Financial Performance - As of the end of 2018, Jiangsu Bank's total assets reached RMB 1.93 trillion, an increase of 8.77% year-on-year[14] - The net profit for 2018 was RMB 13.263 billion, representing a growth of 10.37% compared to the previous year[14] - The total operating revenue for Q4 2018 reached 9,154,843 thousand RMB, while the net profit attributable to shareholders dropped to 2,807,383 thousand RMB[43] - The company reported a total of RMB 91,011,534 thousand in customer wealth management funds, a decrease from RMB 100,820,547 thousand in the previous year, representing a decline of 9.00%[120] - The company achieved a net commission and fee income of RMB 5,222.29 million in 2018, a decrease of 9.63% from RMB 5,779.02 million in 2017[92] - The company reported a significant reduction in income tax expenses, which decreased by 43.34% to RMB 1,004.89 million in 2018 from RMB 1,773.59 million in 2017[89] - The company reported a significant increase in investment income, which rose to RMB 3,833.81 million, a staggering 1577.47% increase from RMB 228.55 million in 2017[89] - The bank's core tier one capital adequacy ratio was 11.03%, while the tier one capital adequacy ratio was 11.58%[179] - The company reported total operating income of 35.22 billion RMB, with a net profit attributable to shareholders of 13.065 billion RMB, reflecting growth of 4.09% and 10.02% respectively[87] Loan and Deposit Growth - Total deposits amounted to RMB 1,093.3 billion, reflecting a year-on-year growth of 8.48%[14] - The total loan balance was RMB 889.2 billion, with a year-on-year increase of 18.99%[14] - The balance of small and micro enterprise loans exceeded RMB 360 billion, with the bank being recognized as a leading provider of small micro financial services in Jiangsu Province for 11 consecutive years[17] - Retail loans increased by over 40% year-on-year, with consumer loan balance reaching CNY 105.6 billion, a growth of over 80%[24] - Personal deposits increased by 15.06% year-on-year to 216 billion RMB, while personal loan balances surged by 44.02% to over 270 billion RMB[77] - The total loan amount of the group reached 889.21 billion RMB, an increase of 18.99% compared to the beginning of the year[102] - The total deposits of the group amounted to 1,093.3 billion RMB, reflecting an increase of 8.48% from the beginning of the year[118] Asset Quality and Risk Management - The bank's non-performing loan ratio was 1.39%, a decrease of 0.02 percentage points from the beginning of the year[29] - The coverage ratio for loan loss provisions was 203.84%, an increase of 19.59 percentage points year-on-year, with total provisions amounting to RMB 25,231,479 thousand[136] - The total amount of non-performing loans (NPLs) was RMB 12,378,298 thousand, with an NPL ratio of 1.39%, a decrease of 0.02 percentage points from the beginning of the year[124] - The company implemented measures to optimize credit asset structure and control new NPLs, including enhancing risk management and adjusting credit policies[133] - The company maintained a stable