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 ...

证券代码： 601860 证券简称： 紫金银行 公告编号：2025-017 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 估值提升计划暨"提质增效重回报"行动方案 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。 一、估值提升计划的触发情形及审议程序 1 （一）触发情形 2024 年 1 月 1 日至 2024 年 12 月 31 日，公司股票连续 12 个月每个交易日的 收盘价均低于最近一个会计年度经审计的每股归属于普通股股东的净资产，即 2024 年 1 月 1 日至 2024 年 4 月 25 日每个交易日股票收盘价均低于 2022 年年度 经审计每股净资产 4.67 元；2024 年 4 月 26 日至 2024 年 12 月 31 日每个交易日 股票收盘价均低于 2023 年年度经审计每股净资产 5.05 元。 重要内容提示: 估值提升计划的触发情形及审议程序：自2024年1月1日至2024年12 月31日， 本行股票已连续12个月每个交易日收盘价均低于最近一个会计年度经审计的 ...

关于独立董事独立性评估的专项意见 江苏紫金农村商业银行股份有限公司董事会 根据《上市公司独立董事管理办法》》《上市公司自律监管指引第 1 号— 规 范运作》等监管规定，江苏紫金农村商业银行股份有限公司(以下简称"本行") 第四届董事会独立董事刘志友、周芬、程乃胜、岑赫、张龙耀对照相关监管规定 中关于独立董事应具备的独立性要求进行了逐项自查，并向本行董事会提交了独 立性自查情况表。经自查，本行全体独立董事均确认其已满足相关监管规定中对 于出任独立董事应具备的独立性要求。 2025 年 4 月 23 日 江苏紫金农村商业银行股份有限公司董事会 经核查全体独立董事的任职经历及其提交的相关自查文件，本行董事会未发 现可能影响独立董事进行独立客观判断的情形。 ...

目 录 1、 专项审计报告 关于江苏紫金农村商业银行股份有限公司 非经营性资金占用及其他关联资金往来情况 汇总表的专项审计报告 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（bttp://ac.mof.sov.cn）进行 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（bttp://acc.mof.eor.cn）"进行 立信会计师事务所(特殊普通合伙) O CHINA SHU LUN PAN CERTIFIED PUBLIC ACCOUNTANTS LI 关于江苏紫金农村商业银行股份有限公司 非经营性资金占用及其他关联资金往来情况 的专项报告 信会师报字[2025]第 ZH10135 号 2、 附表 委托单位：江苏紫金农村商业银行股份有限公司 审计单位：立信会计师事务所（特殊普通合伙） 联系电话：021-63391166 关于江苏紫金农村商业银行股份有限公 司非经营性资金占用及其他关联资金往 来情况的专项报告 信会师报字[2025]第 ZH10135 号 江苏紫金农村商业银行股份有限公司全体股东: 编制汇总表并确保其真实、准确、完整是紫金银行管理层的责任。 我们将汇总表所载信息与我们审计 ...

根据《中华人民共和国公司法》《中华人民共和国证券法》 《上市公司治理准则》《上海证券交易所上市公司自律监管指引 第 1 号——规范运作》及公司《章程》《董事会审计委员会工作 细则》等相关规定，董事会审计委员会本着勤勉尽职的原则，认 真履职，对公司聘请的立信会计师事务所（特殊普通合伙）（以 下简称"立信"）2024 年度履行职责的监督情况汇报如下： 一、聘用的会计师事务所基本情况 江苏紫金农村商业银行股份有限公司董事会 审计委员会对会计师事务所 2024 年度 履行职责的监督情况报告 立信会计师事务所（特殊普通合伙），由我国会计泰斗潘序 伦博士于 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，首席合伙人为朱建弟先生。立信是国际会计网络 BDO 的成员 所，长期从事证券服务业务，新证券法实施前具有证券、期货业 务许可证，具有 H 股审计资格，并已向美国公众公司会计监督委 员会（PCAOB）注册登记。 截至 2024 年末，立信拥有合伙人 296 名、注册会计师 2,498 名、从业人员总数 10,021 名，签署过证券服务业务审计报告 ...

证券代码： 601860 证券简称： 紫金银行 公告编号：2025-011 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2025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 公司于 2025 年 04 月 23 日召开第四届董事会第二十五次会议， 审议并通过了关于 2025 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 6 票；反对 0 票；弃权 0 票。关联董 事孙隽、申林、薛炳海、侯军、周芬回避表决。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： 公司于 2025 年 04 月 22 日召开第四届董事会第十三次独立董 - 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"）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 2025 年度 ...

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 2024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2024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 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 部控制评价报告是公司董事会的责任。监事会对董事会建立和实施内部控制进行监督。经理层负责组织 领导企业内部控制的日常运行。公司董事会、监事会及董事、监事、高级管理人员保证本报告内容不存 在任何虚假记载、误导性陈述或重大遗漏，并对报告内容的真实性、准确性和完整性承担个别及连带法 律责任。 公司内部控制的目标是合理保证经营管理合法合规、资产安全、财务报告及相关信息真实完整，提 高经营效率和效果，促进实现发展战略。由于内部控制存在的固有局限性，故仅能为实现上述目标提供 合理保证。此外，由于 ...