张家港行(002839) - 2025 Q2 - 季度财报

Financial Performance - Total operating income for the first half of 2025 reached CNY 2,604,997,986.45, an increase of 1.72% compared to CNY 2,561,047,286.57 in the same period of 2024[21] - Net profit for the first half of 2025 was CNY 1,002,078,359.97, reflecting a growth of 4.93% from CNY 954,985,086.95 in the first half of 2024[21] - The net profit attributable to shareholders of the listed company was CNY 994,624,167.35, up 5.11% from CNY 946,261,048.55 in the same period last year[21] - The net profit attributable to shareholders after deducting non-recurring gains and losses was CNY 994,617,949.29, an increase of 8.12% from CNY 919,907,650.08 in the same period last year[21] - Operating income for the first half of 2025 was RMB 2.605 billion, a year-on-year increase of 1.72%[51] - Net profit attributable to shareholders was RMB 999.8 million, reflecting a year-on-year growth of 5.11%[48] Assets and Liabilities - The total assets as of June 30, 2025, amounted to CNY 223,785,294,900.23, representing a 2.23% increase from CNY 218,908,026,873.13 at the end of 2024[21] - The total net assets attributable to shareholders of the listed company increased to CNY 20,021,351,029.30, a rise of 1.51% from CNY 19,723,048,516.99 at the end of 2024[21] - The bank's total liabilities rose by 2.30% to CNY 203,584,787,035.17 as of June 30, 2025, from CNY 199,013,275,713.00 at the end of 2024[88] - The bank's total equity increased by 1.54% to CNY 20,200,507,865.06 as of June 30, 2025, compared to CNY 19,894,751,160.13 at the end of 2024[97] Cash Flow - The net cash flow from operating activities for the first half of 2025 was CNY -5,362,888,012.25, a significant decrease compared to CNY -1,776,491,614.06 in the first half of 2024[21] - The net cash flow from investing activities increased by 395.67%, reaching 5,775,404,776.66 RMB in the first half of 2025, up from 1,165,160,721.64 RMB in the same period last year[99] Loans and Deposits - The total loans and advances amounted to 146.12 billion, reflecting a 6.41% increase from the previous period[31] - Personal loans increased by 1.80% to 43.84 billion, while corporate loans rose by 12.21% to 81.90 billion[31] - The total deposits reached 175.93 billion, marking a 5.58% growth compared to the last period[31] - The bank's customer deposits increased to RMB 179.93 billion as of June 30, 2025, compared to RMB 171.22 billion at the end of 2024, marking a growth of around 5.1%[197] Profitability Ratios - Basic earnings per share for the first half of 2025 were CNY 0.37, down 5.13% from CNY 0.39 in the same period of 2024[21] - The weighted average return on equity decreased to 4.98%, down 0.50 percentage points from 5.48% in the first half of 2024[21] - The net interest margin was recorded at 1.24%, reflecting the company's profitability in its lending activities[34] Risk Management - The bank has implemented a digital risk control platform to enhance risk identification and management capabilities, improving overall risk management efficiency[123] - Credit risk management has been strengthened, focusing on preemptive controls and monitoring potential risks associated with loans and investments[125] - The bank's interest rate risk management focuses on aligning the maturity and interest rate structures of assets and liabilities, with regular stress testing conducted to simulate interest rate changes[127] Strategic Initiatives - The bank's strategy emphasizes support for agriculture and small enterprises, aligning with its risk management framework to ensure sustainable growth[123] - The bank is actively pursuing market expansion and enhancing its service offerings through strategic partnerships and technological advancements[123] - The bank has established a partnership with the Zhangjiagang New Citizen Affairs Center to enhance services for new citizens, creating three "New Citizen Homes" and three "New Citizen Micro Homes"[144] Social Responsibility - The company has provided monthly living subsidies to centenarians in Zhangjiagang City for 18 consecutive years, showcasing its commitment to social responsibility[146] - The company has sponsored the "Thousand Excellent Movies into Communities" initiative for 15 years, enhancing the cultural life of residents[146] Shareholder Information - The company plans to distribute a cash dividend of CNY 1.0 per 10 shares (including tax) to all shareholders[4] - The total number of ordinary shareholders at the end of the reporting period was 50,549[187]