Core Viewpoint - Multiple small and medium-sized banks in China have announced reductions in RMB deposit interest rates, with decreases ranging from 10 to 20 basis points [1][8]. Summary by Sections Deposit Rate Adjustments - Jiangsu Bank and Nanjing Bank have adjusted their three-year fixed deposit rates from 1.85% to 1.75% [2][3]. - Jilin Longtan Huayi Village Bank has lowered its interest rates for various deposit terms, with the three-year and five-year rates down by 20 basis points [5]. - Shandong Gaomi Huimin Village Bank has also reduced its rates for personal fixed deposits across multiple terms, with three-year and five-year rates down by 20 basis points [6]. Market Trends - The recent rate cuts by small and medium-sized banks are seen as a follow-up to earlier reductions by major commercial banks, which had cut rates by up to 25 basis points [8][9]. - The current interest rates for major banks are 0.05% for demand deposits and 1.25% and 1.30% for three-year and five-year fixed deposits, respectively [9]. Implications for Investors - According to a researcher from China Postal Savings Bank, the downward pressure on deposit rates is expected to continue, prompting residents to consider their investment experience, capabilities, and risk preferences to achieve better returns [8].

格隆汇8月28日丨南京银行(601009.SH)披露半年报，公司上半年实现营业收入284.8亿元，同比增长 8.64%；归属于上市公司股东的净利润126.19亿元，同比增长8.84%；基本每股收益1.13元/股。 ...

Core Viewpoint - Several small and medium-sized banks in China have announced reductions in RMB deposit rates, with decreases ranging from 10 to 20 basis points [1][12]. Summary by Category Deposit Rate Adjustments - Jiangsu Bank and Nanjing Bank have adjusted their 3-year fixed deposit rates from 1.85% to 1.75% [3][5]. - High-Mi Hui Min Village Bank has reduced its personal fixed deposit rates for 6 months, 1 year, and 2 years by 10 basis points, while the 3-year and 5-year rates have been cut by 20 basis points [6][8]. - Jilin Longtan Huayi Village Bank has also lowered its rates, with the 3-month, 6-month, 1-year, and 2-year rates down by 10 basis points, and the 3-year and 5-year rates down by 20 basis points [8]. Market Trends and Implications - The recent rate cuts by smaller banks are seen as a follow-up to earlier reductions by larger commercial banks, which had maximum cuts of 25 basis points [10][12]. - The current average rates for major banks are 0.05% for demand deposits, 1.25% for 3-year deposits, and 1.3% for 5-year deposits [10]. - The trend of declining deposit rates is expected to continue, prompting smaller banks to move away from reliance on high-interest deposits and to develop differentiated products and services to enhance their core competitiveness [14]. Financial Data Insights - In the first half of the year, RMB deposits increased by 17.94 trillion yuan, with household deposits rising by 10.77 trillion yuan [15]. - However, there was a net decrease of approximately 1.11 trillion yuan in household deposits in July alone [15]. - As of the second quarter of 2025, the net interest margin for commercial banks was 1.42%, reflecting a slight decline from the previous quarter [15].

人民财讯8月28日电，南京银行（601009）发布2025年半年报显示，上半年，该行实现营业收入284.8亿 元，同比增长8.64%；归母净利润126.19亿元，同比增长8.84%。截至6月末，该行资产总额达2.9万亿 元，较上年末增长11.96%。资产质量方面，截至6月末，该行不良贷款率0.84%，较上年末上升0.01个百 分点，拨备覆盖率311.65%，较上年末下降23.62个百分点。 ...

2025年上半年，南京银行总资产收益率（ROA）0.92%。净利差1.63%，净息差1.86%。截至报告期末， 该行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9.47%、11.07%及13.63%；不良贷款率 0.84%，较上年末上升0.01个百分点；拨备覆盖率311.65%，较上年末下降23.62个百分点。 （文章来源：北京商报） 资产规模方面，2025年6月末，南京银行资产总额29014.38亿元，比上年末增加3100.38亿元，增幅 11.96%。贷款总额13871.73亿元，较上年末增加1307.75亿元，增幅10.41%。负债总额为26912.97亿元， 比上年末增加2918.54亿元，增幅12.16%。存款总额16455.25亿元，较上年末增加1493.53亿元，增幅 9.98%。 8月28日晚间，南京银行披露2025年半年度报告。2025年上半年，南京银行实现营业收入284.80亿元， 同比增加22.65亿元，同比上升8.64%，其中，利息净收入156.46亿元，同比增加28.36亿元，同比上升 22.13%，在营业收入中占比54.94%，同比上升6.07个百分点；非利息净收入128. ...

Core Viewpoint - Multiple small and medium-sized banks in China have announced reductions in RMB deposit rates, with decreases ranging from 10 to 20 basis points, indicating a trend of declining deposit rates across the banking sector [1][8]. Group 1: Deposit Rate Adjustments - Jiangsu Bank and Nanjing Bank have adjusted their three-year fixed deposit rates from 1.85% to 1.75% [2][3]. - Jilin Longtan Huayi Village Bank has lowered its interest rates for various deposit terms, with the three-year and five-year rates down by 20 basis points, while shorter terms have seen a 10 basis point reduction [5]. - Highmi Hui Min Village Bank has also announced similar reductions, with the three-year and five-year rates decreased by 20 basis points, and shorter terms by 10 basis points [6]. Group 2: Industry Context - The recent rate cuts by small and medium-sized banks are seen as a follow-up to earlier reductions by major commercial banks, which had lowered their deposit rates by up to 25 basis points [8]. - As of May, the six major banks in China have set their current deposit rates at 0.05%, with three-year and five-year rates at 1.25% and 1.3%, respectively [8].

