关于召开 2023 年半年度业绩说明会的公告 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。 ●会议参与方式： | 证券简称: 南京银行 | 证券代码: 601009 | 编号:2023-033 | | --- | --- | --- | | 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 重要内容提示： ●会议召开时间：2023 年 9 月 12 日（星期二）下午 15:30-16:30 ●会议召开方式：电话会议 直播网址：https://live.xylink.com/live/v/uJycrWys 电话参会：国内请拨打：4000255065 语音提示 9005910976# 国际请拨打：+8685128797799 语音提示 9005910976# ●投资者可于 2023 年 9 月 7 日（星期四）17:00 前将需要了解的情况和有关 问 题 预 先 通 过 电 子 ...

Awards and Rankings - The company ranked 91st in the 2023 Global Bank 1000 list by The Banker, improving by 10 positions from the previous year[22]. - The company achieved a ranking of 21st in the 2023 China Banking Industry Top 100 list by the China Banking Association[22]. - The company was awarded the "2022 Advanced Enterprise in High-Quality Development" by the Nanjing Municipal Government[22]. - The company received the "Best Supply Chain Financial Bank" award at the 7th China Supply Chain Financial Industry Benchmark Award Ceremony[22]. - The company’s subsidiary, Nan Yin Wealth Management, received multiple awards for excellence in wealth management services[22]. Financial Performance - Operating revenue for the first half of 2023 reached RMB 24,303,937, an increase of 3.28% compared to RMB 23,532,351 in the same period of 2022[23]. - Net profit attributable to shareholders was RMB 10,684,857, reflecting a year-on-year growth of 5.26% from RMB 10,150,644 in 2022[23]. - The net cash flow from operating activities was RMB 60,536,629, a significant increase of 789.47% compared to a negative cash flow of RMB -8,780,201 in the first half of 2022[23]. - Total assets as of June 30, 2023, amounted to RMB 2,222,509,670, representing a 7.92% increase from RMB 2,059,483,739 at the end of 2022[23]. - Total liabilities increased by 8.17% to RMB 2,057,088,723 from RMB 1,901,784,904 at the end of 2022[23]. - The bank's basic earnings per share for the first half of 2023 was RMB 1.03, up 1.98% from RMB 1.01 in the same period of 2022[23]. - The company distributed a cash dividend of RMB 0.5339 per share, totaling RMB 5,522,519,010.26, completed on June 21, 2023[23]. - Net profit for H1 2023 was RMB 10,742,513,000, reflecting a year-on-year growth of 5.39%[31]. - Non-interest income as a percentage of total revenue increased to 43.94% in H1 2023, up 1.48 percentage points from H1 2022[29]. Risk Management - The company has implemented various measures to effectively manage and control operational risks, including credit, market, liquidity, and operational risks[9]. - The company has no foreseeable major risks and has taken steps to mitigate various operational risks[9]. - The company implemented a comprehensive liquidity risk management system, ensuring liquidity safety[40]. - The company has strengthened risk management for group customer credit, optimizing management systems and enhancing compliance checks[112]. - The company has adopted the expected credit loss method for loan loss provisions, with an ending balance of RMB 36.209 billion[111]. Asset and Loan Management - The total loan amount was RMB 10,628.46 billion, up RMB 1,169.33 billion or 12.36% year-on-year[40]. - The loan balance in Jiangsu province was 926.46 billion RMB, accounting for 87.17% of the total loan balance, up 1.09 percentage points from the previous year[68]. - The balance of inclusive small and micro enterprise loans is RMB 1,046.01 billion, with a growth of RMB 139.92 billion, or 15.44%, compared to the beginning of the year[121]. - The balance of green financial loans reached CNY 165.114 billion, an increase of CNY 32.157 billion compared to the beginning of the year[123]. - The company’s personal loan non-performing rate (NPL) is 1.59%, an increase of 0.50 percentage points compared to the end of the previous year[105]. Employee and Governance - The company has over 16,000 employees, with 98.75% holding a bachelor's degree or above[39]. - The total number of employees in the parent company and major subsidiaries is 16,085, with 3,418 management personnel, accounting for 21.25% of the total[181]. - The average age of formal employees in the parent company is 33 years, with 98.75% holding a bachelor's degree or higher, and 30.55% holding master's or doctoral degrees[185]. - The board of directors consists of 9 members, including 1 executive director and 4 independent directors, ensuring compliance with relevant laws and regulations[174]. - The supervisory board, comprising 8 members, held 2 meetings and reviewed 17 proposals, actively participating in the decision-making process of the board[175]. Strategic Development - The company aims to enhance its service capabilities and deepen its engagement in the Jiangsu county areas as part of its strategic development[36]. - The company plans to enhance support for key sectors such as inclusive finance, manufacturing, and green finance in the second half of 2023[64]. - The company is focusing on sustainable development by integrating ESG principles into its business and governance frameworks[161]. - The company is committed to enhancing legal risk management by optimizing contract management systems and conducting legal reviews of non-standard contracts[155]. - The company is advancing its digital transformation strategy to integrate financial technology and promote the deep integration of digital and real economies[160]. Community Engagement and Social Responsibility - The company has conducted over 1,200 public education activities, reaching approximately 745,000 individuals, to promote financial knowledge and consumer rights[197]. - The company has supported poverty alleviation initiatives with a commitment of CNY 7.5 million in educational funding over five years and additional donations totaling CNY 2.55 million for various charitable activities[191]. - The company has established 51 county-level branches, achieving full coverage in provincial county areas, enhancing its service capabilities in rural finance[193]. - The company has actively participated in volunteer services, with over 2,200 employees donating more than CNY 150,000 to local communities[191]. - The company has signed green finance cooperation agreements with 13 parks to support green development initiatives[190]. Compliance and Investor Relations - The company continues to focus on compliance with information disclosure regulations set by the China Securities Regulatory Commission and the Shanghai Stock Exchange[177]. - The company has strengthened its investor relations management, emphasizing respect, return, and protection of investors[177]. - The company disclosed a total of 2 regular reports and 23 temporary announcements during the reporting period, ensuring timely and accurate information dissemination to investors[177]. - The company received over 400 investor phone inquiries and conducted 40+ analyst and institutional research meetings, enhancing investor communication[177]. - The company has not initiated any stock incentive plans or employee stock ownership plans during the reporting period[187].

