Group 1 - The banking sector has shown strong performance, with Ningbo Bank leading the gains, rising by 6.5% in the morning session on July 25, following a positive earnings report [2][6] - Ningbo Bank reported a net profit of 14.772 billion yuan for the first half of the year, representing a year-on-year growth of 8.23%, which acted as a catalyst for the stock price increase [4][6] - The banking sector has seen a cumulative increase of 12.40% year-to-date, significantly outperforming the broader market [2][6] Group 2 - Several regional banks have reported double-digit profit growth, with Hangzhou Bank achieving a net profit of 11.662 billion yuan, up 16.67% year-on-year [3] - Changshu Bank reported a net profit of 1.969 billion yuan, a year-on-year increase of 13.55%, and its total assets surpassed 400 billion yuan for the first time [3][4] - The asset quality of Changshu Bank remains strong, with a non-performing loan ratio of 0.76%, which has decreased by 0.01 percentage points since the beginning of the year [3] Group 3 - Institutional investors remain optimistic about the banking sector, anticipating a continuation of the valuation recovery trend [7][9] - Northbound capital has increased its holdings in A-share banking stocks, with a reported growth of 26.6 billion yuan in the second quarter of 2025 [8] - Public funds have reached a record high in their allocation to banking stocks, with a fund position of 4.33%, the highest since the second quarter of 2021 [9]

Meeting Overview - The 13th meeting of the 8th Board of Directors of Jiangsu Changshu Rural Commercial Bank was held on July 24, 2025, combining in-person and video attendance, with 11 out of 13 directors present [1] - The meeting was chaired by Chairman Xue Wen, and all supervisors attended, complying with relevant laws and regulations [1] Board Resolutions - The board approved the renaming of the "Human Resources Department" to "Party Organization Department (Human Resources Department)" to oversee cadre and human resources work, with unanimous support [2] - A proposal for external investment was unanimously approved [2] - The board agreed to merge with Yancheng Binhai Xingfu Village Bank and establish a branch, pending shareholder meeting approval [2] - The board also approved the merger with Zhenjiang Runzhou Changjiang Village Bank and the establishment of a branch, subject to shareholder meeting approval [2] - The merger with Changzhou Zhonglou Changjiang Village Bank and the establishment of a branch was also unanimously approved, pending shareholder meeting approval [2] - The board decided to disband the supervisory committee, which requires shareholder meeting approval and regulatory approval from the local financial supervision bureau [2] - Amendments to the company's articles of association were approved, pending shareholder meeting approval and regulatory approval [2] - Revisions to the rules for shareholder meetings were unanimously approved, pending regulatory approval [3] - Revisions to the rules for board meetings were also unanimously approved, pending regulatory approval [3] - Adjustments to the members of the board's specialized committees were made, with Director Xu Xuefeng moving from the Strategy and Agricultural Financial Services Committee to the Audit and Consumer Rights Protection Committee [4] - The board agreed to convene the third extraordinary general meeting of shareholders in 2025 [4]

【导读】常熟银行拟吸收合并三家村镇银行 中国基金报记者 庄佳 银行"村改支"持续扩围。 7月24日晚间，常熟银行（证券代码：601128）披露股东大会会议资料，宣布拟吸收合并盐城滨海兴福村镇银行、镇江润州长江村镇银 行、常州钟楼长江村镇银行，吸收合并完成后，上述三家村镇银行将注销，并改设为常熟银行支行。 此外，本次吸收合并完成后，上述三家村镇银行的全部业务、财产、债权债务以及其他各项权利均由常熟银行依法承继，附着于其资产上 的全部权利和义务亦由常熟银行享有和承担。 本次吸收合并不是常熟银行今年第一次"出手"。今年上半年，常熟银行先后宣布拟吸收合并江苏江宁上银村镇银行、宿迁宿城兴福村镇银 行、江苏宝应锦程村镇银行及江苏如东融兴村镇银行。 常熟银行表示，通过吸收合并上述三家村镇银行，能够扩大本行的展业区域，并进一步整合经营资源及优化机构网点布局。 编辑：黄梅 校对：王玥 制作：小茉 审核：陈墨 版权声明 《中国基金报》对本平台所刊载的原创内容享有著作权，未经授权禁止转载，否则将追究法律责任。 授权转载合作联系人：于先生（电话：0755-82468670） 公告称，上述议案已经常熟银行第八届董事会第十三次会议审议通 ...

