单位：千元 币种：人民币 2023 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 2023 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。 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。 第三季度财务报表是否经审计 □是 √否 (一)主要会计数据和财务指标 2023 年第三季度报告 (二)非经常性损益项目和金额 2 / 12 一、 主要财务数据 1 / 12 | --- | --- | --- | --- | --- | |------------------------------------------------|-------------|----------------------|-------------|----------- ...

2023 年半年度报告 重要提示 一、本公司董事会、监事会及董事、监事、高级管理人员保证半年度报告内容的真实性、准确性、 完整性，不存在虚假记载、误导性陈述或重大遗漏，并承担个别和连带的法律责任。 二、公司全体董事出席董事会会议。 三、 本半年度报告未经审计。 四、公司负责人赵远宽、主管会计工作负责人王清国及会计机构负责人（会计主管人员）李玉宁 声明：保证半年度报告中财务报告的真实、准确、完整。 五、 董事会决议通过的本报告期利润分配预案或公积金转增股本预案 无 六、 前瞻性陈述的风险声明 √适用 □不适用 本报告所涉及的未来计划、发展战略等前瞻性描述不构成公司对投资者的实质性承诺，请投资者 注意投资风险。 七、是否存在被控股股东及其关联方非经营性占用资金情况 否 八、 是否存在违反规定决策程序对外提供担保的情况？ 否 九、 是否存在半数以上董事无法保证公司所披露半年度报告的真实性、准确性和完整性 否 十、 重大风险提示 公司不存在可预见的重大风险。公司经营中面临的风险主要有信用风险、市场风险、流动性风险、 操作风险等，公司已经采取各种措施有效管理和控制各类经营风险，具体详见第十节商业银行信 息披露内容之十四 ...

2022 年年度报告 重要提示 三、 苏亚金诚会计师事务所（特殊普通合伙）为本公司出具了标准无保留意见的审计报告。 四、公司负责人赵远宽、主管会计工作负责人王清国及会计机构负责人（会计主管人员）李玉宁 声明：保证年度报告中财务报告的真实、准确、完整。 九、 是否存在半数以上董事无法保证公司所披露年度报告的真实性、准确性和完整性 否 十、 重大风险提示 五、 董事会决议通过的本报告期利润分配预案或公积金转增股本预案 公司以实施分红派息股权登记日登记的总股本为基数，每10股派发现金股利1.00元（含税）。上 述议案尚待股东大会审议通过。 六、 前瞻性陈述的风险声明 √适用 □不适用 本报告所涉及的未来计划、发展战略等前瞻性描述不构成公司对投资者的实质性承诺，请投资者 注意投资风险。 七、是否存在被控股股东及其他关联方非经营性占用资金情况 否 八、 是否存在违反规定决策程序对外提供担保的情况 否 公司不存在可预见的重大风险。公司经营中面临的风险主要有信用风险、市场风险、流动性风险、 操作风险等，公司已经采取各种措施有效管理和控制各类经营风险，具体详见第四节管理层讨论 与分析之十五: 报告期各类风险和风险管理情况。 ...

