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张家港行(002839) - 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
2025-04-15 09:16
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 ...
张家港行涉“理财投资与自营投资”违规被罚,去年不良率现波动,拨备覆盖率两连降
Sou Hu Cai Jing· 2025-04-11 08:53
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 | ...
超5000亿“红包雨”!谁最大手笔?
21世纪经济报道· 2025-04-08 11:51
作 者丨曹媛 编 辑丨孙超逸 图 源丨图虫 上市银行2 0 2 4年度"成绩单"陆续披露,分红情况也"浮出水面"。 Wi n d数据显示,截至4月8日,已有2 3家A股上市银行公布2 0 2 4年年报,其中包括6家国有大 行、8家股份制银行、3家城商行及6家农商行。 记者统计发现,上述 2 3家上市银行累计派发现金分红5 6 8 8 . 6 2亿元,同比增加超百亿元 。其 中,国有六大行依旧是绝对的"现金奶牛",2 0 2 4年拟现金分红金额合计超4 2 0 0亿元,且分红 比例均在3 0%及以上。 | | | 2024年银行业分红情况(已披露年报上市银行) | | | | --- | --- | --- | --- | --- | | 证券代码 | 证券简称 | 2024年度累计分 | 2023年度累计分 | 同比增减 | | | | 红总额(亿元) | 红总额(亿元) | (亿元) | | 601398.SH | 工商银行 | 1097.73 | 1092.03 | 5.70 | | 601939.SH | 建设银行 | 1007.54 | 1000.04 | 7.50 | | 601288.SH | 农 ...
张家港行去年投资收益大涨176%,但次级类、可疑类贷款迁徙率明显上升
Hua Xia Shi Bao· 2025-04-08 10:51
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 ...
消费贷进退:交行规模增超90%,张家港行减逾42%!个别行消费贷不良率激增近8个百分点|年报观察
Xin Lang Cai Jing· 2025-04-07 12:20
智通财经记者 | 安震 截至4月7日,A股上市银行年报披露过半,银行业务结构变化逐渐浮出水面。 面对复杂的宏观环境,银行业息差继续收窄,对公和零售业务都面临了更激烈的竞争环境,在零售利润整体承压的情况下,除少数银行规模收缩,零售业务 中消费贷总量大增。 此前,消费贷刚刚经历了一波"短暂的春天"。3月末,《关于发展消费金融助力提振消费的通知》的落地后,消费贷在期限延长的基础上,利率进一步下 降,银行消费贷再次掀起营销热潮。不过,仅仅几天后,从4月开始,3%以下消费贷利率被叫停。 业内人士认为,消费贷规模普遍扩张的基础上,银行需要严把风险关,考虑到经济周期变化,消费贷不良上升或成行业趋势。 个人消费贷规模激增近7500亿 智通财经记者梳理现有23家上市公司年报发现,与2023年相比,2024年仅有6家银行消费贷余额减少,分别是平安银行(000001.SZ)、浙商银行 (601916.SH)、渝农商行(601077.SH)、青岛银行(002948.SZ)、张家港银行(002839.SZ)、无锡银行(600908.SH),其中,平安银行消费贷余额减 少最多,达到706.28亿元。 | | 2023个人消费贷款 余额 ...
