张家港行(002839) - 2021 Q1 - 季度财报

Financial Performance - Total operating income for Q1 2021 was CNY 1,072,830,018.09, an increase of 6.73% compared to CNY 1,005,172,788.50 in the same period last year[8] - Net profit attributable to shareholders was CNY 334,021,214.12, representing a 14.20% increase from CNY 292,499,592.81 year-on-year[8] - Net profit after deducting non-recurring gains and losses was CNY 334,475,469.07, up 19.51% from CNY 279,883,252.02 in the previous year[8] - The bank's basic earnings per share increased by 12.50% to CNY 0.18 from CNY 0.16 in the same period last year[8] - Net profit for the current period reached CNY 342,867,387.30, up from CNY 293,150,566.95, indicating a year-over-year increase of about 16.9%[76] - Total profit amounted to RMB 344,287,308.83, up from RMB 312,482,587.31, indicating an increase of approximately 10.2%[84] - Net profit for the period was RMB 320,369,394.66, compared to RMB 290,238,268.29 in the previous period, marking a growth of around 10.4%[84] Assets and Liabilities - Total assets as of March 31, 2021, were CNY 148,423,768,564.12, a 3.20% increase from CNY 143,817,651,264.21 at the end of the previous year[9] - Customer loans and advances amounted to CNY 87,896,394,486.30, reflecting a 3.58% increase from CNY 84,855,628,516.34 at the end of 2020[9] - Total liabilities increased by 3.17% to CNY 136,708,668,272.57 from CNY 132,508,113,122.02 year-on-year[12] - The bank's total liabilities reached RMB 134,435,607,588.95, compared to RMB 130,252,783,215.69, marking an increase of approximately 3.3%[72] - The bank's total equity attributable to shareholders was RMB 11.59 billion, compared to RMB 11.20 billion at the end of 2020, marking a growth of around 3.5%[65] Cash Flow - Net cash flow from operating activities decreased by 61.26% to CNY 1,788,502,855.82 from CNY 4,616,597,506.72 in the same period last year[8] - Cash flow from operating activities totaled RMB 13,579,413,410.88, an increase from RMB 10,182,143,800.08, representing a growth of approximately 33.5%[91] - The net cash flow from financing activities was 247,525,315.54 RMB, compared to a negative cash flow of -1,385,158,120.05 RMB in the previous period[95] - The net cash flow from investment activities was -2,876,315,040.06 RMB, compared to -3,019,610,015.76 RMB in the previous period[99] Capital Adequacy and Ratios - The bank's capital adequacy ratio was 13.18%, above the regulatory requirement of 10.5%[13] - The core tier one capital adequacy ratio is 9.92% as of March 31, 2021, down from 10.35% at the end of 2020[18] - The total capital adequacy ratio stands at 13.18% as of March 31, 2021, compared to 13.75% at the end of 2020[18] - The leverage ratio is 6.2% as of March 31, 2021, slightly down from 6.28% at the end of 2020[21] Loan and Deposit Activities - The total loans classified as normal amount to RMB 8,544,532.15 million, representing 97.21% of total loans as of March 31, 2021[22] - The bank has increased its focus on supporting small and micro enterprises, with over 90% of its loan portfolio directed towards these sectors[23] - The bank's total deposits increased to RMB 118.67 billion from RMB 109.79 billion, representing a growth of about 8.0%[61] - The net increase in customer loans and advances was RMB 2,982,971,805.83, compared to RMB 2,686,492,523.49 in the previous period, representing a growth of approximately 11%[91] Income and Expenses - The bank's investment income increased by 94.59% year-on-year to RMB 155,117,863.71 in Q1 2021, attributed to higher investment returns compared to the same period last year[39] - The bank's commission income rose by 69.13% to RMB 59,516,332.71, primarily due to increased agency service fees[39] - The bank's other business income surged by 612.29% to RMB 2,710,411.23, attributed to higher leasing income[39] - The bank's total operating expenses were RMB 688,612,597.59, compared to RMB 665,245,320.50, indicating a slight increase of about 3.5%[84] Shareholder Information - The total number of ordinary shareholders is 80,680, with the top ten shareholders holding significant stakes[28] - Jiangsu Shagang Group Co., Ltd. is the largest shareholder, holding 8.18% of the shares[28] Digital Transformation and Innovation - The bank is actively implementing a retail transformation strategy, enhancing its core competitiveness and expanding its service offerings[24] - The bank is advancing its digital transformation efforts to improve customer service experiences[24] - The bank has introduced innovative online products and services to enhance customer engagement and operational efficiency[26]