risk management[134]. - The company has not reported any significant differences in governance practices compared to regulations set by the China Securities Regulatory Commission[135]. - The company has established rules and procedures for the operation of its governance bodies to ensure effective management and oversight[134]. - The total pre-tax remuneration for all directors, supervisors, and senior management at the end of the reporting period amounted to 26.724 million yuan[173]. - The remuneration decision-making process for directors and senior management is overseen by the board's nomination and remuneration committee[173]. - The company has not faced any penalties from securities regulatory agencies in the past three years[178]. - The bank's compliance report for the first half of 2021 was reviewed[183]. Strategic Focus and Future Outlook - The company plans to expand its market presence and invest in new technologies to enhance service offerings[106]. - The company is actively pursuing mergers and acquisitions to strengthen its competitive position[155]. - The company is focusing on expanding its market presence and exploring new strategies for growth[155]. - Future guidance suggests a cautious but optimistic approach to navigating market challenges[155]. - The company expects total assets to grow by approximately 19 billion yuan in 2022, with a net profit increase of around 10%[127]. - The bank plans to focus on inclusive finance, green finance, and supply chain finance as key development areas[125]. - The company is committed to maintaining compliance with regulatory standards while pursuing high-quality development[126]. - The management provided a positive outlook for future performance, indicating potential growth in user data and market share[155]. Operational Efficiency and Technology - The company is committed to leveraging technology for operational efficiency, including remote banking and big data applications[56]. - The bank's financial technology application and data governance capabilities have been significantly enhanced, supporting high-quality development[197]. - The company is focused on enhancing its technological capabilities to improve operational efficiency and customer service[165]. - The bank's technology talent development is a priority, with plans to enhance the training system for high-quality technology professionals[197]. - The company aims to improve operational efficiency through strategic investments in technology[155]. Shareholder Engagement - The company plans to distribute a cash dividend of 1.8 RMB per 10 shares to shareholders, based on the total share capital as of the record date[6]. - The second extraordinary shareholders' meeting in November 2021 approved a proposal for a non-public issuance of A-shares, detailing the scale and use of raised funds[138]. - The company held its first extraordinary shareholders' meeting in June 2021, where the election of the sixth board of directors was approved, including the election of Mr. Shao Hui as an executive director[138]. - The total pre-tax remuneration for Chairman Shao Hui is CNY 1.7 million, with no change in shareholding during the reporting period[143]. - CEO Tao Chang received a pre-tax remuneration of CNY 1.68 million, maintaining his shareholding of 560,000 shares[143].