张家港行(002839) - 2024 Q3 - 季度财报

Financial Performance - Net profit attributable to shareholders was RMB 539.61 million, reflecting a year-on-year increase of 1.39%[2] - Operating income for the quarter was RMB 1.07 billion, down 6.44% from the same period last year[2] - Basic earnings per share for the quarter were RMB 0.25, while diluted earnings per share were RMB 0.21, representing increases of 6.67% and 5.00% respectively compared to the previous year[3] - Net profit for the current period reached RMB 1.50 billion, compared to RMB 1.42 billion in the previous period, reflecting an increase of about 5.6%[24] - The total comprehensive income attributable to the parent company was approximately CNY 1,587.52 million, showing a slight increase from CNY 1,585.33 million in the previous period[26] - Basic earnings per share increased to CNY 0.64 from CNY 0.60, while diluted earnings per share rose to CNY 0.54 from CNY 0.50[26] Assets and Liabilities - Total assets at the end of the reporting period reached RMB 215.86 billion, an increase of 4.22% compared to the end of the previous year[2] - Total liabilities rose to RMB 197.59 billion, up from RMB 189.92 billion, marking an increase of around 4.4%[23] - Total assets increased to RMB 215.86 billion as of September 30, 2024, up from RMB 207.13 billion at the end of 2023, representing a growth of approximately 4.1%[22] - Total deposits amounted to RMB 165.422 billion, growing by RMB 8.871 billion or 5.67% year-to-date[17] - The bank's customer deposits increased to RMB 169.78 billion, compared to RMB 160.92 billion, indicating a growth of about 5.3%[23] Capital and Ratios - The capital adequacy ratio stood at 12.69%, above the regulatory requirement of 10.5%[8] - The core Tier 1 capital adequacy ratio is 9.87%, exceeding the minimum requirement of 7.5%[9] - The liquidity ratio stands at 90.63%, significantly above the required 25%[9] - Non-performing loan ratio is at 0.93%, below the maximum threshold of 5%[9] - The provision coverage ratio is at 410.6%, well above the required 150%[9] - The cost-to-income ratio is 30.34%, below the maximum limit of 45%[9] - The bank's leverage ratio improved to 6.48% as of September 30, 2024, up from 6.33% at the end of 2023[11] Cash Flow - The net cash flow from operating activities was negative at RMB -614.95 million[3] - The net cash flow from operating activities was negative at CNY -614.95 million, compared to CNY -105.34 million in the previous period[27] - The net cash flow from investment activities was CNY 4,288.71 million, a significant improvement from CNY -4,692.97 million in the previous period[28] - Cash and cash equivalents at the end of the period increased to CNY 7,493.16 million from CNY 3,669.23 million[28] - The total cash inflow from operating activities was CNY 13,990.61 million, down from CNY 16,700.03 million in the previous period[27] Investment and Income - Investment income increased significantly by 160.35% year-on-year, totaling RMB 958.72 million[7] - Investment income surged to RMB 958.72 million, significantly higher than RMB 368.24 million in the previous period, representing an increase of approximately 160%[24] - The company reported a decrease in other operating income by 68.68% due to reduced government subsidies[7] Loan and Advances - Customer loans and advances increased by 7.13% year-over-year, totaling approximately ¥136.16 billion[12] - Total loan balance was RMB 136.157 billion, up by RMB 9.057 billion or 7.13% since the start of the year[17] - Agricultural and small micro-enterprise loans accounted for 91.06% of the total, increasing by 2.66 percentage points year-to-date[18] Operational Insights - The company engaged in two investor meetings during the reporting period to discuss operational performance[20] - The bank plans to expand its market presence through new product offerings and technological advancements in the upcoming quarters[24] - The bank's non-performing loan ratio remained stable, indicating effective risk management strategies in place[24]