2017 年第一季度报告 公司代码：600908 公司简称：无锡银行 无锡农村商业银行股份有限公司 2017 年第一季度报告 1 / 16 | 一、 | 重要提示 | 3 | | --- | --- | --- | | 二、 | 公司基本情况 | 3 | | 三、 | 重要事项 | 5 | | 四、 | 补充财务数据 | 7 | | 五、 | 附录 | 9 | 2017 年第一季度报告 一、 重要提示 | 未出席董事姓名 | 未出席董事职务 | 未出席原因的说明 | 被委托人姓名 | | --- | --- | --- | --- | | 任晓平 | 董事长 | 因身体原因请假 | 邵辉 | | 汤兴良 | 董事 | 因事请假 | 张庆 | | 孙志强 | 董事 | 因事请假 | 蔡则祥 | | 殷新中 | 董事 | 因事请假 | 张庆 | | 金凯红 | 董事 | 因事请假 | 蔡则祥 | | 林雷 | 独立董事 | 因事请假 | 王怀明 | 二、 公司基本情况 2.1 主要财务数据 | | | | 单位：千元 币种：人民币 | | --- | --- | --- | --- | | | 本报告期末 | 上 ...

Financial Performance - The total operating income for 2016 was CNY 2,521,649,000, representing a 5.22% increase from CNY 2,396,607,000 in 2015[21] - The net profit attributable to shareholders for 2016 was CNY 892,768,000, which is a 7.13% increase compared to CNY 833,336,000 in 2015[21] - The total profit for 2016 was CNY 1,093,846,000, which is a 6.76% increase from CNY 1,024,592,000 in 2015[21] - Basic earnings per share for 2016 increased by 4.00% to CNY 0.52 compared to CNY 0.50 in 2015[23] - The company achieved operating revenue of CNY 2.52 billion in 2016, representing a year-on-year growth of 5.22%[51] - Net profit attributable to shareholders increased by 7.13% to CNY 892.77 million compared to CNY 833.34 million in the previous year[58] - The company reported a positive profit for the reporting period, with profits available for distribution to ordinary shareholders being positive[199] Assets and Liabilities - The total assets at the end of 2016 reached CNY 124,632,666,000, marking a 7.92% increase from CNY 115,490,645,000 at the end of 2015[21] - Total liabilities rose by 7.01% to CNY 115,759,959 thousand from CNY 108,172,757 thousand in 2015[25] - Total deposits increased by 9.46% to CNY 95,461,370 thousand compared to CNY 87,212,889 thousand in 2015[25] - Total loans grew by 8.56% to CNY 60,257,169 thousand from CNY 55,505,404 thousand in 2015[25] - The total assets of the company reached CNY 124.63 billion, a 7.92% increase from CNY 115.49 billion at the end of 2015[58] - The total liabilities of the company stood at 115.76 billion RMB at the end of the reporting period, an increase of 7.01% from the beginning of the year[84] Cash Flow - The cash flow from operating activities for 2016 was CNY 3,091,109,000, a significant decrease of 73.38% from CNY 11,611,578,000 in 2015[21] - Net cash flow from operating activities decreased by 73.38% to CNY 3,091,109 thousand from CNY 11,611,578 thousand in 2015[23] - In 2016, the net cash flow from operating activities was 3,091,109 thousand RMB, a significant decrease from 11,611,578 thousand RMB in 2015[112] Risk Management - The company has reported no foreseeable major risks in its operations, indicating effective risk management measures are in place[9] - The company has not engaged in any non-operating fund occupation by controlling shareholders or related parties[8] - The company received a standard unqualified audit opinion from its accounting firm, indicating the financial statements are accurate and complete[5] - The non-performing loan ratio increased by 0.22 percentage points to 1.39% from 1.17% in 2015[28] - The company reported a decrease in the provision coverage ratio by 27.15 percentage points to 200.77% from 227.92% in 2015[28] - The liquidity ratio decreased significantly by 45.16 percentage points to 45.86% from 91.02% in 2015[28] Product and Service Development - The company launched new products such as "Tax Easy Loan" and enhanced personal consumption credit offerings, contributing to stable growth[49] - The company has developed new products in electronic banking, including a credit card "Renovation Installment" product, enhancing its product line[191] - The company has expanded its product offerings in personal banking, including a new type of personal large-denomination deposit[191] - The company has launched several innovative products across various business lines, including a new consumer loan product "Afu Quick Loan" and a series of wealth management products[191] Dividend Policy - The company plans to distribute a cash dividend of CNY 1.5 per 10 shares, totaling CNY 277,217,222.10[6] - The company has implemented a stable profit distribution policy, emphasizing cash dividends while considering sustainable development[193] - The company has committed to a cash dividend policy that prioritizes shareholder returns while ensuring operational and developmental needs are met[193] - The board of directors must propose and review the shareholder return plan, which requires approval from two-thirds of the board and independent directors[194] Market Position and Strategy - The bank's core competitive advantages include strong government support and a well-established local customer base[44] - The bank's operational environment remains uncertain, but opportunities exist due to economic stabilization and the rapid development of emerging industries[42] - The bank's future growth will be supported by the expansion of PPP projects and further opening of capital markets[42] - The bank aims for total assets to grow by around 20% in 2017, with a target to keep the non-performing loan ratio below 1.35%[141] - The bank plans to shift from traditional corporate lending to investment and transaction banking, expanding its branch network and enhancing service offerings[138] Compliance and Governance - The actual controller and shareholders have made commitments regarding share restrictions, effective for 36 months from the date of listing[199] - The commitments include not transferring or entrusting shares held prior to the public offering during the restriction period[200] - The company has confirmed that it will not repurchase shares held by the trust during the restriction period[200] - The company has commitments from major shareholders, including those holding over 5 million shares, to adhere to share restrictions[199]

2016 年第三季度报告 公司代码：600908 公司简称：无锡银行 无锡农村商业银行股份有限公司 2016 年第三季度报告 1 / 22 | . | N | 1 | 13 | | --- | --- | --- | --- | | A | | | | | 一、 | 重要提示 | 3 | | --- | --- | --- | | 二、 | 公司主要财务数据和股东变化 | 3 | | 三、 | 重要事项 | 8 | | 四、 | 公司补充财务数据 | 11 | | 五、 | 附录 | 13 | 2016 年第三季度报告 一、 重要提示 | 未出席董事姓名 | 未出席董事职务 | 未出席原因的说明 | 被委托人姓名 | | --- | --- | --- | --- | | 张庆 | 独立董事 | 因事请假 | 蔡则祥 | | 王怀明 | 独立董事 | 因事请假 | 林雷 | | 唐劲松 | 董事 | 因事请假 | 殷新中 | 二、 公司主要财务数据和股东变化 2.1 主要财务数据 3 / 22 单位：千元 币种：人民币 本报告期末 上年度末 本报告期末比上年度末增 减(%) 总资产 119,311,267.5 ...