张家港行(002839) - 2021 Q2 - 季度财报

Financial Performance - Operating income for the first half of 2021 was CNY 2,224,807,488.82, an increase of 4.93% compared to CNY 2,120,224,445.18 in the same period of 2020[23] - Net profit for the first half of 2021 reached CNY 611,160,364.36, representing a 24.07% increase from CNY 492,590,279.25 in the first half of 2020[23] - The net profit attributable to shareholders of the listed company was CNY 596,331,735.77, up 20.90% from CNY 493,251,310.43 in the previous year[23] - Basic earnings per share for the first half of 2021 were CNY 0.33, a 22.22% increase compared to CNY 0.27 in the same period of 2020[23] - The total profit amounted to RMB 616,583,778.56, reflecting a growth of 21.16% compared to RMB 508,882,397.76 in the prior year[53] Assets and Liabilities - Total assets as of June 30, 2021, amounted to CNY 155,927,877,760.06, reflecting an 8.42% increase from CNY 143,817,651,264.21 at the end of 2020[23] - Total liabilities increased by 7.32% to CNY 142.20 billion as of June 30, 2021, compared to CNY 132.51 billion at the end of 2020[90] - Total equity attributable to shareholders of the listed company was CNY 13,593,190,552.38, an increase of 21.31% from CNY 11,205,111,802.25 at the end of 2020[23] Cash Flow - The net cash flow from operating activities was negative at CNY -2,635,475,121.70, a significant decrease compared to CNY 4,581,617,220.72 in the same period of 2020[23] - The bank's net cash flow from operating activities was negative at CNY -2.64 billion for the first half of 2021, compared to a positive CNY 4.58 billion in the same period of 2020[103] Loans and Advances - The total loan and advance principal as of June 30, 2021, was CNY 93.54 billion, an increase of 10.24% from CNY 84.86 billion on December 31, 2020[29] - Personal loans and advances amounted to CNY 40.39 billion, reflecting a growth of 16.71% compared to CNY 34.61 billion at the end of 2020[29] - The bank's loan and advance issuance increased by 9.66% to CNY 89.90 billion, compared to CNY 81.98 billion at the end of 2020[77] Deposits - The bank's total deposits reached CNY 118.97 billion, up by 11.02% from CNY 107.16 billion at the end of 2020[31] - Customer deposits reached CNY 121.92 billion, reflecting an 11.04% increase from CNY 109.79 billion at the end of 2020[93] Non-Performing Loans - The non-performing loan ratio was reported at 0.98%, a decrease from 1.17% at the end of 2020[32] - The non-performing loan ratio decreased to 0.98% from 1.17%, with non-performing loans totaling CNY 920,486,026.31, down by 7.47%[111] Investment Income - The bank's investment income increased by 21.09% to RMB 384,499,376.20, compared to RMB 317,522,762.06 in the previous year[51] - The bank's other operating income, including investment income and other gains, contributed to overall revenue growth[63] Operational Efficiency - The cost-to-income ratio improved to 29.79%, down from 31.27% in 2020, indicating better operational efficiency[32] - The ratio of business and management expenses to operating income rose to 29.79%, up 1.79 percentage points year-on-year[69] Risk Management - The bank's liquidity risk management includes a real-time monitoring system and an emergency response plan for liquidity crises[134] - The bank has implemented measures to strengthen operational risk management, including enhancing internal control processes and employee training[138] Shareholder Information - The total number of shares before the change was 1,807,957,762, with a total of 109,281,997 shares released from restrictions, resulting in a total of 1,807,957,814 shares after the change[186] - The largest shareholder, Jiangsu Shagang Group Co., Ltd., held 147,828,660 shares, representing 8.18% of total shares[196] - The number of shareholders at the end of the reporting period was 76,650[192] Corporate Governance - The company has no significant non-operating fund occupation by controlling shareholders or related parties during the reporting period[155] - The company has maintained a zero-incident record for major lawsuits and arbitrations during the reporting period[161]