朱钢先生担任本公司董事的任期自国家金融监督管理总局江苏监管局核准 其任职资格之日起生效，至本公司第九届董事会任期届满之日止，任期届满可以 连选连任。朱钢先生的简历请见本公司于 2023 年 4 月 29 日刊登在上海证券交易 所网站（www.sse.com.cn）的《南京银行股份有限公司 2022 年年度股东大会资 料》。 特此公告。 | 证券简称: 南京银行 | 证券代码: 601009 | 编号:2023-026 | | --- | --- | --- | | 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关于董事任职资格 获国家金融监督管理总局江苏监管局核准的公告 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。 近日，南京银行股份有限公司（以下简称"本公司"）收到国家金融监督管 理总局江苏监管局下发的《国家金融监督管理总局江苏监管局关于朱钢任职资格 的批复》（苏金复〔2 ...

刘启连先生担任本公司第九届监事会股东监事及监事会下设委员会委员职 务期间，认真履行监事职责，为本公司的规范运作和稳健发展发挥了积极作用。 本公司监事会对刘启连先生任职期间为本公司所做的贡献表示衷心感谢，对刘启 连先生的不幸逝世表示沉痛哀悼，并向其家属致以深切慰问。 刘启连先生逝世后，本公司监事会成员人数减少至 7 人，未低于《公司法》 规定的监事会最低人数，不会影响本公司及本公司监事会工作的正常运行。本公 司将根据相关法律法规和《公司章程》的规定，尽快完成监事补选工作，并及时 履行信息披露义务。 特此公告。 证券简称: 南京银行 证券代码: 601009 编号: 2023-025 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 关于股东监事逝世的公告 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。 南京银行股份有限公司（以下简称"本公司"）于近日获悉，本公司第九届 监事会股东监事刘启连先生因病不幸逝世。 南京银行股份有 ...

Financial Performance - The company's operating revenue for Q1 2023 was RMB 12,953,215 thousand, representing a year-on-year increase of 5.51% compared to RMB 12,276,579 thousand in Q1 2022[4] - Net profit attributable to shareholders was RMB 5,426,811 thousand, an increase of 8.22% from RMB 5,014,591 thousand in the same period last year[4] - The basic earnings per share (EPS) rose to RMB 0.52, up 4.00% from RMB 0.50 in Q1 2022[4] - The company achieved a return on total assets of 1.03% for Q1 2023, compared to 1.00% for the previous quarter[27] - The bank's return on equity (ROE) for Q1 2023 was 3.30%, compared to 3.18% in Q1 2022, indicating improved profitability[32] Asset and Liability Management - Total assets as of March 31, 2023, were RMB 2,148,464,490 thousand, reflecting a 4.32% increase from RMB 2,059,483,739 thousand at the end of 2022[6] - The company's total liabilities amounted to CNY 1,983.690 billion, up CNY 81.905 billion or 4.31% year-to-date[15] - The total loan amount reached 1,024.008 billion RMB as of March 31, 2023, compared to 945.913 billion RMB at the end of 2022[26] - The capital adequacy ratio was reported at 14.00% as of March 31, 2023, slightly down from 14.31% at the end of 2022[27] - The leverage ratio was reported at 6.14% as of March 31, 2023, slightly down from 6.19% at the end of 2022[29] Investment and Income - Investment income surged by 84.27% to RMB 5,740,736 thousand, compared to RMB 3,113,000 thousand in Q1 2022[7] - The net interest income for Q1 2023 was CNY 7,229,243, up from CNY 6,898,254 in Q1 2022, indicating a growth of 4.81%[32] - The company’s commission and fee income decreased by 39.71% to RMB 1,273,724 thousand, compared to RMB 2,113,000 thousand in Q1 2022[7] Shareholder and Equity Information - The number of ordinary shareholders at the end of the reporting period was 96,393[10] - The company reported a significant increase in minority shareholders' equity, which rose by 105.84% to RMB 2,969,583 thousand[9] Cash Flow and Liquidity - The company’s cash flow from operating activities per share was RMB 6.25, a substantial increase from RMB -1.29 in the same period last year, marking a 584.50% change[4] - Net cash flow from operating activities for Q1 2023 was RMB 64,661,421 thousand, a significant improvement from a net outflow of RMB 12,930,476 thousand in Q1 2022[33] - The liquidity coverage ratio stood at 235.58% as of March 31, 2023, indicating strong liquidity position[29] Branch Expansion and Market Presence - The company established 25 new branches in Jiangsu province and 2 branches outside the province in 2022, totaling 27 new branches[21] - As of the end of Q1 2023, the total number of branches reached 254, achieving full coverage of county-level branches in Jiangsu province[21] - The company opened multiple new branches in early 2023, including branches in Xiangshui, Nanjing, and