证券代码：603323 证券简称：苏农银行 公告编号：2025-026 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 近日，本行董事会收到董事、副行长缪钰辰女士提交的书面辞职报告。缪钰 辰女士由于工作变动原因，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 | | | | 离任原因 | 是否继续在 上市公司及 | 是否存在 未履行完 | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | | 务 | | | | | | | | | | 其控股子公 | 毕的公开 | | | | | | | | | | | | | 司任职 | 承诺 | | 缪钰辰 | 董事 | 2025 | 年 7 | ...

Core Viewpoint - Su Nong Bank (603323) announced the resignation of Ms. Miao Yuchen, the director and vice president, due to job changes, which will not affect the normal operation of the board of directors or the company's management [1] Group 1 - Ms. Miao Yuchen submitted a written resignation report, applying to resign from her positions as director, member of the board's specialized committees, and vice president [1] - The resignation will take effect upon delivery of the resignation report to the board of directors [1] - Ms. Miao Yuchen has completed the handover process in accordance with the company's regulations [1]

Core Viewpoint - The "Alliance Chain" initiative by Suzhou Rural Commercial Bank aims to enhance collaboration in supply chain finance by integrating logistics, information flow, and capital flow to provide precise services for small and micro enterprises, transitioning from "single-point breakthroughs" to "chain-wide win-win" scenarios [1] Group 1: Mechanism and Strategy - Suzhou Rural Commercial Bank has established a "full-chain collaborative business ecosystem" to activate financial service dynamics within the industry chain, creating a distinctive supply chain finance model [2] - The bank has set hard targets such as "100% chain master visit rate" and "≥30% chain subordinate conversion rate," linking performance rewards to the number of visits and referrals to stimulate grassroots business development [2] - The bank redefined "chain masters" to include high-quality small and medium enterprises with stable transaction networks, aiming to convert "unfinanced chain subordinates" through comprehensive financial services [2] Group 2: Technology Empowerment - The bank utilizes financial technology to integrate internal and external data, generating real-time panoramic maps of the "Alliance Chain" to provide clear operational insights for branches [3] - External big data is employed to create multidimensional credit evaluation models for chain subordinate enterprises, facilitating precise identification of target customer groups and tailored marketing strategies [3] - The bank's unique "Su Nong E Loan" product, along with other financial offerings, addresses the core issues of "difficult and slow financing" for small and micro enterprises, becoming a key tool for market penetration [3] Group 3: Ecological Integration - The bank is building an ecological comprehensive service system, transitioning from "one-way service" to "symbiotic win-win" relationships [4] - A "1+2" visit mechanism is implemented to promote collaborative marketing, offering a combination of services including "Su Nong E Loan," business loans, and employee consumer loans [4] - The approach has evolved from a linear referral system to an ecological closed loop that enhances service efficiency and customer value throughout their lifecycle [4]

Core Viewpoint - Suzhou Rural Commercial Bank has established a long-term partnership with private enterprises, demonstrating a commitment to supporting their growth through various stages of development, from initial funding to overcoming operational challenges and facilitating generational transitions [1][2][3]. Group 1: Financial Performance - As of the end of 2024, Suzhou Rural Commercial Bank's total assets reached 213.36 billion, with deposits of 170.25 billion and loans of 129.32 billion [1]. - Nearly 90% of the bank's loans support the real economy, with over 60% directed towards private enterprises and more than 30% towards the manufacturing sector, maintaining the highest proportion of manufacturing loans among listed banks for several consecutive years [1]. Group 2: Support for Startups - The bank has a history of providing crucial initial loans, exemplified by a nearly 400,000 loan issued 28 years ago that helped a now-prominent enterprise in the silk industry [2]. - The concept of "patient capital" has been a long-standing practice for the bank, focusing on early, small, and growth-oriented loans to foster long-term relationships with businesses [2]. Group 3: Relationship with SMEs - Suzhou Rural Commercial Bank benefits from its familiarity with local businesses, resulting in high loyalty among SMEs, which is difficult for other banks to replicate [3]. - The bank maintains close ties with over 90% of the textile enterprises in the region, with more than 600 loan clients, including two Fortune 500 companies [3]. Group 4: Crisis Management - During the textile industry's crisis from 2012 to 2014, the bank played a crucial role in stabilizing the local economy by helping 664 enterprises navigate challenges through various financial solutions [5]. - The bank's proactive approach includes restructuring loans and providing tailored repayment plans to support businesses facing temporary financial difficulties [5]. Group 5: Generational Transition Support - The bank emphasizes the importance of supporting the transition of second-generation entrepreneurs, ensuring continuity and growth in family businesses [7]. - A recent project focused on low-carbon transformation in the textile industry showcases the bank's commitment to innovation and sustainability, helping local enterprises achieve international certification [8]. Group 6: Future Outlook - The bank aims to continue its role as a "benchmark bank" and "value bank," focusing on long-term partnerships and innovative financial solutions to support local economic development [8].

