江苏紫金农村商业银行股份有限公司 内部控制审计报告 信会师报字|2025]第 ZH10133 号 您可使用手机"扫一扫"或进入"注册会计师行业统一监管平台（http://acc.mof.gov.cn）"进行查验 报告编码:沪256DF 立信会计师事务所(特殊普通合伙) DO CHINA SHU LUN PAN CERTIFIED PUBLIC ACCOUNTANTS LLP 内部控制审计报告 信会师报字[2025]第 ZH10133 号 江苏紫金农村商业银行股份有限公司全体股东。 按照《企业内部控制审计指引》及中国注册会计师执业准则的相 关要求,我们审计了江苏紫金农村商业银行股份有限公司(以下简称 紫金银行)2024年12月31日的财务报告内部控制的有效性。 一、企业对内部控制的责任 按照《企业内部控制基本规范》、《企业内部控制应用指引》、《企 业内部控制评价指引》的规定,建立健全和有效实施内部控制,并评 价其有效性是紫金银行董事会的责任。 二、 注册会计师的责任 我们的责任是在实施审计工作的基础上,对财务报告内部控制的 有效性发表审计意见,并对注意到的非财务报告内部控制的重大缺陷 进行披露。 三、内部控制的 ...

本人周芬,1981年2月出生,博士研究生学历,高级经济 师。曾任中国电科第五十五所运行管理部副主管,弘业期货股份 有限公司证券部总经理,嘉合基金有限公司研究部总监助理,复 旦大学经济学院从事博士后研究工作,江苏长江商业银行股份有 限公司董事,亚普汽车部件股份有限公司独立董事,安记食品股 份有限公司独立董事,现任南京财经大学会计学院副教授,上海 电气风电集团股份有限公司独立董事,南通农村商业银行股份有 限公司外部监事,本公司独立董事,本公司董事会审计委员会委 员。 - 1 - (二)关于独立性的说明 江苏紫金农村商业银行股份有限公司 2024 年度独立董事述职报告 独立董事周芬沐职报告 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,2024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 2024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 2024年 ...

2024 年度独立董事沐职报告 独立董事刘志友述职报告 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,2024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2024年度履行 独立董事职责情况报告如下: 一、基本情况 江苏紫金农村商业银行股份有限公司 2024年度,公司召开董事会会议 11次,召开股东会会议 2 次,本人均亲自出席,没有委托或缺席情况。 (二)关于独立性的说明 - 1 - 2. 出席董事会专门委员会、独立董事专门会议情况 2024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 独立性的情况。 二、年度履职概况 (一)出席会议情况 本人积极参加股东大会、董事会及其专门委员会会议,认真 审议各项议案,参与董事会决策并对所议事项发表明确意见。 1. 出席董事会及股东大会情况 (一)工作履历、专业背景情况 本人刘志友 ...

江苏紫金农村商业银行股份有限公司 2024 年度独立董事沐职报告 独立董事岑赫沐职报告 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,2024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 2024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 本人岑赫,1968年8月出生,硕士研究生学历,注册会计 师,高级经济师。曾任国营北京市农场管理局所属公司会计、财 务科长,通海建设有限公司财务总监,北京三元食品股份有限公 司财务总监,北京汽车制造厂有限公司财务顾问。现任北京振兴 联合会计师事务所主任会计师,广西册联商贸有限公司执行董 事,三盟科技股份有限公司独立董事,梅州客商银行股份有限公 司外部监事,本公司独立董事,本公司董事会审计委员会主任委 员、薪酬与提名委员会委员。 (二)关于独立性的说明 - 1 - 2024年,本人对独立性情况进行了自查,经自查, ...

