Core Viewpoint - Jiangsu Zijin Rural Commercial Bank reported steady growth in key financial metrics for the first half of 2025, with a focus on supporting rural and small enterprises while maintaining a robust risk management framework [2][3]. Financial Performance - Total operating income for the first half of 2025 reached CNY 2,392.67 million, a slight increase of 0.49% compared to CNY 2,381.01 million in the same period of 2024 [2]. - Total profit amounted to CNY 1,064.76 million, reflecting a 1.83% increase from CNY 1,045.58 million year-on-year [2]. - Net profit attributable to shareholders was CNY 912.48 million, a marginal increase of 0.12% from CNY 911.41 million in the previous year [2]. - The bank's total assets grew to CNY 272.09 billion, up 0.79% from CNY 269.94 billion at the end of the previous year [2]. - The non-performing loan ratio stood at 1.24%, with a provision coverage ratio of 200.48% [3]. Business Operations - The bank's loan balance for agricultural and small enterprises reached CNY 1,283.80 billion, accounting for 66.9% of total loans [3]. - The bank has focused on enhancing its service to the real economy, particularly in rural and small business sectors, aligning with national policies [3][4]. - The bank has implemented a strategic transformation, upgrading its microfinance department and signing strategic cooperation agreements with local governments [4][5]. Risk Management - The bank has established a comprehensive risk management system, focusing on credit, market, liquidity, and operational risks [9]. - The management has emphasized compliance culture and risk awareness among staff, enhancing the overall risk control framework [4][9]. Market Positioning - The bank maintains a strong commitment to serving rural areas and small enterprises, positioning itself as a key player in local economic development [8]. - The bank's governance structure is designed to integrate party leadership with corporate governance, ensuring effective oversight and management [8].

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 第一节 重要提示 未来发展规划，投资者应当到 www.sse.com.cn 网站仔细阅读半年度报告全文。 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。 权董事会在符合监管要求和利润分配的条件下制定具体的中期分红方案，相关方案确定后 另行公告。 前十名股东持股情况（不含通过转融通出借股份） | 第二节 | 公司基本情况 | | | | | | --- | --- | --- | --- | --- | --- | | | 公司股票简况 | | | | | | 股票种类 股票上市交易所 | | 股票简称 | 股票代码 | | 变更前股票简 | | 称 | | | | | | | 普通股A股 上海证券交易所 | | 紫金银行 | 601860 | - | | | 联系人和联系方式 | | 董事会秘书 | | 证券事务代表 | | | 姓名 许国玉 | | | 张毅 | | | | 联系地址 | 南京市建邺区江东中路 | 381 号 | 南京市建邺区江东中路 | 381 号 | | | 电话 | 025-88 ...

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]

截至报告期末，该行净息差为1.18%，较去年下降年末24个基点。 资产质量方面，紫金农商行不良率1.24%，拨备覆盖率200.48%。 北京商报讯（记者 孟凡霞 实习记者 周义力）8月28日晚间，紫金农商行披露2025年上半年业绩报告， 截至报告期末，该行实现营业收入23.93亿元，同比增长0.49%；实现归母净利润9.12亿元，同比增长 0.12%。 2025年上半年，紫金农商行资产总额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%。 ...

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%。 ...