证券代码：601128 证券简称：常熟银行 公告编号：2023-029 江苏常熟农村商业银行股份有限公司 第七届董事会第十八次会议决议公告 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： 范径武独董因公务原因未能亲自出席会议，委托周月书独董代为出席并 表决。 本行第七届董事会第十八次会议于 2023 年 8 月 24 日以现场会议方式召开， 会议通知及会议文件已于 2023 年 8 月 14 日发出。会议由庄广强董事长主持，会 议应到董事 13 人，实到董事 12 人，范径武独董因公务原因未能亲自出席会议， 委托周月书独董代为出席并表决。全体监事和部分高管列席了会议，会议符合《公 司法》等法律法规及本行《章程》的有关规定。 会议审议并通过了如下议案： 增补委员：周月书 同意 13 票，反对 0 票，弃权 0 票。 2.风险管理与关联交易控制委员会 增补委员：庞凌、范径武、周月书 主任委员：庞凌 同意 13 票，反对 0 票，弃权 0 票。 3.审计与消费者权 ...

江苏常熟农村商业银行股份有限公司独立董事 关于续聘会计师事务所的事前认可意见 范径武 独立董事签字(签署日期:二〇二三年八月二十四日): 蔡则祥 周月书 我们作为江苏常熟农村商业银行股份有限公司（以下简称"本行"）的独立 董事，基于独立客观的立场，本着审慎负责的态度，就续聘会计师事务所发表如 下事前认可意见： 经核查，德勤华永具有从事上市公司审计工作的丰富经验和职业素养，能够 满足本行2023年度财务和内控审计工作要求，我们同意按照公司治理相关程序， 将该议案提交董事会审议。 (以下无正文,为《江苏常熟农村商业银行股份有限公司独立董事关于续聘会计 师事务所的事前认可意见》签字页) 庞凌 周梅 e comments of the state ...

证券代码：601128 证券简称：常熟银行 公告编号：2023-033 江苏常熟农村商业银行股份有限公司 关于召开 2023 年第一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 2023 年第一次临时股东大会 (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：2023 年 9 月 12 日 9 点 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。 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公司自律监管指引第 1 号 — 规范运作》等有 关规定执行。 (七)涉及公开征集股东投票权 不适用 二、会议审议事项 本次股东大会审议议案及投票股东类型 股东大会召开日期：2023 ...

证券代码：601128 证券简称：常熟银行 公告编号：2023-031 | 序号 | 原《章程》条款 | 修改后《章程》条款 | 修改依据 | | --- | --- | --- | --- | | | 第一百二十八条 董事会行使下列职 | 第一百二十八条 董事会行使下列职 | 根据省联社《"三重一 | | | 权： | 权： | | | | ... | ... | 大"决策制度实施办 | | 1 | | | 法分层分类管理与指 | | | （十六）审议决定单笔 1000 万元以 | （十六）审议决定单笔2000万元以上 | 导意见》，结合本行实 | | | 上大宗物资（设备）、服务采购方案等 | 大宗物资（设备）、服务采购方案等费 | | | | 费用支出； | 用支出； | 际进行修订。 | | | 第一百三十三条 董事会运用本行资 | 第一百三十三条 董事会运用本行资 | | | | 产进行股权投资或对本行资产进行购 | 产进行股权投资或对本行资产进行购 | | | | 置或处置事项的权限由股东大会决 | 置或处置事项的权限由股东大会决 | | | | 定，董事会应当就其行使上述权限建 | 定，董事会应 ...

江苏常熟农村商业银行股份有限公司 独立董事关于相关事项的独立意见 根据《公司法》、中国银监会《商业银行公司治理指引》、中国证监会《上市公 司独立董事规则》、上海证券交易所《股票上市规则》及公司《章程》的规定，我 们作为公司的独立董事，对公司第七届董事会第十八次会议审议的相关事项发表独 立意见如下： 本次《公司章程》修订符合《证券法》等相关法律、法规和规范性文件的要求， 符合公司实际情况。本次修订有利于进一步完善公司法人治理结构，有利于保护投 资者的合法权益。 我们同意本次《公司章程》修订，并同意将该议案提交股东大会审议。 三、关于修订《董事、监事薪酬管理办法》 本次《董事、监事薪酬管理办法》修订符合《商业银行稳健薪酬监管指引》等 规定，符合公司实际情况，不存在损害公司及全体股东，特别是中小投资者利益的 情形。 我们同意本次《董事、监事薪酬管理办法》修订，并同意将该议案提交股东大 会审议。 (以下无正文,为《江苏常熟农村商业银行股份有限公司独立董事关于相关事项的 独立意见》签字页) 独立董事签字(签署日期:二〇二三年八月二十四日): 一、关于续聘会计师事务所的独立意见 德勤华永具备会计师事务所执业证书，具有多年 ...

