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江阴银行(002807) - 2021 Q3 - 季度财报
JRCBJRCB(SZ:002807)2021-10-28 16:00

Financial Performance - Total operating income for Q3 2021 was RMB 816,548 thousand, a decrease of 3.99% year-on-year[9] - Net profit attributable to shareholders for Q3 2021 was RMB 278,545 thousand, an increase of 15.79% year-on-year[9] - Basic earnings per share for Q3 2021 was RMB 0.1282, an increase of 15.70% year-on-year[9] - Net profit for the first nine months of 2021 reached 752,583, representing a 16.48% increase from 646,124 in 2020[43] - Total operating revenue for the first nine months of 2021 was 2,432,921, a decrease of 2.67% compared to 2,499,644 in the same period of 2020[43] - The net profit margin for the first nine months of 2021 was 1.88%, down from 1.94% in the same period of 2020[27] - The investment income for the first nine months of 2021 was RMB 257,149 thousand, a decrease of 39.54% compared to RMB 425,354 thousand in the same period of 2020[21] Assets and Liabilities - Total assets as of September 30, 2021, reached RMB 145,387,661 thousand, an increase of 1.84% from the beginning of the year[9] - The total assets as of January 1, 2021, amounted to RMB 142,791,547 thousand, reflecting an adjustment of RMB 25,313 thousand from the previous year[48] - The total liabilities as of September 30, 2021, were RMB 132,799,009 thousand, compared to RMB 130,506,041 thousand at the end of 2020, indicating an increase of about 1.8%[41] - The total liabilities as of January 1, 2021, were RMB 130,531,354 thousand, with an adjustment of RMB 25,313 thousand[50] - The total equity attributable to shareholders increased to RMB 12,456,302 thousand from RMB 12,131,493 thousand, representing a growth of approximately 2.7%[41] - The company’s total equity as of December 31, 2020, was RMB 12,260,193 thousand[50] Loans and Deposits - Total deposits increased to RMB 109,220 million by the end of September, up RMB 6,140 million, with a growth rate of 6.0%[11] - The total loan balance reached RMB 91,420 million, an increase of RMB 11,190 million, with a growth rate of 13.9%[11] - The balance of inclusive loans for small and micro enterprises reached RMB 19,960 million, a net increase of RMB 5,170 million, with a growth rate of 35.0%[12] - The company reported a total loan and advance amount of RMB 87,408,530 thousand, up from RMB 77,210,353 thousand, marking an increase of about 13.5%[41] - The company’s total deposits increased to RMB 111,867,400 thousand from RMB 105,759,036 thousand, indicating a growth of approximately 5.3%[41] Non-Performing Loans - The non-performing loan balance decreased to RMB 1,343 million, down RMB 94 million from the beginning of the year, with a non-performing loan ratio of 1.47%, a decrease of 0.32 percentage points[15] - The non-performing loan ratio as of September 30, 2021, was 1.47%, a decrease from 1.79% at the end of 2020[25] - The company’s non-performing loan ratio remained stable, with a slight decrease in the substandard and doubtful loan categories[34] Cash Flow - The net cash flow from operating activities for the first nine months of 2021 was RMB -2,613,162 thousand, a decline of 253.39% compared to RMB -739,454 thousand in the same period of 2020[21] - The net cash flow from investing activities for the first nine months of 2021 was RMB 7,869,019 thousand, a significant increase of 783.51% from RMB -1,151,263 thousand in the same period of 2020[21] - Cash flow from investment activities showed a net inflow of 7,869,019, a significant improvement from -1,151,263 in 2020[45] - Cash and cash equivalents at the end of the period totaled 2,630,530, compared to 2,137,367 at the end of the same period last year[45] Capital Adequacy and Ratios - The core tier 1 capital adequacy ratio as of September 30, 2021, was 12.68%, down from 13.34% at the end of 2020[29] - The leverage ratio as of September 30, 2021, was 7.96%, an increase from 7.63% at the end of 2020[31] - The total assets return rate (annualized) for the first nine months of 2021 was 0.70%, down from 0.80% in the same period of 2020[27] - The weighted average return on equity was 2.26%, an increase of 0.2 percentage points year-on-year[9] Shareholder Information - The number of ordinary shareholders at the end of the reporting period was 63,091, with the top 10 shareholders holding a combined 28.69% of the shares[36]