证券代码：601128 证券简称：常熟银行 公告编号：2025-039 江苏常熟农村商业银行股份有限公司 2025年第三次临时股东大会决议公告 江苏常熟农村商业银行股份有限公司（以下简称"本行"）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。 重要内容提示： 本次会议是否有否决议案：无 一、会议召开和出席情况 (一)股东大会召开的时间：2025 年 8 月 11 日 (二)股东大会召开的地点：江苏省常熟市新世纪大道 58 号本行三楼多功能厅 (三)出席会议的普通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 | 727 | | --- | --- | | 2、出席会议的股东所持有表决权的股份总数（股） | 1,272,800,749 | | 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 | 38.3777 | | 份总数的比例（%） | | (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。 本次股东大会由本行董事会召集，采取现场和网络投票相结合的方式召开， 由薛文董事长主持。本次股 ...

国浩律师（苏州）事务所 关于 江苏常熟农村商业银行股份有限公司 2025 年第三次临时股东大会 网址/Website：http：//www.grandall.com.cn 2025 年 8 月 国浩律师（苏州）事务所 关于江苏常熟农村商业银行股份有限公司 2025 年第三次临时股东大会之见证法律意见书 致：江苏常熟农村商业银行股份有限公司 江苏常熟农村商业银行股份有限公司（以下简称"公司"）2025年第三次临时股东大会 于2025年8月11日上午9：30在江苏省常熟市新世纪大道58号该行三楼多功能厅召开，国浩 律师（苏州）事务所（以下简称"本所"）接受公司的委托，指派黄亦依律师、赵惠媛律师 （以下简称"本所律师"）出席会议，并依据《中华人民共和国证券法》（以下简称《证券 法》）、《中华人民共和国公司法》（以下简称《公司法》）、中国证券监督管理委员会 《上市公司股东大会规则》和《江苏常熟农村商业银行股份有限公司章程》（以下简称《公 司章程》）出具本法律意见书。 之 见证法律意见书 苏州工业园区旺墩路 269 号圆融星座商务广场 1 幢 28 楼（215000） 电话：（+86）（512）62720177 传真： ...

江苏常熟农村商业银行股份有限公司 董事会议事规则 第一条 宗旨 为了进一步规范本行董事会的议事方式和决策程序，促使董事和董事会有效 地履行其职责，提高董事会规范运作和科学决策水平，根据中华人民共和国《公 司法》《证券法》、证监会《上市公司治理准则》、上海证券交易所《股票上市 规则》、本行《章程》等有关规定，制订本规则。 第二条 董事会办公室 董事会下设董事会办公室，处理董事会日常事务。 董事会定期会议每季度应当至少召开一次，并应于会议召开前 10 日以书面 方式通知全体董事；高级管理人员可以列席董事会会议。 第四条 董事会行使下列职权： （七）拟订本行重大收购、收购本行股票或者合并、分立、解散及变更公司 形式的方案； （八）在股东会授权范围内，决定本行的对外投资、对外担保、委托理财、 关联交易、资产置换、产权转让、重要资产的抵质押、拍卖等事项； 本行重大关联交易应当由本行的风险管理与关联交易控制委员会审查后，提 交董事会批准。"重大关联交易"是指本行与单个关联方之间单笔交易金额达到 本行最近一期经审计净资产 1%以上，或累计达到本行最近一期经审计净资产 5% 以上的交易。 第三条 董事会会议 1 （一）召集股 ...

江苏常熟农村商业银行股份有限公司 股东会议事规则 本行董事会应当切实履行职责，认真、按时组织股东会。本行全体董事应当 勤勉尽责，确保股东会正常召开和依法行使职权。 第一章 总 则 第一条 为规范江苏常熟农村商业银行股份有限公司（以下简称"本行"） 行为，保证股东能够依法行使权力，确保股东会平稳、有序、规范运作，根据中 华人民共和国《公司法》《商业银行法》《证券法》等相关法律、行政法规及中 国证券监督管理机构和国家金融监督管理机构的指导意见，并结合本行《章程》 的有关规定，制定本议事规则。 第三条 股东会应当在《公司法》和本行《章程》规定的范围内行使职权。 第二条 本行应当严格按照法律、行政法规、本行《章程》及本规则的相关 规定召开股东会，保证股东能够依法行使权利。 第四条 股东会分为年度股东会和临时股东会。年度股东会每年召开一次， 并应于上一个会计年度完结之后的 6 个月之内举行。临时股东会不定期召开，出 现《公司法》及本行《章程》规定的应当召开临时股东会的情形时，临时股东会 应当在 2 个月内召开。 （四）应本行要求对其他问题出具的法律意见。 第五条 本行股东会应当实行律师见证制度，应当聘请律师对以下问题出 ...

