独立董事提名人声明与承诺 提名人上海农村商业银行股份有限公司（以下简称"上海农 商银行"）董事会，现提名储晓明为上海农商银行董事会独立董 事候选人，并已充分了解被提名人职业、学历、职称、详细的工 作经历、全部兼职、有无重大失信等不良记录等情况。被提名人 已同意出任上海农商银行董事会独立董事候选人（参见该独立董 事候选人声明）。提名人认为，被提名人具备独立董事任职资格， 与上海农商银行之间不存在任何影响其独立性的关系，具体声明 并承诺如下： 一、被提名人具备上市公司运作的基本知识，熟悉相关法律、 行政法规、规章及其他规范性文件，具有 5 年以上法律、经济、 会计、财务、管理或者其他履行独立董事职责所必需的工作经验。 被提名人已经参加培训并取得证券交易所认可的相关培训证明 材料。 二、被提名人任职资格符合下列法律、行政法规和部门规章 的要求： （一）《中华人民共和国公司法》关于董事任职资格的规定； （二）《中华人民共和国公务员法》关于公务员兼任职务的 规定（如适用）； （三）中国证监会《上市公司独立董事管理办法》、上海证 券交易所自律监管规则以及公司章程有关独立董事任职资格和 条件的相关规定； （四）中共中央纪委 ...

独立董事候选人声明与承诺 本人储晓明，已充分了解并同意由提名人上海农村商业银行 股份有限公司（以下简称"上海农商银行"）董事会提名为上海 农商银行董事会独立董事候选人。本人公开声明，本人具备独立 董事任职资格，保证不存在任何影响本人担任上海农商银行独立 董事独立性的关系，具体声明并承诺如下： 一、本人具备上市公司运作的基本知识，熟悉相关法律、行 政法规、部门规章及其他规范性文件，具有 5 年以上法律、经济、 会计、财务、管理或者其他履行独立董事职责所必需的工作经验。 本人已经参加培训并取得证券交易所认可的相关培训证明材料。 （一）《中华人民共和国公司法》关于董事任职资格的规定； 二、本人任职资格符合下列法律、行政法规和部门规章以及 公司规章的要求： （八）中国证监会《证券基金经营机构董事、监事、高级管 理人员及从业人员监督管理办法》等的相关规定（如适用）； （九）《银行业金融机构董事（理事）和高级管理人员任职 资格管理办法》《保险公司董事、监事和高级管理人员任职资格 管理规定》《保险机构独立董事管理办法》等的相关规定（如适 用）； （二）《中华人民共和国公务员法》关于公务员兼任职务的 规定（如适用）； （三） ...

上海农村商业银行股份有限公司 2025 年三季度第三支柱 信息披露报告 本行建立完善的信息披露治理结构，由董事会批准并由高级管理 层实施有效的内部控制流程，对信息披露内容进行合理审查，确保第 三支柱披露信息真实、可靠。2025 年 10 月 30 日，本行董事会 2025 年第八次会议审议通过了本报告。 本行根据国家金融监督管理总局 2023 年 11 月发布的《商业银行 资本管理办法》正文及附件的相关规定编制并披露本报告。 具体表单如下： 单位：人民币万元 a b c d e 2025 年 9 月 30 日 2025 年 6 月 30 日 2025 年 3 月 31 日 2024 年 12 月 31 日 2024 年 9 月 30 日 可用资本（数额） 1 核心一级资本净额 12,677,257.38 12,790,763.79 12,591,931.79 12,477,136.60 12,073,493.18 1a 核心一级资本净额（预期信 用损失足额计提） 12,677,257.38 12,790,763.79 12,591,931.79 12,477,136.60 12,073,493.18 2 一级 ...

