人民财讯1月22日电，南京银行（601009）1月22日披露2025年度业绩快报，公司2025年实现营业收入 555.4亿元，同比增长10.48%；归属于上市公司股东的净利润218.07亿元，同比增长8.08%。截至报告期 末，公司不良贷款率0.83%，拨备覆盖率313.31%。 ...

证券简称: 南京银行 证券代码: 601009 编号: 2026-003 南京银行股份有限公司 2025 年度业绩快报公告 优先股简称：南银优 2 优先股代码：360024 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。 本公告所载2025年度主要财务数据为初步核算数据，未经会计师事务所审 计，具体数据以南京银行股份有限公司（以下简称"本公司"）2025年度的定期 报告中披露的数据为准，提请投资者注意投资风险。 一、2025年度主要财务数据和指标 单位：人民币亿元 | 项目 | 本报告期 | 上年同期 | 增减变动幅度（%） | | --- | --- | --- | --- | | | （未经审计） | （经审计） | | | 营业收入 | 555.40 | 502.73 | 10.48 | | 营业利润 | 261.74 | 246.88 | 6.02 | | 利润总额 | 260.94 | 246.53 | 5.85 | | 归属于上市公司股东的净 利润 | 218.07 | 201.77 | 8.08 | ...

南财智讯1月22日电，南京银行发布2025年度业绩快报，报告期内公司实现营业收入555.40亿元，同比 增长10.48%；归属于上市公司股东的净利润218.07亿元，同比增长8.08%；基本每股收益1.76元，同比 下降3.83%。 ...

| 项目 | 本报告期 | 上年同期 | 增减变动幅度(%) | | | --- | --- | --- | --- | --- | | | (未经审计) | (经审计) | | | | 营业收入 | 555. 40 | 502. 73 | | 10. 48 | | 营业利润 | 261. 74 | 246. 88 | | 6. 02 | | 利润息额 | 260. 94 | 246. 53 | | 5. 85 | | 归属于上市公司股东的净 | 218. 07 | 201. 77 | | 8.08 | | 利润 | | | | | | 归属于上市公司股东的扣 | 216. 78 | 199. 37 | | 8.73 | | 除非经常性损益的净利润 | | | | | | 基本每股收益(元/股) | 1. 76 | 1.83 | | -3.83 | | 加权平均净资产收益率(%) | 12. 04 | 12. 97 | 下降 0.93个百分点 | | | 项目 | 本报告期末 | 本报告期初 | 增减变动幅度(%) | | | | (未經审计) | (經审计) | | | | 息资产 | 30, 224. 2 ...

南京银行公告，2025年度实现营业收入555.4亿元，同比增长10.48%；净利润218.07亿元，同比增长 8.08%。 ...

Investment Rating - The report provides a "Buy" rating for all major banks analyzed, indicating a positive outlook for the banking sector [7]. Core Insights - The digital renminbi has entered its 2.0 era, transitioning from a central bank liability (M0) to a commercial bank liability (M1), allowing it to earn interest and be included in deposit insurance and reserve requirements [6][14]. - This transformation positions China as the first economy to offer interest on its central bank digital currency (CBDC), fundamentally altering its monetary attributes and creating a new financial paradigm in the digital economy [27]. - The digital renminbi's interest-bearing feature enhances user motivation to hold it, shifting its perception from a mere payment tool to a viable store of value, thus promoting its integration into everyday financial activities [27][28]. Summary by Sections 1. Digital Renminbi 2.0 Era - The digital renminbi (e-CNY) is now classified as a digital deposit currency, which can earn interest and is managed under a new regulatory framework [14]. - Major state-owned banks have begun offering interest on digital renminbi wallet balances, marking a significant shift in its utility and appeal [14][27]. 2. Development Progress and Application Status - The development of the digital renminbi began in 2014, with significant milestones including pilot tests in various cities and the establishment of a comprehensive operational framework by 2025 [32][33]. - As of November 2025, the digital renminbi has processed 34.8 billion transactions amounting to 16.7 trillion yuan, with extensive coverage across multiple provinces and cities [37]. 3. Global CBDC Development Trends - The report identifies three main trends in global CBDC development: active retail CBDC initiatives, innovation in payment systems, and cautious approaches in some countries like the U.S. [6]. - China's proactive stance in developing its CBDC positions it favorably in the global digital economy landscape, particularly in cross-border trade applications [30].

