未转股可转债情况：截至 2023 年 9 月 30 日，尚未转股的可转债金额为 2,921,018,000 元，占可转债发行总额的 97.37%。 一、可转债发行上市概况 经中国证券监督管理委员会证监许可[2017]2381号文核准，无锡农村商业银 行股份有限公司（以下简称"本行"）于2018年1月30日公开发行了3,000万张可 转换公司债券，每张面值100元，发行总额300,000万元。经上海证券交易所自律 监管决定书[2018]32号文同意，本行30亿元可转换公司债券于2018年3月14日起 在上海证券交易所挂牌交易，债券简称"无锡转债"，债券代码"110043"。 根据本行《公开发行 A 股可转换公司债券募集说明书》（以下简称《募集说 明书》）的约定，"无锡转债"自 2018 年 8 月 6 日起可转换为本行股份，目前转 股价为 5.43 元/股。 | 证券代码：600908 | 证券简称：无锡银行 公告编号：2023-045 | | --- | --- | | 转债代码：110043 | 转债简称：无锡转债 | 无锡农村商业银行股份有限公司 可转债转股结果暨股份变动公告 本公司董事会及全体董事保证本 ...

Financial Performance - The net profit attributable to shareholders for the first half of 2023 increased, contributing to the rise in undistributed profits[1]. - Operating income for the first half of 2023 reached CNY 2,400,460 thousand, a 2.77% increase compared to the same period last year[54]. - Net profit attributable to shareholders was CNY 1,230,876 thousand, reflecting a 20.68% year-on-year growth[54]. - Net cash flow from operating activities surged by 187.28% to CNY 3,349,154 thousand compared to the previous year[54]. - Total assets increased by 7.41% to CNY 227,273,303 thousand as of June 30, 2023[54]. - The non-performing loan ratio improved to 0.77%, down from 0.81% at the end of 2022[59]. - The weighted average return on equity was 13.38%, a decrease of 0.08 percentage points compared to the same period last year[54]. - Total deposits grew by 8.53% to CNY 187,410,014 thousand compared to the end of 2022[54]. - The bank's total liabilities increased by 7.48% to CNY 206,447,754 thousand as of June 30, 2023[54]. - The average return on total assets improved to 0.56%, an increase of 0.06 percentage points year-on-year[59]. Risk Management - The company actively manages credit risk by maintaining sufficient risk provisions and controlling non-performing loan growth[8]. - The company emphasizes liquidity risk management by ensuring adequate liquidity and monitoring liquidity gaps[10]. - The company continues to strengthen concentration risk management to mitigate impacts on ongoing operations[12]. - The company reported no foreseeable significant risks, managing credit, market, liquidity, and operational risks effectively[25]. Capital and Equity - The capital adequacy ratio stood at 14.71%, slightly down by 0.04 percentage points from the end of 2022[56]. - The company did not distribute profits or increase capital reserves during the reporting period[18]. - The total equity at the end of the period was CNY 20,825,549,000, reflecting an increase of CNY 1,329,441,000 during the reporting period[116]. - The total equity attributable to the parent company's owners was 19,520,109, reflecting the company's strong financial position[149]. - The company recorded a significant increase in retained earnings of 1,206,876 during the period[149]. Customer and Market Engagement - The number of effective mobile banking users increased by 122,600, reaching a total of 1.22 million by the end of June 2023[76]. - The company expanded its credit card base by adding 19,000 new effective cards in the first half of 2023[76]. - Retail loans and loans to private enterprises grew by 11.95% and 11.05% respectively compared to the beginning of the year[75]. - Future outlook includes continued market expansion and potential new product offerings to enhance customer engagement and financial performance[91]. Operational Efficiency - Operating expenses decreased by 17.26% to CNY 1,018,950 from CNY 1,231,495 year-on-year[80]. - The company has implemented a cost reduction and efficiency improvement mechanism to enhance operational efficiency and risk control capabilities[79]. - The company is focusing on optimizing its organizational structure and improving customer service quality through various initiatives[79]. Subsidiaries and Investments - Jiangsu Tongshan Xizhou Village Bank, with a registered capital of CNY 100 million, reported total assets of CNY 938.97 million and a net profit of CNY 7.81 million for the first half of 2023[2]. - Taizhou Jiangyan Xizhou Village Bank, with a registered capital of CNY 150 million, reported total assets of CNY 883.41 million and a net profit of CNY 4.67 million for the first half of 2023[5]. - Jiangsu Huai'an Rural Commercial Bank, in which the company holds a 16.25% stake, reported total assets of CNY 62.754 billion and a net profit of CNY 266.5 million for the first half of 2023[5]. - Jiangsu Donghai Rural Commercial Bank, with a registered capital of CNY 402 million, reported total assets of CNY 24.623 billion and a net profit of CNY 185 million for the first half of 2023[5]. - Xuzhou Rural Commercial Bank, in which the company holds a 10.95% stake, reported total assets of CNY 96.534 billion and a net profit of CNY 152 million for the first half of 2023[6]. Financial Reporting and Compliance - The company’s financial report is unaudited, ensuring the accuracy and completeness of the financial statements[42]. - The company’s stock is listed on the Shanghai Stock Exchange under the ticker 600908, with no changes to the stock name prior to this report[44]. - The company completed a non-public issuance of A-shares, adding 289,435,599 shares to its total share count[135]. - The company will recognize goodwill when the acquisition cost exceeds the fair value of identifiable net assets acquired in non-common control mergers[185].