Core Insights - The banking industry is facing the challenge of balancing "risk prevention" and "customer service" in the context of deep digital financial integration into daily life [1] Group 1: Account Risk Management - Cao Lijing from Peixian Branch proposed a "Fast, Accurate, Stable" strategy for account risk management, establishing an efficient and empathetic account management system [3] - The "Fast" aspect focuses on intercepting risks through intelligent monitoring systems that quickly identify suspicious transactions, such as small test transfers or unusual account activity [3] - The "Accurate" dimension emphasizes a personalized approach to risk management, utilizing customer transaction history and police reports to create a detailed risk profile before verifying transactions [3][4] - The "Stable" component aims to maintain customer satisfaction while preventing fund loss, employing empathetic communication to guide customers through risk scenarios and implementing transaction limits when necessary [4] Group 2: Service Philosophy - Chen Ziyan from Jiangling Branch embodies the principle of "service first, details matter," adhering to the "Three Principles of Smiling Service" which include warm attitude, standardized operations, and clear explanations [6] - Chen actively engages with elderly customers by adjusting her communication style to ensure clarity and providing step-by-step assistance for those facing difficulties [6][7] - She emphasizes continuous professional development, practicing essential skills and staying updated on financial regulations to ensure error-free service [6][7] Group 3: Service Efficiency - Zhang Ying from Fenhu Branch introduced a "Three-Second Response, Ten Points Satisfaction" service strategy to address efficiency concerns and enhance customer satisfaction [9] - By anticipating customer needs during peak service times, Zhang optimized processes to reduce wait times and improve service delivery [9][10] - Zhang's approach combines speed with emotional resonance, transforming potentially negative customer experiences into informative interactions about fraud prevention [10] Conclusion - The practices of Cao Lijing, Chen Ziyan, and Zhang Ying illustrate how Suzhou Rural Commercial Bank is innovating in risk prevention and customer service, demonstrating the importance of both vigilance in financial security and sensitivity to customer needs in the digital age [10]

Market Overview - The overall market is experiencing a pullback, with the Shanghai Composite Index closing at 3500.62 points, down 0.12% [2] - The total trading volume for the market was 927 billion, showing a significant decrease compared to the previous day [3] Financial Sector Performance - The financial sector, particularly banks and insurance companies, is underperforming, contributing to the decline of the Shanghai Composite Index [3][8] - Major insurance companies like New China Life and China Life have seen declines exceeding 1%, with New China Life down 2.69% [8] - Among 42 bank stocks, only China Bank remained flat, while others, including Xiamen Bank and Qilu Bank, experienced declines of nearly 4% and 2.89% respectively [13] New IPOs and Market Movements - N Huadian New Energy, the largest IPO of the year, saw its stock price rise by as much as 219.81% during trading, reaching a peak of 10.17 yuan per share [12] - The company raised 18.171 billion yuan through the issuance of 4.969 billion shares, with plans for investment in renewable energy projects [15] Hong Kong Market Performance - The Hong Kong market is showing positive trends, with the Hang Seng Index up 0.28% and the Hang Seng Technology Index up 0.61% [5] - Anta Sports led the gains in the Hang Seng Index, rising by 2.73% [6] Notable Stock Movements - The stock of Weiyali surged by 918% upon its resumption of trading, reflecting significant market interest [17] - The stock price of Weiyali reached 33.2 HKD per share during trading, before settling at 11 HKD, marking a 237.42% increase [18]

Core Viewpoint - A-share listed banks are experiencing a peak in dividend distribution for the 2024 fiscal year, with over thirty banks having completed their annual dividends and several others announcing dividend implementation plans [1][3][4]. Group 1: 2024 Annual Dividends - The Industrial and Commercial Bank of China (ICBC) leads with a total cash dividend of approximately 109.77 billion yuan for the previous year [3][4]. - The six major state-owned banks have collectively distributed over 420 billion yuan in dividends for 2024, with ICBC, China Construction Bank, Agricultural Bank of China, and Bank of China being the top contributors [4][6]. - Other banks such as China CITIC Bank and Beijing Bank have also announced significant cash dividends, with CITIC Bank distributing around 19.46 billion yuan [4][5]. Group 2: 2025 Mid-Year Dividend Plans - Several banks, including China Merchants Bank and Hangzhou Bank, have initiated plans for mid-year dividends in 2025, aiming to enhance investor returns [1][8][10]. - The focus on mid-year dividends is seen as a strategy to improve liquidity and provide more consistent cash flow to investors, which may support long-term stock price appreciation [10]. - Banks like Su Nong Bank and Changsha Bank have expressed intentions to implement mid-year dividend plans based on their financial performance and regulatory requirements [8][9]. Group 3: Stock Performance and Market Trends - The banking sector has shown strong performance in the A-share market, with several banks achieving significant stock price increases in the first half of the year [12][13]. - The overall dividend yield of the banking sector remains attractive, particularly in a low-interest-rate environment, making it appealing for long-term investors [10][13]. - Some banks have faced challenges in executing share buyback plans due to stock price fluctuations, indicating a cautious approach to capital management [11][14].