Beijing, enhancing its market presence[22][23][24] Loan and Deposit Information - The balance of corporate loans reached CNY 750.497 billion, an increase of CNY 75.754 billion from the beginning of the year[18] - Retail customer AUM (Assets Under Management) grew to CNY 674.092 billion, an increase of CNY 53.144 billion or 8.56%[20] - Personal deposit balance rose to CNY 387.406 billion, up CNY 64.080 billion or 19.82%[20] - The total deposits increased by CNY 141.597 billion, representing an 11.44% growth, reaching CNY 1,379.628 billion[15] Non-Performing Loans and Risk Management - The non-performing loan ratio remained stable at 0.90%, with a provision coverage ratio of 392.36%[17] - The loan loss provision was reported at 36.132 billion RMB as of March 31, 2023, up from 33.826 billion RMB at the end of 2022[26] - The bank's non-performing loan (NPL) ratio was not explicitly stated but is a critical metric for assessing asset quality[29] Future Outlook - The bank plans to continue expanding its market presence and enhancing its product offerings in the upcoming quarters[30]

Financial Performance - As of the end of 2022, the total assets of the company reached 2 trillion RMB, marking a historic milestone[13] - The loan balance was 946.913 billion RMB, an increase of 19.69% compared to the previous year[13] - The deposit balance was 1,238.032 billion RMB, growing by 15.52% year-on-year[13] - The company achieved a revenue of 44.606 billion RMB, representing a year-on-year growth of 9.00%[13] - The net profit attributable to shareholders was 18.408 billion RMB, an increase of 16.09% from the previous year[13] - The basic earnings per share were 1.76 RMB, reflecting a growth of 14.29% year-on-year[13] - Operating revenue for 2022 reached RMB 44,606,440, an increase of 9.00% compared to RMB 40,925,185 in 2021[30] - Net profit attributable to shareholders was RMB 18,408,039, reflecting a growth of 16.09% from RMB 15,856,757 in the previous year[30] - Total assets reached CNY 2.06 trillion, an increase of 17.76% year-over-year[16] - The net profit rose by 16.15% to RMB 18,543,956, attributed to increased operating income[35] Asset Quality and Risk Management - The non-performing loan ratio stood at 0.90%, indicating stable asset quality[13] - Non-performing loan ratio improved to 0.90%, down by 0.01 percentage points from the beginning of the year[16] - Provision coverage ratio stood at 397.20%, indicating a strong risk mitigation level[16] - The non-performing loan ratio decreased by 0.01 percentage points to 0.90%[35] - The loan impairment provision balance was CNY 33.826 billion, with a coverage ratio of 397.20%[154] - The overdue loans increased to RMB 11,448,353 thousand, with an overdue loan ratio of 1.21%, a decrease of 0.05 percentage points compared to the previous year[86] - The company has implemented measures to manage non-performing loans, including early detection and resolution of large problem assets[92] Digital Transformation and Technology - The company emphasized the importance of digital transformation and financial technology in enhancing its competitive edge in the banking sector[37] - The digital transformation efforts focus on cloud, online, and intelligent services to improve customer experience and operational efficiency[18] - The company has launched new products under the "Rui" series, enhancing its diversified product system to meet various customer wealth management needs[143] - The bank's mobile app user engagement increased by over 20%, enhancing customer service capabilities[137] - The company has established four new system platforms to enhance data governance and support management, improving operational efficiency[140] Awards and Recognition - The company ranked 101st in the "Top 1000 Global Banks" by The Banker magazine in 2022, improving