无锡农村商业银行股份有限公司 关于持股5%以上股东部分股份解除质押的公告 证券代码：600908 证券简称：无锡银行 公告编号：2023-044 截至2023年8月25日，股东无锡市兴达尼龙有限公司（以下简称"兴达尼龙"） 持有无锡农村商业银行股份有限公司（以下简称"本行"或"公司"）股份数量 为11098.4508万股，占本行总股本比例为5.16%。兴达尼龙本次解除质押1600万股， 本次股份质押解除后兴达尼龙持有本行的股份已无质押。 本行于2023年8月25日接到兴达尼龙函告，获悉其所持有本行的部分股份解除 质押，具体事项如下。 | 股东名称 | 无锡市兴达尼龙有限公司 | | --- | --- | | 本次解质（解冻）股份 | 1600万股 | | 占其所持股份比例 | 14.42% | | 占公司总股本比例 | 0.74% | | 解质（解冻）时间 | 2023年8月25日 | | 持股数量 | 11098.4508万股 | | 持股比例 | 5.16% | | 剩余被质押（被冻结）股份数量 | 0万股 | | 剩余被质押（被冻结）股份数量占其所持股份比例 | 0% | | 剩余被质押（被冻结）股份 ...

证券代码：600908 证券简称：无锡银行 公告编号：2023-040 无锡农村商业银行股份有限公司 第六届董事会第十次会议决议公告 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。 无锡农村商业银行股份有限公司（以下简称"本行"或"公司"）第六 届董事会第十次会议于2023年8月25日下午在无锡农村商业银行（无锡市金融 二街9号）1208会议室召开，会议通知已于2023年8月14日向全体董事发出。 本次会议由董事长邵辉主持，会议应到15人，实到14人,部分监事及高级管理 人员列席。独立董事孙健因事请假，书面授权委托独立董事张磊行使表决权。 本次会议的召集、召开程序符合《中华人民共和国公司法》及《无锡农村商 业银行股份有限公司章程》的规定。本次会议审议并表决通过了： 1.关于2023年半年度报告及摘要的议案； 赞成15票；反对0票；弃权0票。 请详见本公司同日于上海证券交易所网站（www.sse.com.cn）发布的相 关内容。 2.关于2023年上半年度合规案防报告的议案； 赞成15票；反对0票；弃权0票。 5.关于收购泰州姜 ...