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。 | 证券简称: 南京银行 | 证券代码: 601009 | 编号:2023-030 | | --- | --- | --- | | 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 2023 年金融债券（第一期）发行完毕的公告 经中国人民银行批准，南京银行股份有限公司于近日在全国银行间债券市场 成功发行"南京银行股份有限公司 2023 年金融债券（第一期）"（以下简称"本 期债券"）。 本期债券于 2023 年 8 月 25 日发行完毕，发行总额为人民币 250 亿元，品种 为 3 年期固定利率债券，票面利率 2.58%。 本期债券募集的资金将用于优化中长期资产负债匹配结构，增加稳定中长期 负债来源并支持中长期资产业务的开展。 1 特此公告。 南京银行股份有限公司董事会 2023 年 8 月 25 日 ...

| 证券简称: 南京银行 | 证券代码: 601009 | 编号: 2023-028 | | --- | --- | --- | | 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 第九届监事会第十五次会议决议公告 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"）第九届监事会第十五次会议 于 2023 年 8 月 21 日以书面传签方式召开。会议通知及会议文件已于 2023 年 8 月 11 日发出。会议应参加投票监事 7 人，实到参加投票监事 7 人。会议符合《公 司法》等法律、法规及公司章程的有关规定。会议表决和通过了如下决议： 关于发放南银优 2 优先股股息的议案 本公司拟于 2023 年 09 月 05 日对南银优 2 优先股股东派发现金股息。按照 南银优 2 票面股息率 4.07%计算，每股发放现金股息人民币 4.07 元（ ...

