南京银行股份有限公司关于持股 5%以上股东权益 变动触及 1%刻度的提示性公告 本公司大股东南京紫金投资集团有限责任公司及其控股子公司紫金信托有限责任公 司保证向本公司提供的信息真实、准确、完整，没有虚假记载、误导性陈述或重大遗漏。 本公司董事会及全体董事保证公告内容与信息披露义务人提供的信息一致。 近日，南京银行股份有限公司(以下简称"本公司")收到大股东南京紫金 投资集团有限责任公司（以下简称"紫金集团"）《关于增持南京银行股份有限 公司股份的告知函》，基于对本公司未来发展的信心和价值成长的认可，紫金集 团控股子公司紫金信托有限责任公司（以下简称"紫金信托"）于 2025 年 7 月 18 日至 2025 年 9 月 10 日期间以自有资金通过上海证券交易所交易系统以集中 竞价交易方式增持本公司股份。现将紫金集团及其控股子公司紫金信托有关权益 变动情况公告如下： 一、 信息披露义务人及其一致行动人的基本信息 1.身份类别 证券代码：601009 证券简称：南京银行 公告编号：2025-065 优先股简称：南银优 1 优先股代码：360019 南银优 2 360024 | | □控股股东/实际控制人及其一致 ...

格隆汇9月11日丨南京银行(601009.SH)公布，紫金集团控股子公司紫金信托于2025年7月18日至2025年9 月10日期间，以自有资金通过上海证券交易所交易系统以集中竞价交易方式增持本公司股份5677.98万 股，占本公司总股本的0.46%。紫金集团及其控股子公司紫金信托合计持股比例由12.56%增加至 13.02%，触及1%整数倍。 ...

Group 1 - Recent announcements from banks such as Suzhou Bank, Qingdao Bank, and Nanjing Bank indicate that major shareholders and executives plan to increase their holdings in their respective banks, reflecting confidence in the long-term prospects of the Chinese capital market and the banks' investment value [1][2] - Suzhou Bank's chairman and other executives intend to collectively purchase at least 4.2 million yuan worth of A-shares between September 8 and December 31, funded by their own resources [1] - Qingdao Bank's major shareholder plans to acquire between 233 million and 291 million shares, increasing their stake to between 19.00% and 19.99% within six months from the announcement [1] Group 2 - Nanjing Bank's shareholder, Nanjing Gaoke, increased its stake from 8.94% to 9.00% by purchasing 7.5077 million shares between July 24 and August 4, demonstrating confidence in the bank's future development [2] - More than ten listed banks have reported similar plans for share buybacks this year, indicating a broader trend of confidence among bank executives and major shareholders regarding future growth and profitability [2] - The overall performance of the banking sector has improved, with a year-on-year increase in operating income and net profit of 1.0% and 0.8%, respectively, supported by growth in non-interest income [2] Group 3 - Insurance capital has shown a preference for bank stocks, with over 700 stocks appearing in the top ten circulating shareholders of A-share listed companies, and six of the top ten heavyweights being bank stocks [3] - The stability and quality of bank assets have attracted long-term funds, as banks provide high and stable dividend yields, making them appealing in the current "asset scarcity" environment [3] - The investment logic for bank stocks has shifted from a "growth cycle" based on macroeconomic factors to a focus on "low volatility dividends" driven by asset scarcity, with state-owned banks being core dividend assets due to their high yields and low valuations [3]

