Core Insights - Nanjing Bank reported a revenue of 41.949 billion yuan for the first three quarters of 2025, an increase of 8.79% year-on-year [1] - The net profit attributable to shareholders reached 18.005 billion yuan, reflecting a growth of 8.06% compared to the same period last year [1] Financial Performance - The bank's net interest income was 25.207 billion yuan, up 28.52% year-on-year, accounting for 60.09% of total revenue [1] - Non-interest income decreased by 11.63% to 16.742 billion yuan, making up 39.91% of total revenue [1] - The cost-to-income ratio improved to 23.27%, down 4.81 percentage points from the end of the previous year [1] Business Scale - As of the end of the reporting period, total assets reached 2.9623 trillion yuan, an increase of 370.908 billion yuan or 14.31% from the end of the previous year [1] - Total liabilities amounted to 2.7468 trillion yuan, growing by 347.373 billion yuan, a 14.48% increase [1] - Total deposits were 1.6406 trillion yuan, up 144.383 billion yuan, reflecting a growth of 9.65% [1] - Total loans reached 1.4115 trillion yuan, increasing by 155.083 billion yuan, a rise of 12.34% [1] Asset Quality - The non-performing loan ratio stood at 0.83%, unchanged from the beginning of the year [2] - The provision coverage ratio was reported at 313.22% [2] Profit Distribution - The bank's board approved a mid-year profit distribution plan, proposing a cash dividend of 3.062 yuan per 10 shares, totaling 3.7857 billion yuan, which is 30% of the net profit attributable to shareholders [2]

Core Viewpoint - Nanjing Bank announced its third quarter report for 2025 during the board meeting held on October 27, 2025, indicating a significant focus on financial performance and operational updates [1]. Financial Performance - For the first half of 2025, Nanjing Bank reported that interest income accounted for 145.98% of its total revenue, while non-interest income made up 12.08% [1]. - The current market capitalization of Nanjing Bank is 140.3 billion yuan [1].

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11月12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年第二次临时股东大会 (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：2025-11-12 14 点 30 分 召开地点：江苏省南京市建邺区江山大街 88 号本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。 证券代码：601009 证券简称：南京银行 公告编号：2025-077 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年第二次临时股东大会的通知 (七)涉及公开征集股东投票权 不涉及 二、 会议审议事项 本次股东大会审议议案及投票股东类型 | 序号 | 议案名称 | 投票股东类 ...

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]