Financial Performance - As of the end of 2023, the total assets of the company reached 247.664 billion yuan, an increase of 22.942 billion yuan, representing a growth of 10.21% compared to the beginning of the year[7] - Operating profit and net profit were 1.992 billion yuan and 1.619 billion yuan, respectively, with growth rates of 2.55% and 1.16%[7] - Operating revenue for 2023 was CNY 4,419,752, a decrease of 1.93% compared to CNY 4,506,757 in 2022[20] - Net profit for 2023 reached CNY 1,618,684, reflecting a slight increase of 1.16% from CNY 1,600,177 in 2022[20] - The net cash flow from operating activities decreased by 10.89% to CNY 5,841,913 from CNY 6,555,690 in 2022[20] - Basic earnings per share remained stable at CNY 0.44, unchanged from 2022[20] - The average return on total assets for shareholders decreased to 0.69%, down 0.05 percentage points from 0.74% in 2022[20] - The weighted average return on equity for shareholders decreased to 9.10%, down 0.54 percentage points from 9.64% in 2022[20] Loan and Deposit Growth - The deposit balance was 196.774 billion yuan, up by 20.862 billion yuan, with a growth rate of 11.86%[7] - The loan balance stood at 177.222 billion yuan, increasing by 16.926 billion yuan, reflecting a growth of 10.56%[7] - The company achieved a loan balance of 109.2 billion yuan for agricultural and small micro loans, which accounted for 90% of the annual loan increment, with an increase of 15.3 billion yuan[8] - The balance of inclusive micro-enterprise loans was RMB 32.58 billion, with a growth rate of 14.75%, exceeding the average growth rate of all loans[141] - The company's agricultural and small micro-loan balance reached RMB 109.25 billion, an increase of RMB 15.31 billion from the beginning of the year, accounting for 61.59%, up 3.03 percentage points[153] Risk Management and Asset Quality - The non-performing loan ratio was 1.16%, a decrease of 0.04 percentage points from the beginning of the year, while the provision coverage ratio improved to 247.25%, up by 0.59 percentage points[7] - The non-performing loan ratio improved to 1.16%, a decrease of 0.04 percentage points from the beginning of the year, marking the best performance in recent years[83] - Provision coverage ratio increased to 247.25%, up by 0.59 percentage points since the beginning of the year[47] - Non-performing loans increased by 6.52% to RMB 2,053,603,000, while loan loss provisions grew by 6.78% to RMB 5,077,631,000[96] Strategic Initiatives and Innovations - The company launched several innovative financial products, including "Jinling Huinong Small Loan" and "Huinong Fast Loan," to support rural revitalization[16] - The company aims to enhance its core competitiveness and achieve high-quality development through a strategic focus on product and service innovation[30] - The company is focusing on digital transformation and enhancing financial services through technology, aiming for sustainable development[41] - The company has implemented a high-quality development three-year action plan (2023-2025) to enhance strategic management effectiveness[138] - The company has established a green finance center to manage and promote green finance business across the organization[147] Community Engagement and Social Responsibility - The company established a rural revitalization charity fund, donating CNY 1.5 million for poverty alleviation projects and related activities[81] - The company conducted 354 financial knowledge promotion activities during the reporting period, reaching 130,000 customers[135] - The company has conducted 983 village outreach activities, engaging nearly 30,000 participants from rural households and new agricultural operators[199] - The company has supported 24 major agricultural projects with a loan disbursement of CNY 486 million, contributing to the development of the agricultural sector[198] Governance and Management - The company’s governance structure was enhanced, with 5 board meetings held, reviewing 53 proposals[170] - The company’s management team consists of experienced professionals with backgrounds in finance and banking, contributing to strategic decision-making[179] - The total pre-tax remuneration for the chairman Zhao Yuankuan is CNY 1.4747 million, while the vice chairman Zhu Ming received CNY 1.4311 million[174] Employee Development - The total number of employees was 2,405, with 400 holding a master's degree or above[160] - The company conducted a total of 103 training sessions during the reporting period, achieving a 100% employee coverage rate[168]

