证券代码：601860 证券简称：紫金银行 公告编号：2023-032 转债代码：113037 转债简称：紫银转债 一、债券的基本情况 江苏紫金农村商业银行股份有限公司 关于不向下修正"紫银转债"转股价格的公告 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： ●截至 2023 年 10 月 20 日，江苏紫金农村商业银行股份有限公司（以下简 称"公司"）股票已出现在任意连续三十个交易日中有十五个交易日的收盘价低 于当期转股价格的 80%的情形，"紫银转债"转股价格已触发向下修正条款。 ●经公司第四届董事会第十二次会议（临时会议）审议通过，公司董事会决 定本次不向下修正"紫银转债"转股价格，且在未来六个月内（即 2023 年 10 月 21 日至 2024 年 4 月 20 日），如再次触发"紫银转债"转股价格向下修正条款， 亦不提出向下修正方案。从 2024 年 4 月 21 日开始重新起算，若再次触发"紫银 转债"转股价格的向下修正条款，届时公司董事会将再次召开会议决定是否行使 "紫银转债"转股价格的向 ...

| 证券代码：601860 | 证券简称：紫金银行 | 公告编号：2023-031 | | --- | --- | --- | | 转债代码：113037 | 转债简称：紫银转债 | | 江苏紫金农村商业银行股份有限公司 可转债转股结果暨股份变动公告 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： 一、紫银转债发行上市概况 根据中国证券监督管理委员会《关于核准江苏紫金农村商业银行股份有限公 司公开发行可转换公司债券的批复》（证监许可[2020]1068 号），江苏紫金农村商 业银行股份有限公司（以下简称"紫金银行"或者"公司"）于 2020 年 7 月 23 日向社会公开发行面值总额 45 亿元的可转换公司债券（以下简称"可转债"、"紫 银转债"），每张面值 100 元，按面值发行，期限 6 年。经上海证券交易所自律监 管决定书[2020]254 号文同意，公司 45 亿元可转换公司债券于 2020 年 8 月 17 日 起在上海证券交易所挂牌交易，债券简称"紫银转债"，债券代码"113037"。 根据《上海证 ...

Financial Performance - The company's operating income for the first half of 2023 was CNY 2,202,934, an increase of 1.62% compared to CNY 2,167,818 in the same period of 2022[18]. - The net profit attributable to shareholders for the first half of 2023 was CNY 871,189, reflecting a growth of 5.7% from CNY 824,208 in the first half of 2022[18]. - Basic earnings per share for the first half of 2023 were CNY 0.24, up 4.35% from CNY 0.23 in the same period of 2022[19]. - The weighted average return on equity for the first half of 2023 was 4.95%, a decrease of 0.13 percentage points from 5.08% in the same period last year[19]. - The company reported a net profit of 998.89 million RMB for the first half of 2023, an increase of 1.45% compared to the same period last year[42]. Asset and Liability Management - The total assets at the end of the reporting period reached CNY 248,092,842, marking a 10.4% increase from CNY 224,722,133 at the end of the previous year[18]. - Total liabilities increased by 10.94% to CNY 230,341,582,000 from CNY 207,624,981,000[44]. - The company's equity increased to CNY 17,751,260,000 from CNY 17,097,152,000[52]. - Total deposits and loans amounted to 195.3 billion RMB and 170.7 billion RMB, increasing by 19.4 billion RMB and 10.4 billion RMB, with growth rates of 11.0% and 6.5% respectively[25]. Cash Flow and Liquidity - The net cash flow from operating activities decreased by 24.64% to CNY 11,023,144 compared to CNY 14,627,199 in the same period last year[18]. - Cash and cash equivalents at the end of the period totaled 12,745,538 thousand RMB, down from 17,409,555 thousand RMB, a decline of about 26.8%[180]. - The liquidity ratio stood at 69.47%, significantly above the required minimum of 25%[128]. - The liquidity coverage ratio stands at 123.46% with high-quality liquid assets amounting to CNY 31,667,752[131]. Risk Management - The company reported no foreseeable major risks, with existing risks primarily related to credit, market, liquidity, and operational risks[5]. - The company has established a comprehensive risk control system, enhancing risk management across credit, market, liquidity, and compliance risks[28]. - The company faces various