证券代码：601009 证券简称：南京银行 公告编号：2024-052 优先股简称：南银优 1 优先股代码：360019 南银优 2 360024 可转债简称：南银转债 可转债代码：113050 南京银行股份有限公司 2024 年半年度权益分派实施公告 本公司董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈述或者重大遗 漏，并对其内容的真实性、准确性和完整性承担法律责任。 重要内容提示： 每股分配比例 A 股每股现金红利人民币 0.34626 元（含税） 相关日期 | 股份类别 | 股权登记日 | 最后交易日 | 除权（息）日 | 现金红利发放日 | | --- | --- | --- | --- | --- | | Ａ股 | 2024/10/31 | － | 2024/11/1 | 2024/11/1 | 差异化分红送转： 否 一、 通过分配方案的股东大会届次和日期 本次利润分配方案经公司 2024 年 5 月 20 日的 2023 年年度股东大会、2024 年 8 月 16 日 的 2024 年第二次临时股东大会、2024 年 9 月 2 日的第十届董事会第六次会议审议通过。 二、 分配方案 1 ...

Investment Rating - The report maintains a "Recommended" rating for Nanjing Bank, with a target price of 10.30 CNY, corresponding to 0.7 times the 2024 PB as of October 23, 2024 [2][4]. Core Views - Nanjing Bank has demonstrated stable growth in revenue and net profit, with a year-on-year revenue increase of 8.0% and a net profit growth of 9.0% for the first three quarters of 2024. The bank's asset quality remains stable, with a non-performing loan ratio of 0.83% and a provision coverage ratio of 340% [1][2]. - The bank's expansion strategy is effective, particularly in retail and corporate lending, with personal loan growth of 8.0% and corporate loan growth of 15.7% in the same period. The bank is actively supporting key sectors such as technology and green finance [1][2]. - The bank has maintained a dividend payout ratio above 30% over the past three years, enhancing its attractiveness for investors [2]. Summary by Sections Financial Performance - For the first three quarters of 2024, Nanjing Bank achieved a revenue of 38.6 billion CNY, a year-on-year increase of 8.0%, and a net profit of 16.7 billion CNY, up 9.0% year-on-year. The cost-to-income ratio improved to 25.3% [1][2]. - The bank's total assets, loans, and deposits grew by 13.7%, 13.7%, and 4.5% year-on-year, respectively, indicating a robust expansion [1][10]. Asset Quality - The non-performing loan ratio remained stable at 0.83%, with a slight improvement in personal loan quality. The bank's provision coverage ratio stands at 340%, reflecting strong risk management [1][37]. Earnings Forecast - The projected earnings per share (EPS) for 2024, 2025, and 2026 are 1.93 CNY, 2.07 CNY, and 2.22 CNY, respectively. The bank's price-to-earnings (P/E) ratio is expected to remain around 5 [2][36].

Investment Rating - The report maintains a "Buy" rating for Nanjing Bank, with a target price of 11.85 CNY, corresponding to a 0.82 times price-to-book ratio for 2024 [6][2]. Core Views - Nanjing Bank's new management is actively reforming the bank, focusing on optimizing the asset-liability structure, with loans now accounting for 48.6% of total assets. Revenue and net profit growth are expected to improve quarter by quarter [1]. - The bank is solidifying its customer base, with fee income growth turning positive ahead of peers, and retail and private banking AUM increasing by 10.5% and 14.8% respectively since the beginning of the year [1]. - The bank's plan to establish 300 new branches is progressing well, achieving full coverage in Jiangsu's county areas, with four new branches opened in Q3 2024 [1]. - The report adjusts the net profit growth forecast for 2024-2026 to 9.4%, 10.1%, and 10.3%, respectively, with corresponding BVPS of 14.50 CNY, 16.29 CNY, and 17.90 CNY [1]. Financial Summary - For 2024, the expected revenue is 48,947 million CNY, with a growth rate of 8.4%. The net profit attributable to the parent company is projected at 20,243 million CNY, reflecting a growth of 9.4% [4]. - The bank's cost-to-income ratio decreased by 0.9 percentage points year-on-year to 24.5%, while the net profit for Q3 2024 increased by 10.2% year-on-year [1][4]. - The asset quality remains strong, with a non-performing loan ratio stable at 0.83% and a slight increase in the attention rate to 1.14% [1][4]. Performance Trends - In Q3 2024, revenue grew by 8.4%, with net interest income increasing by 8.7%. The net interest margin showed signs of recovery, with a significant narrowing of the year-on-year decline [1]. - The bank's loan growth was 13.7% year-on-year, with corporate and retail loans increasing by 134 billion CNY and 166 billion CNY, respectively [1]. - The deposit growth was under pressure, with a year-to-date increase of only 2.4% [1].

