Core Insights - SuNong Bank reported a revenue of 3.221 billion yuan for the first three quarters, reflecting a year-on-year growth of 0.08% [1] - The net profit attributable to shareholders of the parent company reached 1.708 billion yuan, marking a year-on-year increase of 5.01% [1] - As of the end of September, the total assets of the bank amounted to 226.749 billion yuan, which is a growth of 5.96% compared to the beginning of the year [1] - The non-performing loan ratio remained stable at 0.9% [1]

会议对如下议案进行了审议并表决： 一、关于发行苏州农商银行科技创新债券的议案 证券代码：603323 证券简称：苏农银行 公告编号：2025-035 江苏苏州农村商业银行股份有限公司 第七届董事会第十次会议决议公告 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。 本行第七届董事会第十次会议于 2025 年 10 月 28 日在本行东太湖办公大楼 429 会议室（苏州市吴江区东太湖大道 10888 号）以现场方式召开，会议通知 已于 2025 年 10 月 17 日以邮件方式发出。本次会议应参加表决董事 12 人，实 际参加表决董事 12 人，董事陆颖栋女士因公务原因委托董事沈志超先生出席并 表决，董事潘鼎先生因公务原因委托董事唐林才先生出席并表决。会议由董事 长徐晓军先生主持。会议的召开和表决符合《公司法》等法律法规及本行《章 程》的有关规定。 同意 12 票；弃权 0 票；反对 0 票。 本议案尚需提交公司股东会审议。 二、关于修订《关联交易管理办法》的议案 同意 1 ...

Core Insights - Su Nong Bank (603323) reported a slight increase in operating income for the first three quarters of 2025, reaching 3.221 billion yuan, a year-on-year growth of 0.08% [1] - The net profit attributable to shareholders of the parent company was 1.708 billion yuan, reflecting a year-on-year increase of 5.01% [1] - As of the end of September, the total assets of the bank amounted to 226.749 billion yuan, representing a growth of 5.96% since the beginning of the year [1] - The non-performing loan ratio remained stable at 0.90% [1]

Group 1 - Su Nong Bank held its seventh board meeting on October 28, 2025, to discuss the issuance of technology innovation bonds [1] - For the first half of 2025, Su Nong Bank's revenue composition was 137.38% from interest income and 3.9% from non-interest income [1] - As of the report, Su Nong Bank's market capitalization is 10.4 billion yuan [1] Group 2 - The A-share market has surpassed 4000 points, marking a significant resurgence after ten years of stagnation, with a new "slow bull" market pattern emerging driven by technology [1]

Group 1 - The core viewpoint of the article highlights the financial performance of Su Nong Bank for the third quarter of 2025, showing a slight increase in revenue and net profit, while basic earnings per share decreased [1] Group 2 - Su Nong Bank reported a revenue of approximately 3.221 billion yuan for the first three quarters of 2025, representing a year-on-year increase of 0.08% [1] - The net profit attributable to shareholders was approximately 1.708 billion yuan, reflecting a year-on-year increase of 5.01% [1] - Basic earnings per share were reported at 0.85 yuan, which is a year-on-year decrease of 5.56% [1] - As of the report date, Su Nong Bank's market capitalization stood at 10.4 billion yuan [1]

