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 ...

Financial Performance - The company reported a mid-year financial performance with no profit distribution or capital reserve increase for 2018[7]. - The financial report for the first half of 2018 was reviewed by KPMG Huazhen and is unaudited[6]. - The company's operating revenue for the first half of the year reached ¥17,217,634, representing a year-on-year increase of 0.89% compared to ¥17,065,842 in the same period last year[23]. - Net profit attributable to shareholders was ¥6,851,702, marking a 10.93% increase from ¥6,176,786 in the previous year[23]. - The total assets at the end of the reporting period were ¥1,847,867,853, reflecting a 4.37% increase from ¥1,770,550,986 at the end of the previous year[23]. - Basic earnings per share increased by 9.26% to ¥0.59 from ¥0.54 in the same period last year[24]. - The weighted average return on equity decreased slightly to 7.26%, down by 0.05 percentage points from 7.31% in the previous year[24]. - The total equity attributable to shareholders increased to ¥116,184,673, a rise of 4.53% from ¥111,144,904 at the end of the previous year[23]. - The net cash flow from operating activities showed a significant decline, amounting to -¥91,496,008, which is a 103.43% increase in negative cash flow compared to -¥44,975,564 last year[23]. Risk Management - The company has effectively managed various operational risks, including credit risk, market risk, liquidity risk, and operational risk[9]. - The company has taken measures to ensure the accuracy and completeness of its financial reporting, as stated by its legal representatives[6]. - The company has enhanced its risk management by implementing a comprehensive system for monitoring interbank business and customer relationships[69]. - The liquidity risk management framework has been enhanced, with no indicators exceeding the set limits during the reporting period[145]. - The market risk remained stable and controllable, with no significant losses reported during the period[146]. - The operational risk management system was improved, resulting in no major operational risk loss events occurring[148]. Awards and Recognition - The company received multiple awards, including the "Most Socially Responsible Financial Institution" and "Best Development Award for Syndicated Loans" from the China Banking Association[12]. - The company has a commitment to innovation, as evidenced by its recognition as an "Innovative Institution of the Year" by the China Asset Securitization Forum[12]. Asset and Loan Management - Total deposits amounted to CNY 1,077.3 billion, growing by 6.90% year-to-date[53]. - Total loans reached CNY 829.2 billion, reflecting a year-to-date growth of 10.96%[53]. - The non-performing loan ratio improved to 1.40%, a decrease of 0.01 percentage points from the beginning of the year[53]. - The balance of loans to technology enterprises grew by CNY 18.5 billion to CNY 80.4 billion, representing a year-to-date increase of 29.9%[60]. - The balance of green credit reached CNY 77.1 billion, with a year-to-date growth of 15.09%[59]. - The company's small and micro enterprise loan balance reached CNY 350.5 billion, accounting for 42.27% of total loans, with a year-to-date increase of CNY 37.5 billion[60]. Financial Technology and Innovation - The bank is actively advancing financial technology applications, including blockchain and artificial intelligence, across various business areas[44]. - The company expanded its financial technology applications, completing over 30 AI application scenarios during the reporting period[71]. Shareholder Information - The largest shareholder, Jiangsu International Trust, holds 924,493,086 shares with no pledge ratio[155]. - Jiangsu Phoenix Publishing and Media Group holds 885,273,683 shares, also with no pledge ratio[155]. - The total number of ordinary shares before the recent changes was 11,544,450,000, with no changes in the overall share structure during the reporting period[186]. - The total number of shareholders at the end of the reporting period was 204,879, with no preferred shareholders[189]. Social Responsibility and Community Support - The company has actively engaged in financial poverty alleviation, aligning its business growth with social responsibility[173]. - A total of 5,324 registered poor individuals have been helped to escape poverty through the company's initiatives[176]. - The company has supported 121 cooperatives with RMB 72.41 million and 92 family farms with RMB 33.86 million in the northern Jiangsu region[178]. - The company has established 126 projects with a total amount of RMB 960 million to support low-income populations, potentially creating nearly 1,000 jobs[177]. Compliance and Governance - The company has no major litigation or arbitration matters during the reporting period[168]. - The company has no undisclosed major contracts or significant related party transactions[171]. - The company strictly complied with regulatory requirements for the disclosure of information regarding the circulation of restricted shares[187].

