| 证券简称: | 南京银行 | 证券代码: | 601009 | 编号: | 2025-007 | | --- | --- | --- | --- | --- | --- | | 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 第十届监事会第八次会议决议公告 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。 南京银行股份有限公司（以下简称"本公司"）第十届监事会第八次会议于 2025 年 4 月 21 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 4 月 11 日发出。会议由监事长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 ...

| 证券简称: | 南京银行 | 证券代码: | 601009 | 编号: | 2025-006 | | --- | --- | --- | --- | --- | --- | | 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 第十届董事会第九次会议决议公告 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"）第十届董事会第九次会议于 2025 年 4 月 21 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 4 月 11 日以电子邮件方式发出。谢宁董事长主持了会议，参会 人员通过现场方式出席会议。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 ...

南京银行股份有限公司 证券简称: 南京银行 证券代码: 601009 编号: 2025-008 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 2024 年度利润分配方案公告 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： ●分配比例：2024 年末期每股派发现金股利人民币 0.21176 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。由于本公司发行的可转债处于转股期，若 总股本在实施权益分派的股权登记日前发生变动，届时本公司将维持分配总额不 变，以实施权益分派的股权登记日普通股总股本为基数，相应调整每股分配金额， 并在分红派息实施公告中明确具体分配情况。 ●本公司不触及《上海证券交易所股票上市规则》第 9.8.1 条第一款第（八） 项规定的可能被实施其他风险警示的情形。 一、利润分配方案 （一）利润分配方案的具体内容 南京银行股份有限公司（以下简称"本公 ...

可转债代码：113050 可转债简称：南银转债 重要声明 本报告依据《公司债券发行与交易管理办法》（以下简称"《管理办法》"）《南 京银行股份有限公司 2021 年公开发行 A 股可转换公司债券之债券受托管理协 议》（以下简称"《受托管理协议》"）《南京银行股份有限公司公开发行 A 股可转 换公司债券募集说明书》（以下简称"《募集说明书》"）《南京银行股份有限公司 2024 年年度报告》等相关公开信息披露文件、第三方中介机构出具的专业意见 等，由本期债券受托管理人中信建投证券股份有限公司（以下简称"中信建投证 券"）编制。中信建投证券对本报告中所包含的从上述文件中引述内容和信息未 进行独立验证，也不就该等引述内容和信息的真实性、准确性和完整性做出任何 保证或承担任何责任。 本报告不构成对投资者进行或不进行某项行为的推荐意见，投资者应对相关 事宜做出独立判断，而不应将本报告中的任何内容据以作为中信建投证券所作的 承诺或声明。在任何情况下，投资者依据本报告所进行的任何作为或不作为，中 信建投证券不承担任何责任。 1 证券代码：601009 证券简称：南京银行 优先股代码：360019 优先股简称：南银优 1 优先 ...

