Core Insights - The competitive landscape among listed city commercial banks has significantly changed in Q1 2025, with Beijing Bank maintaining its leading position in asset size, while Jiangsu Bank leads in revenue and net profit [1][2] - The total number of listed city commercial banks with assets exceeding 2 trillion yuan has increased to six, including Beijing Bank, Jiangsu Bank, Ningbo Bank, Shanghai Bank, Nanjing Bank, and Hangzhou Bank [1] - Strong credit growth has driven asset expansion and supported revenue growth for major city commercial banks [1][3] Group 1: Asset Size and Rankings - As of Q1 2025, Jiangsu Bank's asset size reached 4.46 trillion yuan, closely trailing Beijing Bank by 98 billion yuan [1] - Ningbo Bank's asset size increased to 3.40 trillion yuan, surpassing Shanghai Bank's 3.27 trillion yuan [1] - Nanjing Bank approached 2.8 trillion yuan, while Hangzhou Bank exceeded 2 trillion yuan [1] Group 2: Revenue and Profitability - In Q1 2025, the revenues of Jiangsu Bank, Ningbo Bank, Beijing Bank, Nanjing Bank, and Shanghai Bank were 223.04 billion yuan, 184.95 billion yuan, 171.27 billion yuan, 141.90 billion yuan, and 135.97 billion yuan, with growth rates of 6.21%, 5.63%, -3.18%, 6.53%, and 3.85% respectively [2] - Jiangsu Bank's net profit reached 97.8 billion yuan, followed by Beijing Bank at 76.72 billion yuan and Ningbo Bank at 74.17 billion yuan [2] Group 3: Credit Growth and Interest Income - The significant increase in credit issuance has led to a rise in net interest income for several city commercial banks, with Jiangsu Bank, Nanjing Bank, and Ningbo Bank reporting net interest incomes of 165.92 billion yuan, 77.52 billion yuan, and 128.35 billion yuan, respectively [3] - The year-on-year growth rates for net interest income were 21.94% for Jiangsu Bank, 17.80% for Nanjing Bank, and 11.59% for Ningbo Bank [3] - The strong performance in public loans was noted, with Ningbo Bank, Jiangsu Bank, Hangzhou Bank, and Nanjing Bank showing increases of 17.08%, 13.49%, 9.75%, and 8.75% respectively [2]

Core Viewpoint - The overall credit growth in China's banking sector has slowed from double digits to single digits, primarily due to insufficient demand, especially from the household sector. However, some regional banks in the Yangtze River Delta continue to show robust credit growth due to local economic vitality [1]. Group 1: Credit Demand and Growth - Insufficient credit demand, particularly from the residential sector, has led to a slowdown in overall credit growth in China's banking industry [1]. - Regional banks in the Yangtze River Delta, such as city commercial banks, have maintained stable credit growth due to strong local economic activity [1][2]. Group 2: Asset Scale Changes - The asset scale rankings among city commercial banks in the Yangtze River Delta have shifted, with Jiangsu Bank reaching a scale of 4 trillion yuan, surpassing Beijing Bank to become the second-largest city commercial bank in China [3]. - Ningbo Bank has overtaken Shanghai Bank, with asset totals of 3.4 trillion yuan and 3.27 trillion yuan, respectively, as of the end of Q1 [3][6]. Group 3: Q1 Performance Highlights - Q1 is typically a peak period for commercial bank lending, contributing significantly to overall credit growth. Despite a general slowdown, banks in the Yangtze River Delta achieved an average asset growth rate of 7% in Q1 [4]. - Jiangsu Bank, Ningbo Bank, Shanghai Bank, Nanjing Bank, and Hangzhou Bank reported significant asset growth, with Jiangsu Bank leading with a 12.84% increase [6]. Group 4: Interest Income and Revenue Growth - Net interest income for banks in the Yangtze River Delta has seen substantial growth, with Jiangsu Bank, Ningbo Bank, Shanghai Bank, Nanjing Bank, and Hangzhou Bank all reporting double-digit increases [8]. - The average revenue growth for city commercial banks in the Yangtze River Delta was approximately 5% in Q1, outperforming the average growth of 1.59% for listed city commercial banks [11]. Group 5: Non-Interest Income and Investment Gains - Non-interest income, particularly from investment gains, has also shown strong performance, with Jiangsu Bank, Ningbo Bank, and Nanjing Bank reporting investment income growth around 30% [12]. - Investment income has become a significant contributor to overall revenue, with some banks achieving over 100% growth in this area [13].

