Core Insights - The six A-share listed city commercial banks in the Yangtze River Delta are demonstrating resilient growth despite the pressure of narrowing interest margins, achieving both revenue and net profit growth in the first three quarters of the year [1][2] Revenue and Profit Growth - All six banks reported year-on-year growth in net interest income, with Nanjing Bank and Jiangsu Bank leading with growth rates of 28.52% and 19.61% respectively, ranking among the top in A-share listed banks [2][3] - Jiangsu Bank achieved a revenue of 671.83 billion yuan and a net profit of 305.83 billion yuan, leading among city commercial banks [2] Asset Expansion - As of the end of September, Jiangsu Bank held total assets of 4.93 trillion yuan, marking a 24.68% increase from the beginning of the year, making it the fastest-growing bank in terms of asset size among A-share listed banks [4][5] - Other banks like Ningbo Bank and Nanjing Bank also reported double-digit asset growth rates [4] Loan and Deposit Growth - The six banks experienced robust growth in both loans and deposits, with Jiangsu Bank's deposits reaching 2.54 trillion yuan, a 20.22% increase, the only bank in A-share with such growth [5] - Corporate loans became the main driver for credit expansion, with significant increases in sectors like technology finance, inclusive finance, and green finance [5][6] Asset Quality - The overall asset quality of the six banks remained stable, with non-performing loan ratios either holding steady or declining, indicating effective risk management strategies [7][8] - Jiangsu Bank's non-performing loan ratio decreased to 0.84%, while Nanjing Bank's ratio remained stable at 0.83% [7] Capital Adequacy - Shanghai Bank reported a high core Tier 1 capital adequacy ratio of 10.52%, reflecting improvements in capital management and risk mitigation strategies [8] - Several banks have completed convertible bond conversions to strengthen their capital positions [8] Dividend Distribution - Several banks, including Shanghai Bank and Suzhou Bank, have completed mid-term dividend distributions, with Jiangsu Bank and Ningbo Bank also progressing on their dividend plans [9][10] - The focus on increasing cash dividends reflects a commitment to enhancing shareholder returns, with some banks planning to maintain a cash dividend ratio of no less than 30% in the coming years [10]

Group 1 - The company has received approval from the Jiangsu Financial Regulatory Bureau for the revised articles of association, which were passed at the 2024 annual general meeting and the 2025 first extraordinary general meeting [1][2] - The revised articles of association can be viewed on the Shanghai Stock Exchange website [2] Group 2 - The company plans to fully redeem 49 million preferred shares issued on December 23, 2015, with a total scale of RMB 4.9 billion [4] - The redemption price will include the face value of the preferred shares plus any declared but unpaid dividends [5] - The redemption is scheduled for December 23, 2025, coinciding with the dividend payment date [6] - Payment will be made to preferred shareholders on the redemption date, covering the face value and dividends accrued from December 23, 2024, to December 22, 2025 [7] - The board of directors has been authorized to handle all matters related to the redemption, with prior approval from the Jiangsu Regulatory Bureau [8]

Core Points - The company announced that it will hold the ninth board meeting on November 28, 2025, to review a proposal for providing a guarantee for a financing credit application of 10 million yuan to Nanjing Bank [2] Summary by Categories - **Company Actions** - The company will convene its ninth board meeting on November 28, 2025, to discuss the guarantee proposal [2] - The proposal involves providing a guarantee for a financing credit application of 10 million yuan to Nanjing Bank [2]

Core Viewpoint - The company Zhongguancun announced plans to secure a financing credit of up to 10 million RMB to supplement its working capital, backed by collateral and guarantees from the company itself [1] Group 1: Financing and Guarantees - Zhongguancun's subsidiary Zhongshi Tongda intends to apply for a financing credit from Nanjing Bank, with a limit not exceeding 10 million RMB and a term of no more than one year [1] - The company will provide joint liability guarantees for the financing application and will use certain real estate assets as collateral, including parts of a building and land use rights located in Haidian District, Beijing [1] - The assessed value of the collateral, as per the evaluation report dated July 14, 2025, is approximately 26.13 million RMB [1] Group 2: Revenue Composition - For the first half of 2025, Zhongguancun's revenue composition is as follows: Biopharmaceuticals account for 80.15%, Concrete for 13.22%, Elderly Health for 4.12%, and Others for 2.51% [1] Group 3: Market Valuation - As of the report, Zhongguancun's market capitalization stands at 3.9 billion RMB [1]