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].

Financial Performance - Total assets reached CNY 1.77 trillion, an increase of 10.78% year-on-year[18] - Total deposits amounted to CNY 1,007.8 billion, growing by 11.07% year-on-year[18] - Total loans stood at CNY 747.3 billion, reflecting a year-on-year growth of 15.08%[18] - Operating income was CNY 33.839 billion, up 7.58% year-on-year[18] - Net profit reached CNY 12.016 billion, representing a year-on-year increase of 12.96%[18] - Net profit attributable to shareholders was CNY 11.875 billion, a growth of 11.92% year-on-year[18] - Basic earnings per share were CNY 1.03[18] - The bank's total equity increased to CNY 112,827,783 thousand, with retained earnings rising by CNY 6,510,025 thousand to CNY 29,388,605 thousand[42] - The net interest income was 27.815 billion RMB, representing a 10.18% year-on-year growth[77] - The group achieved operating income of 33.839 billion RMB, a year-on-year increase of 7.58%[75] Asset Quality - The non-performing loan ratio improved to 1.41%, a decrease of 0.02 percentage points from the beginning of the year[19] - The loan loss provision coverage ratio was reported at 184.25%, well above the required 150%[118] - The total amount of non-performing loans reached 10.554 billion RMB, an increase of 1.236 billion RMB compared to the beginning of the year, with a non-performing loan ratio of 1.41%, down 0.02 percentage points[124] - The total amount of loans under special mention decreased to 18.997 billion RMB, a reduction of 5.45 billion RMB compared to the beginning of the year[124] Capital and Liquidity - Capital adequacy ratio increased to 12.62%[19] - The group's liquidity coverage ratio stood at 113.52%, with qualified liquid assets amounting to CNY 151,564,234 thousand and net cash outflows in the next 30 days at CNY 133,511,505 thousand[40] - The total risk-weighted assets amounted to CNY 1,078,766,573 thousand, with a total capital adequacy ratio of 12.62%[36] Business Strategy and Market Position - The bank has established a clear market positioning focused on serving small and medium-sized enterprises and local economies, enhancing its competitive edge in various financial sectors[47] - The bank plans to expand its market presence in the Yangtze River Delta region, focusing on increasing corporate loans[88] - The company aims to strengthen its market position through strategic initiatives and risk management practices[172] Technological Advancements - The bank is advancing its financial technology applications, integrating blockchain, IoT, and AI into multiple business areas to enhance service delivery[47] - The company aims to accelerate the application of financial technology, including a three-year plan for artificial intelligence development[110] - The bank is enhancing its IT infrastructure, focusing on internet-based systems and implementing new technologies like blockchain and artificial intelligence[59] Social Responsibility and Community Engagement - The company reported a total of 28.78 billion RMB in industry-specific poverty alleviation loans and 1.05 billion RMB in personal poverty alleviation loans, supporting financing needs for poverty alleviation projects[189] - The company allocated 329.59 million RMB for targeted poverty alleviation, benefiting 2,150 impoverished families in Jiangsu's northern regions[190] - The company has invested CNY 39,300,000 in 9 agricultural industry funds, with a total fund size of CNY 806,500,000[192] Shareholder Returns - The company plans to distribute cash dividends of RMB 1.80 per 10 shares, totaling RMB 207.8 million, pending shareholder approval[168] - The net profit attributable to the company's ordinary shareholders for 2017 was RMB 11,874.997 million, with a dividend payout ratio of 17.50%[170] - The company has maintained a consistent dividend policy over the past three years, reflecting its commitment to shareholder returns[170]

