BANK of JIANGSU CO., LTD.Annual Report 2015
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BANK OF JIANGSU CO., LTD.Annual Report 2015 Address:No. 26, Zhonghua Road, Nanjing, Jiangsu Province, China PC:210001 Tel:025-58587122 Web:http://www.jsbchina.cn Copyright of this annual report is reserved by Bank of Jiangsu, and this report cannot be reprinted or reproduced without getting permission. Welcome your opinions and suggestions on this report. Important Notice I. Board of Directors, Board of Supervisors as well as directors, supervisors and senior administrative officers of the Company warrant that there are no false representations or misleading statements contained in this report, and severally and jointly take responsibility for authenticity, accuracy and completeness of the information contained in this report. II. The report was deliberated and approved in the 19th board meeting of the Third Board of Directors on February 1, 2016. III. Except otherwise noted, financial data and indexes set forth in the Annual Report are consolidated financial data of Bank of Jiangsu Co., Ltd., its subsidiary corporation Jiangsu Danyang Baode Rural Bank Co., Ltd. and Suxing Financial Leasing Co., Ltd. IV. Annual financial report of the Company was audited by BDO China Shu Lun Pan Certified Accountants LLP, and the auditor issued an unqualified opinion. V. Xia Ping, legal representative of the Company, Ji Ming, person in charge of accounting work, and Luo Feng, director of the accounting unit, warrant the authenticity, accuracy and integrality of the financial report in the Annual Report. Signatures of directors: Xia Ping Ji Ming Zhu Qilon Gu Xian Hu Jun Wang Weihong Jiang Jian Tang Jinsong Shen Bin Du Wenyi Gu Yingbin Liu Yuhui Yan Yan Yu Chen Yang Tingdong Message from the Chairman and service innovation, made great efforts to risk prevention and control, promoted endogenous growth, improved service efficiency and made outstanding achievements. The Bank took the lead in offering the online loan product “Shui e Rong”, creating a new mode for providing batched online In 2015, on facing the “New Normal” of economy and finance, Bank of Jiangsu has deepened service to small and micro businesses. The balance of loan to SMEs was RMB226.5 billion, an increase strategy transformation, promoted service innovation and provided vigorous support to real economy of 20.9%. The Bank had achieved the goal of “three no less than” (the growth of agriculture-related development under leadership of the provincial Party Committee and Government as well as guidance loans shall be no less than the previous year, the increase rate of agriculture-related loans shall be and assistance from the People’s Bank of China and government regulator. By the end of 2015, the no less than that of other loans and the proportion of agriculture-related loans shall be no less than total assets of the Bank had reached RMB1,290.3 billion, an increase of 24%; the balance of various the goal defined in the previous year). For SMEs loan less than RMB 5 million per customer, the Bank deposits had reached RMB776.4 billion, an increase of 14%; the balance of various loans had reached continuously occupied the largest market share compared to other banks who offered the same RMB561.8 billion, an increase of 15%. In the whole year, the Bank had realized net profit of RMB9,505 product in Jiangsu Province. The financial loan for science and technology increase by 31.42% over million, an increase of 9.26%, with all supervision indexes retained steady. The capital adequacy ratio, the beginning of the year; wherein, through “Jiangsu loan for science and technology”, the Bank the liquidity ratio of Renminbi and foreign currency and the provision coverage were 11.54%, 57.35% accumulatively provided RMB 11 billion for 2,200 scientific and technological enterprises, the first ranking in market place of Jiangsu Province. The balance of agriculture-related loan reached RMB and 192.06% respectively. As ranked by a UK magazine The Banker, the Bank of Jiangsu took the 117.8 billion. The numbers of online and mobile banking customers both exceeded 2 million. The 136th position among all banks in the world, increased by 17 over the previous year. Moreover, the managed assets of online banking exceeded RMB 16 billion with asset size ranking the first among Bank was rated as “Advanced banking institution in financial service for small and medium-sized city commercial banks; the number of customer of mobile banking took the first place among all city enterprises in China” by China Banking Regulatory Commission (CBRC) and won the title of “The commercial banks in China. Besides reform in performance assessment, treasury management, most competitive small/medium bank in 2015” granted by Financial Times. internal asset transfer pricing, profitability