reputation risk status, with ongoing training and management mechanisms in place to mitigate potential risks[153] Strategic Initiatives and Innovations - Jiangsu Bank launched the "New Momentum Plan," providing a total of RMB 300 billion in loans to the real economy, serving over 4,000 enterprises[16] - The company established a green finance product system, including "basic credit, green funds, carbon finance, and specialized financing"[73] - The company launched new technology applications, including artificial intelligence platforms and upgraded its international intelligent settlement platform[70] - The bank aims to enhance its service capabilities for small and micro enterprises, leveraging online service advantages[173] - The bank is committed to improving financial technology contributions by enhancing digital operations and customer journey digitization[175] Shareholder and Governance Commitments - Jiangsu Bank proposed a profit distribution plan to distribute a cash dividend of RMB 3.40 per 10 shares, totaling RMB 3,925.11 million[6] - The cash dividend per 10 shares increased to 3.40 yuan in 2018 from 1.80 yuan in 2017, reflecting a significant rise in shareholder returns[186] - Jiangsu Bank's major shareholders have also committed to not transferring their shares for 36 months post-listing, ensuring stability in ownership[189] - The bank has implemented measures to prevent conflicts of interest with its major shareholder, ensuring no direct competition in core banking activities[191] - Jiangsu Bank's management has pledged to adhere to regulations regarding the non-distribution of benefits to other entities or individuals, safeguarding the bank's interests[192] Awards and Recognition - The bank received multiple awards for its contributions to social responsibility and innovation in financial services during 2018[10] - The private banking client base increased by over 40%, with assets exceeding 100 billion RMB, and the company received multiple awards for its wealth management services[161]

2018 年第三季度报告 BANK OF JIANGSU CO.,LTD. 2018 A 600919 〇 1 / 10 | | | | 一、重要提示 | 3 | | --- | --- | | 二、公司基本情况 | 4 | | 三、重要事项 | 7 | | 四、补充财务数据 | 8 | | 五、附录 | 10 | 2018 年第三季度报告 一、重要提示 1.1 公司董事会、监事会及董事、监事、高级管理人员保证季度报告内容的真实、准确、完 整，不存在虚假记载、误导性陈述或者重大遗漏，并承担个别和连带的法律责任。 1.2 公司于 2018 年 10 月 29 日召开第四届董事会第十三次会议，审议通过本季度报告。 | 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 | | --- | --- | --- | --- | | 顾尟 | 董事 | 公务 | 季明 | | 沈彬 | 董事 | 公务 | 唐劲松 | | 余晨 | 独立董事 | 公务 | 杨廷栋 | 1.3 公司法定代表人、董事长夏平，主管会计工作负责人、行长季明，会计机构负责人（会 计主管人员）罗锋保证季度报告中财务报表的真实 ...

2018 年半年度报告 江苏银行股份有限公司 BANK OF JIANGSU CO.,LTD. 2018 年半年度报告 （A 股股票代码：600919） 二〇一八年八月 1 2018 年半年度报告 重要提示 一、本公司董事会、监事会及董事、监事、高级管理人员保证半年度报告内容的真实、准 确、完整，不存在虚假记载、误导性陈述或重大遗漏，并承担个别和连带的法律责任。 二、董事出席情况 公司于 2018 年 8 月 20 日以通讯表决方式召开第四届董事会第十二次会议，审议通过本 半年度报告及其摘要，公司全体董事出席会议。 三、公司半年度财务报告未经审计，毕马威华振会计师事务所（特殊普通合伙）对公司半 年度财务报告进行了审阅。 四、公司法定代表人、董事长夏平，行长、主管会计工作负责人季明，计划财务部总经理 罗锋声明：保证半年度报告中财务报告的真实、准确、完整。 五、公司 2018 年中期不进行利润分配或资本公积转增股本。 六、前瞻性陈述的风险声明 本报告所涉及的未来计划、发展战略等前瞻性描述不构成公司对投资者的实质承诺，敬 请投资者注意投资风险。 七、是否存在被控股股东及其关联方非经营性占用资金情况 否。 八、是否存 ...

