张家港行(002839) - 2022 Q1 - 季度财报

Financial Performance - Net profit attributable to shareholders rose by 29.74% to RMB 433.35 million year-on-year[3] - Operating income grew by 11.80% to RMB 1.20 billion compared to the same period last year[3] - Basic earnings per share increased by 33.33% to RMB 0.24[4] - The net profit attributable to shareholders for the reporting period was RMB 433 million, reflecting a year-on-year growth of 29.74%[20] - Net profit for the current period was ¥440,084,028.53, representing a 28.4% increase compared to ¥342,867,387.30 in the previous period[29] - The total profit amounted to ¥480,716,520.01, which is a 30.0% increase from ¥369,636,239.31 in the prior period[29] Asset and Liability Management - Total assets increased by 6.49% to RMB 175.26 billion compared to the end of the previous year[3] - Total liabilities were RMB 160.23 billion, an increase of 6.81% compared to the previous year-end[13] - The bank's equity attributable to shareholders was RMB 15.03 billion, up 3.21% from the end of 2021[14] - Adjusted on-balance and off-balance sheet asset balance reached RMB 203.83 billion, an increase from RMB 190.07 billion at the end of 2021[12] - The bank's total liabilities were RMB 160.23 billion, up from RMB 150.01 billion, marking an increase of around 6.5%[24] - The bank's equity attributable to shareholders reached RMB 14.88 billion, an increase from RMB 14.42 billion, representing a growth of about 3.2%[24] Loan and Deposit Growth - Total deposits amounted to RMB 128.54 billion, up RMB 7.41 billion or 6.11% from the start of the year[14] - The total loan balance was RMB 106.65 billion, increasing by RMB 6.84 billion or 6.85% year-to-date[13] - Loans and advances issued by the bank totaled RMB 102.06 billion, compared to RMB 95.55 billion in the previous year, reflecting an increase of approximately 6.5%[23] - The net increase in customer loans and advances was ¥6,970,147,139.26, compared to ¥2,982,971,805.83 in the previous period, showing a significant increase[32] - The bank's total deposits increased to RMB 131.58 billion, up from RMB 124.61 billion, reflecting a growth of about 5.0%[24] Risk Management - Non-performing loan ratio improved to 0.94%, down from 0.95%[11] - The non-performing loan ratio stood at 0.94%, slightly down from the beginning of the year, with a provision coverage ratio of 482.33%, up 6.98 percentage points[20] - The bank's non-performing loan ratio remained stable, indicating effective risk management strategies in place[22] Cash Flow and Liquidity - Net cash flow from operating activities decreased by 47.06% to RMB 946.81 million[4] - The bank's liquidity ratio was 76.66%, significantly above the regulatory requirement of 25%[11] - Total cash inflow from operating activities was ¥10,733,988,532.80, compared to ¥13,579,413,410.88 in the previous period, indicating a decrease of 20.0%[32] - Cash and cash equivalents at the end of the period were 2,901,608,435.53, down from 3,242,491,931.03[34] - The net decrease in cash and cash equivalents was -132,140,486.64, compared to -823,806,865.92 in the previous period[34] Strategic Initiatives - The bank is focused on strategic development and has implemented "eight major projects" to enhance operational transformation and support the real economy[20] - The bank plans to expand its market presence through strategic partnerships and new product offerings in the upcoming quarters[22] - The bank is focusing on enhancing its digital banking capabilities to attract a younger customer base and improve user engagement[22] Investment and Income - Investment income rose to ¥219,891,701.89 from ¥155,117,863.71, reflecting an increase of 41.7%[29] - Net interest income was ¥933,539,490.18, up from ¥883,560,575.07, reflecting a growth of 5.7%[29] - Other comprehensive income after tax was ¥27,382,233.87, down from ¥50,544,503.58, a decrease of 45.9%[29]