risks including credit risk, liquidity risk, market risk, operational risk, information technology risk, and reputation risk[58][59]. - The company has implemented a structured approach to operational risk management, focusing on internal controls and compliance with regulatory guidelines[163]. Strategic Initiatives - The company aims to enhance its rural inclusive financial services and has launched the "Purple Gold at Home" brand strategy to improve urban service efficiency[29]. - The company has set a strategic goal to become a first-class listed rural commercial bank with distinctive features and leading services by 2025[31]. - The company is focusing on product innovation, shifting from product-centered to customer-centered approaches, and enhancing service innovation from single-point to comprehensive services[30]. - The company is actively expanding digital currency payment scenarios, integrating new payment functionalities to promote the use of digital wallets among employees[170]. Customer Engagement and Growth - The number of credit customers increased to 101,000, up by 6,800 from the beginning of the year[33]. - The number of active mobile banking customers rose to 362,100, an increase of 88,500 since the start of the year[33]. - The company has visited nearly 60,000 farmers and 2,400 new agricultural operators as part of its outreach efforts[73]. - The cumulative credit amount for the "Jinling Huinong Small Loan" product reached RMB 38.19 billion, with 37,700 loans granted to farmers[169]. Compliance and Governance - There are no significant non-operating fund occupations by controlling shareholders or related parties during the reporting period[85]. - The company has not engaged in any major litigation or arbitration matters during the reporting period[86]. - All related party transactions are conducted under normal business terms, with no preferential conditions compared to independent third-party transactions[87]. - The financial statements comply with the requirements of the enterprise accounting standards, reflecting the company's financial position and operating results accurately[194].

| 证券代码： 601860 | 证券简称： | 紫金银行 | 公告编号：2023-027 | | --- | --- | --- | --- | | 可转债代码：113037 | 可转债简称：紫银转债 | | | 江苏紫金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 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： https://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 08 月 29 日(星期二) 至 09 月 04 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 boardoffice@zjrcbank.com 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。 江苏紫金农村商业银行股份有限公司（以下简称"公司"）将于 2023 年 8 月 31 日披露公司 2023 年半年度报告，为便于广大投资者更全面深入地了解公司 2023 年半年度经营成果、财务状况，公司计 ...

| 证券代码：601860 | 证券简称：紫金银行 | 公告编号：2023-026 | | --- | --- | --- | | 转债代码：113037 | 转债简称：紫银转债 | | 本次无偿划转完成不会对公司生产经营产生重大影响。敬请广大投资者理性 投资，注意投资风险。 特此公告。 江苏紫金农村商业银行股份有限公司董事会 2023 年 08 月 08 日 1 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。 本行股东江苏汇鸿国际集团中锦控股有限公司（截至 2023 年 6 月末持有本 行股份数量 28,201,608 股，占比 0.77%）、江苏汇鸿国际集团中鼎控股股份有限 公司（截至 2023 年 6 月末持有本行股份数量 28,201,608 股，占比 0.77%）之控 股股东江苏汇鸿国际集团股份有限公司近日发布《关于控股股东股权无偿划转完 成工商变更登记的公告》，公告表明其控股股东江苏苏汇资产管理有限公司（以 下简称"苏汇公司"）之控股股东江苏省政府国有资产监督管理委员会，将持有 的苏汇公司 100%股权无偿划转给 ...