Core Insights - Shanghai Rural Commercial Bank reported resilient growth in its Q3 2025 performance, maintaining asset quality and enhancing financial service efficiency [1][2] Financial Performance - As of September 30, total assets reached CNY 15,580.94 billion, a 4.72% increase from the end of the previous year [2] - Total loans and advances amounted to CNY 7,673.04 billion, up 1.60% year-on-year [2] - Total liabilities grew to CNY 14,278.82 billion, reflecting a 5.00% increase, with deposits rising to CNY 11,376.17 billion, a 6.11% growth [2] - Operating income for the period was CNY 198.31 billion, with non-interest income at CNY 53.70 billion, marking a 2.24% year-on-year increase [2] - Net profit attributable to shareholders was CNY 105.67 billion, a 0.78% increase compared to the previous year [2] Asset Quality - The non-performing loan ratio stood at 0.97%, consistently maintained below 1% since the bank's listing [2] - Provision coverage ratio was reported at 340.10%, indicating strong risk mitigation capacity [2] - Capital adequacy ratios were robust, with core Tier 1 capital ratio at 14.49%, Tier 1 capital ratio at 14.52%, and total capital ratio at 16.87% [2] Market Position and Recognition - The bank achieved the top rating in the GYROSCOPE evaluation for urban rural commercial banks for five consecutive years [1] - The bank's ESG rating was upgraded from A to AA by MSCI, positioning it as a leader in the global peer group [1] Shareholder Returns - The bank distributed a mid-term cash dividend of CNY 0.241 per share, totaling CNY 2.324 billion, representing a payout ratio of 33.14% [1] Customer Focus and Community Engagement - Corporate loans reached CNY 4,977.40 billion, with a 1.64% increase, while corporate deposits grew by 7.71% to CNY 5,196.02 billion [3] - Retail financial assets (AUM) increased by 5.80% to CNY 8,414.24 billion, and inclusive small and micro loans rose by 5.19% to CNY 911.00 billion [3] - The bank established 1,033 "Heart Home" public service stations and over 120 senior university teaching points, conducting more than 5,000 community activities [3]

证券代码：601825 证券简称：沪农商行 公告编号：2025-042 上海农村商业银行股份有限公司（以下简称"公司"）董事会 2025 年第八次会议以现场加远程视频电话接入方式于 2025 年 10 月 30 日在上海召开，会议通知及会议文件已于 2025 年 10 月 20 日以邮 件方式发出。本次会议应出席董事 14 人，亲自出席董事 14 人。会议 由徐力董事长主持，公司部分非董事高级管理人员列席会议。本次会 议符合《公司法》和《公司章程》关于召开董事会法定人数的规定， 表决所形成的决议合法、有效。 会议经审议并表决通过以下议案： 1、关于公司 2025 年第三季度报告的议案 上海农村商业银行股份有限公司 董事会 2025 年第八次会议决议公告 本公司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 担法律责任。 表决情况：同意 14 票，反对 0 票，弃权 0 票。 本议案已经公司董事会审计委员会审议通过，全体成员同意提交 董事会审议。 详见公司同日在上海证券交易所网站披露的《上海农村商业银行 股份有限公司 2025 年第三季度报告》。 ...

