Financial Performance - The bank reported operating income of CNY 814,726,000, a decrease of 4.29% compared to the same period last year[8] - Net profit for the quarter was CNY 223,105,000, an increase of 5.94% year-on-year[8] - The net profit attributable to shareholders was CNY 228,160,000, reflecting an 8.61% increase from the previous year[8] - The bank's basic earnings per share increased to CNY 0.1050, an 8.58% rise year-on-year[8] - Total operating income for Q1 2021 was RMB 814,726 thousand, a decrease of 4.5% from RMB 851,218 thousand in Q1 2020[70] - Net profit for Q1 2021 increased to RMB 223,105 thousand, up 5.7% from RMB 210,590 thousand in Q1 2020[70] - The bank reported a total comprehensive income of RMB 184,570 thousand, down from RMB 231,070 thousand in Q1 2020[70] Asset and Liability Management - The bank's total assets reached CNY 143,984,175,000, up 0.85% from the end of the previous year[8] - The total balance of adjusted on-balance and off-balance sheet assets was CNY 158,790.97 million, slightly down from CNY 158,878.86 million at the end of 2020[27] - Total liabilities rose to CNY 131,539,405 thousand from CNY 130,506,040 thousand, an increase of about 0.8%[67] - The bank's total assets reached CNY 143,984,175 thousand, up from CNY 142,766,234 thousand, indicating a growth of about 0.9%[67] - The bank's cash and deposits with the central bank amounted to CNY 9,007,661 thousand, down from CNY 9,903,346 thousand, a decrease of about 9.0%[63] - The total amount of loans classified as normal reached CNY 82,174.48 million, accounting for 97.47% of total loans, up from 97.19% at the end of 2020[29] Cash Flow and Liquidity - The bank's net cash flow from operating activities was CNY 3,931,914,000, a significant increase of 546.57% compared to the same period last year[8] - The net cash flow from operating activities increased by 546.57% to 3,931,914 thousand RMB compared to the same period last year[49] - The cash inflow from investment activities decreased by 63.85% to 3,991,333 thousand RMB compared to the previous year[49] - The bank's investment activities generated a net cash flow of RMB 1,590,066 thousand, compared to a negative cash flow of RMB -3,274,684 thousand in Q1 2020[74] Loan and Deposit Growth - Total deposits amounted to CNY 110,976,223,000, an increase from CNY 105,759,036,000 at the end of the previous year[10] - The total deposits reached CNY 108.33 billion, an increase of CNY 5.26 billion or 5.1% from the beginning of the year[30] - The total loan amount was CNY 84.31 billion, with an increase of CNY 4.08 billion or 5.1% from the beginning of the year[30] - Customer deposits increased to CNY 110,976,223 thousand from CNY 105,759,036 thousand, reflecting a growth of approximately 5.3%[67] Risk Management - The non-performing loan ratio stood at 1.52%, down from 1.79% in the previous year[22] - The bank's non-performing loan balance was CNY 1.279 billion, with a non-performing loan ratio of 1.52%, both showing a decrease compared to the beginning of the year[35] - The provision coverage ratio improved to 274.27%, an increase of 50 percentage points from the beginning of the year, enhancing the risk compensation capability[35] Shareholder Information - The total number of common shareholders at the end of the reporting period is 62,470[38] - The largest shareholder, Jiangyin Changda Steel Co., Ltd., holds 4.31% of shares, totaling 93,587,941 shares[38] Regulatory and Compliance - The bank has no significant contracts or entrusted financial management activities outside its normal business scope during the reporting period[58] - There were no violations regarding external guarantees or non-operational fund occupation by major shareholders during the reporting period[59][60] Digital Transformation - The bank has implemented a digital transformation strategy, including the launch of the "Jiangyin Instant Discount" online financing product to improve customer satisfaction and experience[34] Financial Standards and Reporting - The company implemented the new leasing standard in 2021, adjusting the initial retained earnings and related financial statement items without altering comparable period information[77] - The lease liabilities were measured at the present value of remaining lease payments discounted at the company's incremental borrowing rate[77] - The first quarter report for 2021 was not audited[78]
江阴银行(002807) - 2021 Q1 - 季度财报