Financial Performance - The company's operating income for Q1 2023 was RMB 1,091,012 thousand, representing a year-on-year increase of 1.54%[3] - The net profit attributable to shareholders for the same period was RMB 384,605 thousand, reflecting a growth of 5.5% compared to the previous year[3] - The net cash flow from operating activities reached RMB 20,316,470 thousand, marking an increase of 18.11% year-on-year[3] - The total operating income for Q1 2023 was CNY 1,091,012 thousand, a slight increase from CNY 1,074,414 thousand in Q1 2022, representing a growth of approximately 1.55%[42] - Net profit for Q1 2023 reached CNY 384,605 thousand, compared to CNY 364,541 thousand in Q1 2022, indicating an increase of about 5.5%[34] Assets and Liabilities - The total assets at the end of the reporting period amounted to RMB 255,274,901 thousand, which is a 13.6% increase from the end of the previous year[21] - The total assets of the company reached RMB 255,274.90 million, an increase from RMB 224,722.13 million at the end of 2022[32] - Total liabilities increased to CNY 237,783,566 thousand as of March 31, 2023, compared to CNY 207,624,981 thousand at the end of 2022, marking an increase of about 14.5%[36] - The company's total liabilities increased to RMB 237,783.57 million from RMB 207,624.98 million at the end of 2022[32] Shareholder Equity - The equity attributable to shareholders was RMB 17,491,335 thousand, showing a growth of 2.31% compared to the previous year[21] - The basic earnings per share for Q1 2023 was RMB 0.11, while the diluted earnings per share was RMB 0.10, indicating a decrease of 11.11%[21] Financial Ratios - The non-performing loan ratio improved slightly to 1.19% in Q1 2023 from 1.20% in 2022[28] - The liquidity ratio increased to 64.03% in Q1 2023, compared to 60.47% in the previous year[28] - The company’s net stable funding ratio was 136.36% as of March 31, 2023, up from 131.98% at the end of 2022[30] - The capital adequacy ratio decreased to 13.20% from 14.35% year-over-year[28] - The bank's leverage ratio decreased to 6.30% as of March 31, 2023, down from 6.95% at the end of 2022[38] Cash Flow - The cash and cash equivalents at the end of Q1 2023 were CNY 21,552,867 thousand, compared to CNY 20,149,475 thousand at the end of Q1 2022, indicating an increase of approximately 6.9%[46] - Net cash inflow from operating activities amounted to 20,316,470, compared to 17,201,054 in the previous period[48] - Cash outflow from investment activities was 29,224,459, an increase from 20,086,265[48] - Net cash flow from investment activities showed a significant decline to -12,232,825 from -1,786,082[48] - Cash inflow from financing activities totaled 6,145,266, up from 2,303,390[48] Other Income and Expenses - The company reported a non-operating income of RMB 2,724 thousand, which is classified as non-recurring gains[23] - The company received government subsidies amounting to RMB 1,245 thousand, which are closely related to its normal business operations[5] - The company reported a foreign exchange loss of RMB -35.81 million, indicating a decrease in foreign exchange gains and losses[25] - Other business income increased to RMB 471.86 million, reflecting growth in this segment[25] - Operating income from asset disposals decreased by RMB -88.26 million, indicating a reduction in non-operating income[25]

Financial Performance - As of December 2022, total assets reached 224.7 billion yuan, an increase of 8.7% year-on-year[8]. - Total deposits amounted to 175.9 billion yuan, up 12.6% from the previous year[14]. - Total loans reached 160.3 billion yuan, reflecting a growth of 14.4% year-on-year[14]. - Net profit for the year was 1.6 billion yuan, representing a year-on-year increase of 5.6%[8]. - The company's operating revenue for 2022 was CNY 4,506,757 thousand, a slight increase of 0.10% compared to CNY 4,502,101 thousand in 2021[34]. - Net profit for 2022 reached CNY 1,600,177 thousand, reflecting a growth of 5.61% from CNY 1,515,204 thousand in 2021[34]. - The total assets at the end of 2022 amounted to CNY 224,722,133 thousand, an increase of 8.74% from CNY 206,666,030 thousand in 2021[36]. - The total loans and advances increased by 14.45% to CNY 160,295,782 thousand in 2022, up from CNY 140,059,315 thousand in 2021[36]. - The company's cost-to-income ratio rose to 38.57% in 2022, an increase of 2.72 percentage points from 35.85% in 2021[41]. - The company achieved operating income of 4.51 billion RMB, a slight increase of 0.1% compared to the previous year[77]. Asset Quality and Risk Management - The non-performing loan ratio improved to 1.20%, a decrease of 0.25 percentage