无锡农村商业银行股份有限公司关于召开 2023 年半 年度业绩说明会的公告 证券代码：600908 证券简称：无锡银行 公告编号：2023-042 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： 会议召开时间：2023 年 9 月 19 日(星期二)下午 16:00-17:00 会 议 召 开 地 点 ： 上 海 证 券 交 易 所 上 证 路 演 中 心 （ 网 址 ： http://roadshow.sseinfo.com/） 会议召开方式：上证路演中心网络互动 投资者可于 2023 年 9 月 12 日(星期二)至 9 月 18 日(星期一)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 （contact@wrcb.com.cn）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。 无锡农村商业银行股份有限公司（以下简称"公司"）已于 2023 年 8 月 29 日发布公司 2023 年半年度报告，为便于广大投资者 ...

证券代码：600908 证券简称：无锡银行 公告编号：2023-043 会议审议并表决通过了如下议案： 一、关于无锡农村商业银行股份有限公司2023年半年度报告及摘要审核意 见的议案 表决结果：赞成9票；反对0票；弃权0票。 监事会认为： 1.公司2023年半年度报告及摘要的编制和审核程序符合法律、法规、公司章 程和公司内部管理制度的规定； 2.报告及摘要的内容和格式符合中国证监会和上海证券交易所的有关规定， 报告及摘要的内容真实、准确、完整地反映了本公司报告期内的经营管理和财务 状况等事项，不存在任何虚假记载、误导性陈述或重大遗漏； 3.在出具意见前，未发现参与2023年半年度报告及摘要编制的人员存在违反 保密规定、损害公司利益的行为。 二、关于无锡农村商业银行股份有限公司2022年度关联交易专项审计报告 的议案 无锡农村商业银行股份有限公司 第六届监事会第十次会议决议公告 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。 无锡农村商业银行股份有限公司（以下简称"公司"）于2023年8月14日以 电子邮件形式向全体监事发出关于 ...

本次交易前本行持有姜堰村镇银行51%的股份，为进一步加强对姜堰村 镇银行的控制，提升决策管理效率，增强市场竞争力，本行拟收购姜堰村镇 银行部分股东所持有的1350万股股份，占该行总股本的9%。 2023年8月25日，本行第六届董事会第十次会议审议通过《关于收购泰州 姜堰锡州村镇银行股份有限公司部分股东股份的议案》。本次交易尚未与姜堰 村镇银行任何股东签订股权转让协议，交易尚需经监管机构审核批准，存在 一定的不确定性。 二、姜堰村镇银行的基本情况 姜堰村镇银行是由本行发起设立的股份制法人银行，本行作为姜堰村镇 证券代码：600908 证券简称：无锡银行 公告编号：2023-041 无锡农村商业银行股份有限公司关于收购泰州姜堰 锡州村镇银行股份有限公司部分股东股份的提示性 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。 重要内容提示： 无锡农村商业银行股份有限公司（以下简称"本行"）拟收购泰州姜堰锡 州村镇银行股份有限公司（以下简称"姜堰村镇银行"或"该行"）部分股东所持有 的1350万股股份。本行尚未与姜堰村镇银行任何股东 ...

