| 无锡农村商业银行股份有限公司董事会 | | --- | | 关于独立董事独立性情况的专项意见 | | 根据中国证监会《上市公司独立董事管理办法》、上海证券交易 | | 所《股票上市规则》、《上海证券交易所上市公司自律监管指引第 1 | | 号--规范运作》等监管要求,无锡农村商业银行股份有限公司(以 | | 下简称"公司")董事会,就在任独立董事的独立性情况进行评估并 | | 出具如下专项意见: | 无锡农村商业银行 | ハメールは、バイノスルナイズデスがからずにエロいな,エラ | | --- | | 公司以及主要股东之间不存在利害关系或其他可能妨碍其进行独立 | | 客观判断的关系,因此,公司独立董事符合《上市公司独立董事管 | | 理办法》、《上海证券交易所上市公司自律监管指引第 1 号-- 规范运 | | 作》中对独立董事独立性的相关要求。 | 经独立董事自查及本公司核查,审阅了独立董事刘宁、吴岚、 张磊、王国俊、杨东涛的任职经历以及签署的相关自查文件及承诺, 上述人员未在公司担任除独立董事以外的任何职务;上述人员的配 偶、父母、子女及主要社会关系未在公司担任任何职务;上述人员 及其配偶、父母、子女 ...

无锡农村商业银行股份有限公司 2025 年度社会责任报告 2026 年 3 月 | | | | 一、关于我们 | 3 | | --- | --- | | （一）基本情况简介 | 3 | | （二）社会责任理念 | 4 | | （三）荣誉与认可 | 6 | | 二、战略引领，提升治理能力 | 6 | | （一）持续完善公司治理 | 8 | | （二）加强投资者关系管理 | 10 | | （三）实施全面风险管理 | 11 | | 三、稳健经营，服务经济发展 | 13 | | （一）致力服务实体经济 | 13 | | （二）倾力服务乡村振兴 | 14 | | （三）稳健发展普惠金融 | 15 | | 四、心系客户，传递真诚服务 | 17 | | （一）持续完善电子银行渠道 17 | | | （二）持续推进网点转型 | 17 | | （三）落实金融消费者权益保护 18 | | | 五、保护环境，支持绿色发展 | 19 | | （一）发展绿色信贷 | 19 | | （二）推行绿色服务 | 20 | | （三）坚持绿色运营 | 21 | | 六、以人为本，致力员工关爱 | 21 | | （一）构建分层分类培训体系 21 ...

证券代码：600908 证券简称：无锡银行 公告编号：2026-005 无锡农村商业银行股份有限公司关于估值提升计划 暨"提质增效重回报"行动方案的公告 无锡农村商业银行股份有限公司（以下简称"本行"或"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: 截至 2025 年 12 月 31 日收盘，本行股票已连续 12 个月内每个交易日收盘 价均低于最近一个会计年度经审计的每股归属于母公司普通股股东的净资产 （以下简称"每股净资产"），经公司第七届董事会第七次会议审议通过并制定 了《关于估值提升计划暨"提质增效重回报"行动方案》（以下简称"估值提升 计划"）。本估值提升计划围绕公司高质量发展、金融行业五篇大文章、村镇银 行吸收合并改革工作、重视股东回报、加强投资者关系管理等方面，不断提升 公司投资价值。本估值提升计划仅为公司行动计划，不代表公司对业绩、股价、 重大事件等任何指标或事项的承诺。公司业绩及二级市场表现受到宏观形势、 行业政策、市场情况等诸多因素影响，相关目标的实现情况存在不确定性。 一、估值提升计划 ...

无锡农村商业银行股份有限公司2025 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 2025 年年度报告 1 / 212 无锡农村商业银行股份有限公司2025 年年度报告 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 本行拟以实施权益分派股权登记日登记的总股本为基数，每股派发现金股利0.13元（含税）。2025 年中期已按每股0.11元（含税）派发现金股利，2025年全年累计派发每股0.24元现金股利（含税）。 截至报告期末，母公司存在未弥补亏损的相关情况及其对公司分红等事项的影响 □适用 √不适用 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。 重要提示 一、本公司董事会及董事、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、公司负责人陶畅、行长陈红梅、主管会计工 ...