Financial Performance - Net profit attributable to shareholders rose by 10.32% to CNY 3,296,512, while net profit excluding non-recurring items increased by 11.48% to CNY 3,303,014[8]. - Basic and diluted earnings per share increased by 11.54% to CNY 0.29[8]. - The total comprehensive income for the group was RMB 3,485,718 thousand, compared to RMB 2,243,811 thousand in the same period last year, marking a growth of 55.4%[39]. - The net profit for the group reached RMB 3,323,972 thousand, an increase of 10.4% compared to RMB 3,009,378 thousand in the same period last year[39]. - Total operating income for the group was RMB 8,611,740 thousand, slightly up from RMB 8,565,132 thousand in the previous year, reflecting a growth of 0.5%[38]. - The group reported a significant increase in investment income, amounting to RMB 486,781 thousand compared to RMB 37,513 thousand in the same period last year[38]. - The net interest income for the group was RMB 6,602,987 thousand, a decrease of 3.8% from RMB 6,860,819 thousand year-on-year[38]. Asset and Liability Management - Total assets increased by 1.53% to CNY 1,797,640,402 compared to the end of the previous year[8]. - The total liabilities rose to RMB 1,681,326,901 thousand from RMB 1,657,723,203 thousand as of December 31, 2017[35]. - The total equity increased to RMB 116,313,501 thousand from RMB 112,827,783 thousand as of December 31, 2017[37]. - The company's core tier 1 capital adequacy ratio was 8.55%, slightly up from 8.49%[22]. - The leverage ratio improved to 5.83% from 5.72% in the previous period[26]. - The total amount of qualified liquid assets is RMB 183,457,158 thousand[28]. Shareholder Information - The total number of shareholders reached 210,342, indicating a stable shareholder base[11]. - The top ten shareholders collectively hold 43.56% of the shares, with Jiangsu International Trust Co., Ltd. holding the largest share at 7.73%[11]. Cash Flow and Investment Activities - Operating cash flow improved by 31.81%, reaching CNY -19,518,717, compared to CNY -28,624,986 in the same period last year[8]. - The group experienced a net cash outflow from operating activities of RMB 19,518,717 thousand, an improvement from RMB 28,624,986 thousand in the previous year[41]. - Cash inflow from financing activities was RMB 54,681,672 thousand, down 70.0% from RMB 188,370,000 thousand year-over-year[43]. - The net cash flow from financing activities was RMB (1,798,053) thousand, a significant decrease from RMB 125,973,169 thousand in the same period last year[43]. - The Group's cash outflow from investment activities was RMB (374,394,641) thousand, an increase from RMB (293,599,000) thousand in the same period last year[43]. Operational Efficiency - The cost-to-income ratio improved to 26.93% from 28.80% in the previous period[28]. - The provision coverage ratio is at 184.46%, slightly up from 184.25%[28]. - The non-performing loan ratio remains stable at 1.41% compared to 1.41% as of December 31, 2017[28]. - The group’s total operating expenses decreased to RMB 4,651,631 thousand from RMB 5,006,824 thousand, a decline of 27.1% year-on-year[38]. - The group’s asset impairment losses decreased to RMB 2,237,222 thousand from RMB 2,640,540 thousand, indicating a reduction of 15.3%[38]. Other Financial Metrics - Interest expenses increased by 30.25% to CNY 13,875,873 thousand due to business expansion[18]. - The liquidity coverage ratio stands at 115.60% as of March 31, 2018[28]. - The total amount of sell-back financial assets increased by 50.85% to CNY 85,586,423 thousand[18]. - The company reported a 60.32% increase in taxes and surcharges to CNY 94,735 thousand due to adjustments in asset management VAT policies[18]. - Other assets grew by 70.59% to CNY 4,317,034 thousand[18].

〇 江苏银行 2017 年年度报告 重要提示 一、 本公司董事会、监事会及董事、监事、高级管理人员保证年度报告内容的真实、准确、 完整，不存在虚假记载、误导性陈述或重大遗漏，并承担个别和连带的法律责任。 九、 重大风险提示 二、 未出席董事情况 | 未出席董事职务 | 未出席董事姓名 | 未出席董事的原因说明 | 被委托人姓名 | | --- | --- | --- | --- | | 董事 | 沈彬 | 公务 | 单翔 | | 独立董事 | 杨廷栋 | 公务 | 余晨 | 三、 毕马威华振会计师事务所（特殊普通合伙）为公司出具了标准无保留意见的审计报告。 四、 公司法定代表人、董事长夏平，行长、主管会计工作负责人季明，计划财务部总经理 罗锋声明：保证年度报告中财务报告的真实、准确、完整。 五、 经董事会审议的报告期利润分配预案或公积金转增股本预案 公司拟以 2017 年末总股本 115.4445 亿股为基数，向实施利润分配股权登记日登记在册 的全体股东派发 2017 年度股息，具体为：每 10 股派送现金股利人民币 1.80 元（含税）， 合计分配现金股利人民币 207,800 万元。上述预案尚待股东大会批 ...

