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].

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 ...