无锡农村商业银行股份有限公司 董事会审计及消费者权益保护委员会 2025 年度履职情况报告 根据《上海证券交易所股票上市规则》《上海证券交易所上 市公司自律监管指引第1号一规范运作》的监管要求以及公司章 程的规定,报告期内,董事会审计及消费者权益保护委员会本着 勤勉尽责的原则,认真履行职责。现就2025年度董事会审计及 消费者权益保护委员会履职情况报告如下: 一、审计及消费者权益保护委员会组成情况 公司第七届董事会审计及消费者权益保护委员会由 3 名独 立董事组成,分别为:王国俊、张磊、刘宁。独立董事王国俊担 任审计及消费者权益保护委员会主任委员。 二、审计及消费者权益保护委员会会议召开情况 报告期内,公司董事会审计及消费者权益保护委员会会议召 开情况如下表: | 会议名称 | 召开日期 | 参会委 | 会议审议的事项 | | --- | --- | --- | --- | | | | 员 | | | 2025 年审 计及消费 | | 王国俊、 | 1. 关于2024年度审计报告的议案,并形成决议; 2. 关于2024年年度报告及摘要的议案,并形成决议: 3. 关于2024年度财务决算暨2025年度财务预算报 ...

重要内容提示： 2026年3月26日，本行第七届董事会第七次会议审议通过了《无锡农村商业 银行股份有限公司关于部分关联方2026年度日常关联交易预计额度的议案》，关 联董事回避表决。 证券代码：600908 证券简称：无锡银行 公告编号：2026-003 无锡农村商业银行股份有限公司关于部分关联方 2026 年度日常关联交易预计额度的公告 无锡农村商业银行股份有限公司（以下简称"本行"或"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。 一、日常关联交易的基本情况 （一）日常关联交易履行的审议程序 1.董事会表决情况和关联董事回避情况 2026年3月26日，公司第七届董事会第七次会议以非关联董事7票赞成、0票 反对、0票弃权审议通过了《关于部分关联方2026年度日常关联交易预计额度的 议案》，关联董事茹华杰、周卫平、任庆和、殷新中、孙志强、万妮娅、吴岚、 王国俊回避表决。此项交易尚需获得股东会的批准，与该关联交易有利害关系的 关联人将放弃行使在股东会上对该议案的投票权。 2.独立董事专门会议审核意见 公司本次部分关联方202 ...

Group 1 - The banking operating environment is characterized by a shift to a "quality over quantity" approach in credit growth, with a slowdown in RMB loan growth to 6% as of February 2026, influenced by weak credit demand and a focus on state-supported industries [4][14] - Fiscal policy remains proactive, with a projected general deficit rate of approximately 8.0% in 2026, which is expected to maintain a strong leverage effect on credit demand similar to 2025 [31][32] - The profitability of banks is gradually stabilizing, with state-owned banks showing positive profit growth due to fiscal policies, while smaller banks face operational pressures [7][35] Group 2 - Retail credit risk remains under pressure, with an increase in non-performing loans, particularly among smaller banks, although there is optimism for state-owned banks' asset quality [7][26] - The investment strategy emphasizes two main lines: focusing on wealth management capabilities in joint-stock banks and identifying city and rural commercial banks with controllable risks and strong profit certainty [6][35] - The credit growth momentum is shifting from traditional industries to emerging sectors supported by government policies, with significant growth in loans to green and high-tech enterprises [19][20]

