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 | --- | --- | --- | --- | --- | |---------------------- ...

Financial Performance - The company reported a total revenue of 1,200,000 thousand RMB for the first half of 2021, reflecting a year-on-year increase of 15%[19] - Net profit attributable to shareholders reached 300,000 thousand RMB, up 10% compared to the same period last year[19] - The company's operating revenue for the first half of the year reached 2,188,991 thousand RMB, an increase of 11.48% compared to the same period last year[28] - Net profit attributable to shareholders was 783,005 thousand RMB, reflecting a growth of 15.81% year-over-year[28] - The bank's net profit for the first half of 2021 was CNY 806,512 thousand, an increase of 18.33% from CNY 681,568 thousand in the first half of 2020[82] - The bank's non-interest income increased by 24.46% to CNY 478,157 thousand in the first half of 2021, compared to CNY 384,173 thousand in the same period of 2020[82] Asset and Liability Management - The total assets of the company amounted to 50,000,000 thousand RMB, representing a growth of 8% year-on-year[19] - Total assets increased by 9.71% to 197,491,298 thousand RMB compared to the end of the previous year[28] - The total liabilities rose by 9.68% to CNY 182,008,958 from CNY 165,948,002 in the previous year[62] - The company's equity attributable to shareholders increased to 15,367,682 CNY as of June 30, 2021, from 13,979,139 CNY at the end of 2020, reflecting a growth of approximately 9.9%[198] Loan and Deposit Growth - Customer deposits increased by 12% year-on-year, totaling 40,000,000 thousand RMB[19] - Total deposits reached CNY 156.11 billion, an increase of CNY 14.78 billion or 10.46% compared to the beginning of the year[48] - Total loans amounted to CNY 113.22 billion, with an increase of CNY 13.53 billion or 13.57% year-to-date[48] - As of June 30, 2021, the total loan balance reached CNY 113,217,813 thousand, an increase from CNY 99,693,249 thousand as of December 31, 2020, representing a growth of approximately 13.3%[69] Risk Management - The non-performing loan ratio stood at 1.5%, which is a decrease of 0.2 percentage points from the previous year[19] - The non-performing loan ratio improved to 0.93%, down from 1.10% at the end of the previous year, a decrease of 0.17 percentage points[31] - The bank's credit risk management system has been enhanced, with a loan provision coverage ratio of 437.87%, up by 81.99 percentage points from the beginning of the year[48] - The bank maintains a proactive credit risk management strategy, ensuring adequate risk provisions and controlling non-performing loan growth[108] Strategic Initiatives - The company plans to expand its market presence by opening 10 new branches in the next fiscal year[19] - Investment in technology and new product development is expected to increase by 20% in 2022[19] - The company aims to continue expanding its services to support local economic development and improve financial services[39] - The company is actively promoting green credit services, focusing on sectors such as smart manufacturing, energy conservation, and clean energy[122] Operational Efficiency - The net cash flow from operating activities decreased significantly by 90.21%, amounting to 961,474 thousand RMB[28] - The company has implemented measures to effectively manage credit risk, market risk, and liquidity risk[7] - The company has established a new digital banking department to enhance data governance and management efficiency[53] - The company initiated the construction of video banking and accelerated the transformation of smart outlets to improve operational efficiency[53] Shareholder Information - The company reported a total share count of 1,861,670,716, with 1,736,974,791 shares being freely tradable, representing 93.30% of total shares[160] - The largest shareholder, Guolian Trust Co., Ltd., held 166,330,635 shares, representing 8.93% of total shares[169] - The top ten shareholders collectively held 70.53% of the total shares[169] - The company reported no significant changes in restricted shares that would affect the earnings per share or net asset per share[164]

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 ...

