Core Viewpoint - The company, Zijin Bank, has shown steady growth in its financial performance, with a focus on strategic transformation and enhanced management capabilities, despite facing challenges in the current economic environment [6]. Financial Performance - Total assets reached 2720.90 billion RMB, an increase of 0.79% compared to the beginning of the year [6]. - Total deposits and loans amounted to 2148.15 billion RMB and 1917.93 billion RMB, reflecting growth rates of 2.31% and 1.56% respectively [6]. - Operating income was 23.93 billion RMB, representing a year-on-year growth of 0.49% [6]. - Net profit stood at 9.12 billion RMB, with a slight increase of 0.12% year-on-year [6]. - The non-performing loan ratio was reported at 1.24%, with a provision coverage ratio of 200.48% [6]. Strategic Initiatives - The company is advancing its strategic transformation by upgrading its microfinance department to a primary department, enhancing support in personnel, policies, and resources [6]. - Strategic partnerships have been established with local governments and enterprises to expand business opportunities [6]. - The company is actively developing domestic credit certificate and interbank factoring businesses [6]. Management Enhancements - The management team has signed compliance commitment letters and is promoting a culture of compliance throughout the organization [6]. - A data risk control team has been established to formulate risk mitigation measures [6]. - The company is focusing on key clients to manage and mitigate risk loans effectively [6].

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"本行"或"公司"）第五 届董事会第二次会议于 2025 年 8 月 27 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 8 月 15 日以电子邮件方式发出。会议应出席董事 11 名， 实际出席董事 11 名，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。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。 会议以现场记名投票表决方式审议通过了以下议案： 一、关于 2025 年半年度报告及摘要的议案 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（www.sse.com.cn）发布的相关内容。 二、2025 年半年度第三支柱信息披露报告 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。 三、关于修 ...

Market Overview - On August 29, the rural commercial bank sector declined by 0.23%, with Yunnan Rural Commercial Bank leading the drop [1] - The Shanghai Composite Index closed at 3857.93, up 0.37%, while the Shenzhen Component Index closed at 12696.15, up 0.99% [1] Individual Stock Performance - Key stock performances in the rural commercial bank sector included: - Zijin Bank: Closed at 2.98, up 1.71% with a trading volume of 1.1942 million shares and a turnover of 3.56 billion [1] - Wuxi Bank: Closed at 6.10, up 1.50% with a trading volume of 520,700 shares and a turnover of 321 million [1] - Zhangjiagang Bank: Closed at 4.52, up 0.67% with a trading volume of 671,100 shares and a turnover of 304 million [1] - Qingnong Bank: Closed at 3.42, up 0.59% with a trading volume of 661,700 shares and a turnover of 228 million [1] - Jiangyin Bank: Closed at 4.80, up 0.21% with a trading volume of 510,100 shares and a turnover of 247 million [1] - Ruifeng Bank: Closed at 5.61, down 0.18% with a trading volume of 182,100 shares and a turnover of 103 million [1] - Changshu Bank: Closed at 7.52, down 0.27% with a trading volume of 445,800 shares and a turnover of 338 million [1] - Sunong Bank: Closed at 5.29, down 0.38% with a trading volume of 477,800 shares and a turnover of 255 million [1] - Hunan Rural Commercial Bank: Closed at 18.70, down 0.68% with a trading volume of 364,400 shares and a turnover of 320 million [1] - Yunnan Rural Commercial Bank: Closed at 6.29, down 0.79% with a trading volume of 865,600 shares and a turnover of 552 million [1] Capital Flow Analysis - The rural commercial bank sector experienced a net outflow of 13.4605 million from main funds, while speculative funds saw a net inflow of 38.5712 million, and retail investors had a net outflow of 25.1107 million [1] - Detailed capital flow for individual stocks included: - Sunong Bank: Main funds net inflow of 22.3068 million, speculative funds net inflow of 30.55 million, retail net outflow of 22.6123 million [2] - Jiangyin Bank: Main funds net inflow of 7.4654 million, speculative funds net inflow of 73.39 million, retail net outflow of 8.1993 million [2] - Zijin Bank: Main funds net inflow of 7.3454 million, speculative funds net inflow of 819.73 million, retail net outflow of 15.5427 million [2] - Qingnong Bank: Main funds net inflow of 6.0408 million, speculative funds net inflow of 374.38 million, retail net outflow of 9.7846 million [2] - Wuxi Bank: Main funds net inflow of 3.1286 million, speculative funds net inflow of 96.36 million, retail net outflow of 4.0922 million [2] - Ruifeng Bank: Main funds net outflow of 1.3678 million, speculative funds net inflow of 794.01 million, retail net outflow of 6.5722 million [2] - Zhangjiagang Bank: Main funds net outflow of 2.5651 million, speculative funds net inflow of 438.50 million, retail net outflow of 1.8199 million [2] - Hunan Rural Commercial Bank: Main funds net outflow of 7.2508 million, speculative funds net inflow of 596.70 million, retail net inflow of 128.37 million [2] - Changshu Bank: Main funds net outflow of 8.2141 million, speculative funds net inflow of 620.80 million, retail net inflow of 200.61 million [2] - Yunnan Rural Commercial Bank: Main funds net outflow of 40.3497 million, speculative funds net inflow of 12.71 million, retail net inflow of 40.2227 million [2]