Core Viewpoint - The article discusses the recent trends in bank stock buybacks, highlighting that several banks are adjusting their buyback plans due to rising stock prices, indicating strong market confidence in the banking sector [1][3][4]. Group 1: Bank Buyback Plans - Chengdu Bank announced an extension of its buyback plan until April 9, 2026, due to its stock price exceeding the previously set upper limit [1][3]. - The adjusted buyback plan for Chengdu Bank includes a total investment of no less than 700 million yuan and no more than 1.4 billion yuan, with no price limit set for the buyback [3]. - Huaxia Bank plans to initiate a buyback of at least 30 million yuan starting from April 11, 2025, with the buyback subject to market conditions [4]. Group 2: Bank Performance Reports - Changshu Bank reported a 10.10% increase in revenue to 6.062 billion yuan and a 13.51% rise in net profit to 1.969 billion yuan for the first half of 2025 [8]. - As of June 30, 2025, Changshu Bank's total assets reached 401.227 billion yuan, a 9.45% increase year-on-year, with a non-performing loan ratio of 0.76% [8]. - Other banks, including Pudong Development Bank and Hangzhou Bank, have also reported positive performance, with Hangzhou Bank achieving a 16.67% increase in net profit [9][10]. Group 3: Market Sentiment and Trends - Data from Tonghuashun indicates that eight listed banks have received shareholder buybacks or are planning to do so this year, reflecting strong market enthusiasm for bank stocks [6]. - Analysts predict that while retail non-performing loans will remain high in the second half of 2025, quality banks will begin to clear their non-performing assets first [12].

Group 1 - Chengdu Bank announced an extension of its share buyback plan until April 9, 2026, due to its stock price consistently exceeding the previously set upper limit [1][2] - The adjusted buyback plan will involve a total investment of no less than 700 million yuan and no more than 1.4 billion yuan, with specific amounts allocated to Chengdu Industrial Capital Group and Chengdu Xintianyi [2] - The original price limit for the buyback has been canceled, allowing for flexibility based on market conditions [2] Group 2 - Huaxia Bank plans to have its directors and senior management voluntarily increase their holdings by at least 30 million yuan starting April 11, 2025, although the plan has not yet been implemented due to market fluctuations [3] - The bank emphasizes that the funds for the buyback will come from its own resources, mitigating any funding risk [3] - In addition to Chengdu and Huaxia Banks, eight other listed banks have also seen shareholder buybacks or plans for buybacks this year, indicating strong market interest in bank stocks [3] Group 3 - Changshu Bank reported a 10.10% year-on-year increase in revenue for the first half of 2025, reaching 6.062 billion yuan, and a 13.51% increase in net profit to 1.969 billion yuan [4] - As of June 30, 2025, Changshu Bank's total assets grew by 9.45% to 401.227 billion yuan, with total liabilities increasing by 9.93% [4] - The bank's non-performing loan ratio was 0.76%, a slight decrease from the previous year, while the provision coverage ratio was 489.53% [4] Group 4 - Shanghai Pudong Development Bank reported a 2.62% increase in revenue for the first half of 2025, totaling 90.559 billion yuan, and a 10.19% increase in net profit to 29.737 billion yuan [5] - The non-performing loan ratio for the bank was 1.31%, showing a slight decrease, while the provision coverage ratio increased by 7.01% [5] Group 5 - Hangzhou Bank reported a 5.83% increase in total assets to 2.24 trillion yuan, with a net profit of 11.662 billion yuan, reflecting a 16.67% year-on-year growth [6] - The bank maintained a non-performing loan ratio of 0.76% and a provision coverage ratio of 520.89% as of June 30, 2025 [6] Group 6 - Qingdao Bank reported a 7.50% increase in revenue for the first half of 2025, reaching 7.662 billion yuan, with a net profit growth of 16.05% [7] - Qilu Bank's revenue increased by 5.76% to 6.782 billion yuan, with a net profit growth of 16.48% [7] - Ningbo Bank reported a 7.91% increase in revenue, totaling 37.16 billion yuan, with a non-performing loan ratio of 0.76% [7] Group 7 - Analysts predict that retail non-performing loans will remain high until the second half of 2026, but quality banks may see an earlier resolution of their non-performing assets [8] - Some quality regional banks are expected to stabilize their net interest margins due to a narrowing decline in new loan rates and a favorable deposit structure [8]

从资金流向上来看，当日农商行板块主力资金净流出405.15万元，游资资金净流出536.65万元，散户资 金净流入941.79万元。农商行板块个股资金流向见下表： 证券之星消息，8月11日农商行板块较上一交易日下跌1.12%，沪农商行领跌。当日上证指数报收于 3647.55，上涨0.34%。深证成指报收于11291.43，上涨1.46%。农商行板块个股涨跌见下表： | 代码 | 名称 | 收盘价 | 涨跌幅 | 成交量(手) | 成交额(元) | | --- | --- | --- | --- | --- | --- | | 601128 | 常熟银行 | 7.91 | 1.41% | 66.62万 | 5.24亿 | | 601860 | 紫金银行 | 6672 | -0.33% | 47.68万 | 1.43亿 | | 603323 | 苏农银行 | 5.38 | -0.55% | 22.91万 | 1.23亿 | | 600908 | 无锡银行 | 6.10 | -0.65% | - 14.15万 | 8647.70万 | | 601528 | 瑞丰银行 | 5.63 | -0.88% | 13.64万 ...