analysis and other mechanisms, the Bank also enhanced In the past year, we carefully fulfilled the supervision requirements, positively improved the FTP system operation and introduced management tools like ERP, improving management capability. corporate governance and accelerated the strategy transformation, making breakthrough in key The Bank had built the “Financial innovation bank” data platform, independently developed and put areas and showing brilliant and varied highlights. Moreover, the Bank had passed the IPO issuance into production the “Search e-finance” big data analysis cloud platform, cooperated with Nanjing examination. Suxing Financial Leasing Co., Ltd. formally started business. The Bank was approved for University in building big data work station and established sound application system for risk early carrying out business in Free Trade Zone. The separate accounting business unit of Shanghai Free warning and operation risk monitoring, etc. Trade Zone passed inspection of the People’s Bank of China, providing new platform for cross- For the support and help provided by the Party and government leadership at all levels, enterprise border financial business. Successively getting the business qualifications of large-denomination & public institution as well as shareholders and customers in the past year, I hereby, on behalf of Bank certificates of deposit, third-party depository business and insurance funds trusteeship, the Bank had of Jiangsu, express our sincere thanks and gratitude to all! been continuously improving its service innovation ability. The headquarter building was put into use. Besides, we also made available and campaigned on the nation-wide service hotline 95319, officially In 2016, the international and domestic environments are still complex and fast changing. The offered the private bank service and reformed consumer finance and credit card businesses, and so world economy is recovering slowly, while the domestic economy is undergoing strategic adjustment that the operation supporting competence was greatly improved. The Bank strengthened the teamwork in development module and structure. We will carefully carry out the spirit of the central and provincial sprit and corporate culture construction, promoted working style change and efficiency improvement economic working conference, firmly follow the development concepts of innovation, harmony, green, and ceaselessly enhanced the cohesive force and ability of the team. The enterprise culture was open and sharing, stick to the overall basis of seeking improvement in stability, strive to make new updated to the core value of “integrated innovation, pragmatic responsibility and lean for growth” to progress in transformation development, and speed up the pace in building “characteristic, intelligent, speed up improvement of the culture soft power of the whole bank. comprehensive and international” leading commercial bank! Looking back at the year of 2015, we continued optimizing asset structure, strengthened product Chairman of Bank of Jiangsu: 目 录 008 COMPANY PROFILE 048 CORPORATE GOVERNANCE 010 ACCOUNTING DATA AND BUSINESS STRUCTURE AND MECHANISM DATA SUMMARY 056 GENERAL MEETING OF 014 MANAGEMENT DISCUSSION AND SHAREHOLDERS ANALYSIS 058 REPORT OF THE BOARD OF DIRECTORS 034 SHAREHOLDERS AND SHARE CAPITAL 065 SIGNIFICANT ISSUES 037 DIRECTORS, SUPERVISORS, SENIOR 068 FINANCIAL REPORT AND DOCUMENTS ADMINISTRATIVE OFFICERS AND FOR REFERENCE EMPLOYEES 会计数据和业务数据摘要 Company Profile I. Registered name in Chinese: 江苏银行股份有限公司 (i.e. “Bank of Jiangsu”, hereinafter referred to as “the Company” or “our Company”) Registered name in English: BANK OF JIANGSU CO., LTD. II. Legal representative: Xia Ping III. Telephone number of the Board of Directors Office: 025-58587122 Fax number of the Board of Directors Office: 025-58588273 IV. Registered address and office address: No. 26, Zhonghua Road, Nanjing, Jiangsu, China. Post Code: 210001 V. Other related information First registration date: January 22, 2007 First registration address: No. 55, Hongwu North Road, Nanjing, Jiangsu, China. First registration query index: Website of General Administration for Industry and Commerce of People’s Republic of China (www.saic.gov.cn) Unified social credit code: 91320000796544598E Internet website (Information disclosure website): http://www.jsbchina.cn Email: [email protected] Place of the Annual Report issue: The Company’s Office of Board of Directors Auditing Firm: BDO China Shu Lun Pan Certified Accountants LLP Office address: 4/F, New Huangpu Financial Plaza, No. 61, Nanjing East Road, Huangpu District, Shanghai Other information: The report is made in Chinese and English; in case of any ambiguity between the Chinese and English versions, the former shall prevail. Company Profile 008 Accounting Data