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]

Financial Performance - Net profit attributable to shareholders rose by 10.94% to CNY 9,185,756 compared to the same period last year[9]. - Operating income grew by 7.53% to CNY 25,578,197 compared to the previous year[9]. - Basic earnings per share increased by 2.56% to CNY 0.80[9]. - The net profit for the nine months ended September 30, 2017, was RMB 9,277,198 thousand, compared to RMB 8,310,128 thousand for the same period in 2016, reflecting a year-over-year increase of about 11.7%[37]. - Net profit for the group reached RMB 9,277,198 thousand, an increase of 11.6% compared to RMB 8,310,128 thousand in the same period last year[38]. - The net profit attributable to shareholders of the bank was RMB 9,185,756 thousand, up from RMB 8,279,673 thousand, reflecting a growth of 10.9%[38]. - The bank's operating profit for the nine months ended September 30, 2017, was RMB 10,607,606 thousand, compared to RMB 10,466,945 thousand for the same period in 2016, showing a growth of about 1.3%[37]. - The bank's fee and commission income for the nine months ended September 30, 2017, was RMB 4,809,427 thousand, slightly up from RMB 4,747,927 thousand in the same period of 2016[37]. Asset and Liability Management - Total assets increased by 8.71% to CNY 1,737,565,502 compared to the end of the previous year[8]. - The total liabilities of Jiangsu Bank as of September 30, 2017, were RMB 1,647,131,461 thousand, an increase from RMB 1,514,085,480 thousand as of December 31, 2016, representing a growth of about 8.8%[33]. - The total equity attributable to shareholders as of September 30, 2017, was RMB 88,800,693 thousand, compared to RMB 82,665,060 thousand as of December 31, 2016, reflecting an increase of approximately 7.3%[35]. - The company’s leverage ratio increased to 4.61% as of September 30, 2017, compared to 4.56% in December 2016[24]. Capital Adequacy and Ratios - The core tier one capital adequacy ratio stood at 8.62%, while the total capital adequacy ratio was 10.95%[22]. - The bank's capital adequacy ratio was reported at 12.5% as of September 30, 2017, compared to 12.0% at the end of 2016, indicating improved capital strength[29]. - The liquidity coverage ratio was reported at 121.59%, with high-quality liquid assets totaling RMB 161,805,646 thousand[26]. - The non-performing loan ratio was 1.42%, slightly down from 1.43% in December 2016[26]. Cash Flow Analysis - The report period's cash flow from operating activities showed a significant decline of 262.43% to -CNY 112,245,284[9]. - Cash inflow from operating activities totaled RMB 61,755,652 thousand, compared to RMB 205,269,887 thousand in the same period last year, indicating a significant decrease[39]. - Cash outflow from operating activities amounted to RMB 174,000,936 thousand, an increase from RMB 136,165,469 thousand in the previous year[40]. - Net cash flow from investing activities was RMB 4,570,948 thousand, a recovery from a negative cash flow of RMB 182,697,919 thousand in the same period last year[40]. - Cash inflow from financing activities reached RMB 402,571,230 thousand, significantly higher than RMB 129,632,178 thousand in the previous year[41]. - The net cash flow from financing activities was RMB 119,467,221 thousand, compared to RMB 80,241,724 thousand in the same period last year, showing an increase[41]. - The ending balance of cash and cash equivalents was RMB 106,934,737 thousand, up from RMB 99,467,532 thousand at the end of the previous year[41]. Shareholder Information - The total number of shareholders reached 227,586 by the end of the reporting period[12]. - The top shareholder, Jiangsu International Trust Co., Ltd., held 892,803,026 shares, accounting for 7.73% of total shares[13]. Awards and Recognition - The company received multiple awards, including the "Best Regional Private Bank" from the China Banking Association[7]. Future Plans and Investments - The company plans to issue up to 200 million preferred shares to raise funds for supplementary capital[16]. - The company is actively pursuing the establishment of a consumer finance company with a proposed investment of RMB 300.6 million, holding a 50.1% stake[18].