以下文章来源于数据宝 ，作者张智博 数据宝 . 数据宝——证券时报智能原创新媒体，中国股市大数据新媒体领先品牌，依托证券时报财经数据库和证监 会指定信息披露媒体的权威信息，让您用手机也能从海量数据中获得有用的决策信息支持，数据是个宝， 炒股少烦恼！ A股一季报披露正式收官。今年一季度，机构投资者钟情哪些上市公司，又进行了哪些调仓换股动作？ 证券时报·数据宝制作发布《2025年一季报社保基金持股榜》《2025年一季报QFII持股榜》与《2025年一季报基金 持股榜》，纵览三大市场机构最新动向。 社保基金持股榜：持仓三一重工超33亿元 作为A股市场的"国家队"，社保基金的持股动向备受关注。据数据宝统计，不含社保基金理事会持股，截至一季 度末，社保基金共计现身597家上市公司前十大流通股东名单，总持股量109.13亿股，同比下降11.26%；总持股市 值1739.45亿元，同比下降6.43%。拉长时间线来看，这两项数据均维持在相对高位。 以申万行业划分，社保基金对于机械设备、基础化工、电子、有色金属、电力设备、医药生物板块的持股市值均 在130亿元以上。其中，对医药生物板块公司持有数量最多，共计61家；对有色金属公 ...

Core Viewpoint - Nanjing Bank reported significant growth in revenue and net profit, with total revenue increasing by 11.32% to 50.273 billion yuan and net profit rising by 9.05% to 20.177 billion yuan, despite challenges in personal banking profitability [1][2]. Financial Performance - Total assets reached 2.5914 trillion yuan, an increase of 303.12 billion yuan, representing a growth of 13.25% [1]. - Total loans grew at a double-digit rate, with corporate loans at 936.204 billion yuan (up 14.86%) and retail loans at 320.194 billion yuan (up 12.75%) [1]. - Non-interest income rose to 23.646 billion yuan, a year-on-year increase of 19.98%, accounting for 47.04% of total revenue [5]. Personal Banking Challenges - Personal banking profits turned to a loss of 1.199 billion yuan, a decline of over 142% compared to the previous year's profit of 2.848 billion yuan [2]. - Operating expenses for personal banking increased by nearly 43%, from 9.616 billion yuan to 13.743 billion yuan [2]. - Net income from fees and commissions shifted from 447 million yuan to a loss of 1.059 billion yuan, a drop of over 337% [2]. Asset Quality Management - The non-performing loan (NPL) ratio for personal loans was 1.29%, a decrease of 0.21 percentage points from the previous year [3]. - The bank's strategy includes optimizing retail asset management and enhancing the quality of retail loans [3]. Investment Strategy - Financial investment scale increased by approximately 1.1 trillion yuan, with an 11% growth [4]. - Investment income was 1.318 billion yuan, down 8.08%, while fair value changes yielded 7.377 billion yuan, up 329.48% [5]. - The bank's proactive strategy involved adjusting operations to seek excess returns and managing market fluctuations effectively [6].

从净利润来看，去年净利润水平最高的是江苏银行，也是四家银行中唯一一家净利润在300亿元以上 的，为333.06亿元，同比增长10.97%。其次是，宁波银行272.21亿元，同比增长6.29%；上海银行235.60 亿元，同比增长4.38%；南京银行203.65亿元，同比增长9.31%。 今年一季度，江苏银行单季净利润突破100亿元，达到了100.92亿元，其后依次是宁波银行、上海银 行、南京银行，分别为74.56亿元、61.39亿元、62.92亿元。 三大业务板块动能切换 利息净收入、手续费及佣金净收入、投资净收入是银行的三大主要营收来源，也可以基本反映出对公、 零售、金市三大业务板块的发展情况。 近期，长三角头部的四家城商行——江苏银行、上海银行、宁波银行、南京银行的2024年及今年一季度 财报均已披露完毕。综合比较四家银行财报数据，江苏银行依旧稳稳占据"老大哥"地位，但后三位小弟 也在去年各有亮点。 资产是银行发展的底盘，从总资产来看，截至一季度末，最高的是江苏银行，为4.46万亿元；其次是宁 波银行，为3.40万亿元，首次超过上海银行，上海银行则是为3.27万亿元。南京银行目前最低，为2.77 万亿元。 ...