证券代码：601128 证券简称：常熟银行 公告编号：2023-032 江苏常熟农村商业银行股份有限公司 第七届监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"）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。 本行第七届监事会第十三次会议于 2023 年 8 月 24 日以现场会议方式召开， 会议通知及会议文件已于 2023 年 8 月 14 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。 会议审议并通过了如下议案： 一、2023 年半年度报告及摘要审核意见 同意 6 票，反对 0 票，弃权 0 票。 监事会出具如下审核意见： （3）在提出本项意见前，未发现参与本行《2023 年半年度报告及摘要》编 制和审议的人员有违反保密规定的行为。 二、2023 年上半年董事会合规职责履行评价报告 同意 6 票，反对 0 票，弃权 0 票。 三、2023 上半年经营层合规职责履行评价报告 同意 6 票，反对 0 ...

Financial Performance - Total operating income for Q1 2023 reached CNY 2,410,203 thousand, an increase of 13.28% year-over-year[4] - Net profit attributable to shareholders was CNY 794,880 thousand, reflecting a growth of 20.60% compared to the same period last year[4] - Net interest income rose to 2,174,208, up from 1,847,217, reflecting a growth of 17.7% year-over-year[21] - Net profit for Q1 2023 was 858,150, representing a 20.7% increase from 711,255 in Q1 2022[21] - Total operating revenue for Q1 2023 reached 2,410,203, an increase of 13.3% compared to 2,127,578 in Q1 2022[21] Cash Flow and Liquidity - Net cash flow from operating activities surged to CNY 13,112,003 thousand, marking a significant increase of 50.69% year-over-year[4] - Net cash flow from operating activities was $13,112,003, up from $8,701,183 year-over-year[24] - Total cash inflow from investment activities was $14,328,384, compared to $11,337,548 in the same quarter last year[24] - Net cash flow from investment activities was -$10,054,332, slightly improved from -$10,155,728 year-over-year[24] - Cash inflow from financing activities was $3,272,001, down from $7,027,640 in the previous year[24] - Net cash flow from financing activities was -$4,158,966, compared to a positive $53,677 in the same quarter last year[24] - Total cash and cash equivalents at the end of the period was $10,467,173, an increase from $9,610,067 year-over-year[24] Assets and Liabilities - Total assets as of March 31, 2023, amounted to CNY 287,881,374 thousand, up by 10.10% from the end of the previous year[4] - Total assets increased to 316,966,239, up from 287,881,374, marking a growth of 10.1%[20] - Total liabilities rose to 291,953,641, compared to 263,765,708, indicating an increase of 10.7%[20] Shareholder Information - The total number of common shareholders at the end of the reporting period is 38,478, with the top ten shareholders holding a combined 9.01% of shares[14] - The largest shareholder, Bank of Communications Co., Ltd., holds 246,896,692 shares, representing 9.01% of total shares[14] - The second-largest shareholder, Hong Kong Central Clearing Limited, holds 117,503,212 shares, accounting for 4.29%[14] - The third-largest shareholder, Changshu Development Investment Co., Ltd., holds 84,431,888 shares, which is 3.08% of total shares[14] - The shareholder structure includes a significant presence of state-owned enterprises, reflecting a stable ownership base[14] Investor Relations - The company engaged in multiple investor communication events, including 22 institutions participating in a conference call on January 16, 2023[17] - A total of 54 institutions participated in a conference call on March 28, 2023, indicating strong investor interest[18] - The company has conducted various meetings and calls with financial institutions, demonstrating proactive investor relations efforts[17] - The company has maintained a transparent communication strategy with investors, holding multiple meetings and calls throughout the reporting period[17] Risk and Capital Management - The bank's non-performing loan ratio improved to 0.75%, down from 0.81% at the end of 2022[10] - The bank's capital adequacy ratio stood at 13.29% as of March 31, 2023, down from 13.87% at the end of 2022[11] - The liquidity coverage ratio was reported at 181.69%, indicating strong liquidity position[11] Other Financial Metrics - The weighted average return on equity rose to 13.83%, an increase of 0.78 percentage points year-over-year[4] - Customer deposits and interbank deposits net increase amounted to 29,196,419, up from 19,403,948 in the previous year[23] - The net increase in customer loans and advances was 11,603,349, compared to 10,318,759 in Q1 2022[23] - The company reported a basic earnings per share of 0.29, compared to 0.24 in the same quarter last year[22] - Other comprehensive income after tax was 38,698, down from 161,447 in the previous year[22] - The total equity attributable to shareholders reached 23,411,235, an increase from 22,577,573[20] - Cash paid for interest, fees, and commissions was $2,749,301, compared to $2,664,725 in the previous year[24] - Cash paid to employees was $554,388, down from $738,067 year-over-year[24] - Cash paid for taxes was $300,824, an increase from $168,565 in the previous year[24]

证券代码：601128 证券简称：常熟银行 公告编号：2023-008 江苏常熟农村商业银行股份有限公司 关于召开 2022 年度业绩说明会的公告 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。 重要内容提示： 会议召开时间：2023 年 04 月 04 日（星期二）15:00-16:30 会议召开地点：上海证券交易所上证路演中心（网址： http://roadshow.sseinfo.com/） 会议召开方式：上证路演中心视频录播和网络互动 投资者可于 2023 年 03 月 28 日(星期二)至 04 月 03 日(星期一)16:00 前 登录上证路演中心网站首页点击"提问预征集"栏目或通过本行投资者关系邮箱： 601128@csrcbank.com 进行提问。本行将在 2022 年度业绩说明会（以下简称"业 绩说明会"）上对投资者普遍关注的问题进行回答。 （三）会议召开方式：上证路演中心视频录播和网络互动 三、参加人员 本行行长薛文先生、副行长兼财务总监尹宪柱先生、董 ...