截至发稿，紫金银行市值为107亿元。 每经头条（nbdtoutiao）——申请超2万份，已开出41家，加盟海底捞，你要准备多少钱？1000万元不算 多，真实"账单"公布 每经AI快讯，紫金银行（SH 601860，收盘价：2.93元）8月28日晚间发布公告称，公司第五届第二次董 事会会议于2025年8月27日在公司总部以现场方式召开。会议审议了《关于2025年半年度报告及摘要的 议案》等文件。 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%。 （记者 张喜威） ...

Group 1 - The core point of the article is that Zijin Bank announced the approval of several proposals, including the "2025 Semi-Annual Report and Summary" during the second meeting of its fifth board of directors [2] Group 2 - The announcement was made on the evening of August 28 [2] - The meeting involved the review and approval of multiple proposals [2]

Group 1 - The core point of the article is that Zijin Bank announced the approval of several proposals, including the review opinions on the 2025 semi-annual report and summary by its supervisory board meeting [2] Group 2 - The announcement was made on the evening of August 28 [2] - The proposals approved by the supervisory board include the review of the semi-annual report for 2025 [2] - The meeting reflects the company's ongoing commitment to transparency and governance [2]

Group 1 - The core viewpoint of the article highlights that Zijin Bank (601860.SH) reported its 2025 semi-annual results, showing modest growth in revenue and net profit [1] - The bank achieved an operating income of 2.393 billion yuan and a net profit attributable to shareholders of 912 million yuan, reflecting year-on-year increases of 0.49% and 0.12% respectively [1] - As of the end of June, the total assets of the bank reached 272.09 billion yuan, marking a year-on-year growth of 0.79% [1] Group 2 - The non-performing loan ratio stood at 1.24%, remaining stable compared to the end of the previous year [1]

Group 1 - The core viewpoint of the news is that Zijin Rural Commercial Bank reported its financial performance for the first half of 2025, showing modest growth in revenue and net profit [1] - For the first half of 2025, the bank achieved an operating income of 2.393 billion yuan, a year-on-year increase of 0.49% [1] - The net profit attributable to shareholders reached 912 million yuan, reflecting a year-on-year growth of 0.12% [1] Group 2 - As of the reporting period, the total assets of Zijin Rural Commercial Bank amounted to 272.09 billion yuan, an increase of 0.79% compared to the beginning of the year [1] - The bank's total deposits and loans were 214.81 billion yuan and 191.79 billion yuan, respectively, with increases of 2.31% and 1.56% from the start of the year [1] - Loans to agricultural and small micro enterprises reached 128.38 billion yuan, accounting for 66.9% of the total loan balance [1] Group 3 - The bank's net interest margin stood at 1.18%, which is a decrease of 24 basis points compared to the end of the previous year [1] - The non-performing loan ratio was reported at 1.24%, with a provision coverage ratio of 200.48% [2]

来源：上海证券报·中国证券网 上证报中国证券网讯（记者 黄冰玉）8月28日晚间，紫金银行发布的2025年半年报显示，该行上半年实 现营业收入23.93亿元，同比增长0.49%；归母净利润9.12亿元，同比增长0.12%。 规模增长方面，截至报告期末，紫金银行资产总额2720.90亿元，较年初增长0.79%。各项存款、贷款余 额分别为2148.15亿元、1917.93亿元，较年初分别增长2.31%、1.56%。涉农及小微企业贷款余额1283.80 亿元，占比 66.9%。 资产质量方面，截至报告期末，紫金银行不良贷款率1.24%，拨备覆盖率200.48%；核心一级资本充足 率10.99%，一级资本充足率10.99%，资本充足率13.20%。 ...

人民财讯8月28日电，紫金银行（601860）发布2025年半年报显示，今年上半年该行实现营业收入23.93 亿元，实现归属于上市公司股东的净利润9.12亿，分别同比增长0.49%、0.12%。截至6月末，该行资产 总额2720.90亿元，较上年末增长0.79%；不良贷款率1.24%，与上年末持平。 ...