Financial Performance - As of the end of 2021, the total assets of Zijin Bank reached CNY 206.7 billion, with a deposit balance of CNY 156.2 billion, an increase of CNY 8 billion from the beginning of the year[14]. - Operating income for the year was CNY 4.502 billion, reflecting a growth of 0.6%, while net profit increased by 5.1% to CNY 1.515 billion[14]. - The net cash flow from operating activities was negative at CNY -23,135,964 thousand, a significant decline compared to CNY 13,081,997 thousand in 2020, representing a decrease of 276.85%[42]. - Operating revenue for 2021 was CNY 4,502,101 thousand, a slight increase of 0.57% compared to CNY 4,476,750 thousand in 2020[42]. - Net profit for 2021 reached CNY 1,515,204 thousand, reflecting a growth of 5.11% from CNY 1,441,496 thousand in 2020[42]. - The company reported a pre-tax profit of 1,779,000 thousand RMB, representing a year-on-year growth of 11.16%[95]. - The company’s audited net profit for 2021 was CNY 1,515,203,246.44, with a total distributable profit of CNY 2,792,298,506.42[182]. Loan and Asset Management - The loan balance stood at CNY 140.1 billion, growing by CNY 19.4 billion year-on-year, with agricultural and small micro loans accounting for 55.46% of the total[14]. - The total loans and advances increased by 16.05% to CNY 140,059,315 thousand from CNY 120,689,850 thousand in 2020[45]. - The non-performing loan ratio improved to 1.45%, marking the best level since the company went public[14]. - The provision coverage ratio increased to 232% from 220.15% in 2020, an increase of 11.85 percentage points[52]. - The company’s loan loss provision at the end of the period was CNY 4,710,311 thousand, after a provision of CNY 772,109 thousand during the period[139]. - The overdue loans over 90 days accounted for 48.46% of non-performing loans at the end of the reporting period[138]. Customer Growth and Services - The number of credit customers reached 1.111 million, an increase of 241.8% compared to the beginning of the year[15]. - The company added 341,500 new registered households and 93,300 new credit accounts during the reporting period, with a new credit balance of 3.74 billion yuan[70]. - The company completed 4,645 first-time loans to small and micro enterprises, amounting to 2.9 billion yuan[77]. - The company provided 84.421 billion CNY in small and micro enterprise loans, with 25.931 billion CNY being inclusive loans, an increase of 9.552 billion CNY year-on-year[87]. - The company has implemented a "whole village credit" service model to provide low-cost and convenient loan support to rural areas[34]. Strategic Initiatives and Innovations - The company launched innovative financial products such as "Jinling Huinong Micro Loan" and "Tax Credit Loan" to support rural revitalization[34]. - The company plans to focus on product and service innovation, resource reallocation, and business model transformation in its new strategic plan[38]. - The company has established a green loan product system, including "Green Loan," "Green Energy Loan," and "Environmental Protection Loan" to support various environmental initiatives[165]. - The company launched several innovative financial products, including "Zijin Quick Loan" and "Zijin Micro E Loan," to support small and micro enterprises[83]. Risk Management and Compliance - The bank's risk management measures led to a reduction in non-performing loans, with a focus on comprehensive risk management and monitoring systems[20]. - The company is facing various risks, including credit risk, liquidity risk, market risk, operational risk, information technology risk, and reputation risk[158]. - The company has established an ESG management system and actively promoted green finance, becoming the tenth commercial bank in China to sign the "Principles for Responsible Banking"[75]. Community Engagement and Social Responsibility - The company has donated approximately 1.01 million CNY worth of materials to support pandemic prevention efforts, receiving recognition from the Chinese Red Cross Society[169]. - The company has actively participated in social responsibility initiatives, including over 280 volunteer service events involving nearly 4,000 employees[170]. - The company donated over CNY 1.01 million in various materials for health and education support, including 10,000 health gift boxes for key rural areas in Nanjing[170]. Future Outlook and Goals - The company anticipates a stable economic outlook for 2022, with GDP growth projected at 8.1% for 2021, reflecting robust development momentum in the region[5]. - The company aims for a deposit growth of 11.5%, loan growth of 12.8%, and a net profit increase of over 4.67% for 2022[157]. - The company plans to focus on expanding its market presence and enhancing its product offerings in the coming year[107].

