2025 年第二次临时股东大会资料 股票代码：601009 二〇二五年十一月 南京银行股份有限公司 南京银行股份有限公司 2025 年第二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。 九、公司不向参加股东大会的股东发放礼品，不负责安排参加股东大会股东 的住宿和接送等事项，以平等对待所有股东。 十、公司董事会聘请律师事务所执业律师参加本次股东大会，并出具法律意 见。 南京银行股份有限公司 2025 年第二次临时股东大会议程 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》 ...

南京银行股份有限公司（以下简称"本公司"）第十届监事会第十一次会议 于 2025 年 10 月 27 日以现场方式在本公司河西总部大楼召开。会议通知及会议 文件已于 2025 年 10 月 17 日发出。会议由吕冬阳先生提议召开并主持。会议应 到监事 9 人，实到监事 9 人。会议符合《中华人民共和国公司法》《中华人民共 和国证券法》等法律、法规及《南京银行股份有限公司章程》的有关规定。会议 表决和通过了如下决议： 一、关于审议《南京银行股份有限公司 2025 年第三季度报告》的议案 表决结果：同意 9 票；弃权 0 票；反对 0 票。 证券简称: 南京银行 证券代码: 601009 编号: 2025-074 优先股简称：南银优 1 优先股代码：360019 南银优 2 360024 南京银行股份有限公司 第十届监事会第十一次会议决议公告 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。 1 会议对本公司 2025 年第三季度报告发表书面意见如下： 1.董事会的编制和审议程序符合法律、行政法规和中国证监会的规定； 具 ...

证券简称: 南京银行 证券代码: 601009 编号: 2025-073 优先股简称：南银优 1 优先股代码：360019 南银优 2 360024 南京银行股份有限公司 第十届董事会第十四次会议决议公告 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、准确性和完整性承担法律责任。 会议对如下议案进行了审议并表决： 一、关于审议《南京银行股份有限公司 2025 年第三季度报告》的议案 本议案已经本公司董事会审计委员会事前认可。 同意 10 票；弃权 0 票；反对 0 票。 具体详见本公司在上海证券交易所披露的《南京银行股份有限公司 2025 年 第三季度报告》。 南京银行股份有限公司（以下简称"本公司"）第十届董事会第十四次会议 于 2025 年 10 月 27 日以现场会议方式在本公司河西总部大楼召开。会议通知及 会议文件已于 2025 年 10 月 16 日以电子邮件方式发出。谢宁董事长主持了会议。 本次董事会会议应到有表决权董事 10 人，实到董事 10 人。本公司监事及高级管 理人员列席了本次会议。会议符合《中华人民共和国公司法》《中华 ...

证券简称: 南京银行 证券代码: 601009 编号: 2025-076 优先股简称：南银优 1 优先股代码：360019 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： ●分配比例：每股派送现金股利人民币 0.3062 元（含税）。 ●本次利润分配以实施权益分派股权登记日登记的普通股总股本为基数，具 体日期将在权益分派实施公告中明确。 ●本公司2024年年度股东大会已授权董事会决定2025年中期利润分配事项， 本次利润分配方案经董事会审议通过后即可实施。 一、利润分配方案 南银优 2 360024 南京银行股份有限公司 2025 年中期利润分配方案公告 特别提示： 1 南京银行股份有限公司（以下简称"本公司"）根据安永华明会计师事务所 （特殊普通合伙）审阅的 2025 年半年度财务报表，母公司 2025 年半年度实现净 利润为人民币 120.76 亿元，经董事会审议，本公司 2025 年中期利润分配方案如 下： 2025年5月16日，本公司2024年年度股东大会审议通过《关于提请南京银行 股份有限公司股东大会 ...

