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 ...

第十届监事会第十次会议决议公告 证券简称: 南京银行 证券代码: 601009 编号: 2025-062 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 表决结果：同意 9 票；弃权 0 票；反对 0 票。 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"）第十届监事会第十次会议于 2025 年 8 月 28 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 8 月 18 日发出。会议由监事长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 年半年度报告及摘要》的议案 表决结果：同意 9 票；弃权 0 票；反对 0 票。 具体详见本公司在上海证券交易所网站披露的《南京银行股份有限公司 2025 年 ...

证券简称: 南京银行 证券代码: 601009 编号: 2025-061 优先股简称：南银优 1 优先股代码：360019 南京银行股份有限公司 第十届董事会第十二次会议决议公告 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。 南京银行股份有限公司（以下简称"本公司"）第十届董事会第十二次会议 于 2025 年 8 月 28 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 8 月 18 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 年半年度报告及摘要》的议案 本议案已经本公司董事会审计委员会事前认可。 南银优 2 360024 同意 10 票；弃权 0 票；反对 0 票。 具体详见本公司在 ...