Financial Performance - The net profit for 2021 was 1.515 billion yuan, reflecting a year-on-year increase of 5.1%, while the non-performing loan ratio improved to 1.45%, the best level since the company went public[14]. - Operating revenue for 2021 was CNY 4,502,101 thousand, a slight increase of 0.57% compared to CNY 4,476,750 thousand in 2020[42]. - The company’s audited net profit for 2021 was CNY 1,515,203,246.44, with a total distributable profit of CNY 2,792,298,506.42[182]. - The net profit before tax was 1.779 billion RMB, representing a year-on-year growth of 11.16%[95]. - The company achieved operating income of 4,502,101 thousand RMB, a year-on-year increase of 0.57%[93]. - The net interest income was 3.959 billion RMB, an increase of 3.09% year-on-year[105]. - The company reported a decrease in operating costs by 6.52%, totaling 2,724,653 thousand RMB[93]. - The average interest rate on loans was 4.71%, slightly down from 4.86% in the previous year[102]. Asset and Loan Growth - As of the end of 2021, the total assets of Zijin Bank reached 206.7 billion yuan, with a deposit balance of 156.2 billion yuan, an increase of 8 billion yuan from the beginning of the year[14]. - The loan balance was 140.1 billion yuan, growing by 19.4 billion yuan year-on-year, with agricultural and small micro loans accounting for 55.46% of the total[14]. - Total loans and advances increased by 16.05% to CNY 140,059,315 thousand from CNY 120,689,850 thousand in 2020[45]. - The loan-to-asset ratio improved to 67.77%, up by 12.32 percentage points from the beginning of the year[60]. - The company added 341,500 new registered households and 93,300 new credit accounts during the reporting period, with a new credit balance of 3.74 billion yuan[70]. - The company provided 84.421 billion CNY in loans to small and micro enterprises, with a total of 25.931 billion CNY in inclusive loans, an increase of 9.552 billion CNY year-on-year[87]. - The company completed 465 village-level credit assessments, providing loan credit of 38.198 billion CNY to 377,100 rural households[88]. Risk Management - The bank's risk management initiatives included the implementation of automated monitoring systems for credit fund flows and the establishment of a comprehensive risk management framework[20]. - The company is enhancing its risk management framework, focusing on credit, market, liquidity, and compliance risks[65]. - The overdue loans over 90 days accounted for 48.46% of non-performing loans at the end of the reporting period[138]. - The provision for impairment losses on loans and advances decreased significantly to CNY 772,109 in 2021 from CNY 1,206,159 in 2020[111]. Innovation and Product Development - The bank's innovative products included the "Jinling Huinong Small Loan" and carbon emission rights pledge loans, contributing to its service for rural revitalization[15]. - The company launched innovative financial products such as "Jinling Huinong Micro Loan" and "Tax Micro Loan" to support rural revitalization and small businesses[34]. - The company launched the "Zijin Micro e-loan" product, combining online and offline operations to improve efficiency for small and micro enterprises[83]. - The company has established a green loan product system, including "Green Loan," "Green Energy Loan," and "Environmental Protection Loan" to support various environmental initiatives[165]. Market Position and Recognition - The company achieved a significant milestone by being ranked 505th in the 2021 Global 1000 Banks list by The Banker magazine[38]. - The company was recognized as one of the top 100 banks in China by the China Banking Association in 2021[38]. - The company has committed to sustainable development, becoming the first rural commercial bank in China to publish an ESG report[34]. Strategic Focus and Future Plans - The bank plans to focus on "strategic grasp, innovation emphasis, risk control, and cultural building" in 2022 to enhance its competitive edge and risk management capabilities[16]. - The company aims to become a leading rural commercial bank with a focus on service innovation and compliance development[38]. - The company plans to focus on expanding its market presence and enhancing its product offerings in the upcoming year[107]. - The company aims for a deposit growth of 11.5%, loan growth of 12.8%, and a net profit increase of over 4.67% for 2022[157]. Social Responsibility and Community Engagement - The company has actively engaged in social responsibility initiatives, including donations to schools and support for vulnerable groups, reaching over 124,000 people through volunteer services[170]. - The company donated over CNY 1.01 million in various materials for health and education support, including 10,000 health gift boxes to key rural areas in Nanjing[170]. - The company has established a volunteer service team for the protection of the Yangtze River dolphin, engaging customers in conservation efforts[168]. Employee Engagement and Corporate Culture - The number of young employees under 35 reached 107, accounting for 34.51% of the total workforce by the end of 2021[173]. - The company has established 20 employee clubs and organized various health and sports activities to enhance employee well-being and brand influence[173]. - The company has implemented a three-level consumer rights protection system, enhancing customer experience and satisfaction[174]. Shareholder and Profit Distribution Policies - A cash dividend of CNY 1 per 10 shares (totaling CNY 366,095,756.60) is proposed for distribution to shareholders[182]. - The company has committed to maintaining a continuous and stable profit distribution policy, with cash distributions not exceeding the cumulative distributable profit[184]. - The company will evaluate the implementation of the shareholder dividend return plan at least once every three years[188].