Financial Performance - Total operating income for Q3 2025 was CNY 940,548,000, a decrease of 0.23% compared to the same period last year[5] - Total profit for the period reached CNY 735,222,000, reflecting a 15.57% increase year-on-year[5] - Net profit attributable to shareholders was CNY 530,153,000, up by 4.54% compared to the previous year[5] - Net profit attributable to shareholders for the first nine months of 2025 was RMB 17.08 billion, up 5.01% year-on-year[13] - Net profit for the first three quarters of 2025 reached CNY 1,708,180 thousand, compared to CNY 1,626,028 thousand in the same period of 2024, reflecting a growth of about 5.0%[31] - Net interest income decreased to CNY 2,058,496 thousand in the first three quarters of 2025, down from CNY 2,140,676 thousand in 2024, a decline of approximately 3.8%[31] - The bank's basic earnings per share for the first three quarters of 2025 was CNY 0.85, down from CNY 0.90 in the same period of 2024[32] - The bank's other comprehensive income after tax showed a loss of CNY 550,609 thousand in the first three quarters of 2025, compared to a loss of CNY 22,929 thousand in 2024[32] Cash Flow and Liquidity - Net cash flow from operating activities was CNY 4,454,786,000, a significant increase of 323.55% year-on-year[5] - The net cash flow from operating activities for the first three quarters of 2025 was CNY 7,056,444 thousand, a significant recovery from a negative cash flow of CNY -169,657 thousand in the same period of 2024[33] - The net cash flow from investment activities was CNY 941,935 thousand for the first three quarters of 2025, down from CNY 1,761,845 thousand in the same period of 2024[33] - The net cash flow from financing activities showed a negative value of CNY -8,322,961 thousand in the first three quarters of 2025, worsening from CNY -3,682,981 thousand in the same period of 2024[34] - The total cash and cash equivalents at the end of the third quarter of 2025 amounted to CNY 3,818,803 thousand, compared to CNY 2,956,608 thousand at the end of the same period in 2024, indicating an increase of 29.1%[34] Assets and Liabilities - Total assets at the end of the reporting period were CNY 226,749,201,000, representing a 5.96% increase from the end of the previous year[5] - As of September 30, 2025, total assets reached RMB 226.75 billion, a growth of 5.96% compared to the beginning of the year[13] - The bank's total liabilities rose to CNY 208,047,906 thousand as of September 30, 2025, compared to CNY 195,931,400 thousand at the end of 2024, marking an increase of about 6.0%[30] - Total loans amounted to RMB 137.97 billion, reflecting a 6.68% increase year-to-date[14] - Total deposits increased to RMB 182.30 billion, marking a 7.08% growth since the start of the year[14] - The bank's customer deposits increased to CNY 182,301,644 thousand, up from CNY 170,249,035 thousand, representing a growth of approximately 7.5%[30] Risk Management - The non-performing loan ratio remained stable at 0.90% as of September 30, 2025[21] - The coverage ratio for provisions stood at 355.85%, indicating a solid risk management framework[21] - The capital adequacy ratio was reported at 12.88% as of September 30, 2025[23] - The liquidity coverage ratio was 119.03%, demonstrating strong liquidity management[28] Shareholder Information - The number of ordinary shareholders at the end of the reporting period was 31,960[9] - The top shareholder, Hengtong Group Co., Ltd., held 137,454,953 shares, accounting for 6.81% of total shares[9] Strategic Focus - The company’s strategic focus includes enhancing inclusive finance and supporting technological innovation[13] - The company reported a significant increase in borrowings from the central bank by 224.19% due to increased support for small enterprises[8] - The company experienced a 259.46% increase in trading financial liabilities, indicating a shift in investment strategy[8] Investor Relations - The company conducted four investor communication activities between July 1, 2025, and September 30, 2025[11]

证券代码：603323 证券简称：苏农银行 公告编号：2025-036 二、贵行在网点布局方面有何规划？ 答：2024 年末，本行完成对江苏靖江润丰村镇银行的吸收合并，并将 其改制升级为苏州农商银行靖江支行，实现本行在泰州地区金融供给全覆 盖。年初，新设网点江陵支行顺利开业，实现吴江地区服务重心的进一步 下沉。未来，本行将持续深入推进"三进"战略，进一步优化区域布局， 培育新的业务增长点，助力"五年再造一个苏农银行"目标的达成。 江苏苏州农村商业银行股份有限公司 关于接待机构投资者调研情况的公告 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。 本行于 2025 年 7 月 1 日至 2025 年 9 月 30 日期间，通过现场调研等形式共 接待投资者调研 4 场次，现将主要情况公告如下： | 序号 | 调研时间 | 调研类别 参与单位名称 | | --- | --- | --- | | 1 2025 | 年 7 月 9 | 华泰证券、国任财险、万家基金、招商信 日 特定 ...

证券代码：603323 证券简称：苏农银行 公告编号：2025-037 江苏苏州农村商业银行股份有限公司 关于召开 2025 年第三季度业绩说明会的公告 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。 重要内容提示： 投 资 者 可 于 2025 年 11 月 11 日 ( 星 期 二 )16:00 前 通 过 本 行 邮 箱 office@szrcb.com 进行提问。本行将在说明会上对投资者普遍关注的问题进 行回答。 本行已于 2025 年 10 月 30 日发布《2025 年第三季度报告》，为便于广大投 资者更全面深入地了解本行 2025 年第三季度经营成果、财务状况，本行计划于 2025 年 11 月 12 日下午 15:00-16:00 举行 2025 年第三季度业绩说明会，就投资 者关心的问题进行交流。 一、说明会类型 本次投资者说明会以网络互动形式召开，本行将针对 2025 年第三季度的经 营成果及财务指标的具体情况与投资者进行互动交流和沟通，在信息披露允 ...

苏农银行公告，第三季度营收为9.41亿元，同比下降0.23%；净利润为5.3亿元，同比增长4.54%。前三 季度营收为32.21亿元，同比增长0.08%；净利润为17.08亿元，同比增长5.01%。 ...

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]