Financial Performance - Operating income for Q3 2024 was CNY 1,079,729, a decrease of 9.05% compared to the same period last year[2]. - Net profit attributable to shareholders was CNY 439,732, down 7.96% year-on-year[2]. - Basic earnings per share for the period was CNY 0.12, a decrease of 7.69% compared to the previous year[3]. - Net profit for the first three quarters of 2024 reached CNY 1,351,143 thousand, slightly up from CNY 1,348,940 thousand in the same period of 2023[22]. - Total operating income for the first three quarters of 2024 was CNY 3,460,735 thousand, an increase from CNY 3,390,050 thousand in 2023, reflecting a growth of about 2.1%[21]. - Interest income decreased to CNY 6,668,422 thousand from CNY 6,880,824 thousand, a decline of approximately 3.1% year-over-year[21]. - The bank's net interest income for the first three quarters was CNY 2,879,728 thousand, down from CNY 2,990,206 thousand, a decrease of approximately 3.7%[21]. - Investment income increased to CNY 404,404 thousand from CNY 264,995 thousand, showing a significant growth of about 52.5% year-over-year[22]. - The bank's fee and commission income rose to CNY 250,771 thousand, compared to CNY 190,816 thousand, reflecting an increase of about 31.4%[21]. - The bank's credit impairment losses increased to CNY 708,198 thousand from CNY 535,091 thousand, representing a rise of approximately 32.3% year-over-year[22]. Assets and Liabilities - Total assets at the end of the reporting period reached CNY 270,962,071, an increase of 9.41% from the end of the previous year[3]. - Total assets increased to CNY 270,962,071 thousand as of September 30, 2024, up from CNY 247,664,435 thousand at the end of 2023, representing a growth of 9.3%[10]. - Total liabilities rose to CNY 251,357,258 thousand, compared to CNY 229,192,516 thousand at the end of 2023, marking an increase of 9.7%[10]. - The bank's total liabilities rose to CNY 251,357,258 thousand, compared to CNY 229,192,516 thousand, marking an increase of about 9.7%[20]. - Total deposits reached CNY 211,975,212 thousand, up from CNY 196,773,962 thousand, reflecting a growth of 7.3%[10]. - Total loans amounted to CNY 187,691,859 thousand, an increase from CNY 177,221,782 thousand, representing a growth of 5.8%[11]. - The bank's total equity reached CNY 19,604,813 thousand, up from CNY 18,471,919 thousand, indicating an increase of approximately 6.1%[20]. Shareholder Information - The number of ordinary shareholders at the end of the reporting period was 65,402[7]. - The largest shareholder, Nanjing Zijin Investment Group, holds 8.96% of the shares[7]. Cash Flow - Cash flow from operating activities for the year-to-date was CNY 8,669,385, an increase of 46.06%[3]. - Net cash flow from operating activities for the first three quarters of 2024 reached RMB 8,669,385, an increase of 46.2% compared to RMB 5,935,516 in the same period of 2023[24]. - Total cash inflow from investment activities was RMB 89,280,629, significantly up from RMB 41,941,216 in the previous year, marking a growth of 112.5%[26]. - The net cash flow from investment activities improved to RMB 3,223,940, recovering from a loss of RMB 8,456,595 in the same period last year[26]. - Cash inflow from financing activities totaled RMB 15,301,876, compared to RMB 6,985,200 in the previous year, reflecting a growth of 119.5%[26]. - The net cash flow from financing activities was RMB 3,036,364, a turnaround from a negative cash flow of RMB -674,539 in the same period of 2023[26]. - The total cash and cash equivalents at the end of the period increased to RMB 24,302,542, up from RMB 8,218,420 at the end of the same period last year[26]. - The net increase in customer deposits and interbank deposits was RMB 14,272,218, down from RMB 20,858,321 in the previous year[24]. - Cash received from interest, fees, and commissions was RMB 7,442,105, slightly up from RMB 7,301,268 in the same period of 2023[24]. - Cash paid for interest, fees, and commissions increased to RMB 3,370,332 from RMB 3,029,999 in the previous year[24]. - Cash flow from operating activities totaled RMB 25,823,275, a decrease from RMB 26,900,501 in the same period last year[24]. Capital and Liquidity Ratios - The weighted average return on equity decreased by 0.39 percentage points to 2.27%[3]. - Core Tier 1 capital adequacy ratio improved to 10.46% from 10.28% at the end of 2023, demonstrating enhanced capital strength[12]. - The liquidity coverage ratio was reported at 168.14%, indicating strong liquidity position[16]. - The net stable funding ratio was 133.28% in Q3 2024, reflecting a solid funding structure[17]. - The cost-to-income ratio improved to 32.19%, indicating better operational efficiency[13]. - The non-performing loan ratio stood at 1.30% as of Q3 2024, indicating a stable credit quality[13]. Financial Asset Management - The company reported a significant increase in financial assets, with a 257.41% rise in buyback financial assets[5].