南京银行股份有限公司章程 （2025 年修订） | 第一章 | 总则 1 | | --- | --- | | 第二章 | 党委 3 | | 第三章 | 经营宗旨和范围 4 | | 第四章 | 股份 5 | | 第一节 | 股份发行 5 | | 第二节 | 股份增减和回购 6 | | 第三节 | 股份转让 7 | | 第五章 | 股东和股东会 8 | | 第一节 | 股东的一般规定 8 | | 第二节 | 股东会的一般规定 15 | | 第三节 | 股东会的召集 17 | | 第四节 | 股东会的提案与通知 18 | | 第五节 | 股东会的召开 20 | | 第六节 | 股东会的表决和决议 23 | | 第六章 | 董事和董事会 27 | | 第一节 | 董事的一般规定 27 | | 第二节 | 董事会 31 | | 第三节 | 独立董事 35 | | 第四节 | 董事会专门委员会 38 | | 第七章 | 高级管理人员 42 | | 第八章 | 财务会计制度、利润分配和审计 45 | | 第一节 | 财务会计制度 45 | | 第二节 | 内部审计 48 | | 第三节 | 会计师事务所的聘任 49 | | ...

证券简称: 南京银行 证券代码: 601009 编号: 2025-086 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 关于公司章程修改获监管机构核准的公告 1 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。 南京银行股份有限公司（以下简称"本公司"）2024 年年度股东大会、2025 年第一次临时股东大会审议通过了《关于修订<南京银行股份有限公司章程>的议 案》。近日,本公司收到《江苏金融监管局关于南京银行股份有限公司修改公司 章程的批复》（苏金复〔2025〕428 号），核准本公司修改后的公司章程。 修改后的《南京银行股份有限公司章程》详见上海证券交易所网站 （www.sse.com.cn）。 特此公告。 南京银行股份有限公司董事会 2025 年 11 月 28 日 ...

证券简称: 南京银行 证券代码: 601009 编号: 2025-087 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 关于赎回优先股的第二次提示性公告 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。 南京银行股份有限公司（以下简称"本公司"）于 2015 年 12 月 23 日非公 开发行 0.49 亿股优先股（以下简称"本次优先股"），优先股简称：南银优 1， 发行规模为人民币 49 亿元。经国家金融监督管理总局江苏监管局无异议复函， 并经本公司董事会审议通过，本公司拟于 2025 年 12 月 23 日全额赎回本次优先 股，现将有关赎回事宜提示如下： 一、赎回规模 本公司拟赎回全部 0.49 亿股本次优先股，每股面值人民币 100 元，总规模 人民币 49 亿元。 二、赎回价格 本次优先股的赎回价格为本次优先股的票面金额加当期已宣告且尚未支付 的优先股股息。 三、赎回时间 2025 年本次优先股派息日，即 2025 年 12 月 23 日。 四、付款时间及方 ...

Core Viewpoint - The city commercial bank sector experienced a decline of 0.62% on November 28, with Shanghai Bank leading the drop, while the overall stock market showed slight gains [1][2]. Market Performance - The Shanghai Composite Index closed at 3888.6, up 0.34% - The Shenzhen Component Index closed at 12984.08, up 0.85% [1]. Individual Stock Performance - Chongqing Bank: Closed at 11.20, up 0.72%, with a trading volume of 84,100 shares and a turnover of 94.08 million yuan - Xiamen Bank: Closed at 7.15, up 0.56%, with a trading volume of 156,600 shares and a turnover of 112 million yuan - Hangzhou Bank: Closed at 15.59, up 0.13%, with a trading volume of 295,600 shares and a turnover of 461 million yuan - Zhengzhou Bank: Closed at 2.00, unchanged, with a trading volume of 667,700 shares and a turnover of 13.3 million yuan - Nanjing Bank: Closed at 11.57, down 0.09%, with a trading volume of 333,200 shares and a turnover of 38.6 million yuan - Qingdao Bank: Closed at 4.84, down 0.41%, with a trading volume of 332,000 shares and a turnover of 16 million yuan - Changsha Bank: Closed at 9.64, down 0.41%, with a trading volume of 124,200 shares and a turnover of 12 million yuan - Lanzhou Bank: Closed at 2.36, down 0.42%, with a trading volume of 408,600 shares and a turnover of 96.46 million yuan - Xi'an Bank: Closed at 3.83, down 0.52%, with a trading volume of 182,100 shares and a turnover of 6.97 million yuan - Ningbo Bank: Closed at 28.37, down 0.56%, with a trading volume of 195,600 shares and a turnover of 557 million yuan [1][2]. Capital Flow Analysis - The city commercial bank sector saw a net outflow of 379 million yuan from institutional investors, while retail investors contributed a net inflow of 86.74 million yuan [2][3]. - The following stocks had notable capital flows: - Hangzhou Bank: Net inflow of 9.48 million yuan from institutional investors - Qilu Bank: Net inflow of 6.55 million yuan from institutional investors - Suzhou Bank: Net inflow of 6.07 million yuan from institutional investors - Qingdao Bank: Net inflow of 3.22 million yuan from institutional investors - Lanzhou Bank: Net inflow of 2.34 million yuan from institutional investors - Zhengzhou Bank: Net outflow of 0.96 million yuan from institutional investors - Guizhou Bank: Net outflow of 1.41 million yuan from institutional investors - Xi'an Bank: Net outflow of 2.69 million yuan from institutional investors - Nanjing Bank: Net outflow of 9.30 million yuan from institutional investors - Chongqing Bank: Net outflow of 9.87 million yuan from institutional investors [3].