Financial Performance - In 2022, the company's revenue increased by 15.07% to CNY 8,808,734,000, and net profit attributable to shareholders rose by 25.39% to CNY 2,743,731,000[23]. - The total assets reached CNY 287,881,374,000, marking a 16.75% increase from the previous year[24]. - The total deposits amounted to CNY 213,445,361,000, reflecting a growth of 16.81% year-on-year[24]. - The total loan amount reached CNY 193,433,049,000, with corporate loans at CNY 68,841,847,000, showing an 18.82% increase[25]. - The basic earnings per share increased by 25% to CNY 1.00[26]. - The weighted average return on equity improved by 1.44 percentage points to 13.06%[26]. - The company achieved operating income of 8.81 billion RMB, an increase of 1.15 billion RMB, or 15.07% year-on-year[47]. - Net profit attributable to shareholders reached 2.74 billion RMB, up by 556 million RMB, or 25.39% year-on-year[47]. - The net interest margin decreased to 2.88% in 2022 from 2.95% in 2021[11]. - The liquidity coverage ratio was 196.86% as of December 31, 2022, indicating strong liquidity position[34]. Risk Management - The company emphasizes the importance of risk management, identifying credit, market, liquidity, and operational risks as key areas of focus[8]. - The company has implemented measures to effectively manage and control various risks encountered in its operations[8]. - The non-performing loan ratio remained stable at 0.81% in 2022, unchanged from 2021[11]. - The provision coverage ratio improved to 536.77% in 2022, indicating strong asset quality management[11]. - The bank has strengthened credit risk management by optimizing the risk preference limit system and implementing differentiated credit policies for various industries and regions[126]. - The bank has implemented a comprehensive risk management framework for interest rate risk, ensuring stable net interest income and economic value[129]. Customer Engagement and Service - The company reported a strong customer engagement, with high foot traffic in its branches during both restricted and unrestricted periods[13]. - The company plans to maintain a return on equity (ROE) of about 13.5% and a stable cost-to-income ratio[145]. - The company is committed to expanding inclusive financial services and enhancing customer engagement through digitalization and ecological construction[144]. - The bank's retail business launched the "Star Benefit Loan" and "Star Mortgage Loan" products, achieving 23,000 active accounts with a total balance of 3.422 billion yuan[140]. - User retention rates improved to 85%, indicating strong customer loyalty and satisfaction[180]. Digital Transformation - The company has implemented a digital transformation strategy, significantly improving transaction processing capacity by 46 times[43]. - The company is focusing on digital transformation and has launched several integrated financial service platforms[142]. - The bank's digital transformation for small and micro businesses includes the development of a command system and mobile approval features, saving 20 minutes per transaction[140]. - The company has invested in green finance products to support the low-carbon transition of the real economy, aligning with environmental, social, and governance (ESG) requirements[157]. Organizational Development - The company trained over 40,000 employees in 2022, emphasizing organizational transformation and capability enhancement[23]. - The total number of employees in the parent company and major subsidiaries is 7,090, with 4,317 in the parent company and 2,773 in major subsidiaries[189]. - The company has established a sound and effective salary management mechanism to promote stable operations and sustainable development[191]. - The company launched a new training program for new managers and financial technology managers to enhance employee skills[195]. Strategic Initiatives - The company plans to expand its market presence by entering three new provinces in 2023, aiming for a 20% increase in market share[180]. - New product launches are expected to contribute an additional 500 million RMB in revenue in 2023, driven by innovative features and enhanced user experience[180]. - The company has allocated 200 million RMB for research and development in new technologies, focusing on digital banking solutions[180]. - The company has completed a strategic acquisition of a local fintech company, enhancing its technological capabilities and service offerings[182]. Community and Social Responsibility - Total donations and public welfare project investments amounted to CNY 8.7684 million, with CNY 6.8512 million allocated for poverty alleviation and assistance projects[158]. - The company is dedicated to creating a harmonious financial ecosystem through various financial literacy programs and community service initiatives[157]. Shareholder Information - The total number of common shareholders as of the end of the reporting period is 37,374, an increase from 34,730 at the end of the previous month[170]. - The top ten shareholders hold a total of 9.01% of shares, with the largest shareholder, Bank of Communications, holding 246,896,692 shares[171]. - The company has a total of 60 billion CNY in convertible bonds issued, with a listing date in October 2022[169].