| 证券简称: 南京银行 | 证券代码: 601009 | 编号: 2024-047 | | --- | --- | --- | | 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 第十届董事会第七次会议决议公告 一、关于审议《南京银行股份有限公司 2024 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 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披露的《南京银行股份有限公司 2024 年 第三季度报告》。 二、关于审议《南京银行股份有限公司 2024 年第三季度第三支柱信息披露 报告》的议案 同意 9 票；弃权 0 票；反对 0 票。 三、关于审议《南京银行股份有限公司第三支柱信息披露管理办法》的议 案 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"）第十届董事会第七次会议于 20 ...

Financial Performance - The company's operating revenue for Q3 2024 was 12,342,468 thousand RMB, representing an 8.38% increase year-over-year[3] - Net profit attributable to shareholders for Q3 2024 was 5,068,493 thousand RMB, reflecting a 10.20% increase compared to the same period last year[3] - Basic earnings per share for Q3 2024 were 0.47 RMB, while diluted earnings per share were 0.41 RMB, an increase of 10.81% year-over-year[3] - The company achieved an operating income of RMB 385.58 billion in the first three quarters of 2024, representing an increase of 8.03% year-on-year[14] - The net profit attributable to shareholders was RMB 166.63 billion, marking a growth of 9.02% compared to the same period last year[14] - The basic earnings per share were RMB 1.59, an increase of 8.90% year-on-year[14] - The bank's net profit for the first nine months of 2024 reached CNY 16,772,257, up from CNY 15,375,251 in the same period last year, marking a growth of 9.1%[31] - The bank's total operating income for the first nine months of 2024 was CNY 38,558,036, up from CNY 35,692,157 in the same period last year, representing an increase of 7.9%[31] Asset and Liability Management - Total assets as of September 30, 2024, reached 2,547,037,415 thousand RMB, marking an 11.31% increase from the end of the previous year[4] - The total liabilities amounted to RMB 23,645.11 billion, growing by RMB 2,488.29 billion or 11.76% year-on-year[13] - Total assets increased to CNY 2,547,037,415 as of September 30, 2024, up from CNY 2,288,275,916 at the end of 2023, representing a growth of 11.3%[30] - The total liabilities increased to CNY 2,364,511,277 as of September 30, 2024, compared to CNY 2,115,681,851 at the end of 2023, an increase of 11.7%[30] Cash Flow Analysis - The net cash flow from operating activities for the first nine months of 2024 was -74,559,468 thousand RMB, a significant decrease of 297.37%[7] - Net cash flow from operating activities decreased to -74,559,468 thousand RMB in 2024 from 37,776,700 thousand RMB in 2023, indicating a significant decline[32] - Total cash inflow from operating activities was 129,279,902 thousand RMB in 2023, down from 230,339,615 thousand RMB in 2022[32] - The balance of cash and cash equivalents at the end of the period was 60,293,214 thousand RMB, up from 40,393,832 thousand RMB in 2023[32] Income Composition - The net interest income was RMB 196.14 billion, a decline of 1.36% year-on-year, accounting for 50.87% of total operating income[14] - The non-interest income reached RMB 189.44 billion, an increase of 19.84% year-on-year, making up 49.13% of total operating income[14] - The bank's investment income for Q3 2024 was CNY 3,999,370, compared to CNY 3,050,477 in Q3 2023, reflecting a significant increase of 30.9%[31] Shareholder Information - The total number of ordinary shareholders at the end of the reporting period was 73,459[7] - The total equity attributable to shareholders was 179,177,807 thousand RMB, a 5.67% increase compared to the end of the previous year[4] - The bank's total equity increased to CNY 182,526,138 as of September 30, 2024, up from CNY 172,594,065 at the end of 2023, representing a growth of 5.4%[30] Loan and Deposit Growth - The total deposits increased to RMB 14,025.59 billion, reflecting a growth of RMB 331.51 billion or 2.42% from the previous year[13] - The total loans reached RMB 12,366.97 billion, up by RMB 1,376.24 billion or 12.52% compared to the end of last year[13] - The corporate RMB loan balance reached 931.99 billion yuan, an increase of 116.89 billion yuan, or 14.34% year-on-year[16] - The bank's customer deposits rose to CNY 1,431,756,801, up from CNY 1,396,365,869, indicating a growth of 2.5%[30] Operational Efficiency - The cost-to-income ratio improved to 25.32%, a decrease of 5.15 percentage points from the end of the previous year[14] - The company's non-performing loan ratio is 0.83%, a decrease of 0.07 percentage points from the beginning of the year, with a provision coverage ratio of 340.40%[15] - The migration rate for normal loans decreased to 0.93% from 1.39% in December 2023, showing improved loan performance[23] Business Expansion - The company opened four new branches in 2024, expanding its market presence[19] - The company converted 1.05 billion yuan of convertible bonds into shares, increasing its stake in Jiangsu Financial Leasing to 21.27%[19] - The consumer finance subsidiary increased its registered capital from 5 billion yuan to 5.215 billion yuan, with the company's ownership decreasing to 64.16%[19] User Engagement - The number of active users of the mobile banking app increased by 16.28% year-on-year, enhancing user experience[17]

| 证券简称: 南京银行 | 证券代码: 601009 | 编号: 2024-048 | | --- | --- | --- | | 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 | 一、关于审议《南京银行股份有限公司 2024 年第三季度报告》的议案 会议对本公司 2024 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； 2.报告的内容能够真实、准确、完整地反映本公司的实际情况； 3.所有参与编制和审议的人员未发现违反保密规定的行为。 第十届监事会第六次会议决议公告 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"）第十届监事会第六次会议于 2024 年 10 月 23 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 2024 年 10 月 12 日发出。会议由监事长吕冬阳先生提议召开并主持 ...

