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《江苏金融监管局关于吴弘南京银行独立董事任职资格 的批复》（苏金复〔2025〕157 号），核准吴弘先生担任本公司独立董事的任职 资格。 吴弘先生担任本公司独立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，至本公司第十届董事会任期届满之日止，任期届满 可以连选连任。吴弘先生的简历请见本公司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 2024 年年度报告》。 | 证券简称: | 南京银行 | 证券代码: | 601009 | 编号:2025-018 | | --- | --- | --- | --- | --- | | 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 ...

Core Insights - Financial sector plays a crucial role in promoting technological innovation, with Zhejiang province enhancing financial policy tools to support digital, intelligent, and green transformations [1][2] - As of the end of Q1, the loan balance for the technology service industry in Zhejiang reached 3.17 trillion yuan, marking a year-on-year growth of 19.6%, surpassing the overall loan growth rate by 10.9 percentage points [1] Group 1: Financial Support and Policy Initiatives - Zhejiang province has implemented the "Implementation Rules for Increasing Support for Technology Enterprises Financing," focusing on enhancing financial services for technology firms [1] - The province has initiated a special action to improve technology financial service capabilities, establishing a "four-special" service mechanism involving specialized teams, products, processes, and evaluations [1] Group 2: Regional Financial Innovations - The People's Bank of China, Zhejiang branch, is guiding the establishment of a robust technology financial service system in Hangzhou and Jiaxing, with significant loan growth in these areas [2] - As of March, the technology service industry loan balance in Hangzhou grew by 14.8%, while Jiaxing saw a remarkable increase of 27.5%, both exceeding the overall loan growth rates [2] Group 3: Innovative Financial Products - Zhejiang province is diversifying technology financial product offerings, encouraging banks to develop equity loans and acquisition loans to support strategic emerging industries [2] - The "Zhe Ke Loan" financing service has been introduced, providing hard technology enterprises with favorable loan terms, including maximum loan amounts, extended durations, and optimal interest rates [2] - Jiaxing Bank is exploring a "twin investment-loan" model to address challenges in external investment-loan coordination, while Hangzhou Bank collaborates with third-party investors to support technology enterprises through equity options [2]

行 业 研 究 DONGXING SECURITIES 其他非息拖累盈利，息差下行压力趋缓 ——上市银行25Q1业绩总结 | 分析师 | 林瑾璐 | 联系方式：021-25102905 | 执业证书编号：S1480519070002 | | --- | --- | --- | --- | | 分析师 | 田馨宇 | 联系方式：010-66554013 | 执业证书编号：S1480521070003 | 东兴银行团队 2025年5月16日 东 兴 证 券 股 份 有 限 公 司 证 券 研 究 报 告 摘要 业绩概览：营收净利润增速总体转负，优质城农商行业绩领跑。25Q1上市银行营收、净利润同比分别-1.7%、-1.2%，增速较24A下滑1.8pct、3.5pct。盈利边际走弱， 主要拖累是债市调整带来的其他非息收入增速大幅下滑，以及拨备反哺力度减弱。好的方面是，净息差降幅收窄；资产增速相对稳定；低基数下中收降幅收窄。各类银 行表现分化：城农商行领跑，整体实现正增长，主要得益于规模增速提升，息差降幅收窄，以及中收增速转正。国有行相对偏弱，主要是规模增速放缓、息差降幅偏大， 净利息收入降幅扩大。股份行盈利表现最弱 ...

| 证券代码：601009 | | 证券简称：南京银行 | 公告编号：2025-017 | | --- | --- | --- | --- | | 优先股简称：南银优 1 | | | 优先股代码：360019 | | 2 | 南银优 | | 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年年度股东大会决议公告 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： 本次会议是否有否决议案：无 一、 会议召开和出席情况 (一)股东大会召开的时间：2025 年 5 月 16 日 (二)股东大会召开的地点：江苏省南京市建邺区江山大街 88 号公司河西总部大 楼四楼 401 会议室 (三)出席会议的普通股股东和恢复表决权的优先股股东及其持有股份情况： | 1、出席会议的股东和代理人人数 | 571 | | --- | --- | | 2、出席会议的股东所持有表决权的股份总数（股） | 7,965,318,175 | | 3、出席会议的股东所持有表决权股份数占 ...

