每经AI快讯，紫金银行（SH 601860，收盘价：2.87元）10月31日发布公告称，公司第五届第三次董事 会会议于2025年10月30日在公司总部以现场方式召开。会议审议了《关于2025年第三季度报告的议案》 等文件。 （记者 贾运可） 每经头条（nbdtoutiao）——多地出现"负电价"，既然卖电"不挣钱"，为何电厂不愿停机？ 2025年1至6月份，紫金银行的营业收入构成为：利息收入占比83.09%，非利息收入占比3.17%。 ...

Group 1 - The core point of the article is that Zijin Bank (601860.SH) reported a decline in both total operating revenue and net profit for the first three quarters of 2025 compared to the previous year [1] Group 2 - For the first three quarters of 2025, the total operating revenue was 3.273 billion yuan, representing a year-on-year decrease of 5.42% [1] - The net profit attributable to shareholders of the parent company was 1.204 billion yuan, showing a year-on-year decline of 10.9% [1] - The basic earnings per share were reported at 0.33 yuan [1]

Core Viewpoint - Zijin Bank, established in 2011 and listed in 2019, is a regional commercial bank in Jiangsu Province, facing challenges in revenue and profit compared to industry peers [1][2]. Group 1: Business Overview - Zijin Bank's main business includes corporate finance, personal finance, funding operations, and others [1]. - As of Q3 2025, the bank reported revenue of 3.273 billion yuan, ranking 8th in the industry, significantly lower than the top competitor, Chongqing Rural Commercial Bank, which reported 21.658 billion yuan [2]. - The bank's net profit for the same period was 1.204 billion yuan, placing it last in the industry rankings [2]. Group 2: Financial Performance - The bank's asset-liability ratio stood at 92.86% in Q3 2025, higher than the industry average of 91.45% [3]. - The gross profit margin was reported at 43.37%, which is below both the previous year's margin of 45.89% and the industry average of 51.47% [3]. Group 3: Shareholder Information - As of September 30, 2025, the number of A-share shareholders increased by 1.08% to 63,000, while the average number of shares held per shareholder decreased by 1.07% to 56,400 [5]. - The largest circulating shareholder, Hong Kong Central Clearing Limited, reduced its holdings by 4.938 million shares [5]. Group 4: Executive Compensation - The chairman of Zijin Bank, Shao Hui, received a salary of 195,300 yuan in 2024 [4].

| 证券代码： 601860 | 证券简称： 紫金银行 | 公告编号：2025-038 | | --- | --- | --- | | 可转债代码：113037 | 可转债简称：紫银转债 | | 江苏紫金农村商业银行股份有限公司 监事会会议决议公告 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。 江苏紫金农村商业银行股份有限公司（以下简称 "本行"）于 2025 年 10 月 30 日在本行总部以现场方式召开监事会会议，会议通知及会议文件已于 2025 年 10 月 20 日以电子邮件方式发出。会议应出席监事 9 人，实际出席监事 9 人。 本次会议的召集、召开符合《公司法》等法律法规和公司章程的有关规定。 会议以现场记名投票表决方式审议通过了以下议案： 1.关于 2025 年第三季度报告审核意见的议案 表决结果：赞成 9 票；反对 0 票；弃权 0 票。 监事会认为，本行 2025 年第三季度报告的编制和审议程序符合《公司法》 等法律、法规以及本行《章程》和内部控制制度的有关规定；2025 年第三季度 报告的内容和格式符合监 ...

| 证券代码： 601860 | 证券简称： 紫金银行 | 公告编号：2025-037 | | --- | --- | --- | | 可转债代码：113037 | 可转债简称：紫银转债 | | 江苏紫金农村商业银行股份有限公司 董事会会议决议公告 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。 江苏紫金农村商业银行股份有限公司（以下简称"公司"）第五届董事会第 三次会议于 2025 年 10 月 30 日在公司总部以现场方式召开。会议通知及会议文 件已于 2025 年 10 月 17 日以电子邮件方式发出。会议应出席董事 11 人，实际出 席董事 10 人，因部分董事任职资格尚需报金融监管机构核准，本次会议有表决 权董事 9 人。孙隽董事因公务原因无法出席本次会议，委托申林董事代为出席。 部分监事及高级管理人员列席会议。会议由董事长邵辉先生主持，会议的召集、 召开符合《公司法》等法律法规和公司章程的有关规定。 表决情况：9 票赞成，0 票反对，0 票弃权。 本议案已经公司董事会审计委员会审议通过。 详见上海证券交易所网站（w ...

重要内容提示 公司董事会、监事会及董事、监事、高级管理人员保证季度报告内容的真实、准确、完整，不存 在虚假记载、误导性陈述或者重大遗漏，并承担个别和连带的法律责任。 公司负责人、主管会计工作负责人及会计机构负责人（会计主管人员）保证季度报告中财务信息 的真实、准确、完整。 江苏紫金农村商业银行股份有限公司 2025 年第三季度报告 证券代码：601860 证券简称：紫金银行 江苏紫金农村商业银行股份有限公司 2025 年第三季度报告 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。 第三季度财务报表是否经审计 □是 √否 审计师发表非标意见的事项 □适用 √不适用 一、主要财务数据 （一） 主要会计数据和财务指标 单位：千元 币种：人民币 项目 本报告期 本报告期比 上年同期增 减变动幅度 (%) 年初至报告期末 年初至报告期 末比上年同期 增减变动幅度 (%) 营业收入 880,642 -18.44 3,273,308 -5.42 利润总额 351,803 -34.43 1,416,561 -10.47 归属于上市公司股东的 ...