Group 1 - The core point of the article highlights a significant reshuffling in the ranking of China's city commercial banks, with Jiangsu Bank surpassing Beijing Bank to become the largest by total assets, reaching 4.79 trillion yuan, a 21% increase from the previous year [1][3] - The top three city commercial banks now include Jiangsu Bank, Ningbo Bank, and Nanjing Bank, with Ningbo Bank achieving 3.47 trillion yuan in assets, surpassing Shanghai Bank for the first time [1][3] - The performance of banks in the Yangtze River Delta region is notably strong, with Jiangsu, Ningbo, and Nanjing banks all reporting net profit growth exceeding 8%, significantly outpacing Beijing Bank and Shanghai Bank [3] Group 2 - Jiangsu Bank's corporate loan balance surged by 300 billion yuan in the first half of the year, reflecting a 23.3% increase, while Ningbo Bank's corporate loans grew by 21.34%, indicating robust growth in public business [3][4] - The competitive landscape is intensifying, with lower-ranked banks like Xiamen International Bank and Shengjing Bank facing challenges, including low net profit and asset quality pressures [3][4] - Despite the general pressure of narrowing net interest margins, leading banks like Jiangsu and Nanjing have managed to optimize their liability structures, achieving a reverse increase in interest margins, showcasing strong operational resilience [4]

2025 年第一次临时股东大会资料 股票代码：601009 南京银行股份有限公司 二〇二五年九月 南京银行股份有限公司 2025 年第一次临时股东大会会议须知 为维护全体股东的合法权益，确保股东大会的正常秩序和议事效率，保证股 东大会的顺利召开，根据中国证监会《上市公司股东大会规则》、公司《章程》 和公司《股东大会议事规则》等规定，特制定本须知。 一、公司根据《公司法》《证券法》《上市公司股东大会规则》和公司《章 程》的规定，认真做好召开股东大会的各项工作。 二、会议主持人在议案表决前宣布现场出席会议的股东和代理人数及其所持 有表决权的股份总数时，会议登记终止。 三、股东参加股东大会，应当认真履行其法定义务，会议开始后应将手机铃 声置于无声状态，尊重和维护其他股东合法权益，保障大会的正常秩序。 四、股东参加股东大会依法享有表决权、发言权、质询权等权利。根据公司 《章程》规定，于股权登记日（即 2025 年 9 月 9 日）在公司借款逾期未还的股 东，或股东质押本公司股权数量达到或超过其持有本公司股权的 50%时，其在股 东大会上的表决权将被限制。 五、股东需要发言的，需先经会议主持人许可，方可发言。股东发言时 ...

Core Viewpoint - The nine listed banks in Jiangsu have demonstrated steady growth in their mid-year performance for 2025, with overall positive trends in their financial results [1][2]. Financial Performance - As of June 30, total assets reached 4.79 trillion yuan, a significant increase of 21.16% compared to the end of the previous year [2] - Jiangsu Bank reported operating income of 44.864 billion yuan, up 7.78% year-on-year, and net profit attributable to shareholders of 20.238 billion yuan, an increase of 8.05% [2] - Nanjing Bank achieved operating income of 28.48 billion yuan, growing 8.64% year-on-year, and net profit of 12.619 billion yuan, up 8.84% [2] - Jiangsu Bank and Nanjing Bank's stock prices have risen approximately 80% and 67% respectively from early 2024 to mid-2025, leading to market capitalizations of 195.6 billion yuan and 137.2 billion yuan [3]. Innovation in Financial Services - Jiangsu banks are addressing the financing challenges faced by technology enterprises lacking physical collateral through innovative financial solutions [4] - Suzhou Bank successfully executed the first national case of data intellectual property license income rights pledge financing, providing 3 million yuan to a tech company [4] - Jiangsu Bank's "Science and Technology e-loan" enabled a biotech firm to secure 10 million yuan in just two working days, showcasing the efficiency of their digital financial services [5]. Focus on Inclusive Finance - Several banks have prioritized inclusive finance as a core strategy to tackle financing difficulties for small and micro enterprises [7] - Changshu Bank's "Changyin Microfinance Model" has resulted in 72.11% of its loans being 10 million yuan or less, with a significant focus on the e-commerce sector [7] - Su Nong Bank has established a dedicated team for technology finance, successfully launching the first "loan + equity" business in the province [7]. Agricultural and Rural Finance - Zijin Bank has differentiated itself by focusing on agricultural finance, creating a specialized "Three Rural Center" to enhance rural service offerings [8] - As of June 30, Zijin Bank's loans for agriculture and small enterprises reached 128.38 billion yuan, accounting for 66.89% of its total loans, marking a 2.29 percentage point increase since the beginning of the year [8]. Conclusion - Overall, the nine listed banks in Jiangsu are solidifying their operational foundations through robust performance, innovative services to address financing bottlenecks for technology firms, and targeted strategies to invigorate the small and micro economy, thereby contributing to high-quality regional economic development [6][8].