证券代码： 601860 证券简称： 紫金银行 公告编号：2024-046 可转债代码：113037 可转债简称：紫银转债 第四届监事会第十六次会议决议公告 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 "本行"）第四届监事会 第十六次会议于 2024 年 10 月 29 日在本行总部以现场方式召开。会议通知及会 议文件已于 2024 年 10 月 18 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，实际出席监事 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、关于 2024 年三季度报告审核意见的议案 监事会认为,本行 2024 年三季度报告的编制和审议程序符合《公司法》等法 律、法规以及本行《章程》和内部控制制度的有关规定；2024 年三季度报告的 内容和格式符合监管相关规定，所包含的信息真实反映出本行 2024 年三季度的 经营管理和财务状况等事项；在出具本意见前 ...

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： https://roadshow.sseinfo.com/） 会议召开方式：上证路演中心网络互动 投资者可于 2024 年 10 月 30 日(星期三) 至 11 月 05 日(星期二)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"）将于 2024 年 10 月 29 日披露公司 2024 年第三季度报告，为便于广大投资者更全面深入地了解公 司经营成果、财务状况，公司计划于 2024 年 11 月 06 日上午 09:00-10:00 举行 2024 年第三季度业绩说明会，就投资者关心的问题进行交流。 一、 说明会类型 证券代码： 601860 证券简称： 紫金银行 公告编号：2024-044 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 ...

一、紫银转债发行上市概况 根据中国证券监督管理委员会《关于核准江苏紫金农村商业银行股份有限公 司公开发行可转换公司债券的批复》（证监许可[2020]1068 号），江苏紫金农村商 业银行股份有限公司（以下简称"紫金银行"或者"公司"）于 2020 年 7 月 23 日向社会公开发行面值总额 45 亿元的可转换公司债券（以下简称"可转债"、"紫 银转债"），每张面值 100 元，按面值发行，期限 6 年。经上海证券交易所自律监 管决定书[2020]254 号文同意，公司 45 亿元可转换公司债券于 2020 年 8 月 17 日 起在上海证券交易所挂牌交易，债券简称"紫银转债"，债券代码"113037"。 根据《上海证券交易所股票上市规则》等有关法规的规定以及《江苏紫金农 村商业银行股份有限公司公开发行 A 股可转换公司债券募集说明书》的约定， 转股情况：截至 2024 年 09 月 30 日，累计共有 411,000 元"紫银转债" 已经转换成公司股票，累计转股数为 92,681 股，占可转债转股前公司已 发行股份总数的 0.0025%。 未转股可转债情况：截至 2024 年 09 月 30 日，尚未转股的可 ...

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 投资者关系活动记录 | --- | --- | --- | |---------------------|-------------------------------------------------------------------------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------| | 投资者关系活动 类型 | □特定对象调研 \n□媒体采访 \n□新闻发布会 □现场参观 \n□其他（股东大会股东问答） | □分析师会议 \n☑业绩说明会 \n□路演活动 | | | | | | 时间 | 2024年9 月5日 | | | 地点 ...

