NJBK(SH:601009)2024-04-26 11:26Financial Performance - The total assets of the company reached 2 trillion RMB, with loans exceeding 1 trillion RMB[8]. - The net profit showed steady growth, with a non-performing loan ratio maintained at a low level and a provision coverage ratio remaining high[8]. - The company plans to distribute cash dividends of 5.367 RMB per 10 shares, totaling 5.551 billion RMB, which accounts for 30% of the net profit attributable to shareholders[6]. - Total assets reached CNY 2.29 trillion, an increase of 11.11% year-over-year[12]. - Loan balance stood at CNY 1.10 trillion, growing by 16.19% compared to the previous year[12]. - Deposit balance was CNY 1.37 trillion, reflecting a growth of 10.61% year-over-year[12]. - Operating income amounted to CNY 45.16 billion, with a net profit attributable to shareholders of CNY 18.50 billion[12]. - Non-performing loan ratio was 0.90%, with a provision coverage ratio of 360.58%[12]. - Net profit attributable to shareholders of the listed company was RMB 18,502,084, reflecting a 0.51% increase from RMB 18,408,039 in the previous year[23]. - The net cash flow from operating activities significantly decreased by 62.12%, totaling RMB 37,058,939 compared to RMB 97,820,568 in 2022[23]. Digital Transformation and Technology Investment - The company invested over 1 billion RMB in information technology for two consecutive years, enhancing digital transformation capabilities[9]. - The company aims to enhance digital transformation by implementing 55 scene finance projects throughout the year[14]. - The company has upgraded its retail product offerings, including the personal pension business, to meet regulatory requirements and enhance service efficiency[144]. - The mobile banking version 7.0 has been transformed into a microservice architecture, improving system interaction performance and supporting rapid business iteration[143]. - The company has created a "smart investment and loan manager" platform to connect various stakeholders, facilitating resource matching for equity investment and industrial collaboration[144]. Risk Management and Compliance - The company is focusing on risk management and compliance, implementing an intelligent risk control system to maintain asset quality[9]. - The company has established a comprehensive risk management governance structure, enhancing the clarity of responsibilities across the board, supervisory board, and senior management[147]. - The company has optimized its credit risk management strategy, focusing on policy guidance and constraints, and has set annual credit risk control priorities[148]. - The company has implemented a digital risk control system, enhancing the efficiency of personal housing loan processing through technologies like OCR and facial recognition[149]. - The company has strengthened its legal risk management by improving contract management processes and enhancing litigation management mechanisms[155]. Awards and Recognition - The company received the "Best Transaction Bank" award at the 13th China Trade and Economic Enterprises Most Trusted Financial Service Provider Awards, marking the fourth consecutive year of this honor[20]. - The company was awarded the "2023 Annual Best Digital Transformation Practice Award" at the Financial Digital Development Gold List Awards[21]. - The company's app won the "2023 Annual Digital Financial Innovation Competition Gold Award" from the China Financial Certification Center and China Electronic Banking Network[19]. - The company received multiple awards for its contributions to green finance, including the "Outstanding Contribution Unit in Green Finance" from the Dazhong Securities Journal[20]. Strategic Goals and Future Plans - The company aims to support key areas of the national economy, with significant loan growth in technology innovation, green low-carbon, and advanced manufacturing sectors[9]. - The company plans to optimize its asset-liability structure and expand new business growth points in the upcoming five-year plan[14]. - The company aims to enhance its financial services by focusing on customer and technology themes, and deepening its retail and transaction banking strategies[34]. - The company aims to enhance its financial services by focusing on "five major areas": technology finance, green finance, inclusive finance, pension finance, and digital finance[159]. - The new five-year strategic plan (2024-2028) emphasizes high-quality development and aims to expand the customer base and improve service capabilities[159]. Customer Engagement and Service Improvement - The company emphasizes the importance of agile organizational construction to enhance customer service and operational efficiency[9]. - The company has established a Consumer Rights Protection Department to enhance customer service experience and protect financial consumer rights[125]. - The number of mobile banking app users reached 5.9116 million, a year-on-year increase of 21.39%, with a monthly active rate of 31.58%[134]. - The company has successfully constructed a customer base of 171,230 value clients, an increase of 18,703 clients, with an upward migration rate of 8.23%[117]. - The company launched the N Card Hema co-branded credit card, with a cumulative issuance of over 1.25 million cards[127]. Governance and Board Structure - The board of directors consists of 11 members, including 2 executive directors, 5 non-executive directors, and 4 independent directors, complying with relevant laws and regulations[175]. - The board approved the 2022 annual financial settlement report and the 2023 financial budget during the meetings held on April 28, 2023[177]. - The company has revised its articles of association and related management measures during the shareholders' meeting[174]. - The board's responsibilities include deciding on the company's operational plans and investment strategies, as well as supervising their implementation[176]. - The company operates independently without a controlling shareholder, maintaining complete independence in business, personnel, assets, institutions, and finance[173].