证券代码： 601860 证券简称： 紫金银行 公告编号：2024-016 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 第四届监事会第十四次会议决议公告 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 "公司"）第四届监事会 第十四次会议于 2024 年 4 月 24 日在公司总部以现场方式召开。会议通知及会议 文件已于 2024 年 4 月 13 日以电子邮件方式发出。本次会议由监事长陈亚先生主 持，会议应出席监事 9 人，亲自出席监事 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： 一、2023 年度监事会工作报告 同意将该报告提交 2023 年度股东大会审议。 表决结果：赞成 9 票；反对 0 票；弃权 0 票。 二、关于 2023 年年度报告及摘要审核意见的议案 监事会认为,本行 2023 年年度报告及摘要的编制和审议程序符合《公司法》 等法律、法规以及本行《章 ...

证券代码： 601860 证券简称： 紫金银行 公告编号：2024-018 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 关于续聘会计师事务所的公告 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个别及连带责任。 重要内容提示： 续聘会计师事务所名称:立信会计师事务所（特殊普通合伙） 一、拟聘用会计师事务所的基本情况 会计师事务所名称：立信会计师事务所（特殊普通合伙） 成立日期：2011 年 1 月 24 日 统一社会信用代码：91310101568093764U 注册地址：上海市黄浦区南京东路 61 号四楼 （一）机构信息 1.基本信息 立信近三年因执业行为受到刑事处罚 0 次、行政处罚 1 次、监督管理措施 29 次、自律监管措施 1 次和纪律处分 0 次，涉及从业人员 75 名。 首席合伙人：朱建弟 立信会计师事务所（特殊普通合伙）（以下简称"立信"）于 1927 年在上海 创建，1986 年复办，2010 年成为全国首家完成改制的特殊普通合伙制会计师事 务所，注册地址为上海市，首席合伙人为朱建 ...

江苏紫金农村商业银行股份有限公司 2023 年度独立董事述职报告 独立董事刘志友述职报告 本人刘志友,1962年6月出生,本科学历。曾任江苏银行 学校暨南京金融高等专科学校助教、讲师、副教授、金融系副主 任、主任,南京审计学院副教授、教授、金融系副主任、浦口校 区管委会主任、学生处处长、统战部部长、机关党委书记。现任 云南陆良农村商业银行独立董事,本公司独立董事,本公司董事 会战略与普惠金融委员会委员、风险管理与关联交易控制委员会 委员。 (二)关于独立性的说明 作为江苏紫金农村商业银行股份有限公司(以下简称"公 司")的独立董事,2023年度,本人严格按照《公司法》、《银行 保险机构公司治理准则》、《上市公司独立董事管理办法》等法律 法规、规范性文件及公司《章程》、《独立董事制度》等相关规定 和要求,忠实履行独立董事的职责,勤勉尽责,建言献策,切实 维护公司和股东特别是中小股东合法权益。现将 2023年度履行 独立董事职责情况报告如下: 一、基本情况 （一）工作履历、专业背景情况 - 1 - 2023年,本人对独立性情况进行了自查,经自查,本人任 职符合《上市公司独立董事管理办法》规定的要求,不存在影响 独 ...