Investment Rating - The report maintains a "Buy" rating for Nanjing Bank (601009.SH) with a current price of 10.30 CNY [1]. Core Views - Nanjing Bank's revenue and profit have shown steady growth, with a 8% year-on-year increase in revenue to 38.56 billion CNY and a 9% increase in net profit to 16.66 billion CNY for the first three quarters of 2024 [1][4]. - The bank's return on average equity (ROAE) stands at 15.1%, a slight decrease of 0.2 percentage points year-on-year [1]. - Shareholder confidence is reflected in increased shareholdings, with significant purchases made by major shareholders [8]. Summary by Sections Revenue and Profit Growth - For the first three quarters of 2024, Nanjing Bank's revenue, pre-provision profit, and net profit grew by 8%, 10.1%, and 9% respectively, indicating stable growth compared to the first half of 2024 [4]. - Net interest income and non-interest income growth rates were -1.4% and 19.8%, showing improvements in non-interest income compared to the previous half [4]. Deposit and Loan Trends - As of Q3 2024, the bank's interest-bearing liabilities and deposits grew by 13.5% and 4.5% year-on-year, with a decrease in deposits of 15.9 billion CNY in the quarter [5][6]. - The bank maintained a high loan growth rate, with a year-on-year increase of 13.7% in loans, and a significant rise in retail loans due to new credit card products [6]. Asset Quality and Risk Management - The non-performing loan (NPL) ratio remained low at 0.83%, with a strong risk coverage capability indicated by a provision coverage ratio of 340.4% [7][15]. - The bank's capital adequacy ratios improved, with the core tier 1 capital ratio reaching 9.0% [8][16]. Future Outlook and Valuation - The bank's net profit growth forecasts for 2024-2026 are set at 7.7%, 9.2%, and 10.7%, with adjusted earnings per share (EPS) estimates of 1.86, 2.03, and 2.25 CNY respectively [8][10]. - The current price-to-book (PB) and price-to-earnings (PE) ratios are projected to be 0.71, 0.65, and 0.59, and 5.54, 5.07, and 4.58 for the respective years [10][17].

| 证券简称: 南京银行 | 证券代码: 601009 | 编号: 2024-051 | | --- | --- | --- | | 优先股简称：南银优 1 | | 优先股代码：360019 | | 南银优 2 | | 360024 | | 可转债简称：南银转债 | | 可转债代码：113050 | 南京银行股份有限公司关于调整 2024 年中期利润分配方案的提示性公告 特别提示： 本公司董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈述或 者重大遗漏，并对其内容的真实性、准确性和完整性承担法律责任。 重要内容提示： 每股分配比例：因本公司普通股总股本发生变动，需相应调整利润分配方案， 按照维持分配总额不变的原则，每股派发现金红利由0.3587元人民币（含税）调整 为0.34626元人民币(含税)。 本次调整原因：鉴于本公司可转换公司债券"南银转债"转股，致使本公司 普通股总股本由10,343,793,521股(2024年6月30日)变动至10,715,554,295股(2024 年10月23日)。本公司按照维持分配总额不变的原则，对2024年中期利润分配方案进 行相应调整。 南京银行股份有限公司（ ...

| 证券简称: 南京银行 | 证券代码: 601009 | 编号:2024-050 | | --- | --- | --- | | 优先股简称：南银优 1 | | 优先股代码：360019 | | 南银优 2 | | 360024 | | 可转债简称：南银转债 | | 可转债代码：113050 | 南京银行股份有限公司 关于召开 2024 年第三季度业绩说明会的公告 特别提示： 南京银行股份有限公司（以下简称"本公司"）将于 2024 年 10 月 24 日在 上海证券交易所网站（www.sse.com.cn）披露本公司 2024 年第三季度报告。为 便于广大投资者更全面深入地了解本公司 2024 年第三季度业绩和经营情况，本 公司拟于 2024 年 10 月 30 日（星期三）上午 9:00-10:00 召开 2024 年第三季度 业绩说明会，就投资者普遍关注的问题进行交流。 一、业绩说明会召开类型 本次业绩说明会以网络文字互动形式召开，本公司将就 2024 年第三季度业 绩和经营情况与投资者进行交流和沟通，在信息披露允许的范围内就投资者普遍 关注的问题进行交流。 1 本公司董事会及全体董事保证本公告内容不 ...