此前，南京银行披露了其2024年和2025年一季度的业绩报告。截至2024年末，南京银行资产总额2.59万 亿元，较上年末增加3031.24亿元，增幅13.25%；贷款总额1.26万亿元，较上年末增加1573.25亿元，增 幅14.31%；负债总额为2.40万亿元，较上年末增加2837.61亿元，增幅13.41%；存款总额1.50万亿元，较 上年末增加1267.64亿元，增幅9.26%。 营收方面，去年南京实现营业收入502.73亿元，较去年增加51.14亿元，同比增长11.32%；实现归属于 母公司股东的净利润201.77亿元，较去年增加16.75亿元，同比增长9.05%。今年一季度，南京银行营业 收入进一步增长至141.90亿元，同比增幅6.53%。 资产质量方面，2024年，南京银行不良贷款率0.83%；拨备覆盖率335.27%，资产质量平稳运行。净资 产收益率(ROE)12.97%；总资产收益率(ROA)0.83%。净利差1.64%，净息差1.94%。2024年末，公司核 心一级资本充足率、一级资本充足率及资本充足率分别为9.36%、11.12%及13.72%。 南方财经全媒体记者 吴霜 上海报道 每 ...

Core Viewpoint - Nanjing Bank reported solid financial performance for 2024 and Q1 2025, with revenue and net profit growth, stable asset quality, and effective cost management [1][2][3] Financial Performance - In 2024, the company achieved revenue of 50.273 billion yuan, up 11.32% year-on-year, and a net profit attributable to shareholders of 20.177 billion yuan, up 9.05% year-on-year [1] - For Q1 2025, revenue was 14.190 billion yuan, up 6.53% year-on-year, and net profit was 6.108 billion yuan, up 7.06% year-on-year [1] - The company declared a total dividend of 0.56 yuan per share for 2024, resulting in a static dividend yield of 5.35% [1] Asset Growth - By the end of 2024, total loans reached 1.26 trillion yuan, up 14.31% year-on-year, with corporate loans at 936.204 billion yuan and personal loans at 310.194 billion yuan, increasing by 14.86% and 12.75% respectively [1] - Total deposits amounted to 1.50 trillion yuan, up 9.26% year-on-year, with corporate deposits at 1.019369 trillion yuan and personal deposits at 476.498 billion yuan, increasing by 8.14% and 11.69% respectively [1] - As of Q1 2025, total loans and deposits were 1.35 trillion yuan and 1.66 trillion yuan, respectively, reflecting increases of 7.14% and 10.77% from the beginning of the year [1] Interest Income and Cost Management - The net interest margin for 2024 was 1.94%, down 10 basis points year-on-year, which is less than the industry average decline [2] - Interest income increased by 4.62% year-on-year to 26.627 billion yuan in 2024, driven by loan expansion despite a decrease in interest rates [2] - Non-interest income included net fee and commission income of 2.593 billion yuan, down 28.55% year-on-year, and investment income of 20.995 billion yuan, up 26.99% year-on-year for 2024 [2] - The cost-to-income ratio improved to 28.08% in 2024 and 23.80% in Q1 2025, reflecting effective cost management [2] Asset Quality and Risk Management - The non-performing loan (NPL) ratio was stable at 0.83% in 2024, with a coverage ratio of 335.27%, indicating strong risk absorption capacity [3] - For Q1 2025, the NPL ratio remained at 0.83%, with a coverage ratio of 323.69% [3] Profit Forecast - Revenue projections for 2025-2027 are 53.254 billion yuan, 56.784 billion yuan, and 60.696 billion yuan, with net profits of 21.712 billion yuan, 23.426 billion yuan, and 25.392 billion yuan respectively [3] - The projected book value per share for 2025-2027 is 18.76 yuan, 21.09 yuan, and 23.41 yuan, corresponding to price-to-book ratios of 0.56, 0.50, and 0.45 times based on the closing price on April 24 [3]