证券简称: 南京银行 证券代码: 601009 编号: 2023-029 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 优先股股息发放实施公告 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： 南京银行股份有限公司（以下简称"本公司"）优先股（优先股代码：360024； 优先股简称：南银优 2）的股息发放方案已经本公司第九届董事会第十八次会议 审议通过，现将具体实施事项公告如下： 一、优先股股息发放 1.发放金额：本次股息发放的计息起始日为 2022 年 09 月 05 日，按照南银 优 2 票面股息率 4.07%计算，每股发放现金股息人民币 4.07 元（含税），合计 人民币 2.035 亿元（含税）。 2.发放对象：截至 2023 年 09 月 04 日上海证券交易所收市后，在中国证券 登记结算有限责任公司上海分公司登记在册的本公司全体南银优 2 股东。 3.扣税情况：对于持有南银优 2 的属于《中 ...

| 证券简称: 南京银行 | 证券代码: 601009 | 编号: 2023-027 | | --- | --- | --- | | 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 本公司拟于 2023 年 09 月 05 日对南银优 2 优先股股东派发现金股息。按照 南银优 2 票面股息率 4.07%计算，每股发放现金股息人民币 4.07 元（含税）， 合计人民币 2.035 亿元（含税）。 同意 10 票；弃权 0 票；反对 0 票。 二、关于调整南京银行股份有限公司第九届董事会专门委员会委员的议案 朱钢先生董事任职资格近日已获国家金融监督管理总局江苏监管局核准，现 对第九届董事会相关委员会委员进行相应调整：新增朱钢先生担任风险管理委员 会主任委员、发展战略委员会委员。调整后的委员名单如下。 南京银行股份有限公司 第九届董事会第十八次会议决议公告 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 ...

朱钢先生担任本公司董事的任期自国家金融监督管理总局江苏监管局核准 其任职资格之日起生效，至本公司第九届董事会任期届满之日止，任期届满可以 连选连任。朱钢先生的简历请见本公司于 2023 年 4 月 29 日刊登在上海证券交易 所网站（www.sse.com.cn）的《南京银行股份有限公司 2022 年年度股东大会资 料》。 特此公告。 | 证券简称: 南京银行 | 证券代码: 601009 | 编号:2023-026 | | --- | --- | --- | | 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董事任职资格 获国家金融监督管理总局江苏监管局核准的公告 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。 近日，南京银行股份有限公司（以下简称"本公司"）收到国家金融监督管 理总局江苏监管局下发的《国家金融监督管理总局江苏监管局关于朱钢任职资格 的批复》（苏金复〔2 ...

刘启连先生担任本公司第九届监事会股东监事及监事会下设委员会委员职 务期间，认真履行监事职责，为本公司的规范运作和稳健发展发挥了积极作用。 本公司监事会对刘启连先生任职期间为本公司所做的贡献表示衷心感谢，对刘启 连先生的不幸逝世表示沉痛哀悼，并向其家属致以深切慰问。 刘启连先生逝世后，本公司监事会成员人数减少至 7 人，未低于《公司法》 规定的监事会最低人数，不会影响本公司及本公司监事会工作的正常运行。本公 司将根据相关法律法规和《公司章程》的规定，尽快完成监事补选工作，并及时 履行信息披露义务。 特此公告。 证券简称: 南京银行 证券代码: 601009 编号: 2023-025 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 关于股东监事逝世的公告 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"）于近日获悉，本公司第九届 监事会股东监事刘启连先生因病不幸逝世。 南京银行股份有 ...

