Core Viewpoint - Jiangsu Bank Wuxi Branch has successfully prevented multiple telecom fraud cases through vigilant employee training and advanced risk detection systems, thereby safeguarding customers' funds [1][2][3]. Group 1: Fraud Prevention Cases - A customer attempted to lift restrictions on their bank card and transfer funds, but the system flagged the account for unusual activity, leading to the detection of a potential telecom fraud case [1]. - Another customer sought to withdraw 70,000 yuan, but the source of the funds was found to be suspicious, prompting immediate action from bank staff and police involvement [2]. Group 2: Employee Training and Technology - The bank has prioritized anti-fraud measures by enhancing employee training to improve risk identification and response capabilities [2]. - Advanced technology, including big data and risk warning systems, has been implemented to quickly block abnormal transactions [2]. Group 3: Future Commitment - The bank plans to continue its commitment to customer safety and fraud prevention, reinforcing its dedication to protecting the financial interests of the public [3].

Group 1 - The banking sector is intensifying efforts in loan businesses, particularly consumer loans, in response to government policies aimed at boosting consumption [3] - The People's Bank of China and other ministries have emphasized the importance of financial institutions in providing funding support for consumption [3] - Banks are facing pressure to increase loan offerings as their performance in recent years has not been satisfactory [3] Group 2 - Interest rates for loans, especially consumer loans, have been declining, with major banks offering rates below 4% by the end of 2023 [4][5] - Some banks, like Guangfa Bank, have introduced specific loan products with rates as low as 3.2% [4] - The trend of rates below 3% is becoming more common, with various banks offering competitive rates based on customer profiles [5] Group 3 - State-owned banks generally maintain higher interest rates, while joint-stock banks offer more flexible rates, often below 3% [6][7] - For example, Jiangsu Bank offers a promotional rate of 2.58% for new customers, while Ningbo Bank has rates starting at 2.88% [7] - Local banks are reportedly offering the lowest rates, with some as low as 2.4% for specific customer categories [9] Group 4 - The variety of loan products is expanding, with banks introducing loans for diverse consumption scenarios, including digital and green consumption [10] - For instance, China Merchants Bank offers multiple loan products tailored to different consumer needs [10] - Banks are also categorizing loans based on customer demographics, such as white-collar workers or rural residents [13] Group 5 - Loan conditions have become more flexible, allowing for differentiated credit assessments based on customer repayment capabilities [16] - The typical loan term remains short, often around one year, but banks are considering extending terms as a competitive strategy [16] - There is a need for banks to balance asset quality with competitive pricing to avoid increasing non-performing loan rates [18][17] Group 6 - The effort to boost consumption requires collaboration from various sectors and cannot solely rely on banks [19]

特此公告。 江苏银行股份有限公司董事会 2025 年 3 月 20 日 - 1 - 江苏银行股份有限公司 关于高级管理人员辞任的公告 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。 江苏银行股份有限公司（以下简称"本行"）董事会近日收到周 爱国先生提交的辞呈。因工作调动，周爱国先生辞去本行副行长职务， 根据有关规定，周爱国先生的辞呈自送达本行董事会时生效。 周爱国先生在本行任职期间，恪尽职守，勤勉尽责，锐意进取， 高效执行本行党委会和董事会决议，扎实推进战略规划实施，积极做 好金融"五篇大文章"，为本行高质量发展做出了积极贡献。本行董 事会对周爱国先生在任职期间对本行所做出的贡献表示衷心感谢！ 证券代码：600919 证券简称：江苏银行 公告编号：2025-008 优先股代码：360026 优先股简称：苏银优 1 ...

