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]

Group 1 - The company held three investor research meetings from April 1, 2025, to June 30, 2025 [1] - The first extraordinary general meeting of shareholders in 2025 was held on July 8, 2025, at a specified location in Suzhou [2] - The meeting was chaired by the chairman of the board, Xu Xiaojun, and combined on-site and online voting methods were used [2][3] Group 2 - Out of 14 current directors, 10 attended the meeting, while some were absent due to official duties [3] - Out of 9 current supervisors, 3 attended the meeting, with several absent for official reasons [4] - The company secretary and some senior management personnel were present at the meeting [4] Group 3 - Several resolutions were passed, including the proposal to abolish the supervisory board and change the registered capital [5][6] - The special resolutions regarding the amendment of the Articles of Association and the issuance of secondary capital bonds were also approved [6] - The voting results for the special resolutions required more than two-thirds of the voting rights held by attending shareholders [6] Group 4 - The meeting was witnessed by Jiangsu Century Tongren Law Firm, with lawyers confirming the legality of the meeting procedures and voting results [7] - The documents for the meeting, including the signed resolutions and legal opinions, are available for review [8]

Core Viewpoint - The company is focused on maintaining high-quality development and enhancing its market position through strategic regional management and asset quality control [1][2][3]. Group 1: Regional Development Strategy - The company has implemented a "Three Advances" regional development strategy, focusing on differentiated management across various regions, with specific goals for Wujiang, Suzhou urban areas, and Taizhou [1]. - In 2025, the company aims to maintain its leading position in Wujiang, enhance service breadth and depth in Suzhou, and accelerate retail transformation in Taizhou [1]. Group 2: Financial Performance Outlook - For 2025, the company expects to continue its high-quality development, with asset scale exceeding 220 billion and total deposits and loans surpassing 300 billion [2]. - The company plans to balance business innovation and risk control while implementing its "Three-One-Five" development strategy [2]. Group 3: Market Capitalization and Shareholder Value - The company aims to enhance intrinsic value and optimize business structure to achieve sustainable high-quality development, with a focus on shareholder interests [2]. - Plans include mid-term dividends and improved transparency in information disclosure to enhance investor engagement [2]. Group 4: Asset Quality Management - As of March 2025, the company reported a non-performing loan ratio of 0.90% and a关注贷款率 of 1.20%, both stable compared to the previous year [3]. - The company has enhanced credit risk management through improved models and systems, focusing on preemptive risk prevention and effective credit management [3]. Group 5: Support for Emerging Industries - The company is committed to supporting the rapid development of emerging industries in Suzhou by focusing on key sectors such as equipment manufacturing, electronic information, medical devices, and advanced materials [4]. - The establishment of an industry cluster center team aims to integrate financial services with local economic development [4].

Group 1 - The legal opinion letter was issued by Jiangsu Century Tongren Law Firm regarding the first extraordinary general meeting of shareholders of Jiangsu Suzhou Rural Commercial Bank Co., Ltd. in 2025 [1] - The meeting is scheduled for July 8, 2025, at 14:30, with provisions for both on-site and online voting [2][3] - A total of 477 shareholders and proxy agents attended the meeting, representing 475,284,884 shares, which is a significant portion of the company's total shares [3] Group 2 - The meeting followed the required legal procedures, including proper notification of the meeting date, time, location, and agenda [3][6] - The voting process was conducted through a combination of on-site and online methods, ensuring compliance with relevant laws and regulations [4][6] - All resolutions presented at the meeting were approved, including the proposal to issue secondary capital bonds [5][6]

证券代码：603323 证券简称：苏农银行 公告编号：2025-025 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 答：截至 2025 年 3 月末，本行不良贷款率 0.90%，关注贷款率 1.20%， 均较上年末持平，资产质量延续平稳态势。近年来，为有效提升信用风险 防范能力，本行从多方面发力，提高信贷管理质效。建立完善信用风险管 理相关模型及系统，将风险预警前置，从源头防范信用风险，坚守准入关， 严控新增风险贷款；狠抓基础信贷管理，坚持提升信贷人员从业素质，完 善信贷管理精细化布局；持续丰富风险化解手段，有针对性地制定风险化 解方案并督促执行，同时按照场景化、智能化、可视化的方向，全面推进 不良资产清收处置工作转型。展望全年，预计本行整体资产质量将继续保 持平稳。 五、近年来苏州地区新兴产业发展迅速，在服务这类客群方面贵行有 何举措？ 答：近年来，苏州制造业加快迈向高端化、智能化、绿色化，产业结 构持续优化升级。作为服务地方的法人金融机构，本行将"产业集群突围" 作为战略三大重点工程之一，通过组建产业集群中心直营团队，打通业务 操作流程，深入研究并重点拓展装备制造、电子信息、医疗器 ...

江苏苏州农村商业银行股份有限公司 2025年第一次临时股东大会决议公告 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。 证券代码：603323 证券简称：苏农银行 公告编号：2025-024 (一)股东大会召开的时间：2025 年 7 月 8 日 (二)股东大会召开的地点：江苏省苏州市吴江区东太湖大道 10888 号 5 楼报告厅 (三)出席会议的普通股股东和恢复表决权的优先股股东及其持有股份情况： | 1、出席会议的股东和代理人人数 | 477 | | --- | --- | | 2、出席会议的股东所持有表决权的股份总数（股） | 475,284,884 | | 3、出席会议的股东所持有表决权股份数占公司有表决权股 | | | 份总数的比例（%） | 23.5459 | 重要内容提示： 本次会议是否有否决议案：无 (四)表决方式是否符合《公司法》及《公司章程》的规定，大会主持情况等。 一、会议召开和出席情况 本次股东大会由公司董事会召集，徐晓军董事长主持会议，采用的表 ...