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。 近日，江苏紫金农村商业银行股份有限公司（以下简称"本公司"）收到国 家金融监督管理总局江苏监管局下发的《国家金融监督管理总局江苏监管局关于 张龙耀任职资格的批复》（苏金复〔2024〕292号），核准张龙耀先生本公司独 立董事任职资格。 证券代码： 601860 证券简称： 紫金银行 公告编号：2024-042 可转债代码：113037 可转债简称：紫银转债 张龙耀先生的简历信息详见上海证券交易所网站（www.sse.com.cn）。 江苏紫金农村商业银行股份有限公司 特此公告。 关于独立董事任职资格获监管机构核准的公告 江苏紫金农村商业银行股份有限公司董事会 2024 年 9 月 3 日 1 ...

| 证券代码： | 601860 | 证券简称： | 紫金银行 | 公告编号：2024-041 | | --- | --- | --- | --- | --- | | 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联交易公告 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。 华泰证券（上海）资产管理有限公司成立于 2014 年 10 月 16 日，公司类型 为有限责任公司（非自然人投资或控股的法人独资），法定代表人崔春，注册资 本 260000 万元人民币，注册地址为上海市浦东新区东方路 18 号保利广场 E 座 21 楼。经营范围：证券资产管理业务，公开募集证券投资基金管理业务。（依 法须经批准的项目，经相关部门批准后方可开展经营活动） 江苏紫金农村商业银行股份有限公司（以下简称"公司"）同意对华泰 证券（上海）资产管理有限公司新增 100 万元授信类、100 万元服务类 关联交易额度。 本次交易不构成重大资产重组。 本次交易无需提交股东大会审议。 本次交易为公司日 ...

证券代码： 601860 证券简称： 紫金银行 公告编号：2024-040 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 第四届监事会第十五次会议决议公告 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 "本行"）第四届监事会 第十五次会议于 2024 年 8 月 27 日在本行总部以现场方式召开。会议通知及会议 文件已于 2024 年 8 月 16 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，实际出席监事 8 人，监事闫海峰因事请假，书面授权 委托监事严华麟行使表决权。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、关于 2024 年半年度报告及摘要审核意见的议案 二、关于 2024 年上半年董事会合规职责履行评价报告 表决结果：赞成 9 票；反对 0 票；弃权 0 票。 三、关于 2024 年上半年高级管理层合规职责履行评价报告 表决结果 ...

证券代码： 601860 证券简称： 紫金银行 公告编号：2024-039 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 本议案已经董事会薪酬与提名委员会审议通过。 二、关于 2024 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。 第四届董事会第二十二次会议决议公告 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 二十二次会议于 2024 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 2024 年 8 月 16 日以电子邮件方式发出。本次会议应出席董事 11 名， 实际出席董事11名,其中有表决权董事9名。部分监事及高级管理人员列席会议。 本次会议由邵辉先生主持，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、关于聘任本行副行长的议案 聘任徐伟先生（简历详见附件 ...