Core Viewpoint - Ningbo Bank has reported positive performance in its earnings announcement, aligning with the trend observed in other East China banks, indicating a general improvement in revenue growth amidst a rate-cutting cycle [1] Group 1: Revenue Growth - Ningbo Bank achieved a year-on-year revenue growth of 7.91% in the first half of 2025, an increase from 5.63% in the first quarter [1] - Hangzhou Bank reported a year-on-year revenue growth of 3.89% in the first half of 2025, up from 2.22% in the first quarter [1] - Changshu Bank experienced a year-on-year revenue growth of 10.10% in the first half of 2025, slightly higher than the 10.04% growth in the first quarter [1] Group 2: Trend Analysis - All three banks, including Ningbo Bank, Hangzhou Bank, and Changshu Bank, demonstrated a trend of improving revenue growth quarter by quarter during the current interest rate reduction cycle [1]

证券代码：601128 证券简称：常熟银行 公告编号：2025-033 江苏常熟农村商业银行股份有限公司 关于修订《公司章程》的公告 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。 本行于2025年7月24日召开的第八届董事会第十三次会议审议通过了关于 《修订<公司章程>》的议案，并同意将该议案提交公司股东大会审议。《公司章 程》具体修改情况如下： | 序号 | 修订前条款 | 修订后条款 | 修订依据 | | --- | --- | --- | --- | | | 第一条 为维护江苏常熟农村商业银行股 | 第一条 为维护江苏常熟农村商业银行股份 | | | | 份有限公司（以下简称"本行"）、股东 | 有限公司（以下简称"本行"）、股东、职 | | | | 和债权人的合法权益，规范本行的组织和 | 工和债权人的合法权益，规范本行的组织和 | | | | 行为，根据《中国共产党章程》《中华人 | 行为，根据《中国共产党章程》《中华人民 | | | | 民共和国公司法》（以下 ...

证券代码：601128 证券简称：常熟银行 公告编号：2025-035 江苏常熟农村商业银行股份有限公司 关于召开2025年第三次临时股东大会的通知 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： 一、召开会议的基本情况 (一)股东大会类型和届次 2025年第三次临时股东大会 (二)股东大会召集人：董事会 (三)投票方式：本次股东大会所采用的表决方式是现场投票和网络投票相结合的 方式 (四)现场会议召开的日期、时间和地点 召开的日期时间：2025 年 8 月 11 日 9 点 30 分 召开地点：江苏省常熟市新世纪大道 58 号本行三楼多功能厅 股东大会召开日期：2025年8月11日 本次股东大会采用的网络投票系统：上海证券交易所股东大会网络投票 系统 (五)网络投票的系统、起止日期和投票时间。 (六)融资融券、转融通、约定购回业务账户和沪股通投资者的投票程序 涉及融资融券、转融通业务、约定购回业务相关账户以及沪股通投资者的投 票，应按照《上海证券交易所上市 ...

2025 年第三次临时股东大会会议资料 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 会议资料 2025 年 8 月 11 日 2025 年第三次临时股东大会会议资料 目 录 | 股东大会议程 | 2 | | --- | --- | | 股东大会会议须知 | 3 | | 吸收合并盐城滨海兴福村镇银行有限责任公司并设立分支机构 | 4 | | 吸收合并镇江润州长江村镇银行股份有限公司并设立分支机构 | 6 | | 吸收合并常州钟楼长江村镇银行股份有限公司并设立分支机构 | 8 | | 不再设立监事会 | 10 | | 修订《公司章程》 | 11 | | 修订《股东大会议事规则》 | 41 | | 修订《董事会议事规则》 | 49 | 1 2025 年第三次临时股东大会会议资料 股东大会议程 会议时间：2025 年 8 月 11 日（星期一）上午 9:30 会议地点：江苏省常熟市新世纪大道 58 号本行三楼多功能厅 主 持 人：董事长 薛文先生 一、主持人宣布会议开始 二、审议各项议案 1.吸收合并盐城滨海兴福村镇银行有限责任公司并设立分支机构 2.吸收合并镇江润州长江村镇银行股份有限公司并设 ...

