律师：朱正形、吴奕炜 本次股东大会的召集、召开程序符合《公司法》等相关法律、法规、规范性 文件及《公司章程》的规定；出席本次股东大会人员的资格和召集人资格均合法 有效；表决程序、表决结果符合《公司法》等相关法律、法规、规范性文件及《公 司章程》的规定，合法有效。 特此公告。 江苏常熟农村商业银行股份有限公司董事会 | 证券代码：601128 证券简称：常熟银行 公告编号：2025-029 | | | | | | | | --- | --- | --- | --- | --- | --- | --- | | 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"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 | | | | | | | ...

Core Points - Jiangsu Changshu Rural Commercial Bank has opened three new branches in Nanjing, Suqian, and Yangzhou following the absorption of three village banks [1][2] - The opening of these branches expands the bank's development footprint in Jiangsu province [1] - The bank aims to enhance its agricultural and small business support missions through differentiated financial services [2] Summary by Sections - **Branch Openings** - The bank has officially opened new branches in Nanjing Jiangning, Suqian Sucheng, and Yangzhou Baoying after receiving regulatory approval for the absorption of three village banks [1] - **Strategic Goals** - The new branches are part of the bank's strategy to deepen its market presence in Nanjing and optimize its network layout in Yangzhou and Suqian [2] - The bank is committed to providing more business momentum for sustainable development and contributing to the high-quality development of Jiangsu [2]

江苏常熟农村商业银行股份有限公司关于 南京江宁支行、宿迁宿城支行、扬州宝应支行开业的公告 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。 证券代码：601128 证券简称：常熟银行 公告编号：2025-028 本行于 2025 年 2 月 26 日召开 2025 年第一次临时股东大会，审议通过关于 《吸收合并江苏江宁上银村镇银行股份有限公司并设立分支机构》《吸收合并宿 迁宿城兴福村镇银行有限责任公司并设立分支机构》《吸收合并江苏宝应锦程村 镇银行股份有限公司并设立分支机构》的议案，并于 2025 年 6 月 26 日收到同意 吸收合并上述三家村镇银行的监管批复。近日，吸收合并后新设立的南京江宁支 行、宿迁宿城支行、扬州宝应支行相继揭牌开业。 上述三家新机构的开业，进一步打开了本行在江苏区域内的发展版图。下一 步，本行将强化支农支小使命担当，依托"常银微金""常银微科创"等差异化、 特色化的金融服务，全力做深做透南京市场。同时，进一步优化在扬州、宿迁两 市的网点布局，更好地强 ...

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 年第二次临时股东大会 之 法律意见书 國浩律師事務所 GRANDALL LAW FIRM 苏州工业园区 旺墩路 269 号圆融星座商务广场 1 幢 28 楼 邮编: 215028 28/F, Tower 1, Harmony City, No.269 Wangdun Road, SIP, Suzhou 215028 电话/Tel: (86-512) 62720177 传真/Fax: (86-512) 62720199 网址/Website: http://www.grandall.com.cn 法律意见书 致:江苏常熟农村商业银行股份有限公司 国浩律师(苏州)事务所(以下简称"本所")接受江苏常熟农村商业银行 股份有限公司(以下简称"公司")的委托,指派本所律师出席并见证了公司 2025 年第二次临时股东大会(以下简称"本次股东大会")。 二〇二五年六月 国浩律师(苏州)事务所 法律意见书 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 年第二次临时股东大会 之 本所律师根据《中华人民共和国公司法》(以下简称 ...

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 6 月 30 日 证券代码：601128 证券简称：常熟银行 公告编号：2025-029 江苏常熟农村商业银行股份有限公司 2025年第二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。 (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 | 777 | | --- | --- | | 2、出席会议的股东所持有表决权的股份总数（股） | 1,422,808,260 | | 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 | 42.9010 | | 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 ...

Core Insights - Consumer spending is becoming a key driver of economic growth, with financial institutions playing a crucial role in stimulating domestic demand through targeted support policies [1] Group 1: Product Offerings - The bank has developed a comprehensive product system that combines online and offline offerings to meet diverse consumer needs, including a classic "personal consumption loan" and an innovative online "Xinghui Loan" with a credit limit of up to 500,000 yuan and a 5-year term [2] - The introduction of the "Qingcai Loan" mortgage product aims to alleviate the initial financial burden on young talent purchasing homes, offering flexible repayment options with a minimum principal repayment of 1% in the first five years [3] Group 2: Creative Services and Consumer Ecosystem - The bank is focusing on niche customer needs by creating a scenario-based rights system, such as the "Car Owner Card" that integrates benefits for fuel, car washes, and charging, and the "Feiyan Pet Card" targeting pet owners with shopping discounts and medical installment plans [4] - The bank is enhancing collaboration with enterprises to deepen the penetration of scenario finance by developing exclusive credit policies for employees and conducting group signing events [4] Group 3: Promotional Activities - The bank is implementing various promotional activities to stimulate consumer enthusiasm, including a "50% off storm" campaign in partnership with major brands, covering over 100,000 stores nationwide [5] - Additional initiatives include online promotions for home appliance upgrades and travel, as well as direct customer subsidies for new energy vehicle purchases, with a maximum subsidy of 15,000 yuan [5]

