点击进入更多详情：https://rs.p5w.net/html/145941.shtml 张家港行是全国首批成功上市的农商行。至2024年末，张家港农商银行共有本异地97家机构网点，已开 设南通、无锡、苏州3家分行和17家异地支行，发起设立2家控股村镇银行，投资参股6家农商行，实现 了由地方性银行向区域性银行的成功转型，员工人数约2300人。全行总资产2189.08亿元，存款总额 1666.31亿元、贷款总额1373.16亿元。（全景网） 张家港行（002839）2024年年度报告说明会4月21日下午在全景网举行。董事、行长吴开介绍，本行积 极践行新三年发展规划，贯彻普惠金融理念，金融资源向普惠类、科创类等战略重点领域倾斜。2024年 末，本行涉农及小微企业贷款占比90.87%，较年初提高2.47个百分点，增速8.67%，高于各项贷款增速 2.95个百分点，政策导向型指标基本符合预期。 吴开指出，报告期内，本行将普惠深耕工程细化落地为"零售网格化服务体系"、"公司客户'大铁网'走访 行动"、"个体工商户大走访行动"与"场景建设深度打造"等项目措施，走深走实大走访，持续将金融服 务触角延伸、融入商圈店铺、社区 ...

Group 1 - The company emphasizes the importance of digital transformation and has strengthened its digital services to support overall management [1] - The bank has developed small credit loan products based on transaction flows, which have been well received by small business owners [1] - A comprehensive risk monitoring system has been established to enhance risk management capabilities through a digital risk control platform [1] Group 2 - As of the end of 2024, the bank has 97 branches and has successfully transformed from a local bank to a regional bank [2] - The total assets of the bank amount to 218.9 billion, with total deposits of 166.6 billion and total loans of 137.3 billion [2] - The bank has approximately 2,300 employees and has initiated the establishment of two holding village banks [2]

瑞财经 王敏 近日，张家港行(SZ002839)发布2024年年度报告。 | | | | | 单位:人民币几 | | --- | --- | --- | --- | --- | | | 2024 年 | 2023 年 | 本年比上年增减 | 2022 年 | | 营业总收入(元) | 4,711,289,734.07 | 4.541,001,431.06 | 3.75% | 4.827,371,857.78 | | 归属于上市公司股东的净利润(元) | 1.878,563,242.92 | 1.786.919.111.87 | 5.13% | 1,682,023,495.03 | | 归属于上市公司股东的扣除非经常性 损益的净利润(元) | 1,847,515,183.55 | 1.728,833,026.41 | 6.86% | 1.543,584,040.56 | | 经营活动产生的现金流量净额(元) | -419,783,941.81 | 1.795.487,875.54 | -123.38% | 7.633,098,988.91 | | 基本每股收益(元/股) | 0.81 | 0.78 | 3.85 ...

证券代码：002839 证券简称：张家港行 公告编号：2025-013 江苏张家港农村商业银行股份有限公司 关于举行 2024 年年度报告说明会的公告 本公司及董事会全体成员保证公告内容真实、准确和完整，没有虚假记载、误导性陈 述或者重大遗漏。 江苏张家港农村商业银行股份有限公司（以下简称"公司"）于 2025 年 3 月 29 日披露了公司 2024 年年度报告全文及其摘要，相关内容详见巨潮资讯网 （http://www.cninfo.com.cn）。 为使广大投资者能够进一步了解公司 2024 年度的经营情况，公司定于 2025 年 4 月 21 日（星期一）下午 15:00-16:00 在全景网举办 2024 年年度报告 说明会（以下简称"说明会"），本次说明会将采用网络远程方式，投资者可以登 陆"全景路演"（http://rs.p5w.net）参与本次说明会。 出席本次说明会的人员有：董事、行长吴开先生，副行长兼主管会计工作 负责人朱宇峰先生，董事、董事会秘书戚飞燕女士，独立董事金时江先生（如 遇特殊情况，参会人员可能进行调整）。 为充分尊重投资者，提升交流的针对性，现就本次说明会提前向投资者公 开征 ...