Financial Performance - The company's operating income for Q1 2022 was RMB 1,074,414,000, representing a year-on-year increase of 3.44%[6] - Net profit attributable to shareholders was RMB 364,541,000, reflecting a growth of 10.53% compared to the same period last year[6] - The net profit after deducting non-recurring gains and losses was RMB 354,122,000, with a year-on-year increase of 9.45%[6] - Operating revenue for the period was RMB 1.074 billion, representing a year-on-year increase of 3.44%[21] - Net profit reached RMB 365 million, a year-on-year growth of RMB 35 million or 10.5%[21] - Net profit for Q1 2022 was RMB 364,541, compared to RMB 329,803 in Q1 2021, marking an increase of approximately 10.5%[42] - Basic earnings per share were RMB 0.1, an increase of 11.11% year-on-year[9] - Diluted earnings per share were RMB 0.09, reflecting a growth of 12.50% compared to the same period last year[9] - Basic earnings per share for Q1 2022 were RMB 0.10, up from RMB 0.09 in Q1 2021, representing an increase of about 11.1%[42] Assets and Liabilities - The total assets at the end of the reporting period reached RMB 227,999,694,000, an increase of 10.32% from the end of the previous year[9] - Total assets increased to RMB 227,999,694 as of March 31, 2022, compared to RMB 206,666,030 at the end of 2021, reflecting a growth of approximately 10.3%[38] - Total liabilities rose to RMB 211,743,754 in Q1 2022, up from RMB 190,666,834 in Q1 2021, indicating an increase of around 11.0%[40] - The bank's total equity increased to RMB 16,255,940 as of March 31, 2022, compared to RMB 15,999,196 at the end of 2021, reflecting a growth of approximately 1.6%[40] Cash Flow - The net cash flow from operating activities was RMB 17,201,054,000, showing a significant decrease of 4,777.75% year-on-year[6] - The net cash flow from operating activities for Q1 2022 was 17,201,054, a significant improvement from -367,721 in Q1 2021[47] - Cash inflow from operating activities totaled 29,516,811, compared to 14,481,033 in the same quarter last year, indicating a year-over-year increase of approximately 104.1%[47] - The net cash flow from investing activities was -1,786,082, worsening from -767,819 in Q1 2021[47] - Cash outflow from financing activities was 8,489,881, slightly higher than 8,244,700 in Q1 2021[49] - The total cash and cash equivalents at the end of Q1 2022 amounted to 20,149,475, down from 24,092,618 at the end of Q1 2021[49] - The net increase in cash and cash equivalents for Q1 2022 was 9,227,009, compared to 2,630,908 in Q1 2021, reflecting a strong liquidity position[49] Deposits and Loans - Total deposits amounted to RMB 174.6 billion, up RMB 18.4 billion or 11.8% year-to-date[19] - Total loans stood at RMB 149.7 billion, reflecting a growth of RMB 9.6 billion or 6.9% since the start of the year[19] - Savings deposits increased to RMB 88.5 billion, up RMB 10.1 billion or 12.85% year-to-date[21] - Agricultural and small micro-loans reached RMB 85.7 billion, growing by RMB 7.9 billion or 10.22%[21] Shareholder Information - The total number of ordinary shareholders at the end of the reporting period was 74,267[15] - The top ten shareholders held a total of 1,000,000,000 shares, accounting for 26.1% of the total shares[15] Risk and Liquidity - Non-performing loan balance decreased by RMB 4 million, with a non-performing loan ratio of 1.35%, down 0.1 percentage points from the beginning of the year[21] - The bank's non-performing loan ratio remained stable, with credit impairment losses recorded at RMB 270,127, down from RMB 319,191 in Q1 2021, a decrease of about 15.4%[42] - Capital adequacy ratio was 14.59%, meeting regulatory requirements[26] - Liquidity coverage ratio stood at 122.93%, indicating strong liquidity position[32]

Financial Performance - The company's operating revenue for Q3 2021 was CNY 1,197,648,000, representing a year-on-year increase of 15.43%[7] - The net profit attributable to shareholders for the same period was CNY 440,236,000, with a year-on-year increase of 2.46%[7] - The net profit after deducting non-recurring gains and losses was CNY 436,317,000, reflecting a 4.25% increase compared to the previous year[11] - The net profit for the third quarter of 2021 was 1,189,053 thousand RMB, compared to 1,158,647 thousand RMB in the same quarter of 2020, reflecting an increase of approximately 2.63%[40] - Total operating revenue for the first three quarters of 2021 was 3,308,221 thousand RMB, a decrease from 3,503,258 thousand RMB in the same period of 2020, representing a decline of approximately 5.57%[37] - Net interest income increased to 2,945,364 thousand RMB in 2021 from 2,904,407 thousand RMB in 2020, showing a growth of about 1.41%[37] - The company reported a decrease in investment income of 59.81%, amounting to CNY 194,763,000 compared to CNY 484,612,000 in the previous year[12] - The company reported a decrease in investment income to 194,763 thousand RMB in 2021 from 484,612 thousand RMB in 2020, a decline of about 59.83%[37] Assets and Liabilities - The total assets at the end of the reporting period amounted to CNY 217,837,797,000, showing a slight increase of 0.08% from the end of the previous year[11] - Total assets as of September 30, 2021, reached RMB 217,837,797 thousand, an increase from RMB 217,664,378 thousand at the end of 2020[19] - The total liabilities decreased to RMB 202,032,303 thousand from RMB 202,849,278 thousand at the end of 2020[19] - The total liabilities decreased to 202,032,303 thousand RMB from 202,849,278 thousand RMB, a reduction of approximately 0.40%[34] - The total cash and cash equivalents at the end of the period stood at 13,960,369, down from 28,353,736 in the previous period[47] Equity and Shareholder Information - The total equity attributable to shareholders increased to CNY 