证券代码：601128 证券简称：常熟银行 公告编号：2025-013 江苏常熟农村商业银行股份有限公司 关于召开 2024 年年度股东大会的通知 (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 4 月 25 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 (五)网络投票的系统、起止日期和投票时间。 股东大会召开日期：2025年4月25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 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 2024 年年度股东大会 (二)股东大会召集人：董事会 二、会议审议事项 本次股东大会审议议案及投票股东类型 | 序号 | 议案名称 | 投票股东类型 | | --- | --- | --- | | | | A 股股东 | | ...

证券代码：601128 证券简称：常熟银行 公告编号：2025-012 （一）2024 年度监事会工作报告 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。 重要内容提示： 钱晓锋监事因公务原因未能亲自出席本次监事会，委托沈梅监事代为出 席并表决。 一、监事会会议召开情况 本行第八届监事会第七次会议于 2025 年 3 月 27 日以现场会议方式召开，会 议通知及会议文件已于 2025 年 3 月 17 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 5 人，钱晓锋监事因公务原因未能亲自出 席会议，委托沈梅监事代为出席并表决。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 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。 （二）2025 年度监事会及各专门委员会工作计划 同意 6 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 第八届监事会第七次会议决议公告 同意 6 ...

证券代码：601128 证券简称：常熟银行 公告编号：2025-007 江苏常熟农村商业银行股份有限公司 第八届董事会第十次会议决议公告 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。 一、董事会会议召开情况 本行第八届董事会第十次会议于 2025 年 3 月 27 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 3 月 17 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 13 人。部分监事和高管列席了会议，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）2024 年度董事会工作报告 同意 13 票，反对 0 票，弃权 0 票。 本议案尚需提交股东大会审议。 （二）2024 年年度报告及摘要 同意 13 票，反对 0 票，弃权 0 票。 具体内容详见本行同日披露在上海证券交易所网站的《常熟银行 2024 年年 度报告》和《常熟银行 2024 年年度报告摘要》。 本议案已经本行第八届董事会审计 ...

