10月27日，南京银行正式发布2025年三季度报告。报告显示，今年以来，面对复杂的外部环境和市场变 化，南京银行以新五年规划为指引，主动融入国家和区域发展战略，聚焦实体经济重点方向和关键领 域，扎实做好金融"五篇大文章"，前三季度主要经营指标稳健增长，核心业务板块拓展有力，经营质态 稳中有进，整体展现出韧性十足的高质量发展态势，为全年经营目标的完成打下坚实基础。 经营质效向优向好，稳健发展基础持续夯实 报告期内，南京银行资产总额达2.96万亿元，较上年末增长14.31%；负债总额2.75万亿元，较上年末增 长14.48%；存款规模1.64万亿元，贷款规模1.41万亿元，较上年末分别增长9.65%和12.34%，服务实体 经济根基持续夯实。 在实现规模稳健增长的同时，该行经营质效向优向好。报告期内，实现营业收入419.49亿元，同比增长 8.79%，其中，实现利息净收入252.07亿元，同比增长28.5%；归母净利润180亿元，同比增长8.06%，前 三季度营收与净利同比增幅再次实现超"双8"增长。业绩增长的"正U形曲线"进一步向上延展，展现出良 好的价值创造能力。 绿色金融加快推动布局。发行全国首单符合《多边 ...

Core Viewpoint - Nanjing Bank has demonstrated resilient high-quality development in the first three quarters of 2025, with steady growth in key operational indicators and a solid foundation for achieving annual business goals [1] Group 1: Financial Performance - Total assets reached 2.96 trillion yuan, an increase of 14.31% compared to the end of the previous year [2] - Total liabilities amounted to 2.75 trillion yuan, growing by 14.48% year-on-year [2] - Deposits stood at 1.64 trillion yuan, with a growth of 9.65%, while loans reached 1.41 trillion yuan, increasing by 12.34% [2] - Operating income was 41.949 billion yuan, up 8.79% year-on-year, with net interest income at 25.207 billion yuan, reflecting a 28.5% increase [2] - Net profit attributable to shareholders was 18 billion yuan, marking an 8.06% year-on-year growth [2] Group 2: Risk Management and Asset Quality - Non-performing loan ratio remained stable at 0.83% [3] - Cost-to-income ratio improved to 23.27%, a decrease of 4.81 percentage points from the previous year [3] - Provision coverage ratio was 313.22%, and the core Tier 1 capital adequacy ratio was 9.54%, up 0.18 percentage points from the beginning of the year [3] Group 3: Business Segments - The bank focused on three main business segments: corporate finance, retail finance, and financial markets, enhancing its comprehensive financial service capabilities [4] - Corporate loans reached 1.07 trillion yuan, with a growth rate exceeding 14.6%, and medium to long-term loans in the manufacturing sector increased by 31.56% [4] - Technology finance loans amounted to 174.28 billion yuan, growing by 17.5% year-on-year [5] - Inclusive finance served 200,000 small and micro enterprises, with inclusive loan balances of 156.1 billion yuan, up over 16.1% [6] - Green finance loans increased by 66.77 billion yuan, a growth of over 33% [7] - Retail financial assets reached 968.7 billion yuan, with personal deposits growing by 18.6% to 565.17 billion yuan [8] Group 4: Market Recognition and Shareholder Support - Major shareholders, including Nanjing High-Tech and Zijin Trust, have increased their stakes, reflecting confidence in the bank's stable operations [10][11] - The bank's high-quality development has attracted positive evaluations from various securities firms, with recommendations for strong buy and outperform ratings [12] - The bank plans to distribute cash dividends of 3.062 yuan per 10 shares, totaling 3.7857 billion yuan, which is 30% of the net profit attributable to shareholders [12]