江苏紫金农村商业银行股份有限公司 2024 年度独立董事述职报告 独立董事张龙耀述职报告 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,2024年,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2024年度履行独 立董事职责情况报告如下: 一、某本情况 (一)工作履历、专业背景情况 本人张龙耀,1985年1月出生,博士研究生学历。曾任南 京农业大学金融学院副教授、金融系副主任、副院长、教授,江 苏沭阳农村商业银行独立董事。现任南京农业大学金融学院院 长、江苏兴化农村商业银行独立董事,2024年5月起任本公司 独立董事。 (二)关于独立性的说明 2024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 -1 - 独立性的情况。 二、年度履职概况 (一)出席会议情况 本人积极参加股东大会、董事会及其专门委员会会议,认真 审议各项议案,参与 ...

Financial Performance - As of the end of 2024, the total assets of the company reached CNY 269.944 billion, an increase of 9.00% compared to the beginning of the year[10]. - The total deposits amounted to CNY 209.965 billion, with a growth rate of 6.70%, while the total loans reached CNY 188.852 billion, increasing by 6.56%[14]. - The net profit for the year was CNY 1.624 billion, reflecting a growth of 0.30%[10]. - Operating revenue for 2024 reached 4,462,943 thousand RMB, a slight increase of 0.98% compared to 2023[36]. - Net profit for 2024 was 1,623,524 thousand RMB, reflecting a growth of 0.30% year-over-year[36]. - Cash flow from operating activities decreased significantly by 44.36% to 3,250,612 thousand RMB compared to the previous year[36]. - The company reported a decrease in the cost-to-income ratio to 35.97%, down by 2.34 percentage points from the previous year[42]. - The company’s basic earnings per share remained stable at 0.44 RMB, unchanged from the previous year[36]. - The liquidity ratio stood at 94.00%, significantly above the standard value of ≥25%[47]. - The net interest margin decreased to 1.42%, down by 0.17 percentage points compared to 2023[42]. - The company’s total equity increased to CNY 19.94 billion, up from CNY 18.47 billion year-on-year[107]. Loan and Deposit Activities - The balance of agricultural and small micro loans reached CNY 122.1 billion, accounting for 64.6% of the total loan portfolio, an increase of 3 percentage points from the beginning of the year[11]. - The balance of inclusive small micro-enterprise loans was CNY 34.85 billion, up CNY 2.27 billion, with a growth rate of 6.96%[58]. - The company provided loans totaling CNY 38.1 billion to 377,000 rural households through its "Jinling Huinong Small Loan" product, covering 463 villages[71]. - The company launched a series of micro-loan products, including "Tongshang e-loan" and "Huinong Quick Loan," specifically designed for small and micro enterprises and agricultural entities[69]. - The total amount of loans issued under the "Ningchuang Loan" product reached CNY 410 million, while the "Settlement Easy Loan" achieved a credit amount of CNY 142 million[70]. - The company conducted visits to 520,000 individual businesses, granting credit of CNY 30.738 billion, and visited 48,000 technology-based enterprises, granting credit of CNY 49.356 billion[70]. - The balance of green loans exceeded CNY 14 billion, with an increase of CNY 2.06 billion, representing a growth rate of 16.81%[16]. - The company issued CNY 1.16 billion in digital RMB loans, promoting its application in inclusive finance and green finance[62]. - The total deposits reached CNY 209.97 billion, an increase of CNY 13.19 billion, accounting for 83.98% of total liabilities[67]. Risk Management and Compliance - The non-performing loan ratio stood at 1.24%, with a provision coverage ratio of 201.44%[10]. - The company has identified credit risk, liquidity risk, market risk, operational risk, information technology risk, and reputation risk as potential challenges[138]. - The company’s provisions for credit impairment totaled 815,572 thousand RMB in 2024, compared to 667,340 thousand RMB in 2023, reflecting increased caution in credit risk management[97]. - The migration rate for normal loans was 2.91%, while the migration rate for attention loans was 25.33%, indicating a rise in the risk profile of the loan portfolio[116]. - The overdue loans exceeding 90 days amounted to 2,680,474 thousand RMB, representing an increase from 2,293,629 thousand RMB as of December 31, 2023, with a ratio of 1.42%[119]. Strategic Initiatives and Community Engagement - The company aims to enhance its digital transformation and improve user experience through the upgrade of various financial platforms[17]. - The company conducted over 2,200 community service activities, benefiting 76,000 residents throughout the year[16]. - The company has established a "green branch" in Jiangbei New District, furthering its commitment to environmental sustainability[31]. - The company has implemented a "green finance" initiative, becoming the first rural commercial bank in the country to publish an ESG report[31]. - The company plans to donate 1.5 million yuan for poverty alleviation and charity projects in 2024, including 300,000 yuan for logistics project construction in Lishui District[146]. - The company has actively participated in community service initiatives, including providing free services to elderly residents in local neighborhoods[147]. Governance and Shareholder Relations - The governance structure has been strengthened with 2 shareholder meetings, 11 board meetings, and 26 committee meetings held during the reporting period, reviewing a total of 338 proposals[152]. - The company has revised several governance documents to improve decision-making processes and clarify responsibilities among governance bodies[153]. - The board will evaluate the implementation of the shareholder dividend return plan at least once every three years, considering the opinions of independent directors and public investors[159]. - The company has committed to maintaining a stable profit distribution policy, ensuring that cash dividends in the first three years post-IPO are no less than 30% of the average distributable profit[159]. - The company has a commitment from major shareholders to not reduce their holdings significantly within the specified lock-up periods[165]. Environmental and Social Responsibility - The company has been awarded the "2024 ESG Excellent Bank" by Huaxia Times, reflecting its commitment to sustainable development and responsible banking practices[34]. - The company has established a green finance center to enhance the management and development of green finance business[61]. - The company emphasizes a strategic focus on low-carbon, environmentally friendly, and energy-saving projects to align with national carbon neutrality goals[142]. - The company has launched the "Zijin·Su Carbon Financing" green financial product to support green enterprises with low-interest, medium to long-term loans[143]. - The company has implemented differentiated post-loan management for green finance, focusing on environmental and social risk classifications for clients[144].