Financial Performance - In 2024, the group achieved double-digit growth in both revenue and net profit, reflecting strong operational performance [28]. - The company reported operating income of CNY 10,909,242 thousand, an increase of 10.53% compared to CNY 9,870,291 thousand in 2023 [39]. - The net profit attributable to shareholders reached CNY 3,813,258 thousand, reflecting a growth of 16.20% from CNY 3,281,502 thousand in the previous year [39]. - The total assets of the company increased to CNY 366,581,851 thousand, marking a 9.61% rise from CNY 334,456,430 thousand in 2023 [40]. - The total deposits amounted to CNY 286,545,820 thousand, up from CNY 247,938,809 thousand in 2023, indicating a significant growth in customer deposits [40]. - The company achieved a basic earnings per share of CNY 1.26, which is a 15.60% increase from CNY 1.09 in 2023 [41]. - The net cash flow from operating activities for 2024 was CNY 18,158,774 thousand, an increase of 10.93% from CNY 16,369,456 thousand in 2023 [39]. - The group achieved operating revenue of 10.91 billion RMB, an increase of 10.53% year-on-year [90]. - Net profit attributable to shareholders reached 3.81 billion RMB, reflecting a growth of 16.20% [90]. - Total assets amounted to 366.58 billion RMB, up by 9.61% [88]. - Total deposits increased to 286.55 billion RMB, a rise of 15.57% [88]. - Total loans reached 240.86 billion RMB, growing by 8.28%, with personal loans accounting for 56.03% of total loans [88]. Customer Base and Engagement - The bank serves 560,000 credit customers and 4.25 million AUM customers, demonstrating its extensive customer base [29]. - Online operations have connected with 3.05 million active customers, enhancing customer engagement through live streaming and short videos [29]. - The bank emphasizes its commitment to rural revitalization and supporting small and micro enterprises, reinforcing its role in local economic development [28]. - The company served over 1.5 million small and micro loan clients, maintaining a non-performing loan ratio below 1% [62]. - The bank's ticket discount volume exceeded CNY 100 billion for the first time, with over 6,000 corporate clients served, marking a 22% year-on-year growth [74]. - The online channels, including mobile banking and social media, have attracted over 3 million followers across all accounts [83]. Digital Transformation and Innovation - The bank is embracing AI and accelerating digital transformation to enhance its service offerings and operational efficiency [30]. - The bank has adopted an innovative approach to tackle challenges posed by narrowing net interest margins and asset quality pressures [30]. - The company is advancing its digital transformation and ecological strategy, focusing on wealth management and online operations to capture new growth opportunities [64]. - The bank is actively exploring the "village-to-branch" model to support rural industry development and small micro-enterprises [68]. - The company has implemented AI technologies in various applications, enhancing marketing, risk control, and internal process optimization [85]. - The bank has developed a digital risk management system to enhance monitoring and management of operational risks, including employee behavior [192]. Risk Management and Compliance - The bank has strengthened credit risk management by optimizing the risk preference limit system and implementing differentiated credit policies for various industries and regions [182]. - The bank has improved asset quality monitoring and control, successfully managing overdue loans and enhancing risk identification capabilities [183]. - The bank's liquidity risk management includes proactive asset-liability management and regular stress testing to ensure compliance with liquidity ratios and coverage requirements [185]. - The bank has maintained a low level of market risk by strictly managing positions in interest rate-related financial products and conducting regular market risk assessments [187]. - The bank has implemented a comprehensive operational risk management framework, focusing on compliance and monitoring in key business areas [192]. - The bank has enhanced anti-money laundering (AML) measures by utilizing machine learning technology to optimize suspicious transaction monitoring models [196]. - The bank has established a customer information governance system to ensure the completeness and accuracy of client data, enabling early detection and remediation of issues [196]. - The compliance management organization system includes the board of directors, supervisory board, senior management, and all employees, ensuring a comprehensive compliance approach [194]. Capital and Asset Management - The net capital of the group increased to RMB 37,633,184 thousand as of December 31, 2024, up from RMB 35,107,322 thousand in 2023, representing a growth of 7.2% [47]. - The core tier 1 capital adequacy ratio improved to 11.18% in 2024 from 10.42% in 2023, indicating a stronger capital position [47]. - The leverage ratio increased to 6.91% in 2024, compared to 6.51% in 2023, reflecting enhanced capital efficiency [50]. - The liquidity coverage ratio stood at 225.65% as of December 31, 2024, significantly above the regulatory requirement, indicating strong liquidity management [52]. - The total risk-weighted assets increased to RMB 265,162,074 thousand in 2024 from RMB 253,294,281 thousand in 2023, reflecting growth in the asset base [47]. - The total amount of financial guarantees increased to CNY 38,399,107 thousand in 2024 from CNY 32,651,515 thousand in 2023 [163]. Growth and Expansion Strategies - The company plans to continue expanding its footprint across six provinces, focusing on rural revitalization and financial inclusion [39]. - The company has established Jiangsu's first "village-to-branch" bank and implemented the first "four-in-one" model in Hubei, showcasing its innovative approach to rural banking [39]. - The company completed the acquisition and integration of five external village banks since 2022, enhancing its market competitiveness [79]. - The company established 24 growth centers focusing on innovative and growth-oriented businesses to explore new revenue paths [82]. - The company aims to enhance its wealth management business by creating a diversified product matrix and a professional asset allocation and risk management system [67]. - The total scale of the company's wealth management products reached 30.519 billion yuan by the end of 2024, all of which are non-principal guaranteed, net value-based products [178].

证券代码：601128 证券简称：常熟银行 公告编号：2025-008 江苏常熟农村商业银行股份有限公司 2024 年年度利润分配及公积金转增股本方案公告 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。 一、利润分配方案内容 （一）利润分配方案的具体内容 截至2024年12月31日，母公司期末未分配利润为9,920,410千元。经董事会 决议，本行2024年年度拟以实施权益分派股权登记日登记的总股本为基数分配利 润及转增股本。本次利润分配、公积金转增股本方案如下： 1.提取法定盈余公积。根据《中华人民共和国公司法》的规定，按当年税后 利润的10%提取法定盈余公积金349,886千元。 2.提取一般风险准备。根据财政部《金融企业准备金计提管理办法》以及江 苏省农村信用社联合社的相关要求，按当年税后利润的20%提取一般风险准备 699,772千元。 1 重要内容提示： 每股分配比例，每股转增比例 每股派发现金红利0.25元（含税），以资本公积每股转增0.1股。 本次利润分配及资 ...

