ZJB(601860)2021-10-29 16:00Financial 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]