Financial Performance - The company's operating revenue for Q3 2025 was CNY 13,468,596, representing a year-on-year increase of 9.12%[4] - The net profit attributable to shareholders for Q3 2025 was CNY 5,385,651, reflecting a year-on-year growth of 6.26%[4] - The net cash flow from operating activities for the first nine months of 2025 reached CNY 174,518,916, a significant increase of 334.07%[4] - The company achieved an operating income of CNY 419.49 billion, representing an 8.79% increase year-on-year[21] - The net interest income was CNY 252.07 billion, up by 28.52% year-on-year, accounting for 60.09% of total operating income[21] - The non-interest net income decreased to CNY 167.42 billion, down 11.63% year-on-year, making up 39.91% of total operating income[21] - The bank's total profit for the first nine months was RMB 21,424,980 thousand, up from RMB 20,403,475 thousand in the previous year, reflecting a growth of 5%[51] - The net profit attributable to shareholders reached CNY 18.005 billion, an increase of 8.06% compared to the same period last year[22] Assets and Liabilities - The total assets as of September 30, 2025, amounted to CNY 2,962,307,669, marking a year-on-year increase of 14.31%[5] - The total liabilities of the company amounted to CNY 27,468.16 billion, growing by CNY 3,473.73 billion or 14.48% year-on-year[20] - The total deposits increased to CNY 16,405.55 billion, reflecting a growth of CNY 1,443.83 billion or 9.65% from the previous year[20] - The total loans reached CNY 14,114.81 billion, which is an increase of CNY 1,550.83 billion or 12.34% compared to the previous year[20] - The bank's total assets increased to ¥2,962,307,669 as of September 30, 2025, compared to ¥2,591,399,702 at the end of 2024[49] Shareholder Information - The number of ordinary shareholders at the end of the reporting period was 76,761[11] - The top shareholder, BNP Paribas (including QFII), held 2,119,700,918 shares, accounting for 17.14% of the total shares[12] - The company reported a total shareholding increase of 1,034,444,310 shares by shareholders holding more than 1% of the shares, representing 8.37% of the total share capital at the end of the reporting period[16] Loan and Financial Ratios - The non-performing loan ratio remained stable at 0.83%, with a provision coverage ratio of 313.22%[23] - Corporate loan balance was CNY 1,073.14 billion, growing by CNY 136.93 billion or 14.63% year-on-year, with green finance loans increasing by 33.03%[24] - Personal loan balance increased to CNY 338.35 billion, a growth of CNY 18.15 billion or 5.67% year-on-year[26] - The personal loan non-performing rate improved to 1.33%, a decrease of 10 basis points from the previous quarter[26] - The normal loan migration rate decreased to 0.75% as of September 30, 2025, down from 1.08% in December 2024 and 1.39% in December 2023[35] - The provision coverage ratio for non-performing loans was 313.22% as of September 30, 2025, indicating robust risk management[39] Capital and Liquidity - The total capital net amount reached ¥261,732,675, with a core Tier 1 capital of ¥184,033,857 as of September 30, 2025[36] - The capital adequacy ratio stood at 13.64%, while the Tier 1 capital adequacy ratio was 11.11% as of September 30, 2025[37] - The liquidity coverage ratio was reported at 151.01%, indicating strong liquidity position[42] - The net stable funding ratio was 111.79%, reflecting a solid funding structure[44] - The bank's leverage ratio was reported at 6.24% as of September 30, 2025, showing a stable capital structure[45] Business Growth and Innovation - The company maintained a focus on innovation-driven development in various financial sectors, including technology finance and green finance[19] - The company reported a significant increase in gold and precious metals business scale, with a total of CNY 7,201,046 for Q3 2025[7] - The company’s debt investment scale increased by 46.14%, reaching CNY 459,926,851[7] - The retail segment achieved revenue of CNY 11.70 billion, with a year-on-year growth rate of 22.10%[26] - The total assets under custody reached CNY 3.97 trillion, an increase of 16.42% compared to the previous year[27] - The number of international business clients grew by 28.38% year-to-date, reaching 12,838 clients[24] Other Financial Metrics - The weighted average return on equity for Q3 2025 was 2.88%, a decrease of 0.38 percentage points compared to the previous year[4] - The basic earnings per share for Q3 2025 was CNY 0.42, down 10.64% year-on-year[4] - The cost-to-income ratio stood at 23.27%[21] - The cost-to-income ratio improved to 23.27% for the third quarter of 2025, down from 25.68% in the previous quarter[39] - Other comprehensive income after tax showed a loss of RMB 2,726,374 thousand, compared to a gain of RMB 1,146,772 thousand in the previous year[51]

