江苏江阴农村商业银行股份有限公司 2019 年第一季度报告全文 江苏江阴农村商业银行股份有限公司 Jiangsu Jiangyin Rural Commercial Bank Co.,LTD. （股票代码：002807） 2019 年第一季度报告 2019 年 04 月 1 江苏江阴农村商业银行股份有限公司 2019 年第一季度报告全文 第一节 重要提示 一、本行董事会、监事会及董事、监事、高级管理人员保证季度报告内容的真实、准确、完整，不存 在虚假记载、误导性陈述或者重大遗漏，并承担个别和连带的法律责任。 二、本行于 2019 年 4 月 25 日召开了江苏江阴农村商业银行股份有限公司（以下简称"本行"）第六届董 事会第九次会议，应出席董事 11 名，实到董事 11 名。以现场结合通讯表决的方式审议通过了关于本行《2019 年第一季度报告》的议案。 三、本行董事长孙伟、行长宋萍、主管会计工作负责人王峰及会计机构负责人常惠娟声明：保证季度 报告中财务报告的真实、准确、完整。 四、 本行本季度财务报告未经审计。 2 江苏江阴农村商业银行股份有限公司 2019 年第一季度报告全文 第二节 公司基本情况 一、主要会 ...

江苏江阴农村商业银行股份有限公司 2018 年度报告全文 江苏江阴农村商业银行股份有限公司 Jiangsu Jiangyin Rural Commercial Bank Co.,LTD. （股票代码：002807） 2018 年年度报告 2019 年 3 月 1 江苏江阴农村商业银行股份有限公司 2018 年度报告全文 第一节 重要提示 一、本行董事会、监事会及董事、监事、高级管理人员保证年度报告内容的真实、准确、完整，不存 在虚假记载、误导性陈述或者重大遗漏，并承担个别和连带的法律责任。 二、 本行于 2019 年 3 月 14 日召开了江苏江阴农村商业银行股份有限公司第六届董事会第八次会议， 应出席董事 11 名，实到董事 11 名，以现场结合通讯表决方式审议通过了关于《江苏江阴农村商业银行股 份有限公司 2018 年年度报告及摘要》的议案。 三、本行董事长孙伟、行长任素惠、主管会计工作负责人王峰及会计机构负责人常惠娟声明：保证年 度报告中财务报告的真实、准确、完整。 四、本年度报告所载财务数据及指标按照《企业会计准则》编制，除特别说明外，均为本行及控股子 公司的合并报表数据，货币单位以人民币列示。 五、 ...

江苏江阴农村商业银行股份有限公司 2018 年第三季度报告全文 江苏江阴农村商业银行股份有限公司 Jiangsu Jiangyin Rural Commercial Bank Co.,LTD. （股票代码：002807） 2018 年第三季度报告 2018-052 2018 年 10 月 1 江苏江阴农村商业银行股份有限公司 2018 年第三季度报告全文 单位：人民币千元 第一节 重要提示 一、本行董事会、监事会及董事、监事、高级管理人员保证季度报告内容的真实、准确、完整，不存 在虚假记载、误导性陈述或者重大遗漏，并承担个别和连带的法律责任。 二、本行于 2018 年 10 月 25 日召开了江苏江阴农村商业银行股份有限公司（以下简称"本行"）第六届 董事会第七次会议，应出席董事 11 名，实到董事 11 名。以现场结合通讯表决的方式审议通过了关于本行 《2018 年第三季度报告》的议案。 三、本行董事长孙伟、行长任素惠、主管会计工作负责人王峰及会计机构负责人常惠娟声明：保证季 度报告中财务报告的真实、准确、完整。 四、 本行本季度财务报告未经审计。 第二节 公司基本情况 一、主要会计数据和财务指标 1、公司 ...