Financial Performance - The company's operating revenue for Q1 2025 reached RMB 14,190,018, representing a year-on-year increase of 6.53% compared to RMB 13,319,640 in Q1 2024[5] - Net profit attributable to shareholders was RMB 6,108,485, up 7.06% from RMB 5,705,829 in the same period last year[5] - The net cash flow from operating activities was RMB 100,697,415, a significant increase of 2,855.92% compared to a negative cash flow of RMB -3,653,856 in Q1 2024[5] - The company reported a basic earnings per share of RMB 0.55, unchanged from the previous year, while diluted earnings per share increased by 4.17% to RMB 0.50[6] - The company achieved operating revenue of CNY 14.19 billion, an increase of CNY 870 million or 6.53% year-over-year[19] - Net profit attributable to shareholders was CNY 6.11 billion, up CNY 403 million or 7.06% year-over-year[19] - The net profit for Q1 2025 was CNY 6,139,166, an increase of 6.77% compared to CNY 5,750,607 in Q1 2024[50] - Net interest income rose to CNY 7,752,225 in Q1 2025, up from CNY 6,581,094 in Q1 2024, reflecting a growth of 17.73%[50] Asset and Liability Management - The total assets as of March 31, 2025, amounted to RMB 2,765,237,588, reflecting a growth of 6.71% from RMB 2,591,399,702 at the end of 2024[6] - The total assets of the company reached CNY 2,765.24 billion, an increase of CNY 173.84 billion or 6.71% compared to the beginning of the year[18] - The total liabilities increased to CNY 2,569.24 billion, up CNY 169.79 billion or 7.08% year-to-date[18] - The capital adequacy ratio stood at 13.02%, while the core tier 1 capital ratio was 8.89% as of March 31, 2025[34] - The total loans issued reached CNY 1,313,629,664 as of March 31, 2025, an increase from CNY 1,225,156,405 at the end of 2024[48] Investment and Income - The company experienced a 36.54% increase in investment income, totaling RMB 4,822,428 compared to the previous year[9] - The net interest income was CNY 7.75 billion, an increase of CNY 1.17 billion or 17.80% year-over-year, accounting for 54.63% of total revenue[19] - The company’s wealth management products reached CNY 497.65 billion, an increase of CNY 24.18 billion from the previous year[25] Shareholder Information - The total number of ordinary shareholders at the end of the reporting period was 79,687[12] - The top shareholder, BNP Paribas, holds 1,576,214,136 shares, accounting for 14.23% of the total shares[12] Risk Management - The non-performing loan ratio remained stable at 0.83%, unchanged from the beginning of the year[20] - The provision coverage ratio was 323.69%, indicating strong risk mitigation capabilities[20] - The company plans to enhance asset quality management mechanisms and strengthen credit risk monitoring[21] - The cost-to-income ratio improved slightly to 30.11% in Q1 2025 from 30.47% in Q4 2024[37] - The bank's leverage ratio decreased to 5.93% as of March 31, 2025, down from 6.26% at the end of 2024[43] Future Plans and Market Position - The company plans to continue expanding its market presence and enhancing its product offerings in the upcoming quarters[3] - The company aims to solidify its position as a leading regional comprehensive financial service provider in the next five years[17] Customer and Deposit Growth - Total deposits rose to CNY 1,657.24 billion, reflecting an increase of CNY 161.07 billion or 10.77%[18] - The company’s personal deposit balance reached CNY 551.83 billion, an increase of CNY 75.33 billion or 15.81% from the beginning of the year[23] - Retail customer financial assets grew to CNY 913.59 billion, up CNY 86.64 billion or 10.48% year-on-year[23] - The company’s cash management ecosystem expanded with 146,460 signed clients for the "Xin e Ban" service[22] Cash Flow Analysis - The net cash flow from financing activities showed a significant decline, with a net outflow of (27,792,219) thousand RMB in Q1 2025 compared to a net inflow of 43,029,203 thousand RMB in Q1 2024[52] - The balance of cash and cash equivalents at the end of Q1 2025 was 73,370,516 thousand RMB, compared to 46,556,783 thousand RMB at the end of Q1 2024[52] - The net increase in cash and cash equivalents for Q1 2025 was 9,753,722 thousand RMB, up from 7,637,776 thousand RMB in Q1 2024[52]