Investment Rating - The report maintains a recommendation for the banking sector, indicating a defensive value amidst external uncertainties affecting the A-share market [2][5]. Core Insights - The "Two Sessions" have provided financial signals, focusing on monetary policy, financial risk prevention, and institutional reforms. The monetary policy is expected to remain moderately loose, prioritizing stable economic growth and reasonable price recovery [5][11]. - The report anticipates that the frequency of reserve requirement ratio (RRR) and interest rate cuts will remain consistent with the previous year, with a lower probability of implementation in the first half of the year. The growth rate of social financing (社融) and M2 may fall below 8% [5][11]. - Structural monetary policy tools will be emphasized, with an expected net investment scale exceeding 540.5 billion in 2025, focusing on supporting domestic demand, technological innovation, and small and micro enterprises [6][11]. Summary by Sections Regulatory Dynamics - The report highlights the successful convening of the "Two Sessions" and the focus on monetary policy and financial risk prevention by the People's Bank of China [3][14]. Market Dynamics - The report notes a decline of 2.30% in the Wind All A Index, while the Shenwan banking sector increased by 1.64% [17]. Data Overview - The central bank's net withdrawal this week was 1.56 trillion, with a decrease in various interest rates, including the Shibor rates [4][25]. - The report provides detailed data on the performance of various banking stocks, including their dividend rates and price-to-earnings ratios [22]. Banking Sector Trends - The report indicates that the net interest margin decline is stabilizing, suggesting that revenue challenges for commercial banks may be easing. It recommends focusing on city commercial banks in key development areas and national banks with lower non-performing asset pressures [11].

Core Viewpoint - The deposit market is experiencing differentiation as state-owned banks reduce high-interest long-term deposits while small and medium-sized banks, primarily rural commercial banks, actively adjust strategies to capture market share by launching large-denomination certificates of deposit and raising fixed deposit rates [1][12]. Group 1: Large-Denomination Certificates of Deposit - Rural commercial banks have become the main force in issuing large-denomination certificates of deposit, with a total issuance exceeding 30 billion yuan, and a noticeable trend towards shorter product durations [3][14]. - The average interest rate for 3-year large-denomination certificates of deposit from rural commercial banks is 1.8%, significantly higher than similar products from state-owned banks [3][14]. - As of early 2026, nearly 400 large-denomination certificate issuance announcements have been made, with rural commercial banks accounting for over 90% of the total issuance [16]. Group 2: Interest Rate Adjustments - From January to February 2026, many rural commercial banks have raised fixed deposit rates to meet the "opening red" deposit demand, with adjustments typically between 10 to 20 basis points [7][20]. - Specific banks, such as Zhejiang Jiaxing Rural Commercial Bank, have increased their 1-year and 2-year fixed deposit rates to 1.50% and 1.75%, respectively, while offering tiered rates for 3-year deposits based on the amount deposited [8][20]. - Some banks have set high minimum deposit thresholds and limited promotional periods for these interest rate increases, indicating a short-term marketing strategy [10][22]. Group 3: Market Dynamics and Competition - The banking industry is facing a narrowing net interest margin, prompting rural commercial banks to seek a balance between controlling liability costs and capturing market share through differentiated and regionally tailored deposit products [15][23]. - The competitive landscape is characterized by large banks withdrawing from long-term large-denomination certificates of deposit, while small and medium-sized banks are strategically raising rates to attract local depositors, particularly for large sums [19][23]. - The need for strong deposit acquisition is driven by pressures to support asset expansion, especially for smaller banks lacking brand and network advantages [23].

Core Viewpoint - The agricultural commercial bank sector experienced a decline of 1.13% on February 3, with the Shanghai Agricultural Commercial Bank leading the drop, while the overall Shanghai Composite Index rose by 1.29% [1] Group 1: Market Performance - The Shanghai Composite Index closed at 4067.74, up 1.29%, and the Shenzhen Component Index closed at 14127.1, up 2.19% [1] - The agricultural commercial bank sector saw various individual stock performances, with notable declines in several banks, including Jiangyin Bank and Zhangjiagang Bank, both down by 0.88% [1] Group 2: Trading Volume and Capital Flow - The total trading volume for the agricultural commercial bank sector was significant, with the highest trading volume recorded for Qingnong Bank at 895,900 shares and a total transaction value of 274 million yuan [1] - The sector experienced a net inflow of 77.82 million yuan from institutional investors, while retail investors saw a net outflow of 106 million yuan [1] Group 3: Individual Stock Analysis - Yunnan Agricultural Commercial Bank had a net inflow of 32.1 million yuan from institutional investors, but a net outflow of 18.46 million yuan from retail investors [2] - Changshu Bank also saw a net inflow of 23.19 million yuan from institutional investors, with retail investors withdrawing 10.73 million yuan [2] - Su Nong Bank had a net inflow of 15.3 million yuan from institutional investors, but a significant net outflow of 20.84 million yuan from retail investors [2]