Financial Performance - Operating revenue for Q1 2025 was CNY 1,140,681, a decrease of 4.82% compared to CNY 1,198,420 in the same period last year[4] - Net profit attributable to shareholders was CNY 421,768, representing a 4.04% increase from CNY 405,376 year-on-year[4] - Net interest income decreased to CNY 829,029 thousand from CNY 975,947 thousand, a decline of approximately 15.03% year-over-year[28] - Total operating income for Q1 2025 was CNY 1,140,681 thousand, compared to CNY 1,198,420 thousand in Q1 2024, indicating a decrease of about 4.83%[28] - Basic earnings per share remained stable at CNY 0.11 for both Q1 2025 and Q1 2024[29] Cash Flow and Investments - Net cash flow from operating activities decreased by 15.65% to CNY 10,570,576 from CNY 12,531,197 in the previous year[4] - Cash flow from operating activities for Q1 2025 was CNY 10,570,576 thousand, down from CNY 12,531,197 thousand in Q1 2024, a decrease of about 15.6%[33] - Investment activities resulted in a net cash outflow of CNY 15,057,715 thousand in Q1 2025, compared to a net outflow of CNY 2,913,312 thousand in Q1 2024[33] - Investment income increased by 49.96% due to higher bond disposal gains[8] Assets and Liabilities - Total assets at the end of the reporting period reached CNY 280,253,743, an increase of 3.82% from CNY 269,944,211 at the end of the previous year[5] - Total assets increased to RMB 280,253,743 thousand as of March 31, 2025, up from RMB 269,944,211 thousand at the end of 2024, representing a growth of approximately 1.43%[14] - Total liabilities rose to RMB 260,256,504 thousand, compared to RMB 250,008,051 thousand at the end of 2024, indicating an increase of about 4.91%[14] - The total liabilities increased to CNY 260,256,504 thousand from CNY 250,008,051 thousand, reflecting a growth of approximately 4.9% year-over-year[25] - The total equity increased to CNY 19,997,239 thousand from CNY 19,936,160 thousand, a growth of about 0.31%[25] Shareholder Information - The number of ordinary shareholders at the end of the reporting period was 64,725[10] - The top shareholder, Nanjing Zijin Investment Group Co., Ltd., held 328,129,524 shares, representing 8.96% of total shares[11] Ratios and Efficiency - The weighted average return on equity was 2.11%, down by 0.06 percentage points from 2.17% in the same period last year[5] - The liquidity ratio decreased to 73.59% in Q1 2025 from 94.00% in 2024, indicating a significant drop in liquidity[16] - The capital adequacy ratio decreased to 12.69% as of March 31, 2025, down from 13.00% at the end of 2024[17] - The net stable funding ratio was reported at 134.30% as of March 31, 2025, slightly down from 135.06% at the end of 2024[21] - The cost-to-income ratio improved to 31.08% in Q1 2025 from 35.97% in 2024, indicating better operational efficiency[18] - The core tier one capital adequacy ratio was 10.50% as of March 31, 2025, unchanged from the end of 2024[17] Loan and Deposit Information - The total loans amounted to RMB 191,166,049 thousand, an increase from RMB 188,851,782 thousand at the end of 2024, showing a growth of approximately 1.39%[22] - Customer deposits and interbank deposits increased by CNY 19,023,434 thousand in Q1 2025, compared to CNY 14,376,432 thousand in Q1 2024, marking a growth of approximately 32.5%[32] - The total deposits reached RMB 221,096,032 thousand, up from RMB 209,964,537 thousand, reflecting a growth of approximately 5.37%[14] Non-Performing Loans - The non-performing loan ratio remained stable at 1.24% for both Q1 2025 and the full year 2024[16]