Core Viewpoint - The article highlights the increasing interest of institutional investors in listed banks, particularly focusing on loan allocation, interest margin trends, and capital replenishment strategies. Group 1: Investor Engagement - Multiple listed banks, including Jiangsu Bank, Suzhou Bank, and Ningbo Bank, have engaged in investor relations activities, discussing key issues with investors [1] - As of July 12, 2023, 26 listed banks have been surveyed by institutions, totaling 230 instances of engagement, primarily among small and medium-sized banks [1][3] - Changshu Bank received the highest number of surveys at 33, while Ningbo Bank attracted the most institutions, with 195 participating [3][4] Group 2: Interest Margin Trends - The interest margin remains a hot topic among institutions, with the net interest margin for banks reported at 1.43% in Q1 2025, a year-on-year decrease of 0.11 percentage points [4] - Jiangsu Bank aims to maintain a net interest margin that outperforms peers by enhancing asset research capabilities and managing loan interest rates [5] - Changshu Bank plans to consolidate its interest margin advantage by optimizing both asset and liability sides, focusing on high-yield assets and controlling high-cost deposits [6] Group 3: Capital Replenishment - Capital replenishment is another key focus for investors, with regulatory updates from the Financial Regulatory Bureau regarding advanced capital measurement methods [8] - Ningbo Bank is actively researching regulatory requirements and plans to issue up to 45 billion yuan in capital bonds [8] - Suzhou Bank reported a successful conversion of nearly 5 billion yuan in convertible bonds, enhancing its capital strength [9] - Su Nong Bank intends to issue up to 1 billion yuan in secondary capital bonds to support its operations [9]

Core Viewpoint - The A-share listed banks are experiencing a peak in dividend distribution, with total dividends for 2024 exceeding 630 billion yuan, marking an increase of 20 billion yuan from the previous year, and setting a new historical high [1][4]. Dividend Distribution - On July 11, both China Merchants Bank and Xi'an Bank distributed cash dividends, with China Merchants Bank paying 2.000 yuan per share, totaling approximately 50.44 billion yuan, resulting in a dividend yield of about 5.7% based on a hypothetical share price of 35 yuan [2][3]. - Xi'an Bank distributed 1 yuan for every 10 shares, amounting to 444 million yuan, which represents 17.37% of its net profit [2]. - On July 10, Beijing Bank and CITIC Bank also executed dividend distributions, with Beijing Bank distributing 0.2 yuan per share, totaling 4.23 billion yuan, and CITIC Bank distributing 0.1722 yuan per share, totaling 9.582 billion yuan [3]. Overall Dividend Performance - As of July 11, 33 A-share listed banks have completed their 2024 annual dividend distributions, with five more having announced their plans [3]. - The six major state-owned banks maintained a dividend payout ratio of over 30%, with total cash dividends reaching 420.63 billion yuan, led by Industrial and Commercial Bank of China with 109.77 billion yuan [4]. Mid-term Dividend Plans - Several banks are planning mid-term dividends for 2025, with institutions like Changsha Bank and Su Nong Bank expressing intentions to enhance shareholder returns through mid-term distributions [5][6]. - The trend of increasing mid-term dividends is seen as a strategy to improve investor satisfaction and share the benefits of high-quality growth [6]. Market Outlook - Analysts predict a narrowing decline in net profit and revenue for listed banks in the first half of the year, with expectations of a 0.9% year-on-year decrease in revenue and a 0.5% decrease in net profit [7]. - The current market environment is viewed as the beginning of a long-term upward trend for bank stocks, supported by low interest rates and the revaluation of RMB assets [7].

Core Insights - Suzhou Rural Commercial Bank has successfully launched the "School Canteen Fund Supervision Platform" in collaboration with the Wujiang District Education Bureau, aimed at enhancing fund management efficiency and transparency through comprehensive oversight of school canteen expenditures [1][2] Group 1: Platform Features - The asset management platform covers various aspects including canteen procurement, salary disbursement, student meal fee payments, and multi-level report query services [1] - The platform integrates directly with the Sunshine Canteen system, allowing canteen administrators to confirm order data, which is then verified by financial personnel for fund disbursement, creating a fully electronic audit trail [1] - The salary disbursement feature includes a trial calculation function that automatically computes necessary deductions such as social security and housing fund, generating detailed pay slips with a single click [1] Group 2: Collaborative Efforts - The project was made possible through the collaboration of multiple departments within the bank, including the Network Finance Department, Financial Technology Department, Retail Banking Department, Transaction Banking Department, and Corporate Banking Department [2] - The platform establishes a closed-loop management system for canteen funds, utilizing bank custody, special account accounting, and timely disbursement functions to enhance fund security [2] - The Education Bureau can monitor real-time balances, fund transfer details, and carryover situations of each school's supervisory account, addressing issues of unclear fund flow and weak oversight in traditional models [2]