Financial Performance - In 2024, the company achieved a revenue growth of 11.32% and a net profit attributable to shareholders growth of 9.05% compared to the previous year[14]. - The company distributed a total cash dividend of RMB 60.54 billion for the year, representing 30% of the net profit attributable to shareholders[8]. - Operating income was CNY 50.27 billion, representing a year-on-year increase of 11.32%[22]. - The net profit attributable to shareholders was CNY 20.18 billion, up by 9.05% year-on-year[22]. - The total assets of the group reached CNY 2.59 trillion, an increase of 13.25%[22]. - The total loans amounted to CNY 1.26 trillion, with a growth rate of 14.31%[22]. - The total deposits reached CNY 1.50 trillion, reflecting a growth of 9.26%[22]. - The net cash flow from operating activities showed a significant decline, with a net outflow of RMB 65,795,334 thousand compared to a net inflow of RMB 37,058,939 thousand in 2023, marking a decrease of 277.54%[37]. - The company's total assets reached RMB 2,591,399,702, an increase of 13.25% compared to the previous year, driven by an increase in loans and other debt investments[49]. - Net profit for the year was RMB 20,364,934, reflecting a growth of 9.31% due to increased operating income[49]. Loan and Deposit Growth - Loans to technology enterprises increased by 38% year-on-year, with the number of clients growing by over 30%[15]. - Green finance loans grew by 25% year-on-year, with multiple innovative products launched[15]. - Inclusive small and micro enterprise loans and agricultural loans increased by 16% and 22% year-on-year, respectively[15]. - The balance of technology finance loans reached RMB 127.2 billion, growing by 37.55% year-to-date[151]. - The balance of green finance loans was RMB 221.615 billion, reflecting a year-to-date growth of 25.20%[151]. - The balance of agricultural loans was RMB 143.544 billion, increasing by 22.30% since the beginning of the year[151]. - The total deposits amounted to RMB 1,496.17 billion, reflecting an increase of RMB 126.76 billion or 9.26% year-over-year, with corporate deposits growing by 8.14% and personal deposits by 11.69%[107]. Asset Quality and Risk Management - The non-performing loan ratio stood at 0.83%, a decrease of 0.07 percentage points from the previous year[22]. - The company maintained a non-performing loan ratio of 0.83% and a provision coverage ratio of 335.27%[64]. - The company has implemented measures to enhance asset quality management, focusing on risk identification and early intervention[121]. - The overdue loans reached RMB 15,920,833 thousand, reflecting an increase of RMB 1,538,329 thousand (10.7%) from the previous year[120]. - The company's non-performing loan (NPL) ratio for corporate loans was 0.66%, a decrease of 0.04 percentage points year-on-year[120]. - The NPL ratio for personal loans was 1.29%, down by 0.21 percentage points compared to the previous year[120]. Digital Transformation and Innovation - The company has successfully implemented digital RMB in nearly 100 scenarios, significantly increasing the online business rate[15]. - The number of mobile app users grew by 27.93%, while monthly active users (MAU) increased by 22.24%[26]. - The company launched various innovative financial products and services, enhancing its comprehensive service capabilities in the retail banking sector[157]. - The company enhanced its retail business through AI and digital tools, improving customer experience and operational efficiency[161]. - The company focused on digital financial development, emphasizing the integration of technology and data to drive high-quality growth[164]. Strategic Initiatives and Future Plans - The company has established a new five-year strategic plan focusing on five major banking constructions: science and technology bank, investment bank, wealth bank, transaction bank, and digital bank[15]. - The company aims to become a leading regional comprehensive financial service provider, focusing on high-quality development and effective risk management[55]. - The company is implementing an eight-pronged strategic support system to achieve its goals, focusing on organizational reform, team capability enhancement, and risk control upgrades[188]. - The company plans to enhance customer acquisition, optimize asset-liability management, and strengthen risk compliance to support long-term growth[189]. - The company anticipates facing challenges from complex international environments, domestic demand insufficiencies, and intensified competition within the banking sector[190]. Awards and Recognition - The company ranked 91st in the 2024 Global Bank 1000 list by The Banker magazine[34]. - The company achieved a AAA credit rating with a stable outlook from China Chengxin International Credit Rating Co., Ltd.[33]. - The company was awarded the "Best Practice Case of Listed Company Board" by the China Association of Public Companies[34]. - The company received multiple awards for its contributions to financial consumer satisfaction and charity, including the "Nanjing Charity Award" for the most caring charitable donation unit[34]. - The company was recognized as an "Outstanding Retail Bank" at the 2024 Retail Banking Summit hosted by Caixin[34].

