NJBK(SH:601009)2015-10-28 16:00Financial Performance - Net profit attributable to shareholders was RMB 5.18 billion, a year-on-year increase of 24.48%[5] - Basic earnings per share were RMB 1.67, representing a growth of 19.29% compared to the previous year[5] - Operating income for the first three quarters was RMB 16.60 billion, an increase of 44.00% year-on-year[5] - Net profit for the first nine months of 2015 was RMB 5,228,153 thousand, representing a 25% increase compared to RMB 4,195,521 thousand in the same period last year[34] - Total comprehensive income for the first nine months of 2015 was RMB 5,649,136 thousand, compared to RMB 5,474,880 thousand in the previous year[34] Asset and Liability Growth - Total assets reached RMB 770.20 billion, an increase of 34.38% compared to the end of the previous year[5] - The bank's total liabilities increased to RMB 725,537,480,000 as of September 30, 2015, compared to RMB 540,366,394,000 at the end of 2014, reflecting growth in funding sources[30] - The total assets reached RMB 770,196,655,000 as of September 30, 2015, an increase from RMB 573,150,181,000 at the end of 2014[30] Deposits and Loans - Total deposits amounted to RMB 490.99 billion, up by RMB 122.67 billion, reflecting a growth of 33.30%[12] - Total loans stood at RMB 214.80 billion, increasing by RMB 40.11 billion, with a growth rate of 22.96%[12] - Total deposits reached RMB 490,995,737 thousand, an increase of 33.30% compared to the previous year[20] - Total loans amounted to RMB 214,795,361 thousand, up from RMB 174,685,206 thousand, reflecting a growth of 22.94%[21] - The loan-to-deposit ratio for RMB was 44.27%, down from 46.09% in the previous quarter, indicating a decrease in lending relative to deposits[24] Risk Management - The non-performing loan ratio was 0.95%, reflecting effective risk management[12] - The bank's non-performing loan ratio remained stable, with provisions for loan losses increasing to RMB 7,715,581 thousand, up 44.24% year-on-year[21] - The non-performing loan ratio remained stable at 0.95% as of September 30, 2015, compared to 0.94% in the previous quarter[24] - The provision coverage ratio improved to 377.41% as of September 30, 2015, compared to 351.57% at the end of 2014, indicating stronger reserves against potential loan losses[24] Income and Efficiency - Interest income increased by 32.38% to RMB 28,435,626 thousand, driven by the growth in interest-earning assets[4] - The bank's net interest margin improved to 2.61% from 2.30% in the previous year[23] - The cost-to-income ratio decreased to 23.83% from 25.87% in the previous quarter, reflecting improved operational efficiency[24] Cash Flow and Investments - Cash flow from operating activities was RMB 77.68 billion, down by 11.92% compared to the same period last year[5] - Cash inflow from investment activities totaled ¥1,011,132,263 thousand, a substantial increase from ¥398,590,606 thousand, reflecting a growth of approximately 153.5%[41] - Cash outflow from investment activities increased to ¥1,140,262,332 thousand from ¥497,555,980 thousand, marking an increase of about 128.7%[41] - Net cash flow from financing activities improved to ¥47,299,741 thousand from ¥7,119,464 thousand, an increase of approximately 564.5%[41] Branch Expansion - The bank opened several new branches, including the Xuzhou branch approved on July 31, 2015, and the Hangzhou Future Technology City branch on August 6, 2015[14][15]