Core Insights - Suzhou Rural Commercial Bank focuses on serving the needs of early-stage small and medium-sized technology enterprises, leveraging Suzhou's position as a hub for industrial and technological innovation [1][2] Group 1: Financial Support and Innovation - As of November 2025, the bank's technology enterprise loan balance exceeds 20 billion yuan, serving over 2,000 technology enterprise clients, with 80% being early to mid-stage technology companies [1] - The bank has launched specialized financial products such as "Talent Enterprise Loan" and "Venture Capital Loan," which cater to the credit needs of early-stage technology enterprises [3][4] - The bank's "Angel Loan" program provides 2 million yuan to startups, linking equity financing with bank credit to enhance financial structure and boost enterprise confidence [2][5] Group 2: Strategic Development and Collaboration - Suzhou is home to 24,300 national technology-based SMEs, ranking first in the country, and the bank actively collaborates with various institutions to develop tailored financial products for early-stage technology enterprises [2][5] - The bank has established a "Technology Financial Laboratory" to analyze key technology industries in Suzhou, creating industry research reports to better understand client needs and provide financing solutions [5] - The bank's credit approval process incorporates intelligent risk control and analysis platforms, allowing for rapid approval for well-documented enterprises [4]

Group 1 - The core point of the article is the resignation of Shen Zhichao from his positions as a director and vice president of Suzhou Rural Commercial Bank due to work-related changes [1] Group 2 - The announcement was made on December 12, indicating that the board of directors received Shen's written resignation report [1] - Shen Zhichao's resignation includes his roles in the board and the specialized committees of the bank [1]

Group 1 - The core point of the article is the resignation of Shen Zhichao from his positions as a director and vice president of Sunong Bank due to work changes, with no disagreements with the board [1] - Sunong Bank's revenue composition for the first half of 2025 shows that interest income accounts for 137.38%, while non-interest income accounts for 3.9% [1] - As of the report, Sunong Bank has a market capitalization of 10.3 billion yuan [1]

证券代码：603323 证券简称：苏农银行 公告编号：2025-044 江苏苏州农村商业银行股份有限公司 关于公司董事、副行长离任的公告 江苏苏州农村商业银行股份有限公司(以下简称"本行"或"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。 一、董事/高级管理人员离任情况 沈志超先生在本行任职期间恪尽职守，勤勉尽责，为本行的高质量可持续发 展发挥了积极作用，本行及董事会对沈志超先生在任职期间所做的贡献表示衷心 感谢。 特此公告。 江苏苏州农村商业银行股份有限公司董事会 2025 年 12 月 13 日 近日，本行董事会收到董事、副行长沈志超先生提交的书面辞职报告。沈志 超先生由于工作变动原因，申请辞去本行董事及董事会专门委员会相关职务、副 行长职务。 | 姓名 | 离任职 | | 离任时间 | | | | 原定任期到期日 | | | | 是否继续在 上市公司及 | 是否存在 未履行完 | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | - ...

格隆汇12月12日丨苏农银行(603323.SH)公布，近日，本行董事会收到董事、副行长沈志超先生提交的 书面辞职报告。沈志超先生由于工作变动原因，申请辞去本行董事及董事会专门委员会相关职务、副行 长职务。 ...

证券代码：603323 证券简称：苏农银行 公告编号：2025-044 | 姓名 | 离任职 | | 离任时间 | | | | 原定任期到期日 | | | | 是否继续在 上市公司及 | 是否存在 未履行完 | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | | | | | | | | | | | 离任原因 | | | | | 务 | | | | | | | | | | 其控股子公 | 毕的公开 | | | | | | | | | | | | | 司任职 | 承诺 | | 沈志超 | 董事 | 2025 | 年 12 | 月 12 | 日 | 2026 年 | 12 月 | 27 | 日 | 工作变动 | 否 | 否 | | | 副行长 | 2025 | 年 12 | 月 12 | 日 | 2026 年 | 12 月 | 27 | 日 | 工作变动 | 否 | 否 | 二、离任对公司的影响 沈志超先生的离任不会导致本行董事会成员低于法定人数，不会影响本行董 事会的正常运作及经营管理的正常运行。沈 ...