Financial Performance - The company's operating income for 2020 was CNY 3,896,011 thousand, representing a 10.07% increase from CNY 3,539,711 thousand in 2019[26]. - The net profit attributable to shareholders for 2020 was CNY 1,311,612 thousand, an increase of 4.96% compared to CNY 1,249,624 thousand in 2019[26]. - The total assets at the end of 2020 reached CNY 180,018,291 thousand, reflecting an 11.18% increase from CNY 161,912,124 thousand at the end of 2019[26]. - The net cash flow from operating activities for 2020 was CNY 9,486,903 thousand, a significant increase of 136.85% from CNY 4,005,455 thousand in 2019[26]. - The company's total profit for 2020 was CNY 1,495,032 thousand, which is a 2.91% increase from CNY 1,452,821 thousand in 2019[26]. - Basic earnings per share increased by 4.41% to CNY 0.71 in 2020 compared to CNY 0.68 in 2019[27]. - The net profit after deducting non-recurring gains and losses was CNY 1,306,401 thousand, up 4.22% from CNY 1,253,516 thousand in 2019[26]. Assets and Liabilities - Total liabilities rose by 10.50% to CNY 165,948,002 thousand at the end of 2020 from CNY 150,181,876 thousand in 2019[27]. - Total deposits increased by 10.25% to CNY 141,332,321 thousand in 2020 compared to CNY 128,195,730 thousand in 2019[27]. - Total loans grew by 17.38% to CNY 99,693,249 thousand in 2020 from CNY 84,930,666 thousand in 2019[27]. - The company's net assets attributable to shareholders increased by 20.00% to CNY 13,979,139 thousand at the end of 2020, up from CNY 11,649,445 thousand at the end of 2019[26]. Risk Management - The company has reported no foreseeable major risks, with existing risks primarily related to credit, market, liquidity, and operational risks[9]. - The company has taken various measures to effectively manage and control operational risks[9]. - The bank's credit risk management includes maintaining sufficient risk provisions and controlling non-performing loan growth to improve asset quality[137]. Dividends and Shareholder Returns - The company plans to distribute a cash dividend of CNY 1.8 per 10 shares to shareholders[8]. - The company distributed a total cash dividend of 332,694,000 RMB in 2020, which accounted for 25.37% of the net profit attributable to ordinary shareholders in the consolidated financial statements[149]. - The company has a shareholder return plan for 2020-2022 that was approved by the board and the annual shareholders' meeting, aiming to provide stable and reasonable returns to shareholders[148]. - The company has established a cash dividend policy where the minimum cash dividend ratio is 80% for mature stages without significant capital expenditure, 40% for mature stages with significant capital expenditure, and 20% for growth stages with significant capital expenditure[147]. Operational Expansion - The company established a total of 1 direct operating department, 3 branches, 53 sub-branches, and 59 sub-branches by the end of 2020, contributing to its service expansion[38]. - The company expanded its retail customer base, with nearly 5 million citizen cards and over 800,000 mobile banking accounts opened[47]. - The company emphasized technology in operations, implementing online services and big data analytics to improve efficiency and customer experience[47]. Social Responsibility - The company actively engaged in poverty alleviation efforts, providing loans of RMB 2.435 billion to economically weak regions and RMB 119.1 million to village banks by the end of 2020[179]. - The company has established partnerships with economically weak villages, contributing RMB 250,000 annually since 2015 for local infrastructure improvements[179]. - The company has implemented various financial services initiatives to enhance support for rural areas, including the "Sunshine Credit" project[177]. Future Outlook - In 2021, the total assets are expected to grow by approximately 18 billion RMB, with a net profit increase of around 5%[136]. - The bank aims to focus on supporting agriculture, small and micro enterprises, and enhancing service to the real economy as part of its strategic goals[133]. - The bank plans to enhance its digital transformation to improve management, business expansion, and risk control, which will be crucial for competition among regional banks[132]. Compliance and Governance - The company has no significant litigation or arbitration matters as of the end of 2020, with a total of 4 lawsuits involving a subject amount of RMB 117 million[168]. - The company has not faced any penalties or corrective actions from regulatory bodies during the reporting period[170]. - The company has a mechanism in place for independent directors to provide opinions on the cash dividend policy and its execution[147].