15,805,494,000, marking a 6.69% increase from the previous year[11] - Shareholder equity increased to RMB 15,805,494 thousand, up from RMB 14,815,100 thousand at the end of 2020[19] - The number of ordinary shareholders at the end of the reporting period was 72,674[14] - The top two shareholders held 16.28% of the total shares, with 南京紫金投资集团有限责任公司 holding 8.96% and 江苏省国信集团有限公司 holding 7.32%[14] - The company paid 948,600 in dividends, a decrease from 1,151,886 in the previous period[47] Cash Flow - The company's cash flow from operating activities showed a significant negative value of CNY -18,870,389,000, a decrease of 277.16% year-on-year[11] - Net cash inflow from operating activities was -18,870,389, a significant decrease compared to 10,651,562 in the previous period[45] - Cash inflow from investment activities totaled 74,238,284, while cash outflow was 64,943,232, resulting in a net cash flow of 9,295,052[45] - Cash inflow from financing activities was 32,950,000, with cash outflow of 30,871,835, leading to a net cash flow of 2,078,165[47] Ratios and Performance Metrics - The weighted average return on net assets was 2.83%, a decrease of 0.24 percentage points compared to the same period last year[11] - The non-performing loan ratio improved to 1.35% from 1.68% in 2020[22] - The liquidity ratio increased to 65.59% from 51.36% in 2020[22] - The capital adequacy ratio decreased to 14.54% from 16.81% in 2020[21] - The net stable funding ratio was reported at 128.22% for Q3 2021, slightly down from 128.69% in Q2 2021[28] - The loan loss provision coverage ratio improved to 242.37% from 220.15% in 2020[22] - The leverage ratio as of September 30, 2021, was 6.81%, up from 6.54% at the end of 2020[27] Other Financial Metrics - The company’s basic earnings per share remained stable at 0.32 RMB for both 2021 and 2020[40] - The company’s credit impairment losses were reported at 840,968 thousand RMB, a decrease from 1,236,035 thousand RMB in the previous year, indicating an improvement of approximately 31.99%[37] - The company’s cash and deposits with central banks were reported at 11,453,874 thousand RMB, down from 12,571,667 thousand RMB, a decrease of approximately 8.87%[34] - Net increase in customer deposits and interbank deposits amounted to 5,058,182 and 19,074,131 respectively[45] - Interest, fees, and commissions received amounted to 6,647,194, showing a slight increase from 6,212,924[45] - The impact of exchange rate fluctuations on cash and cash equivalents was -4,167, compared to -4,681 previously[47]

Financial Performance - The company's operating income for the first half of 2021 was CNY 2,110,573, a decrease of 14.40% compared to CNY 2,465,748 in the same period last year[24]. - Net profit attributable to shareholders for the first half of 2021 was CNY 748,817, representing an increase of 2.72% from CNY 728,961 in the previous year[24]. - The net cash flow from operating activities was negative CNY 7,373,193, a significant decline compared to CNY 4,890,886 in the same period last year, reflecting a decrease of 250.75%[24]. - Total assets at the end of the reporting period reached CNY 227,955,787, an increase of 4.73% from CNY 217,664,378 at the end of the previous year[24]. - The net assets attributable to shareholders increased to CNY 15,308,194, up 3.33% from CNY 14,815,100 at the end of the previous year[24]. - Basic earnings per share remained stable at CNY 0.20, unchanged from the same period last year[24]. - The weighted average return on net assets decreased to 4.93%, down 0.29 percentage points from 5.22% in the previous year[24]. - The company reported a 14.40% decrease in operating income, totaling 2.110573 billion yuan, compared to 2.465748 billion yuan in the same period last year[62]. - Net profit for Q2 2021 reached 419,014 thousand RMB, reflecting a 27.05% increase compared to Q1 2021[72]. - The total assets at the end of the reporting period amounted to 227,955,787 thousand RMB, a 4.73% increase from the previous year[72]. Risk Management - The company has taken various measures to effectively manage and control operational risks, including credit risk, market risk, liquidity risk, and operational risk[6]. - There are no foreseeable major risks that could impact the company's operations[6]. - The company faces various risks including credit risk, liquidity risk, market risk, operational risk, information technology risk, and reputation risk[87][90][91]. - The bank's liquidity risk management ensures compliance with regulatory requirements, with all liquidity indicators meeting standards during the reporting period[133]. - The bank has established five mechanisms for credit risk management, including market access, exit review, and risk warning mechanisms[130]. - The bank's market risk management includes monitoring interest rate sensitivity gaps and adjusting the repricing structure of interest-earning assets and interest-bearing liabilities[135]. - The bank has implemented a comprehensive operational risk management system to minimize potential losses from operational risks[139]. Loan and Deposit Activities - Deposits amounted to CNY 154.61 billion, increasing by 4.34%[28]. - Loan balance was CNY 134.53 billion, showing an increase of 11.47%[28]. - The company's corporate loan balance was CNY 98.452 billion, an increase of CNY 7.450 billion or 8.19% compared to the beginning of the year[46]. - The balance of agricultural and small micro loans accounted for 53.55% of total loans, an increase of 1.17 percentage points from the beginning of the year[46]. - The balance of personal loans is CNY 36,082,981, which constitutes 26.82% of total loans, up from 24.6% at the beginning of the year[110]. - The balance of loans in the wholesale and retail industry is CNY 16,949,072, accounting for 12.6% of total loans, showing