绿色金融 专题报告 2023 GREEN FINANCE THEMATIC REPORT 关于本报告 关于本报告 本报告是南京银行股份有限公司（本报告中也简称"南京银行""本行"或"我们"）单 独发布的绿色金融专题报告。本报告阐述了本行 2023 年度在绿色金融方面的主要工作和 成效，回应各利益相关方的期望与关注，全面展示南京银行在绿色金融发展方面的积极态 度与行动。 报告范围 本报告为年度报告。时间范围涵盖 2023 年 01 月 01 日至 2023 年 12 月 31 日，部分信息 涉及以往年度。除另有注明外，本报告以南京银行股份有限公司（含总行及各分支机构） 为主体。 本报告根据中国人民银行金融标准化技术委员会发布的《金融机构环境信息披露指南》的 披露要求进行编制，并参考《气候相关财务信息披露工作组（TCFD）建议报告》中的环 境相关披露要求。 数据说明 本报告所涉及数据来自内部统计数据、报送监管数据等，部分数据如与年度报告有差异， 以年度报告数据为准。若无特殊说明，本报告所使用的货币单位均为人民币。 报告发布形式 本报告以网络形式发布，印刷版备置在本行公司金融部。本报告电子版可在本行网站 www.n ...

2 2023年环境、社会及治理报告 Contents 开篇 1 2023年环境、社会及治理报告 | 编制说明 | 02 | | --- | --- | | 领导致辞 | 04 | | 关于我们 | 06 | | 数说2023 | 07 | | 荣誉回顾 | 13 | 一、致力高质量发展 | 1.1负责任银行原则实施进展 | 19 | | --- | --- | | 1.2贡献联合国可持续发展目标 | 20 | | 1.3开展ESG研究与合作 | 21 | | 1.4利益相关方沟通 | 22 | | 1.5年度重大性分析 | 23 | 二、夯实治理基础 | 2.1加强党建引领 | 25 | | --- | --- | | 2.1.1党建引领治理 | 25 | | 2.1.2党风廉政建设 | 25 | | 2.1.3党员教育培训 | 26 | | 2.2完善公司治理 | 28 | | 2.3强化股权管理 | 29 | | 2.4合规信息披露 | 30 | | 2.5保障投资者权益 | 30 | | 2.6内控合规运营 | 30 | | 2.6.1完善合规体系 | 30 | | 2.6.2提升检查质效 | 31 | ...

2024 年，董事会审计委员会将根据监管要求和公司自身发展实际，继续充 分履职，加强调研和培训，做到忠实勤勉、恪尽职守，在财务信息、内外部审计、 内部控制等方面，更好的发挥专业性和独立性作用，为公司高质量发展提供有力 保障。 南京银行股份有限公司董事会审计委员会 二零二四年四月二十五日 南京银行股份有限公司董事会 审计委员会 2023 年度履职情况报告 根据《上市公司治理准则》《上海证券交易所股票上市规则》《上海证券交 易所上市公司自律监管指引第 1 号--规范运作》等监管规定和《南京银行股份有 限公司审计委员会年报工作规程》《南京银行股份有限公司审计委员会工资细则》 的职责要求，报告期内，董事会审计委员会注重在财务信息、内外部审计和内控 体系等方面的有效指导和监督，勤勉尽职地完成自身工作职责。 报告期内，董事会审计委员会由 5 名董事委员组成，共召开 4 次会议，审议 议案 29 项。每次与会的委员人数、议事程序均符合制度规定。全体委员均做到 勤勉尽责，及时提出建设性意见和建议，有效体现了专业性和独立性，重点指导、 监督、评估以下工作：一是有效指导公司内部审计工作，听取上年度审计工作报 告和本年度审计工作计 ...

| 证券简称: 南京银行 | 证券代码: 601009 | 编号: 2024-013 | | --- | --- | --- | | 优先股简称：南银优 1 | | 优先股代码：360019 | | 南银优 2 | | 360024 | | 可转债简称：南银转债 | | 可转债代码：113050 | 南京银行股份有限公司 第十届监事会第三次会议决议公告 南京银行股份有限公司（以下简称"本公司"）第十届监事会第三次会议于 2024 年 4 月 26 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 2024 年 4 月 16 日发出。会议由吕冬阳先生提议召开并主持，参会人员通过 现场方式出席会议。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 2023 年度财务决算报告及 2024 年 度财务预算》的议案 表决结果：同意 9 票；弃权 0 票；反对 0 票。 本议案需提交股东大会审议。 二、关于审议《南京银行股份有限公司 2023 ...