Financial Performance - The total operating income for the first half of 2018 was RMB 1,396,088,000, representing an increase of 18.84% compared to RMB 1,174,780,000 in the same period last year[18]. - The net profit attributable to shareholders of the listed company was RMB 367,500,000, up 4.27% from RMB 352,437,000 year-on-year[18]. - The net profit attributable to shareholders after deducting non-recurring gains and losses was RMB 401,985,000, reflecting a 14.09% increase from RMB 352,329,000 in the previous year[18]. - The basic earnings per share for the first half of 2018 were RMB 0.2079, a 4.26% increase from RMB 0.1994 in the same period last year[18]. - The total comprehensive income for the first half of 2018 was RMB 376,447 thousand, significantly higher than RMB 182,660 thousand in the first half of 2017, representing a growth of 106.5%[185]. - The net profit for the first half of 2018 was RMB 326,380 thousand, a decrease of 4.1% compared to RMB 340,593 thousand in the same period of 2017[185]. Assets and Liabilities - The total assets at the end of the reporting period were RMB 110,892,850,000, a 1.36% increase from RMB 109,402,787,000 at the end of the previous year[18]. - The total liabilities as of June 30, 2018, amounted to CNY 100.94 billion, a slight increase from CNY 100.05 billion as of December 31, 2017[74]. - The total equity attributable to shareholders increased to CNY 9.80 billion as of June 30, 2018, from CNY 9.15 billion as of December 31, 2017[80]. - The asset-liability ratio decreased to 91.02% from 91.45% year-over-year, indicating a reduction of 0.43%[171]. - The bank's total assets reached RMB 116.42 billion as of June 30, 2018, with a leverage ratio of 8.46%[32]. Cash Flow - The net cash flow from operating activities was negative RMB 7,146,195,000, a significant decline compared to RMB 802,111,000 in the same period last year, indicating cash flow challenges[18]. - The cash and cash equivalents net increase for the first half of 2018 was -1,452,042 thousand RMB, an improvement of 43.05% compared to -2,549,688 thousand RMB in the same period last year[84]. - The net cash flow from financing activities was 4,148,862 thousand RMB, a significant improvement compared to -2,715,472 thousand RMB in the same period last year[84]. Loans and Deposits - The total deposits as of June 30, 2018, were RMB 79,992,892,000, compared to RMB 79,307,913,000 at the end of 2017, showing a growth in deposits[24]. - The total loans as of June 30, 2018, amounted to RMB 59,808,303,000, an increase from RMB 55,853,493,000 at the end of 2017[24]. - The total amount of loans and advances reached RMB 59.81 billion, compared to RMB 55.85 billion at the end of 2017, representing an increase of 7.00%[62]. - The bank's non-performing loan ratio improved to 2.29% from 2.39% in 2017, remaining well below the regulatory limit of 5%[33]. Risk Management - The bank's credit risk management policies and processes are under continuous improvement, although there is no guarantee that they are free from defects[105]. - The bank faces market risks primarily from interest rate and exchange rate fluctuations, which can affect the value of on-balance-sheet and off-balance-sheet items[117]. - The bank has strengthened its risk management and internal control policies to enhance its risk management capabilities and internal audit levels[121]. Capital and Funding - The capital adequacy ratio increased to 15.52% as of June 30, 2018, up from 14.14% in 2017, exceeding the regulatory standard of 10.5%[33]. - The bank successfully issued convertible bonds worth 2 billion RMB in January 2018, enhancing its core tier 1 capital and capital adequacy ratio[42]. - The company issued CNY 2 billion in convertible bonds during the current period, leading to a 124.94% increase in bonds payable to CNY 7.31 billion[79]. Shareholder Information - The total number of shares before the recent change was 1,767,354,347, with 59.36% being restricted shares[152]. - The top 10 shareholders hold a combined total of 30.82% of the company's shares, with Jiangyin Changjiang Investment Group holding 4.36%[156]. - The company has 76,133 common stock shareholders at the end of the reporting period[156]. Social Responsibility - The company reported a total of 318,000 yuan in new agricultural loans issued to 13 households in impoverished areas during the first half of 2018[143]. - The company allocated 1,943,000 yuan for poverty alleviation efforts in the first half of 2018[144]. - The company is committed to reducing the cost of financial poverty alleviation loans through interest rate discounts and optimizing loan evaluation[142].