Financial Performance - The company's operating revenue for Q1 2023 was RMB 12,953,215 thousand, representing a year-on-year increase of 5.51% compared to RMB 12,276,579 thousand in Q1 2022[4] - Net profit attributable to shareholders was RMB 5,426,811 thousand, an increase of 8.22% from RMB 5,014,591 thousand in the same period last year[4] - The basic earnings per share (EPS) rose to RMB 0.52, up 4.00% from RMB 0.50 in Q1 2022[4] - The company achieved a return on total assets of 1.03% for Q1 2023, compared to 1.00% for the previous quarter[27] - The bank's return on equity (ROE) for Q1 2023 was 3.30%, compared to 3.18% in Q1 2022, indicating improved profitability[32] Asset and Liability Management - Total assets as of March 31, 2023, were RMB 2,148,464,490 thousand, reflecting a 4.32% increase from RMB 2,059,483,739 thousand at the end of 2022[6] - The company's total liabilities amounted to CNY 1,983.690 billion, up CNY 81.905 billion or 4.31% year-to-date[15] - The total loan amount reached 1,024.008 billion RMB as of March 31, 2023, compared to 945.913 billion RMB at the end of 2022[26] - The capital adequacy ratio was reported at 14.00% as of March 31, 2023, slightly down from 14.31% at the end of 2022[27] - The leverage ratio was reported at 6.14% as of March 31, 2023, slightly down from 6.19% at the end of 2022[29] Investment and Income - Investment income surged by 84.27% to RMB 5,740,736 thousand, compared to RMB 3,113,000 thousand in Q1 2022[7] - The net interest income for Q1 2023 was CNY 7,229,243, up from CNY 6,898,254 in Q1 2022, indicating a growth of 4.81%[32] - The company’s commission and fee income decreased by 39.71% to RMB 1,273,724 thousand, compared to RMB 2,113,000 thousand in Q1 2022[7] Shareholder and Equity Information - The number of ordinary shareholders at the end of the reporting period was 96,393[10] - The company reported a significant increase in minority shareholders' equity, which rose by 105.84% to RMB 2,969,583 thousand[9] Cash Flow and Liquidity - The company’s cash flow from operating activities per share was RMB 6.25, a substantial increase from RMB -1.29 in the same period last year, marking a 584.50% change[4] - Net cash flow from operating activities for Q1 2023 was RMB 64,661,421 thousand, a significant improvement from a net outflow of RMB 12,930,476 thousand in Q1 2022[33] - The liquidity coverage ratio stood at 235.58% as of March 31, 2023, indicating strong liquidity position[29] Branch Expansion and Market Presence - The company established 25 new branches in Jiangsu province and 2 branches outside the province in 2022, totaling 27 new branches[21] - As of the end of Q1 2023, the total number of branches reached 254, achieving full coverage of county-level branches in Jiangsu province[21] - The company opened multiple new branches in early 2023, including branches in Xiangshui, Nanjing, and Beijing, enhancing its market presence[22][23][24] Loan and Deposit Information - The balance of corporate loans reached CNY 750.497 billion, an increase of CNY 75.754 billion from the beginning of the year[18] - Retail customer AUM (Assets Under Management) grew to CNY 674.092 billion, an increase of CNY 53.144 billion or 8.56%[20] - Personal deposit balance rose to CNY 387.406 billion, up CNY 64.080 billion or 19.82%[20] - The total deposits increased by CNY 141.597 billion, representing an 11.44% growth, reaching CNY 1,379.628 billion[15] Non-Performing Loans and Risk Management - The non-performing loan ratio remained stable at 0.90%, with a provision coverage ratio of 392.36%[17] - The loan loss provision was reported at 36.132 billion RMB as of March 31, 2023, up from 33.826 billion RMB at the end of 2022[26] - The bank's non-performing loan (NPL) ratio was not explicitly stated but is a critical metric for assessing asset quality[29] Future Outlook - The bank plans to continue expanding its market presence and enhancing its product offerings in the upcoming quarters[30]

