证券代码：600908 证券简称：无锡银行 公告编号：2024-021 无锡农村商业银行股份有限公司 2023 年年度权益分派实施公告 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： 每股分配比例 A 股每股现金红利 0.20 元（含税） 一、 通过分配方案的股东大会届次和日期 本次利润分配方案经公司 2024 年 5 月 10 日的 2023 年年度股东大会审议通过。 二、 分配方案 截至股权登记日下午上海证券交易所收市后，在中国证券登记结算有限责任公司上海分 公司（以下简称"中国结算上海分公司"）登记在册的本公司全体股东。 3. 分配方案： 本次利润分配以方案实施前的公司总股本2,194,681,695股为基数，每股派发现金红利0.20 元（含税），共计派发现金红利 438,936,339 元。 1. 发放年度：2023 年年度 2. 分派对象： 相关日期 | 股份类别 | 股权登记日 | 最后交易日 | 除权（息）日 | 现金红利发放日 | | --- | --- | --- | --- | --- | ...

证券代码：600908 证券简称：无锡银行 公告编号：2024-019 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。 2024年6月25日 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 会近日收到公司独立董事刘一平先生、孙健先生的书面辞职报告。刘一平先 生、孙健先生因连续担任公司独立董事满6年，根据监管部门和《公司章程》 关于独立董事任职期限的规定，申请辞去独立董事以及董事会相关专门委员 会的职务。 刘一平先生、孙健先生分别向公司董事会确认其与公司董事会无不同意 见，亦不存在需要公司股东知悉有关本人辞职的其他事宜。因两位独立董事 辞任将导致公司独立董事人数低于董事会人数的三分之一，在公司召开股东 大会选举产生新任独立董事并经监管部门核准任职资格履职前，刘一平先生、 孙健先生将按照法律法规和《公司章程》的规定，继续履行独立董事及董事 会相关专门委员会的相关职责。公司将按照相关规定尽快完成独立董事的补 选工作。 无锡农村商业银行股份有限公司董事会 无锡农村商业银行股份有限公司 关于独立董事任期届满辞职的公告 刘 ...

证券代码：600908 证券简称：无锡银行 公告编号：2024-020 无锡农村商业银行股份有限公司 关于外部监事任期届满辞职的公告 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"本行"或"公司"）监事会近 日收到外部监事包可为先生的书面辞职报告。因连续担任本行外部监事满 6 年， 根据监管部门和本行《章程》关于外部监事任职期限的规定，包可为先生申请辞 去外部监事以及监事会相关专门委员会的职务。 包可为先生已向本行监事会确认其与本行监事会无不同意见，亦无任何其他 事项需要通知本行股东和债权人。因包可为先生的辞职将导致本行外部监事人数 低于监事会人数的三分之一，在本行召开股东大会选举产生的新任外部监事履职 前，包可为先生将按照法律法规和本行《章程》的规定，继续履行外部监事及监 事会相关专门委员会的相关职责。本行将按照相关规定尽快完外部监事的补选工 作。 包可为先生在担任本行外部监事期间恪尽职守，勤勉尽责，在完善监事会监 督体系、推动提升公司治理水平等方面发挥了重要作用，本行监事会对包可为 ...

Investment Rating - The report assigns an "Outperform the Market" rating to the company, marking its first coverage [40][42]. Core Insights - The company has shown a recovery in revenue growth, with Q1 2024 revenue reaching 1.304 billion yuan, a year-on-year increase of 5.02% [40][86]. - The net profit for Q1 2024 was 599 million yuan, reflecting a year-on-year growth of 9.41% [40][86]. - The bank's asset quality remains strong, with a non-performing loan ratio of 0.79% and a provision coverage ratio of 515.35% as of Q1 2024 [40][24]. Summary by Sections Company Overview - The company is a local commercial bank based in Wuxi, established in 1995 and listed on the Shanghai Stock Exchange in 2016 [44][40]. - It primarily serves small and medium-sized enterprises in the region and has expanded its operations to nearby cities [44][48]. Financial Performance - For the full year 2023, the company reported a revenue of 4.538 billion yuan, a 1.28% increase year-on-year, and a net profit of 2.2 billion yuan, up 9.96% [40][86]. - The bank's total assets reached 245.3 billion yuan by the end of Q1 2024, with loans totaling 150 billion yuan and deposits of 204.9 billion yuan [40][44]. Loan Structure - The bank's loan portfolio is heavily weighted towards corporate loans, which account for approximately 70% of total loans [5][54]. - Retail loans have been growing, with personal loans increasing from 13.99% of total loans in 2017 to 18.34% in 2023 [56][57]. Profitability Metrics - The bank's return on equity (ROE) for Q1 2024 was 12.27%, slightly down from the previous year [40][86]. - The net interest margin has been under pressure, estimated at 1.44% for Q1 2024, down 14 basis points year-on-year [40][87]. Future Outlook - The report forecasts a steady growth in net profit for 2024-2026, with expected figures of 2.399 billion yuan, 2.590 billion yuan, and 2.806 billion yuan respectively [40][99]. - The bank is expected to continue benefiting from the robust economic environment in the Jiangsu province, with a projected asset growth rate of 9.0% for the next three years [89][40].