Investment Rating - The report maintains an "Increase" rating for the banking sector, indicating a positive outlook for the industry [1]. Core Insights - In the first half of 2025, the contribution of financial asset disposal gains from AC and OCI accounts to revenue reached 5.2%, an increase of 2.9 percentage points compared to 2024 [1][2]. - The investment income growth rate for 42 listed banks was 23.6%, with AC, OCI, and TPL gains showing year-on-year growth rates of 134.7%, 79.0%, and -8.4% respectively [1]. - The report highlights that the increase in disposal gains does not necessarily indicate a significant increase in asset disposal scale, as market conditions and strategies vary among banks [2]. Financial Asset Disposal Gains - The contribution of AC and OCI financial asset disposal gains to revenue was 5.2%, up 2.9 percentage points from 2024, with AC asset disposal gains contributing 2.6% [2]. - Among different types of banks, rural commercial banks had the highest contribution from AC and OCI disposal gains, reaching 11.0%, an increase of 6.2 percentage points from 2024 [2]. - Specific banks such as Jiangyin Bank, Sunong Bank, and Zijin Bank had high disposal gain ratios relative to their revenue, at 28.9%, 26.7%, and 22.7% respectively [2]. OCI Floating Profit Situation - The overall OCI floating profit decreased compared to the end of the previous year, accounting for 12.6% of the estimated profit for 2025 [3]. - Major state-owned banks like CCB and ABC reported significant OCI floating profits, with balances exceeding 30 billion [3]. - The average contribution of OCI floating profits to profits for city and rural commercial banks was notably high, with Ningbo Bank's ratio reaching 35% [3][6]. Sector Trends - The banking sector is expected to benefit from expansionary policies aimed at stabilizing the economy, with a focus on real estate and consumer spending [7]. - The report suggests a focus on banks with improving fundamentals, such as Ningbo Bank, and those with dividend strategies like Jiangsu Bank and Chengdu Bank [7]. - Attention is also drawn to banks with potential convertible bond conversion expectations, including Shanghai Bank and Industrial Bank [7].

Group 1 - The core viewpoint of the news is the successful launch of the integrated foreign currency account by Nanjing Bank Hangzhou Branch, which meets the multi-currency settlement needs of a technology company in Zhejiang [1][2] - The technology company, established in 2015 with a registered capital of 10 million yuan, primarily provides cloud services to overseas clients and has a high demand for multi-currency settlements [1] - The integrated foreign currency account simplifies the account opening process, significantly improves operational efficiency, and supports multi-currency settlements, providing a more efficient solution for cross-border capital flow [1][2] Group 2 - The integrated foreign currency account is an important innovation promoted by the People's Bank of China to enhance cross-border financial management [2] - As one of the first pilot institutions in Zhejiang Province, Nanjing Bank Hangzhou Branch aims to support more small and micro enterprises in expanding their international markets [2] - This business model reduces financial costs and operational difficulties for enterprises by managing multiple currencies through a single account, aligning with the bank's commitment to serve the real economy with professionalism and efficiency [2]