Financial Performance - The company's operating income for Q1 2023 was RMB 1,091,012 thousand, representing a year-on-year increase of 1.54%[3] - The net profit attributable to shareholders for the same period was RMB 384,605 thousand, reflecting a growth of 5.5% compared to the previous year[3] - The net cash flow from operating activities reached RMB 20,316,470 thousand, marking an increase of 18.11% year-on-year[3] - The total operating income for Q1 2023 was CNY 1,091,012 thousand, a slight increase from CNY 1,074,414 thousand in Q1 2022, representing a growth of approximately 1.55%[42] - Net profit for Q1 2023 reached CNY 384,605 thousand, compared to CNY 364,541 thousand in Q1 2022, indicating an increase of about 5.5%[34] Assets and Liabilities - The total assets at the end of the reporting period amounted to RMB 255,274,901 thousand, which is a 13.6% increase from the end of the previous year[21] - The total assets of the company reached RMB 255,274.90 million, an increase from RMB 224,722.13 million at the end of 2022[32] - Total liabilities increased to CNY 237,783,566 thousand as of March 31, 2023, compared to CNY 207,624,981 thousand at the end of 2022, marking an increase of about 14.5%[36] - The company's total liabilities increased to RMB 237,783.57 million from RMB 207,624.98 million at the end of 2022[32] Shareholder Equity - The equity attributable to shareholders was RMB 17,491,335 thousand, showing a growth of 2.31% compared to the previous year[21] - The basic earnings per share for Q1 2023 was RMB 0.11, while the diluted earnings per share was RMB 0.10, indicating a decrease of 11.11%[21] Financial Ratios - The non-performing loan ratio improved slightly to 1.19% in Q1 2023 from 1.20% in 2022[28] - The liquidity ratio increased to 64.03% in Q1 2023, compared to 60.47% in the previous year[28] - The company’s net stable funding ratio was 136.36% as of March 31, 2023, up from 131.98% at the end of 2022[30] - The capital adequacy ratio decreased to 13.20% from 14.35% year-over-year[28] - The bank's leverage ratio decreased to 6.30% as of March 31, 2023, down from 6.95% at the end of 2022[38] Cash Flow - The cash and cash equivalents at the end of Q1 2023 were CNY 21,552,867 thousand, compared to CNY 20,149,475 thousand at the end of Q1 2022, indicating an increase of approximately 6.9%[46] - Net cash inflow from operating activities amounted to 20,316,470, compared to 17,201,054 in the previous period[48] - Cash outflow from investment activities was 29,224,459, an increase from 20,086,265[48] - Net cash flow from investment activities showed a significant decline to -12,232,825 from -1,786,082[48] - Cash inflow from financing activities totaled 6,145,266, up from 2,303,390[48] Other Income and Expenses - The company reported a non-operating income of RMB 2,724 thousand, which is classified as non-recurring gains[23] - The company received government subsidies amounting to RMB 1,245 thousand, which are closely related to its normal business operations[5] - The company reported a foreign exchange loss of RMB -35.81 million, indicating a decrease in foreign exchange gains and losses[25] - Other business income increased to RMB 471.86 million, reflecting growth in this segment[25] - Operating income from asset disposals decreased by RMB -88.26 million, indicating a reduction in non-operating income[25]

2022 年第三季度报告 证券代码：601860 证券简称：紫金银行 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 2022 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。 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。 第三季度财务报表是否经审计 □是 √否 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 | --- | --- | --- | --- | --- | |----------------------|-----------|--------------------------------------|-----------------|------------------------------------- ...

2022 年半年度报告 公司代码:601860 公司简称:紫金银行 ZJB 紫金农商银行 同今享 · 共成台 江苏紫金农村商业银行股份有限公司 2022 年半年度报告 2022 年 8 月 1 / 55 2022 年半年度报告 重要提示 一、本公司董事会、监事会及董事、监事、高级管理人员保证半年度报告内容的真实性、准确性、 完整性,不存在虚假记载、误导性陈述或重大遗漏,并承担个别和连带的法律责任。 二、公司全体董事出席董事会会议。 三、本半年度报告未经审计。 四、公司负责人赵远宽、主管会计工作负责人许国玉及会计机构负责人(会计主管人员)田在良 声明:保证半年度报告中财务报告的真实、准确、完整。 五、董事会决议通过的本报告期利润分配预案或公积金转增股本预案 无 六、前瞻性陈述的风险声明 √适用 □不适用 本报告所涉及的未来计划、发展战略等前瞻性描述不构成公司对投资者的实质性承诺,请投资者 注意投资风险。 七、是否存在被控股股东及其关联方非经营性占用资金情况 否 是否存在违反规定决策程序对外提供担保的情况? 八、 音 是否存在半数以上董事无法保证公司所披露半年度报告的真实性、准确性和完整性 九、 否 十、 重大风 ...

