未分配利润的增加系本行 1-6 月归属于上市公司股东的净利润。 (九) 投资状况分析 1、 对外股权投资总体分析 √适用 □不适用 2009 年 7 月，本行在徐州市铜山区发起设立了江苏铜山锡州村镇银行股份有限公司，持股比 例为 51%；2011 年 12 月，本行在泰州姜堰市发起设立了泰州姜堰锡州村镇银行股份有限公司，持 股比例为 51%。此外，本行还参股了江苏淮安农村商业银行股份有限公司、江苏东海农村商业银 行股份有限公司、徐州农村商业银行股份有限公司及江苏省农村信用社联合社。 (1).重大的股权投资 □适用 √不适用 (2).重大的非股权投资 □适用 √不适用 (3).以公允价值计量的金融资产 □适用 √不适用 证券投资情况 □适用 √不适用 证券投资情况的说明 □适用 √不适用 私募基金投资情况 □适用 √不适用 衍生品投资情况 □适用 √不适用 (十) 重大资产和股权出售 □适用 √不适用 (十一) 主要控股参股公司分析 √适用 □不适用 1．江苏铜山锡州村镇银行股份有限公司 本行在徐州市铜山区发起设立了江苏铜山锡州村镇银行股份有限公司。目前，注册资本为 1 亿元，本行持股比例为 51%。截至 20 ...

2023 年第一季度报告 单位：千元 币种：人民币 证券代码：600908 证券简称：无锡银行 2023 年第一季度报告 重要内容提示 公司负责人邵辉、行长陶畅、主管会计工作负责人何建军及会计机构负责人（会计主管人员）尤 赟保证季度报告中财务信息的真实、准确、完整。 □是 √否 (一)主要会计数据和财务指标 1 / 19 注：加权平均净资产收益率为年化后数据。 无锡农村商业银行股份有限公司 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。 公司董事会、监事会及董事、监事、高级管理人员保证季度报告内容的真实、准确、完整，不存 在虚假记载、误导性陈述或重大遗漏，并承担个别和连带的法律责任。 第一季度财务报表是否经审计 一、 主要财务数据 | --- | --- | --- | |-----------------------------------------------|-----------|---------------------------------------| | 项目 | 本报告期 | 本报告期比上年同期增减 \n ...

Financial Performance - Net profit attributable to ordinary shareholders of the company is 2,001,129 thousand RMB[1] - Net profit attributable to shareholders of the company was 2.001 billion RMB, a year-on-year increase of 26.65%[11] - Revenue for the year reached 1,198,281 million, with a net profit attributable to shareholders of 444,387 million[195] - Operating revenue for the year was 4.48 billion RMB, a year-on-year increase of 3.01%[11] - Revenue increased by 3.01% to 4,480,307 thousand RMB in 2022 compared to 2021[64] - Net profit attributable to parent company shareholders rose by 26.65% to 2,001,129 thousand RMB in 2022[64] - Non-interest net income grew by 17.41% to 992,326 thousand RMB in 2022[64] - Credit impairment losses decreased by 36.41% to 817,461 thousand RMB in 2022[64] - Total investment income increased to 632,608 thousand RMB in 2022 from 558,970 thousand RMB in 2021[67] - Current income tax expense rose to 404,328 thousand RMB in 2022 from 382,426 thousand RMB in 2021[69] - The company's net fee and commission income increased to 2.27 billion yuan in 2022, up from 1.83 billion yuan in 2021[30] - The company's non-interest net income for 2022 included 35.98 million yuan in taxes and surcharges, slightly up from 35.93 million yuan in 2021[39] Dividend and Profit Distribution - Cash dividend amount (including tax) is 430,223 thousand RMB, accounting for 21.50% of the net profit attributable to ordinary shareholders of the company[1] - Cash dividend distribution: 2.00 RMB per 10 shares, totaling 430,222,947.00 RMB based on 2,151,114,735 shares as of December 31, 2022[170] - Minimum cash dividend ratio for mature stage companies without major capital expenditures: 80%[168] - Minimum cash dividend ratio for growth stage companies with major capital expenditures: 20%[184] - The company plans to allocate at least 40% of profits for cash dividends during the mature stage with significant capital expenditure arrangements[141] - The company commits to distributing at least 10% of the distributable profits in cash if dividends are allocated[149] - Profit distribution policy requires approval by two-thirds of the board of directors and shareholders[160] - Independent directors and external supervisors play a key role in overseeing profit distribution policies and proposals[167] Loans and Deposits - Total deposits at the end of the year reached 172.684 billion RMB, an increase of 15.9 billion RMB from the beginning of the year, a growth rate of 10.14%[11] - Total loans at the end of the year reached 128.609 billion RMB, an increase of 10.799 billion RMB from the beginning of the year, a growth rate of 9.17%[11] - The company's total loans reached 128.61 billion yuan in 2022, with secured loans accounting for 44.88% of the total[35] - Personal housing loans accounted for 