Financial Performance - In 2022, the total assets of Suzhou Rural Commercial Bank exceeded RMB 180 billion, total deposits surpassed RMB 130 billion, and total loans exceeded RMB 100 billion[10]. - Total revenue for 2022 reached CNY 4,037,449,000, an increase of 5.30% compared to 2021[23]. - Net profit attributable to shareholders was CNY 1,501,757,000, reflecting a growth of 29.42% year-over-year[23]. - Total assets increased to CNY 180,277,961,000, representing a 13.58% rise from the previous year[24]. - Total deposits amounted to CNY 139,804,680,000, up 14.00% from 2021[24]. - The loan portfolio grew to CNY 109,047,067,000, marking a 14.47% increase compared to the prior year[24]. - Basic earnings per share rose to CNY 0.83, a 29.69% increase from 2021[26]. - The capital adequacy ratio stood at 12.09%, exceeding the regulatory requirement of 10.5%[26]. - The non-performing loan ratio improved to 0.95%, down from 0.98% in 2021[26]. - The total equity attributable to shareholders increased to CNY 14,199,989,000, an 8.01% rise year-over-year[24]. Risk Management - The bank has effectively managed and controlled various risks, including credit risk, market risk, liquidity risk, and operational risk[6]. - The bank's management emphasizes the importance of adhering to the principles of steady progress while pursuing structural adjustments and transformation[11]. - The bank has established a comprehensive risk management system to enhance internal control and reputation risk management[50]. - The bank has revised and improved credit risk management policies, including guidelines for working capital loans and retail loan post-loan inspections[142]. - The bank has established annual liquidity risk preferences and management strategies, adjusting liquidity risk management targets quarterly based on business developments[143]. - The bank employs various methods such as gap analysis and stress testing to assess interest rate risk, maintaining overall risk at a low level[144]. - The bank has implemented a reputation risk management system, including a 24/7 online monitoring system for public sentiment[146]. Strategic Initiatives - 2023 marks the beginning of a new five-year plan for the bank, focusing on management enhancement and high-quality development[11]. - The bank aims to actively promote financial innovation and adapt to new development concepts in the upcoming year[11]. - The bank plans to continue expanding its market presence and enhancing its product offerings to drive future growth[105]. - The bank aims to enhance financial services for small and micro enterprises and rural revitalization through strategic cooperation with local government agencies[154]. - The bank is focusing on digital currency promotion, leveraging its advantages to enhance accessibility and inclusivity in financial services[155]. - The bank's financial technology strategy emphasizes product online transformation, business platformization, and service ecosystem development to improve service quality and efficiency[156]. Customer Engagement and Digital Transformation - The bank's digital transformation included the upgrade of internal credit systems and the development of AI-driven services[37]. - The company has established a comprehensive customer service system centered on mobile banking and WeChat banking, enhancing customer interaction[44]. - The online sales ratio of wealth management products reached 92.78%[44]. - The total amount of digital RMB transactions reached 4.422 billion yuan, with over 29,000 personal wallets linked[44]. - The bank aims to capture remote video trends with the development of the "Su Vision: Remote Banking" system to enhance online service experiences[49]. Governance and Compliance - The bank's governance structure includes a board of directors with 14 members, ensuring compliance with regulatory requirements[166]. - The board held 5 meetings and passed 52 resolutions during the reporting period, demonstrating active governance[166]. - The supervisory board conducted 4 meetings and reviewed 45 resolutions, ensuring effective oversight of the bank's operations[167]. - The company has a structured performance evaluation and remuneration management system for directors and senior management, ensuring compensation is based on annual performance assessments[190]. - The company’s governance practices are aligned with regulatory requirements, ensuring compliance and transparency in management[190]. Market Position and Growth - The bank has maintained a leading position in the Wujiang region and achieved rapid growth in various businesses in the Suzhou urban area[10]. - The company operates a total of 94 institutions, including 1 head office, 1 branch, 61 sub-branches, and 31 financial service offices[134]. - The company expanded its distribution network with 31 additional sub-branches in Jiangsu Province, enhancing its market presence[137]. - The company is actively developing new financial products and services to meet diverse customer needs, including online and offline investor education initiatives[141]. Shareholder Engagement - The company conducted a total of 53 investor communication activities during the reporting period, including specific research and broker strategy meetings[171]. - The investor activities included participation from 15 institutions on January 12, 2022, and 20 institutions on March 16, 2022, showcasing strong engagement with the investment community[171]. - The company emphasized its commitment to transparent communication and strategic alignment with investor interests throughout the year[171]. - The company hosted multiple broker strategy meetings, with significant participation from various asset management firms, reflecting a robust outreach strategy[171].