a slight decrease from 12.64% at the beginning of the year[110]. - The balance of demand deposits decreased from 64,374,007 million to 55,877,765 million, a decline of approximately 13.8%[78]. - The balance of time deposits increased from 82,198,255 million to 96,387,030 million, reflecting an increase of about 17.3%[78]. Customer Engagement and Product Development - New customer accounts increased by 486,000, with new credit accounts rising by 272,000 and new credit balance of CNY 8.9 billion[29]. - The company launched "Jinling Huinong Small Loan" and "Bao E Loan" products, contributing to financial marketing efforts[29]. - The company added 101,000 new registered households and 10,000 new credit accounts during the reporting period, with a new credit balance of CNY 2.13 billion[40]. - The company achieved a 52.34% increase in credit loans, with a balance of CNY 20.619 billion[47]. - The company focused on small loans under CNY 3 million, with a strategy to prioritize loans under CNY 300,000[50]. - The company launched the "Jinling Huinong Micro Loan" product, providing credit up to CNY 300,000 to farmers, with a total of 397 million yuan in loans disbursed to 1,139 households by June 2021[144]. - The company achieved a pre-approval of 32.2 billion yuan for 14,513 households under its optimized flash loan product, with a current loan balance of 456 million yuan[145]. - The "Export Quick Loan" product was introduced to support small and medium-sized enterprises in export, with 5 potential clients identified and a total loan amount of 17.65 million yuan by June 2021[148]. - The company signed 270 corporate clients for the "Yinqi e+" platform, facilitating 16,000 transactions totaling 375 million yuan by June 2021[146]. Sustainability and Social Responsibility - The company established an ESG management system to guide sustainable development[41]. - The company aims to enhance its green finance business and become a leader in the Nanjing region by 2025, focusing on carbon neutrality goals[173]. - The company plans to donate at least 15 million yuan for poverty alleviation projects during the 14th Five-Year Plan period, with 3 million yuan already donated in the first half of 2021[168]. - The company has provided agricultural loans to 7,740 households, with a loan balance of 13.548 billion yuan, an increase of 990 million yuan from the beginning of the year[169]. - The company has 571 green loan clients with a green loan balance of 8.935 billion yuan, reflecting a 50.26% increase in the number of clients and a 26.13% increase in loan balance compared to the end of 2020[172]. - The company has implemented ten measures to support small and micro enterprises during the pandemic, including special loans for epidemic prevention and enterprise resumption[178]. Shareholder and Corporate Governance - The company has committed to a 36-month lock-up period for major shareholders, including Zijin Investment and Guoxin Group, during which they cannot transfer or manage their shares[182][184]. - Major shareholders are allowed to reduce their holdings by a maximum of 5% and 25% respectively after the lock-up period ends, with prior announcements required for any reductions[184]. - The company has not proposed any profit distribution or capital reserve increase plan for the reporting period[164]. - The company has reported no major changes in its share capital structure during the reporting period[196]. - The company has outlined a strategy for managing share transfers post-lock-up, limiting annual sales to 15% of total shares held[187][188]. - The company has conducted all related party transactions under normal commercial terms, ensuring no preferential treatment compared to independent third parties[194]. - The half-year report has not undergone an audit, indicating that the financial data presented is unaudited[192]. - The company has a commitment to stabilize its stock price if it falls below net asset value per share, with plans to hold board meetings to discuss specific stabilization measures[189][191].

Financial Performance - The company's operating income for 2020 was CNY 4,476,750, a decrease of 4.25% compared to CNY 4,675,227 in 2019[25]. - Net profit attributable to shareholders for 2020 was CNY 1,441,496, representing an increase of 1.72% from CNY 1,417,092 in 2019[25]. - The net cash flow from operating activities increased by 30.66% to CNY 13,081,997 in 2020, up from CNY 10,012,601 in 2019[25]. - Total assets at the end of 2020 reached CNY 217,664,378, an increase of 8.12% from CNY 201,318,675 at the end of 2019[25]. - The net assets attributable to shareholders increased by 7.75% to CNY 14,815,100 at the end of 2020, compared to CNY 13,749,160 at the end of 2019[25]. - Basic earnings per share for 2020 remained stable at CNY 0.39, unchanged from 2019[26]. - Diluted earnings per share decreased by 5.13% to CNY 0.37 in 2020, down from CNY 0.39 in 2019[26]. - The net profit for the year was CNY 1.441 billion, representing a year-on-year growth of 1.72%[39]. - The company reported a total of 150.614 billion RMB in liabilities, up from 133.512 billion RMB, indicating a growth of approximately 12.8%[62]. - The company’s net profit attributable to ordinary shareholders for 2020 was 1,441,496 thousand RMB, showing a slight increase from 1,417,092 thousand RMB in 2019[143]. Risk Management - The company has reported no foreseeable major risks, with effective measures in place to manage credit, market, liquidity, and operational risks[8]. - The company is committed to a comprehensive risk management system, focusing on credit, market, liquidity, and compliance risks[36]. - The company has established five mechanisms for credit risk management, including market access, loan approval, credit exit, risk warning, and non-performing asset