10月27日，南京银行正式发布2025年三季度报告。报告显示，今年以来，面对复杂的外部环境和市场变 化，南京银行以新五年规划为指引，主动融入国家和区域发展战略，聚焦实体经济重点方向和关键领 域，扎实做好金融"五篇大文章"，前三季度主要经营指标稳健增长，核心业务板块拓展有力，经营质态 稳中有进，整体展现出韧性十足的高质量发展态势，为全年经营目标的完成打下坚实基础。 经营过程中，南京银行注重加强精细化管理和风险管控，持续夯实资产质量。报告期内，不良贷款率 0.83%，保持稳定低位；前三季度成本收入比23.27%，较上年末下降4.81个百分点，降本增效成效持续 显现，成本和不良率的"倒U型曲线"巩固延续。三季度末，拨备覆盖率313.22%，核心一级资本充足率 9.54%，较年初增长0.18个百分点，资本实力和风险抵补能力充足，在上市银行中继续保持优良水平。 聚焦三大业务板块，综合金融服务能力稳步提升 今年以来，南京银行聚力发展公司金融、零售金融、金融市场三大业务板块，通过优化组织架构、构建 以客户为中心的服务体系、丰富产品矩阵、加强渠道与生态建设、深化业务协同等一系列举措，加快打 造特色银行业务，突出差异化经营优势 ...

Core Insights - The article emphasizes the unprecedented strategic development opportunities for technology finance, highlighted by the recent policies from multiple government departments aimed at strengthening financial support for major technological tasks and technology-based SMEs [1] Group 1: Opportunities in Technology Finance - The national emphasis on technology finance presents significant growth opportunities for banks, particularly in serving technology enterprises, which are becoming key drivers of economic growth [2] - Banks are encouraged to enhance their cross-financial service capabilities, particularly in areas like cross-border financing and international settlements, to support technology enterprises expanding globally [2] - Collaboration with non-bank financial institutions and other entities is essential for banks to meet the complex financial needs of technology enterprises at various stages of development [3] Group 2: Challenges in Serving Technology Enterprises - Banks face challenges in risk assessment due to the high complexity and instability of technology enterprises' business models, making it difficult to evaluate their repayment capabilities [4] - The mismatch between the long financing cycles of technology enterprises and the short-term nature of traditional bank loans poses a significant challenge [4] - The need for banks to adapt their assessment mechanisms and develop innovative credit products to better serve technology enterprises is critical [5] Group 3: Regional Advantages of Local Banks - Local banks like Nanjing Bank have unique advantages in serving local technology enterprises, including a deeper understanding of the local economic environment and industry characteristics [6] - The flexibility in decision-making processes allows local banks to tailor financial solutions to the specific needs of technology enterprises [6] - Local banks can leverage their established relationships with local governments and industry parks to better support technology enterprises [7] Group 4: Collaboration with Government and Industry Capital - Banks should focus on local industries and utilize innovative models like "investment-loan linkage" to effectively connect with government-guided funds and industry capital [8] - By addressing the funding gaps in key segments of the industrial chain, banks can design specialized financial solutions to support projects in emerging sectors [9] - The integration of banking and investment banking capabilities allows banks to provide comprehensive support to industry capital, promoting long-term partnerships and funding solutions [10]

近日,南京银行与全国高校生物医药区域技术转移转化中心(江苏南京)(简称"生物医药南京分中心")联合 推出科技成果转化场景应用产品"研发管线贷",并用半个月时间完成了某生物医药项目500万元授信审批 及首期贷款投放。 获得此次资金支持的主体,其创始人来自中国药科大学,该团队自主研发的创新药物项目被生物医药南京 分中心评为"高校技术转化典范项目"。目前,公司多个研发管线进展顺利,在产品开发上投入巨大,急需资 金支持。针对该情况,南京银行江北新区分行基于对其在研产品的市场价值、管线进展的分析,以及项目 投产上市可能性的预测,凭借专业的金融服务和高效的审批流程,快速完成了首单"研发管线贷"资金投放, 该笔贷款全部使用信用的方式,为科技成果转化提供助力。 "研发管线贷"落地,标志着南京银行在推动生物医药产业创新发展中迈出了关键一步。展望未来,南京银 行将继续探索创新金融服务模式,为科技成果转化提供全方位、宽领域的金融支持,助力更多科创企业成 为经济社会高质量发展的新动能、新引擎。 "研发管线"是企业正在进行的研发项目的统称。早期生物医药项目由于研发周期长、研发投入高、缺乏 经营收入,难以获得传统银行贷款授信。"研发管线 ...