投资者关系管理办法 第一章 总 则 第二章 内容和方式 第七章 附 则 上海农村商业银行股份有限公司 第一章 总 则 第一条 为进一步规范和加强上海农村商业银行股份有限公司（以下简 称"本行"）与投资者及潜在投资者（以下合称"投资者"）之间的信息沟 通，增进投资者对本行的了解和认同，切实保护投资者特别是广大社会公 众投资者的合法权益，促进本行与投资者之间建立长期、稳定的良性互动 关系，根据《上市公司投资者关系管理工作指引》（证监会公告〔2025〕5 号）《上海证券交易所股票上市规则》（上证发〔2025〕59 号）《上海证券交 易所上市公司自律监管指引第 1 号——规范运作》（上证发〔2025〕68 号） 等法律、法规、规章、规范性文件及本行章程等有关规定，并结合本行实 际情况，制定本办法。 第二条 本办法所称投资者关系管理是指本行通过便利股东权利行使、 信息披露、互动交流和诉求处理等工作，加强与投资者及潜在投资者之间 的沟通，增进投资者对本行的了解和认同，以提升本行公司治理水平和企 业整体价值，实现尊重投资者、回报投资者、保护投资者目的的相关活动。 第三章 投资者说明会 第四章 接受调研 第五章 上证 e 互 ...

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]