证券代码：600919 证券简称：江苏银行 公告编号：2025-009 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 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 年度全面风险管理报告的 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 2025 年度风险限额方案的议案 表决结果：同意 15 票，反对 0 票，弃权 0 票。 四、关于江苏银行股份有限公司 2025 年度风险管理策略的议案 表决结果：同意 15 票，反对 0 票，弃权 0 票。 五、关于江苏银行股份有限公司 2025 年度风险偏好陈述书的议 - 1 - 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 七次会议通知于 2025 年 3 月 18 日以电子邮件方式发出，会议于 2025 年 3 月 28 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 ...

松江区委书记王华杰表示，长三角G60科创走廊ESG发展联盟自去年11月在第七届进博会成立以 来，有力推动九城市企业践行ESG投资理念、搭建绿色产业发展平台，对服务长三角一体化及"双碳"战 略意义重大。接下来，应继续强化重大战略任务牵引，凝聚高质量发展共识，坚持绿色科创文明，构建 绿色低碳供应链体系，推动产业绿色转型与协同发展。 江苏银行党委副书记、行长袁军表示，江苏银行将切实履行理事长职责，做到三个"全力以赴"：一 是加强顶层设计，推动绿色金融发展，探索行业标准，提升服务绿色经济的质量和效率；二是聚焦服务 实体经济，深化政银企合作，助力G60科创走廊建设；三是强化责任意识，完善联盟组织架构，激发联 盟活力，推动低碳环保转型，助力经济可持续发展和"双碳"目标的实现。 上海市发展和改革委员会副主任朱明林表示，上海将继续支持长三角G60科创走廊建设，携手各方 探索可持续发展新路径，并对联盟提出三点期望——聚势消除行业隔阂，统一产业链上下游ESG标准； 创新突破，在专业领域产出原创成果，占据全球领先地位；将ESG实践融入企业价值观，让科技创新更 具人文关怀，实现绿色发展成果普惠于民。 3月27日，"长三角G60科创走 ...

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 ...

证券时报网讯，江苏省委组织部发布干部任前公示显示，现任江苏银行副行长、党委委员周爱国拟任省 委管理领导班子企业正职。 据了解，周爱国现年53岁，曾长期供职于建设银行江苏省分行，后出任江苏银行业务总监兼公司业务部 总经理、绿色金融部总经理，2023年3月获聘为江苏银行副行长。 ...

（责任编辑：田云绯） 作为一款将住房公积金贷款和商业性个人住房贷款相结合的贷款产品，公积金组合贷款受到了许多购房 者的青睐。近日，江苏银行房贷业务再创新，在徐州成功落地江苏省首笔线下公积金组合贷款"一次 办"业务，用高效专业的服务焕新了客户对银行贷款流程的印象，是该行优服务、惠民生的又一大举 措。 作为全国系统重要性银行，江苏银行深入贯彻落实国家推动"高效办成一件事"的决策部署，依托江苏银 行"e按揭"产品，率先与徐州市住房公积金管理中心试点合作。通过市住房公积金的数据共享和业务协 同，江苏银行组合贷款流程得到大幅简化，从贷款申请到放款整个过程仅需半天，大大提升客户业务办 理效率，真正实现了"让数据多跑路、百姓少跑腿"，全面提升购房者的体验感与认可度。此后，江苏银 行将持续加大与江苏省住建厅沟通协同，在徐州试点的基础上，有序做好全辖推广。 作为一款将住房公积金贷款和商业性个人住房贷款相结合的贷款产品，公积金组合贷款受到了许多购房 者的青睐。近日，江苏银行房贷业务再创新，在徐州成功落地江苏省首笔线下公积金组合贷款"一次 办"业务，用高效专业的服务焕新了客户对银行贷款流程的印象，是该行优服务、惠民生的又一大举 措 ...

Investment Rating - The investment rating for the company is "Buy" and is maintained [5]. Core Insights - The company reported an annual revenue growth of 8.8% for 2024, with a significant quarterly growth of 18.5% in Q4. The net profit attributable to shareholders increased by 10.8% year-on-year, with a quarterly growth of 16.5% in Q4. The high growth in Q4 is attributed to a low base in Q4 2023 and expected gains from bond market investment income, alongside an anticipated narrowing of net interest margin decline and improved deposit costs [3][4][8]. - The year-end non-performing loan ratio remained stable at 0.89%, while the provision coverage ratio decreased by 1 percentage point to 350%. The non-performing loan net generation rate is expected to remain relatively stable in Q4 [3][4][8]. Summary by Sections Performance - The company's revenue accelerated in 2024, with a notable Q4 revenue growth of 18.5%. The annual revenue growth was supported by a low base effect and increased investment income from the bond market. The net profit growth remained stable compared to the previous quarter, with a significant increase in other comprehensive income [8][22]. Scale - Total assets grew by 16.1% year-on-year, with loans increasing by 10.7% and deposits by 12.8% compared to the beginning of the year. The retail loan demand is expected to remain weak, leading to tightened risk controls on consumer and business loans [8][22]. Interest Margin - The net interest margin is expected to narrow in Q4, with a significant improvement in funding costs. The estimated net interest margin for the first three quarters decreased by 2 basis points to 1.74%, while funding costs improved due to declining deposit costs [8][22]. Asset Quality - The asset quality is expected to remain stable, with the non-performing loan generation rate anticipated to stabilize in Q4. The retail loan non-performing rate increased slightly, but the overall asset quality for corporate loans is expected to remain strong [8][22]. Investment Recommendation - The company is expected to maintain stable growth in 2025, with a clear strategic plan focusing on developed economic regions. The current valuation is at 0.69 times the 2025 price-to-book ratio, indicating undervaluation, with a projected dividend yield of 5.6%, the highest among leading city commercial banks [8][22].

Investment Rating - The investment rating for Jiangsu Bank is "Buy" and is maintained [8] Core Views - Jiangsu Bank's 2024 revenue and profit growth rates have rebounded compared to the first three quarters, outperforming expectations [2][4] - The bank's net profit attributable to shareholders is expected to grow by 10.8% year-on-year in 2024, with revenue growth projected at 8.8% [3][4] - The bank's asset quality remains stable, with a non-performing loan ratio of 0.89% at the end of 2024, unchanged from the previous quarter [5] Summary by Sections Performance Overview - Jiangsu Bank's net profit attributable to shareholders for 2024 is projected to increase by 10.8%, an improvement of 0.7 percentage points from the previous three quarters [3] - Revenue is expected to grow by 8.8%, with an increase of 2.6 percentage points compared to the previous three quarters [3][4] Growth Drivers - The growth in net interest income and non-interest income is expected to drive the overall performance, aided by a favorable base effect and improved interest costs [4] - The bank is anticipated to maintain strong loan growth due to resilient credit demand in Jiangsu province [4][5] Asset Quality - The non-performing loan ratio is stable at 0.89%, and the provision coverage ratio is at 350%, down by 1 percentage point from the previous quarter [5] Financial Forecasts - Jiangsu Bank's net profit is forecasted to grow by 10.8% in 2024, followed by 8.1% in 2025 and 8.2% in 2026 [6] - The bank's book value per share (BPS) is projected to be 12.48, 14.05, and 15.44 for 2024, 2025, and 2026 respectively [6] Valuation - The current price corresponds to a price-to-book (PB) ratio of 0.77 for 2024, with a target price set at 14.05 per share, indicating a potential upside of 47% [6]