Financial Performance - The operating revenue for 2017 was RMB 33.839 billion, an increase of 7.58% compared to the previous year[1] - The net profit attributable to shareholders was RMB 11.875 billion, reflecting an increase of 11.91% year-over-year[1] - The net profit excluding non-recurring gains and losses was RMB 11.792 billion, an increase of 11.54% year-over-year[1] - Basic earnings per share rose to RMB 1.03, up 5.10% from RMB 0.98 in the previous year[1] Assets and Equity - Total assets reached RMB 177.055 billion, marking a growth of 10.78% from the beginning of the year[3] - The equity attributable to shareholders increased by 34.45% to RMB 111.145 billion, primarily due to a private placement of 200 million preferred shares raising RMB 20 billion[3] - The total equity attributable to ordinary shareholders was RMB 91.167 billion, a 10.28% increase from the previous year[1] Loan Performance - The non-performing loan ratio improved to 1.41%, a decrease of 0.02 percentage points from the previous year[3] Return on Equity - The weighted average return on equity decreased by 0.75 percentage points to 13.72%[1] Cautionary Note - The company cautioned that the financial data presented are preliminary and may differ from the final annual report by no more than 10%[4]

〇 | 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 年第三季度报告 一、 重要提示 1.1 公司董事会、监事会及董事、监事、高级管理人员保证季度报告内容的真实、准确、 完整，不存在虚假记载、误导性陈述或者重大遗漏，并承担个别和连带的法律责任。 1.3 公司法定代表人、董事长夏平，主管会计工作负责人、行长季明，会计机构负责人（会 计主管人员）罗锋保证季度报告中财务报表的真实、准确、完整。 1.4 本公司第三季度报告未经审计。 1.5 本报告中"江苏银行"、"公司"、"本行"均指江苏银行股份有限公司；"集团" 指江苏银行股份有限公司及其子公司。 1.6 本报告中金额币种除特别说明外，均以人民币列示。 1.7 报告期内公司所获主要奖项如下： | 奖项名称 | 评选单位 | | --- | --- | | 中国最佳区域私人银行奖 | 中国银行业协会 | | 2017 最佳银行财富管理品牌 | 中国资产管理年会 | | 最佳综合理财能力 ...

Financial Performance - The company's operating revenue for the first half of 2017 was CNY 17,020,342, an increase of 5.27% compared to CNY 16,168,518 in the same period last year[19]. - The net profit attributable to shareholders for the first half of 2017 was CNY 6,176,786, reflecting a growth of 10.11% from CNY 5,609,534 in the previous year[19]. - The net profit attributable to shareholders after deducting non-recurring gains and losses was CNY 6,136,163, an increase of 8.92% compared to CNY 5,633,670 in the same period last year[19]. - The net profit attributable to shareholders for the second quarter was CNY 3,188,698, showing an increase from CNY 2,988,088 in the first quarter[25]. - The group achieved net interest income of 13.83 billion RMB, a year-on-year increase of 9.11%[49]. - The company's net profit attributable to shareholders was 6.177 billion yuan, up 10.11% year-on-year[45]. - The group's net profit for the first half of 2017 was RMB 6,221,358 thousand, compared to RMB 5,628,683 thousand in the first half of 2016, marking a growth of approximately 10.5%[199]. Assets and Liabilities - The total assets at the end of the reporting period were CNY 1,727,171,780, representing an increase of 8.06% from CNY 1,598,292,446 at the end of the previous year[19]. - The total assets as of June 30, 2017, amounted to CNY 1,727,171,780, an increase from CNY 1,598,292,446 at the end of 2016[102]. - The total liabilities increased to 1,639.83 billion RMB, reflecting a growth of 125.7 billion RMB or 8.30% year-to-date[55]. - Total liabilities amounted to RMB 1,639,827,099 thousand as of June 30, 2017, compared to RMB 1,514,085,480 thousand at the end of 2016, indicating