证券代码：601128 证券简称：常熟银行 公告编号：2025-034 江苏常熟农村商业银行股份有限公司 第八届监事会第九次会议决议公告 （二）修订《公司章程》 同意 6 票，反对 0 票，弃权 0 票。 本议案尚需提交股东大会审议并经国家金融监督管理总局苏州监管分局核 准。 特此公告。 本行第八届监事会第九次会议于 2025 年 7 月 24 日以现场与视频相结合的方 式召开，会议通知及会议文件已于 2025 年 7 月 18 日以电子邮件方式发出。会议 由宋毅监事长主持，会议应到监事 6 人，实到监事 6 人。会议符合《公司法》等 法律法规及本行《章程》的有关规定。 二、监事会会议审议情况 （一）不再设立监事会 同意 6 票，反对 0 票，弃权 0 票。 本议案尚需提交股东大会审议并经国家金融监督管理总局苏州监管分局核 准《公司章程》后同步生效。 江苏常熟农村商业银行股份有限公司（以下简称"本行"）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个别及连带责任。 一、监事会会议召开情况 江苏常熟农村商业银行股份有限公司监事会 2025 年 ...

证券代码：601128 证券简称：常熟银行 公告编号：2025-032 同意 13 票，反对 0 票，弃权 0 票。 江苏常熟农村商业银行股份有限公司 第八届董事会第十三次会议决议公告 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： 袁翔董事、周梅独董因个人原因未能亲自出席本次董事会，分别委托陈兴董 事、周月书独董代为出席并表决。 一、董事会会议召开情况 本行第八届董事会第十三次会议于 2025 年 7 月 24 日以现场和视频相结合的 方式召开，会议通知及会议文件已于 2025 年 7 月 18 日发出。会议由薛文董事长 主持，会议应到董事 13 人，实到董事 11 人。袁翔董事、周梅独董因个人原因未 能亲自出席会议，分别委托陈兴董事、周月书独董代为出席并表决。全体监事列 席了会议，会议符合《公司法》等法律法规及本行《章程》的有关规定。 二、董事会会议审议情况 （一）调整本行部门设置 将原"人力资源部"更名为"党委组织部(人力资源部)"，负责干部和人力 资 ...

Core Viewpoint - The banking industry is showing signs of stabilization and recovery in the first half of 2025, with improvements in revenue and profit growth expected as net interest margins stabilize and non-interest income pressures ease [1][2][3]. Group 1: Performance Overview - Hangzhou Bank reported a 3.89% year-on-year increase in revenue and a 16.67% increase in net profit attributable to shareholders for the first half of 2025 [2]. - Changshu Bank achieved a revenue of 6.062 billion yuan, a 10.10% year-on-year growth, and a net profit of 1.969 billion yuan, reflecting a 13.55% increase [2]. - Analysts predict that the overall performance of A-share listed banks will show stabilization and recovery, with a projected revenue decline of only 1.6% year-on-year for the first half of 2025, a significant improvement compared to the previous year [2][3]. Group 2: Revenue and Profit Trends - Analysts expect that the revenue and profit growth rates for listed banks will improve in the second quarter compared to the first quarter, with a forecast of a 0.6% year-on-year revenue growth in Q2 [2][3]. - The net profit for listed banks is anticipated to show a slight decline of 0.3% year-on-year for the first half, with a positive growth of 0.8% expected in Q2 [2][3]. Group 3: Net Interest Margin and Income - The net interest margin is expected to stabilize, with a projected decrease of 3-4 basis points in Q2 due to the impact of LPR adjustments [5]. - Non-interest income is anticipated to recover, with fee income expected to improve as the previous year's low base effects diminish [5][6]. Group 4: Asset Quality - Both Hangzhou Bank and Changshu Bank reported a non-performing loan (NPL) ratio of 0.76%, indicating strong asset quality [6]. - The overall asset quality of banks is expected to show a trend of improvement, with public sector loans performing better than retail loans [6][7]. Group 5: Credit Growth Dynamics - The credit growth remains skewed towards corporate loans, which accounted for over 75% of new loans in Q2, while retail loans contributed only about 4% [7]. - The overall credit issuance by listed banks is expected to outperform the national average, maintaining a stable year-on-year growth [7].