disposal[104]. - The liquidity risk management goal is to identify, measure, monitor, and control liquidity risk, ensuring it remains within acceptable limits for sustainable operations[107]. - The company has implemented a market risk management framework that includes monitoring interest rate sensitivity and managing foreign exchange exposure to mitigate potential losses[108]. - The operational risk management framework emphasizes internal controls and compliance with regulatory requirements, focusing on key business processes to minimize potential losses[112]. Capital and Funding - The company successfully issued CNY 4.5 billion in convertible bonds to open new capital replenishment channels[40]. - The company's credit rating for the convertible bonds is AA+ with a stable outlook, indicating strong financial health and repayment capability[178]. - The company issued a total of 4.5 billion RMB in convertible bonds on July 23, 2020, with a maturity of 6 years and a coupon rate starting at 0.20% in the first year, increasing to 2.50% in the sixth year[184]. Dividend Policy - The company has a cash dividend policy that mandates a minimum of 80% of profits to be distributed as cash dividends during mature stages without major capital expenditure plans[139]. - The company plans to distribute profits in cash, stock, or a combination, with cash distributions not exceeding 30% of the average distributable profit over the last three years[140]. - In 2020, the company distributed a cash dividend of 366,089 thousand RMB, which accounted for 25.40% of the net profit attributable to ordinary shareholders[143]. - The company has committed to maintaining a stable profit distribution policy, with cash distributions in the first three years post-IPO being no less than 30% of the average annual distributable profit[140]. Loan and Deposit Growth - The deposit balance was CNY 148.175 billion, up 12.95% year-over-year, while the loan balance increased by 18.37% to CNY 120.690 billion[39]. - The company aims for a deposit growth of 10% and a loan growth of 14% in 2021, with a target for operating income to increase by over 7% and net profit by over 2%[74]. - The total balance of demand deposits increased to 64.374 billion RMB from 56.218 billion RMB, marking an increase of approximately 14.5%[62]. - The total balance of time deposits rose to 82.198 billion RMB from 72.939 billion RMB, reflecting an increase of about 12.5%[62]. Community and Social Responsibility - The company has established the "Zijin Dream Fund" for targeted poverty alleviation, donating a total of RMB 20 million during the 13th Five-Year Plan period, with an annual allocation of RMB 4 million for project construction[168]. - The company has donated RMB 1.3 million to assist economically disadvantaged households and provided over 1,700 "Zijin Love Bags" to students in need[169]. - The company has invested RMB 177.16 million in four poverty alleviation projects, helping 31 registered impoverished individuals to escape poverty[171]. - The company aims to enhance its financial services for small and micro enterprises, focusing on inclusive finance and community support initiatives[172]. Governance and Management - The governance structure includes a core leadership by the party committee, strategic decision-making by the board, and operational management by senior executives[37]. - The company has maintained a good financial condition and governance structure, continuously optimizing its asset structure[178]. - The company is focusing on expanding its market presence, as evidenced by the diverse backgrounds of its board members, which include expertise in finance and management[197]. - The company is expected to continue its focus on sustainable growth and community engagement, as reflected in the backgrounds of its leadership team[197]. Operational Efficiency - The cost-to-income ratio was 30.36%, an increase of 0.67 percentage points year-over-year[45]. - The company achieved a significant increase in cash flow from operating activities, with a net cash flow of CNY 13.081 billion, up 30.66% year-over-year[47]. - The company has optimized its business processes to quickly acquire customers through grid marketing, focusing on five key customer segments[118]. Legal and Compliance - As of the end of the reporting period, the company has 155 pending lawsuits involving a total amount of RMB 369 million, with 151 credit-related lawsuits amounting to RMB 321 million[162]. - The company has not proposed a cash profit distribution plan for the reporting period, despite having positive distributable profits[146].

Financial Performance - Net profit attributable to shareholders increased by 2.18% to CNY 329,803 thousand year-on-year[20] - Operating income decreased by 22.14% to CNY 1,038,684 thousand compared to the same period last year[20] - The company’s diluted earnings per share decreased by 11.11% to CNY 0.08 per share[20] - Net profit for Q1 2021 was 329,803 thousand RMB, slightly up from 322,774 thousand RMB in Q1 2020, indicating a growth of approximately 2.5%[43] - The total comprehensive income for Q1 2021 was 329,803 thousand RMB, down from 456,153 thousand RMB in Q1 2020, representing a decrease of approximately 27.7%[45] Asset and Liability Changes - Total assets increased by 4.93% to CNY 228,384,658 thousand compared to the end of the previous year[20] - Total liabilities rose to CNY 213,190,315 thousand, compared to CNY 202,849,278 thousand at the end of 2020, marking an increase of about 5.9%[28] - Total assets increased to CNY 228,384,658 thousand as of March 31, 2021, up from CNY 217,664,378 thousand at the end of 2020, representing a growth of approximately 5.3%[28] - Total liabilities increased to 213,190,315 thousand RMB in Q1 2021 from 202,849,278 thousand RMB in Q1 2020, marking