points from the beginning of the year[8]. - The provision coverage ratio increased to 246.7%, up by 14.66 percentage points from the beginning of the year, indicating improved asset quality and risk resilience[17]. - The non-performing loan ratio of the bank was 1.20% at the end of 2022, a decrease of 0.25 percentage points from the beginning of the year, marking the best performance in history[17]. - The liquidity ratio stood at 60.47%, well above the standard value of 25%[46]. - The company faces significant credit risk due to potential defaults from borrowers, which could impact its financial stability[130]. Customer Engagement and Services - The number of credit customers increased to 94,400, a growth of 18.3% compared to the beginning of the year[9]. - The company provided fee reductions totaling 24 million yuan, benefiting 37,000 small and micro enterprises[16]. - The company has established 361 service points, covering all streets and villages in the city, benefiting approximately 760,000 rural residents[16]. - The company issued small and micro enterprise loans totaling CNY 118.23 billion, with inclusive small and micro enterprise loans amounting to CNY 30.29 billion, an increase of CNY 4.36 billion year-on-year[64]. - The company has increased the number of small and micro enterprise loan accounts to 22,847, an increase of 4,284 accounts since the beginning of the year[64]. Green Finance Initiatives - Green credit exceeded 10 billion yuan, marking a significant advancement in green finance[15]. - The bank's first green branch was inaugurated in Jiangbei New District, contributing to its recognition as one of Jiangsu's top ten green finance institutions[29]. - The company has established a green finance center to promote sustainable financial practices, with the first green branch opened in 2021 and awarded "Star-level Green Bank" in 2022[136]. - The company launched various green financial products, including "Green Loan" for the landscaping industry and "Green Energy Loan" for energy-saving projects, enhancing support for green enterprises[138]. - The "Zijin Environmental Loan" product was developed to support pollution prevention and ecological restoration projects, with loan pricing linked to environmental credit ratings[138]. Strategic Development and Compliance - The bank aims to deepen strategic transformation and maintain compliance with risk management as a priority in 2023[17]. - The bank's strategic plan for 2021-2025 includes a focus on compliance, high-quality development, and innovative service models[30]. - The company is committed to supporting rural revitalization, aligning its development strategy with national priorities[127]. - The company anticipates ongoing regulatory scrutiny, which may impact its operational flexibility and profitability[129]. - The company has implemented a dynamic credit policy based on environmental risk assessments, categorizing clients into different environmental risk levels[139]. Governance and Shareholder Information - In 2022, the company held a total of 26 meetings, including 2 shareholder meetings and 6 board meetings, to ensure effective governance[147]. - The company has implemented 17 new governance regulations to enhance decision-making and clarify responsibilities among governance bodies[148]. - The company has made commitments regarding shareholding restrictions for major shareholders, including a 36-month lock-up period post-IPO[158]. - The company has not faced any risks of suspension or termination of listing during the reporting period[165]. - The company has 151 pending lawsuits with a total amount involved of 137 million RMB, primarily related to credit disputes[165]. Employee Engagement and Development - The total number of employees is 2,387, with 1,721 in business roles and 369 in management roles[195]. - In 2022, the company conducted 103 training sessions, achieving a 100% employee coverage rate[198]. - The company has established a training management system to support ongoing employee development[197]. - The company organized various employee engagement activities, with over 400 employees participating in sports and cultural events[145].

| 证券代码： 601860 | 证券简称： 紫金银行 公告编号：2023-010 | | --- | --- | | 可转债代码：113037 | 可转债简称：紫银转债 | 江苏紫金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： http://roadshow.sseinfo.com/） 会议召开方式：自行视频录制+中小投资者网络文字互动 投资者可于 2023 年 04 月 25 日(星期二) 至 05 月 04 日(星期四)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 boardoffice@zjrcbank.com 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。 二、 说明会召开的时间、地点 （一） 会议召开时间：2023 年 05 月 05 日 上午 10:00-11:30 三、 参加人员 本次业绩说明会的出席人员包括：公司董事长赵远宽先生、副董事长朱鸣先 生、 ...

