证券代码：002839 证券简称：张家港行 江苏张家港农村商业银行股份有限公司投资者关系活动记录表 编号:2023-05 √特定对象调研 □分析师会议 □媒体采访 □业绩说明会 投资者关系活动 □新闻发布会 □路演活动 类别 □现场参观 □其他 （请文字说明其他活动内容） 华泰证券 安娜 参与单位名称及 汇添富基金 吴冠霖 人员姓名 广发基金 胡昕宇 工银安盛 沈奕飞 时间 2023 年 7 月 19 日上午 10：30-11：30 地点 张家港行总行 1703 会议室 董事会秘书 戚飞燕女士 小微金融总部总裁 王颖秋女士 上市公司接待人 董事会办公室副主任（主持工作）、证券事务代表 陶鹰女 员姓名 士 以及相关工作人员 主要就张家港行近期相关经营情况进行了交流，以下为 投资者问询及简要回复情况记录： 投资者关系活动 Q：贵行在今年的信贷资源的投放上是如何摆布的？ 主要内容介绍 A：我行坚持"做小做散、支农支小"的战略方向不动摇， 致力于"做中小微企业金融服务的主导者，做优质大型企业金 融服务的参与者"。今年我行在新增信贷资源的投向上，依然 将加大力度服务普惠、支持制造业转型及科创企业发展等方 向。 Q：贵行 ...

证券代码：002839 证券简称：张家港行 编号:2023-06 √特定对象调研 □分析师会议 □媒体采访 □业绩说明会 投资者关系活动 □新闻发布会 □路演活动 类别 □现场参观 □其他 （请文字说明其他活动内容） 参与单位名称及 人员姓名 国信证券 王剑、吴越 时间 2023 年 7 月 19 日下午 16：30-17：30 地点 张家港行总行 1703 会议室 董事会秘书 戚飞燕女士 计划财务部负责人 朱宇峰先生 上市公司接待人 董事会办公室副主任（主持工作）、证券事务代表 陶鹰女 员姓名 士 董事会办公室相关工作人员 主要就张家港行近期相关经营情况进行了交流，以下为 投资者问询及简要回复情况记录： Q：贵行今年小企业业务板块的战略规划如何？ 投资者关系活动 A：今年，我行小企业板块主要围绕以下几方面重点展开： 主要内容介绍 一是加大新客拓展力度，通过有针对性的客户走访，并配套有 竞争力的产品，努力挖掘新客户；二是加快科技转型赋能，将 传统的贷后管理模式转变为数字化贷后模式，充分释放客户 经理时间用于业务营销；三是努力提升异地市场份额，打造异 江苏张家港农村商业银行股份有限公司投资者关系活动记录表 地特 ...

证券代码：002839 证券简称：张家港行 编号:2023-04 □特定对象调研 □分析师会议 □媒体采访 □业绩说明会 投资者关系活动 □新闻发布会 □路演活动 类别 □现场参观 √其他 ：苏南上市银行投资者集体交流活动 东吴证券胡翔，华泰证券沈娟、安娜、贺雅亭，易方达基金 沐华，汇添富基金吴冠霖，工银瑞信基金王可心、陶先逸， 民生加银基金冯嵩越，中欧基金付陶，太平养老刘一凡，大 成基金彭博，鹏华基金陈梦知，南方基金蒋昭鹏，世诚投资 邹文俊，上海证券周春欣，元泓投资周立恒，方瀛投资 参与单位名称及 Jason，苏州资管万云鹏、刘磊，建信保险岳小琳，华创证 人员姓名 券王云龙，上海聆泽投资沙小川，光大保德信叶文博，华泰 证券资管李晗，中金资管曹野、蔡亦桐，国君资管刘佳奇， 合晟资产徐华，兆天投资张栋梁，上海东方证券资管谢佩 静，易米基金王磊、董涛，爱建证券章孝林，一鸣投资曾平 安，上银基金罗项天，景林潘洪文，方正证券赵大辉，农银 汇理李芳洲，华安基金梁艳萍，晨燕资产李树荣等 时间 2023 年 5 月 26 日下午 13：30-17：30 地点 苏州市姑苏区带城桥路 99 号南园宾馆 2 号楼 上市公司接待人 ...