Financial Performance - Operating income for the first half of 2024 reached CNY 2,381,006 thousand, an increase of 8.08% compared to CNY 2,202,934 thousand in the same period of 2023[14]. - Net profit attributable to shareholders was CNY 911,411 thousand, reflecting a growth of 4.62% from CNY 871,189 thousand year-on-year[14]. - Net profit after deducting non-recurring gains and losses was CNY 903,322 thousand, up 5.86% from CNY 853,348 thousand in the previous year[14]. - The net cash flow from operating activities increased by 24.08% to CNY 13,677,388 thousand, compared to CNY 11,023,144 thousand in the first half of 2023[14]. - Basic earnings per share for the first half of 2024 were CNY 0.24, up 4.17% from CNY 0.23 in the same period of 2023[15]. - Operating expenses increased to CNY 1,332 million, reflecting a rise of 10.59% compared to CNY 1,204 million last year[32]. - Net profit for the first half of 2024 was RMB 911,411 thousand, representing a growth of 4.6% compared to RMB 871,189 thousand in the same period last year[125]. Asset and Liability Management - Total assets at the end of the reporting period were CNY 269,304,373 thousand, an increase of 8.74% from CNY 247,664,435 thousand at the end of the previous year[14]. - Total liabilities amounted to CNY 250.14 billion, reflecting a growth of 9.14% from CNY 229.19 billion last year[34]. - The loan balance reached CNY 185.705 billion, an increase of CNY 8.483 billion, representing a growth rate of 4.79% compared to the beginning of the year[24]. - Total deposits reached CNY 215,168,251 thousand as of June 30, 2024, compared to CNY 196,773,962 thousand at the end of 2023, marking an increase of about 9.3%[91]. - The total balance of debt investments decreased from CNY 12,939,262 thousand at the end of the previous year to CNY 12,061,487 thousand, a decline of approximately 6.77%[38]. Risk Management - The company reported no foreseeable major risks, effectively managing credit, market, liquidity, and operational risks[4]. - The company emphasizes a risk management framework, integrating compliance culture and leveraging financial technology for effective risk control[20]. - The company faces various risks including credit risk, liquidity risk, market risk, operational risk, information technology risk, and reputation risk[45][46]. - The company has established a comprehensive market risk management framework, with clear responsibilities and effective strategies[116]. - The management of operational risk follows a principle of internal control priority, with a structured management system in place[117]. Digital Transformation and Innovation - The company is committed to digital transformation, enhancing data governance and application capabilities to support its strategic goals[20]. - The company has launched several innovative financial products for small and micro enterprises, including "Xiao Wei Loan," "Su Nong Loan," and "Micro Enterprise E Loan," aimed at expanding the coverage of inclusive finance[57]. - The bank has implemented a digital RMB strategy, focusing on increasing the coverage of digital RMB accounts and promoting its use in credit lending[122]. - The company is enhancing its digital financial services, including the launch of features for batch transfers and digital RMB payment scenarios[28]. Community Engagement and Social Responsibility - The company has actively engaged in poverty alleviation efforts, donating 1.5 million yuan to the Nanjing Charity Federation to support rural revitalization[54]. - The company completed a total of 911 community service activities, serving 31,600 people in the first half of the year[26]. - The company has visited 11,000 technology-based enterprises and 63,000 individual businesses to enhance customer engagement[28]. - The company is committed to integrating ESG principles into its operations, focusing on environmental protection and social responsibility[55]. Shareholder Information - The total number of common stock shareholders as of the end of the reporting period is 67,461[70]. - The largest shareholder, Nanjing Zijin Investment Group, holds 328,129,524 shares, representing 8.96% of the total shares[70]. - The company has no significant litigation or arbitration matters during the reporting period, with 112 pending credit-related lawsuits involving an amount of CNY 128 million, which is not expected to have a significant impact on the financial status or operating results[62]. - The company has no plans for profit distribution or capital reserve transfer for the current period[52]. Financial Products and Services - The company aims to establish a comprehensive financial service ecosystem, focusing on community banking, wealth management, and transaction banking[23]. - The company launched a series of marketing activities, including the "Purple Gold Privilege" series, to enhance customer engagement and service offerings[29]. - The bank's wealth management business has a balance of 5.328 billion, an increase of 730 million from the beginning of the year[109]. - The bank's average interest rate for corporate loans is 4.02%, while retail loans have an average interest rate of 4.94%[107]. Financial Reporting and Compliance - The bank's financial statements comply with the accounting standards set by the Ministry of Finance and reflect its financial position as of June 30, 2024[133]. - The company uses a three-stage impairment model to estimate expected credit losses for financial assets measured at amortized cost and those measured at fair value with changes recognized in other comprehensive income[153]. - The company recognizes impairment losses or gains in profit or loss for financial assets measured at fair value with changes recognized in other comprehensive income, without reducing the carrying amount on the balance sheet[153]. - The company evaluates contracts to determine if they contain leases, separating lease and non-lease components for accounting purposes[196].