Financial Performance - The company's operating revenue for Q1 2024 was CNY 1,198,420, representing a year-on-year increase of 9.84%[5] - The net profit attributable to shareholders for the same period was CNY 405,376, reflecting a growth of 5.4% compared to the previous year[5] - The basic earnings per share for Q1 2024 was CNY 0.11, while diluted earnings per share was CNY 0.10[6] - Net profit for Q1 2024 was RMB 405,376 thousand, compared to RMB 384,605 thousand in Q1 2023, reflecting an increase of 5.4%[24] - Total operating income for Q1 2024 reached RMB 1,198,420 thousand, up from RMB 1,091,012 thousand in Q1 2023, marking an increase of 9.8%[24] Assets and Liabilities - Total assets at the end of the reporting period reached CNY 261,597,774, an increase of 5.63% from the previous year[6] - Total assets as of March 31, 2024, reached RMB 261,597,774 thousand, an increase from RMB 247,664,435 thousand as of December 31, 2023, representing a growth of approximately 5.4%[15] - Total liabilities increased to RMB 242,627,423 thousand from RMB 229,192,516 thousand, reflecting a rise of about 5.9%[15] - The bank's total liabilities increased to RMB 242,627,423 thousand as of March 31, 2024, from RMB 229,192,516 thousand as of December 31, 2023, an increase of 5.9%[22] - Shareholder equity rose to RMB 18,970,351 thousand, up from RMB 18,471,919 thousand, indicating an increase of approximately 2.7%[15] - The bank's total equity increased to RMB 18,970,351 thousand as of March 31, 2024, compared to RMB 18,471,919 thousand as of December 31, 2023, reflecting a growth of 2.7%[23] Cash Flow - The net cash flow from operating activities decreased by 38.32%, amounting to CNY 12,531,197[6] - In Q1 2024, the net cash flow from operating activities was CNY 12,531,197, a decrease of 38.5% compared to CNY 20,316,470 in Q1 2023[27] - The company reported a total cash inflow of CNY 21,990,457 from operating activities, down 28.3% from CNY 30,629,416 in Q1 2023[27] - Cash inflow from investment activities totaled CNY 42,797,739, significantly higher than CNY 16,991,634 in Q1 2023, marking an increase of 151.2%[27] - The net cash flow from investment activities was negative CNY 2,913,312, an improvement from negative CNY 12,232,825 in Q1 2023[27] - The net cash flow from financing activities was negative CNY 5,384,235, a decline from positive CNY 2,059,741 in the previous year[30] Investment and Income - The company reported a significant increase in investment income by 400.93%, attributed to higher bond disposal gains[8] - The bank's interest income for Q1 2024 was RMB 2,240,537 thousand, slightly down from RMB 2,247,528 thousand in Q1 2023, a decrease of 0.3%[24] - The bank's credit impairment losses for Q1 2024 were RMB 381,315 thousand, up from RMB 300,280 thousand in Q1 2023, an increase of 27%[24] - The bank's other comprehensive income after tax for Q1 2024 was RMB 93,055 thousand, significantly higher than RMB 9,577 thousand in Q1 2023, indicating a substantial improvement[24] Shareholder Information - The number of ordinary shareholders at the end of the reporting period was 70,240[10] - The top shareholder, Nanjing Zijin Investment Group Co., Ltd., held 328,129,524 shares, representing 8.96% of the total shares[11] Ratios and Efficiency - The return on average equity was 2.17%, a decrease of 0.07 percentage points compared to the previous period[6] - The liquidity ratio decreased to 67.84% from 78.95% year-over-year, indicating a decline in liquidity management[17] - The cost-to-income ratio improved to 30.96% from 38.31%, suggesting enhanced operational efficiency[17] - The net stable funding ratio was reported at 130.21%, slightly down from 130.30% in the previous period[19] - Core Tier 1 capital adequacy ratio stood at 10.12%, down from 10.28%[16] Loan Quality - The non-performing loan ratio remained stable at 1.16% for both the first quarter of 2024 and the previous year[17] - The ratio of normal loans was 97.65% as of March 31, 2024, compared to 97.88% as of December 31, 2023, indicating a slight decline in loan quality[21]

证券代码： 601860 证券简称： 紫金银行 公告编号：2024-015 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 第四届董事会第十七次会议决议公告 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"）第四届董事会第 十七次会议于 2024 年 4 月 24 日在公司总部以现场方式召开。会议通知及会议文 件已于 2024 年 4 月 12 日以电子邮件方式发出。本次会议应出席董事 10 名，实 际出席董事 9 名，张丁董事因公务原因无法出席本次会议，委托孙隽董事代为出 席。部分监事及高级管理人员列席会议。本次会议由董事长赵远宽先生主持，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、关于提名第四届董事会独立董事候选人的议案 表决情况：10 票赞成，0 票反对，0 票弃权。 同意提名张龙耀先生为公司第四届董事会独立董事候选人，张龙耀先生（简 历详见附件）符合法律、法规和公 ...