an increase of around 8.3%[193]. Capital and Equity - The total equity increased by CNY 3,137,715 to CNY 87,344,681 during the reporting period[34]. - The bank's total equity increased to RMB 87,344,681 thousand as of June 30, 2017, compared to RMB 84,206,966 thousand at the end of 2016, reflecting a growth of approximately 3.5%[196]. - The capital adequacy ratio was reported at 10.97%, above the regulatory requirement of 10.5%[102]. Risk Management - There are no foreseeable major risks reported by the company, indicating a stable risk management situation[5]. - The company has established a new risk control system combining traditional risk management and big data[42]. - The company aims to strengthen its risk management framework to ensure compliance with regulatory requirements and maximize shareholder value[128]. - The bank has implemented measures to optimize credit asset structure and control new non-performing loans, including enhancing risk monitoring and management practices[114]. Loans and Credit - The company's loan balance increased by 7.96% to 701.1 billion yuan compared to the beginning of the year[44]. - The total amount of loans reached CNY 701,061,645, with corporate loans accounting for CNY 484,727,067 and retail loans for CNY 168,428,481[102]. - The company maintained a non-performing loan ratio of 1.43%, unchanged from the beginning of the year[44]. - The total amount of non-performing loans increased by CNY 739 million to CNY 10.057 billion in the first half of 2017[108]. Income and Expenses - The average yield on interest-earning assets was 4.18%, while the average interest rate on interest-bearing liabilities was 2.72%[30]. - The business and management expenses amounted to 4.42 billion RMB, reflecting a year-on-year increase of 6.01%[53]. - The bank's fee and commission income for the first half of 2017 was RMB 3,286,012 thousand, slightly down from RMB 3,460,693 thousand in the same period of 2016, indicating a decrease of about 5%[199]. Awards and Recognition - The company received several awards, including the Best Green Finance Award from the China Banking Association for 2016[6]. - The company received multiple awards for its wealth management services, including recognition as the top city commercial bank in wealth management capability for the first and second quarters of 2017[123]. Corporate Governance - The company has no major litigation or arbitration matters during the reporting period, with 9 pending cases involving amounts over RMB 10 million, totaling RMB 974 million, which are not expected to significantly impact the financial status or operating results[161]. - The company has committed to measures to mitigate the dilution of immediate returns from the non-public issuance of preferred shares, including linking compensation systems to the execution of these measures[158]. - The company has a commitment to avoid competition with Jiangsu Bank, ensuring that it will not engage in any business activities that compete with the main business of Jiangsu Bank and its branches[157]. Employee and Management - The total number of employees in the company is 14,439, with 3,995 in management and 3,293 in marketing[181]. - The company has a total of 542 branches, including 17 first-level branches and 524 sub-branches[106]. - The company has not implemented any employee stock ownership plans or other incentive measures during the reporting period[163].