| 证券简称: 南京银行 | 证券代码: 601009 | 编号: 2024-048 | | --- | --- | --- | | 优先股简称：南银优 1 | | 优先股代码：360019 | | 南银优 2 | | 360024 | | 可转债简称：南银转债 | | 可转债代码：113050 | 一、关于审议《南京银行股份有限公司 2024 年第三季度报告》的议案 会议对本公司 2024 年第三季度报告发表书面意见如下： 1.董事会的编制和审议程序符合法律、行政法规和中国证监会的规定； 2.报告的内容能够真实、准确、完整地反映本公司的实际情况； 3.所有参与编制和审议的人员未发现违反保密规定的行为。 第十届监事会第六次会议决议公告 特别提示： 本公司监事会及全体监事保证本公告内容不存在任何虚假记载、误导性陈述 或者重大遗漏，并对其内容的真实性、准确性和完整性承担法律责任。 南京银行股份有限公司（以下简称"本公司"）第十届监事会第六次会议于 2024 年 10 月 23 日以现场方式在本公司河西总部大楼召开。会议通知及会议文 件已于 2024 年 10 月 12 日发出。会议由监事长吕冬阳先生提议召开并主持 ...

| 证券简称: 南京银行 | 证券代码: 601009 | 编号: 2024-047 | | --- | --- | --- | | 优先股简称：南银优 1 | | 优先股代码：360019 | | 南银优 2 | | 360024 | | 可转债简称：南银转债 | | 可转债代码：113050 | 南京银行股份有限公司 第十届董事会第七次会议决议公告 一、关于审议《南京银行股份有限公司 2024 年第三季度报告》的议案 本议案已经本公司董事会审计委员会事前认可。 同意 9 票；弃权 0 票；反对 0 票。 具体详见本公司在上海证券交易所披露的《南京银行股份有限公司 2024 年 第三季度报告》。 二、关于审议《南京银行股份有限公司 2024 年第三季度第三支柱信息披露 报告》的议案 同意 9 票；弃权 0 票；反对 0 票。 三、关于审议《南京银行股份有限公司第三支柱信息披露管理办法》的议 案 特别提示： 本公司董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈述 或者重大遗漏，并对其内容的真实性、准确性和完整性承担法律责任。 南京银行股份有限公司（以下简称"本公司"）第十届董事会第七次会议于 20 ...