证券代码： 601860 证券简称： 紫金银行 公告编号：2024-017 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 关于2024年度部分关联方日常关联交易预计额度的公告 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个别及连带责任。 重要内容提示： 一、日常关联交易履行的审议程序 本行于 2024年 04月 24日召开第四届董事会第十七次会议， 审议并通过了关于 2024 年度部分关联方日常关联交易预计额度 的议案，表决结果：赞成 5 票；反对 0 票；弃权 0 票。关联董 事孙隽、张丁、薛炳海、侯军、岑赫回避表决。本议案需提交公 司股东大会审议，关联股东需回避表决。 独立董事专门会议审议情况： 本行于 2024 年 04 月 23 日召开第四届董事会第九次独立董 - 1 - 该日常关联交易事项需提交江苏紫金农村商业银行股份有 限公司（以下简称"公司"或"本行"）股东大会审议。 该日常关联交易事项对公司的持续经营能力、损益及资产 状况不构成重要影响。 事专门会议，审议并通过了关于 2024 年度 ...

独立董事候选人声明与承诺 本人张龙耀,已充分了解并同意由提名人江苏紫金农村商业银行 股份有限公司董事会提名为江苏紫金农村商业银行股份有限公司第四 届董事会独立董事候选人。本人公开声明,本人具备独立董事任职资 格,保证不存在任何影响本人担任江苏紫金农村商业银行股份有限公 司独立董事独立性的关系,具体声明并承诺如下: 被提名人已经参加培训并取得证券交易所认可的相关培训证明材 料(如有)。 二、本人任职资格符合下列法律、行政法规和部门规章以及公司 规章的要求: (一)《中华人民共和国公司法》关于董事任职资格的规定; (二)(中华人民共和国公务员法》关于公务员兼任职务的规定(如 适用); 一、本人具备上市公司运作的基本知识,熟悉相关法律、行政法 规、部门规章及其他规范性文件,具有5年以上法律、经济、会计、 财务、管理或者其他履行独立董事职责所必需的工作经验。 (三)中国证监会《上市公司独立董事管理办法》、上海证券交易 所自律监管规则以及公司章程有关独立董事任职资格和条件的相关规 定; (四)中共中央纪委、中共中央组织部《关于规范中管干部辞去 公职或者退（离）休后担任上市公司、基金管理公司独立董事、独立 监事的通知》的 ...

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 2023 年度内部控制评价报告 江苏紫金农村商业银行股份有限公司全体股东： 根据《企业内部控制基本规范》及其配套指引的规定和其他内部控制监管要求（以下简称企业内部 控制规范体系），结合本公司（以下简称公司）内部控制制度和评价办法，在内部控制日常监督和专项 监督的基础上，我们对公司2023年12月31日（内部控制评价报告基准日）的内部控制有效性进行了评价。 一. 重要声明 根据公司财务报告内部控制重大缺陷的认定情况，于内部控制评价报告基准日，不存在财务报告内 部控制重大缺陷，董事会认为，公司已按照企业内部控制规范体系和相关规定的要求在所有重大方面保 持了有效的财务报告内部控制。 3. 是否发现非财务报告内部控制重大缺陷 □是 √否 根据公司非财务报告内部控制重大缺陷认定情况，于内部控制评价报告基准日，公司未发现非财务 报告内部控制重大缺陷。 4. 自内部控制评价报告基准日至内部控制评价报告发出日之间影响内部控制有效性评价结论的因素 按照企业内部控制规范体系的规定，建立健全和有效实施内部控制，评价其有效性，并如实披露内 部控制评价报告是 ...

2023 年度 江苏紫金农村商业银行股份有限公司 环境、社会及治理（ESG）报告 Jiangsu Zijin Rural Commercial Bank CO.,LTD. ESG (Environmental, Social and Governance) Report 2023 地址：南京市建邺区江东中路 381 号 电话：025-88866792 / 传真：025-88866660 邮编：210019 / 网址：www.zjrcbank.com 编制说明 COMPILATION DESCRIPTION 随着资本市场和投资者的日渐成熟，财务报表 所能提供的信息已无法满足社会各界对了解上 市公司经营管理能力、研判上市公司投资价值 的需要，越来越多的投资者正逐渐将关注重点 转向公司的未来发展方向。ESG 报告（环境、 社会、公司治理报告）作为国际上日趋流行的 热点报告，能够在相当程度上体现上市公司的 管理优势和长远前景，保障投资者更充分的知 情权和决定权，并能促进上市公司更透明运作、 更高效发展，更能够呼应国家碳中和号召与监 管要求金融支持绿色低碳发展专项政策。 有鉴于此，公司从 2020 年正式启动 ESG ...