Core Insights - Nanjing Bank reported third-quarter revenue of 13.469 billion, representing a year-on-year increase of 9.12% [1] - The net profit for the third quarter was 5.386 billion, showing a year-on-year growth of 6.26% [1] - For the first three quarters, the total revenue reached 41.949 billion, with a year-on-year increase of 8.79% [1] - The net profit for the first three quarters was 18.005 billion, reflecting a year-on-year growth of 8.06% [1]

Investment Rating - The investment rating for the industry is "Positive" (maintained) [1] Core Insights - The report highlights that retail non-performing loan (NPL) rates and generation rates are currently high, indicating ongoing pressure on bank profitability. Despite a low overall NPL rate, the retail sector shows signs of risk, with a marginal increase in the NPL rate to 1.28% [14][15] - The transition period for new risk regulations is nearing its end, with concerns about the impact on banks' provisioning levels. However, the report suggests that the actual impact may be less severe than market expectations [16] - The trend of de-collateralization in bank lending is evident, driven by both business characteristics and strategic choices made by banks to reduce reliance on collateralized loans [17] Summary by Sections 1. Retail NPL and Generation Rates - The retail NPL rate has increased to 1.28%, with a steepening curve indicating ongoing risk. The generation rate for retail loans remains high, with significant increases noted in certain banks [14][18] - The report indicates that while the overall NPL rate is low, the divergence between overdue and NPL indicators suggests underlying risks in the retail sector [19] 2. Impact of New Risk Regulations - The new risk regulations will require banks to classify impaired loans as NPLs, potentially increasing reported NPL rates. However, the report anticipates that the actual provisioning pressure may be manageable [16][17] 3. De-Collateralization in Lending - The report notes a significant decline in the proportion of collateralized loans, with banks shifting towards non-collateralized lending strategies. This shift is influenced by the need to manage risk more effectively [17][18] 4. Investment Recommendations - The report recommends certain state-owned banks due to their customer base advantages and manageable retail risk pressures. It also highlights specific banks such as CITIC Bank and Agricultural Bank of China as beneficiaries of this trend [6]

