NJBK(SH:601009)2016-04-27 16:00Financial Performance - The company achieved a net profit attributable to shareholders of RMB 7,000,576 thousand in 2015, representing a year-on-year growth of 24.82%[31]. - Basic earnings per share increased to RMB 2.21, reflecting a growth of 16.93% compared to the previous year[31]. - Total operating income for 2015 reached RMB 22,830,482 thousand, a 42.77% increase from RMB 15,991,534 thousand in 2014[24]. - The total profit for the year was CNY 9.02 billion, a year-on-year increase of CNY 1.96 billion, or 27.80%[38]. - The net profit for the year 2015 was RMB 7.066 billion, up from RMB 5.656 billion in 2014, marking a growth of 24.73%[103]. - The company's non-interest income for 2015 was RMB 4.002 billion, up from RMB 2.557 billion in 2014, indicating a growth of 56.53%[109]. - The company reported a total of RMB 407.364 billion in available-for-sale financial assets, up from RMB 270.301 billion in 2014, a growth of 50.83%[98]. Asset and Liability Management - The company's total assets grew by 40.46% to RMB 805,020,239 thousand, up from RMB 573,150,181 thousand in 2014[24]. - Total liabilities reached RMB 752.61 billion, up 39.28%, attributed to increases in deposits and bonds payable[71]. - The capital adequacy ratio stood at 13.11%, exceeding regulatory requirements[26]. - The balance of interbank deposits rose by 37.47% to RMB 27.64 billion, driven by an increase in domestic interbank deposits[1]. - The average balance of interest-bearing liabilities was 679.953 billion RMB, with an average interest rate of 2.84%[157]. - The average balance of interest-earning assets was 721.835 billion RMB, with an average interest rate of 5.28%[157]. Risk Management - The company has implemented various measures to effectively manage and control operational risks, including credit, market, liquidity, and operational risks[6]. - The company has no foreseeable major risks and has taken steps to mitigate various operational risks[6]. - The company has implemented measures to improve asset quality, including accelerating the disposal of problematic assets and enhancing accountability in asset quality management[144]. - The company has taken steps to manage market risk by implementing comprehensive risk management across various departments and enhancing market risk management methodologies[165]. - The liquidity risk management framework has been improved, with new liquidity risk stress testing templates developed and a liquidity risk management information system under construction[166]. - The company has reinforced operational risk management by enhancing employee transaction monitoring and developing a business continuity management policy[167]. Branch Expansion and Market Presence - The company has 16 branches and 146 business outlets as of the end of the reporting period[16]. - The company opened new branches in Lianyungang, Jiangbei New District, and Xuzhou during the year, enhancing its market presence[31]. - The company established a new branch in Jiangbei New District, becoming the first bank to enter the area, and opened new branches in Lianyungang, Xuzhou, and Huaian[39][40]. - The company has opened multiple new branches in 2015, enhancing its market presence and customer accessibility[181][182][184][185][187]. Profit Distribution - The profit distribution plan includes a cash dividend of RMB 4 per 10 shares, totaling RMB 1.346 billion[5]. - The proposed cash dividend is RMB 4 per 10 shares, totaling RMB 1.346 billion, which accounts for 19.23% of the net profit attributable to shareholders[195]. - The company plans to maintain a stable cash dividend policy, ensuring continuous and stable profit distribution in profitable years[194]. - The company's profit distribution policy considers sustainable development and regulatory capital requirements[195]. Innovation and Development - The company aims to enhance its comprehensive financial service capabilities and focus on retail banking as part of its strategic vision[17]. - The company plans to innovate its service and operational models, emphasizing asset management and investment banking[17]. - The company launched the "Xindong Culture - Nanjing Bank Cultural Loan" project, which won a financial innovation award in 2015[31]. - The company launched several new financial products, including "贴鑫付", "POS 贷", and "鑫联税", which received positive industry feedback[40]. - The company is actively responding to national development strategies such as "Belt and Road" and "Made in China 2025" while enhancing its risk management and innovation capabilities[35]. Compliance and Governance - The financial report for 2015 was audited by PwC and received a standard unqualified opinion[5]. - The company has established a robust internal control system for fair value measurement, ensuring compliance and accuracy in financial reporting[121]. - The company is committed to complying with regulatory requirements regarding capital adequacy while balancing short-term and long-term shareholder interests[195]. - As of the end of the reporting period, the company had 378 pending lawsuits as the plaintiff, involving an amount of 1.768 billion RMB, and 9 pending lawsuits as the defendant, involving 147 million RMB[198].