1月以来，债券收益率整体先上后下，上行主要受年初以来股市持续上涨、 风险偏好上升的影响。从经济基本面来看，内需仍然处于回落的趋势中，外需 保持韧性，但对债市影响有限。通胀逐步回升，1月工业品价格也多数上涨，使 得市场通胀预期逐步上行，对债市偏利空。货币政策方面，在央行进行结构性 降息后，短期内进一步降准降息的概率有所下降，但会维持资金面稳定。目前 债市的主要矛盾仍然集中在逐步好转的基本面预期、股市和商品市场的持续上 涨以及风险偏好的整体抬升，利率呈现易上难下的特征。2月处于数据真空期， 预计短期内上述预期持续，对债市较为不利。建议短期内交易盘保持谨慎，配 置盘有年初早配置的需求，可在利率受冲击上行至区间上沿时择机介入。 1 南京银行 2026 年 1 月宏观利率展望 风险偏好抬升，利率易上难下 阿 内容摘要： 宏观经济方面，12月经济显示内需继续放缓，需求端固定资产投资降幅扩 大，其中房地产、制造业、基建投资增速均继续下行。消费增速回落，显示内 需仍然在走弱的过程中。供给端生产略有回升，主要受高技术产业生产加速拉 动。12月CPI和PPI同步回升，显示通胀逐步进入温和上行的趋势中。 1 月以来，资金面月初偏宽 ...

Economic Overview - Domestic demand continues to weaken, with fixed asset investment declining by 3.8% year-on-year, a decrease of 1.2 percentage points from the previous value[8] - Real estate investment dropped by 17.2%, down 1.3 percentage points, indicating ongoing weakness in the sector[9] - Consumer spending growth fell to 0.9% in December, a decline of 0.4 percentage points from the previous month, reflecting weak consumer sentiment[12] Inflation and Production - CPI rose by 0.8% year-on-year in December, up 0.1 percentage points, indicating a mild upward trend in inflation[41] - PPI increased by 0.2% month-on-month, with a year-on-year decline of 1.9%, but the decline is narrowing by 0.3 percentage points compared to the previous month[49] - High-tech industries showed growth, with industrial value-added increasing by 5.9% year-on-year, although overall industrial production growth was slightly down[37] Monetary Policy and Liquidity - The central bank implemented an unexpected structural interest rate cut, indicating a continued commitment to liquidity support[56] - Short-term funding rates remained stable, with DR001 operating within 15 basis points below the policy rate[58] - The central bank's measures include increasing the quota for targeted loans to small and medium-sized enterprises by 1 trillion yuan, reflecting a focus on supporting the real economy[82] Market Trends - Bond yields initially rose but later fell, influenced by rising risk appetite and stock market performance[2] - The overall market sentiment remains cautious, with expectations of continued pressure on bond prices due to improving economic fundamentals and inflation concerns[2] - The trade surplus expanded to $114.14 billion in December, driven by a rebound in exports, particularly in automotive and electronic products[22]

Market Overview - The city commercial bank sector experienced a decline of 0.55% on January 21, with Chongqing Bank leading the drop [1] - The Shanghai Composite Index closed at 4116.94, up 0.08%, while the Shenzhen Component Index closed at 14255.12, up 0.7% [1] Individual Stock Performance - Ningbo Bank closed at 28.88, with an increase of 1.16% and a trading volume of 432,300 shares, amounting to a transaction value of 1.246 billion [1] - Chongqing Bank closed at 10.25, down 1.82%, with a trading volume of 106,800 shares and a transaction value of 110 million [2] - Other notable performers include Xiamen Bank, which closed at 7.13, down 1.66%, and Chengdu Bank, which closed at 15.72, down 1.38% [2] Capital Flow Analysis - The city commercial bank sector saw a net inflow of 508 million from institutional investors, while retail investors experienced a net outflow of 566 million [2] - The capital flow for individual stocks indicates that Hangzhou Bank had a net inflow of 158 million from institutional investors, while it faced a net outflow of 86.5 million from retail investors [3] - Shanghai Bank also saw a net inflow of 107 million from institutional investors, with a net outflow of 121 million from retail investors [3]

近日，南京银行（601009）手机银行App8.0版本正式发布。在金融科技与零售业务深度融合的背景下， 这款全新升级的App，以"智能管钱、专业投资、便捷花钱、精致省钱、安全守护"为定位，通过数字化 统一渠道建设，展现南京银行在零售经营能力建设、前沿科技应用及数字化转型领域的实力。 战略升级：数字化经营能力的体系化突破 数字生态：用户价值导向的数字化转型标杆 南京银行App8.0的升级，是数字化能力向用户价值转化的生动实践。从宏观视角的资产负债全景管理， 到微观场景的每日记账与消费分析；从专业级的投资决策支持，到一键式的跨行资产管理；从场景化贷 款服务的智能匹配，到覆盖日常消费、餐饮、助农等多元领域的"鑫福生活"省钱专区——每一个功能模 块的迭代，都彰显着南京银行对"用户需求在哪里，服务就延伸到哪里"的数字化思维。 作为"精致省钱"板块的核心载体，全新升级的鑫福生活专区整合了鑫选福利、限时特惠、精选商户等多 个模块，覆盖日常消费、餐饮、娱乐、助农等多元生活场景。通过丰富的优惠活动、灵活的分期购、实 用的积分兑换等多种形式，为用户提供高品质、高性价比的生活消费选择，让省钱成为提升生活品质的 有效方式。 南京银行 ...