60.27% of the company's total personal loans, reaching 16.13 billion yuan in 2022[36] - Total loans and advances increased by 9.17% from 117,810,314 thousand yuan in 2021 to 128,609,194 thousand yuan in 2022[56] - Manufacturing sector loans increased by 15.45% to 24,462,139 thousand yuan in 2022, accounting for 19.02% of total loans[56] - Personal loans increased by 6.55% to 26,769,455 thousand yuan in 2022, accounting for 20.81% of total loans[56] Risk Management and Compliance - Non-performing loan ratio was 0.81%, a decrease of 0.12 percentage points from the beginning of the year[11] - The company adheres to a prudent and steady compliance management philosophy, with a gradual decline in overdue interest loan ratio and low levels of non-performing loan ratio, attention loan ratio, and non-performing loan generation rate[6] - The company actively manages credit risk, maintains sufficient risk provisions, and controls the growth of non-performing loans[74] - The company has implemented strict controls on concentration risk, ensuring that exposure to single clients or groups does not significantly impact its operations[91] - The company has strengthened its operational risk management framework to prevent major operational risk events and improve internal controls[90] - The company has optimized its credit structure across industries and regions to manage concentration risk effectively[91] - The company will strengthen credit risk management, ensuring high quality of new loans and reducing risks in existing loans, while strictly adhering to accounting standards and regulatory requirements for loan loss provisions[112] Corporate Governance and Board Activities - The company has established a comprehensive corporate governance structure, including a board of directors and a board of supervisors, to ensure effective decision-making and supervision[94] - The company has established various committees under the board of directors and senior management to oversee strategic, risk, and financial management[94] - The company has enhanced its information transparency and governance mechanisms to align with advanced joint-stock commercial banks[94] - The company has implemented a robust system of checks and balances between decision-making, execution, and supervision mechanisms to ensure sustainable development[94] - The company held its 2021 Annual General Meeting on May 20, 2022, where key resolutions included the approval of the 2021 Board of Directors Work Report, Supervisory Committee Work Report, and the 2021 Annual Report[97] - The 2022 First Extraordinary General Meeting was held on November 15, 2022, with a key resolution to extend the validity period of the non-public issuance of A-shares[98] - The company's 2022 Annual Report was published, detailing the current and former directors, supervisors, and senior management's shareholding changes and remuneration[100] - The 2022 Annual Report also included information on the current and former directors, supervisors, and senior management's positions during the reporting period[103] - The company held 5 board meetings in 2022, including 4 on-site meetings and 1 via teleconference[135] - The company revised its Articles of Association, Rules of Procedure for Shareholders' Meetings, and Rules of Procedure for Board Meetings[120] - The company revised its related party transaction management measures, independent director work system, and information disclosure management system[120] - The company revised its anti-money laundering and terrorist financing risk management measures, and liquidity risk management measures[120] - The company reported on the use of previous funds raised and proposed a non-public issuance of A-shares[120] - The company appointed Chen Ren as Vice President in July 2022[120] - The company reviewed and approved the 2022 semi-annual