Financial Performance - Basic earnings per share increased by 15.00% to CNY 0.23, while diluted earnings per share rose by 17.65% to CNY 0.20[3]. - The company's net profit attributable to shareholders increased by 17.42% to CNY 508,825,194.60 compared to CNY 433,350,428.23 in the previous year[31]. - Operating income for the period was CNY 1,191,741,959.20, a slight decrease of 0.64% from CNY 1,199,464,356.47 in the same period last year[31]. - The company achieved operating revenue of CNY 1.192 billion, a slight decrease of 0.64% year-on-year[71]. - The company reported a total comprehensive income of CNY 621.56 million, compared to CNY 467.47 million in the previous period[76]. Asset and Liability Management - Total assets of the company increased by 3.39% to CNY 193,892,902,617.59 from CNY 187,532,755,025.44[31]. - The bank's total liabilities reached CNY 177.55 billion, compared to CNY 171.81 billion at the end of the previous period, marking an increase of approximately 3.5%[26]. - Total liabilities rose by 3.34% to 177,545,567,554.45, with customer deposits increasing by 7.22% to 149,663,459,904.33[58]. - Cash and deposits with central banks decreased to CNY 10.30 billion from CNY 11.02 billion[71]. Loan and Deposit Growth - Total deposits increased to CNY 153.48 billion, up from CNY 143.60 billion, indicating a growth of approximately 6.5%[26]. - The net increase in customer deposits and interbank placements was CNY 9,327,414,676.22, compared to CNY 7,161,125,912.89 in the previous year[28]. - Total loan balance was CNY 118.662 billion, reflecting an increase of CNY 3.634 billion or 3.16% since the start of the year[42]. - Customer loans and advances increased by 3.16% year-on-year to 118,662,495,292.67[58]. Non-Performing Loans and Credit Quality - The bank's non-performing loan balance decreased to CNY 1.006 billion, with a non-performing loan ratio of 0.85%, down by 0.04 percentage points from the beginning of the year[14]. - Non-performing loans totaled CNY 1.006 billion, accounting for 0.85% of total loans, a decrease of CNY 1.622 million or 0.04%[41]. - The non-performing loan ratio improved to 0.85%, down from 0.89% in the previous quarter[57]. - Credit impairment losses decreased by 47.25% year-on-year to 235,447,101.70, due to reduced impairment losses on loans and advances[56]. Income and Expense Analysis - Net interest income for the period was CNY 991,001,510.99, compared to CNY 933,539,490.18 in the previous period, reflecting growth in interest income[18]. - The company reported a significant increase in commission income, reaching CNY 112,380,511.63 compared to CNY 88,045,831.20 in the previous period[27]. - Investment income for the period was CNY 102,398,431.19, down from CNY 219,891,701.89 in the previous year[27]. - The company experienced a 44.72% increase in income tax expenses, totaling CNY 58,803,816.73 compared to CNY 40,632,491.48 last year[36]. - Other income surged by 152.29% year-on-year to 7,554,435.08, attributed to increased government subsidies[56]. Capital Adequacy and Return on Equity - The bank's capital adequacy ratio remains robust, ensuring compliance with regulatory requirements[8]. - The core Tier 1 capital adequacy ratio improved to 9.68% from 9.55% in the previous period[38]. - Capital adequacy ratio stood at 13.39%, above the regulatory standard of 10.5%[57]. - The weighted average return on equity improved to 3.21%, an increase of 0.25 percentage points year-on-year[3]. Shareholder Information - The number of common shareholders at the end of the reporting period was 59,814[41]. - The top ten shareholders held a combined 31.10% of shares, with Jiangsu Shagang Group Co., Ltd. holding 8.18%[41].