Core Viewpoint - Recent personnel changes at Xinyuan Fund Management Co., Ltd., which manages over 210 billion yuan, have raised market concerns, particularly the adjustment of veteran executive Wang Hui from Deputy General Manager to Senior Specialist due to "work arrangements" [1][2]. Group 1: Personnel Changes - Wang Hui, who has been with Xinyuan Fund since its inception in August 2013 and served as Deputy General Manager for over nine years, has been reassigned to a less influential role [2][3]. - The adjustment is notable as it reflects the increasing control of the major shareholder, Nanjing Bank, over Xinyuan Fund, with a significant presence of Nanjing Bank personnel in the executive team [3]. Group 2: Financial Performance - Xinyuan Fund reported a revenue of 356 million yuan for the first half of 2025, marking a year-on-year increase of 17.49%, and a net profit of 107 million yuan, up 15.03% [2]. - As of the end of the first half of 2025, the fund's management scale reached 211.78 billion yuan [2]. Group 3: Business Structure Challenges - The fund's business structure is heavily reliant on fixed-income products, with bond and money market funds accounting for 98% of the total scale, while mixed and equity funds only represent less than 1.5% [4]. - Despite strong performance in a bond bull market, the fund's one-year and two-year returns of 2.58% and 5.49% are below the industry averages of 15.69% and 9.53%, respectively [4]. Group 4: Efforts in Equity Investment - To address the structural issues, Xinyuan Fund has been actively expanding its equity investment capabilities, launching nine new funds in the past year, five of which are index equity funds [5]. - The fund has promoted four new equity fund managers, all of whom were internally trained [5]. Group 5: Future Outlook - The performance of the newly appointed management team from Nanjing Bank in breaking the fund's reliance on fixed-income products and successfully developing equity business will be a key indicator of the effectiveness of the recent personnel changes [6]. - The case of Xinyuan Fund illustrates the broader challenges faced by bank-affiliated fund companies in transitioning their business models amid regulatory encouragement for equity fund development [6].

Investment Rating - The investment rating for the company is "Buy" and is maintained [9]. Core Views - The company's mid-year performance in 2025 continues to show a double U-shaped high-quality development, with a year-on-year revenue growth of 8.6% and a net profit growth of 8.8% in the first half of the year. The second quarter saw revenue and net profit growth both exceeding 10% [2][6]. - Total assets and loan growth have improved compared to the same period last year, with loans increasing by 10.4%, driven by a significant 12.7% growth in corporate loans. The net interest margin stands at 1.86%, down 8 basis points from the full year of 2024, with an accelerating improvement in funding costs expected to stabilize the margin [2][6]. - Asset quality remains robust, with a non-performing loan ratio of 0.84% at the end of the first half, and a provision coverage ratio of 312%, indicating a strong absolute level [2][6]. - The company's current price-to-book (PB) ratio is 0.76x, with an expected dividend yield of 4.8%, highlighting its attractive valuation [2][6]. Summary by Sections Financial Performance - In the first half of 2025, the company's revenue grew by 8.6% year-on-year, with Q1 growth at 6.5% and Q2 at 10.8%. Net profit increased by 8.8%, with Q1 at 7.1% and Q2 at 10.6% [6]. - The net interest income growth was 22.1%, with significant contributions from strong credit expansion in Q2. Non-interest income saw a decline of 4.3% [13]. - The cost-to-income ratio improved, decreasing by 0.6 percentage points to 25.1% [13]. Loan and Deposit Growth - Total assets increased by 12.0% compared to the beginning of the year, with loans growing by 10.4%. Corporate loans saw a notable increase of 12.7% [13]. - Retail loans grew by 3.7%, with housing loans increasing by 8.6% due to a recovery in the Nanjing real estate market [13]. Interest Margin and Cost - The net interest margin is reported at 1.86%, with a projected stabilization due to improving funding costs. The loan yield has decreased by 24 basis points to 4.56% [13]. - The cost of deposits has decreased by 23 basis points to 2.11%, contributing to the overall improvement in the interest margin [13]. Asset Quality - The non-performing loan generation rate has decreased, reflecting an increase in low-risk loans. The corporate loan non-performing rate is at 0.65%, while retail loans are at 1.43% [13]. - The company maintains a strong asset quality profile, with a provision coverage ratio of 312% [2][6].