Core Viewpoint - The banking sector is witnessing significant share buybacks from major shareholders and executives, indicating confidence in the banks' future performance and value growth, despite market fluctuations around the 3000-point level [1][10]. Group 1: Shareholder Actions - On November 27, Everbright Bank announced that CITIC Financial Asset Management increased its stake in the bank, marking the seventh bank to report shareholder or executive buybacks in November [1]. - CITIC Financial Asset raised its shareholding in Everbright Bank from 8.00% to 9.00%, acquiring approximately 275 million A-shares and 315 million H-shares, totaling 1.00% of the bank's total equity [6]. - Other banks, such as Nanjing Bank and Chengdu Bank, also reported significant share buybacks by their major shareholders, with Nanjing Bank's major shareholder increasing their stake by 1.04% [6][8]. Group 2: Market Performance - The banking index has seen a nearly 8% increase in the fourth quarter, with major banks like Agricultural Bank of China and Industrial and Commercial Bank of China reaching historical highs [10]. - The continuous buybacks by shareholders and executives are providing support for bank stock prices, reflecting confidence in the long-term investment value of these banks [10][11]. Group 3: Investment Trends - Over half of the listed banks have disclosed buyback plans from major shareholders or executives, with the top five banks by buyback amount being Nanjing Bank (7.38 billion), Suzhou Bank (1.74 billion), Everbright Bank (1.24 billion), Shanghai Pudong Development Bank (890 million), and Chengdu Bank (610 million) [8]. - The banking sector has attracted significant net buybacks amounting to approximately 12.63 billion, ranking second among all sectors, only behind transportation [7][8].

Core Viewpoint - The article highlights the significant increase in shareholding by major shareholders and executives in various banks, indicating strong confidence in the banking sector's future performance amidst market fluctuations [1][11]. Group 1: Shareholding Changes - China Citic Financial Asset Management Co., Ltd. increased its stake in Everbright Bank from 8.00% to 9.00%, acquiring approximately 275 million A-shares and 315 million H-shares, totaling 1.00% of the bank's total equity [6][7]. - Nanjing Bank's major shareholder, BNP Paribas, increased its stake by over 128 million shares, raising its holding to 18.06% [7]. - Chengdu Bank's actual controller and shareholders increased their holdings by approximately 34.2 million shares, investing a total of 611 million yuan [7]. Group 2: Overall Market Trends - Since the beginning of the year, the banking sector has seen net increases in shareholdings amounting to approximately 9.03 billion yuan, ranking first among 31 industries [8]. - The banking sector has experienced a total increase in shareholdings of about 12.63 billion yuan, second only to the transportation industry, with a decrease of around 3.6 billion yuan [8]. - More than half of the listed banks have disclosed plans for major shareholders or executives to increase their holdings, with the top five banks by increase amount being Nanjing Bank (7.38 billion yuan), Suzhou Bank (1.74 billion yuan), Everbright Bank (1.24 billion yuan), Shanghai Pudong Development Bank (890 million yuan), and Chengdu Bank (610 million yuan) [8]. Group 3: Market Performance - The banking index has risen nearly 8% in the fourth quarter, driven by the continuous buying from shareholders and executives [10][11]. - Major banks like Agricultural Bank of China and Industrial and Commercial Bank of China have reached historical highs in stock prices, indicating a strong performance in the banking sector [11]. - Analysts suggest that the ongoing buying activity from shareholders and executives provides support for bank stock prices, especially as the market experiences significant volatility [11]. Group 4: Future Outlook - The article suggests that the ongoing shareholding increases reflect confidence in the long-term investment value of banks, particularly those with stable operations and strong regional economic resilience [12]. - Future valuation recovery for bank stocks is expected to be driven by low valuations, high dividend yields, regional economic support, and favorable policy conditions [12].