Core Viewpoint - Several rural commercial banks in Jiangsu province, including Zhangjiagang Rural Commercial Bank, Taicang Rural Commercial Bank, Suzhou Rural Commercial Bank, and Kunshan Rural Commercial Bank, have been fined a total of 2.47 million yuan for various regulatory violations, primarily related to the failure to adequately separate wealth management investments from proprietary investments [1][2][5]. Group 1: Regulatory Penalties - Zhangjiagang Rural Commercial Bank was fined 300,000 yuan for failing to completely separate wealth management investments from proprietary investments [3][4]. - Taicang Rural Commercial Bank received a fine of 700,000 yuan for similar issues and for exceeding qualifications in investment management products [5][6]. - Suzhou Rural Commercial Bank was fined 600,000 yuan for not adequately separating wealth management investments from proprietary investments and for improper disposal of non-performing assets [9][10]. - Kunshan Rural Commercial Bank's Shuyang branch was fined 600,000 yuan for inadequate management of working capital loans and personal loans [12][13]. Group 2: Individual Penalties - The financial market department general manager of Taicang Rural Commercial Bank, Guo Jiamei, was fined 90,000 yuan for exceeding qualifications in investment management products [6]. - The risk director of Kunshan Rural Commercial Bank's Shuyang branch, Xu Shicheng, was warned and fined 60,000 yuan for inadequate management of working capital loans [12]. - The branch manager of Kunshan Rural Commercial Bank's Shuyang branch, Xu Faming, was also warned and fined 60,000 yuan for inadequate management of personal loans [12]. - Multiple individuals from Postal Savings Bank of China’s Suqian branch were fined 60,000 yuan for inadequate management of personal and working capital loans, with individual fines of 60,000 yuan for various managers [14][15].

证券之星注意到，这是张家港行首次因此类事项被罚，去年9月，张家港行旗下分支机构曾因承兑汇票 贸易背景真实性审核不到位，依据相关审慎经营规则，遭监管对其罚款35万元。 近日，国家金融监督管理总局苏州监管分局发布行政处罚信息公开表显示，江苏张家港农村商业银行股 份有限公司(下称"张家港行")因理财投资与自营投资风险未完全分离，被罚款30万元。 通常来看，农商行进行理财投资通常是按照与客户事先约定的投资计划和收益与风险承担方式，对客户 资金进行投资管理的业务活动。自营投资则是农商行运用自有资金进行的投资活动，其投资收益归农商 行自身所有，同时也承担相应的投资风险。 | 贷款迁徙率 | 正常类贷款迁徒率(%) | 不适用 | 1.81 | 1.95 | 1.3 | | --- | --- | --- | --- | --- | --- | | | 关注类贷款迁徙率(%) | 不适用 | 25.6 | 22.47 | 20.13 | | | 次级类贷款迁徒率(%) | 不适用 | 57.06 | 37.41 | 45.16 | | | 可疑类贷款迁徙率(%) | 不适用 | 58.64 | 34.18 | 28.5 | ...

Core Viewpoint - The article highlights the significant increase in cash dividends among listed banks in 2024, with state-owned banks leading in both total dividend amounts and payout ratios, reflecting a strong commitment to shareholder returns [2][7]. Summary by Sections Dividend Distribution Overview - As of April 8, 2024, 23 A-share listed banks have disclosed their annual reports, collectively distributing cash dividends of 56.8862 billion yuan, an increase of over 10.1887 billion yuan year-on-year [2][3]. - The six major state-owned banks are identified as the primary contributors, proposing a total cash dividend exceeding 420 billion yuan, with payout ratios consistently above 30% [7][8]. Individual Bank Performance - Industrial and Commercial Bank of China (ICBC) leads with a cash dividend of 109.773 billion yuan, followed by China Construction Bank and Agricultural Bank of China with 100.754 billion yuan and 84.661 billion yuan respectively [3][8]. - Among joint-stock banks, China Merchants Bank stands out with a dividend payout ratio of 35.32%, distributing over 50 billion yuan [4][9]. Trends in Dividend Frequency and Ratios - The article notes a shift in dividend frequency for state-owned banks to twice a year, enhancing their attractiveness to investors [8][9]. - In contrast, city commercial banks and rural commercial banks generally exhibit lower dividend scales and ratios, with Zhengzhou Bank having the lowest payout ratio at 9.69% [5][9]. Market Valuation and Investor Sentiment - The banking sector is currently experiencing a comprehensive decline in valuation, with an overall price-to-book (PB) ratio below 1, indicating a potential undervaluation of bank stocks [5][17]. - Over 20 banks have announced valuation enhancement plans in response to prolonged low valuations, aiming to improve investor returns and confidence [16][19]. Regulatory and Strategic Considerations - Regulatory bodies have been encouraging listed companies to increase dividend distributions, which has influenced the banks' decisions to enhance their payout strategies [7][12]. - The article emphasizes the importance of maintaining a balance between dividend payouts and capital retention for risk management and growth [10][19].