by 8 positions from the previous year[27] - The company was awarded the "Best Transaction Bank" by Trade Finance magazine and the "Annual Market Influence Award" by the National Interbank Funding Center[27] - The N Card digital credit card was recognized as an "Outstanding Case of Digital Transformation" by China Net Finance in 2022[28] - The company received the "China Top 100 Enterprises Award" at the 22nd China Listed Companies Top 100 Forum, ranking 55th in the "Top 100 Listed Companies in China"[27] Strategic Focus and Growth Initiatives - The company aims for balanced, steady, and sustainable growth while enhancing internal collaboration and financial service levels[18] - The company plans to optimize its asset-liability structure and enhance financial management to ensure steady profit growth in 2023[151] - The company aims to enhance support for key sectors such as manufacturing, green finance, and "new infrastructure" in 2023[153] - The retail strategy will be accelerated, with a focus on wealth management and emerging businesses like personal pension accounts[166] Governance and Compliance - The company has no controlling shareholder and operates independently, maintaining complete independence in business, personnel, assets, institutions, and finance[178] - The company is committed to fair treatment of all investors and strict adherence to information disclosure management systems[177] - The board of directors consists of 9 members, including 4 independent directors, ensuring compliance with relevant laws and regulations[182] - The company has established a comprehensive risk management framework to enhance governance and compliance[155] Employee and Human Resources - In 2022, the bank recruited over 1,500 outstanding graduates, strengthening its human resources[42] - The bank's average employee age is 33, with 98.64% holding at least a bachelor's degree and 30.53% holding master's or doctoral degrees[42] - Employee compensation expenses were RMB 9.226 billion, accounting for 69.52% of total business and management expenses[62] Market Position and Client Base - The company achieved a credit rating of AAA with a stable outlook from China Chengxin International Credit Rating Co., Ltd.[26] - The company has established a total of 242 business outlets, expanding its coverage of small and micro financial services[123] - The wealth management client base reached 650,600, with an increase of 79,200 clients year-to-date, marking a historical high[130] Financial Products and Services - The company launched the "Technology-oriented Small and Medium Enterprises Financing Connection" initiative, with a loan balance of CNY 660.97 billion for technology and culture finance[124] - The balance of inclusive small and micro enterprise loans was CNY 906.09 billion, with a year-to-date increase of CNY 249.96 billion, or 38.10%[123] - The company underwrote over 230 billion yuan in non-financial corporate debt financing tools during the reporting period[126] Future Outlook - The company's 2023 operating targets include total assets reaching CNY 2.2 trillion, deposit balance of CNY 1.37 trillion, and new loans of approximately CNY 160 billion[167] - The non-performing loan ratio is expected to remain below 1%[167] - The company is committed to advancing its digital transformation and financial technology applications[166]

| 证券简称: 南京银行 | 证券代码: 601009 | 编号:2023-008 | | --- | --- | --- | | 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 关于召开 2022 年度暨 2023 年一季度 业绩说明会的公告 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。 重要内容提示： ●会议召开时间：2023 年 5 月 11 日（星期四）上午 10:00-11:30 ●会议召开地点：本公司河西新总部大楼（江苏省南京市建邺区江山大街 88 号） ●会议召开方式：现场会议+网络直播 ●网络直播地址：https://s.r.sn.cn/FevhWk ●投资者可于 2023 年 5 月 8 日（星期一）17:00 前将需要了解的情况和有关 问 题 预 先 通 过 电 子 邮 件 的 形 式 发 送 至 本 公 司 投 资 者 关 系 邮 箱 boardoff ...