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 ...

Financial Performance - Operating income for the first nine months was RMB 23,786,850 thousand, representing a 13.04% increase from the same period last year[7] - Net profit attributable to shareholders rose to RMB 8,279,673 thousand, marking a 12.64% increase year-over-year[7] - Basic earnings per share increased to RMB 0.78, a growth of 9.86% compared to the previous year[7] - Net profit for the first nine months of 2016 was RMB 8,310,128 thousand, compared to RMB 7,358,081 thousand for the same period in 2015, reflecting an increase of about 12.9%[32] - The total operating income for the first nine months of 2016 was RMB 23,786,850 thousand, compared to RMB 21,043,318 thousand in 2015, representing an increase of about 13.0%[32] - Net profit for the third quarter was CNY 2,681,445, a 10.1% increase compared to CNY 2,435,409 in the same quarter of the previous year[36] Asset and Liability Growth - Total assets reached RMB 1,562,968,156 thousand, an increase of 21.13% compared to the previous year[7] - The total liabilities of the group amounted to RMB 1,481,983,554 thousand as of September 30, 2016, compared to RMB 1,224,798,773 thousand at the end of 2015, marking an increase of around 21.0%[28] - The bank's total equity reached RMB 80,984,602 thousand, up from RMB 65,534,563 thousand at the end of 2015, which is an increase of approximately 23.5%[29] - The bank's total assets increased to CNY 1,200 billion, reflecting a growth of 8.5% year-over-year[40] Shareholder Information - The total number of shareholders reached 301,407 by the end of the reporting period[9] - The top ten shareholders held a combined total of 3,066,000,000 shares, accounting for 26.56% of the total shares[10] Income and Cash Flow - The net cash flow from operating activities was RMB 85,942,185 thousand, down 18.91% from the previous year[7] - Cash flow from operating activities for the first nine months of 2016 was CNY 85,942,185, down from CNY 105,988,867 in the same period of 2015[41] - The bank's investment income decreased by 32.80% to CNY 49.69 million[16] - The bank's commission income increased by 60.70% to CNY 4.75 billion, reflecting growth in intermediary business[16] - The bank's fee and commission income for the first nine months of 2016 was RMB 4,747,927 thousand, compared to RMB 2,954,580 thousand in the same period of 2015, showing a significant increase of about 60.5%[32] Loan and Deposit Growth - Total deposits reached CNY 914.42 billion, up from CNY 776.43 billion, representing a growth of 17.74%[19] - Total loans increased to CNY 635.33 billion, compared to CNY 561.78 billion, marking a growth of 13.09%[19] - The bank's total loans and advances as of September 30, 2016, were RMB 618,714,898 thousand, an increase from RMB 546,389,335 thousand at the end of 2015, representing a growth of about 13.2%[27] - The bank's net increase in customer loans and advances was CNY 77,235,301, compared to CNY 62,756,371 in the previous year[41] Ratios and Capital Adequacy - The weighted average return on equity (annualized) decreased to 15.57%, down 0.95 percentage points from the previous year[7] - The bank's capital adequacy ratio stood at 11.57%, slightly down from 11.65% in the previous period[20] - The non-performing loan ratio remained stable at 1.43%[23] - The bank's liquidity coverage ratio was reported at 110.06%[23] - The bank's core tier 1 capital adequacy ratio was 9.05%, consistent with the previous period[20] Other Comprehensive Income - The bank's other comprehensive income after tax for the first nine months of 2016 was RMB 10,756 thousand, compared to RMB 311,322 thousand in the same period of 2015, indicating a decrease of approximately 96.5%[33] Future Plans - The bank plans to issue CNY 20 billion in green financial bonds to support green industry loans, pending regulatory approval[17]