2023 年度述职报告 根据《上市公司独立董事管理办法》和《南京银行独立董事制度》，本人作 为南京银行股份有限公司（以下简称"公司""南京银行")独立董事，现向股 东大会提交年度述职报告，对履行职责的情况进行说明。具体报告如下： 南京银行独立董事 强莹 本人强莹，女，1964 年 5 月 1 日出生。1988 年毕业于南京大学国际商学院， 1989 年 1 月至 1998 年 2 月任南京大学商学院数量经济系、经济系讲师、副教授、 硕士研究生导师，主要教授经济最优规划、投资经济学、投资项目经济分析等课 程；1989 年 3 月至 2012 年 12 月，历任华泰证券股份公司研究所宏观部主任、 战略发展部总经理、研究所所长，兼任华泰证券股份有限公司监事、华泰长城期 货有限公司董事、上海金浦产业投资基金公司董事；2013 年 1 月-2016 年 3 月， 任财通证券股份公司总经理助理兼研究所所长。2016 年 7 月至 2022 年 12 月， 任浙江涌泰资产管理有限公司执行董事兼总经理。2019 年 4 月至今，任苏州工 业园区凌志软件股份有限公司独立董事。 本人于 2020 年 9 月担任公司第九届董事会独 ...

公司给予的部分关联方 2024 年度日常关联交易预计额度属 于银行正常经营范围内发生的常规业务，其定价原则应与独立第 三方一致，并同意提交公司第十届董事会第三次会议审议。 南京银行股份有限公司独立董事 强莹、余瑞玉、俞红海、沈永明 二〇二四年四月二十五日 根据《上海证券交易所股票上市规则》等要求，我们对于南 京银行股份有限公司（以下简称"公司"）给予部分关联方 2024 年度日常关联交易预计额度的关联交易事项做如下声明： 南京银行股份有限公司独立董事 关于给予部分关联方 2024 年度日常关联交易 预计额度的事前认可声明 ...

南京银行股份有限公司独立董事 关于续聘会计师事务所的事前认可意见 议案提交公司第十届董事会第三次会议审议。 南京银行股份有限公司独立董事 强莹、余瑞玉、俞红海、沈永明 二〇二四年四月二十五日 我们作为南京银行股份有限公司独立董事，本着认真负责的 态度，在了解相关情况的基础上，经过审慎考虑，发表如下事前 认可意见： 经核查，我们认为安永华明会计师事务所（特殊普通合伙） 在担任公司审计机构并进行财务报告审计和内部控制审计过程 中，坚持以公允、客观的态度进行独立审计，很好地履行了审计 机构的责任与义务，我们同意继续聘任安永华明会计师事务所 （特殊普通合伙）为公司 2024 年度外部审计机构，并同意将该 ...