Financial Performance - In Q3 2022, Nanjing Bank reported operating income of RMB 11,656,094 thousand, a year-on-year increase of 15.82%[4] - The net profit attributable to shareholders was RMB 4,820,219 thousand, reflecting a year-on-year growth of 23.92%[4] - The basic earnings per share for Q3 2022 was RMB 0.45, up 21.62% compared to the same period last year[5] - The company achieved an operating income of RMB 35.188 billion, an increase of RMB 4.887 billion, with a year-on-year growth rate of 16.13%[19] - The net profit attributable to shareholders was RMB 14.971 billion, an increase of RMB 2.627 billion, representing a year-on-year growth of 21.28%[19] - Basic earnings per share were RMB 1.45, reflecting a year-on-year increase of 19.83%[19] - The bank's net profit for the period was not disclosed in the provided content, but the increase in total assets and equity suggests positive performance trends[39] Asset and Liability Growth - Total assets as of September 30, 2022, reached RMB 1,944,194,168 thousand, an increase of 11.16% from the end of the previous year[5] - The total liabilities amounted to RMB 1,808.917 billion, increasing by RMB 182.535 billion, with a growth rate of 11.22% from the start of the year[18] - The total assets as of September 30, 2022, reached RMB 1,944.19 billion, up from RMB 1,748.95 billion at the end of 2021[28] - The bank's total liabilities amounted to RMB 1,808,917,302 thousand, up from RMB 1,626,381,955 thousand, indicating a growth of 11.19%[39] Loan and Deposit Information - Total deposits reached RMB 1,222.969 billion, up by RMB 151.265 billion, reflecting a growth of 14.11% year-to-date[18] - The total personal deposits amounted to RMB 287.53 billion, an increase of RMB 47.11 billion or 19.60% from the beginning of the year, accounting for 23.51% of total deposits, up 1.08 percentage points[22] - Retail loans totaled RMB 266.50 billion, increasing by RMB 28.22 billion or 11.84% year-to-date, representing 28.74% of total loans[22] - Loans and advances to customers reached RMB 896,532,851 thousand, an increase of 17.39% from RMB 763,867,264 thousand in the previous year[39] - Customer deposits rose to RMB 1,243,356,741 thousand, compared to RMB 1,087,967,569 thousand, reflecting an increase of 14.31%[39] Non-Performing Loans and Risk Management - The company's non-performing loan ratio is 0.90%, down 0.01 percentage points from the beginning of the year, with a provision coverage ratio of 398.27%, up 0.93 percentage points[20] - The non-performing loan ratio stands at 0.90% as of September 30, 2022, maintaining stability compared to previous periods[32] - The coverage ratio for non-performing loans is at 398.27%, indicating a strong provision against potential losses[32] Capital and Investment - The company completed the acquisition of a controlling stake in Suning Consumer Finance Co., increasing its shareholding to 56%[25] - The company plans to increase its investment in Suning Consumer Finance Co. by RMB 2.914 billion, raising its stake to 65%[25] - The bank's available stable funding amounts to CNY 1,065,970,855, with required stable funding at CNY 938,032,735, resulting in a net stable funding ratio of 113.64%[38] - The total capital net amount is CNY 162,635,819, with a core Tier 1 capital of CNY 124,490,600[31] Cash Flow and Liquidity - The net cash flow from operating activities for the first nine months of 2022 was RMB 15,222,994 thousand, down 81.24% year-on-year[4] - The liquidity coverage ratio is reported at 277.29%, indicating strong liquidity management[36] Strategic Initiatives - The company has implemented strategic measures to enhance transformation momentum and ensure high-quality development amidst economic challenges[17] - The bank plans to expand its market presence by increasing its branch network by 10% in 2023[40]