无锡农村商业银行股份有限公司 2023 年年度股东大会的 法律意见书 江苏世纪同仁律师事务所关于 致:无锡农村商业银行股份有限公司 根据《中华人民共和国公司法》等法律、法规和规范性文件以及公司《章程》 的规定,本所受公司的委托,指派本所律师出席公司 2023年年度股东大会,并就 本次股东大会的召集、召开程序、出席会议人员资格、表决程序以及表决结果的 合法有效性等事项出具法律意见书。 为出具本法律意见书,本所律师对本次股东大会所涉及的有关事项进行了审 查,查阅了相关会议文件,并对有关问题进行了必要的核查和验证。 经查,公司在规定时间内刊登了会议通知。 2.公司本次股东大会采取现场投票与网络投票相结合的方式召开。现场会议召 -1- 开时间:2024年5月10日(星期五)下午 13点 30 分。网络投票时间:2024 年 5 月 10日,其中,采用上海证券交易所网络投票系统,通过交易系统投票平台的投 票时间为股东大会召开当日的交易时间段,即 9:15-9:25，9:30-11:30,13:00-15:00; 通过互联网投票平台的投票时间为股东大会召开当日的 9:15-15:00。经查,本次股 东大会已按照会议通知通 ...

证券代码：600908 证券简称：无锡银行 公告编号：2024-018 (一)股东大会召开的时间：2024 年 5 月 10 日 (二)股东大会召开的地点：无锡市金融二街 9 号无锡农商行三楼第一会议室 (三)出席会议的普通股股东和恢复表决权的优先股股东及其持有股份情况： | 1、出席会议的股东和代理人人数 | 57 | | --- | --- | | 2、出席会议的股东所持有表决权的股份总数（股） | 1,021,440,957 | | 3、出席会议的股东所持有表决权股份数占公司有表决权股 | | | 份总数的比例（%） | 46.54 | (四)表决方式是否符合《公司法》及《公司章程》的规定，大会主持情况等。 本次股东大会由无锡农村商业银行股份有限公司董事会召集，由董事长邵辉 先生主持，本次会议的召集、召开及表决方式均符合《中华人民共和国公司法》 无锡农村商业银行股份有限公司 2023 年年度股东大会决议公告 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。 重要内容提示： 本次会议是否有否决议案：无 一、 会议召开和出席情 ...

Investment Rating - The report maintains a rating of "Accumulate" for Wuxi Bank, indicating a positive outlook for the stock with expected growth relative to the market index [3][11]. Core Insights - Wuxi Bank's 2023 annual report shows a steady growth in revenue, achieving an operating income of 4.538 billion yuan, a year-on-year increase of 1.28%. The net profit attributable to shareholders reached 2.200 billion yuan, up 9.96% year-on-year [1][6]. - The bank's asset quality remains strong, with a non-performing loan ratio of 0.79%, a decrease of 2 basis points from the previous year. The provision coverage ratio stands at 522.57%, indicating a robust risk management framework [1][6]. - The growth in inclusive loans is notable, increasing by 4.759 billion yuan, or 25.15% year-on-year, reflecting the bank's commitment to supporting small and micro enterprises [1][6]. Financial Performance Summary - For 2023, Wuxi Bank reported: - Operating income: 45.38 billion yuan, up 1.28% year-on-year - Net profit: 22.00 billion yuan, up 9.96% year-on-year - Return on equity (ROE): 11.48%, down 1.53 percentage points year-on-year - Non-performing loan ratio: 0.79%, down 2 basis points year-on-year - Provision coverage ratio: 522.57%, down 30.17 percentage points year-on-year [1][6]. - Forecasts for 2024-2026 project operating income to reach 46.39 billion yuan, 48.42 billion yuan, and 50.61 billion yuan, respectively, with net profits of 23.75 billion yuan, 25.21 billion yuan, and 26.95 billion yuan [1][6].

| --- | --- | --- | |--------|----------------|----------------------------------------------------------------------------------------------------------------| | 行 | 买入 未来 | 评级 说明 6-12 个月的投资收益率领先市场基准指数 15% 以上 | | 业 | 增持 | 未来 6-12 个月的投资收益率领先市场基准指数 5%至 15% ； | | 及 公 | 中性 | 未来 6-12 个月的投资收益率与市场基准指数的变动幅度相差 -5%至 5% ； | | 司 | 减持 | 未来 6-12 个月的投资收益率落后市场基准指数 5%至 15% ； | | 评 | 卖出 | 未来 6-12 个月的投资收益率落后市场基准指数 15% 以上； | | 级 | 无评级 | 因无法获取必要的资料，或者公司面临无法预见结果的重大不确定性事件，或者其他原因，致使无法给出明确的投资评级。 | | | 基准指数说明： | A 股市场基准为沪深 300 指数；香 ...