| 证券简称: 南京银行 | 证券代码: 601009 | 编号:2024-050 | | --- | --- | --- | | 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 2024 年第三季度业绩说明会的公告 特别提示： 南京银行股份有限公司（以下简称"本公司"）将于 2024 年 10 月 24 日在 上海证券交易所网站（www.sse.com.cn）披露本公司 2024 年第三季度报告。为 便于广大投资者更全面深入地了解本公司 2024 年第三季度业绩和经营情况，本 公司拟于 2024 年 10 月 30 日（星期三）上午 9:00-10:00 召开 2024 年第三季度 业绩说明会，就投资者普遍关注的问题进行交流。 一、业绩说明会召开类型 本次业绩说明会以网络文字互动形式召开，本公司将就 2024 年第三季度业 绩和经营情况与投资者进行交流和沟通，在信息披露允许的范围内就投资者普遍 关注的问题进行交流。 1 本公司董事会及全体董事保证本公告内容不 ...

| 证券代码：601009 | 证券简称：南京银行 | 公告编号：2024-046 | | --- | --- | --- | | 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 | 南银优 2 360024 南京银行股份有限公司 关于实施 2024 年中期权益分派时"南银转债" 一、2024 年中期普通股分红派息基本情况 1．南京银行股份有限公司（以下简称"本公司"）2024 年中期利润分配方案： 以本公司 2024 年 6 月 30 日普通股总股本 10,343,793,521 股计算，向全体普通股 股东每 10 股派送现金股利 3.587 元人民币（含税），共计派发现金股利 37.103 亿元，占合并报表中归属于上市公司股东的净利润的 32.00%。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。 转股连续停牌的提示 ...

Investment Rating - The investment rating for Nanjing Bank is "Buy" and is maintained [8] Core Views - The fundamentals and trading aspects of Nanjing Bank are resonating positively, with the potential for convertible bonds to enhance capital, positioning the bank to return to the forefront of city commercial banks [2] - The recent shareholding increase by Eastern Airport Group, a new shareholder, reflects confidence in Nanjing Bank's future development and value growth [3] - The bank's stock price has reached the convertible bond conversion price, and if all bonds are converted, it could significantly bolster core Tier 1 capital [3] - The bank is expected to continue its strong performance, with projected net profit growth of 10.2% for 2024-2026 [7] Summary by Sections Shareholder Support - Eastern Airport Group increased its stake in Nanjing Bank by 1.09% through the secondary market, indicating strong support from shareholders [3] - Other significant shareholders include Jiangsu State-owned Assets and Nanjing State-owned Assets, which are expected to continue supporting the trading environment [4] Dividend Expectations - The board has approved a mid-year dividend plan for 2024, with a payout ratio increasing by 2% to 32%, suggesting a projected dividend yield of 6.07% based on current prices [5] Performance Outlook - Nanjing Bank is anticipated to maintain a strong growth trajectory, with revenue and profit expected to show significant increases in the upcoming quarters [6] - The bank's fundamentals are supported by a clear value creation strategy, regional development trends, and a new management cycle [6] Financial Projections - Forecasted net profit for 2024 is 20.4 billion, with a projected growth rate of 10.24% [12] - The bank's price-to-book (P/B) ratios for 2024-2026 are estimated at 0.70, 0.64, and 0.58 respectively, with a target price of 13.33 per share, indicating a potential upside of 28% from the current price [7][12]