Financial Performance - The company achieved an operating income of CNY 31.36 billion, representing a year-on-year growth of 11.81%, and a net profit after tax of CNY 10.64 billion, up by 11.91%[16]. - The company reported a total operating income of RMB 31,359,045 thousand for 2016, an increase of 11.81% compared to RMB 28,047,070 thousand in 2015[42]. - The net profit attributable to shareholders was RMB 10,610,579 thousand, reflecting an increase of 11.72% from RMB 9,497,433 thousand in the previous year[42]. - The total profit reached 13.52 billion yuan, up by 1.44 billion yuan, or 11.93% year-on-year[80]. - The net interest income for the year is CNY 25,245,088 thousand, resulting in a net interest margin of 1.70%[57]. - The net commission and fee income increased by 49.30% year-on-year, reaching CNY 5.82 billion, driven by steady development in intermediary business[99][101]. Asset and Liability Growth - As of the end of 2016, the total assets of the group reached CNY 1.60 trillion, an increase of 23.87% year-on-year[16]. - The total assets of the company reached RMB 1,598,292,446 thousand, a 23.87% increase from RMB 1,290,333,336 thousand in 2015[42]. - Total liabilities amounted to 1,514.1 billion RMB, reflecting a growth of 23.62% year-on-year[107]. - The company's net assets attributable to shareholders increased by 26.87% to RMB 82,665,060 thousand compared to RMB 65,155,806 thousand at the end of 2015[42]. Loan and Deposit Information - The deposit balance was CNY 907.41 billion, growing by 16.87%, while the loan balance reached CNY 649.38 billion, up by 15.59%[16]. - The balance of loans in both domestic and foreign currencies was 649.38 billion yuan, up by 87.60 billion yuan, or 15.59% year-on-year[81]. - The number of small and micro enterprise clients reached 28,200, with a loan balance of 270.3 billion yuan, maintaining the highest market share in Jiangsu Province[85]. Risk Management - The company maintained a non-performing loan ratio of 1.43%, unchanged from the beginning of the year[17]. - There are no foreseeable major risks identified in the company's operations, with existing risks being effectively managed[30]. - The company aims to maximize shareholder value while controlling risks within acceptable limits[193]. - The risk management framework includes credit risk, market risk, operational risk, liquidity risk, legal compliance risk, and reputation risk[194]. Capital Adequacy and Financial Ratios - The core Tier 1 capital adequacy ratio is 9.01% for the group and 8.93% for the bank[48]. - The capital adequacy ratio was reported at 11.51% in 2016, slightly down from 11.54% in 2015, but still above the regulatory requirement of 10.5%[157]. - The coverage ratio for loan loss provisions was 180.56% in 2016, exceeding the regulatory requirement of 150%[157]. Innovation and Market Expansion - The company has developed over 20 innovative financial products for small enterprises under the "Rongzhida" brand, focusing on providing comprehensive financial services[74]. - The company aims to expand its operations beyond Jiangsu, establishing branches in major cities such as Shanghai, Shenzhen, Beijing, and Hangzhou[73]. - The company launched several online loan products, enhancing its internet finance capabilities and big data applications[96]. Awards and Recognition - The company was recognized as an "Outstanding Enterprise in Jiangsu Province" and received several awards for its financial services to small and micro enterprises[12]. Future Plans and Strategic Goals - The company plans to enhance its core competitiveness and value creation while adhering to risk management and regulatory compliance in 2017[19]. - The company has revised its five-year strategic plan to focus on market changes and target customer groups, aiming for a "characterized, intelligent, comprehensive, and international" banking model[150]. - The company anticipates challenges from economic structural adjustments and potential credit risks due to the cleanup of "zombie enterprises" in the near term[152].

证券代码：600919 证券简称：江苏银行 公告编号：2017-002 江苏银行股份有限公司 2016年度业绩快报公告 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。 本公告所载2016年度主要财务数据为初步核算数据，未 经会计师事务所审计，具体数据以江苏银行股份有限公司 （以下简称"本公司"）2016年年度报告中披露的数据为准， 提请投资者注意投资风险。 一、2016年度主要财务数据和指标 1 单位：人民币亿元 项目 2016 年 2015 年 增减变动 幅度 营业收入 313.59 280.47 11.81% 营业利润 134.69 120.45 11.82% 利润总额 135.24 120.82 11.94% 归属于母公司股 东的净利润 106.11 94.97 11.73% 基本每股收益（人 0.98 0.91 7.69% | 民币元） | | | | | | | | | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 加权平均 ...