Financial Performance - Operating revenue for Q1 2023 reached RMB 1,241,972,000, an increase of 3.65% compared to the same period last year[8]. - Net profit attributable to shareholders was RMB 547,415,000, reflecting a growth of 23.18% year-on-year[8]. - Basic earnings per share were RMB 0.25, up by 4.17% from the previous year[8]. - Net profit for Q1 2023 was CNY 550,929 thousand, a rise of 23.2% from CNY 446,979 thousand in Q1 2022[28]. - Total operating revenue for Q1 2023 reached CNY 1,241,972 thousand, an increase of 3.6% compared to CNY 1,198,281 thousand in Q1 2022[28]. - Total operating revenue for Q1 2023 was $1,228,143 million, an increase of 3.7% compared to $1,183,468 million in Q1 2022[45]. - The company reported a total comprehensive income of $541,804 million for Q1 2023, compared to $438,777 million in Q1 2022, an increase of 23.5%[48]. Cash Flow and Investments - Net cash flow from operating activities surged to RMB 9,631,965,000, marking a significant increase of 244.41%[8]. - Cash flow from operating activities increased significantly to $9,607,526 million, compared to $2,833,503 million in Q1 2022[52]. - The net cash flow from investment activities was -4,938,569 in Q1 2023, a decline from 219,510 in Q1 2022, indicating a negative shift in investment cash flow[34]. - The net cash flow from investing activities was negative at -$4,938,568 million, compared to a positive cash flow of $219,537 million in Q1 2022[52]. - Total cash inflow from investment activities reached 78,463,463 in Q1 2023, compared to 35,971,698 in Q1 2022, marking an increase of about 118%[34]. Assets and Liabilities - Total assets at the end of Q1 2023 amounted to RMB 226,516,839,000, representing a 7.05% increase from the end of the previous year[10]. - The total assets as of March 31, 2023, amounted to 225,316,769, an increase from 210,405,962 at the end of 2022, representing a growth of approximately 7.1%[40]. - The total liabilities increased to CNY 206,447,752 thousand, up from CNY 192,083,292 thousand at the end of 2022, reflecting a growth of 7.5%[23]. - The total liabilities increased to 205,408,279 as of March 31, 2023, compared to 191,039,277 at the end of 2022, indicating a rise of about 7.5%[41]. - Total assets increased to CNY 226,516,839 thousand as of March 31, 2023, up from CNY 211,603,401 thousand at the end of 2022, representing a growth of 7.0%[22][23]. Equity and Capital Ratios - The total equity attributable to shareholders increased to RMB 19,927,920,000, a rise of 2.81% compared to the end of the previous year[10]. - The company's total equity rose to CNY 20,069,087 thousand, compared to CNY 19,520,109 thousand at the end of 2022, marking an increase of 2.8%[23]. - The company’s total equity as of March 31, 2023, was 19,908,490, up from 19,366,685 at the end of 2022, indicating an increase of about 2.8%[41]. - The core Tier 1 capital adequacy ratio improved to 11.09% as of March 31, 2023, from 10.97% as of December 31, 2022[65]. - The total capital adequacy ratio was 14.25% as of March 31, 2023, slightly down from 14.75% as of December 31, 2022[65]. Asset Quality and Performance Metrics - The weighted average return on equity decreased to 12.40%, down by 0.28 percentage points year-on-year[8]. - The company reported a decrease in credit impairment losses to CNY 302,233 thousand, down from CNY 410,552 thousand year-over-year, indicating improved asset quality[28]. - The non-performing loan ratio decreased to 0.78% as of March 31, 2023, down from 0.81% as of December 31, 2022[65]. - The average return on total assets rose to 1.01% as of March 31, 2023, compared to 0.97% as of December 31, 2022[65]. - The cost-to-income ratio improved to 25.47% as of March 31, 2023, from 30.98% as of December 31, 2022[65]. Strategic Focus - The company plans to continue focusing on market expansion and enhancing its product offerings to drive future growth[24].

证券代码：600908 证券简称：无锡银行 公告编号：2023-028 无锡农村商业银行股份有限公司关于召开 2022 年度 暨 2023 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个别及连带责任。 重要内容提示： 会议召开时间：2023 年 5 月 10 日(星期三)下午 16:00-17:00 会 议 召 开 地 点 ： 上海证券 交 易 所 上 证 路 演 中 心 （ 网 址 ： http://roadshow.sseinfo.com/） （一）会议召开时间：2023 年 5 月 10 日下午 16:00-17:00 会议召开方式：上证路演中心网络互动 投资者可于 2023 年 4 月 28 日(星期五)至 5 月 9 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 （contact@wrcb.com.cn）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。 无锡农村商业银行股份有限公司（以下简 ...

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]