Financial Performance - The bank achieved an operating income of RMB 12.714 billion and a net profit of RMB 1.601 billion for the year[24]. - Net interest income for 2022 was RMB 9,624.33 million, an increase of 9.84% compared to RMB 8,761.81 million in 2021[27]. - Total operating income rose to RMB 12,714.04 million, reflecting a growth of 14.08% from RMB 11,144.43 million in the previous year[27]. - The net profit attributable to shareholders decreased by 25.15% to RMB 1,549.55 million from RMB 2,070.31 million in 2021[27]. - The pre-tax profit for the reporting period was RMB 1.681 billion, a decrease of 32.66% compared to the previous year[42]. - The net profit was RMB 1.601 billion, down 24.20% year-on-year, primarily due to an increase in asset impairment losses by RMB 2.390 billion[42]. - The total operating income for 2022 was RMB 12,714.04 million, an increase from RMB 11,144.43 million in 2021, representing a growth of approximately 14.09%[119]. Asset and Liability Management - As of the end of the reporting period, Jiangxi Bank's total assets amounted to RMB 515.573 billion, with total deposits of RMB 352.711 billion and total loans and advances of RMB 311.481 billion[24]. - The total assets reached RMB 515,572.66 million, a slight increase of 1.38% from RMB 508,559.81 million in 2021[28]. - The total deposits increased to RMB 352.711 billion, marking a growth of 2.61% from the previous year[41]. - The total amount of loans and advances issued was RMB 3,114.81 billion, an increase of RMB 337.67 billion, or 12.16%, compared to the end of the previous year[77]. - The total liabilities of the group stood at RMB 468.76 billion, an increase of RMB 1.83 billion, representing a growth of 0.39% from the previous year[84]. - The total equity of the group was RMB 46.815 billion, up RMB 5.182 billion or 12.45% year-on-year; equity attributable to shareholders was RMB 46.048 billion, an increase of RMB 5.131 billion or 12.54%[92]. Risk Management - The non-performing loan ratio increased to 2.18%, up by 0.71% from 1.47% in 2021[28]. - Jiangxi Bank has implemented a risk control mechanism that includes tailored risk disposal plans for major clients, aiming to reduce overall risk assets[34]. - The bank's risk management framework includes credit risk, liquidity risk, market risk, operational risk, information technology risk, legal and compliance risk, reputation risk, and strategic risk[161]. - The bank's operational risk management system has been enhanced with new modules for monitoring employee behavior and compliance[169]. - The overdue loans reached RMB 14.82 billion, representing 4.76% of the total loans, an increase of 2.66 percentage points compared to the previous year[107]. Digital Transformation and Innovation - Jiangxi Bank aims to provide high-quality, efficient, and convenient financial services to various types of customers, focusing on supporting local economic development and entrepreneurship[24]. - The bank is committed to enhancing its digital financial services, having won the "Best Smart Marketing Award for Mobile Banking" in 2022[26]. - The bank's focus on digital transformation aims to enhance financial services through digital, online, intelligent, and scenario-based applications[37]. - The bank established a strategic development and digital transformation committee to oversee its digital transformation efforts, enhancing its business support capabilities[151]. - The company has integrated various electronic channels, enhancing service efficiency and customer experience through a unified platform[155]. Customer Base and Market Position - The number of corporate and individual customers grew by 9.19% and 7.28% year-on-year, respectively, indicating a more diversified customer base[34]. - The bank's personal effective customer base grew to 7.4715 million, an increase of 928,700 customers, or 14.19%[138]. - The bank's market share for personal deposits in Jiangxi Province reached 5.15%, an increase of 0.02 percentage points year-on-year[136]. - The company maintained a market share of 8.75% in RMB corporate deposits in Jiangxi Province, ranking fourth[120]. Strategic Initiatives - Jiangxi Bank has initiated the establishment of Jiangxi Province's first financial leasing company and five rural banks[24]. - The bank aims for quality improvement and reasonable growth in 2023, focusing on asset structure, business expansion, and customer base development[34]. - The bank has committed to increasing credit issuance, focusing on supporting local government initiatives and enhancing financial services[32]. - The bank's strategic goals for 2023 include ensuring stability, accelerating growth, and achieving breakthroughs in key areas[182]. Shareholder Structure - The bank's total issued share capital remained unchanged at RMB 6,024,276,901 as of December 31, 2022[184]. - The top shareholder, Jiangxi Provincial Transportation Investment Group, holds 15.56% of the total share capital, with 937,651,339 shares[186]. - The bank had 8,931 domestic shareholders, including 29 state shareholders and 285 corporate shareholders[186]. - The shareholding of China Tobacco Jiangxi Company is 180,000,000 shares, which is about 3.85% of the total issued domestic shares and 2.99% of the total issued shares[189].
江西银行(01916) - 2022 - 年度财报