张家港行(002839):业绩增长韧性较强 转债转股增厚股本
Xin Lang Cai Jing· 2025-04-01 12:45
Core Viewpoint - Zhangjiagang Bank reported a revenue of 4.71 billion with a year-on-year growth of 3.8% and a net profit attributable to shareholders of 1.88 billion, reflecting a year-on-year increase of 5.1% [1] Financial Performance - Revenue growth is stable, with a year-on-year increase of 3.8% and net profit growth of 5.1%, showing resilience in performance [2] - The weighted average return on equity (ROAE) is 11.05%, down 0.6 percentage points year-on-year [1] - Net interest income and non-interest income growth rates are -12.6% and 96.8%, respectively, indicating a significant recovery in non-interest income [2] Loan and Asset Growth - The growth rate of interest-earning assets and loans is 4% and 8%, respectively, showing a slight slowdown compared to the previous quarter [3] - New loans for the year totaled 10.2 billion, with a decrease in financial investments and interbank assets [3] - The bank's focus on corporate and retail loans remains strong, with corporate loans accounting for 53.2% of total loans [3] Deposit Trends - Deposit growth has slowed, with a year-on-year increase of 6.4% in total deposits [5] - The proportion of time deposits continues to rise, reaching 79.4% by year-end [5] - New deposits for the year totaled 10.1 billion, reflecting a decrease compared to the previous year [5] Interest Margin and Non-Interest Income - The net interest margin (NIM) for the year is 1.62%, showing a "L"-shaped trend with a decrease of 37 basis points year-on-year [6] - Non-interest income reached 1.33 billion, a year-on-year increase of 97%, driven by bond trading [7][8] Asset Quality and Risk Management - The non-performing loan (NPL) ratio stands at 0.94%, indicating strong risk management capabilities [9] - The bank's provision coverage ratio is 376%, maintaining a high level of risk buffer [9] Capital Adequacy - The core tier 1 capital ratio is 11.1%, reflecting an increase due to the conversion of convertible bonds [10] - The bank's risk-weighted assets (RWA) growth rate is 6.7%, showing a slowdown in asset expansion [10] Strategic Focus - The bank is focusing on the local market, particularly in personal business loans, and is expanding its presence in Suzhou, Wuxi, and Nantong [11] - The strategy aims to enhance loan growth and improve asset pricing [11]
张家港行(002839):2024年年报点评:业绩增长韧性较强,转债转股增厚股本
EBSCN· 2025-04-01 12:14
2025 年 4 月 1 日 公司研究 业绩增长韧性较强,转债转股增厚股本 ——张家港行(002839.SZ)2024 年年报点评 增持(下调) 当前价:4.25 元 作者 分析师:王一峰 执业证书编号:S0930519050002 010-57378038 wangyf@ebscn.com 分析师:赵晨阳 执业证书编号:S0930524070005 010-57378030 zhaochenyang@ebscn.com | 市场数据 | | | --- | --- | | 总股本(亿股) | 24.44 | | 总市值(亿元): | 103.88 | | 一年最低/最高(元): | 3.56/4.98 | | 近 3 月换手率: | 111.73% | 股价相对走势 | 收益表现 | | | | | --- | --- | --- | --- | | % | 1M | 3M | 1Y | | 相对 | 2.73 | -2.55 | 2.49 | | 绝对 | 2.66 | -5.35 | 12.38 | | 资料来源:Wind | | | | 要点 事件: 3 月 28 日,张家港行发布 2024 年年报, ...
张家港行2024年年报:投资收益同比增长176.81%,经营性现金流为负4.2亿元
Jin Rong Jie· 2025-03-31 08:52
Core Insights - Zhangjiagang Bank (002839) reported growth in both revenue and net profit for the year 2024, alongside an expansion in asset size, but faces challenges such as a significant drop in interest income and negative operating cash flow [1][4]. Financial Performance - As of the end of 2024, the total assets of Zhangjiagang Bank reached 218.91 billion yuan, an increase of 5.69% compared to the previous year [1]. - The bank's operating revenue for 2024 was 4.711 billion yuan, up 3.75% year-on-year, while the net profit attributable to shareholders was 1.879 billion yuan, reflecting a 5.13% increase [1]. - Interest income decreased significantly, with net interest income at 3.379 billion yuan, down 12.55% year-on-year, and the net interest margin fell from 1.99% in 2023 to 1.62% in 2024, a decline of 0.37 percentage points [1]. Income Structure - Non-interest income showed significant volatility, with investment income rising to 1.290 billion yuan, a substantial increase of 176.81% year-on-year, attributed to a large increase in the scale of bond trading accounts [1]. - Fair value changes resulted in a loss of 104 million yuan, contrasting with a profit of 63 million yuan in the previous year, primarily due to valuation changes in trading financial assets [1]. Asset Quality - The non-performing loan ratio remained stable at 0.94%, consistent with the previous year, indicating a low level of asset quality risk [2]. - The provision coverage ratio decreased to 376.03%, down by 48.20 percentage points from the previous year [2]. - Capital adequacy ratios were reported at 13.57%, with a tier 1 capital ratio of 12.40% and a core tier 1 capital ratio of 11.08% [2]. Cash Flow Analysis - The bank experienced a rare negative operating cash flow of -420 million yuan for 2024, a decline of 123.38% compared to the previous year [3][4]. - The negative cash flow indicates that the bank's daily operations were unable to cover operational expenses, suggesting potential pressures in cash collection and fund utilization [4]. - The decline in cash flow was primarily due to reduced cash inflows from deposit absorption and the sale of repurchase agreements compared to the previous period [4].