an increase of about 5.9%[41] - The total equity rose to 15,194,343 thousand RMB in Q1 2021 from 14,815,100 thousand RMB in Q1 2020, reflecting an increase of about 2.6%[41] Cash Flow Analysis - Net cash flow from operating activities decreased significantly by 106.61% to -CNY 367,721 thousand[20] - The net cash flow from investment activities was -$767,819, a slight decrease from -$760,670 in the previous year[46] - Cash inflow from financing activities totaled $12,007,412, down from $13,283,148 year-over-year[46] - The net cash flow from financing activities improved to $3,762,712 compared to a negative $6,481,552 in the same period last year[46] - The cash inflow from investment activities was $27,740,509, compared to $25,581,492 last year[46] Shareholder Information - The number of shareholders at the end of the reporting period was 328,129,524, representing 8.96% of total shares[22] Capital and Funding Ratios - The bank's core tier 1 capital adequacy ratio decreased to 10.16% from 11.19% at the end of 2020[30] - The liquidity coverage ratio stood at 128.84% as of March 31, 2021, indicating a strong liquidity position[36] - The net stable funding ratio improved to 133.79% from 129.89% at the end of 2020, reflecting better funding stability[37] Operational Efficiency - The cost-to-income ratio increased to 31.51% in Q1 2021 from 30.36% in 2020, indicating a rise in operational costs relative to income[31] - The bank's operating expenses decreased to 662,994 thousand RMB in Q1 2021 from 931,502 thousand RMB in Q1 2020, a reduction of approximately 29.0%[43] Loan and Deposit Trends - The company experienced a 45.36% decrease in deposits from interbank and other financial institutions, totaling CNY 2,555,225 thousand[25] - Customer deposits and interbank deposits net increase was 11,912,610 thousand RMB in Q1 2021, compared to 7,686,252 thousand RMB in Q1 2020, showing a significant increase of approximately 55.0%[45] - The bank's loan loss provisions amounted to CNY 4,609,992 thousand, slightly up from CNY 4,470,422 thousand at the end of 2020[28] - Net interest income increased to 1,011,448 thousand RMB in Q1 2021 from 989,459 thousand RMB in Q1 2020, reflecting a growth of about 2.5%[43] - The company reported a total of $116,490,695 in loans and advances issued[49]

1 证券代码： 601860 可转债代码：113037 可转债简称：紫银转债 证券简称： 紫金银行 公告编号：2021-005 江苏紫金农村商业银行股份有限公司 关于开展投资者宣教活动的公告 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。 为切实做好投资者教育工作，保护投资者合法权益，促进资本市场健康稳定 发展，江苏紫金农村商业银行股份有限公司（以下简称"公司"）在成立十周年 之际，拟开展三期投资者宣教活动，帮助投资者了解金融行业基础知识，了解银 行业主要监管指标和监管政策，引导投资者理性参与证券交易。 本次投资者宣教活动以书面知识问答形式开展，公司在官方网站 （www.zjrcbank.com/）"投资者服务"专栏和上证E互动平台 （http://sns.sseinfo.com/）"上市公司发布"专栏发布宣教问答内容，三期 时间分别为2021年3月24日、2021年3月26日、2021年3月28日。 特此公告。 江苏紫金农村商业银行股份有限公司董事会 2021 年 3 月 24 日 ...

Financial Performance - Net profit attributable to shareholders rose by 1.83% to CNY 1,158,647,000 compared to the same period last year[19] - Operating income decreased by 2.23% to CNY 3,503,258,000 year-on-year[19] - Basic earnings per share increased by 3.23% to CNY 0.32[19] - Net profit attributable to shareholders for the third quarter increased by 90.96% to CNY 484,612 thousand, driven by gains from financial asset derecognition[26] - Total operating income for Q3 2020 was CNY 1,037,510, a decrease of 11.93% from CNY 1,178,288 in Q3 2019[42] - Net interest income for Q3 2020 was CNY 936,727, down 10.59% from CNY 1,047,668 in Q3 2019[42] - Net profit for Q3 2020 reached CNY 429,686, a slight increase of 1.42% compared to CNY 422,788 in Q3 2019[43] - The total comprehensive income for Q3 2020 was CNY 352,081, down 18.06% from CNY 429,881 in Q3 2019[43] Asset and Liability Management - Total assets increased by 8.05% year-on-year to CNY 217,525,616,000[19] - Total liabilities increased to CNY 202,930,870 thousand from CNY 187,569,515 thousand, marking a rise of 8.2%[28] - The company’s equity attributable to shareholders increased by 6.15% to CNY 14,594,746,000[19] - Total equity rose to CNY 14,594,746, an increase of 6.16% from CNY 13,749,160 in the previous year[40] - The total assets of the company amounted to CNY 201,318,675 thousand, with total liabilities at CNY 187,569,515 thousand[47] Cash Flow and Financing - Net cash flow from operating activities decreased by 28.38% to CNY 10,651,562,000 compared to the same period last year[19] - Net cash flow from operating activities for the first three quarters of 2020 was CNY 10,651,562 thousand, a decrease of 28.5% compared to CNY 14,871,963 thousand in the same period of 2019[45] - Net cash flow from financing activities was negative at CNY -6,422,853 thousand, an improvement from CNY -9,240,596 thousand in the previous year[46] - The company reported a net increase in cash and cash equivalents of CNY 4,590,975 thousand, compared to CNY 3,639,011 thousand in the same period last year[46] Deposits and Loans - Total deposits as of September 30, 2020, amounted to CNY 148,996,528 thousand, up from CNY 131,185,416 thousand, reflecting a growth of 13.6%[29] - The loan portfolio increased to CNY 117,817,997 thousand, compared to CNY 101,956,243 thousand, indicating a growth of 15.6%[29] - The net increase in loans and advances to customers was CNY 16,203,087 thousand, compared to CNY 13,538,159 thousand in the same period of 2019, reflecting a growth of 19.7%[45] - Net increase in customer deposits and interbank deposits reached CNY 19,074,131 thousand, up 66.5% from CNY 11,458,357 thousand in the previous year[45] Capital and Ratios - The capital adequacy ratio improved to 17.91% as of September 30, 2020, compared to 14.78% at the end of 2019[30] - The non-performing loan ratio remained stable at 1.68% as of September 30, 2020, unchanged from December 31, 2019[31] - The liquidity coverage ratio was reported at 139.07% as of September 30, 2020, indicating strong liquidity position[35] Shareholder Information - The number of shareholders reached 84,969 at the end of the reporting period[22] - The company issued CNY 4.5 billion convertible bonds in July 2020, which were successfully listed on the Shanghai Stock Exchange in August 2020[26] Government Subsidies and Non-Core Income - The company achieved a significant increase in government subsidies, with operating income from non-core business rising by 760.97% to CNY 35,696 thousand[26] Financial Asset Management - The company reported a significant increase of 94.19% in repurchase financial assets to CNY 17,697,914,000[24] - The company’s borrowings from the central bank increased by 403.68% to CNY 2,385,082,000[24]

