张家港行(002839) - 2021 Q3 - 季度财报

Financial Performance - Net profit attributable to shareholders was RMB 378.66 million, reflecting a year-on-year growth of 37.89%[4] - Operating income for the quarter was RMB 1.21 billion, up 23.04% from the same period last year[4] - The basic earnings per share increased by 40.00% to RMB 0.21, while diluted earnings per share rose by 38.46% to RMB 0.18[5] - Net profit for the current period reached RMB 999.67 million, up from RMB 768.78 million in the previous period, reflecting a growth of about 30.00%[27] - The net profit attributable to the parent company was approximately CNY 974.99 million, an increase from CNY 767.87 million in the previous period, representing a growth of 27%[28] - The total comprehensive income attributable to the parent company was approximately CNY 1.11 billion, compared to CNY 547.32 million in the previous period, indicating a significant increase[28] - Basic earnings per share rose to CNY 0.54 from CNY 0.42, reflecting a growth of 28.57%[28] Asset and Liability Management - Total assets at the end of the reporting period reached RMB 161.40 billion, an increase of 12.23% compared to the end of the previous year[4] - Total liabilities increased to RMB 147.24 billion, a rise of 11.12% from RMB 132.51 billion at the end of 2020[15] - The adjusted on-balance and off-balance sheet asset balance was RMB 18.83 billion, up from RMB 18.29 billion in June 2021[14] - The leverage ratio stood at 6.93%, slightly down from 6.96% in June 2021, indicating stable capital management[14] - The total liabilities included borrowings from the central bank amounting to RMB 3,357,857,278.10 as of January 1, 2021[33] Loan and Deposit Growth - Customer loans and advances amounted to RMB 97.46 billion, up 14.85% from RMB 84.86 billion at the end of 2020[15] - The bank's loan and advance amounts were RMB 93.52 billion, an increase from RMB 81.98 billion, indicating a growth of approximately 14.25%[25] - The company reported a 23.44% increase in personal loans, reaching RMB 42.72 billion compared to RMB 34.61 billion at the end of 2020[15] - The net increase in customer loans and advances was approximately CNY 12.67 billion, up from CNY 11.52 billion in the previous period[30] - The total customer deposits and interbank deposits increased by CNY 12.75 billion, compared to CNY 13.21 billion in the previous period[30] Risk Management - The non-performing loan ratio improved to 0.94%, down from 1.17% a year earlier[10] - The ratio of non-performing loans was 0.94%, a decrease from 1.17% at the end of 2020, indicating improved asset quality[17] - The bank's non-performing loan ratio remained stable, indicating effective risk management strategies in place[27] Cash Flow Analysis - Cash flow from operating activities showed a significant decline, with a net outflow of RMB 3.91 billion, down 178.01%[5] - The net cash flow from operating activities was negative at approximately CNY -3.91 billion, a decline from CNY 5.02 billion in the previous period[30] - The net cash flow from investment activities was approximately CNY -4.96 billion, worsening from CNY -3.66 billion in the previous period[30] - The net cash flow from financing activities was approximately CNY 6.78 billion, a recovery from CNY -1.56 billion in the previous period[31] - The total net increase in cash and cash equivalents was approximately CNY -2.10 billion, compared to CNY -210.37 million in the previous period[31] Equity and Capital Adequacy - Shareholder equity increased to RMB 14.16 billion, representing a growth of 25.22% compared to RMB 11.31 billion at the end of 2020[15] - The total equity attributable to shareholders reached RMB 14.02 billion, up from RMB 11.21 billion, representing a growth of about 25.10%[26] - The capital adequacy ratio stood at 14.52%, up from 13.75% at the end of the previous year[10] Other Financial Metrics - The weighted average return on equity was 3.17%, an increase of 0.65 percentage points compared to the previous year[5] - The net interest margin for the quarter was 2.21%, a decrease of 32 basis points from the end of the previous year[10] - Interest income increased to RMB 5.25 billion, compared to RMB 4.63 billion in the previous period, marking a rise of approximately 13.41%[27] - The net interest income for the current period was RMB 2.76 billion, compared to RMB 2.69 billion previously, showing a growth of about 2.83%[27] - The bank's financial investments rose to RMB 52.33 billion, compared to RMB 44.33 billion in the previous year, reflecting an increase of approximately 18.06%[25] Miscellaneous - The company reported non-recurring gains of RMB 21.97 million for the quarter, primarily from asset disposals and government subsidies[7] - The number of ordinary shareholders reached 73,274 as of the reporting period[18] - The company holds financial bonds totaling RMB 1.04 billion, with varying interest rates and maturity dates[20] - The company has not audited its third-quarter report for 2021[35] - The company has implemented the new leasing standards starting from 2021, requiring adjustments to the balance sheet[32]