Financial Performance - The company's operating revenue for Q1 2018 was RMB 623,947,000, representing a 12.95% increase compared to RMB 552,397,000 in the same period last year[7] - Net profit for the quarter was RMB 186,752,000, up 4.61% from RMB 178,519,000 year-over-year[7] - The company reported a basic earnings per share of RMB 0.1036, reflecting a 4.75% increase from RMB 0.0989 in the same quarter last year[7] - The weighted average return on equity was 1.98%, a slight decrease from 1.99% year-over-year[7] - The estimated net profit for H1 2018 is projected to range from 33,481.52 to 38,768.08, reflecting a change of -5% to 10% compared to H1 2017[39] - The net profit for H1 2017 was 35,243.71, indicating stable performance for the company[39] Asset and Liability Management - Total assets at the end of Q1 2018 reached RMB 112,802,063,000, a 3.11% increase from RMB 109,402,787,000 at the end of the previous year[7] - The total amount of deposits as of March 31, 2018, was RMB 79,652,854,000, slightly up from RMB 79,307,913,000 at the end of 2017[9] - The total loan amount increased to RMB 57,826,042,000 from RMB 55,853,493,000, indicating growth in lending activities[10] - The company's other liabilities increased by 47.79% to RMB 249,127 thousand, reflecting a rise in funds clearing[31] Risk Management - The non-performing loan ratio was reported at 2.37%, a slight improvement from 2.39% in the previous year[14] - The capital adequacy ratio stood at 15.11%, exceeding the regulatory requirement of 10.5%[13] - Non-performing loan reduction efforts yielded significant results, enhancing overall risk management and control measures[23] - The company has implemented a comprehensive risk management strategy, focusing on low-risk, high-yield sectors such as agriculture and green economy[23] Investment and Cash Flow - Investment income rose by 107.84% year-on-year, reaching RMB 101,621 thousand, attributed to increased fund dividends[33] - Operating cash inflow for Q1 2018 was 3,204,434, a decrease of 6.94% compared to Q1 2017[36] - Net cash flow from operating activities for Q1 2018 was 248,024, down 17.97% year-over-year[36] - Investment cash inflow increased by 28.98% to 19,132,756 in Q1 2018 compared to Q1 2017[36] - Net cash flow from investment activities for Q1 2018 was -3,456,949, a significant decline of 222.47% year-over-year[36] - Cash inflow from financing activities surged by 208.27% to 7,860,223 in Q1 2018 compared to Q1 2017[36] - The net increase in cash and cash equivalents for Q1 2018 was -1,925,070, a decrease of 222.64% compared to Q1 2017[36] Shareholder and Governance - The total number of ordinary shareholders at the end of the reporting period was 83,401, indicating a stable shareholder base[25] - The company reported no overdue commitments from shareholders or related parties during the reporting period[37] - There were no violations regarding external guarantees during the reporting period[42] - The company has strengthened its internal control and compliance culture, promoting a robust governance framework[23] Product and Service Innovation - The company maintained a liquidity ratio of 52.56%, well above the regulatory minimum of 25%[14] - The company's deposits increased steadily, with a focus on supporting agriculture and small enterprises, leading to effective credit allocation and product innovation[21] - The company introduced new financial products tailored to customer needs, enhancing its service offerings[23]