Group 1 - The core viewpoint of the articles highlights the proactive measures taken by Changshu Rural Commercial Bank to support small and micro enterprises through the utilization of municipal refinancing funds, effectively alleviating their financial challenges and boosting local economic development [1][2] - Changshu Rural Commercial Bank has established a new refinancing business model that combines policy support, standardized processes, and efficient services, aiming to provide financial assistance to eligible enterprises with a maximum single loan of 50 million yuan and a low interest rate of 0.03% per day [1] - The bank has optimized its internal processes to enhance efficiency in loan processing, ensuring that eligible enterprises can receive timely financial support, which is crucial for their operational continuity [1][2] Group 2 - A specific case is presented of a small micro enterprise in the supermarket shelf production sector that faced severe cash flow issues due to extended accounts receivable periods and rising operational costs, totaling over 6 million yuan in receivables [2] - The bank successfully facilitated the refinancing process for this enterprise in just five days, demonstrating its commitment to providing rapid financial solutions to support ongoing business operations [2] - Moving forward, Changshu Rural Commercial Bank plans to further develop its refinancing services by simplifying procedures and reducing approval times, aiming to provide stable and efficient financial support to a larger number of small and micro enterprises [2]

Core Viewpoint - The banking industry is experiencing a significant salary reduction trend, particularly affecting high-level executives, with a notable increase in the number of banks reporting salary cuts and the extent of these reductions [2][3][5]. Group 1: Salary Reduction Trends - In 2023, 14 out of 42 listed banks in A-shares reported a decline in average salary, with the maximum drop reaching 13.59%. This number increased to 18 banks in 2024, with the maximum decline expanding to 15% [2]. - The total compensation for bank management decreased from 870 million yuan in 2023 to 700 million yuan in 2024, a drop of 19.5%. Meanwhile, the average salary for bank employees fell from 462,300 yuan to 444,900 yuan, a decrease of 2.68% [6][7]. Group 2: Executive Salary Cuts - A significant 78.5% of the management teams in listed banks saw their salaries decrease year-on-year in 2024. The average salary for executives in various banks has been notably impacted, with some banks experiencing drastic reductions [5][10]. - Specific banks like Everbright Bank and Zhejiang Commercial Bank saw executive salary reductions of 57.9% and 39.72%, respectively, indicating a trend where executive pay is being cut more severely than that of general employees [10]. Group 3: Factors Influencing Salary Changes - The primary driver of salary fluctuations in banks is the variable component of compensation, which is heavily influenced by the banks' revenue and profit conditions. The floating salary constitutes 65% of the total compensation, making it a critical factor [12][13]. - The banking sector is facing significant revenue pressures, with the average net interest margin dropping to 1.52% in 2024, a decline of 17 basis points from 2023. This has led to a 2.20% decrease in net interest income, marking two consecutive years of negative growth [14][15]. Group 4: Structural Adjustments and Policy Impacts - The banking industry is undergoing structural adjustments, with a focus on risk management and governance. Policies such as the "salary limit order" have imposed constraints on executive compensation, leading to a shift in how salaries are structured [16][17]. - The emphasis on "cost reduction and efficiency enhancement" has resulted in banks prioritizing compensation for frontline and value-creating positions, further contributing to the decline in executive salaries [18][17]. Group 5: Performance-Based Salary Recovery - The trend of "reverse salary recovery" has emerged, where banks reclaim performance bonuses from executives based on risk management failures. This practice aims to align compensation with long-term risk management rather than short-term performance [20][21]. - The total amount reclaimed through reverse salary recovery has approached 99 million yuan, indicating a significant shift in the banking industry's approach to executive compensation and risk management [20].

Core Insights - The key to the competition between microfinance and large banks is further penetration and credit assessment, while the competition with internet institutions relies on offline personnel to ensure loan authenticity [1] - Changshu Bank has emerged as a benchmark in microfinance, concentrating 70% of its workforce on this sector, growing its microfinance team from an initial 10 to over 2,000 professionals [1][7] - The unique talent cultivation mechanism at Changshu Bank, which integrates recruitment, training, assessment, and incentives, is closely linked to its microfinance strategy [1][7] Recruitment and Talent Selection - Emphasis on moral character and learning ability during recruitment helps ensure alignment with microfinance principles and reduces moral risks [2] - Changshu Bank prioritizes candidates with strong moral character to mitigate risks associated with data manipulation and collusion [2] - The bank values learning ability over high academic qualifications, with 70% of new hires being recent graduates, fostering a culture of innovation within the microfinance team [2] Training and Development - Establishment of an internal trainer selection and experience transmission mechanism encourages participation and knowledge sharing among employees [3] - The bank promotes a culture of internal training, with 545 internal trainers and 971 hours of training delivered by the end of 2024 [3] - A comprehensive training structure ensures all employees receive necessary training, including new employee orientation and specialized skill enhancement programs [4] Performance Assessment and Incentives - A distinct performance evaluation system links microfinance loan issuance to annual business goals, effectively guiding employee performance [5] - The bank has implemented strict behavioral standards to prevent moral hazards, including a zero-tolerance policy for unethical practices [6] - A due diligence exemption system is in place to protect employees who conduct thorough investigations, with 86% of recognized microfinance non-performing loans deemed compliant with due diligence standards [6]

证券代码：601128 证券简称：常熟银行 公告编号：2025-027 今日，本行收到《苏州金融监管分局关于唐志锋常熟农村商业银行董事任职 资格的批复》（苏州金复〔2025〕81号），核准唐志锋先生本行董事任职资格。 唐志锋先生的简历详见本行2025年3月28日刊载于上海证券交易所网站 （www.sse.com.cn）的《常熟银行第八届董事会第十次会议决议公告》（2025-007）。 特此公告。 江苏常熟农村商业银行股份有限公司董事会 2025年6月18日 江苏常熟农村商业银行股份有限公司 关于唐志锋先生董事任职资格获核准的公告 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。 ...