Financial Performance - Net profit attributable to shareholders reached CNY 1,001,726 thousand, a 4.38% increase year-on-year[13] - Operating income for the first nine months was CNY 2,870,715 thousand, reflecting an 11.94% growth compared to the same period last year[13] - Basic earnings per share rose to CNY 0.54, a 3.85% increase from the previous year[13] - Net profit for the first three quarters of 2020 reached 1,006,290 thousand RMB, compared to 965,882 thousand RMB in the same period of 2019, an increase of 4.3%[42] - Net profit for the first three quarters of 2020 reached CNY 996,976,000, representing a 4.6% increase from CNY 953,298,000 in the same period of 2019[48] Asset and Liability Management - Total assets increased to CNY 177,788,116 thousand, up 9.81% from the end of the previous year[13] - The bank's liabilities totaled CNY 165,651,334 thousand, an increase of 10.31% from CNY 150,181,876 thousand in the previous year[31] - Total liabilities amounted to 164,657,879 thousand RMB, up from 149,564,210 thousand RMB year-over-year[42] - Total assets as of September 30, 2020, reached CNY 177,788,116 thousand, an increase of 9.99% compared to CNY 161,912,124 thousand at the end of 2019[29] Cash Flow and Deposits - Net cash flow from operating activities amounted to CNY 10,460,877 thousand, representing a 28.31% increase year-on-year[13] - Cash flow from operating activities for the first three quarters of 2020 was CNY 10,460,877,000, an increase from CNY 8,152,776,000 in the same period of 2019[53] - The net increase in customer deposits and interbank deposits was CNY 15,138,518,000 in the first three quarters of 2020, compared to CNY 13,311,676,000 in the same period of 2019[53] - Total deposits as of September 30, 2020, were RMB 143,939,735 thousand, compared to RMB 128,195,730 thousand at the end of 2019, reflecting a growth of 12.3%[66] Investment and Loans - Loans and advances issued amounted to CNY 95,191,170 thousand, up from CNY 82,097,471 thousand, reflecting a significant growth in lending activities[29] - Total loans reached RMB 98,570,530 thousand, up from RMB 84,930,666 thousand year-over-year, indicating a growth of 16.1%[66] Shareholder Information - The total number of shareholders reached 61,234 at the end of the reporting period[16] - The largest shareholder, Guolian Trust Co., Ltd., holds 9.00% of the shares, totaling 166,330,635 shares[16] Risk Management - The capital adequacy ratio stood at 13.94%, down from 15.85% at the end of 2019[71] - The non-performing loan ratio improved slightly to 1.17% from 1.21% in the previous year[71] - The coverage ratio for provisions reached 307.27%, compared to 288.18% at the end of 2019, indicating stronger risk management[71] Operational Efficiency - The bank's cost-to-income ratio improved to 24.26% from 29.66% in the previous year, indicating better operational efficiency[71] - The bank's commission and fee income rose by 39.55% to CNY 168,864 thousand compared to CNY 121,006 thousand in the same period last year[23] Other Financial Metrics - The weighted average return on equity decreased by 0.13 percentage points to 8.39%[13] - The bank's total equity increased to CNY 12,136,782 thousand from CNY 11,730,248 thousand, reflecting a growth in shareholder value[31] - The bank's leverage ratio decreased to 5.54% from 6.41% at the end of 2019, reflecting a tighter capital position[68] - The bank's cash and deposits with the central bank decreased to CNY 12,199,470 thousand from CNY 13,146,796 thousand, a decline of 7.22%[29] Government Support - The company reported government subsidies of CNY 2,779 thousand for the current period[13] Strategic Developments - The company has not disclosed any new product developments or market expansion strategies in this report[13]

Financial Performance - Operating income for the first half of 2020 reached CNY 1,963,580, an increase of 18.59% compared to CNY 1,655,753 in the same period last year[26]. - Net profit attributable to shareholders was CNY 676,114, reflecting a growth of 4.97% from CNY 644,103 year-on-year[26]. - The company reported a total profit of CNY 785,754, which is a 2.26% increase from CNY 768,405 in the same period last year[26]. - Basic earnings per share for the first half of 2020 were CNY 0.37, a rise of 5.71% from CNY 0.35 in the same period last year[26]. - The net profit after deducting non-recurring gains and losses was CNY 676,517, an increase of 4.07% compared to CNY 650,063 in the