张家港行:负债成本优化,资本水平夯实-20250330
HTSC· 2025-03-30 06:05
证券研究报告 张家港行 (002839 CH) 负债成本优化,资本水平夯实 | 华泰研究 | | 年报点评 | | --- | --- | --- | | 2025 年 3 月 | 29 日│中国内地 | 区域性银行 | 张家港行 2024 年归母净利润、营业收入、PPOP 分别同比+5.1%、+3.8%、 +5.5%,增速较 1-9 月-1.2pct、+0.9pct、-1.6pct。2024 年拟每股派息 0.2 元 (含税),年度现金分红比例为 26.02%,股息率为 4.73%(2025/3/28)。归 母净利润低于我们预期(24 年预测同比+5.6%),主要由于利息净收入承压。 公司推动小微转型,资产稳步扩张,应享受一定估值溢价,维持买入评级。 存款增长放缓,负债成本优化 24 年末总资产、贷款、存款增速分别为+5.7%、+8.0%、+6.4%,较 9 月末 -0.6pct、-0.3pct、-1.0pct。Q4 新增贷款以票据为主,零售及对公贷款缩量, 24Q4 对公、零售、票据及其他分别-31 亿元、-17 亿元、+59 亿元。公司 2024 年净息差为 1.62%,较 1-9 月+1bp。公司深耕 ...
张家港行:2024年实现营收利润双增长 持续深耕普惠金融与绿色转型
Zheng Quan Shi Bao Wang· 2025-03-29 07:38
Group 1: Financial Performance - In 2024, the company achieved an operating income of 4.711 billion yuan, a year-on-year increase of 3.75% [1] - The net profit attributable to shareholders reached 1.879 billion yuan, reflecting a growth of 5.13% compared to the previous year [1] - As of the end of 2024, total assets amounted to 218.908 billion yuan, representing a growth of 5.69% from the end of 2023 [1] Group 2: Asset Quality - The non-performing loan ratio stood at 0.94%, remaining stable compared to the previous year [1] - The provision coverage ratio was 376.03%, indicating a high level of risk resistance despite a slight decrease from the previous year [1] Group 3: Strategic Initiatives - The company has established a "11183" strategic system aimed at becoming a benchmark for high-quality development within the rural commercial bank sector [2] - Focus areas include enhancing inclusive financial services and increasing credit support for small and micro enterprises and the agricultural sector [2] - The company has implemented a "grid visit + anti-fraud" model to strengthen its inclusive customer base [2] Group 4: Financial Market Development - The company has developed a robust investment banking segment, optimizing its liability structure and actively engaging in investment activities [3] - By the end of 2024, the wealth management scale reached 20.902 billion yuan, with a significant increase of 456.85% in the agency sales of wealth management products [3] - The company aims to deepen its inclusive finance, strengthen corporate finance, and specialize in financial market operations as part of its future vision [3]