Financial Performance - The company's operating revenue for Q3 2024 was 12,342,468 thousand RMB, representing an 8.38% increase year-over-year[3] - Net profit attributable to shareholders for Q3 2024 was 5,068,493 thousand RMB, reflecting a 10.20% increase compared to the same period last year[3] - Basic earnings per share for Q3 2024 were 0.47 RMB, while diluted earnings per share were 0.41 RMB, an increase of 10.81% year-over-year[3] - The company achieved an operating income of RMB 385.58 billion in the first three quarters of 2024, representing an increase of 8.03% year-on-year[14] - The net profit attributable to shareholders was RMB 166.63 billion, marking a growth of 9.02% compared to the same period last year[14] - The basic earnings per share were RMB 1.59, an increase of 8.90% year-on-year[14] - The bank's net profit for the first nine months of 2024 reached CNY 16,772,257, up from CNY 15,375,251 in the same period last year, marking a growth of 9.1%[31] - The bank's total operating income for the first nine months of 2024 was CNY 38,558,036, up from CNY 35,692,157 in the same period last year, representing an increase of 7.9%[31] Asset and Liability Management - Total assets as of September 30, 2024, reached 2,547,037,415 thousand RMB, marking an 11.31% increase from the end of the previous year[4] - The total liabilities amounted to RMB 23,645.11 billion, growing by RMB 2,488.29 billion or 11.76% year-on-year[13] - Total assets increased to CNY 2,547,037,415 as of September 30, 2024, up from CNY 2,288,275,916 at the end of 2023, representing a growth of 11.3%[30] - The total liabilities increased to CNY 2,364,511,277 as of September 30, 2024, compared to CNY 2,115,681,851 at the end of 2023, an increase of 11.7%[30] Cash Flow Analysis - The net cash flow from operating activities for the first nine months of 2024 was -74,559,468 thousand RMB, a significant decrease of 297.37%[7] - Net cash flow from operating activities decreased to -74,559,468 thousand RMB in 2024 from 37,776,700 thousand RMB in 2023, indicating a significant decline[32] - Total cash inflow from operating activities was 129,279,902 thousand RMB in 2023, down from 230,339,615 thousand RMB in 2022[32] - The balance of cash and cash equivalents at the end of the period was 60,293,214 thousand RMB, up from 40,393,832 thousand RMB in 2023[32] Income Composition - The net interest income was RMB 196.14 billion, a decline of 1.36% year-on-year, accounting for 50.87% of total operating income[14] - The non-interest income reached RMB 189.44 billion, an increase of 19.84% year-on-year, making up 49.13% of total operating income[14] - The bank's investment income for Q3 2024 was CNY 3,999,370, compared to CNY 3,050,477 in Q3 2023, reflecting a significant increase of 30.9%[31] Shareholder Information - The total number of ordinary shareholders at the end of the reporting period was 73,459[7] - The total equity attributable to shareholders was 179,177,807 thousand RMB, a 5.67% increase compared to the end of the previous year[4] - The bank's total equity increased to CNY 182,526,138 as of September 30, 2024, up from CNY 172,594,065 at the end of 2023, representing a growth of 5.4%[30] Loan and Deposit Growth - The total deposits increased to RMB 14,025.59 billion, reflecting a growth of RMB 331.51 billion or 2.42% from the previous year[13] - The total loans reached RMB 12,366.97 billion, up by RMB 1,376.24 billion or 12.52% compared to the end of last year[13] - The corporate RMB loan balance reached 931.99 billion yuan, an increase of 116.89 billion yuan, or 14.34% year-on-year[16] - The bank's customer deposits rose to CNY 1,431,756,801, up from CNY 1,396,365,869, indicating a growth of 2.5%[30] Operational Efficiency - The cost-to-income ratio improved to 25.32%, a decrease of 5.15 percentage points from the end of the previous year[14] - The company's non-performing loan ratio is 0.83%, a decrease of 0.07 percentage points from the beginning of the year, with a provision coverage ratio of 340.40%[15] - The migration rate for normal loans decreased to 0.93% from 1.39% in December 2023, showing improved loan performance[23] Business Expansion - The company opened four new branches in 2024, expanding its market presence[19] - The company converted 1.05 billion yuan of convertible bonds into shares, increasing its stake in Jiangsu Financial Leasing to 21.27%[19] - The consumer finance subsidiary increased its registered capital from 5 billion yuan to 5.215 billion yuan, with the company's ownership decreasing to 64.16%[19] User Engagement - The number of active users of the mobile banking app increased by 16.28% year-on-year, enhancing user experience[17]

| 证券代码：601009 | 证券简称：南京银行 | 公告编号：2024-046 | | --- | --- | --- | | 优先股简称：南银优 1 | | 优先股代码：360019 | | 南银优 2 | | 360024 | | 可转债简称：南银转债 | | 可转债代码：113050 | 南银优 2 360024 南京银行股份有限公司 关于实施 2024 年中期权益分派时"南银转债" 一、2024 年中期普通股分红派息基本情况 1．南京银行股份有限公司（以下简称"本公司"）2024 年中期利润分配方案： 以本公司 2024 年 6 月 30 日普通股总股本 10,343,793,521 股计算，向全体普通股 股东每 10 股派送现金股利 3.587 元人民币（含税），共计派发现金股利 37.103 亿元，占合并报表中归属于上市公司股东的净利润的 32.00%。由于本公司发行的 可转债处于转股期，若总股本在实施权益分派的股权登记日前发生变动，届时本 公司将维持分配总额不变，以实施权益分派的股权登记日普通股总股本为基数， 相应调整每股分配金额，并在分红派息实施公告中明确具体分配情况。 转股连续停牌的提示 ...