Group 1 - The "Su Super League" has gained significant popularity, attracting 195,700 spectators in its first three rounds, with a peak attendance of 22,613, nearly matching the average attendance of the first 13 rounds of the Chinese Super League [1] - The league has stimulated cultural and tourism consumption in Jiangsu, with a 14.63% increase in tourism spending in six host cities during the Dragon Boat Festival, showcasing a new model of "sports events driving cultural and tourism consumption" [1] - Financial institutions are actively supporting the development of the cultural and sports industry in Jiangsu, leveraging the success of the "Su Super League" to enhance local economic growth [2] Group 2 - Jiangsu Bank is the main sponsor of the "Su Super League" and has previously sponsored other sports events, aiming to create a "cultural finance" brand and explore the "finance + sports" model [3] - Other banks in Jiangsu are also supporting cultural and sports events, with initiatives like promoting tourism alongside traditional dragon boat races [4][5] - The "Su Super League" has led to a surge in ticket prices, with some tickets being resold for as much as 600 yuan, indicating a strong demand that benefits various sectors including dining and accommodation [6] Group 3 - The success of the "Su Super League" has provided a reference for other regions in China to stimulate consumption through a "watching + X" model, capturing a broader consumer base [7] - The integration of cultural symbols and tourism, as seen with the "Su Super League," is a valuable experience for revitalizing markets [8] - Agricultural Bank of Jiangsu has supported the Grand Canal tourism and cultural heritage projects with over 1 billion yuan, promoting financial services tailored to the cultural tourism industry [9]

（责任编辑：关婧） 中国经济网北京5月8日讯 目前，30家A股、H股上市城商行的2024年报已披露完毕。从归母净利润 表现来看，江苏银行2024年实现归属于上市公司股东的净利润318.43亿元，排名城商行第一，宁波银 行、北京银行分别以271.27亿元、258.31亿元位列第二、三名。 | 银行名称 | 归母净利润（亿元） | 归母净利润增速 | | --- | --- | --- | | 江苏银行 | 318.43 | 10.76% | | 宁波银行 | 271.27 | 6.23% | | 北京银行 | 258.31 | 0.81% | | 上海银行 | 235.60 | 4.50% | | 南京银行 | 201.77 | 9.05% | | 杭州银行 | 169.83 | 18.07% | | 徽商银行 | 154.14 | 6.80% | | 成都银行 | 128.58 | 10.17% | | 长沙银行 | 78.27 | 4.87% | | 贵阳银行 | 51.64 | -7.16% | | 重庆银行 | 51.17 | 3.80% | | 苏州银行 | 50.68 | 10.16% | | 齐鲁 ...

中国经济网北京5月19日讯 日前，17家A股上市城商行的2025年一季度报告已披露完毕。从归母净 利润表现来看，江苏银行今年首季实现归母净利润97.80亿元夺冠，北京银行、宁波银行分别以76.72亿 元、74.17亿元位列第二、三名。 | 银行名称 | 归母净利润（亿元） | | --- | --- | | 江苏银行 | 97.80 | | 北京银行 | 76.72 | | 宁波银行 | 74.17 | | 上海银行 | 62.92 | | 南京银行 | 61.08 | | 杭州银行 | 60.21 | | 成都银行 | 30.12 | | 长沙银行 | 21.73 | | 重庆银行 | 16.24 | | 苏州银行 | 15.54 | | 贵阳银行 | 14.43 | | 齐鲁银行 | 13.72 | | 青岛银行 | 12.58 | | 郑州银行 | 10.16 | | 西安银行 | 7.12 | | 厦门银行 | 6.45 | | 兰州银行 | 5.59 | 从归母净利润增速来看，2025年第一季度，在17家A股上市的城商行中，有14家实现归母净利润增 长，3家归母净利润有所下滑。其中，杭州银行归母净利 ...