Financial Performance - The company reported operating income of RMB 6,387,313,000 for Q3 2025, a decrease of 2.73% year-on-year[5] - Total profit for the period was RMB 4,347,191,000, reflecting a growth of 1.05% compared to the same quarter last year[5] - Net profit attributable to shareholders was RMB 3,554,789,000, up 1.15% year-on-year[5] - The company achieved a net interest income of RMB 144.62 billion, down 5.05% year-on-year[24] - The net non-interest income was RMB 53.70 billion, showing a year-on-year increase of 2.24%[24] - The company’s basic earnings per share for Q3 2025 was RMB 0.37, unchanged from the previous quarter[5] - The group achieved a net profit attributable to shareholders of 10.567 billion yuan, a year-on-year increase of 0.78%[25] - Operating income for the period from January 1 to September 30, 2025, was CNY 19,831,464, a decrease of 3.2% compared to CNY 20,483,847 in the same period of 2024[62] - Net interest income decreased to CNY 14,461,780 from CNY 15,231,638, reflecting a decline of 5.0% year-over-year[62] - Net profit for the first nine months of 2025 was CNY 10,813,748, slightly up from CNY 10,714,547 in 2024, indicating a marginal increase of 0.9%[65] - The total profit for the period was CNY 12,999,372, a slight increase from CNY 12,926,693 in 2024, reflecting a growth of 0.6%[62] Assets and Liabilities - The total assets of the company reached RMB 1,558,094,380,000, representing a 4.72% increase from the end of 2024[6] - The total liabilities increased to RMB 1,427,881,706,000, marking a 5.00% rise compared to the previous year[6] - The bank's total liabilities reached RMB 1,427,881,706 thousand, up from RMB 1,359,827,664 thousand at the end of 2024, indicating a growth in liabilities[57] - The bank's total equity increased to RMB 130,212,674 thousand from RMB 127,981,831 thousand, reflecting a positive trend in shareholder equity[57] - Total assets reached 1,558.094 billion yuan, an increase of 70.285 billion yuan, or 4.72% year-on-year[25] Customer and Market Growth - Retail financial assets (AUM) amounted to 841.424 billion yuan, up 46.106 billion yuan, or 5.80% year-on-year[27] - The number of personal customers (excluding credit card customers) increased to 26.1719 million, a rise of 1.4397 million, or 5.82% year-on-year[27] - The bank's total deposits reached RMB 1,155,170,407 thousand, an increase from RMB 1,092,917,510 thousand, reflecting strong customer confidence[57] - The net increase in customer deposits and interbank and other financial institution deposits was CNY 59,770,860, compared to CNY 44,182,190 in the previous year, representing a growth of 35.4%[68] Loan and Credit Activities - The balance of personal loans (excluding credit cards) was 190.126 billion yuan, a decrease of 3.282 billion yuan, or 1.70% year-on-year[28] - The balance of inclusive small and micro loans was 91.1 billion yuan, an increase of 5.19% year-on-year[35] - The company's technology-oriented enterprise loan balance exceeded 120 billion RMB, with loans to small and medium-sized technology enterprises accounting for 81.06%[38] - The number of technology-oriented enterprise loan accounts increased by 384 to 4,662, representing an 8.98% growth compared to the previous year[38] - The company has provided credit services to 251 "specialized and innovative" small giant enterprises with a credit balance of 9.686 billion RMB[38] Financial Ratios and Coverage - The liquidity coverage ratio was reported at 196.36%, indicating strong liquidity position[23] - The non-performing loan ratio remained stable at 0.97% as of September 30, 2025[19] - The non-performing loan balance was 7.48 billion yuan, with a non-performing loan ratio of 0.97%, unchanged from the previous year[25] - The core Tier 1 capital adequacy ratio was 14.49%, meeting regulatory requirements[26] Environmental and Social Initiatives - The company established 1,033 "Heart Home" public service stations, conducting over 5,000 activities during the reporting period[29] - The company's green finance assets reached 99.35 billion RMB, with green loan balance growing by 3.31% to 64.36 billion RMB[41] - The issuance of 3-year green financial bonds totaled 4 billion RMB at an interest rate of 1.67%, aimed at funding green industry projects[41] - The company has supported 48 projects through carbon reduction support tools, leading to an annual carbon reduction of 96,704.72 tons[42] - The company established 12 specialized secondary branches for technology finance and 6 specialized teams during the reporting period[39] - The "Xindongneng" customer cultivation plan won the "Seventh Annual Outstanding Brand Case in the Financial Industry - Technology Finance Annual Case" award[40] Shareholder Information - The total number of ordinary shareholders reached 74,002 by the end of the reporting period[45] - For the first nine months of 2025, the bank distributed a cash dividend of RMB 0.241 per share, totaling RMB 23.24 billion, with a distribution ratio of 33.14%[50] Cash Flow Activities - Cash flow from operating activities for the first nine months of 2025 was CNY 21,698,052, down from CNY 30,920,069 in 2024, a decrease of 29.5%[68] - The net cash flow from investment activities was negative CNY 13,560,806, an improvement from negative CNY 17,689,044 in the same period last year[73] - The net cash flow from financing activities was CNY 3,911,480, compared to a negative CNY 5,019,290 in 2024, indicating a turnaround in financing activities[73]

上海农村商业银行股份有限公司 内幕信息知情人管理办法 第一章 总 则 第一章 总 则 第一条 为规范上海农村商业银行股份有限公司（以下简称"本 行"）内幕信息管理，加强内幕信息保密工作，维护信息披露的公平 原则，保护广大投资者的合法权益，根据《中华人民共和国证券法》 （中华人民共和国主席令第三十七号，以下简称"《证券法》"）、《上 市公司监管指引第 5 号——上市公司内幕信息知情人登记管理制度》 （证监会公告〔2025〕5 号）、《上海证券交易所股票上市规则》（上 交所发〔2025〕59 号）等法律、法规、规章及其他规范性文件，并 依据《上海农村商业银行股份有限公司章程》（沪农商行发〔2025〕 53 号，以下简称"本行章程"）、《上海农村商业银行股份有限公司信 息披露管理办法》等有关规定，结合本行实际，制定本办法。 第二条 本行董事会承担内幕信息管理责任，应当按照相关规则 要求及时登记和报送内幕信息知情人档案，并保证内幕信息知情人档 案真实、准确和完整，并按要求报送。董事长为主要责任人，董事会 秘书负责办理本行内幕信息知情人的登记入档和报送事宜。董事长与 1 第二章 内幕信息的定义及范围 第三章 内幕信息知 ...