Financial Performance - The total operating income for 2017 was RMB 2,506,809 thousand, representing a 1.53% increase from RMB 2,468,937 thousand in 2016[19] - The net profit attributable to shareholders for 2017 was RMB 808,450 thousand, up 3.92% from RMB 777,926 thousand in 2016[19] - The net profit attributable to shareholders after deducting non-recurring gains and losses was RMB 840,658 thousand, a 9.66% increase from RMB 766,598 thousand in 2016[19] - The basic earnings per share for 2017 was RMB 0.4574, a decrease of 4.29% compared to RMB 0.4779 in 2016[19] - The diluted earnings per share also stood at RMB 0.4574, reflecting the same decrease of 4.29% from the previous year[19] - The weighted average return on equity for 2017 was 9.10%, down by 0.82 percentage points from 9.92% in 2016[19] - The total profit decreased by 7.35% to CNY 772.08 million, influenced by a significant rise in non-operating expenses[66] Cash Flow and Assets - The net cash flow from operating activities decreased significantly by 64.99% to RMB 2,033,820 thousand from RMB 5,809,309 thousand in 2016[19] - The total assets at the end of 2017 reached RMB 109,402,787 thousand, marking a 5.11% increase from RMB 104,084,887 thousand at the end of 2016[19] - The bank's total assets reached RMB 115.65 billion by the end of 2017, showing a solid asset base[40] - The bank's cash and cash equivalents decreased by 72.81% to a net decrease of RMB 503.48 million in 2017[81] - The bank's total assets increased, with average interest-earning assets yielding a higher return due to strategic investments in money market and bond funds[70] Loans and Deposits - Total deposits reached RMB 79.31 billion in 2017, an increase from RMB 73.64 billion in 2016, representing a growth of approximately 7.3%[31] - Total loans amounted to RMB 55.85 billion in 2017, up from RMB 52.53 billion in 2016, indicating a growth of about 6.4%[32] - The proportion of loans to small and micro enterprises increased, reflecting the bank's strategy to enhance support for this sector[85] Risk Management - The capital adequacy ratio stood at 14.14% in 2017, exceeding the regulatory requirement of 10.5%[33] - The non-performing loan ratio was 2.39% in 2017, slightly improved from 2.41% in 2016, remaining below the regulatory limit of 5%[33] - The bank has strengthened compliance management and risk control, achieving significant results in reducing non-performing loans[58] - The bank's risk management system is designed to prevent various operational risks, maintaining a strong asset quality with a good provision coverage ratio[148] Corporate Governance and Strategy - The bank's management team is characterized by professionalism and rich experience, contributing to a well-structured corporate governance mechanism[53] - The bank is committed to becoming a leading public bank with refined management and governance, focusing on inclusive finance and technological innovation[149] - The bank's future development strategy includes deepening supply-side structural reforms and achieving sustainable growth[146] Dividend Policy - The company plans to distribute a cash dividend of RMB 1.00 per 10 shares to all shareholders based on the total share capital at the end of 2017[4] - The cash dividend payout ratio is expected to remain at a minimum of 20% during significant capital expenditure phases[161] - In 2017, the company distributed cash dividends totaling RMB 176,735,434.70, which represents 21.86% of the net profit attributable to shareholders of RMB 808,449,717.00[160] Social Responsibility - The bank has actively integrated social responsibility into its business operations, focusing on community service and financial inclusion[188] - The bank issued new agricultural loans to 11 households in impoverished areas, totaling CNY 3.43 million, and provided 265 loans supporting laid-off workers' entrepreneurship, amounting to CNY 36.79 million[192] - The bank's total investment in poverty alleviation efforts reached CNY 4.034 million during the year[193] Legal and Compliance - The company reported a significant legal dispute involving a subsidiary, with a claim amounting to approximately CNY 50.46 million, which is expected to impact financial liabilities[175] - The company has not reported any major litigation or arbitration matters aside from the aforementioned legal dispute, maintaining a focus on operational stability[175] - The company has not faced any situations that would lead to suspension or termination of its stock listing, indicating compliance with listing requirements[173]