Core Viewpoint - The resignation of Shen Zhichao, the Vice President and Director of Sunong Bank, has been announced due to work changes, with no pending commitments or disagreements with the board [1] Group 1 - Shen Zhichao submitted a written resignation report to the board of directors, effective upon delivery [1] - The resignation includes his positions as a director and member of the board's specialized committees [1] - As of the announcement date, there are no outstanding commitments or issues that need to be communicated to shareholders or creditors [1]

Investment Rating - The report assigns an "Overweight" rating for the banking sector [7]. Core Insights - The report emphasizes the significant improvement in the cost of liabilities for banks in 2025, with a notable decrease of 28 basis points (bp) in the first half of the year, compared to only 4 bp in the same period last year. This improvement is primarily driven by reductions in deposit and interbank liabilities costs, contributing 19 bp and 7 bp respectively [3][11]. - The net interest margin (NIM) is expected to decline by approximately 5 bp in 2026, with the downward pressure on margins continuing to ease marginally, suggesting that some banks may stabilize their NIMs [2][10]. Summary by Sections 1. Liability Cost Improvement in 2025 - The first half of 2025 saw a significant reduction in the cost of interest-bearing liabilities, with the cost rate dropping to 1.70%, a decrease of 28 bp from 2024. This was supported by improvements in both deposit and interbank liability costs [11]. 2. Liability Side: Deposit Maturity and Repricing Benefits 1) **Term Structure**: The proportion of long-term deposits entering the repricing cycle has increased, with the share of deposits with a remaining maturity of 1-5 years declining by 1.5 percentage points (pct) to 22.6% by the end of Q2 2025. Some banks, such as those in Ningbo and Chongqing, experienced declines exceeding 10 pct [4]. 2) **Price Factors**: Regulatory focus on maintaining reasonable NIM levels has increased, with expectations of further interest rate cuts. The maximum reduction for three-year deposits could exceed 100 bp, indicating substantial room for cost improvement [5]. 3. Asset Side: Yield Pressure Expected to be Better than 2025 1) **Loans**: The repricing pressure on loans is expected to ease, with the five-year Loan Prime Rate (LPR) declining by only 10 bp in 2025, significantly less than the 50 bp drop the previous year [6]. 2) **Debt Replacement**: The shift from high-interest to low-interest debt is anticipated to have a limited impact on net interest margins, estimated to drag down margins by about 4 bp [6]. 3) **Bond Maturity**: The widening gap between new bond issuance rates and existing bond yields is expected to exert downward pressure on investment yields, with an estimated drag of 6 bp on margins from the reallocation of bonds maturing within one year [6]. 4. NIM Projections - The report forecasts a 5 bp decline in NIM for 2026, with the downward trend continuing to converge. The asset yield is expected to decrease by 17 bp, while the cost of liabilities is projected to improve by 13 bp, with deposit costs improving by 17 bp [7][10].

Core Insights - Suzhou Rural Commercial Bank has launched the "Suxinbao" personalized savings book, integrating savings functionality with emotional recording, creating an innovative savings tool that combines deposit management, story preservation, and goal planning [1][2] Product Features - The "Suxinbao" savings book addresses issues of scattered and easily lost traditional savings certificates, while also providing a more emotionally engaging alternative to digital bank statements [1] - It features an "integrated book" design that allows for centralized management of various funds, such as children's lucky money, personal savings, and family reserves, making financial status clear at a glance [1] - The savings book includes personalized sections like "Deposit Purpose" and "Heartwarming Notes," enabling users to specify goals such as "Education Fund" or "Family Travel Fund," and to create a unique "Growth Archive" that records important life and savings milestones [1] Functional Aspects - "Suxinbao" supports various deposit methods, including whole deposit and interest-adding fixed deposits, catering to different income needs [1] - It offers features like automatic renewal and partial early withdrawal, balancing liquidity and convenience, and allows flexible conversion between traditional savings certificates and savings books to adapt to diverse financial scenarios [1] - The product design is both aesthetically pleasing and practical, supporting up to 33 deposit records, which can comprehensively accompany a family's wealth accumulation journey [1] Market Availability - The "Suxinbao" personalized savings book is officially available at all branches of Suzhou Rural Commercial Bank, aiming to enhance the emotional significance of savings while helping citizens cherish beautiful life memories [2]

Core Insights - Suzhou Rural Commercial Bank's High-tech Branch successfully issued a 10 million yuan personal operating loan to a company that recently acquired a factory through judicial auction, addressing the company's liquidity issues after the auction payment [1][2] - The bank's proactive approach involved closely monitoring market dynamics and promptly contacting the company to understand its financial needs, demonstrating a commitment to supporting small and micro enterprises [1][2] Group 1 - The loan was issued within three working days, showcasing the bank's efficient service and ability to respond quickly to client needs [1] - The bank's customer manager provided tailored financial support by recommending a "comprehensive operating loan" product that matched the company's short-term urgent needs and long-term stability [1] - The bank emphasizes a customer-centric philosophy, aiming to enhance service processes and improve the precision and warmth of its services [2] Group 2 - The bank's actions reflect its deep commitment to local market needs and its capability to respond agilely to those demands [2] - The bank aims to continue alleviating challenges faced by small and micro enterprises, contributing to the high-quality development of the local economy [2]