Financial Performance - The total assets of the company reached 2 trillion RMB, with loans exceeding 1 trillion RMB[8]. - The net profit showed steady growth, with a non-performing loan ratio maintained at a low level and a provision coverage ratio remaining high[8]. - The company plans to distribute cash dividends of 5.367 RMB per 10 shares, totaling 5.551 billion RMB, which accounts for 30% of the net profit attributable to shareholders[6]. - Total assets reached CNY 2.29 trillion, an increase of 11.11% year-over-year[12]. - Loan balance stood at CNY 1.10 trillion, growing by 16.19% compared to the previous year[12]. - Deposit balance was CNY 1.37 trillion, reflecting a growth of 10.61% year-over-year[12]. - Operating income amounted to CNY 45.16 billion, with a net profit attributable to shareholders of CNY 18.50 billion[12]. - Non-performing loan ratio was 0.90%, with a provision coverage ratio of 360.58%[12]. - Net profit attributable to shareholders of the listed company was RMB 18,502,084, reflecting a 0.51% increase from RMB 18,408,039 in the previous year[23]. - The net cash flow from operating activities significantly decreased by 62.12%, totaling RMB 37,058,939 compared to RMB 97,820,568 in 2022[23]. Digital Transformation and Technology Investment - The company invested over 1 billion RMB in information technology for two consecutive years, enhancing digital transformation capabilities[9]. - The company aims to enhance digital transformation by implementing 55 scene finance projects throughout the year[14]. - The company has upgraded its retail product offerings, including the personal pension business, to meet regulatory requirements and enhance service efficiency[144]. - The mobile banking version 7.0 has been transformed into a microservice architecture, improving system interaction performance and supporting rapid business iteration[143]. - The company has created a "smart investment and loan manager" platform to connect various stakeholders, facilitating resource matching for equity investment and industrial collaboration[144]. Risk Management and Compliance - The company is focusing on risk management and compliance, implementing an intelligent risk control system to maintain asset quality[9]. - The company has established a comprehensive risk management governance structure, enhancing the clarity of responsibilities across the board, supervisory board, and senior management[147]. - The company has optimized its credit risk management strategy, focusing on policy guidance and constraints, and has set annual credit risk control priorities[148]. - The company has implemented a digital risk control system, enhancing the efficiency of personal housing loan processing through technologies like OCR and facial recognition[149]. - The company has strengthened its legal risk management by improving contract management processes and enhancing litigation management mechanisms[155]. Awards and Recognition - The company received the "Best Transaction Bank" award at the 13th China Trade and Economic Enterprises Most Trusted Financial Service Provider Awards, marking the fourth consecutive year of this honor[20]. - The company was awarded the "2023 Annual Best Digital Transformation Practice Award" at the Financial Digital Development Gold List Awards[21]. - The company's app won the "2023 Annual Digital Financial Innovation Competition Gold Award" from the China Financial Certification Center and China Electronic Banking Network[19]. - The company received multiple awards for its contributions to green finance, including the "Outstanding Contribution Unit in Green Finance" from the Dazhong Securities Journal[20]. Strategic Goals and Future Plans - The company aims to support key areas of the national economy, with significant loan growth in technology innovation, green low-carbon, and advanced manufacturing sectors[9]. - The company plans to optimize its asset-liability structure and expand new business growth points in the upcoming five-year plan[14]. - The company aims to enhance its financial services by focusing on customer and technology themes, and deepening its retail and transaction banking strategies[34]. - The company aims to enhance its financial services by focusing on "five major areas": technology finance, green finance, inclusive finance, pension finance, and digital finance[159]. - The new five-year strategic plan (2024-2028) emphasizes high-quality development and aims to expand the customer base and improve service capabilities[159]. Customer Engagement and Service Improvement - The company emphasizes the importance of agile organizational construction to enhance customer service and operational efficiency[9]. - The company has established a Consumer Rights Protection Department to enhance customer service experience and protect financial consumer rights[125]. - The number of mobile banking app users reached 5.9116 million, a year-on-year increase of 21.39%, with a monthly active rate of 31.58%[134]. - The company has successfully constructed a customer base of 171,230 value clients, an increase of 18,703 clients, with an upward migration rate of 8.23%[117]. - The company launched the N Card Hema co-branded credit card, with a cumulative issuance of over 1.25 million cards[127]. Governance and Board Structure - The board of directors consists of 11 members, including 2 executive directors, 5 non-executive directors, and 4 independent directors, complying with relevant laws and regulations[175]. - The board approved the 2022 annual financial settlement report and the 2023 financial budget during the meetings held on April 28, 2023[177]. - The company has revised its articles of association and related management measures during the shareholders' meeting[174]. - The board's responsibilities include deciding on the company's operational plans and investment strategies, as well as supervising their implementation[176]. - The company operates independently without a controlling shareholder, maintaining complete independence in business, personnel, assets, institutions, and finance[173].