中国 南京 中山南路 8 号苏豪大厦 10 楼 邮编 210005 Add: 10F, Suhao Building, 8 South Zhongshan Road, Nanjing, China 电话（Tel）：025-84723732 传真（Fax）：025-84730252 江苏金禾律师事务所 法律意见书 江苏金禾律师事务所 关于 南京银行股份有限公司2024年度股东大会的 法律意见书 关于 南京银行股份有限公司 2024 年度股东大会的 法 律 意 见 书 江苏金禾律师事务所 致:南京银行股份有限公司 江苏金禾律师事务所(以下简称"本所")接受南京银行股份有限公司(以下 简称"公司")的委托，指派夏维剑律师、顾晓春律师出席了公司召开的 2024 年度股东大会（以下简称"本次股东大会"），对公司本次股东大会的召集和召 开程序、出席会议人员的资格、表决程序的合法性、有效性，依据《中华人民共 和国公司法》、《中华人民共和国证券法》等有关法律、法规和规范性文件以及 《南京银行股份有限公司章程》(以下简称"《公司章程》")进行了认真的审查。 为出具本法律意见书，本所律师对本次股东大会所涉及的有关事项进行了审 查 ...

Group 1 - The total market value of the top five institutional investors' holdings in A-shares reached 2.06 trillion yuan in Q1 2025, with insurance companies holding the highest market value at 1.377561 trillion yuan [3] - A total of 760 listed companies were heavily held by QFII in Q1 2025, with notable stocks including Ningbo Bank, Nanjing Bank, and Shengyi Technology [3] - The National Social Security Fund held shares in 607 companies, with significant holdings in Agricultural Bank and Industrial and Commercial Bank, valued at 121.839 billion yuan and 84.965 billion yuan respectively [3] Group 2 - Securities firms appeared in the top ten shareholders of 285 companies in Q1 2025, with CITIC Securities holding 3.83 million shares of CITIC Construction Investment valued at 9.25 billion yuan [4] - The highest market value for pension funds in Q1 2025 was in Zhejiang Chint Electrics, with basic pension insurance funds holding a total of 7.2298 million shares valued at 1.701 billion yuan [4]

Core Viewpoint - Nanjing Bank has achieved significant growth in 2024, with total assets exceeding 2.59 trillion yuan and strong revenue and net profit growth, but faces increasing uncertainties due to market volatility and competition in retail transformation [1][3][4] Financial Performance - As of the end of 2024, Nanjing Bank's total assets reached 2.59 trillion yuan, a year-on-year increase of 13.25% [3] - The bank's annual operating income surpassed 50 billion yuan, growing by 11.32%, ranking among the top in A-share listed banks [3] - The net profit attributable to shareholders was 20.177 billion yuan, up 9.05% year-on-year, also ranking favorably [3] - In Q1 2025, operating income continued to grow, reaching 14.19 billion yuan, a 6.53% increase, while net profit was 6.108 billion yuan, up 7.06% [4] Revenue Composition - Nanjing Bank's net interest income was 26.627 billion yuan, a 4.62% increase, while non-interest income reached 23.646 billion yuan, growing by 19.98% and accounting for 47.04% of total revenue [4] - The significant increase in non-interest income was primarily driven by fair value changes, which surged by 329.48% to 7.377 billion yuan [5] Investment Strategy - The bank's investment style is characterized as "risk-seeking," with financial investments making up 41.7% of total assets, ranking sixth among A-share listed banks [5] - The proportion of trading financial assets exceeded 18%, indicating a higher sensitivity to market fluctuations [5] Retail Banking Challenges - Despite growth in corporate and retail loans, Nanjing Bank's personal banking segment reported a loss of 1.199 billion yuan in 2024, the first loss since its listing [8] - Operating costs for personal banking rose by 42.92% to 13.743 billion yuan, significantly impacting profitability [8] Asset Quality - Nanjing Bank maintained a non-performing loan (NPL) ratio of 0.83%, down 0.07 percentage points year-on-year, remaining below 1% for 15 consecutive years [11] - However, the proportion of special mention loans increased from 1.17% to 1.2%, indicating potential pressure on asset quality [11] Risk Management - The bank increased credit impairment losses to 10.525 billion yuan in 2024, a 20% rise from the previous year [12] - The provision coverage ratio decreased from 360.58% in 2023 to 335.27% in 2024, indicating reduced buffer against potential risks [12] Strategic Direction - Nanjing Bank aims to enhance its retail strategy, focusing on wealth management and cost efficiency while expanding its core deposit channels [15] - The bank plans to support technology-driven enterprises and provide comprehensive financial services throughout the corporate lifecycle [16]