Financial Performance - The company reported a total revenue of RMB 10.5 billion for the first half of 2022, representing a year-on-year increase of 8%[1]. - Net profit attributable to shareholders reached RMB 3.2 billion, up 12% compared to the same period last year[1]. - The company's operating revenue for the first half of 2022 was RMB 23,532,351,000, representing a year-on-year increase of 16.28% compared to RMB 20,237,423,000 in the same period of 2021[13]. - The net profit attributable to shareholders of the listed company for the first half of 2022 was RMB 10,150,644,000, reflecting a year-on-year growth of 20.07% from RMB 8,453,729,000 in the first half of 2021[13]. - Future guidance indicates a projected revenue growth of 10% for the full year 2022, driven by increased lending and investment activities[1]. - The company reported a net cash flow from operating activities of -RMB 8,780,201,000 for the first half of 2022, a significant decrease compared to RMB 52,895,784,000 in the same period of 2021[13]. - Non-interest income reached RMB 99.92 billion, up RMB 33.71 billion or 50.91% year-on-year, accounting for 42.46% of total revenue[35]. - The company reported a net interest margin of 2.21%, a decrease of 4 basis points from the end of the previous year, with an average interest rate on interest-bearing liabilities of 2.37%, down 6 basis points[114]. Asset and Liability Management - The total assets of the bank increased to RMB 1.2 trillion, reflecting a growth of 6% year-on-year[1]. - Total assets as of June 30, 2022, reached RMB 1,912,367,183,000, an increase of 9.34% from RMB 1,748,946,747,000 at the end of 2021[14]. - Total liabilities increased by 9.57% to RMB 1,781,960,796,000 as of June 30, 2022, compared to RMB 1,626,381,955,000 at the end of 2021[14]. - The total amount of loans as of June 30, 2022, was RMB 903,617,379,000, up 14.34% from RMB 790,321,922,000 at the end of 2021[14]. - The total deposits as of June 30, 2022, amounted to RMB 1,222,931,482,000, reflecting a year-on-year increase of 14.11% from RMB 1,071,704,267,000 at the end of 2021[14]. - Customer deposits grew by 9% year-on-year, totaling RMB 900 billion[1]. Risk Management - The non-performing loan ratio remained stable at 1.5%, indicating effective risk management[1]. - The capital adequacy ratio decreased by 0.52 percentage points to 13.02%[20]. - The non-performing loan ratio improved to 0.90%, down by 0.01 percentage points[23]. - The coverage ratio for provisions was 395.17%, slightly down from 397.34%[23]. - The company maintains a prudent risk preference and continuously optimizes its comprehensive risk management system to enhance asset quality control capabilities[30]. - The company is focusing on improving asset quality through measures such as enhancing risk identification and increasing the pace of non-performing loan recovery[100]. Strategic Initiatives - The bank plans to expand its retail banking services, targeting a 15% increase in retail customer base by the end of 2023[1]. - New digital banking initiatives are expected to contribute an additional RMB 500 million in revenue by the end of 2022[1]. - The company has allocated RMB 200 million for research and development of new financial technologies in 2022[1]. - The company aims to become a leading comprehensive financial service provider among small and medium banks, focusing on six strategic areas: "1 bank," "2 themes," "3 driving forces," "4 characteristics," "5 capabilities," and "6 foundations"[28]. - The company reported a strong emphasis on digital transformation and open banking, with a focus on building cloud-based, online, intelligent financial services[30]. - The company plans to continue enhancing risk management and asset quality improvement strategies moving forward[32]. Employee and Governance - The company has over 13,000 employees, with an average age of 33 years, and 98.29% of employees holding at least a bachelor's degree[30]. - The company held 1 annual and 1 extraordinary shareholders' meeting during the reporting period, passing a total of 14 resolutions[188]. - The board of directors consists of 9 members, including 1 executive director, 4 non-executive directors, and 4 independent directors, with 3 board meetings held and 23 resolutions passed[189]. - The supervisory board, comprising 8 members, convened 2 meetings and approved 21 resolutions, ensuring oversight of the company's operations and financial activities[191]. Community Engagement - The bank is actively participating in community support initiatives, deploying over 1,000 volunteers for pandemic response efforts in Nanjing[186].