previous year[26]. - The company's net profit for the reporting period showed an increase in retained earnings to 1,172,172 from 828,746, reflecting a growth of approximately 41.4%[191]. - The company's net profit increased to 1,210,802 from 873,053, showing a substantial increase of around 38.6%[198]. Assets and Liabilities - The total assets of the company at the end of the reporting period amounted to CNY 173,703,237, representing a 7.28% increase from CNY 161,912,124 at the end of the previous year[26]. - Total liabilities increased to ¥161,721,978, a rise of 7.68% compared to the end of 2019[29]. - Total assets reached CNY 173.703 billion as of June 30, 2020, an increase of CNY 11.791 billion or 7.28% from the beginning of the year[47]. - Total liabilities amounted to CNY 161,721,978 thousand, up from CNY 149,812,013 thousand year-over-year[66]. - The total equity attributable to shareholders increased to 11,895,002 from 11,649,445, marking a rise of about 2.1%[191]. - The total amount of deposits absorbed reached 144,373,641, an increase from 131,358,121, representing a growth of about 9.5%[191]. Cash Flow - The net cash flow from operating activities surged to CNY 9,817,218, a significant increase of 382.26% compared to CNY 2,035,659 in the same period last year[26]. - The company's cash flow from operating activities saw a significant increase, reaching CNY 9,817 billion, a growth of 382.26% year-on-year[59]. - The company's cash and deposits with central banks decreased to 11,173,469 from 13,146,796, a decline of approximately 15%[190]. Loans and Deposits - Total deposits reached ¥140,767,764, reflecting a growth of 9.81% year-over-year[29]. - Total loans amounted to ¥94,218,721, marking a 10.94% increase from the previous year[29]. - The total loan balance as of June 30, 2020, was CNY 94,218,721 thousand, an increase from CNY 84,930,666 thousand as of December 31, 2019, representing a growth of approximately 10.0%[77]. - Loans and advances increased by 13.98% to CNY 91,062,831 thousand, representing 52.43% of total assets[66]. - Customer deposits rose by 10.85% to CNY 144,373,641 thousand, making up 89.26% of total liabilities[66]. Risk Management - The company has effectively managed various operational risks, including credit risk, market risk, liquidity risk, and operational risk[8]. - The non-performing loan ratio improved to 1.14%, down by 0.07 percentage points from 1.21%[32]. - The company actively manages credit risk, maintaining sufficient provisions and controlling non-performing loans to enhance asset quality[114]. - The company faces market risks primarily from bond and foreign exchange operations, managing these risks through appropriate trading positions and risk assessment methods[117]. - The company ensures adequate liquidity to meet operational needs and monitors liquidity gaps effectively[119]. Strategic Initiatives - The bank's strategic focus remains on serving the "three rural issues" and small and micro enterprises, enhancing customer service capabilities[39]. - The company has committed to maintaining a diversified credit structure to manage concentration risks effectively[120]. - The company has established a financial support strategy for poverty alleviation, focusing on increasing financial resources and reducing financing costs in impoverished areas[146]. - The company has initiated several major reforms to improve financial services in rural areas, including the "Sunshine Credit" project and rural financial reform[147]. Shareholder Information - The top ten shareholders held a total of 52.07% of the shares, with the largest shareholder, Guolian Trust Co., Ltd., owning 166,330,635 shares, representing 9.00%[170]. - The total number of common stock shareholders at the end of the reporting period was 52,207[170]. - The company has implemented a strategy to manage shareholder equity effectively, with no shares pledged or frozen among the top shareholders[170].

2020 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 2020 年第一季度报告 1 / 21 2020 年第一季度报告 | --- | --- | --- | |------------------|------------------------------------------------------------------|-------| | | | | | | | | | 目录 | | | | 一、重要提示 | .......................................................... 3 | | | 二、公司基本情况 | ...................................................... 3 | | | 三、重要事项 | .......................................................... 5 | | | 四、附录 | ................................................... ...