Financial Performance - Operating income for the first half of 2020 was CNY 2,465,748,000, representing a 2.53% increase compared to CNY 2,404,878,000 in the same period last year[25]. - Net profit attributable to shareholders was CNY 728,961,000, up 1.95% from CNY 715,017,000 year-on-year[25]. - Basic earnings per share remained stable at CNY 0.20, unchanged from the same period last year[26]. - The weighted average return on equity decreased to 5.22%, down 0.34 percentage points from 5.56% in the previous year[28]. - Net profit attributable to shareholders for the first half of 2020 was CNY 728,961 thousand, down from CNY 1,417,092 thousand for the full year of 2019, a decrease of approximately 48.7%[74]. Cash Flow and Assets - Net cash flow from operating activities decreased by 39.68% to CNY 4,890,886,000 from CNY 8,108,853,000 in the previous year[25]. - Total assets increased by 4.92% to CNY 211,226,117,000 compared to CNY 201,318,675,000 at the end of the previous year[25]. - Total assets reached CNY 211.2 billion, an increase of 4.92% compared to the beginning of the year[38]. - Total assets as of the reporting period amounted to CNY 211,226,117 thousand, reflecting a 3.41% increase compared to the previous year[46]. - The company’s total liabilities reached CNY 197,423,024 thousand, which is 93.47% of total assets, showing a 3.19% increase from the previous year[48]. Risk Management - The company reported no foreseeable major risks, with existing risks primarily related to credit, market, liquidity, and operational risks[7]. - The company has implemented various measures to effectively manage and control operational risks[7]. - The company faces credit risk primarily from its loan portfolio, investment transactions, and other payment commitments[66]. - The company has established five mechanisms to manage credit risk, including market access, loan review, credit exit, risk warning, and non-performing asset disposal[113]. - The company maintains a liquidity risk management goal to identify, measure, monitor, and control liquidity risk within acceptable limits, ensuring stable operations[114]. Loans and Deposits - Total deposits and loans amounted to CNY 143.0 billion and CNY 115.8 billion, respectively, representing growth of 9.02% and 13.54% year-to-date[38]. - The loan-to-deposit ratio was 80.94% as of June 30, 2020, compared to 77.72% at the end of 2019, indicating a rise in lending activity[76]. - Total loans reached CNY 115,761,747 thousand, compared to CNY 101,956,243 thousand at the end of 2019, marking a growth of around 13.5%[73]. - The proportion of personal loans is 22.65%, with a balance of CNY 26,219,839, up from 24.85% at the beginning of the period[90]. Product and Service Development - The company successfully launched several new products, including "Xijin Quick Loan" and "Rural Revitalization Card," enhancing support for small and micro enterprises[39]. - The company launched the "Government-Bank Quick Loan" product to support small and micro enterprises, enhancing financing experience with standardized credit policies[125]. - The "Small Micro Rework Loan" was introduced to assist small businesses facing cash flow challenges due to the pandemic, featuring lower interest rates and expedited approval processes[125]. - The company introduced the "1+4 Epidemic Prevention Special Loan" to aid industries severely impacted by the pandemic, including catering and education[128]. Social Responsibility - The company donated CNY 3 million to the Nanjing Red Cross for epidemic prevention efforts, demonstrating social responsibility[40]. - The company established the "Zijin Dream Fund" for targeted poverty alleviation, donating a total of 20 million yuan during the "13th Five-Year Plan" period, with an annual allocation of 3.5 million yuan for project construction[165]. - The company has implemented various poverty alleviation projects, including the distribution of 1,000 school bags to underprivileged students[172]. - The company has engaged in volunteer activities to promote financial literacy in communities and schools[174]. Shareholder Information - The major shareholders include Nanjing Zijin Investment Group with 8.96% and Jiangsu Guoxin Group with 7.32% of shares[130]. - The total number of common shareholders at the end of the reporting period was 87,385[184]. - The largest shareholder, Nanjing Zijin Investment Group Co., Ltd., held 328,129,524 shares, representing 8.96% of total shares[184]. - The company has commitments from major shareholders, including Zijin Investment and Guoxin Group, to not transfer shares for 36 months post-listing[149][150]. Legal and Compliance - The company did not propose any profit distribution or capital reserve transfer plan for the half-year period[146]. - There were no major litigation or arbitration matters during the reporting period, indicating a stable legal environment for the company[156]. - The company has not disclosed any major related party transactions that deviate from normal business practices, ensuring compliance with regulatory standards[159].