Financial Performance - The company's operating income for Q1 2022 was CNY 12,276,579, representing a year-on-year increase of 20.39% compared to CNY 10,197,536 in Q1 2021[4] - Net profit attributable to shareholders of the listed company reached CNY 5,014,591, up 22.33% from CNY 4,099,212 in the same period last year[4] - Basic earnings per share increased to CNY 0.50, up 21.95% from CNY 0.41 in the previous year[4] - The net profit attributable to shareholders for the first quarter reached 5.015 billion yuan, an increase of 9.15 billion yuan year-on-year, representing a growth rate of 22.33%[21] - Net profit for the first quarter of 2022 was CNY 5,032,749, an increase of 21.9% compared to CNY 4,129,745 in the same period of 2021[44] - Operating revenue for Q1 2022 was RMB 12.277 billion, up RMB 2.079 billion or 20.39% year-over-year[20] Cash Flow - The net cash flow from operating activities was negative at CNY -12,930,476, a decrease of 127.80% compared to CNY 46,512,565 in Q1 2021[4] - The net cash flow from financing activities was 50,308,530 thousand RMB, a substantial increase from 1,657,210 thousand RMB in the previous year, showing a growth of over 2,900%[45] - The total cash and cash equivalents at the end of the period reached 43,794,407 thousand RMB, compared to 29,514,283 thousand RMB at the end of Q1 2021, marking an increase of approximately 48.4%[45] - The cash inflow from investment activities totaled 324,946,740 thousand RMB, an increase from 271,753,159 thousand RMB year-over-year, reflecting a growth of about 19.6%[45] - The net cash flow from investment activities was a negative 17,661,573 thousand RMB, an improvement from a negative 44,846,063 thousand RMB in the same period last year[45] Assets and Liabilities - Total assets as of March 31, 2022, were CNY 1,882,609,453, reflecting a year-on-year growth of 7.64%[4] - Total liabilities amounted to RMB 1,755.175 billion, up RMB 128.793 billion or 7.92% year-to-date[19] - The total assets reached 1,882.609 billion yuan as of March 31, 2022, compared to 1,748.947 billion yuan at the end of 2021[31] - The bank's total liabilities increased to CNY 1,755,174,705 as of March 31, 2022, from CNY 1,626,381,955 at the end of 2021, marking a growth of approximately 7.9%[43] Shareholder Information - The number of ordinary shareholders at the end of the reporting period was 79,593[8] - The top three shareholders included BNP Paribas with 1,392,721,067 shares (13.91%), Nanjing Zijin Investment Group with 1,262,531,949 shares (12.61%), and Nanjing Gaoke Co., Ltd. with 1,001,702,465 shares (10.00%)[8] Investment and Loans - Investment income surged to CNY 3,115,390, marking a significant increase of 334.99% year-on-year[7] - Total loans reached RMB 873.552 billion, an increase of RMB 83.230 billion or 10.53% from the beginning of the year[19] - The total loan amount was 873.552 billion yuan, with corporate loans at 631.221 billion yuan and retail loans at 242.332 billion yuan[31] - The company provided 409.12 billion yuan to high-end manufacturing and quality private enterprises, and agricultural loans increased by over 22 billion yuan, up over 19%[25] Risk Management - The non-performing loan ratio stood at 0.90%, down 0.01 percentage points from the beginning of the year, while the provision coverage ratio increased to 398.41%, up 1.07 percentage points[22] - The bank's non-performing loan ratio remained stable, reflecting effective risk management strategies[44] - The migration rate for normal loans decreased to 0.30% as of March 31, 2022, from 1.28% at the end of 2021[34] Business Strategy - The company is focused on enhancing customer marketing and optimizing business structure to drive growth[18] - The company aims to accelerate the transformation of its business segments and achieve high-quality development[18] - The company plans to increase its branch network to over 300 by the end of 2023, adding 100 branches since the end of 2020[28] - The acquisition of a 41% stake in Suning Consumer Finance has been initiated, increasing the company's ownership from 15% to 56% upon completion[30] Operational Efficiency - The cost-to-income ratio improved to 23.78% in Q1 2022, down from 26.50% in the previous quarter[37] - The leverage ratio was 5.53% as of March 31, 2022, compared to 5.78% at the end of 2021[38] - The liquidity coverage ratio was 231.73% as of March 31, 2022, indicating a strong liquidity position[40] - The net stable funding ratio was 115.74% as of March 31, 2022, reflecting a stable funding structure[41]