证券代码：600919 证券简称：江苏银行 公告编号：2025-007 优先股代码：360026 优先股简称：苏银优 1 江苏银行股份有限公司 主要经营情况公告 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。 截至 2025 年 3 月 16 日，江苏银行本行口径各项存款余额 23355 亿元，比上月增加 240 亿元，比年初增加 2210 亿元；各项贷款余额 20323 亿元，比上月增加 107 亿元，比年初增加 938 亿元。今年以来， 本行持续保持稳健良好的发展态势，主要经营指标跑赢大势，资产规 模良性增长，经营效益稳健提升，资产质量保持平稳。 2025 年 3 月 17 日 本公告所载主要财务数据为初步核算数据，未经审计，仅供投资 者参考，不能以此推算本行一季度和全年业绩情况，提请投资者注意 投资风险。 - 1 - 特此公告。 江苏银行股份有限公司董事会 ...

Core Viewpoint - Jiangsu Bank's recent auction of non-performing loans at a significantly reduced starting price has attracted market attention, indicating a strategic move to enhance current earnings and long-term development [1][2][3]. Group 1: Non-Performing Loan Auction - Jiangsu Bank has listed four batches of personal non-performing loans for transfer, with total unpaid principal and interest exceeding 7 billion yuan, involving 330,000 borrowers [1][2]. - The starting price for these non-performing loans is approximately 347 million yuan, which is substantially lower than the total unpaid amount, raising concerns in the market [1][3]. - The bank has stated that this practice is a common industry approach and is compliant with regulations, aiming to boost current earnings and positively impact long-term growth [2][3]. Group 2: Financial Performance - For the year 2024, Jiangsu Bank reported operating income of 80.815 billion yuan, a year-on-year increase of 8.78%, and a net profit attributable to shareholders of 31.843 billion yuan, up 10.76% [4]. - As of the end of 2024, the bank's total assets reached 3.9518 trillion yuan, a growth of 16.12% compared to the previous year, with total deposits and loans also showing significant increases [4]. - The non-performing loan ratio stood at 0.89%, marking a historical low, with a decrease of 0.02 percentage points from the previous year [4]. Group 3: AI Deployment and Future Strategy - Jiangsu Bank has actively integrated into the digital economy, deploying AI technologies to enhance financial services, including the use of language models for contract inspection and automated valuation [5]. - The bank plans to continue expanding the application of AI technologies, aiming for process optimization and efficiency improvements to support business development [5].

证券代码：600919 证券简称：江苏银行 公告编号：2025-006 优先股代码：360026 优先股简称：苏银优 1 江苏银行股份有限公司董事会决议公告 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 担个别及连带责任。 江苏银行股份有限公司（以下简称"公司"）第六届董事会第十 六次会议通知于 2025 年 3 月 4 日以电子邮件方式发出，会议于 2025 年 3 月 14 日以书面传签方式召开。本次会议应参与表决董事 15 名， 实际参与表决董事 15 名。会议符合《公司法》等法律法规及公司章 程的有关规定，表决所形成的决议合法、有效。 会议审议通过以下议案： 一、关于江苏银行股份有限公司 2024 年度主要股东履职履约情 况报告的议案 表决结果：同意 15 票，反对 0 票，弃权 0 票。 二、关于江苏银行股份有限公司 2024 年度主要股东资本补充能 力情况报告的议案 表决结果：同意 15 票，反对 0 票，弃权 0 票。 三、关于江苏银行股份有限公司 2024 年度大股东评估情况报告 的议案 四、关于江苏银行股份有限公司 2 ...

行业周报 全国两会召开,宏观政策更加积极有为 银行业周报 (2025.03.03-2025.03.09) 2025年3月9日 核心观点 银行业 | 维持 | | --- | | 推荐 | 分析师 张一纬 ☎：010-8092-7617 z:zhangyiwei_yj@chinastock.com.cn 分析师登记编码：S0130519010001 研究助理 袁世麟 网: yuanshilin_yj@chinastock.com.cn 相对沪深 300 表现图 2025-03-07 资料来源:ifind. 中国银河证券研究院 相关研究 www.chinastock.com.cn 证券研究报告 请务必阅读正文最后的中国银河证券股份有限公司免责声明 银行板块表现弱于市场:本周沪深 300 指数上涨 1.39%,银行板块上涨 ● 1.13%。国有行、股份行、城商行、农商行分别-0.47%、+2.19%、+1.27%、 -0.11%。个股方面,齐鲁银行（+4.65%）、招商银行(+3.61%)、兴业银行 (+2.94%)、苏州银行(+2.54%)、杭州银行(+2.43%)涨幅居前。截至 3 月 7 日,银行板块 PB ...

