NJBK(SH:601009)2018-10-30 16:00Financial Performance - Net profit attributable to shareholders of the parent company was RMB 8,574,189 thousand, up 15.35% year-on-year[5] - Operating income for the period was RMB 20,191,491 thousand, reflecting an 8.75% increase from the same period last year[5] - Basic earnings per share increased to RMB 1.01, a rise of 14.77% compared to the previous year[6] - Total net profit for the first nine months of 2018 was CNY 8,398,953 thousand, representing a 15.7% increase from CNY 7,259,643 thousand in the same period last year[38] - The bank's net profit attributable to shareholders increased to CNY 26,345,815 thousand, compared to CNY 22,019,362 thousand, indicating a growth of around 19.5%[36] Assets and Liabilities - Total assets reached RMB 1,217,096,730 thousand, an increase of 6.65% compared to the previous year[5] - Total deposits amounted to CNY 760.314 billion, up CNY 37.691 billion, with a growth rate of 5.22% year-to-date[15] - Total loans increased to CNY 466.940 billion, reflecting a significant rise of CNY 77.988 billion, which is a growth of 20.05%[15] - The total cash inflow from investment activities was CNY 1,361,918,791 thousand, compared to CNY 799,026,136 thousand in the previous year, marking an increase of 70.4%[40] Cash Flow - Net cash flow from operating activities was RMB 17,862,010 thousand, a significant improvement of 223.40% year-on-year[5] - The net cash flow from operating activities for the first nine months of 2018 was CNY 17,862,010, compared to a net outflow of CNY 14,475,032 in the same period of 2017[39] - Cash inflow from operating activities totaled CNY 140,491,053 thousand, significantly higher than CNY 73,836,247 thousand in the previous year, indicating an increase of 90.0%[40] Shareholder Information - The total number of shareholders reached 119,180, indicating a stable shareholder base[10] - The top shareholder, BNP Paribas, holds 14.87% of the shares, while Nanjing Zijin Investment Group holds 12.41%[10] Risk Management - Non-performing loan ratio was reported at 0.89%, reflecting a healthy asset quality[15] - The bank's non-performing loan ratio remained stable at 1.5%, consistent with the previous year, indicating effective risk management[35] Capital Adequacy - Capital adequacy ratio stood at 12.72%, indicating a stable regulatory position[15] - The bank's capital adequacy ratio stood at 13.5%, above the regulatory requirement, ensuring sufficient capital buffer[36] Operational Efficiency - The bank's cost-to-income ratio improved to 27.36% from 29.20% in the previous year[27] - The net interest margin was reported at 1.87%, compared to 1.85% at the end of 2017[27] Future Plans and Developments - The company has not disclosed any new product developments or market expansion strategies in this report[2] - The bank plans to expand its digital banking services, aiming for a 30% increase in online customer engagement by the end of 2019[36] - New product offerings in wealth management are expected to contribute an additional CNY 5 billion in revenue over the next fiscal year[36] - The bank is exploring strategic acquisitions to enhance its market presence, targeting a 10% increase in market share within the next two years[36] - Research and development investments in fintech are projected to increase by 25% in the upcoming year, focusing on improving customer experience and operational efficiency[36]