Financial Performance - Net profit attributable to shareholders rose by 7.66% to CNY 159,862 thousand for the reporting period[5] - Operating income decreased by 9.26% to CNY 602,150 thousand compared to the same period last year[5] - Basic earnings per share decreased by 0.77% to CNY 0.0905[5] - The bank's net profit attributable to shareholders is expected to be positive for the year 2017, indicating no turnaround situation[31] - The net profit attributable to shareholders for 2017 is expected to range from 739.03 million to 816.83 million RMB, reflecting a change of -5% to 5% compared to 2016's net profit of 777.93 million RMB[32] Asset and Liability Management - Total assets increased by 3.10% to CNY 107,306,532 thousand compared to the end of the previous year[5] - Total deposits reached CNY 78,395,122 thousand, up from CNY 73,641,400 thousand at the end of 2016[7] - Total loans and advances amounted to CNY 54,901,286 thousand, an increase from CNY 52,526,116 thousand at the end of 2016[7] - The non-performing loan ratio stood at 2.42%, slightly up from 2.41% at the end of the previous year[11] - The capital adequacy ratio decreased to 13.11% from 14.18% at the end of 2016[14] - The loan loss provision increased to CNY 2,597,426 thousand from CNY 2,153,751 thousand at the end of 2016[7] - The bank's total liabilities from interbank borrowing increased significantly by 2416.96% to RMB 873,006,000[27] Cash Flow - The net cash flow from operating activities dropped by 47.38% to CNY 2,093,261 thousand compared to the same period last year[5] - The net cash flow from operating activities decreased by 50.40% to RMB 3,030,467,000 due to increased loan scale and decreased interbank borrowing[30] - The bank's investment activities generated a net cash flow of RMB 6,387,587,000, a significant improvement compared to the previous year[30] Financial Products and Innovation - The bank introduced new financial products such as "Jin Furong Supreme Exclusive Wealth Management" and "Agricultural Insurance Loan" to innovate based on market demand[27] Compliance and Governance - The bank's compliance operations and internal audits have been strengthened to ensure stable development[27] - There were no instances of non-compliance with external guarantees during the reporting period[35] - There were no non-operational fund occupations by controlling shareholders or their affiliates during the reporting period[36] Shareholder Information - The total number of ordinary shareholders at the end of the reporting period is 89,194[21] - The proportion of shares held by the top shareholder, Jiangyin Changjiang Investment Group Co., Ltd., is 4.36%, with 77,023,750 shares pledged[22] Financial Position Changes - The bank's total assets under management saw a structural adjustment, leading to a 71.13% decrease in financial assets measured at fair value[27] - The fair value of financial assets measured at fair value as of December 31, 2016, was 1,998.75 million RMB, with a fair value change of 2.31 million RMB in the current period, resulting in a total of 576.99 million RMB as of September 30, 2017[34] - The total amount of available-for-sale financial assets (bonds) decreased from 16,034.43 million RMB to 14,638.12 million RMB, with a reduction of 15.67 million RMB in impairment for the current period[34] - The total financial assets measured at fair value decreased from 18,033.18 million RMB to 15,215.11 million RMB, indicating a significant change in the financial position[34] Investor Relations - The company conducted multiple investor activities, including site visits on January 18, January 19, and May 16, 2017, to enhance communication with institutional investors[37]

江苏江阴农村商业银行股份有限公司 Jiangsu Jiangyin Rural Commercial Bank Co.,LTD. （股票代码：002807） 江苏江阴农村商业银行股份有限公司 2017 年半年度报告全文 2017 年半年度报告 2017 年 8 月 1 江苏江阴农村商业银行股份有限公司 2017 年半年度报告全文 第一节 重要提示 一、本行董事会、监事会及董事、监事、高级管理人员保证半年度报告内容的真实、准确、完整，不 存在虚假记载、误导性陈述或者重大遗漏，并承担个别和连带的法律责任。 二、 本行于 2017 年 8 月 25 日召开了江苏江阴农村商业银行股份有限公司第六届董事会第二次会议， 应出席董事 11 名，实到董事 11 名，以现场表决的方式审议通过了关于《江苏江阴农村商业银行股份有限 公司 2017 年半年度报告及摘要》的议案。 三、本行董事长孙伟、行长任素惠、主管会计工作负责人王峰及会计机构负责人常惠娟声明：保证半 年度报告中财务报告的真实、准确、完整。 四、本半年度报告所载财务数据及指标按照《企业会计准则》编制，除特别说明外，均为本行及控股 子公司的合并报表数据，货币单位以人民币 ...