2021 年年度报告 公司代码：601860 公司简称：紫金银行 江苏紫金农村商业银行股份有限公司 2021 年年度报告 1 / 183 2021 年年度报告 重要提示 一、 本公司董事会、监事会及董事、监事、高级管理人员保证年度报告内容的真实、准确、完整， 不存在虚假记载、误导性陈述或重大遗漏，并承担个别和连带的法律责任。 二、 公司全体董事出席董事会会议。 三、 苏亚金诚会计师事务所（特殊普通合伙）为本公司出具了标准无保留意见的审计报告。 四、 公司法定代表人赵远宽、主管会计工作负责人许国玉及会计机构负责人田在良声明：保证年 度报告中财务报告的真实、准确、完整。 五、 经董事会审议的报告期利润分配预案或公积金转增股本预案 公司以实施分红派息股权登记日登记的总股本为基数，每10股派发现金股利1.00元（含税） 。上述议案尚待股东大会审议通过。 六、 前瞻性陈述的风险声明 √适用□不适用 本报告所涉及的未来计划、发展战略等前瞻性描述不构成公司对投资者的实质性承诺，请投 资者注意投资风险。 七、 是否存在被控股股东及其关联方非经营性占用资金情况 否 八、 是否存在违反规定决策程序对外提供担保的情况 否 九、 是 ...