Financial Performance - The company's net profit for 2022 reached CNY 1,698,628,288.47, an increase of 27.09% compared to CNY 1,336,571,707.74 in 2021[8] - Total operating income for 2022 was CNY 4,827,371,857.78, reflecting a growth of 4.57% from CNY 4,616,386,535.83 in 2021[8] - The company achieved a 35.15% increase in total profit, reaching CNY 1,855,021,281.97 compared to CNY 1,372,528,707.12 in 2021[8] - Interest income for 2022 reached RMB 7,776,590,062.01, an increase of 9.05% compared to RMB 7,131,255,219.59 in 2021[9] - The net interest income for 2022 was RMB 3,916,783,167.58, reflecting a growth of 6.11% from RMB 3,691,247,837.78 in the previous year[9] - The company reported a significant increase in investment income, which rose by 8.08% to CNY 684,636,009.30[8] - The company reported a significant increase in other operating income, which rose by 1962.56% to RMB 92,158,425.91 in 2022[22] Assets and Liabilities - Total assets as of December 31, 2022, amounted to RMB 187,533,000,000, representing a 13.95% increase from RMB 164,579,000,000 at the end of 2021[23] - The total liabilities increased by 14.53% to RMB 171,806,977,656.39 in 2022 from RMB 150,012,862,359.34 in 2021[45] - The bank's deposits increased by 15.24% to RMB 143,597,567,728.70 in 2022 from RMB 124,607,787,202.97 in 2021[45] - The amount of interbank deposits increased by 141.43% to RMB 2,258,072,716.27 in 2022 from RMB 935,289,217.64 in 2021[29] - The bank's borrowing funds rose by 203.05% to RMB 2,801,941,665.01 in 2022 from RMB 924,577,502.13 in 2021[29] Loan and Credit Management - The balance of micro-loans reached CNY 24.433 billion, serving 61,600 clients, while the balance of inclusive loans for small enterprises was CNY 21.15 billion, serving 11,500 clients[4] - The company has implemented a "Two Small" strategy focusing on microfinance and inclusive loans, which has become a major growth driver, accounting for 40.68% of total loans[4] - The amount of loans loss provisions recognized during the reporting period was RMB 142,504.93 million, with a balance of RMB 530,472.61 million at the end of the reporting period[35] - The balance of green loans reached 2.221 billion yuan, an increase of 1.166 billion yuan from the beginning of the year, representing a growth rate of 110.52%[57] - The number of green credit customers increased to 165, reflecting a growth rate of 106.25% compared to the beginning of the year[57] Strategic Initiatives - The company aims to enhance its core competitiveness through continuous innovation and transformation in response to market competition[6] - The company is committed to enhancing its green finance innovation and has established a three-year strategic development plan for green finance from 2022 to 2024[57] - The company aims to support agriculture and small enterprises by increasing loan disbursements in these sectors, aligning with its strategic positioning[90] - The company plans to implement eight major projects, including "high-quality development of small micro-businesses" and "digital transformation projects" to drive strategic transformation[96] - The company is focused on digital transformation and enhancing employee satisfaction as part of its strategic goals[75] Governance and Compliance - The board of directors and management operate independently and effectively, adhering to legal and regulatory requirements[108][110] - The company has established a comprehensive internal control system in accordance with regulatory requirements, ensuring full coverage and effective management of business operations[78] - The company has improved its governance structure and internal control systems in compliance with relevant laws and regulations[138] - The company has no significant discrepancies with the regulatory documents issued by the China Securities Regulatory Commission regarding corporate governance[115] - The company has established a sound governance structure in line with the Company Law and relevant regulations[138] Market Position and Future Outlook - The company ranked 526th in the Global 1000 Commercial Banks by The Banker magazine, an improvement of 88 places from the previous year[5] - Future guidance indicates a targeted net profit growth of 15% for 2023, driven by strategic investments and market expansion initiatives[99] - The company is exploring potential mergers and acquisitions to enhance its service offerings and market share[168] - The company plans to expand its market presence by opening 50 new branches in the next fiscal year[168] - The company aims to enhance its support for "three rural issues," small and micro enterprises, and local economic development[146]

证券代码：002839 证券简称：张家港行 江苏张家港农村商业银行股份有限公司投资者关系活动记录表 | --- | --- | --- | |----------------|-----------------|---------------------------------| | | | | | | √ | 特定对象调研 □分析师会议 | | 投资者关系活动 | □ | 媒体采访 □业绩说明会 | | 类别 | | □新闻发布会 □路演活动 | | | □ 现场参观 | | | | | 其他 （请文字说明其他活动内容） | | 参与单位名称及 | 易方达基金 沐华 | | | 人员姓名 | 南方基金 朱伟豪 | | | | 中欧基金 任飞 | | | | 上投摩根 赵阳芝 | | | | 长城基金 艾抒皓 | | | | 安信基金 叶芊 | | | | 光大保德信 于华 | | | | 财通基金 王烨敏 | | | --- | --- | --- | |----------------|------------------------------------------------------------ ...

证券代码：002839 证券简称：张家港行 | --- | --- | |----------------|--------------------------------------------------------| | | | | | √ 特定对象调研 □分析师会议 | | 投资者关系活动 | □ 媒体采访 □业绩说明会 | | 类别 | □新闻发布会 □路演活动 | | | □ 现场参观 | | | 其他 （请文字说明其他活动内容） | | 参与单位 | 中信建投、嘉实基金、光大保德信基金、交银康联人寿保险、 | | | 博时基金、太平洋资产管理公司等 | | 时间 | 2020 年 8 月 26 日上午电话会议 | | 地点 | 张家港行总行 16 楼黄行长办公室 | | 上市公司接待人 | 董事、副行长、主管会计工作负责人 黄勇斌先生 | | 员姓名 | 董事、董事会秘书 张平先生及董办工作人员 | | 投资者关系活动 | 主要就张家港行半年度业绩等与投资者通过电话会议的 | | 主要内容介绍 | 方式进行了交流，以下为投资者问询及简要回复情况记录： | 江苏张家港农村商业银行股份有限公司投资者 ...