Financial Performance - The company's operating revenue for Q3 2022 was CNY 1,207,872, an increase of 0.85% compared to the same period last year[7]. - Net profit attributable to shareholders for Q3 2022 reached CNY 450,823, reflecting a growth of 2.4% year-on-year[7]. - The net profit excluding non-recurring gains and losses was CNY 441,673, up by 1.23% from the previous year[10]. - Basic earnings per share for Q3 2022 was CNY 0.12, unchanged from the previous quarter, while diluted earnings per share decreased by 8.33% to CNY 0.11[10]. - Total operating income for the first three quarters of 2022 reached CNY 3,375,690, an increase from CNY 3,308,221 in the same period of 2021[37]. - Net profit for the first three quarters of 2022 was CNY 1,275,031, up from CNY 1,189,053 in the same period of 2021, marking an increase of about 7.2%[40]. - The basic earnings per share for the first three quarters of 2022 was CNY 0.35, compared to CNY 0.32 in the previous year, reflecting a growth of 9.4%[42]. Assets and Liabilities - Total assets attributable to shareholders at the end of the reporting period were CNY 223,223,825, an increase of 8.01% compared to the end of the previous year[10]. - Total assets increased to CNY 223,223,825 thousand as of September 30, 2022, up from CNY 206,666,030 thousand at the end of 2021, representing an increase of approximately 8.5%[18]. - Total liabilities rose to CNY 206,280,502 thousand, compared to CNY 190,666,834 thousand at the end of 2021, marking an increase of about 8.1%[18]. - Shareholder equity reached CNY 16,943,323 thousand, up from CNY 15,999,196 thousand, reflecting a growth of approximately 5.9%[18]. Cash Flow - The net cash flow from operating activities for the year-to-date was CNY 4,059,311, with no comparative data available for the current quarter[10]. - Cash inflow from operating activities totaled CNY 26,618,510, significantly higher than CNY 12,059,614 in the same period of 2021[44]. - Net cash flow from operating activities was $4,059,311, a decrease of $18,870,389 compared to the previous period[46]. - Cash inflow from financing activities totaled $12,583,476, significantly lower than $32,950,000 in the previous period[46]. - The net increase in cash and cash equivalents was $2,694,465, a decrease from $7,501,339 in the previous period[46]. - The ending balance of cash and cash equivalents was $13,616,931, slightly down from $13,960,369 in the prior period[46]. Shareholder Information - The total number of ordinary shareholders at the end of the reporting period was 70,514[15]. - The largest shareholder, Nanjing Zijin Investment Group Co., Ltd., held 328,129,524 shares, accounting for 8.96% of the total shares[15]. Risk Management and Quality - The non-performing loan ratio improved to 1.17% in Q3 2022 from 1.45% in 2021, indicating enhanced asset quality[23]. - The loan loss provision increased to CNY 4,809,342 thousand from CNY 4,710,311 thousand, reflecting a proactive approach to risk management[21]. Capital and Ratios - The weighted average return on equity for Q3 2022 was 2.70%, a decrease of 0.13 percentage points from the previous year[10]. - The capital adequacy ratio decreased to 14.46% as of September 30, 2022, down from 15.20% at the end of 2021[22]. - The liquidity coverage ratio stood at 118.95% as of September 30, 2022, indicating a strong liquidity position[28]. - Core Tier 1 capital net amount increased to CNY 16,644,063 thousand from CNY 15,723,599 thousand, showing a growth of approximately 5.8%[22]. - The leverage ratio increased to 7.02% as of September 30, 2022, compared to 7.24% at the end of 2021, indicating a slight reduction in leverage[27]. Deposits and Loans - The total deposits reached CNY 174,663,306 thousand, up from CNY 156,229,331 thousand, representing an increase of about 11.8%[18]. - The net increase in customer deposits and interbank deposits was CNY 19,347,849, compared to CNY 5,058,182 in the previous year, indicating a substantial growth[44]. - The company reported a net increase in loans and advances of CNY 17,881,350, compared to CNY 17,062,654 in the same period of 2021[44]. Accounting Standards - The company adopted new accounting standards starting in 2022, which may affect financial reporting[48].