Financial Performance - The company's operating income for 2019 was CNY 3,539,711,000, representing a 10.89% increase from CNY 3,192,181,000 in 2018[23] - The net profit attributable to shareholders of the listed company reached CNY 1,249,624,000, an increase of 14.07% compared to CNY 1,095,517,000 in the previous year[23] - The company's total profit for 2019 was CNY 1,452,821,000, which is an 11.97% increase from CNY 1,297,520,000 in 2018[23] - The company reported a net profit excluding non-recurring gains and losses of CNY 1,253,516,000, which is a 13.12% increase from CNY 1,108,175,000 in 2018[23] - Basic earnings per share increased by 15.25% to CNY 0.68 in 2019 compared to CNY 0.59 in 2018[24] - Diluted earnings per share rose by 13.46% to CNY 0.59 in 2019 from CNY 0.52 in 2018[24] - The company’s non-interest income surged by 192.92% to CNY 595.13 million, compared to CNY 203.17 million in 2018[105] - The company’s total interest income increased to CNY 6,592,913 in 2019, up 8.4% from CNY 6,079,409 in 2018[109] - Non-interest income rose to CNY 446,767 in 2019, significantly up from CNY 51,468 in 2018, driven by investment gains[112] Assets and Liabilities - The total assets of the company at the end of 2019 were CNY 161,912,124,000, reflecting a 4.87% increase from CNY 154,394,543,000 at the end of 2018[23] - Total liabilities increased by 4.68% to CNY 150,181,876,000 at the end of 2019 from CNY 143,465,585,000 in 2018[27] - Total deposits grew by 10.70% to CNY 128,195,730,000 in 2019 compared to CNY 115,808,239,000 in 2018[27] - The total loan amount rose by 12.73% to CNY 84,930,666,000 in 2019 from CNY 75,342,525,000 in 2018[27] - Total assets reached CNY 161.91 billion, an increase of 4.87% from the beginning of the year[63] - Total liabilities at the end of the reporting period were CNY 150.18 billion, an increase of CNY 6.72 billion, or 4.68% from the beginning of the year[97] Cash Flow - The net cash flow from operating activities was CNY 4,005,455,000, a significant increase of 201.23% compared to a negative cash flow of CNY -3,956,915,000 in 2018[23] - The company reported a net cash flow from operating activities of CNY 6,117,117,000 in Q3 2019, a significant recovery from a negative cash flow in Q2 2019[34] - Cash flow from operating activities showed a significant increase of 201.23%, reaching CNY 4.01 billion[58] Risk Management - The company has effectively managed and controlled various operational risks, including credit risk, market risk, liquidity risk, and operational risk[8] - The company has not reported any significant foreseeable risks in its operations[8] - The company emphasizes the importance of risk management, particularly in credit, market, operational, liquidity, and concentration risks[135][136][140][141] Dividend Policy - The company plans to distribute a cash dividend of CNY 1.8 per 10 shares to shareholders, as the "Wuxi Convertible Bond" has entered the conversion period[6] - The company plans to implement a stable profit distribution policy, focusing on cash dividends while ensuring sustainable development[144] - The net profit attributable to ordinary shareholders for 2019 was approximately 1.25 billion RMB, representing a dividend payout ratio of 26.62%[151] - The company has a clear and transparent dividend policy that aligns with the Shanghai Stock Exchange's guidelines[150] Awards and Recognition - The company was awarded "2019 China's Top 500 Service Enterprises" by the China Enterprise Confederation and the China Entrepreneurs Association[44] - The company has been recognized as an "Outstanding Listed Company" by the Wuxi Local Financial Regulatory Bureau[46] - The company has received multiple awards for its financial technology innovations and contributions to management innovation in 2019[46] Operational Efficiency - The company has established a total of 1 direct operating department, 3 branches, 53 sub-branches, and 59 financial service offices as of December 31, 2019[42] - The company has optimized its branch resources and opened new branches in Zhangjiagang and Xinbei, enhancing operational efficiency[52] - The company has actively explored the integration of its information technology advantages with local urban construction, enhancing customer service experience[52] Future Outlook - The company anticipates total assets to grow by approximately CNY 12,000,000 thousand in 2020, with net profit expected to increase by 8%-10%[134]

2019 年第三季度报告 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 2019 年第三季度报告 1 / 26 2019 年第三季度报告 | --- | --- | --- | |-------------------------------------------------------------------------------------|-------|-------| | | | | | 目录 | | | | 一、重要提示 ...................................................................... | | 3 | | 二、公司基本情况 .................................................................. | | 3 | | 三、重要事项 ...................................................................... | | 6 | | 四、附录 ................. ...