1. Overnight Night Market Trends - INTERNATIONAL PRECIOUS METALS: COMEX gold futures fell 0.45% to $4126.90 per ounce, down 2.05% for the week; COMEX silver futures dropped 0.60% to $48.41 per ounce, down 3.38% for the week [4] - CRUDE OIL: The U.S. oil main contract fell 0.57% to $61.44 per barrel, up 7.51% for the week; Brent crude's main contract declined 0.57% to $64.92 per barrel, up 7.06% for the week [5] - LONDON BASE METALS: LME copper rose 0.85% to $10947 per ton, up 3.23% for the week; LME lead increased 0.30% to $2016.50 per ton, up 2.36% for the week; LME zinc edged up 0.07% to $3019.50 per ton, up 2.93% for the week; LME aluminum dropped 0.21% to $2856.50 per ton, up 2.84% for the week; LME nickel fell 0.25% to $15325 per ton, up 1.32% for the week; LME tin declined 0.34% to $35650 per ton, up 1.75% for the week [5] - DOMESTIC FUTURES: As of the close on October 24 at 23:00, domestic futures' main contracts mostly rose. Low - sulfur fuel oil, LPG, and fuel oil rose over 1%, while asphalt, coking coal, and rapeseed meal had small increases. Synthetic rubber, caustic soda, corn, and sugar slightly declined [5] 2. Important Information Macroeconomic Information - President Xi Jinping will visit South Korea from October 30 to November 1 to attend the 32nd APEC Economic Leaders' Meeting and conduct a state visit [8] - The "Proposal of the Central Committee of the Communist Party of China for Formulating the 15th Five - Year Plan for National Economic and Social Development" aims to break market barriers [8] - The central bank will conduct 900 billion yuan of MLF operations on October 27 [8] - The China Securities Regulatory Commission emphasizes enhancing the resilience and risk - resistance of the capital market [8] - Shipping indices show an increase in export container freight rates [9] - The central bank will adjust monetary policy according to economic and financial conditions and maintain the stability of the RMB exchange rate [9][10] - U.S. September CPI is slightly lower than expected, paving the way for a rate cut [10] - U.S. October PMI data shows improvement [10] - China and the U.S. held economic and trade consultations in Kuala Lumpur, reaching preliminary consensus on multiple issues [10][11] Energy and Chemical Futures - Russia's central bank forecasts average oil prices for 2025 and 2026 [12] - India's Reliance Industries bought hundreds of thousands of barrels of crude oil due to concerns about supply disruptions [14] Metal Futures - China's non - ferrous metal industry had a good performance in the first three quarters [16] - Last week, copper, aluminum, zinc, and lead inventories decreased, while nickel and tin inventories increased [17] - This month's estimated retail sales of narrow - sense passenger cars are about 2.2 million, with a decline in both month - on - month and year - on - year terms, and the penetration rate of new energy vehicles may reach 60% [17] Black - Series Futures - In mid - October, steel production of key enterprises had different trends in daily output [19] - The Ministry of Industry and Information Technology solicits opinions on the "Implementation Measures for Capacity Replacement in the Iron and Steel Industry", with specific replacement ratios and restrictions [19][21] - Some steel mills in Tangshan and Xingtai plan to raise coke prices [21] - This week's total urban inventory of steel decreased [22] - Shanxi is increasing coal production to meet winter demand, with a 3.7% year - on - year increase in the first three quarters [22] Agricultural Futures - Pig - farming losses have decreased [24] - Pig and pork prices are expected to stop falling and rise slightly in the second half of the fourth quarter [25] - In the 43rd week, soybean crushing volume in oil mills exceeded expectations [25] - Imported cotton port inventory increased slightly [26] - The domestic edible vegetable oil market is expected to have stable prices, while palm oil prices may rise slightly [28] - Malaysia's October 1 - 25 palm oil exports are expected to decline 0.4% [29] 3. Financial Markets Finance - Many A - share companies released positive third - quarter reports, with some having significant profit growth [31] - Fund managers will adjust investment strategies based on third - quarter reports, focusing on technology stocks [31] - As of the end of the third quarter, social security funds held shares in 135 stocks, with new entries, increases, and decreases in positions, and increased investment in technology sectors [32] - Many A - share companies were surveyed by institutions, with technology stocks being popular [34] - Many companies distributed dividends, and some will distribute more in the future [34] - Nearly 2000 public funds' third - quarter reports show that innovation - related assets are the main allocation [34] - The market sentiment has stabilized, and the subsequent adjustment space may be limited [34] - Hong Kong stocks' "B - series" varieties are being sold by pharmaceutical fund managers, and innovation - drug funds are entering the stock - selection stage [35] Industry - A draft regulatory guideline for public fund performance comparison benchmarks may be released soon, and many funds have adjusted their benchmarks this year [36] - Banks have raised the minimum investment threshold for gold accumulation, and short - term gold price fluctuations may be normal [38] - Gold jewelry brands have raised prices, mainly to increase processing fees and maintain stable margins [38] - Many real - estate companies have made breakthroughs in debt restructuring [38] - As of September, China's power generation installed capacity increased, with significant growth in solar and wind power [39] - The flu vaccine vaccination season has arrived, with different price trends for different vaccines [39] - Multiple paper companies will raise the price of white cardboard from November 1 [39] Overseas - The U.S. and Vietnam, Thailand, Malaysia, and Cambodia reached trade - related agreements [41][42] - The U.S. Treasury Secretary believes inflation will continue to decline, and the government shutdown is eroding the economy [42] - The U.S. government shutdown may last until the end of November [43] - The IMF President suggests that ASEAN economies strengthen their fundamentals and predicts that AI will affect a large proportion of jobs [43] International Stock Markets - European countries will implement winter time starting Monday, adjusting trading and data - release times [45] Bonds - As of October 24, the issuance scale of securities firms' science and technology innovation bonds this year reached 59.17 billion yuan, and it is expected to continue growing [46] 4. Upcoming Economic Data and Events Economic Data - Various economic data will be released on October 27, including Japan's September corporate service price index, China's September industrial enterprise profits, etc. [48] Events - The central bank has 7000 billion yuan of 1 - year MLF and 189 billion yuan of 7 - day reverse repurchases maturing [50] - The governor of the Reserve Bank of Australia will participate in a talk [50] - There are new stock subscriptions and company earnings reports [50] - Multiple important events are scheduled, such as the East Asia Cooperation Leaders' Series Meetings, the 2025 Financial Street Forum Annual Conference, etc. [50]