Core Viewpoint - Jiangsu Bank, recognized as a leading city commercial bank, shows strong performance in hard metrics but falls short in soft metrics, particularly in ESG ratings, especially in corporate governance [1][3][22] ESG Performance - Jiangsu Bank's ESG score is 21 out of 100, ranking last among seven major listed city commercial banks, with all three categories (E, S, G) below average [3][5] - The bank's environmental score is 11, significantly lower than the average of 12.71, with notable deficiencies in decarbonization and climate strategy [5][6] - In the social category, Jiangsu Bank scores 16, below the average of 22.86, particularly poor in labor practices [5][6] - The governance score is 26, also below the industry average of 27.86, with low scores in business ethics and corporate governance [6][7] - The bank has faced five penalties for inflating loans and deposits, indicating governance issues and a lack of effective consumer financial protection [8][9][10] Financial Performance - Jiangsu Bank's financial investment assets grew from 845.9 billion to 1.53 trillion from 2020 to 2024, with a compound annual growth rate of 12.53% [14][17] - Despite strong asset growth, the bank's investment income growth is not competitive compared to peers, with a 20.86% increase in 2024, lower than other leading banks [17][21] - The core Tier 1 capital adequacy ratio is 9.12%, below the industry average, raising concerns about capital adequacy [18][21] - The non-performing loan ratio is low, but this is attributed to increased write-offs, with a significant rise in the amount of non-performing assets written off [21][22]

升级跨境服务体系，提升贸易结算便利化水平。作为2024年北京地区新增的8家可开展跨境贸易高水平 开放便利化业务的"审慎合规银行"之一，江苏银行北京分行致力于为优质企业提供更加便捷高效的跨境 金融服务。通过实施便利经常项目外汇资金收付、优化新型国际贸易结算等便利化措施，帮助企业提升 结算效率，降低经营成本。不断推广苏银跨境"汇畅通"多币种首付款服务，为与共建"一带一路"国家有 经贸往来的企业提供覆盖全球120个币种的汇出汇款和40个币种的汇入汇款的一揽子货币跨境汇兑服 务，进一步满足企业多元化的跨境结算需求。 外贸企业作为连接国内外市场的关键桥梁，是推动经济高质量发展的重要引擎。2025年以来，江苏银行 北京分行深入推进"苏银跨境"经营品牌建设，依托江苏银行"离岸+在岸""NRA+ FT"账户体系，构建起 涵盖跨境结算、跨境投融资、跨境担保、外汇交易等业务的全链条金融服务体系，为外贸企业在国际市 场的发展保驾护航。 强化跨境信贷支持，助力企业开拓海外新市场。在帮助企业"扬帆出海"的征程中，破解融资瓶颈、缓解 跨境贸易资金占用压力是核心着力点。江苏银行北京分行积极响应稳外贸稳外资政策，聚焦重点产业布 局，常态化深 ...

Core Viewpoint - The commercial banking sector is undergoing a significant transformation in its customer channel strategy, focusing on the integration and optimization of online platforms, particularly WeChat, while facing challenges from declining public traffic and the need for more personalized customer engagement [2][3][4]. Group 1: Online Channel Integration Trends - Many banks are consolidating their online channels, with a notable trend of shutting down direct banking apps and credit card center apps, shifting focus to WeChat as a primary platform for customer interaction [3][4]. - Banks are migrating WeChat service accounts to official public accounts to unify service functions and promotional channels, as seen with several banks like China Merchants Bank and Industrial Bank [3][4]. - Similar business public accounts within the same bank are being integrated or redirected to the main official public account, enhancing operational efficiency [3][4]. Group 2: Service Function Adjustments - Some banks are discontinuing certain WeChat public accounts or services, directing customers to their mobile banking apps for continued service access, as exemplified by Hunan Sanxiang Bank and Shanghai Rural Commercial Bank [4][5]. - Regulatory bodies have emphasized the need for banks to optimize their mobile applications, focusing on user engagement and functionality, which has led to a more organized approach to online service management [4][5]. Group 3: Public and Private Traffic Dynamics - The decline in public traffic on WeChat has prompted banks to shift their focus towards private traffic management, utilizing tools like WeChat Work for personalized customer service and targeted marketing [6][8]. - Banks are leveraging data analytics and customer behavior tracking to create detailed customer profiles, enabling more tailored marketing strategies and improved customer experiences [8]. - The integration of various online channels, including public accounts, enterprise WeChat, and social platforms, is being utilized to enhance customer journeys and optimize service delivery [8].