Core Insights - The rural commercial bank sector experienced a slight increase of 0.03% on October 30, with Changshu Bank leading the gains [1] - The Shanghai Composite Index closed at 3986.9, down 0.73%, while the Shenzhen Component Index closed at 13532.13, down 1.16% [1] Stock Performance - Changshu Bank (601128) closed at 7.04, up 1.73% with a trading volume of 1,123,500 shares and a transaction value of 800 million yuan [1] - Other notable performances include: - Yunnan Rural Commercial Bank (601077) at 6.88, up 0.29% [1] - Wuxi Bank (600908) at 6.06, up 0.17% [1] - Jiangyin Bank (002807) at 4.79, down 0.21% [1] - Shanghai Rural Commercial Bank (601825) at 8.49, down 0.35% [1] Capital Flow - The rural commercial bank sector saw a net outflow of 21.47 million yuan from institutional investors, while retail investors contributed a net inflow of 18.53 million yuan [1] - Specific capital flows for selected banks include: - Jiangyin Bank (002807) with a net outflow of 29.87 million yuan from institutional investors [2] - Yunnan Rural Commercial Bank (601077) with a net inflow of 19.57 million yuan from institutional investors [2] - Shanghai Rural Commercial Bank (601825) with a significant net outflow of 23.35 million yuan from institutional investors [2]

Core Points - The article emphasizes the importance of raising awareness among grassroots communities about the risks of illegal fundraising and financial scams, particularly targeting vulnerable groups such as the elderly and farmers [2][3] - The event organized by Zijin Rural Commercial Bank in Jiangdu District included various educational materials and interactive activities to effectively communicate financial safety knowledge [2][3] Group 1 - The event featured a "Little Round Service Team" acting as financial educators, using simple stories to explain common scams like "guaranteed high returns" and "agricultural cooperation projects" [2] - The initiative focused on teaching the elderly about safe investment practices, introducing the "three looks and one check" method to identify potential scams [2] - Over a hundred promotional materials were distributed, and more than a hundred consultations were conducted, enhancing residents' awareness and ability to discern illegal fundraising activities [3] Group 2 - Zijin Rural Commercial Bank plans to continue its role as a local financial leader by deepening its ongoing anti-fraud awareness campaigns [3] - The bank aims to strengthen the financial safety net in Jiangdu District, contributing positively to the region's financial stability [3]

Core Points - The rural commercial bank sector experienced a decline of 1.59% on October 29, with Jiangyin Bank leading the drop [1] - The Shanghai Composite Index closed at 4016.33, up 0.7%, while the Shenzhen Component Index closed at 13691.38, up 1.95% [1] Group 1: Stock Performance - Ruifeng Bank (601528) closed at 5.51 with no change in price [1] - Qingnong Commercial Bank (002958) closed at 3.21, down 0.93% [1] - Changshu Bank (601128) closed at 6.92, down 1.14% [1] - Sunong Bank (603323) closed at 5.17, down 1.34% [1] - Zijin Bank (601860) closed at 2.87, down 1.37% [1] - Yunnan Agricultural Commercial Bank (601077) closed at 6.86, down 1.44% [1] - Wuxi Bank (600908) closed at 6.05, down 1.47% [1] - Zhangjiagang Bank (002839) closed at 4.42, down 1.56% [1] - Shanghai Agricultural Commercial Bank (601825) closed at 8.52, down 2.07% [1] - Jiangyin Bank (002807) closed at 4.80, down 2.83% [1] Group 2: Capital Flow - The rural commercial bank sector saw a net inflow of 78.64 million yuan from main funds, while retail funds experienced a net outflow of 10.52 million yuan [2] - Speculative funds had a net outflow of 68.12 million yuan [2]

Market Overview - The rural commercial bank sector experienced a decline of 0.75% on October 28, with Jiangyin Bank leading the drop [1] - The Shanghai Composite Index closed at 3988.22, down 0.22%, while the Shenzhen Component Index closed at 13430.1, down 0.44% [1] Individual Stock Performance - Key stock performances in the rural commercial bank sector included: - Ruifeng Bank: Closed at 5.51, unchanged - Sunong Bank: Closed at 5.24, down 0.19% - Zijin Bank: Closed at 2.91, down 0.34% - Changshu Bank: Closed at 7.00, down 0.57% - Yuanxi Bank: Closed at 6.14, down 0.65% - Hunan Rural Commercial Bank: Closed at 8.70, down 0.68% - Qingnong Bank: Closed at 3.24, down 0.92% - Yunnan Rural Commercial Bank: Closed at 6.96, down 1.00% - Zhangjiagang Bank: Closed at 4.49, down 1.10% - Jiangyin Bank: Closed at 4.94, down 1.20% [1] Capital Flow Analysis - The rural commercial bank sector saw a net inflow of 16.51 million yuan from institutional investors, while retail investors experienced a net outflow of 25.96 million yuan [1] - Detailed capital flow for selected banks included: - Sunong Bank: Net inflow of 13.07 million yuan from institutional investors, with a net outflow of 9.25 million yuan from retail investors [2] - Hunan Rural Commercial Bank: Net inflow of 13.06 million yuan from institutional investors, with a net outflow of 16.03 million yuan from retail investors [2] - Qingnong Bank: Net inflow of 7.95 million yuan from institutional investors, with a net outflow of 7.73 million yuan from retail investors [2] - Jiangyin Bank: Net outflow of 5.93 million yuan from institutional investors, with a net inflow of 8.14 million yuan from retail investors [2]