南京银行股份有限公司 2024 年年度股东大会资料 股票代码：601009 二〇二五年五月 南京银行股份有限公司 2024 年年度股东大会议程 会议时间：2025 年 5 月 16 日（星期五）下午 14：30 会议地点：江苏省南京市建邺区江山大街 88 号公司河西总部大楼 401 会议室 会议主持人：谢宁董事长 一、宣读股东大会会议须知 二、宣布现场会议开始 三、报告并审议议案 1.关于审议《南京银行股份有限公司 2024 年度财务决算报告及 2025 年度财务预 算》的议案 2.关于审议《南京银行股份有限公司 2024 年度利润分配预案》的议案 3.关于审议《南京银行股份有限公司 2024 年度关联交易专项报告》的议案 4.关于补充申报南京银行股份有限公司 2024 年度部分关联方日常关联交易预计 额度的议案 5.关于审议南京银行股份有限公司部分关联方 2025 年度日常关联交易预计额度 的议案 6.关于续聘安永华明会计师事务所为公司 2025 年度财务报告审计会计师事务所 的议案 7.关于续聘安永华明会计师事务所为公司 2025 年度内部控制审计会计师事务所 的议案 8.关于审议《南京银行股份有限公司资 ...

Investment Rating - The report maintains a positive outlook on the banking sector, highlighting it as a low-volatility dividend play in a counter-cyclical environment and a strong performer in absolute returns during a pro-cyclical phase [6]. Core Insights - The first quarter of 2025 saw a decline in both revenue and net profit for listed banks, with revenue and net profit down 1.7% and 1.2% year-on-year, respectively. The main reasons for this decline were the expected decrease in interest margins and pressure from non-interest income [3][12]. - Loan growth has remained stable, with a year-on-year increase of 7.9% in the first quarter. Notably, banks in Jiangsu and Zhejiang, as well as Chengdu, continue to show strong economic performance, while Chongqing has emerged as a new growth area with loan growth exceeding 16% [3][4]. - The average net interest margin for listed banks was 1.54% in the first quarter, reflecting a slight quarter-on-quarter increase of 2 basis points, supported by a decrease in the cost of interest-bearing liabilities [4][12]. - The non-performing loan (NPL) ratio for listed banks decreased to 1.23%, with an estimated annualized NPL generation rate of approximately 0.63% [5][19]. - The report emphasizes the importance of focusing on high-dividend yield banks, particularly those with solid provisions and growth opportunities in favorable policy environments [6][19]. Summary by Sections Performance Overview - The first quarter of 2025 saw a significant impact from the decline in interest margins and non-interest income, leading to a negative growth in both revenue and profit for listed banks [10][12]. - The report indicates that the performance of state-owned banks was below expectations, while city and rural commercial banks generally met expectations [3][19]. Loan and Credit Analysis - Loan growth has been stable, with a year-on-year increase of 7.9% in the first quarter. The report highlights that the demand for loans from small and medium-sized enterprises has weakened, affecting the growth rates of rural commercial banks [3][4]. Interest Margin and Cost Analysis - The report notes that the average net interest margin for listed banks improved slightly, with a quarter-on-quarter increase attributed to a reduction in the cost of interest-bearing liabilities [4][12]. Asset Quality and Risk Management - The NPL ratio for listed banks decreased to 1.23%, with proactive measures taken to manage and dispose of non-performing assets [5][19]. - The report indicates that the retail sector is experiencing some risk exposure, but overall asset quality remains stable [5][19]. Investment Recommendations - The report recommends focusing on banks with high dividend yields and solid fundamentals, particularly those that are well-positioned to benefit from favorable policy changes [6][19].

Core Viewpoint - Nanjing Bank's Wuxi branch has successfully launched Jiangsu Province's first carbon emission-linked loan based on its self-developed carbon accounting system, contributing to the green and low-carbon transformation of the economy [1][2] Group 1: Carbon Accounting System - The carbon accounting management platform of Nanjing Bank is set to officially launch in Q1 2025, utilizing authoritative carbon accounting methodologies from the People's Bank of China and other regulatory bodies [1] - The platform will enable functions such as carbon calculation, comparison, and utilization, establishing a digital foundation for future green finance initiatives [1] Group 2: Loan Implementation - On April 29, 2025, Nanjing Bank's Wuxi branch issued a carbon emission-linked loan of 2 million yuan to a power technology company, marking the first successful implementation of such a loan in the province [1] - The loan was facilitated by the bank's carbon accounting platform, which helped accurately calculate carbon emission indicators for target clients and assisted them in setting scientific carbon reduction goals [1] Group 3: Future Plans - Nanjing Bank's Wuxi branch plans to continue promoting the concept of green finance, expanding the scale of green credit issuance, and accelerating innovation in green financial services [2] - The bank aims to contribute more financial wisdom and strength to the high-quality development of the local economy [2]