Core Viewpoint - The article discusses the ongoing integration and optimization of online channels by commercial banks, particularly focusing on WeChat platforms, in response to the challenges of customer acquisition and retention in a saturated internet environment [1][2][6]. Group 1: Trends in WeChat Channel Integration - Commercial banks are accelerating the integration of online channels, with many direct banks and credit card center apps facing shutdowns [2]. - The integration focuses on three main directions: 1. Unifying WeChat service accounts into official public accounts to streamline services and promotional channels [2]. 2. Merging similar business public accounts under a single official account to enhance operational efficiency [3]. 3. Phasing out certain public accounts or services, redirecting users to mobile apps for continued service [3][4]. Group 2: Regulatory and Functional Changes - Regulatory bodies have emphasized the need for banks to optimize mobile applications, particularly those with low user engagement or high compliance risks [4]. - The distinction between WeChat service accounts and public accounts has become clearer, with service accounts focusing on functional services and public accounts on information dissemination [6]. Group 3: Shift to Private Traffic Operations - In response to declining public traffic, banks are increasingly focusing on private traffic operations to enhance customer engagement [8]. - Banks are utilizing enterprise WeChat for personalized customer service and targeted marketing, creating a private traffic pool through various online and offline channels [9].

Group 1 - The stock price of Jiangsu Bank closed at 11.69 yuan on August 6, 2025, down 0.60% from the previous trading day, with a trading range of 1.96% and a transaction volume of 891,556 hands, amounting to 1.042 billion yuan [1] - Jiangsu Bank is a significant urban commercial bank in Jiangsu Province, primarily engaged in traditional banking services such as deposits and loans, settlement, and bill discounting, while also involved in bond underwriting and wealth management [1] - Jiangsu Bank has been active in issuing "perpetual bonds" this year, ranking among the top regional banks in Jiangsu in terms of issuance scale, with a total of 42 "perpetual bonds" issued by small and medium-sized banks nationwide as of August 5 [1] Group 2 - On August 6, Jiangsu Bank saw a net inflow of main funds amounting to 8.9223 million yuan, with a cumulative net inflow of 146 million yuan over the past five trading days, indicating sustained investor interest in the stock [1]

Core Viewpoint - The article discusses the ongoing integration and optimization of online channels by commercial banks, particularly focusing on WeChat platforms, as they adapt to changing customer engagement dynamics and regulatory requirements [1][2][4]. Group 1: Trends in WeChat Channel Integration - Commercial banks are accelerating the integration of online channels, with many direct banks and credit card center apps facing shutdowns [2][3]. - Banks are migrating WeChat service accounts to official public accounts to unify service functions and promotional channels [2][3]. - Similar business public accounts within the same bank are being consolidated or redirected to the official public account [3]. Group 2: Regulatory and Management Challenges - Regulatory bodies have emphasized the need for banks to optimize mobile applications, particularly those with low user engagement or high compliance risks [4]. - Many banks have multiple official WeChat accounts, leading to confusion in service offerings and inconsistent functionalities across different accounts [4][5]. Group 3: Shift in User Engagement Dynamics - The differentiation between WeChat service accounts and public accounts has impacted user engagement, with service accounts now requiring additional clicks to access content, leading to a decline in visibility and interaction [6][7]. - The overall reading volume for service account content has decreased significantly since the introduction of the new WeChat features [6][7]. Group 4: Focus on Private Traffic Operations - Banks are increasingly shifting their focus to private traffic operations, utilizing tools like enterprise WeChat for personalized customer service and targeted marketing [8][9]. - The integration of various online and offline channels aims to create a seamless customer journey and enhance overall customer experience [9].

| 601860 | 紫金银行 | -0.66 | 1.78 | -778.68 | | --- | --- | --- | --- | --- | | 600036 | 招商银行 | -0.29 | 0.21 | -666.17 | | 002807 | 江阴银行 | -0.83 | 0.70 | -583.01 | | 601825 | 沪农商行 | -0.53 | 0.16 | -572.73 | | 002948 | 青岛银行 | 0.99 | 1.24 | -410.70 | | 601963 | 重庆银行 | -0.48 | 0.50 | -306.36 | | 600000 | 浦发银行 | 0.29 | 0.28 | -259.69 | | 601187 | 厦门银行 | 0.00 | 1.63 | -242.53 | | 600928 | 西安银行 | 0.26 | 0.59 | -97.37 | | 600908 | 无锡银行 | -0.49 | 0.59 | -37.20 | | 603323 | 苏农银行 | -0.73 | 0.99 | 378.64 | | 002958 | 青农商 ...