张家港行(002839) - 2024 Q1 - 季度财报

Financial Performance - Net profit attributable to shareholders rose by 7.08% to RMB 544.85 million year-on-year[6] - Operating income grew by 7.59% to RMB 1.28 billion compared to the same period last year[6] - Investment income surged by 201.66% to RMB 308.89 million year-on-year, driven by increased trading profits from bond sales[13] - The company's diluted earnings per share increased by 5.00% to RMB 0.21 compared to the same period last year[7] - The total profit for the current period was ¥618,646,108.44, up 8.3% from ¥571,301,925.16 in the previous period[35] - Net profit attributable to the parent company was ¥544,849,690.84, an increase of 7.1% compared to ¥508,825,194.60[36] Asset and Liability Management - Total assets increased by 4.51% to RMB 216.46 billion compared to the end of the previous year[6] - Total liabilities increased by 4.63% to approximately RMB 198.71 billion as of March 31, 2024, from RMB 189.92 billion at the end of 2023[20] - Customer loans and advances increased by 5.25% to approximately RMB 133.77 billion as of March 31, 2024, from RMB 127.10 billion at the end of 2023[20] - Deposits amounted to RMB 168.65 billion, growing by RMB 12.09 billion or 7.73% year-to-date[27] Cash Flow Analysis - Net cash flow from operating activities decreased by 48.99% to RMB 1.74 billion[6] - The net cash flow from operating activities was ¥1,739,892,974.19, down 48.9% from ¥3,410,709,114.98[39] - The net cash flow from investing activities was ¥1,992,965,146.82, a turnaround from a negative cash flow of ¥2,650,968,680.27 in the previous period[39] - The net cash flow from financing activities was negative at -¥4,819,724,163.84, compared to -¥1,306,228,093.85 previously[39] Risk and Capital Adequacy - The non-performing loan ratio is 0.93% as of March 31, 2024, slightly improved from 0.94% on December 31, 2023, and 0.89% on December 31, 2022[14] - The coverage ratio for provisions is 413.11% as of March 31, 2024, down from 424.23% on December 31, 2023, and significantly higher than the regulatory requirement of 150%[14] - The bank's leverage ratio is 6.32% as of March 31, 2024, slightly down from 6.33% on December 31, 2023[19] - The bank's core tier one capital adequacy ratio is 9.37% as of March 31, 2024, compared to 9.76% on December 31, 2023[16] Other Income and Expenses - The company reported a 64.28% decline in net commission income, primarily due to reduced agency service fees[13] - Other income from government subsidies rose by 65.89% to RMB 12.53 million, reflecting increased support[13] - The bank's cash and deposits with central banks amounted to RMB 8.99 billion, down from RMB 10.14 billion at the end of the previous quarter[32] - Net interest income decreased to ¥907,866,756.62 from ¥991,001,510.99, reflecting a decline of 8.4%[35] - The total comprehensive income for the current period was ¥542,938,628.93, down from ¥621,556,746.33[36]