report and compliance case prevention report[120] - The company reviewed and approved the 2022 third-quarter report and extended the validity period for the non-public issuance of A-shares[120] - The company revised the management measures for directors, supervisors, and senior management's shareholding and changes[120] - The company revised the working rules for the Board's specialized committees, including the Audit Committee, Strategic Development Committee, and Nomination and Remuneration Committee[120] - The company's board of directors held 5 meetings in 2022, with all directors attending either in person or via teleconference[188] - The company's strategic development committee held 2 meetings in 2022, focusing on enhancing strategic management and planning for the next three years[189] - The risk and related transaction control committee held 3 meetings in 2022, emphasizing the importance of financial technology and liquidity risk management[189] Capital and Funding - Successfully raised 2 billion RMB through non-public issuance of A-shares, providing effective capital support for future sustainable development[11] - The company aims to optimize shareholder structure and accelerate business transformation through a non-public stock issuance[189] - Capital reserve increased by 166.32% to 2,735,945 thousand yuan in 2022 due to non-public stock issuance[53] - Share capital increased to 2,151,115 thousand RMB in 2022 from 1,861,676 thousand RMB in 2021[70] Investments and Subsidiaries - The company holds a 51% stake in Jiangsu Tongshan Xizhou Rural Bank, which reported total assets of 810.44 million yuan and net profit of 13.15 million yuan in 2022[32] - The company holds significant stakes in rural commercial banks in Jiangsu, including 16.25% in Jiangsu Huai'an Rural Commercial Bank and 19.35% in Jiangsu Donghai Rural Commercial Bank[27] - Xuzhou Rural Commercial Bank, in which the company holds a 10.95% stake, reported a net profit of 258 million RMB in 2022[73] - Total assets of Jiangsu Donghai Rural Commercial Bank reached 22.464 billion yuan, with net assets of 1.804 billion yuan by the end of 2022[88] - Jiangsu Donghai Rural Commercial Bank achieved a net interest income of 603 million yuan and a net profit of 278 million yuan in 2022[88] - The company holds a 19.35% stake in Jiangsu Donghai Rural Commercial Bank, which has a registered capital of 379 million yuan[88] Cash Flow and Financial Position - Operating cash flow decreased significantly from 7,221,939 thousand yuan in 2021 to 1,681,089 thousand yuan in 2022, a decrease of 76.72%[45] - Investment cash flow turned positive from -3,825,876 thousand yuan in 2021 to 1,400,199 thousand yuan in 2022[45] - Financing cash flow decreased from -1,059,215 thousand yuan in 2021 to -3,762,847 thousand yuan in 2022, a decrease of 255.34%[45] - Investment property decreased by 47.17% from 2021 to 2,603 thousand yuan in 2022 due to conversion to fixed assets[53] - Construction in progress increased by 50.18% to 36,006 thousand yuan in 2022 due to increased investment[53] - Borrowings from central bank decreased by 32.64% to 6,470,467 thousand yuan in 2022 due to adjustments in asset-liability allocation[53] - Total equity of minority shareholders increased to 137,653 thousand RMB in 2022 from 128,999 thousand RMB in 2021[71] - Total long-term deferred expenses and other expenses amounted to 1.39 billion yuan in 2022, up from 1.25 billion yuan in 2021[31] Human Resources and Compensation - Total number of employees in the parent company and major subsidiaries is 1,708, with 1,662 in the parent company and 46 in major subsidiaries[139] - Number of technical personnel is 150, financial personnel is 11, administrative personnel is 76, management personnel is 182, and business personnel is 1,289[139] - Education level breakdown: 248 employees