2023 年第一季度报告 证券代码：603323 证券简称：苏农银行 江苏苏州农村商业银行股份有限公司 2023 年第一季度报告 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。 | 一、重要内容提示………………………………………………….…2 | | --- | | 二、主要财务数据…………………………………………………….3 | | 三、股东信息……………………………………………….…………5 | | 四、补充资料…………………………………………………….……7 | | 五、季度财务报表………………………………..……………………9 | 1 2023 年第一季度报告 一、重要内容提示 （一）公司董事会、监事会及董事、监事、高级管理人员保证季度报告内容的真 实、准确、完整，不存在虚假记载、误导性陈述或重大遗漏，并承担个别和连带的 法律责任。 （二）公司负责人徐晓军、行长庄颖杰、主管会计工作负责人缪钰辰及会计机构负 责人（会计主管人员）顾建忠保证季度报告中财务信息的真实、准确、完整。 （三）第一季度财务报表是否经审计 □是 √否 ...

证券代码：603323 证券简称：苏农银行 公告编号：2023-017 江苏苏州农村商业银行股份有限公司 关于召开 2022 年度业绩暨现金分红说明会的公告 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 2023 年 4 月 28 日(星期五) 至 5 月 9 日(星期二)16:00 前登录上 证路演中心网站首页点击"提问预征集"栏目或通过本行邮箱 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 2023 年 4 月 28 日发布《2022 年年度报告》，为便于广大投资者更 全面深入地了解本行 2022 年度经营成果、财务状况，本行计划于 2023 年 5 月 10 日上午 9:00-10:00 举行 2022 年度业绩暨现金分红说明会，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 2022 年度的经营成果 及财务指标的具体情况与投资者 ...

江苏苏州农村商业银行股份有限公司 投资者关系活动记录表 证券代码：603323 证券简称：苏农银行 编号：2022-011 | --- | --- | --- | --- | |-------|------------------------------------------|---------------------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- ...

江苏苏州农村商业银行股份有限公司 投资者关系活动记录表 证券代码：603323 证券简称：苏农银行 编号：2022-012 | --- | --- | --- | |-------------------------|--------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- ...

江苏苏州农村商业银行股份有限公司 投资者关系活动记录表 证券代码：603323 证券简称：苏农银行 编号：2022-014 | --- | --- | --- | |------------------------------|----------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- ...

2022 年第三季度报告 一、重要内容提示 ........................................... 2 二、主要财务数据 ........................................... 3 三、股东信息 ............................................... 5 四、其他提醒事项 ........................................... 8 五、补充资料 ............................................... 9 六、季度财务报表 .......................................... 11 证券代码：603323 证券简称：苏农银行 江苏苏州农村商业银行股份有限公司 2022 年第三季度报告 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个别及连带责任。 1 / 18 2022 年第三 ...

1 证券代码：603323 证券简称：苏农银行 公告编号：2022-038 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")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个别及连带责任。 本行于 2022 年 7 月 1 日至 2022 年 9 月 30 日期间，通过现场及电话会议等 交流形式共接待投资者调研 12 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 ...