江苏世纪同仁律师事务所关于 江苏苏州农村商业银行股份有限公司 2025 年第一次临时股东大会的 法律意见书 致：江苏苏州农村商业银行股份有限公司 根据《中华人民共和国证券法》《中华人民共和国公司法》《上市公司股东 会规则》（以下简称"《股东会规则》"）等法律、法规和规范性文件以及现行 有效的《江苏苏州农村商业银行股份有限公司章程》（以下简称"《公司章程》"） 的规定，江苏世纪同仁律师事务所（以下简称"本所"）受江苏苏州农村商业银 行股份有限公司（以下简称"公司"）委托，指派本所律师出席公司 2025 年第一 次临时股东大会（以下简称"本次股东大会"），并就本次股东大会相关事项出 具本法律意见书。 为出具本法律意见书，本所律师对本次股东大会所涉及的有关事项进行了审 查，查阅了相关会议文件，并对有关问题进行了必要的核查和验证。 本所同意将本法律意见书作为本次股东大会的公告材料，随同其他会议文件 一并报送有关机构并公告。除此以外，未经本所同意，本法律意见书不得为任何 其他人用于任何其他目的。 本所律师根据相关法律、法规和规范性文件的要求，按照律师行业公认的业 务标准、道德规范和勤勉尽责精神，出具法律意见如下： 一、 ...

Core Viewpoint - The banking industry is facing significant pressure as net interest margins have fallen below non-performing loan ratios for the first time, indicating a critical need for banks to diversify their income sources beyond interest income [1][2][4]. Group 1: Financial Performance Indicators - In Q1, the net interest margin for Chinese commercial banks decreased to 1.43%, down 9 basis points from the previous quarter, while the non-performing loan ratio rose to 1.51%, an increase of 0.01 percentage points [2][4]. - Among the major banks, state-owned banks had the lowest non-performing loan ratios at 1.22% and 1.23%, while rural commercial banks faced the highest at 2.86% [4]. - A total of 9 out of 42 listed banks reported net interest margins lower than their non-performing loan ratios, highlighting the growing financial strain within the sector [4][5]. Group 2: Challenges and Market Dynamics - The banking sector is experiencing ongoing challenges due to declining asset quality, which is affecting profitability and the ability to cover costs associated with credit, operations, and capital [4][6]. - Analysts indicate that the pressure on net interest margins is exacerbated by weak credit demand and a shift towards lower-yielding short-term loans, leading to a decline in asset yields [6][7]. - The average net interest margin for listed banks has been on a downward trend for five consecutive years, with many banks now below the 1.8% warning line set by market pricing mechanisms [7][8]. Group 3: Strategic Responses - To address the challenges posed by low interest rates, banks are encouraged to diversify their income sources, focusing on non-interest income and other financial services [8][9]. - Recommendations include reducing deposit interest subsidies and hidden costs associated with deposits to alleviate margin pressures [8]. - Banks are advised to adopt a more resilient and balanced income structure, optimizing their liabilities and controlling costs to enhance profitability [9].

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。 近日，本行召开了第五届职工（工会会员）代表大会第十八次会议，审议并 通过《关于监事会不再设立后职工监事不再任职的议案》。根据《中华人民共和 国公司法》、中国证券监督管理委员会《关于新<公司法>配套制度规则实施相关 过渡期安排》、国家金融监督管理总局《关于公司治理监管规定与公司法衔接有 关事项的通知》等法律法规、监管制度的相关要求，结合本行实际情况，本行拟 不再设立监事会及其下设专委会，现任职工监事孙开年、许彬、王轩赵自监事会 正式撤销之日起不再担任职工监事。 上述调整自本行《关于不再设立监事会的议案》及《关于修订<公司章程> 的议案》经本行股东大会审议通过，且本行收到国家金融监督管理机构对修订后 的《公司章程》核准批复后生效。在此之前，本行职工监事将依据相关法律法规 继续履行相关职责。 特此公告。 证券代码：603323 证券简称：苏农银行 公告编号：2025-023 江苏苏州农村商业银行股份有限公司 关于监事会不再设立后 ...

Core Viewpoint - Su Nong Bank is planning to issue subordinated capital bonds to enhance its capital adequacy ratio amid transformation pressures and has reduced cash dividends for the second consecutive year to retain profits for capital replenishment [1][2][4]. Group 1: Capital Management - Su Nong Bank intends to issue subordinated capital bonds with a total scale of no more than 1 billion yuan to strengthen its capital base [1][3]. - As of March 2025, the bank's capital adequacy ratio is 12.91%, a decrease of 0.17 percentage points from the end of the previous year [2][3]. - The bank has previously issued subordinated capital bonds in April 2021 and May 2024, with sizes of 500 million yuan and 1 billion yuan, respectively [3]. Group 2: Financial Performance - In 2024, Su Nong Bank reported operating income of 4.174 billion yuan, a year-on-year increase of 3.17%, and a net profit of 1.945 billion yuan, up 11.62% [2][5]. - The bank's cash dividend for 2024 was 330 million yuan, with a cash dividend payout ratio of only 16.98%, marking the lowest in nearly eight years [4][5]. - For Q1 2025, the bank achieved operating income of 1.132 billion yuan, a 3.29% increase year-on-year, and a net profit of 440 million yuan, up 6.19% [6]. Group 3: Strategic Focus - The bank is focusing on retail transformation, with customer assets under management (AUM) exceeding 118 billion yuan and retail deposits surpassing 100 billion yuan [5]. - The bank's management has indicated that the low dividend payout ratio is due to the need to retain profits for capital replenishment and to enhance risk resistance capabilities [5][6]. - The bank's non-performing loan ratio remains stable at 0.90%, with a provision coverage ratio of 420.03% as of March 2025 [6].