with postgraduate degrees or above, 1,222 with bachelor's degrees, 188 with associate degrees, and 50 with education below associate degree level[139] - Total compensation for all directors, supervisors, and senior management at the end of the reporting period was RMB 219.158 million[111] - The company's board of directors has a nomination and remuneration committee responsible for setting and reviewing the remuneration policies and schemes for directors and senior management[111] - Performance-based compensation system implemented across all departments and branches, with customized performance contracts[157] - Comprehensive employee training system established, with plans to enhance internal trainer system in 2023[158] - Total labor outsourcing hours: 696,783 hours[159] - Total compensation paid for labor outsourcing: 44.0715 million RMB[159] Awards and Recognition - The company was awarded the "2022 Wuxi City Local Tax Contribution Top 100 Enterprises" by the Wuxi Municipal Government[196] - The company ranked 64th in the "Jiangsu Service Industry Enterprise Top 100" by the Jiangsu Enterprise Confederation[196] - The company received the "2022 Wuxi Banking Financial Institutions Inclusive Financial Services Advanced Unit" award from the China Banking and Insurance Regulatory Commission Wuxi Supervision Bureau[197] Environmental and Social Responsibility - The company implemented a "green credit" policy, with environmental risk management as a key factor in credit approval, and established a "one-vote veto" system for environmental compliance[17] - The company has deepened its green credit policy, guiding credit resources towards green finance, resulting in improved quality of green finance work[112] - Total external donations and public welfare projects: 1.6791 million RMB, including 1.266 million RMB in funds and 413,100 RMB in material equivalents[165] Information Disclosure and Investor Relations - The company released 4 periodic announcements and 44 temporary announcements in 2022, enhancing the standardization and efficiency of information disclosure[16] - The company organized over 30 batches of investor meetings, involving nearly 500 investors, to communicate its development strategy and management[16] - The company's financial technology application level and data governance capabilities have been comprehensively improved[189] Strategic Development and Future Plans - The company plans to enhance capital management, reduce capital consumption, and improve capital efficiency by linking performance evaluation and product pricing with capital[112] - The company aims to increase credit supply to the real economy, ensuring rapid growth in customer numbers, accurate credit supply, and convenient demand对接[112] - The company will innovate audit methods by leveraging financial digital technology and strengthen employee training to enhance audit culture[112] - The company plans to conduct research on audit projects for the next year, identify key audit projects, and strengthen audit work[112] - The company has elected new directors and supervisors at its 2023 first extraordinary general meeting[119] - The company has reviewed and approved various reports and plans, including the 2021 annual audit report, financial budget for 2022, and profit distribution plan for 2021[119] Board and Supervisory Committee Meetings - The company held its sixth board of supervisors' fourth meeting on April 28, 2022, discussing various reports including the 2021 annual report, financial budget, and risk preference statement[155] - The sixth board of supervisors' fifth meeting on August 26, 2022, reviewed the 2022 semi-annual report and special audit reports on related transactions and bad loan write-offs[156] - The sixth board of supervisors' sixth meeting on October 27, 2022, reviewed the 2022 third-quarter