Core Insights - Nanjing Bank reported a total operating income of 28.48 billion yuan for the first half of 2025, an increase of 2.27 billion yuan or 8.64% year-on-year [1] - The net profit attributable to shareholders reached 12.62 billion yuan, up by 1.03 billion yuan or 8.84% year-on-year [1] Financial Performance - Interest income was 15.65 billion yuan, increasing by 2.84 billion yuan or 22.13% year-on-year, accounting for 54.94% of total operating income, up by 6.07 percentage points [1] - Non-interest income was 12.83 billion yuan, decreasing by 571 million yuan or 4.26% year-on-year, accounting for 45.06% of total operating income, down by 6.07 percentage points [1] Asset and Liability Overview - As of June 30, 2025, total assets reached 2.90 trillion yuan, an increase of 310.04 billion yuan or 11.96% from the end of the previous year [1] - Total loans amounted to 1.39 trillion yuan, up by 130.78 billion yuan or 10.41% [1] - Total liabilities were 2.69 trillion yuan, increasing by 291.85 billion yuan or 12.16% [1] - Total deposits reached 1.65 trillion yuan, an increase of 149.35 billion yuan or 9.98% [1] Key Ratios - Return on Assets (ROA) was 0.92% [2] - Net interest margin was 1.86% and net interest spread was 1.63% [2] - Non-performing loan ratio stood at 0.84%, up by 0.01 percentage points from the end of the previous year [2] - Provision coverage ratio was 311.65%, down by 23.62 percentage points from the end of the previous year [2]

Group 1 - The core viewpoint of the news is that Nanjing Bank has shown stable growth and improved quality in its operations, driven by its new five-year strategic plan, which emphasizes sustainable development across various dimensions [1] - The bank has established a comprehensive strategic framework called "12345," which includes one vision, two engines, three business segments, four development focuses, and five brand identities [1] Group 2 - Nanjing Bank is accelerating the development of its five key business areas: Sci-Tech Banking, Investment Banking, Wealth Banking, Transaction Banking, and Digital Banking [2] - In the Sci-Tech Banking sector, the bank has launched innovative products such as Sci-Tech financial bonds and M&A loans for tech companies, with a technology finance balance of 166.8 billion yuan, an increase of 18.4 billion yuan, or over 12% from the beginning of the year [2] - The Investment Banking division has enhanced its service offerings, with a 17% year-on-year increase in the number of clients served for debt issuance, and has underwritten nearly 150 billion yuan in non-financial corporate debt financing tools, ranking first in Jiangsu Province [2] - Wealth Banking has seen a retail financial asset balance of 944.8 billion yuan, growing by 117.9 billion yuan, or 14%, with a nearly 14% increase in the number of wealth clients since the beginning of the year [2] - Transaction Banking has focused on enterprise operational scenarios, achieving over 168.9 billion yuan in supply chain finance business volume, with a net increase of 71 group clients in the XinYun financial service platform compared to the end of 2024 [2] - The Digital Banking sector is developing an "industrial brain" intelligent platform, creating knowledge graphs for multiple industries to support industry analysis and customer service [2] Group 3 - Nanjing Bank has made steady progress in organizational restructuring, aligning its structure with strategic planning and operational models [3] - The bank has established new departments such as the Sci-Tech Finance Department and the International Business Department, and has optimized its retail credit and private banking services [3] - These adjustments aim to enhance the bank's professional capabilities and competitive strengths to adapt to industry changes and pursue balanced sustainable development [3]

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 关联交易公告 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。 证券简称: 南京银行 证券代码: 601009 编号: 2025-063 重要内容提示： 关联交易内容 本公司与董事、监事、高级管理人员及其关联方开展的一般性存款、支付结 算、信用卡、贷款、购买金融产品等授信类、服务类、资产转移类、存款和其他 类日常金融产品或服务关联交易。 该关联交易事项需提交股东大会审议。 关联交易影响 该事项对本公司正常经营活动及财务状况无重大影响。 一、关联交易概述 （一）本次关联交易基本情况及主要内容 （二）与本公司的关联关系 根据《中华人民共和国公司法》《银行保险机构关联交易管理办法》等相关 规定，本公司董事、监事、高级管理人员及其近亲属，前述人员直接或间接控制 的企业，以及与董事、监事、高级管理人员有其他关联关系的关联方（以下简称 "董事、监事、高级管理人员及其关联方"）为本公司关联方。本公司与前述关 联方之间的交易构成关联交易 ...

证券代码：601009 证券简称：南京银行 公告编号：2025-064 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 关于召开2025年第一次临时股东大会的通知 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： 一、 召开会议的基本情况 (四)现场会议召开的日期、时间和地点 股东大会召开日期：2025年9月16日 本次股东大会采用的网络投票系统：上海证券交易所股东大会网络投票 系统 (一)股东大会类型和届次 2025年第一次临时股东大会 (二)股东大会召集人：董事会 (三)投票方式：本次股东大会所采用的表决方式是现场投票和网络投票相结合的 方式 召开的日期时间：2025 年 9 月 16 日 14 点 30 分 召开地点：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 (五)网络投票的系统、起止日期和投票时间。 网络投票系统：上海证券交易所股东会网络投票系统 网络投票起止时间：自2025 年 9 月 16 日 至2025 年 9 月 1 ...