近年来，农商行成为债券市场的多头且成交活跃，引起各方广泛关注。在净息差收窄营收增速整体下滑的大环境 下，不少中小银行通过加大债券投资进行增收。而2023年，由于债券交易规模缩减，张家港行投资收益较上年骤 减31.91%至4.662亿元。 债券收益成业绩主要增长点 张家港行是全国首家由农信社改制组建成立的农商行，于2001年11月27日正式挂牌，2017年1月上市，是全国首批 上市的农商行之一。 2024年年报显示，截至报告期末，张家港行资产规模2189.08亿元，同比增长5.69%；实现营业收入47.11亿元，同 比增长3.75%；净利润18.75亿元，同比增长4.29%。 从营收结构来看，利息净收入是张家港行主要的营收来源，该项收入营收占比多年在80%以上。但财报显示，张 家港行净息差已由2023年的1.99%下降至2024年的1.62%，下降了37BP。在此影响下，该行利息收入同比减少 8.97%，利息净收入同比减少了12.55%，仅实现了33.79亿元，与此同时，该行利息净收入的营收占比也由2023年 的85.10%下降至71.73%。 当前，在减费让利、支持实体经济等背景下，银行业正整体面临利息收入减 ...

Core Viewpoint - The A-share listed banks are experiencing significant changes in their business structures, particularly in the consumer loan sector, amidst a challenging macroeconomic environment and tightening interest margins [1][2]. Group 1: Consumer Loan Growth - The total consumer loan balance has surged by nearly 750 billion yuan, with most banks reporting substantial increases in their consumer loan portfolios [3][5]. - Among 23 listed banks, only six reported a decrease in consumer loan balances for 2024, with Ping An Bank seeing the largest reduction of 70.63 billion yuan [5]. - Major banks like Postal Savings Bank, China Construction Bank, and Agricultural Bank of China have reported double-digit growth in consumer loans, with increases of 17.88%, 26.21%, and 38.03% respectively [6][7]. Group 2: Risk Management Concerns - Industry insiders express concerns about rising non-performing loans (NPLs) in the consumer loan sector, indicating that banks must tighten risk controls as economic cycles fluctuate [2][12]. - Several banks, including Industrial and Commercial Bank of China and Agricultural Bank of China, have reported increases in their consumer loan NPL ratios, highlighting the need for enhanced risk management strategies [12][13]. - The rapid growth of consumer loans has raised alarms about potential risks, with banks emphasizing the importance of maintaining asset quality and effective post-loan management [12][14]. Group 3: Regulatory Changes and Market Dynamics - In March, regulatory changes extended the repayment period for consumer loans from five to seven years and increased the maximum loan amount, aiming to support consumer spending [10]. - Following these changes, banks quickly halted low-interest consumer loans to prevent a price war that could lead to increased risks [12]. - The competitive landscape for consumer loans is shifting, with banks focusing on the relatively lower costs and stable returns associated with consumer lending compared to corporate lending [9].

Group 1 - The retail non-performing loan (NPL) ratio of 23 listed banks continues to rise, with a slight decrease in overall NPL ratio to 1.25% as of Q4 2024, down 2bps from Q4 2023. However, retail loan NPL ratios have generally increased, with state-owned banks seeing an average rise of 29bps compared to Q4 2023 [1][2][3] - The average retail credit cost for listed banks in 2024 is 1.24%, a decrease of 3bps year-on-year. State-owned banks have a lower average retail credit cost of 0.99%, attributed to a higher proportion of lower-risk personal housing loans [2][3] - Looking ahead, banks are expected to manage retail loan risks by tightening customer eligibility and employing various asset disposal strategies, with the impact on asset quality being relatively controllable [4] Group 2 - The report highlights that the retail loan structure of banks has shifted, with personal housing loans making up an average of 60.9% of the total retail loans for state-owned banks, which is 17.6 percentage points higher than the sample average [2][16] - Specific banks such as Ping An Bank and Everbright Bank have seen a decrease in retail credit costs, with Ping An Bank's credit cost dropping by 34bps year-on-year, largely due to a reduction in credit card NPLs [3][4] - The report suggests that banks like Postal Savings Bank have improved their asset quality, with a notable decrease in consumer loan NPLs by 12.2 billion yuan, resulting in a NPL ratio decline of 47bps to 1.34% [4][8]