Financial Performance - The company's operating revenue for Q1 2024 was CNY 13,319,640, representing a year-on-year increase of 2.83% compared to CNY 12,953,215 in Q1 2023[4] - Net profit attributable to shareholders was CNY 5,705,829, up 5.14% from CNY 5,426,811 in the same period last year[4] - The net profit excluding non-recurring gains and losses increased by 7.83% to CNY 5,634,836 from CNY 5,225,553[4] - Basic earnings per share rose to CNY 0.55, an increase of 5.77% from CNY 0.52[5] - The company reported a net profit attributable to shareholders of CNY 5.706 billion for Q1 2024, up CNY 0.279 billion or 5.14% year-on-year[15] - Net profit for Q1 2024 reached RMB 5,750,607 thousand, a 5.2% increase compared to RMB 5,468,299 thousand in Q1 2023[33] Asset and Liability Management - Total assets as of March 31, 2024, reached CNY 2,396,263,521, reflecting a 4.72% increase from CNY 2,288,275,916 at the end of 2023[5] - The company's total liabilities increased by 59.44% to CNY 28,837,506, primarily due to an increase in funds clearing payments[6] - Total liabilities rose to RMB 2,217,151,779 thousand as of March 31, 2024, compared to RMB 2,115,681,851 thousand at the end of 2023, marking an increase of 4.8%[32] - Total assets increased to RMB 2,396,263,521 thousand as of March 31, 2024, up from RMB 2,288,275,916 thousand at the end of 2023, representing a growth of 4.7%[32] Cash Flow Analysis - The net cash flow from operating activities was negative at CNY -3,653,856, a significant decrease of 105.65% compared to CNY 64,661,421 in Q1 2023[4] - The cash flow from operating activities showed a significant decline, indicating potential challenges in the bank's core operations[34] - The net cash flow from operating activities was CNY (3,653,856) thousand, compared to CNY 64,661,421 thousand in the same period last year[34] - The cash inflow from investment activities totaled CNY 353,199,684 thousand, down from CNY 435,846,185 thousand in Q1 2023[34] Customer and Market Growth - The retail customer AUM (Assets Under Management) reached CNY 794.45 billion, an increase of CNY 61.14 billion or 8.34% from the beginning of the year[18] - The company added over 5,000 new customers to its "Xin e Small and Micro" service during the reporting period[17] - The total loan balance for corporate clients was CNY 889.41 billion, an increase of CNY 74.31 billion since the beginning of the year, with significant growth in technology, green, inclusive, and agricultural loans[17] - The personal loan balance reached CNY 284.32 billion, with a focus on improving customer experience and product capabilities[18] Operational Efficiency - The weighted average return on equity decreased to 3.99%, down 0.21 percentage points from 4.20%[5] - The cost-to-income ratio improved to 23.84% as of March 31, 2024, down from 27.16% at the end of 2023, indicating better operational efficiency[29] - The loan migration rate for normal loans decreased to 0.36% from 1.39% at the end of 2023, indicating improved asset quality[25] Investment and Financing Activities - The company issued 8 innovation bonds, 6 green debt financing instruments, and 8 digital RMB bonds to support the real economy[17] - The cash inflow from bond issuance was CNY 112,995,750 thousand, a substantial increase from CNY 9,438,162 thousand in the previous year[34] Shareholder Information - The number of ordinary shareholders at the end of the reporting period was 85,687[8] - The top ten shareholders collectively held 17.33% of the company's total shares, with France's BNP Paribas being the largest shareholder at 15.24%[9]

Ernst & Young Hua Ming LLP Level 17, Ernst & Young Tower Oriental Plaza, 1 East Chang An Avenue Dongcheng District Beijing, China 100738 安永华明会计师事务所（特殊普通合伙） 中国北京巿东城区东长安街 1 号 东方广场安永大楼 17 层 邮政编码: 100738 Tel 电话·: +86 10 5815 3000 Fax 传真·: +86 10 8518 8298 ey.com 环境、社会及治理报告独立鉴证报告 安永华明（2024）专字第70013046_A04号 南京银行股份有限公司 南京银行股份有限公司董事会： 我们接受委托，对南京银行股份有限公司（以下简称"南京银行"或"贵行"）编制的《南 京银行股份有限公司 2023 年环境、社会及治理报告》（简称"《环境、社会及治理报告》"） 中选定的 2023 年度关键绩效信息发表有限保证鉴证意见。 一、关键绩效信息 本报告就以下选定的 2023 年度关键绩效信息实施了有限保证鉴证程序： 我们的鉴证工作仅限于《环境、社会及治理报告 ...