Financial Performance - Total revenue for Q1 2017 was RMB 550,765,000, a decrease of 8.34% compared to RMB 600,880,000 in the same period last year[6] - Net profit for Q1 2017 was RMB 178,519,000, representing a slight increase of 0.81% from RMB 177,078,000 year-on-year[6] - The net profit attributable to shareholders decreased by 1.16% to RMB 174,733,000 from RMB 176,790,000 in the previous year[6] - Interest income decreased by 13.34% to RMB 484,011,000 compared to RMB 558,520,000 in Q1 2016[15] - Investment income surged by 104.66% to RMB 48,893,000 from RMB 23,890,000 year-on-year[15] - The net profit attributable to shareholders for the first half of 2017 is expected to range from 343.66 million RMB to 379.84 million RMB, reflecting a change of -5% to 5% compared to the same period in 2016[35] - The net profit for the first half of 2016 was 361.75 million RMB, indicating stable performance in the industry[35] Cash Flow and Operating Activities - The net cash flow from operating activities significantly dropped by 90.71% to RMB 302,339,000 compared to RMB 3,254,194,000 in the same period last year[6] - Operating income from non-operating activities fell by 90.99% to 1,686.12 million RMB, mainly due to a reduction in government subsidies received[34] Assets and Liabilities - Total deposits increased to RMB 75,741,650,000 as of March 31, 2017, up from RMB 73,641,400,000 at the end of 2016[9] - Total loans reached RMB 53,717,204,000, an increase from RMB 52,526,115,000 at the end of 2016[9] - The total assets of the bank increased to 53,717,204 thousand RMB, up from 52,526,116 thousand RMB, indicating a stable growth in business operations[22] - The bank's total liabilities decreased by 37.73% for payable bonds, reflecting a higher redemption rate of interbank certificates[32] Risk Management and Compliance - The bank's risk control measures were effective, with a focus on credit risk management and improving asset quality through various recovery strategies[24] - The bank's compliance and risk prevention measures were strengthened through enhanced internal audits and employee training[24] Shareholder Information - The number of ordinary shareholders reached 59,149, with the top ten shareholders holding a combined 40.77% of the shares[26] Financial Products and Innovation - The bank launched several new financial products, including "Furong·Anying" and "Green Energy Loan," to meet market demand and enhance innovation[24] Other Financial Metrics - The capital adequacy ratio stood at 13.87%, down from 14.18% at the end of 2016[13] - The non-performing loan ratio remained stable at 2.41%[13] - The bank's interbank and other financial institution borrowings increased significantly by 924.06% to 355,194 thousand RMB, indicating a strategic shift in funding sources[32] - The bank's other assets increased by 124.35% to 191,928 thousand RMB, primarily due to an increase in receivables[32] - Commission and fee expenses increased by 54.68% to 4,784.66 million RMB due to increased settlement business volume[34] - Exchange gains surged by 317.88% to 1,967.57 million RMB, primarily due to currency appreciation[34] - Tax expenses decreased by 75.88% to 6,361.32 million RMB following the cancellation of business tax due to tax reform[34] - Fair value of financial assets measured at fair value through profit or loss increased to 2,021.66 million RMB as of March 31, 2017, from 1,998.75 million RMB at the end of 2016[37] - The total fair value of available-for-sale financial assets decreased to 6,837.26 million RMB from 13,044.43 million RMB, reflecting a fair value change of -88,440 thousand RMB[37] - There were no violations regarding external guarantees or non-operating fund occupation by controlling shareholders during the reporting period[38][39]

江苏江阴农村商业银行股份有限公司 2016 年度报告全文 江苏江阴农村商业银行股份有限公司 Jiangsu Jiangyin Rural Commercial Bank Co.,LTD. （股票代码：002807） 2016 年度报告 2017 年 3 月 1 江苏江阴农村商业银行股份有限公司 2016 年度报告全文 第一节 重要提示 一、本行董事会、监事会及董事、监事、高级管理人员保证年度报告内容的真实、准确、完整，不存 在虚假记载、误导性陈述或者重大遗漏，并承担个别和连带的法律责任。 二、 本行于 2017 年 3 月 13 日召开了江苏江阴农村商业银行股份有限公司第五届董事会第十一次会 议，应出席董事 11 名，实到董事 11 名，以现场表决的方式审议通过了关于《江苏江阴农村商业银行股份 有限公司 2016 年度报告及摘要》的议案。 三、本行董事长孙伟、行长任素惠、主管会计工作负责人王峰及会计机构负责人常惠娟声明：保证年 度报告中财务报告的真实、准确、完整。 四、本年度报告所载财务数据及指标按照《企业会计准则》编制，除特别说明外，均为本行及控股子 公司的合并报表数据，货币单位以人民币列示。 五、信永中和 ...