report and extended the validity period of the resolution and authorization for the non-public issuance of A shares[156] - The sixth board of supervisors' seventh meeting on December 20, 2022, reviewed the special audit report on 2021 salary and performance management[156] Directors and Senior Management - Director Ru Huajie holds multiple executive positions across various investment and management companies, including General Manager and Director roles[104] - Director Zhou Weiping serves as a Non-Executive Director at Guolian Securities Co., Ltd and holds director roles in energy and real estate companies[104] - Director Sun Zhiqiang holds executive roles in multiple companies, including General Manager positions in petrochemical and technology firms[104] - Director Yin Xinzhong serves as Chairman of Wuxi Xingda Nylon Co., Ltd and Wuxi Shenwei Chemical Co., Ltd[108] - Director Sun Zhiqiang is the Chairman of Wuxi Wanxin Machinery Co., Ltd[108] - Director Wan Niya serves as a Director at Wuxi Construction Development Investment Co., Ltd[108] - Director Shao Leping is the head of Wuxi Lianyou Forging Factory[108] - Director Wu Ping holds roles as Financial Director and Supervisor at Wuxi Huishan Technology Innovation Industry Group Co., Ltd[108] - Director Lu Xianglin serves as Executive Director at Wuxi Hengyu Asset Management Co., Ltd[108] - The company's board members have extensive experience in finance, investment, and management, with roles spanning multiple industries and regions[104][108] - The company's board of directors appointed Mr. Chen Ren as the new vice president during the sixth session of the fifth board meeting[111] - Mr. Wang Feng was appointed as the new board secretary during the sixth session of the fourth board meeting[111] - Mr. Chen Hui, the former vice president, left his position due to work-related reasons[111] - Ms. Ye Minmin, the former chief information officer, left her position due to work-related reasons[111] - Mr. Zhao Hanmin, a supervisor, left his position due to personal reasons[111] - Mr. Bao Ming, a supervisor, left his position due to personal reasons[111] Business Scope and Operations - The company's main business scope includes deposit absorption, loan issuance, domestic and international settlement, and government bond trading[197]

证券代码：600908 证券简称：无锡银行 2022 年第三季度报告 无锡农村商业银行股份有限公司 2022 年第三季度报告 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。 重要内容提示 公司董事会、监事会及董事、监事、高级管理人员保证季度报告内容的真实、准确、完整，不存 在虚假记载、误导性陈述或者重大遗漏，并承担个别和连带的法律责任。 公司负责人邵辉、行长陶畅、主管会计工作负责人何建军及会计机构负责人（会计主管人员）尤 赟保证季度报告中财务信息的真实、准确、完整。 第三季度财务报表是否经审计 □是 √否 1 / 14 2022 年第三季度报告 一、 主要财务数据 (一) 主要会计数据和财务指标 | --- | --- | --- | --- | --- | |------------------------------------------------|----------------------------------|--------------------------------------|------------ ...

2022 年半年度报告 公司代码：600908 公司简称：无锡银行 无锡农村商业银行股份有限公司 2022 年半年度报告 1 / 177 2022 年半年度报告 重要提示 一、 本公司董事会、监事会及董事、监事、高级管理人员保证半年度报告内容的真实性、准确性、 完整性，不存在虚假记载、误导性陈述或重大遗漏，并承担个别和连带的法律责任。 二、 未出席董事情况 | --- | --- | --- | --- | |----------------|----------------|----------------------|--------------| | | | | | | 未出席董事职务 | 未出席董事姓名 | 未出席董事的原因说明 | 被委托人姓名 | | 董事 | 周卫平 | 因事请假 | 邵乐平 | | 董事 | 万妮娅 | 因事请假 | 邵乐平 | 三、 本半年度报告未经审计。 四、 公司负责人邵辉、行长陶畅、主管会计工作负责人胥焱冰及会计机构负责人（会计主管人员） 尤赟声明：保证半年度报告中财务报告的真实、准确、完整。 五、 董事会决议通过的本报告期利润分配预案或公积金转增股本预案 无。 六、 ...

2021 年年度报告 公司代码：600908 公司简称：无锡银行 无锡农村商业银行股份有限公司 2021 年年度报告 1 / 230 2021 年年度报告 重要提示 一、 本公司董事会、监事会及董事、监事、高级管理人员保证年度报告内容的真实、准确、完整， 不存在虚假记载、误导性陈述或重大遗漏，并承担个别和连带的法律责任。 二、 公司全体董事出席董事会会议。 三、 信永中和会计师事务所（特殊普通合伙）为本公司出具了标准无保留意见的审计报告。 四、 公司负责人邵辉、行长陶畅、主管会计工作负责人胥焱冰及会计机构负责人（会计主管人员） 尤赟声明：保证年度报告中财务报告的真实、准确、完整。 五、 董事会决议通过的本报告期利润分配预案或公积金转增股本预案 由于"无锡转债"已进入转股期，公司将以权益分派股权登记日的总股本为基数，向收市后 登记在册的普通股股东每10股派送现金股利1.8元人民币（含税）。 六、 前瞻性陈述的风险声明 √适用 □不适用 本报告中所涉及的未来计划、发展战略等前瞻性描述不构成公司对投资者的实质承诺，请投 资者注意投资风险。 七、 是否存在被控股股东及其关联方非经营性占用资金情况 否 八、 是否存在违 ...