Financial Performance - The net profit for 2021 was 1.515 billion yuan, reflecting a year-on-year increase of 5.1%, while the non-performing loan ratio improved to 1.45%, the best level since the company went public[14]. - Operating revenue for 2021 was CNY 4,502,101 thousand, a slight increase of 0.57% compared to CNY 4,476,750 thousand in 2020[42]. - The company’s audited net profit for 2021 was CNY 1,515,203,246.44, with a total distributable profit of CNY 2,792,298,506.42[182]. - The net profit before tax was 1.779 billion RMB, representing a year-on-year growth of 11.16%[95]. - The company achieved operating income of 4,502,101 thousand RMB, a year-on-year increase of 0.57%[93]. - The net interest income was 3.959 billion RMB, an increase of 3.09% year-on-year[105]. - The company reported a decrease in operating costs by 6.52%, totaling 2,724,653 thousand RMB[93]. - The average interest rate on loans was 4.71%, slightly down from 4.86% in the previous year[102]. Asset and Loan Growth - As of the end of 2021, the total assets of Zijin Bank reached 206.7 billion yuan, with a deposit balance of 156.2 billion yuan, an increase of 8 billion yuan from the beginning of the year[14]. - The loan balance was 140.1 billion yuan, growing by 19.4 billion yuan year-on-year, with agricultural and small micro loans accounting for 55.46% of the total[14]. - Total loans and advances increased by 16.05% to CNY 140,059,315 thousand from CNY 120,689,850 thousand in 2020[45]. - The loan-to-asset ratio improved to 67.77%, up by 12.32 percentage points from the beginning of the year[60]. - The company added 341,500 new registered households and 93,300 new credit accounts during the reporting period, with a new credit balance of 3.74 billion yuan[70]. - The company provided 84.421 billion CNY in loans to small and micro enterprises, with a total of 25.931 billion CNY in inclusive loans, an increase of 9.552 billion CNY year-on-year[87]. - The company completed 465 village-level credit assessments, providing loan credit of 38.198 billion CNY to 377,100 rural households[88]. Risk Management - The bank's risk management initiatives included the implementation of automated monitoring systems for credit fund flows and the establishment of a comprehensive risk management framework[20]. - The company is enhancing its risk management framework, focusing on credit, market, liquidity, and compliance risks[65]. - The overdue loans over 90 days accounted for 48.46% of non-performing loans at the end of the reporting period[138]. - The provision for impairment losses on loans and advances decreased significantly to CNY 772,109 in 2021 from CNY 1,206,159 in 2020[111]. Innovation and Product Development - The bank's innovative products included the "Jinling Huinong Small Loan" and carbon emission rights pledge loans, contributing to its service for rural revitalization[15]. - The company launched innovative financial products such as "Jinling Huinong Micro Loan" and "Tax Micro Loan" to support rural revitalization and small businesses[34]. - The company launched the "Zijin Micro e-loan" product, combining online and offline operations to improve efficiency for small and micro enterprises[83]. - The company has established a green loan product system, including "Green Loan," "Green Energy Loan," and "Environmental Protection Loan" to support various environmental initiatives[165]. Market Position and Recognition - The company achieved a significant milestone by being ranked 505th in the 2021 Global 1000 Banks list by The Banker magazine[38]. - The company was recognized as one of the top 100 banks in China by the China Banking Association in 2021[38]. - The company has committed to sustainable development, becoming the first rural commercial bank in China to publish an ESG report[34]. Strategic Focus and Future Plans - The bank plans to focus on "strategic grasp, innovation emphasis, risk control, and cultural building" in 2022 to enhance its competitive edge and risk management capabilities[16]. - The company aims to become a leading rural commercial bank with a focus on service innovation and compliance development[38]. - The company plans to focus on expanding its market presence and enhancing its product offerings in the upcoming year[107]. - The company aims for a deposit growth of 11.5%, loan growth of 12.8%, and a net profit increase of over 4.67% for 2022[157]. Social Responsibility and Community Engagement - The company has actively engaged in social responsibility initiatives, including donations to schools and support for vulnerable groups, reaching over 124,000 people through volunteer services[170]. - The company donated over CNY 1.01 million in various materials for health and education support, including 10,000 health gift boxes to key rural areas in Nanjing[170]. - The company has established a volunteer service team for the protection of the Yangtze River dolphin, engaging customers in conservation efforts[168]. Employee Engagement and Corporate Culture - The number of young employees under 35 reached 107, accounting for 34.51% of the total workforce by the end of 2021[173]. - The company has established 20 employee clubs and organized various health and sports activities to enhance employee well-being and brand influence[173]. - The company has implemented a three-level consumer rights protection system, enhancing customer experience and satisfaction[174]. Shareholder and Profit Distribution Policies - A cash dividend of CNY 1 per 10 shares (totaling CNY 366,095,756.60) is proposed for distribution to shareholders[182]. - The company has committed to maintaining a continuous and stable profit distribution policy, with cash distributions not exceeding the cumulative distributable profit[184]. - The company will evaluate the implementation of the shareholder dividend return plan at least once every three years[188].

2022 年第一季度报告 单位：千元 币种：人民币 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 2022 年第一季度报告 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个别及连带责任。 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报表 信息的真实、准确、完整。 第一季度财务报表是否经审计 □是 √否 一、 主要财务数据 (一)主要会计数据和财务指标 | --- | --- | --- | |-----------------------------------------------|------------|-------------------------------------| | 项目 | 本报告期 | 本报告期比上年同期增减 变动幅度 (%) | | 营业收入 | 1,074,414 | 3.4 ...