Financial Performance - The company's operating revenue for the reporting period reached CNY 1,304,309,000, representing a year-on-year increase of 5.02%[3] - Net profit attributable to shareholders was CNY 598,932,000, reflecting a growth of 9.41% compared to the same period last year[3] - Total comprehensive income amounted to CNY 632,205, an increase from CNY 548,977 year-over-year, reflecting a growth of approximately 15.1%[59] - Basic earnings per share increased to CNY 0.27 from CNY 0.25, marking an 8% rise[59] - The company reported an average return on total assets (annualized) of 1.00% as of March 31, 2024, compared to 0.99% at the end of 2023[52] - The company’s equity attributable to shareholders increased to 21,921,279 million from 21,056,013 million, reflecting a growth of 4.1%[32] - The company reported a decrease in tax payments to CNY 64,956 from CNY 180,936, reflecting a reduction of approximately 64%[61] - Comprehensive income totaled 627,438, compared to 541,804, indicating a growth of approximately 15.8%[80] Assets and Liabilities - Total assets as of the end of the reporting period were CNY 245,280,928,000, an increase of 4.39% from the previous year[3] - Total assets increased to 245,280,928 thousand RMB as of March 31, 2024, up from 234,956,165 thousand RMB at the end of 2023[55] - Total liabilities increased to 222,123,069 million as of March 31, 2024, compared to 213,006,521 million at the end of 2023, marking an increase of 4.9%[37] - The company’s total liabilities increased to 209,439,738 thousand RMB as of March 31, 2024, compared to 199,841,882 thousand RMB at the end of 2023[55] - Total liabilities and shareholders' equity reached 244,017,648, up from 234,040,531, reflecting an increase of about 4.2%[77] Cash Flow - The net cash flow from operating activities decreased by 42.05%, amounting to CNY 5,581,389,000, due to adjustments in asset-liability configuration[3][5] - The net cash flow from operating activities was CNY 5,581,389, a decrease of 42.5% compared to CNY 9,631,965 in the first quarter of 2023[61] - The net cash flow from investment activities was CNY 391,598, a significant improvement compared to a net outflow of CNY 4,938,569 in the previous year[61] - The net cash flow from financing activities was negative at CNY -1,936,686, compared to CNY -75,990 in the first quarter of 2023[75] Deposits and Loans - The total deposits reached CNY 204,909,119,000, up from CNY 194,128,117,000 at the end of the previous year[22] - The total loans amounted to CNY 150,032,963,000, increasing from CNY 143,037,532,000 at the end of the previous year[22] - The net increase in customer deposits and interbank placements reached CNY 12,621,599, up from CNY 11,024,432 in the same quarter last year, representing an increase of approximately 14.5%[61] Investment Income - Investment income rose by 68.50%, attributed to increased gains from the disposal of financial asset investments[5] - The company reported an increase in investment income to 305,217 million in Q1 2024, compared to 181,143 million in Q1 2023, a significant rise of 68.5%[32] Shareholder Information - The total number of common shareholders at the end of the reporting period is 43,632[43] - The largest shareholder, Wuxi Taihu New City Asset Management Co., Ltd., holds 195,369,030 shares, accounting for 8.90% of total shares[43] Capital Adequacy and Ratios - The core tier 1 capital adequacy ratio was reported at 11.15%, slightly up from 11.13% at the end of the previous year[22] - The capital adequacy ratio decreased to 13.83% from 14.41% at the end of 2023[52] - The non-performing loan ratio remained stable at 0.79% for both March 31, 2024, and December 31, 2023[52] - The provision coverage ratio is reported at 515.35%, down from 522.57% at the end of 2023[52] - The cost-to-income ratio improved to 26.14% in Q1 2024 from 32.19% in Q4 2023[52] Management and Strategy - The company is focused on expanding its market presence and enhancing product development strategies, as indicated in the earnings call[83] - The management team, including the president and accounting heads, emphasized ongoing efforts to improve financial performance and shareholder value[84]

证券代码：600908 证券简称：无锡银行 公告编号：2024-016 无锡农村商业银行股份有限公司 第六届监事会第十三次会议决议公告 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。 赞成 9 票；反对 0 票；弃权 0 票。 监事会认为： 1.公司 2024 年第一季度报告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 2024 年第一季度报告编制的人员存在违反保 密规定、损害公司利益的行为。 二、无锡农村商业银行股份有限公司 2023 年度贷款风险分类专项审计报告 的议案 赞成 9 票；反对 0 票；弃权 0 票。 特此公告。 无锡农村商业银行股份有限公司（以下简称"公司"）于 2024 年 4 月 12 日以电子邮件形式向全体监事发出关于召开第六届监事会第十三次会议的通知， 会议于 20 ...