Core Viewpoint - Banks are intensifying their promotion of consumer loans by lowering interest rates and increasing loan limits to attract borrowers [1] Group 1: Loan Promotion Strategies - Jiangsu Bank offers a limited-time consumer loan promotion with interest rates as low as 2.58% and online application limits up to 200,000 yuan, while in-person applications can reach up to 1 million yuan [1] - Several banks, including China Merchants Bank, Jiangsu Bank, Ningbo Bank, and Beijing Rural Commercial Bank, are enhancing their consumer loan offerings through various strategies such as lowering rates, increasing limits, issuing interest rate coupons, diversifying usage scenarios, and speeding up loan disbursement [1] Group 2: Industry Insights - Industry experts believe that banks are controlling credit risk, stabilizing retail loan non-performing rates, and optimizing retail loan structures by strictly managing the entry thresholds for low-interest loans [1] - The limited low-interest loan resources are being allocated to high-quality customers, which enhances banks' competitiveness in the battle for premium clientele [1]

Investment Rating - The report maintains a "Recommended" rating for the banking sector, highlighting its configuration value amidst supportive monetary policies and fiscal measures [5][30]. Core Insights - The banking sector has shown resilience, with the banking index declining only 0.36% compared to a 2.22% drop in the Shanghai and Shenzhen 300 index, indicating better performance relative to the market [5][10]. - The issuance quota for interbank certificates of deposit (CDs) has significantly increased, with a 46.26% rise among major state-owned banks and a 20.3% increase among listed joint-stock banks compared to the previous year, reflecting potential pressures on deposit growth [5][8]. - Financial support for private enterprises is expected to strengthen, with initiatives aimed at increasing credit availability and reducing financing costs, including a commitment from major banks to provide substantial funding to private enterprises over the next three years [9][30]. Summary by Sections Latest Research Insights - The report emphasizes the substantial increase in the 2025 interbank CD issuance quotas, with 264 banks announcing plans, indicating a response to deposit growth pressures, particularly among state-owned banks [8][9]. - A meeting held by the central bank and other departments focused on enhancing financial support for private enterprises, with measures to increase credit and lower financing costs [9][30]. Market Performance - The banking sector outperformed the broader market, with specific banks like CITIC Bank and Qilu Bank showing notable gains of 4.23% and 2.73%, respectively [5][10]. - The banking sector's price-to-book (PB) ratio stands at 0.65, with a dividend yield of 6.53%, indicating attractive valuation compared to the overall market [19][30]. Investment Recommendations - The report suggests that the increase in interbank CD quotas will help address short-term liquidity needs and support credit growth, particularly for private enterprises [30]. - Recommended stocks include Industrial and Commercial Bank of China (601398), China Construction Bank (601939), Postal Savings Bank of China (601658), Jiangsu Bank (600919), and Changshu Bank (601128) [30].

Group 1 - Jiangsu Provincial Organization Department announced the pre-appointment public notice for Zhou Aiguo, current Vice President and Party Committee Member of Jiangsu Bank, who is proposed to take the position of the head of the provincial management leadership team enterprise [1] - Zhou Aiguo, aged 53, has a long tenure at China Construction Bank Jiangsu Branch before serving as the Business Director and General Manager of Corporate Banking Department and General Manager of Green Finance Department at Jiangsu Bank [1] - Zhou Aiguo was appointed as Vice President of Jiangsu Bank in March 2023 [1]