Core Insights - The rural commercial bank sector experienced a slight increase of 0.03% on October 30, with Changshu Bank leading the gains [1] - The Shanghai Composite Index closed at 3986.9, down 0.73%, while the Shenzhen Component Index closed at 13532.13, down 1.16% [1] Stock Performance - Changshu Bank (601128) closed at 7.04, up 1.73% with a trading volume of 1,123,500 shares and a transaction value of 800 million yuan [1] - Other notable performances include: - Yunnan Rural Commercial Bank (601077) at 6.88, up 0.29% [1] - Wuxi Bank (600908) at 6.06, up 0.17% [1] - Jiangyin Bank (002807) at 4.79, down 0.21% [1] - Shanghai Rural Commercial Bank (601825) at 8.49, down 0.35% [1] Capital Flow - The rural commercial bank sector saw a net outflow of 21.47 million yuan from institutional investors, while retail investors contributed a net inflow of 18.53 million yuan [1] - Specific capital flows for selected banks include: - Jiangyin Bank (002807) with a net outflow of 29.87 million yuan from institutional investors [2] - Yunnan Rural Commercial Bank (601077) with a net inflow of 19.57 million yuan from institutional investors [2] - Shanghai Rural Commercial Bank (601825) with a significant net outflow of 23.35 million yuan from institutional investors [2]

Core Points - The rural commercial bank sector experienced a decline of 1.59% on October 29, with Jiangyin Bank leading the drop [1] - The Shanghai Composite Index closed at 4016.33, up 0.7%, while the Shenzhen Component Index closed at 13691.38, up 1.95% [1] Group 1: Stock Performance - Ruifeng Bank (601528) closed at 5.51 with no change in price [1] - Qingnong Commercial Bank (002958) closed at 3.21, down 0.93% [1] - Changshu Bank (601128) closed at 6.92, down 1.14% [1] - Sunong Bank (603323) closed at 5.17, down 1.34% [1] - Zijin Bank (601860) closed at 2.87, down 1.37% [1] - Yunnan Agricultural Commercial Bank (601077) closed at 6.86, down 1.44% [1] - Wuxi Bank (600908) closed at 6.05, down 1.47% [1] - Zhangjiagang Bank (002839) closed at 4.42, down 1.56% [1] - Shanghai Agricultural Commercial Bank (601825) closed at 8.52, down 2.07% [1] - Jiangyin Bank (002807) closed at 4.80, down 2.83% [1] Group 2: Capital Flow - The rural commercial bank sector saw a net inflow of 78.64 million yuan from main funds, while retail funds experienced a net outflow of 10.52 million yuan [2] - Speculative funds had a net outflow of 68.12 million yuan [2]

Group 1 - The A-share market saw a collective decline in bank stocks, with Chengdu Bank dropping by 5% and several others, including Xiamen Bank, Shanghai Pudong Development Bank, and Qingdao Bank, falling over 3% [1] - Specific declines included Jiangyin Bank, Qilu Bank, Hangzhou Bank, Shanghai Bank, and Hu Nong Commercial Bank, all experiencing drops exceeding 2% [1] Group 2 - Chengdu Bank's market capitalization is reported at 72.9 billion, with a year-to-date increase of 5.28% despite the recent decline of 5.08% [2] - Xiamen Bank has a market capitalization of 18.1 billion, with a year-to-date increase of 24.69%, but it fell by 3.92% today [2] - Shanghai Pudong Development Bank's market capitalization stands at 396.7 billion, with a year-to-date increase of 19.25%, experiencing a decline of 3.87% [2] - Qingdao Bank's market capitalization is 29.2 billion, with a year-to-date increase of 33.50%, and it dropped by 3.28% [2] - Jiangsu Bank has a market capitalization of 194.5 billion, with a year-to-date increase of 13.38%, and it fell by 3.11% [2] - Other banks like Jiangyin Bank, Qilu Bank, Hangzhou Bank, Shanghai Bank, and Hu Nong Commercial Bank also reported declines, with respective market capitalizations of 11.8 billion, 36.4 billion, 114.4 billion, 133.3 billion, and 82.1 billion [2]