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 ...