Financial Performance - The company's operating income for the first half of 2022 was CNY 2,167,818,000, representing a 2.71% increase compared to CNY 2,110,573,000 in the same period last year[26]. - The net profit attributable to shareholders for the first half of 2022 was CNY 824,208,000, which is a 10.07% increase from CNY 748,817,000 year-on-year[26]. - The net profit after deducting non-recurring gains and losses was CNY 815,482,000, reflecting a 10.9% increase compared to CNY 735,328,000 in the previous year[26]. - The net cash flow from operating activities was CNY 14,627,199,000, a significant recovery from a negative cash flow of CNY -7,373,193,000 in the same period last year[26]. - The total assets at the end of the reporting period were CNY 227,571,989,000, marking a 10.12% increase from CNY 206,666,030,000 at the end of the previous year[26]. - The net assets attributable to shareholders at the end of the reporting period were CNY 16,443,459,000, which is a 2.78% increase from CNY 15,999,196,000 at the end of the previous year[26]. - The basic earnings per share for the first half of 2022 was CNY 0.23, up 15% from CNY 0.20 in the same period last year[27]. - The diluted earnings per share increased by 5% to CNY 0.21 from CNY 0.20 year-on-year[27]. - The weighted average return on equity for the first half of 2022 was 5.08%, an increase of 0.15 percentage points compared to 4.93% in the previous year[27]. Asset and Liability Management - Total assets reached CNY 227.57 billion, an increase of CNY 20.91 billion or 10.12% compared to the beginning of the year[32]. - Loan and deposit balances were CNY 177.05 billion and CNY 154.32 billion, respectively, with increases of CNY 20.82 billion (13.33%) and CNY 14.26 billion (10.18%) year-to-date[32]. - Total liabilities increased by 10.73% to CNY 211,128,530, compared to CNY 190,666,834 in the previous year[57]. - The total amount of loans and advances measured at amortized cost reached CNY 134,844,561, up from CNY 124,192,182 year-over-year, representing an increase of 13.4%[59]. - The total amount of other debt investments was CNY 38,570,868, compared to CNY 35,308,230 in the previous year, reflecting a growth of 6.4%[62]. Loan and Credit Management - Non-performing loan balance decreased by CNY 0.178 billion (8.79%) to CNY 1.852 billion, with a non-performing loan ratio of 1.20%, down 0.25 percentage points from the beginning of the year[32]. - The proportion of loans to agricultural and small micro enterprises reached 57.08%, an increase of 1.62 percentage points compared to the beginning of the year[32]. - Inclusive loans for agricultural households and small micro enterprises grew at rates of 11.04% and 11.02%, respectively[32]. - The company's corporate loan balance (including discounts) reached RMB 116.696 billion, an increase of RMB 16.291 billion, representing a growth of 16.23% compared to the beginning of the year[45]. - Agricultural and micro-enterprise loans accounted for 57.08% of the total loan amount, an increase of 1.62 percentage points from the beginning of the year[45]. Risk Management - The company has established a comprehensive risk management system, enhancing its capabilities in credit, market, liquidity, and compliance risk management[36]. - The bank faces various risks including credit risk, liquidity risk, market risk, operational risk, information technology risk, and reputation risk[74][75][78]. - The bank's liquidity risk management strategy aims to control liquidity risk within acceptable limits, ensuring stable operations[200]. - The bank has established five mechanisms for credit risk management, including market access and risk warning mechanisms[199]. Community Engagement and Social Responsibility - The company actively participated in local community building, increasing the number of cooperative units to 810 during the reporting period[35]. - The company donated 250,000 yuan to the Jiangsu Red Cross for local humanitarian efforts, enhancing its social responsibility image[91]. - The company aims to enhance rural financial services, with 88 rural outlets and 303 inclusive financial service points, achieving an average deposit of CNY 820,820 per rural outlet, 1.79 times that of urban outlets[39]. Strategic Initiatives - The company launched the "Zijin Home" brand strategy to enhance urban community banking services, integrating online and offline channels[39]. - The company has implemented a comprehensive financial service strategy, focusing on local markets and integrating with the Yangtze River Delta economic zone[44]. - The company has established an ESG management system to promote sustainable development and compliance management[41]. - The company is committed to transforming from a "credit intermediary" to a "comprehensive financial service provider" to enhance customer returns[44]. Shareholder and Equity Information - The company has a total of 3,660,973,595 shares, with 1,718,357,378 shares released from lock-up during the reporting period[121]. - The proportion of restricted shares decreased from 52.02% to 5.08% after the release of shares[121]. - The company has not disclosed any new strategic investors or changes in major shareholders during the reporting period[132]. - The largest shareholder, Nanjing Zijin Investment Group, holds 328,129,524 shares, representing 8.96% of the total[130]. Financial Health Indicators - The capital adequacy ratio stood at 14.11%, above the required minimum of 10.5%[162]. - The provision coverage ratio stands at 261.56%, exceeding the minimum requirement of 150%[164]. - The cost-to-income ratio is 35.78%, significantly lower than the target of 45%[164]. - The net stable funding ratio is 136.06%, indicating strong liquidity management[167].