Investment Rating - The report maintains a **Buy** rating for Nanjing Bank with a target price of **RMB 12.94** [2] Core Views - Nanjing Bank is considered a high-quality city commercial bank with both **dividend yield** and **growth potential** [3] - The bank's strategic transformation is effective, and its business expansion prospects are broad, justifying a valuation premium [3] - The bank's **EPS** is forecasted to be **RMB 1.95/2.19/2.46** for 2024-2026, with a **2025 BVPS** of **RMB 16.18** and a **PB ratio** of **0.64x** [3] - The bank's **2025 target PB** is set at **0.80x**, higher than the industry average of **0.54x** [3] Shareholder Confidence - **Eastern Airport Group Investment Co**, a subsidiary of Jiangsu SASAC, increased its stake in Nanjing Bank by **1.16%**, reflecting confidence in the bank's future development [4] - Earlier in 2024, **BNP Paribas** and **BNP Paribas (QFII)** also increased their stakes, further demonstrating investor confidence in the bank's growth potential [5] Financial Performance - In **H1 2024**, Nanjing Bank reported **7.9% YoY revenue growth** and **8.5% YoY net profit growth**, with a **dividend yield** of **5.04% (TTM)** [6] - The bank's **convertible bonds** are in a critical conversion period, with the current stock price **7% below the mandatory conversion price** [6] - If the remaining **RMB 14.4 billion** convertible bonds are converted, the bank's **core tier 1 capital adequacy ratio** could increase by **0.87pct** to **9.84%** [6] Valuation and Forecasts - The bank's **2024-2026 revenue** is projected to grow at **7.26%/7.50%/8.20%**, reaching **RMB 48.4/52.1/56.3 billion** [7] - **Net profit** is expected to grow at **10.80%/12.29%/12.13%**, reaching **RMB 20.5/23.0/25.8 billion** [7] - The **ROE** is forecasted to be **11.58%/11.93%/12.24%** for 2024-2026, with a **dividend yield** of **5.64%/6.34%/7.10%** [7] Business Strategy - Nanjing Bank is focusing on **corporate banking** in areas like technology innovation, inclusive finance, and international business, while leveraging its retail banking strengths [6] - The bank is also migrating its **consumer finance** experience to its parent bank to expand its business space [6]

Investment Rating - The report maintains a "Buy" rating for Nanjing Bank, with a target price based on the last closing price of 10.12 [1][6]. Core Insights - Nanjing Bank's H1 2024 results show improved revenue growth, with operating income reaching 26.216 billion yuan, a year-on-year increase of 7.87%, and net profit attributable to shareholders at 11.594 billion yuan, up 8.51% year-on-year [2][4]. - The bank's weighted ROE stands at 7.98%, reflecting a slight decrease of 0.16 percentage points year-on-year. The non-performing loan ratio is at 0.83%, down 7 basis points from the end of 2023 [2][4]. - Non-interest income has significantly contributed to revenue growth, with a 25.51% increase to 13.405 billion yuan, driven by a 477.90% rise in the fair value changes of trading financial assets [2][4]. - The bank's loan portfolio shows steady growth, with corporate loans increasing by 16.63% year-on-year and personal loans up by 4.43% [2][4]. - The bank's capital adequacy ratios have slightly decreased, with the core Tier 1 capital adequacy ratio at 8.97%, down 48 basis points year-on-year [2][4]. Summary by Sections Financial Performance - For H1 2024, Nanjing Bank reported operating income of 26.216 billion yuan, a 7.87% increase year-on-year, and net profit of 11.594 billion yuan, an 8.51% increase year-on-year [2][4]. - The bank's projected operating income for 2024-2026 is estimated at 47.851 billion, 50.949 billion, and 54.405 billion yuan, respectively, with corresponding net profits of 19.757 billion, 21.651 billion, and 23.802 billion yuan [4]. Asset Quality - The non-performing loan ratio is reported at 0.83%, with a provision coverage ratio of 345.02%, indicating a strong risk mitigation capacity despite a year-on-year decline [2][4]. Market Position - Nanjing Bank is positioned to leverage its regional advantages in Jiangsu and the Yangtze River Delta, focusing on high-quality growth and stable asset quality [2][4].

| 证券简称: 南京银行 | 证券代码: 601009 | 编号: 2024-045 | | --- | --- | --- | | 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 一、本次权益变动情况概述 近日，南京银行股份有限公司（以下简称"本公司"）收到东部机场集团投 资有限公司《关于增持南京银行股份有限公司股份的告知函》，基于对本公司未 来发展的信心和价值成长的认可，东部机场集团投资有限公司于 2024 年 8 月 23 日至 2024 年 10 月 9 日期间以自有资金通过上海证券交易所交易系统以集中竞价 交易方式增持本公司股份。现将东部机场集团投资有限公司有关权益变动情况公 告如下。 关于东部机场集团投资有限公司 持股比例超过1%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 ●本次权益变动属于增持，不触及要约收购。 ●东部机场集团投资有限公 ...

证券简称:南京银行 证券代码:601009 编号:2024-044 优先股简称：南银优 1 优先股代码：360019 可转债简称：南银转债 可转债代码：113050 经中国证券监督管理委员会《关于核准南京银行股份有限公司公开发行可转换 公司债券的批复》（证监许可[2021]1582号）核准，南京银行股份有限公司（以下 简称"南京银行"或"本公司"）于2021年6月15日向社会公开发行人民币200亿元 的可转换公司债券（以下简称"可转债""南银转债"），每张面值人民币100元， 按面值发行，期限6年。 经上海证券交易所自律监管决定书[2021]285号文同意，本公司200亿元可转换 1 转股情况：截至2024年9月30日，累计已有人民币4,659,702,000元南银转债转 为本公司A股普通股，累计转股数为485,647,025股，占南银转债转股前本公 司已发行A股普通股股份总额的4.8531%。 未转股可转债情况：截至2024年9月30日，尚未转股的南银转债金额为人民币 15,340,298,000元，占南银转债发行总量的比例为76.7015%。 南银优 2 360024 南京银行股份有限公司 关于可转债转股 ...