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张家港行(002839) - 2019 Q3 - 季度财报
ZRCBANKZRCBANK(SZ:002839)2019-10-21 16:00

Financial Performance - Net profit attributable to shareholders increased by 12.10% to RMB 259.01 million for the current period[8] - Operating income for the current period reached RMB 1.00 billion, reflecting a 38.75% increase year-on-year[8] - The basic earnings per share rose by 15.38% to RMB 0.15 for the current period[8] - The total profit for the current period is CNY 299,118,195.70, compared to CNY 260,095,242.22 in the previous period, marking an increase of around 15%[78] - Total operating income reached CNY 977,145,706.54, compared to CNY 702,184,521.68 in the previous period, indicating a significant increase of about 39.1%[81] - The bank reported a significant increase in investment income, which rose to RMB 217.75 million from RMB 45.63 million, reflecting a growth of approximately 376.5%[74] - The company's investment income for the current period is CNY 217,748,920.25, significantly higher than CNY 45,625,521.25 in the previous period, indicating a growth of about 376%[81] Asset and Liability Management - Total assets increased by 5.35% to RMB 119.51 billion compared to the end of the previous year[8] - The bank's total liabilities increased by 5.48% to RMB 109.10 billion compared to the end of the previous year[12] - The total assets of Jiangsu Zhangjiagang Rural Commercial Bank reached RMB 119.51 billion as of September 30, 2019, compared to RMB 113.45 billion at the beginning of the year, reflecting a growth of approximately 5.5%[60] - The bank's total liabilities amounted to RMB 109.10 billion, an increase from RMB 103.44 billion at the start of the year, indicating a growth of about 5.1%[63] - Total assets amounted to RMB 113,446,248,280.41, a decrease of RMB 182,348,776.25 compared to the previous period[116] - Total liabilities reached RMB 103,435,593,740.52, down by RMB 106,105,677.12 from the last reporting period[116] Risk Management - The non-performing loan ratio was reported at 1.42%, well below the regulatory limit of 5%[16] - The bank's non-performing loan ratio remained stable, indicating effective risk management strategies in place[69] - The total amount of loans classified as normal is 6,580,342.15 million RMB, representing 95.18% of total loans[23] - The amount of loans under special attention decreased by 80,453.81 million RMB, now at 234,852.08 million RMB, which is 3.40% of total loans[23] Cash Flow Analysis - The bank's net cash flow from operating activities improved significantly, with a net amount of RMB 3.00 billion, a 75.11% increase[8] - The net cash flow from operating activities decreased by 42.88% year-on-year, amounting to RMB -4,463,404,067.36[40] - The net cash flow from investment activities increased dramatically by 1553.63%, amounting to RMB 4,949,799,440.84[43] - The total cash inflow from operating activities was 12,903,260,896.52 RMB, down from 13,691,754,612.77 RMB, reflecting a decrease of approximately 5.7%[102] Shareholder Information - The total number of ordinary shareholders at the end of the reporting period is 89,593[28] - Jiangsu Shagang Group Co., Ltd. holds 8.18% of shares, making it the largest shareholder[28] Regulatory Compliance - The capital adequacy ratio stood at 15.24%, exceeding the regulatory requirement of 10.5%[13] - The core tier 1 capital adequacy ratio is 11.14%, a decrease from 11.94% in December 2018[18] - The total capital adequacy ratio stands at 15.24%, down from 15.65% in December 2018[18] - The bank reported no violations regarding external guarantees or non-operating fund occupation by controlling shareholders during the reporting period[53][54] Operational Efficiency - The bank's operating expenses increased to RMB 705.50 million from RMB 463.13 million, representing a rise of about 52.4%[74] - The bank's total operating expenses for the current period were ¥2,005,271,605.24, up from ¥1,473,606,319.24, an increase of 36.0%[87] Strategic Initiatives - The company actively participates in various initiatives to support local enterprises and enhance credit sustainability[27] - The company has significantly increased its micro-loan balance, focusing on operational loans for small and micro enterprises[24] - The company has completed local inclusive financial household registration work, laying a solid foundation for future village credit services[27]