Core Viewpoint - The A-share listed banks are expected to show overall revenue and net profit growth in the third quarter of 2025, with improvements in asset quality and a narrowing decline in net interest margins [1][2][3]. Group 1: Financial Performance - Huaxia Bank reported operating income of 64.881 billion yuan, a year-on-year decrease of 8.79%, and net profit attributable to shareholders of 17.982 billion yuan, down 2.86%, with a narrowing decline of 5.09 percentage points compared to the first half of the year [1]. - Chongqing Bank achieved operating income of 11.740 billion yuan, a year-on-year increase of 10.40%, and net profit of 5.196 billion yuan, up 10.42% [2]. - Ping An Bank reported operating income of 100.668 billion yuan, a year-on-year decrease of 9.8%, and net profit of 38.339 billion yuan, down 3.5%, with a narrowing decline compared to the first half of the year [2]. Group 2: Market Trends - Ten banks have seen shareholding increases from shareholders and executives this year, indicating a positive outlook for the banking sector amid macroeconomic stabilization and easing monetary policy [3]. - Analysts expect cumulative revenue and net profit for listed banks in the first three quarters of 2025 to grow by 0.4% and 1.1% year-on-year, respectively, driven by a narrowing decline in net interest margins and reduced credit costs [3]. Group 3: Interest Margin Outlook - Zhongtai Securities suggests that the net interest margin for banks may stabilize in the third quarter due to reduced re-pricing pressure on assets and a greater decline in deposit rates compared to the Loan Prime Rate (LPR) [4]. - The projected increase in net interest margin for the third and fourth quarters is 0.7 basis points and 0.3 basis points, respectively, indicating stability in the banking sector [4]. Group 4: Related Stocks - Goldman Sachs reported that the A-shares and H-shares of major banks have recorded absolute returns of 12% and 21% year-to-date, driven by improvements in asset quality and narrowing declines in net interest margins [5]. - Ping An Insurance increased its stake in Postal Savings Bank, acquiring 6.416 million shares at an average price of 5.3638 HKD per share [6].

Core Insights - The article emphasizes the abundance of bank wealth management products with similar names and vague characteristics, urging investors to carefully select and differentiate among them [1] - The South Finance Wealth Management team focuses on pure fixed-income products issued by wealth management companies, providing a performance ranking of these products to assist investors in making informed choices [1] Summary by Category Product Performance - The ranking showcases annualized performance over the past month, three months, and six months, sorted by the three-month annualized yield to reflect multi-dimensional performance amid recent market fluctuations [1] - A total of 28 distribution institutions are involved in the ranking, including major banks such as Industrial and Commercial Bank of China, Bank of China, and Agricultural Bank of China [1] Product Availability - The ranking is based on the "on-sale" status of wealth management products, which may vary due to factors like sold-out quotas or differences in product listings for different customers [1] - Investors are advised to refer to the actual display on the distribution bank's app for the most accurate information regarding product availability [1]