Financial Performance - As of the end of the reporting period, the company's total assets exceeded 1.74 trillion RMB, an increase of 15.28% year-on-year[40] - Deposits surpassed 1 trillion RMB, reaching 1.07 trillion RMB, a growth of 13.26% compared to the previous year[40] - Loans exceeded 790 billion RMB, with a year-on-year growth of 17.16%[40] - The company achieved an operating income of 40.925 billion RMB, representing a year-on-year increase of 18.74%[40] - Net profit attributable to shareholders of the parent company was 15.857 billion RMB, up 21.04% year-on-year[40] - The company's revenue increased by over 18%, while net profit attributable to shareholders grew by more than 21%[48] - The company's operating income for 2021 was CNY 40,925,185, an increase of 18.74% compared to CNY 34,465,476 in 2020[58] - The net profit attributable to shareholders for 2021 reached CNY 15,856,757, reflecting a growth of 21.04% from CNY 13,100,883 in 2020[58] - The total assets as of the end of 2021 amounted to CNY 1,748,946,747, up 15.28% from CNY 1,517,075,765 in 2020[58] - The total deposits increased to CNY 1,071,704,267, representing a growth of 13.26% from CNY 946,210,819 in 2020[58] Dividends and Shareholder Returns - The company plans to distribute a cash dividend of 4.754 RMB per 10 shares, totaling 4.7573 billion RMB, which accounts for 30% of the net profit attributable to shareholders[37] - The company paid dividends of RMB 1.95 billion and RMB 2.3814 billion for the two series of preferred shares in September and December 2021 respectively[59] Branch Expansion and Digital Transformation - The company aims to add 100 new branches by the end of 2023, having already added 15 branches in 2021[41] - Nanjing Bank plans to enhance its digital capabilities and deepen its retail and transaction banking strategies, aiming for balanced and sustainable growth[42] - The company is focused on digital transformation and has launched key products like the digital credit card "N Card" and "Xin e Partner" to enhance its service capabilities[72] Risk Management and Governance - The bank aims to strengthen risk management in response to increasing external uncertainties, ensuring prudent and compliant operations[42] - Nanjing Bank's governance structure has been improved, with a focus on integrating party leadership into corporate governance[42] - The company has strengthened risk management for group customer credit, optimizing the management system and enhancing compliance checks[142] Community Engagement and ESG Initiatives - The bank emphasized the importance of ESG management and consumer rights protection, with over 14 million RMB donated to educational support over 11 years[42] - The company is actively supporting the "dual carbon" goals, with green finance loan balances nearing 100 billion RMB[41] - The company signed the United Nations Principles for Responsible Banking in November 2021, becoming a member of the UN Environment Programme Finance Initiative[166] Customer and Market Growth - The retail customer AUM (Assets Under Management) increased by over 16%[41] - The total retail customers reached 23.6265 million, an increase of 2.0144 million, representing a growth of 9.32% year-on-year, with private diamond customers growing by 13.31% to 34,291[175] - The number of cash management clients nearly doubled, with close to 50,000 clients signed up for the open banking platform "Xin e Partner"[48] Loan and Asset Management - The non-performing loan ratio has remained below 1% for several years, with a provision coverage ratio of 397.34% and a core Tier 1 capital adequacy ratio of 10.16%[48] - Manufacturing loans increased by over 25%, and green finance loans grew by more than 40%[48] - The overdue loan amount increased to RMB 99.75 billion, up by RMB 21.29 billion, with an overdue loan ratio of 1.26%[128] Financial Investments and Capital Structure - The company has issued 20 billion RMB in convertible bonds and 20 billion RMB in financial bonds to supplement capital and funding[41] - The company reported a total of 22,642,980 thousand RMB in buyback financial assets, with bonds making up 96.82% of this total[108] - The company’s total investment in long-term equity was 6,023,467 thousand RMB, accounting for 0.75% of total financial investments[110] Awards and Recognition - The company was recognized as the "Best Green Finance Regional Commercial Bank" in the 2021 "China Excellence Green Finance Awards" by Asiamoney[56] - The company achieved a credit rating of AAA with a stable outlook from China Chengxin International Credit Rating Co., Ltd.[53] - The company ranked 109th in the "Top 1000 World Banks" by The Banker magazine, improving by 19 places from the previous year[54]