2022 年第一季度报告 单位：千元 币种：人民币 证券代码：600908 证券简称：无锡银行 无锡农村商业银行股份有限公司 2022 年第一季度报告 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 公司董事会、监事会及董事、监事、高级管理人员保证季度报告内容的真实、准确、完整，不存 在虚假记载、误导性陈述或重大遗漏，并承担个别和连带的法律责任。 公司负责人邵辉、行长陶畅、主管会计工作负责人胥焱冰及会计机构负责人（会计主管人员）尤 赟保证季度报告中财务报表信息的真实、准确、完整。 第一季度财务报表是否经审计 □是 √否 一、 主要财务数据 (一)主要会计数据和财务指标 | --- | --- | --- | |-----------------------------------------------|-----------|-------------------------------------| | 项目 | 本报告期 | 本报告期比上年同期增减 变动幅度 (%) | | 营业收入 | 1,198, ...

2021 年第三季度报告 证券代码：600908 证券简称：无锡银行 | --- | --- | |----------------------------------------------------------------------|-------| | | | | 无锡农村商业银行股份有限公司 | | | 2021 年第三季度报告 | | | 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 公司董事会、监事会及董事、监事、高级管理人员保证季度报告内容的真实、准确、完整，不存 在虚假记载、误导性陈述或者重大遗漏，并承担个别和连带的法律责任。 公司负责人邵辉、行长陶畅、主管会计工作负责人王瑶及会计机构负责人（会计主管人员）王瑶 保证季度报告中财务报表信息的真实、准确、完整。 第三季度财务报表是否经审计 □是 √否 1 / 15 2021 年第三季度报告 一、 主要财务数据 | --- | --- | --- | --- | --- | |---------------------- ...

公司代码：600908 公司简称：无锡银行 2021 年半年度报告 无锡农村商业银行股份有限公司 2021 年半年度报告 1 / 194 2021 年半年度报告 重要提示 一、 本公司董事会、监事会及董事、监事、高级管理人员保证半年度报告内容的真实、准确、完 整，不存在虚假记载、误导性陈述或重大遗漏，并承担个别和连带的法律责任。 二、 公司全体董事出席董事会会议。 三、 本半年度报告未经审计。 四、 公司负责人邵辉、行长陶畅、主管会计工作负责人王瑶及会计机构负责人（会计主管人员） 王瑶声明：保证半年度报告中财务报告的真实、准确、完整。 五、 董事会决议通过的本报告期利润分配预案或公积金转增股本预案 无。 六、 前瞻性陈述的风险声明 √适用 □不适用 公司不存在可预见的重大风险。公司经营中面临的风险主要有信用风险、市场风险、流动性 风险、操作风险等，公司已经采取各种措施，有效管理和控制各类经营风险。 七、 是否存在被控股股东及其关联方非经营性占用资金情况 否 八、 是否存在违反规定决策程序对外提供担保的情况？ 否 九、 是否存在半数以上董事无法保证公司所披露半年度报告的真实性、准确性和完整性 否 十、 重大风险 ...

2021 年第一季度报告 公司代码：600908 公司简称：无锡银行 无锡农村商业银行股份有限公司 2021 年第一季度报告 1/21 2021 年第一季度报告 一、重要提示 . 二、公司基本情况 . 三、重要事项 . 四、附录 . 五、补充财务数据 目录 2/21 2021 年第一季度报告 一、 重要提示 1.1 公司董事会、监事会及董事、监事、高级管理人员保证季度报告内容的真实、准确、完整， 不存在虚假记载、误导性陈述或者重大遗漏，并承担个别和连带的法律责任。 1.2 未出席董事情况 | --- | --- | --- | --- | |----------------|----------------|------------------|--------------| | 未出席董事姓名 | 未出席董事职务 | 未出席原因的说明 | 被委托人姓名 | | 唐劲松 | 董事 | 因事请假 | 周卫平 | | 蔡则祥 | 独立董事 | 因事请假 | 王怀明 | 1.3 公司负责人邵辉、行长陶畅、主管会计工作负责人陈步杨及会计机构负责人（会计主管人 员）王瑶保证季度报告中财务报表的真实、准确、完整。 1.4 ...