张家港行(002839) - 2022 Q3 - 季度财报

Financial Performance - Net profit attributable to shareholders for the quarter was RMB 506.58 million, representing a year-on-year increase of 33.78%[4] - Basic earnings per share for the quarter increased to RMB 0.23, a rise of 27.78% compared to the previous year[5] - The weighted average return on equity rose to 3.80%, an increase of 0.63 percentage points from the previous year[5] - Net profit attributable to shareholders reached RMB 1.268 billion, reflecting a year-on-year growth of 30.10%[26] - The net profit for the current period is CNY 1,285,283,692.53, an increase from CNY 999,668,009.69 in the previous period, representing a growth of approximately 28.7%[37] - The total comprehensive income attributable to the parent company's owners is CNY 1,414,912,695.22, compared to CNY 1,105,855,094.17 in the previous period, reflecting an increase of about 27.9%[39] Revenue and Income - Operating income for the quarter was RMB 1.32 billion, up 9.41% from the same period last year[4] - Net commission and fee income increased by 53.91% to ¥17,638,466.39 compared to ¥11,459,958.64 in the same period last year, primarily due to increased fees from bank card services[13] - Net interest income for the period was RMB 2.92 billion, up from RMB 2.76 billion in the previous period, reflecting an increase of about 5.2%[36] - Total operating income for the current period was RMB 3.67 billion, compared to RMB 3.43 billion in the prior period, indicating a growth of approximately 7.0%[36] - The bank's interest income rose to RMB 5.77 billion, compared to RMB 5.25 billion in the previous period, representing an increase of about 9.9%[36] Assets and Liabilities - Total assets at the end of the reporting period reached RMB 184.82 billion, an increase of 12.30% compared to the end of the previous year[4] - The total number of shares outstanding as of the last trading day before disclosure was 2,169,649,302 shares[6] - The company reported a significant increase in other debt investments, which rose by 31.33% to RMB 34.08 billion compared to the end of the previous year[12] - Total liabilities increased by 12.80% to ¥169,213,355,928.27 from ¥150,012,862,359.34[18] - The bank's total liabilities amounted to RMB 169.21 billion, an increase from RMB 150.01 billion in the previous year, marking a rise of around 12.8%[35] Customer and Loan Metrics - Customer loans and advances rose by 12.96% to ¥112,757,182,292.89 from ¥99,816,806,670.03[18] - Total loan balance was RMB 112.76 billion, up by RMB 12.94 billion or 12.96% since the beginning of the year[26] - The number of loan customers increased to 380,400, a growth of 44.79% year-to-date[26] - The company has a total of 38,040 corporate loan customers, with a growth of 39.30% year-to-date[26] Cash Flow - Cash flow from operating activities for the year-to-date period reached RMB 6.72 billion[5] - The net cash flow from operating activities for the current period is CNY 6,724,199,333.46, a significant improvement from a negative CNY 3,914,821,700.20 in the previous period[40] - The net cash flow from investment activities shows a negative CNY 8,356,966,779.36, worsening from a negative CNY 4,956,161,068.46 in the previous period[41] - The net cash flow from financing activities is CNY 2,036,406,603.78, down from CNY 6,784,068,520.74 in the previous period, indicating a decrease of approximately 70%[41] Risk and Quality Metrics - The non-performing loan ratio was 0.90%, a slight improvement from 0.95% in the previous year[14] - The provision coverage ratio improved to 541.02%, an increase of 65.67 percentage points year-to-date[26] - The bank's non-performing loan ratio remained stable, indicating effective risk management strategies in place[36] Future Outlook - Future outlook includes continued focus on expanding market presence and enhancing product offerings to drive growth[36] - The company’s strategy focuses on high-quality development and expanding its customer base in the regional economy[25]