Financial Performance - As of the end of 2022, the total assets of the company reached 2 trillion RMB, marking a historic milestone[13] - The loan balance was 946.913 billion RMB, an increase of 19.69% compared to the previous year[13] - The deposit balance was 1,238.032 billion RMB, growing by 15.52% year-on-year[13] - The company achieved a revenue of 44.606 billion RMB, representing a year-on-year growth of 9.00%[13] - The net profit attributable to shareholders was 18.408 billion RMB, an increase of 16.09% from the previous year[13] - The basic earnings per share were 1.76 RMB, reflecting a growth of 14.29% year-on-year[13] - Operating revenue for 2022 reached RMB 44,606,440, an increase of 9.00% compared to RMB 40,925,185 in 2021[30] - Net profit attributable to shareholders was RMB 18,408,039, reflecting a growth of 16.09% from RMB 15,856,757 in the previous year[30] - Total assets reached CNY 2.06 trillion, an increase of 17.76% year-over-year[16] - The net profit rose by 16.15% to RMB 18,543,956, attributed to increased operating income[35] Asset Quality and Risk Management - The non-performing loan ratio stood at 0.90%, indicating stable asset quality[13] - Non-performing loan ratio improved to 0.90%, down by 0.01 percentage points from the beginning of the year[16] - Provision coverage ratio stood at 397.20%, indicating a strong risk mitigation level[16] - The non-performing loan ratio decreased by 0.01 percentage points to 0.90%[35] - The loan impairment provision balance was CNY 33.826 billion, with a coverage ratio of 397.20%[154] - The overdue loans increased to RMB 11,448,353 thousand, with an overdue loan ratio of 1.21%, a decrease of 0.05 percentage points compared to the previous year[86] - The company has implemented measures to manage non-performing loans, including early detection and resolution of large problem assets[92] Digital Transformation and Technology - The company emphasized the importance of digital transformation and financial technology in enhancing its competitive edge in the banking sector[37] - The digital transformation efforts focus on cloud, online, and intelligent services to improve customer experience and operational efficiency[18] - The company has launched new products under the "Rui" series, enhancing its diversified product system to meet various customer wealth management needs[143] - The bank's mobile app user engagement increased by over 20%, enhancing customer service capabilities[137] - The company has established four new system platforms to enhance data governance and support management, improving operational efficiency[140] Awards and Recognition - The company ranked 101st in the "Top 1000 Global Banks" by The Banker magazine in 2022, improving by 8 positions from the previous year[27] - The company was awarded the "Best Transaction Bank" by Trade Finance magazine and the "Annual Market Influence Award" by the National Interbank Funding Center[27] - The N Card digital credit card was recognized as an "Outstanding Case of Digital Transformation" by China Net Finance in 2022[28] - The company received the "China Top 100 Enterprises Award" at the 22nd China Listed Companies Top 100 Forum, ranking 55th in the "Top 100 Listed Companies in China"[27] Strategic Focus and Growth Initiatives - The company aims for balanced, steady, and sustainable growth while enhancing internal collaboration and financial service levels[18] - The company plans to optimize its asset-liability structure and enhance financial management to ensure steady profit growth in 2023[151] - The company aims to enhance support for key sectors such as manufacturing, green finance, and "new infrastructure" in 2023[153] - The retail strategy will be accelerated, with a focus on wealth management and emerging businesses like personal pension accounts[166] Governance and Compliance - The company has no controlling shareholder and operates independently, maintaining complete independence in business, personnel, assets, institutions, and finance[178] - The company is committed to fair treatment of all investors and strict adherence to information disclosure management systems[177] - The board of directors consists of 9 members, including 4 independent directors, ensuring compliance with relevant laws and regulations[182] - The company has established a comprehensive risk management framework to enhance governance and compliance[155] Employee and Human Resources - In 2022, the bank recruited over 1,500 outstanding graduates, strengthening its human resources[42] - The bank's average employee age is 33, with 98.64% holding at least a bachelor's degree and 30.53% holding master's or doctoral degrees[42] - Employee compensation expenses were RMB 9.226 billion, accounting for 69.52% of total business and management expenses[62] Market Position and Client Base - The company achieved a credit rating of AAA with a stable outlook from China Chengxin International Credit Rating Co., Ltd.[26] - The company has established a total of 242 business outlets, expanding its coverage of small and micro financial services[123] - The wealth management client base reached 650,600, with an increase of 79,200 clients year-to-date, marking a historical high[130] Financial Products and Services - The company launched the "Technology-oriented Small and Medium Enterprises Financing Connection" initiative, with a loan balance of CNY 660.97 billion for technology and culture finance[124] - The balance of inclusive small and micro enterprise loans was CNY 906.09 billion, with a year-to-date increase of CNY 249.96 billion, or 38.10%[123] - The company underwrote over 230 billion yuan in non-financial corporate debt financing tools during the reporting period[126] Future Outlook - The company's 2023 operating targets include total assets reaching CNY 2.2 trillion, deposit balance of CNY 1.37 trillion, and new loans of approximately CNY 160 billion[167] - The non-performing loan ratio is expected to remain below 1%[167] - The company is committed to advancing its digital transformation and financial technology applications[166]