Financial Performance - The company's operating revenue for Q3 2021 was CNY 1,197,648,000, representing a year-on-year increase of 15.43%[7] - The net profit attributable to shareholders for the same period was CNY 440,236,000, with a year-on-year increase of 2.46%[7] - The net profit after deducting non-recurring gains and losses was CNY 436,317,000, reflecting a 4.25% increase compared to the previous year[11] - The net profit for the third quarter of 2021 was 1,189,053 thousand RMB, compared to 1,158,647 thousand RMB in the same quarter of 2020, reflecting an increase of approximately 2.63%[40] - Total operating revenue for the first three quarters of 2021 was 3,308,221 thousand RMB, a decrease from 3,503,258 thousand RMB in the same period of 2020, representing a decline of approximately 5.57%[37] - Net interest income increased to 2,945,364 thousand RMB in 2021 from 2,904,407 thousand RMB in 2020, showing a growth of about 1.41%[37] - The company reported a decrease in investment income of 59.81%, amounting to CNY 194,763,000 compared to CNY 484,612,000 in the previous year[12] - The company reported a decrease in investment income to 194,763 thousand RMB in 2021 from 484,612 thousand RMB in 2020, a decline of about 59.83%[37] Assets and Liabilities - The total assets at the end of the reporting period amounted to CNY 217,837,797,000, showing a slight increase of 0.08% from the end of the previous year[11] - Total assets as of September 30, 2021, reached RMB 217,837,797 thousand, an increase from RMB 217,664,378 thousand at the end of 2020[19] - The total liabilities decreased to RMB 202,032,303 thousand from RMB 202,849,278 thousand at the end of 2020[19] - The total liabilities decreased to 202,032,303 thousand RMB from 202,849,278 thousand RMB, a reduction of approximately 0.40%[34] - The total cash and cash equivalents at the end of the period stood at 13,960,369, down from 28,353,736 in the previous period[47] Equity and Shareholder Information - The total equity attributable to shareholders increased to CNY 15,805,494,000, marking a 6.69% increase from the previous year[11] - Shareholder equity increased to RMB 15,805,494 thousand, up from RMB 14,815,100 thousand at the end of 2020[19] - The number of ordinary shareholders at the end of the reporting period was 72,674[14] - The top two shareholders held 16.28% of the total shares, with 南京紫金投资集团有限责任公司 holding 8.96% and 江苏省国信集团有限公司 holding 7.32%[14] - The company paid 948,600 in dividends, a decrease from 1,151,886 in the previous period[47] Cash Flow - The company's cash flow from operating activities showed a significant negative value of CNY -18,870,389,000, a decrease of 277.16% year-on-year[11] - Net cash inflow from operating activities was -18,870,389, a significant decrease compared to 10,651,562 in the previous period[45] - Cash inflow from investment activities totaled 74,238,284, while cash outflow was 64,943,232, resulting in a net cash flow of 9,295,052[45] - Cash inflow from financing activities was 32,950,000, with cash outflow of 30,871,835, leading to a net cash flow of 2,078,165[47] Ratios and Performance Metrics - The weighted average return on net assets was 2.83%, a decrease of 0.24 percentage points compared to the same period last year[11] - The non-performing loan ratio improved to 1.35% from 1.68% in 2020[22] - The liquidity ratio increased to 65.59% from 51.36% in 2020[22] - The capital adequacy ratio decreased to 14.54% from 16.81% in 2020[21] - The net stable funding ratio was reported at 128.22% for Q3 2021, slightly down from 128.69% in Q2 2021[28] - The loan loss provision coverage ratio improved to 242.37% from 220.15% in 2020[22] - The leverage ratio as of September 30, 2021, was 6.81%, up from 6.54% at the end of 2020[27] Other Financial Metrics - The company’s basic earnings per share remained stable at 0.32 RMB for both 2021 and 2020[40] - The company’s credit impairment losses were reported at 840,968 thousand RMB, a decrease from 1,236,035 thousand RMB in the previous year, indicating an improvement of approximately 31.99%[37] - The company’s cash and deposits with central banks were reported at 11,453,874 thousand RMB, down from 12,571,667 thousand RMB, a decrease of approximately 8.87%[34] - Net increase in customer deposits and interbank deposits amounted to 5,058,182 and 19,074,131 respectively[45] - Interest, fees, and commissions received amounted to 6,647,194, showing a slight increase from 6,212,924[45] - The impact of exchange rate fluctuations on cash and cash equivalents was -4,167, compared to -4,681 previously[47]