南京银行股份有限公司 内部控制审计报告 2024年12月31日 南京银行股份有限公司全体股东： 按照《企业内部控制审计指引》及中国注册会计师执业准则的相关要求，我们审 计了南京银行股份有限公司（以下简称"南京银行"）2024年12月31日的财务报告内 部控制的有效性。 二、注册会计师的责任 我们的责任是在实施审计工作的基础上，对财务报告内部控制的有效性发表审计 意见，并对注意到的非财务报告内部控制的重大缺陷进行披露。 三、内部控制的固有局限性 内部控制审计报告 内部控制具有固有局限性，存在不能防止和发现错报的可能性。此外，由于情况 的变化可能导致内部控制变得不恰当，或对控制政策和程序遵循的程度降低，根据内 部控制审计结果推测未来内部控制的有效性具有一定风险。 安永华明（2025）专字第70013046_B01号 南京银行股份有限公司 四、财务报告内部控制审计意见 一、企业对内部控制的责任 按照《企业内部控制基本规范》、《企业内部控制应用指引》、《企业内部控制评价 指引》的规定，建立健全和有效实施内部控制，并评价其有效性是南京银行董事会的 责任。 我们认为，南京银行于2024年12月31日按照《企业内部控制基本 ...

2025 70013046_A03 2024 2024 2024 2024 2023 2024 2025 70013046_A03 2024 3000 ISAE3000 ISAE3000(Revised) 2024 2024 A member firm of Ernst & Young Global Limited 1 A member firm of Ernst & Young Global Limited 1 1 2 3 4 5 6 2 本鉴证报告仅向贵行董事会出具，而无其他目的。我们不会就本报告的内容向任何其他人士 承担任何责任。 (特殊有偏合化) G r 安永华明会计师事务所。《特殊普通合伙） 2025 年 4 月 21 日 中国 北京 3 A member firm of Ernst & Young Global Limited 可持续发展报告独立鉴证报告（续） 安永华明（2025）专字第70013046 A03号 南京银行股份有限公司 七、结论 根据我们所实施的鉴证工作，我们未发现《可持续发展报告》中所选定的 2024 年度关键绩 效信息在所有重大方面存在与编制基础的要求不符合的情况。 八、报告的 ...

南京银行（601009）公告，2025年第一季度营业收入为141.9亿元，同比增长6.53%；净利润为61.08亿 元，同比增长7.06%。 ...

Group 1: Core Insights - The financial performance of eight major city commercial banks shows positive growth in both revenue and net profit for 2024, with Jiangsu Bank leading in both categories, surpassing 80 billion and 30 billion respectively for the first time [4][6][7] - Nanjing Bank recorded the highest revenue growth rate at 11.3%, while Hangzhou Bank led in net profit growth at 18.1%. In contrast, Chongqing Bank had the lowest growth rates in both revenue and net profit, below 4% [4][6][7] - By the end of 2024, seven out of the eight city commercial banks reported double-digit growth in total assets, with Shanghai Bank lagging at 4.6% [6][12] Group 2: Revenue and Profit Analysis - The average revenue growth rate for the eight banks was 7.1%, while the average net profit growth rate was 8.7% [7] - Jiangsu Bank's revenue and net profit were 80.82 billion and 31.84 billion respectively, maintaining its top position. Ningbo Bank followed with revenues of 66.63 billion and net profits of 27.13 billion [7][8] - The profitability ratio, measured as net profit per 100 units of revenue, showed Chengdu Bank at 56, while Changsha Bank was the lowest at 30.8 [8] Group 3: Asset Quality and Risk Management - By the end of 2024, Chongqing Bank had the highest non-performing loan (NPL) ratio at 1.25%, while Shanghai and Changsha Banks followed with ratios of 1.18% and 1.15% respectively [12] - The provision coverage ratio for Chongqing Bank was the lowest at 245.08%, with Shanghai Bank at 269.81%. In contrast, six banks maintained coverage ratios above 300%, with Hangzhou Bank leading at 541.45% [12][13] Group 4: Individual Business Performance - Ningbo Bank's net interest income grew by 17.3% to 47.99 billion, while its fee and commission income fell by 19.3% to 4.66 billion [9][10] - Chongqing Bank reported a 2.6% decrease in net interest income to 10.18 billion, but a significant increase in fee income by 115.7% to 0.89 billion [10][11]