每经记者 李玉雯 每经编辑 马子卿 4月28日，南京银行（SH601009，股价10.51元，市值1164亿元）召开2024年度暨2025年一季度业绩说明会。 2024年是南京银行新一届领导班子履职的第一年，董事长谢宁在介绍过去一年来的经营业绩时表示，主要经营指标走出的"双U型曲线"得到了确定和延续， 即营收和净利润走出"正U型曲线"、成本和不良率走出"倒U型曲线"，两条曲线在今年一季度得以进一步延展并巩固。 财报显示，南京银行去年营业收入和归母净利润分别突破500亿元和200亿元，同比增速分别为11.32%、9.05%，其中营收增速领跑万亿元规模上市银行。 2024年末，该行总资产跨过2.5万亿元关口，并在今年一季度末进一步攀升至2.76万亿元，不良贷款率0.83%，较2024年初下降0.07个百分点。 就投资者普遍关注的分红问题，谢宁回应称，南京银行2024年度拟派发现金股利超60亿元，占归属于普通股股东净利润的31.74%，股息率在5%以上。同 时，该行响应政策号召增加分红频次，将规范有序推进2025年中期分红。 业绩会上，管理层还就市场关注的稳定息差、资产质量、股东增持等多个热点问题予以回应。 在谈及 ...

进入4月末，区域性银行纷纷交出2024"成绩单"。截至发稿，17家A股上市城商行中，仅有成都银行 （601838）、西安银行（600928）、厦门银行（601187）、贵阳银行（601997）年报尚待正式发布。 报告数据显示，截至2024年末，资产规模达到两万亿元以上的城商行已有6家，分别为北京银行 （601169）、江苏银行（600919）、上海银行（601229）、宁波银行（002142）、南京银行 （601009）、杭州银行（600926）。其中，北京银行资产总额达到4.22万亿元，较2023年增长12.61%。 杭州银行资产总额2.11万亿元，同比增长14.72%，首次突破两万亿元。 成都银行、长沙银行（601577）也属于"万亿俱乐部"。重庆银行（601963）、苏州银行（002966）、青 岛银行（002948）、齐鲁银行（601665）资产规模均保持10%以上的高速增长。 除A股上市城商行外，2024年，徽商银行实现营业收入371.28亿元，同比增长2.10%，实现净利润159.17 亿元，同比增长6.18%；哈尔滨银行2024年实现营业收入142.43亿元，同比增长7.56%，实现归母净利润 ...

《中国经营报》记者注意到，新"国九条"后，沪深交易所分别发布主板、创业板、科创板上市规则征求 意见稿，进一步强调和提高了分红工作对于上市公司的影响。 2025年，南京银行有哪些规划和亮点？南京银行行长朱钢表示，2025年，南京银行将聚焦新五年规划提 出的科创银行、投资银行、财富银行、交易银行和数字银行"五张名片"，加快完善组织架构、理顺体制 机制、优化展业模式，将新的业务增长点和战略支撑点打造得更实更稳，推动改善业务结构、拓宽收入 来源，带动盈利能力稳定提升，同时促进各板块业务实现均衡发展，不断巩固和增强向上向好的经营态 势，增强穿越周期的韧性和底气。 （编辑：朱紫云 校对：颜京宁） 本报记者 郝亚娟 张荣旺 上海、北京报道 4月28日，在南京银行2024年度暨2025年一季度业绩说明会上，南京银行董事长谢宁表示，南京银行 2024年营收、净利润同比分别增长11.32%和9.05%，好于市场、好于预期，且增幅逐季提升。2025年一 季度，营收、净利润分别增长6.53%和7.06%，较上年同期分别提升了3.7个和1.92个百分点。 在分红方面，谢宁提到，南京银行的现金分红率多年来稳定在30%以上。2024年度拟 ...