Core Insights - A total of 185 A-share listed companies have released their 2025 semi-annual reports, with 164 reporting profits and 21 reporting losses [1] - Among these companies, 123 experienced a year-on-year increase in net profit, while 62 saw a decline [1] - The top 10 companies by net profit include China Mobile, CATL, and Industrial Fulian, with China Mobile leading at a net profit of 84.235 billion yuan [1][2] Group 1: Profitability and Growth - The total net profit of the top 10 companies all showed year-on-year growth, with WuXi AppTec leading at a 101.92% increase [3] - Companies with net profit growth exceeding 100% include 30 firms, with Zhimingda achieving a staggering 2147.93% increase [3][4] - The companies with the highest net profit include China Mobile (84.235 billion yuan), CATL (30.485 billion yuan), and Industrial Fulian (12.113 billion yuan) [2][3] Group 2: Losses and Declines - Among the 21 companies reporting losses, Aisheng Co. had the largest loss of approximately 238 million yuan, despite a year-on-year profit increase of 86.38% [5][7] - Companies with significant losses include Beijing Culture and Baiwei Storage, both exceeding 200 million yuan in losses [5][7] - In the group of 62 companies with declining net profits, eight companies saw declines exceeding 100%, with Rongbai Technology leading at a 765.45% decrease [8]

Core Viewpoint - Advanced manufacturing has become a new driving force for county-level economic growth, with Changshu Rural Commercial Bank playing a crucial role in supporting the transformation and upgrading of this sector through targeted financial services [1]. Group 1: Financial Support Mechanisms - Changshu Rural Commercial Bank has established "one household, one file" support archives for advanced manufacturing, implementing "one household, one policy" precision financial services to help manufacturing enterprises upgrade and develop [1]. - The bank collaborates with government departments, industry associations, and industrial clusters to accurately grasp policy directions and development strategies, providing references for investment and financing decisions [2]. - The bank has supported over 2,300 high-tech enterprises, enhancing its service mechanisms and establishing a service list with dedicated personnel for targeted support [2]. Group 2: Tailored Financial Products - The bank addresses the common challenges faced by manufacturing enterprises, such as urgent funding needs and long return cycles, by innovating financial products tailored to different entities and scenarios [3]. - Loan terms and repayment methods are set based on the development stage and funding needs of manufacturing enterprises, including order financing and equipment loans [3]. - New types of collateral-based credit products, such as patent loans and equity loans, have been introduced to alleviate financing difficulties [3]. Group 3: Enhanced Service Efficiency - To improve customer satisfaction and convenience in obtaining loans, the bank leverages technology, allowing customer managers to collect data on-site and enabling mobile loan processing [4]. - The bank has delegated loan approval authority to branch institutions to enhance response speed and streamline the credit approval process [4]. - The bank has simplified loan application materials and advanced online approval processes, facilitating rapid credit granting to help enterprises seize market opportunities and enhance competitiveness [4].

Group 1 - The core viewpoint of the report indicates that Changshu Bank's revenue for the first half of 2025 increased by 10.1% year-on-year, while the net profit attributable to shareholders rose by 13.51% [1] - The net interest margin's decline compared to the same period last year has narrowed, and the corporate banking segment showed strong growth [1] - The company has increased its interim dividend payout ratio and maintains a "buy" rating [1] Group 2 - In the first half of 2025, the focus was on the growth of the corporate banking segment, with new corporate loans concentrated in construction, leasing services, wholesale and retail, and trade financing [1] - The company conducted quarterly visits to explore customer needs, resulting in a 24% year-on-year reduction in loan attrition for the first half of 2025 [1] - As of the end of Q2 2025, the corporate deposit balance was 64.641 billion yuan, reflecting a 17.32% increase from the beginning of the year, with both current and fixed deposits showing significant growth compared to 2024 [1] Group 3 - The quality of individual loans is influenced by operational loans, with the proportion of special mention loans increasing by 8 basis points to 1.57% compared to the end of 2024, and the overdue loan ratio rising by 19 basis points to 1.62% [1] - The company's "light capital" strategy has been effectively implemented, with the risk-weighted asset ratio decreasing by the end of Q2 2025 compared to the end of 2024, while the core Tier 1 capital adequacy ratio remains in double digits [1]