Financial Performance - The company reported a basic earnings per share of 1.26 yuan for 2024, an increase of 15.6% compared to 1.09 yuan in 2023 [1] - The total revenue for 2024 was 10.909 billion yuan, reflecting a growth of 10.53% from 9.87 billion yuan in 2023 [1] - The net profit for 2024 reached 3.813 billion yuan, up 16.18% from 3.282 billion yuan in 2023 [1] - The net asset return rate for 2023 was 13.69%, with no data available for 2024 [1] Shareholder Structure - The top ten unrestricted shareholders collectively hold 92,085.22 million shares, accounting for 30.53% of the circulating shares, a decrease of 1,074.60 million shares from the previous period [1] - The largest shareholder is Bank of Communications with 27,158.64 million shares, representing 9.01% of the total share capital, remaining unchanged [2] - New entrants among the top shareholders include a securities investment fund holding 4,284.40 million shares and Guohua Life Insurance with 3,704.72 million shares [2] Dividend Distribution - The company announced a dividend distribution plan of 10 shares for every 1 share held, along with a cash dividend of 2.50 yuan (including tax) [1]

行业周报 全国两会召开,宏观政策更加积极有为 银行业周报 (2025.03.03-2025.03.09) 2025年3月9日 核心观点 银行业 | 维持 | | --- | | 推荐 | 分析师 张一纬 ☎：010-8092-7617 z:zhangyiwei_yj@chinastock.com.cn 分析师登记编码：S0130519010001 研究助理 袁世麟 网: yuanshilin_yj@chinastock.com.cn 相对沪深 300 表现图 2025-03-07 资料来源:ifind. 中国银河证券研究院 相关研究 www.chinastock.com.cn 证券研究报告 请务必阅读正文最后的中国银河证券股份有限公司免责声明 银行板块表现弱于市场:本周沪深 300 指数上涨 1.39%,银行板块上涨 ● 1.13%。国有行、股份行、城商行、农商行分别-0.47%、+2.19%、+1.27%、 -0.11%。个股方面,齐鲁银行（+4.65%）、招商银行(+3.61%)、兴业银行 (+2.94%)、苏州银行(+2.54%)、杭州银行(+2.43%)涨幅居前。截至 3 月 7 日,银行板块 PB ...

Investment Rating - The report maintains a "Recommended" rating for the banking sector, highlighting its configuration value amidst supportive monetary policies and fiscal measures [5][30]. Core Insights - The banking sector has shown resilience, with the banking index declining only 0.36% compared to a 2.22% drop in the Shanghai and Shenzhen 300 index, indicating better performance relative to the market [5][10]. - The issuance quota for interbank certificates of deposit (CDs) has significantly increased, with a 46.26% rise among major state-owned banks and a 20.3% increase among listed joint-stock banks compared to the previous year, reflecting potential pressures on deposit growth [5][8]. - Financial support for private enterprises is expected to strengthen, with initiatives aimed at increasing credit availability and reducing financing costs, including a commitment from major banks to provide substantial funding to private enterprises over the next three years [9][30]. Summary by Sections Latest Research Insights - The report emphasizes the substantial increase in the 2025 interbank CD issuance quotas, with 264 banks announcing plans, indicating a response to deposit growth pressures, particularly among state-owned banks [8][9]. - A meeting held by the central bank and other departments focused on enhancing financial support for private enterprises, with measures to increase credit and lower financing costs [9][30]. Market Performance - The banking sector outperformed the broader market, with specific banks like CITIC Bank and Qilu Bank showing notable gains of 4.23% and 2.73%, respectively [5][10]. - The banking sector's price-to-book (PB) ratio stands at 0.65, with a dividend yield of 6.53%, indicating attractive valuation compared to the overall market [19][30]. Investment Recommendations - The report suggests that the increase in interbank CD quotas will help address short-term liquidity needs and support credit growth, particularly for private enterprises [30]. - Recommended stocks include Industrial and Commercial Bank of China (601398), China Construction Bank (601939), Postal Savings Bank of China (601658), Jiangsu Bank (600919), and Changshu Bank (601128) [30].

证券代码：601128 证券简称：常熟银行 公告编号：2025-005 江苏常熟农村商业银行股份有限公司 2025年第一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 2 月 26 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 | 726 | | --- | --- | | 2、出席会议的股东所持有表决权的股份总数（股） | 1,384,811,435 | | 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 | 45.9309 | | 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 年第一次临时股东大会 之 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 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 二〇二五年二月 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 年第一次临时股东大会 之 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 年第一次临时股东大会（以下简称"本次股东大会"）。 本所律师根据《中华人民共和国公司法》（以下简称"《公司法》"）、《上 市公司股东大会规则》等相关法律、 ...