附件2 江苏紫金农村商业银行股份有限公司部分关联方介绍 | 关联方 | 关联法人名称 | | | | 基本信息 | | | | 主要财务数据（万元） | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | | | 企业类型 | 法定代 表人 | 注册资本 | 注册地址 | 经营范围 | 总资产 | 净资产 | 营业收入 | 净利润 备注 | | | 苏银金融租赁股份有限公司 | 股份有限公司 | 姜洪飞 | 600000 | 江苏省南京市洪武 北路55号置地广场 21、22、28楼 | 融资租赁业务；转让和受让融资租赁资产；固定收益 类证券投资业务；接受承租人的租赁保证金；吸收非 银行股东3个月(含)以上定期存款；同业拆借；向金融 机构借款；租赁物变卖及处理业务；经济咨询；中国 | 11805319 | 1569349 | 673502 | 251981 2024年12月末数据 | | | | | | | | 银行业监督管理机构批准的其他业务。(依法须经批准 | | | | | | | | | | | | 的项目，经相 ...

重要内容提示： 证券代码：601860 证券简称：紫金银行 公告编号：2025-016 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 关于召开 2024 年度暨 2025 年第一季度业绩说明会的公告 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法律责任。 二、 说明会召开的时间、地点 （一） 会议召开时间：2025 年 05 月 09 日 （星期五） 09:30-11:00 （二） 会议召开地点：上证路演中心 https://roadshow.sseinfo.com/） 会议召开方式：自行视频录制+中小投资者网络文字互动 投资者可于 2025 年 04 月 29 日 （星期二） 至 05 月 08 日 （星期四）16:00 前登录上证路演中心网站首页点击"提问预征集"栏目或通过公司邮箱 boardoffice@zjrcbank.com 进行提问。公司将在说明会上对投资者普遍关注的 问题进行回答。 江苏紫金农村商业银行股份有限公司（以下简称"公司"）已于 2025 年 4 月 25 日披露公司 202 ...