| 股票代码：603323 | 股票简称：苏农银行 | 公告编号：2023-037 | | --- | --- | --- | | 转债代码：113516 | 转债简称：苏农转债 | | 江苏苏州农村商业银行股份有限公司关于收购 江苏靖江润丰村镇银行股份有限公司 部分股东股份的进展公告 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： 一、本次收购概述 （一）本次收购的基本情况 为进一步加强对靖江润丰村镇银行控制，提升决策管理效率，增强市场竞争 力，本行拟以 1.74 元/股（该行 2021 年度经审计每股净资产）收购靖江润丰村 镇银行部分股东的股权。本次收购完成后，本行持有靖江润丰村镇银行股权比例 由 54.33%增加至 99.71%。 1 2022 年 6 月 13 日，本行第六届董事会第十次临时会议审议通过《关于收购 靖江润丰村镇银行部分股东股份的议案》，独立董事发表了同意的独立意见；鉴 于本事项的特例性并结合行业监管机构的要求，本行出于谨慎性考虑， ...

Financial Performance - Total operating income for the first half of 2023 reached CNY 2,095,568,000, a slight increase of 0.53% compared to CNY 2,084,573,000 in the same period last year[20] - Net profit for the first half of 2023 was CNY 974,090,000, representing a growth of 15.42% from CNY 843,934,000 year-on-year[20] - Basic earnings per share increased by 14.89% to CNY 0.54 compared to the same period last year[23] - Diluted earnings per share rose by 14.29% to CNY 0.48 year-on-year[23] - The net profit attributable to shareholders was CNY 968.30 million, representing a year-on-year increase of 15.29%[48] Asset and Liability Management - Total assets as of June 30, 2023, amounted to CNY 199,192,992,000, reflecting a 10.49% increase from CNY 180,277,961,000 at the end of the previous year[22] - Total deposits reached CNY 154,438,803,000, up 10.47% from CNY 139,804,680,000 year-on-year[22] - Total loans increased to CNY 120,306,912,000, marking a growth of 10.33% compared to CNY 109,047,067,000 in the previous year[22] - The bank's total assets reached CNY 66,606,314 thousand, an increase from CNY 58,267,322 thousand at the beginning of the period, indicating strong growth in asset base[95] - The bank's customer deposits reached CNY 154,438,803 thousand, an increase from CNY 139,804,680 thousand at the end of 2022, reflecting a growth of about 10.4%[98] Risk Management - The bank has effectively managed various risks, including credit risk, market risk, liquidity risk, and operational risk, as stated in the risk management section of the report[6] - The company has not reported any significant foreseeable risks that could impact its operations in the near future[6] - Non-performing loan ratio decreased to 0.92%, down from 0.93% in the previous period[23] - The migration rate for normal loans was 0.02%, a decrease from 0.05% in 2022, indicating improved loan quality[89] - The bank's loan loss provisions increased to CNY 4,742,427 thousand, up from CNY 4,337,644 thousand at the end of 2022, reflecting a proactive approach to risk management[88] Capital Adequacy - Capital adequacy ratio stood at 12.33%, exceeding the regulatory minimum of 10.5%[26] - Core Tier 1 capital adequacy ratio was 10.46%, above the required 7.5%[26] - The bank's core Tier 1 capital reached CNY 14,867,380,000, reflecting a 9.24% increase from CNY 13,609,230,000 year-on-year[22] Operational Efficiency - The net cash flow from operating activities for the first half of 2023 was CNY 8,081,337,000, a significant increase of 158.46% from CNY 3,126,674,000 in the same period last year[20] - The average cost of active liabilities decreased compared to the same period last year, reflecting improved liquidity management[44] - Total operating expenses increased by 6.37% to RMB 659,805,000 in H1 2023 from RMB 620,288,000 in H1 2022[64] Wealth Management and Customer Engagement - The total scale of wealth management products reached CNY 17.497 billion as of June 30, 2023, with a revenue of CNY 48.985 million generated from wealth management intermediary services in the first half of 2023[125] - The number of high-end clients increased by 10.11%, while the Assets Under Management (AUM) for high-end clients grew by 16.49% during the reporting period[125] - The company has expanded its wealth management product offerings to meet customer investment needs and enhance wallet share[125] Digital Transformation and Innovation - The company aims to enhance its digital transformation through a new IT architecture and financial cloud platform[38] - The company launched the "Su Zhi Loan" product to enhance financial services for enterprise quality improvement, technology transformation, and equipment updates[138] - The company issued digital RMB loans amounting to CNY 3.683 billion, with 5,700 new personal wallet card bindings and 1,864 corporate wallet openings in the first half of 2023[139] Community and Social Responsibility - The company has issued credit to 4,798 rural women under the "Rural Revitalization Women's Loan" program, totaling 810 million RMB as of June 2023[154] - The "Jiangcun Yizhan" initiative has conducted 4 community service events benefiting over 1,600 villagers in the first half of 2023[154] - The bank has helped 10,297 low-income individuals through indirect poverty alleviation efforts in the first half of 2023[153] Shareholder Information - Total number of ordinary shareholders as of the end of the reporting period is 34,885[172] - The largest shareholder, Hengtong Group Co., Ltd., holds 124,959,048 shares, accounting for 6.93% of total shares[174] - The report indicates no changes in the total number of shares and capital structure during the reporting period[171]

证券代码：603323 证券简称：苏农银行 公告编号：2023-034 江苏苏州农村商业银行股份有限公司 第六届监事会第十五次会议决议公告 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"）监事 会及全体监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。 本行第六届监事会第十五次会议于 2023 年 8 月 25 日在本行东太湖办公大 楼 427 会议室（苏州市吴江区东太湖大道 10888 号）以现场会议方式召开，会议 通知已于 2023 年 8 月 14 日以邮件方式发出。本次会议应到监事 9 名，实际到会 监事 9 名。会议由监事长吴大刚先生主持。会议符合《公司法》及《公司章程》 的规定，会议所形成的决议合法、有效。 监事会对本行 2023 年半年度报告及摘要进行了审核，并出具如下审核意见： 1、《2023 年半年度报告及摘要》的编制和审议程序符合有关法律、法规、公 司章程和公司相关内部管理制度的规定； 2、《2023 年半年度报告及摘要》的内容与格式符合中国证监会和证券交易 所的各项规定，所包含的信息真实反映出公司报告期内的经营管 ...

证券代码：603323 证券简称：苏农银行 公告编号：2023-035 江苏苏州农村商业银行股份有限公司 关于召开 2023 年半年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： 会议召开时间：2023 年 9 月 12 日(星期二)上午 11:00-12:00 会 议 召 开 地 点 ： 上 海 证 券 交 易 所 上 证 路 演 中 心 （ 网 址 ： http://roadshow.sseinfo.com/） 会议召开方式：上证路演中心网络互动 投资者可于 2023 年 9 月 5 日(星期二) 至 9 月 11 日(星期一)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 8 月 29 日发布《2023 年半年度报告》，为便于广大投资者 更全面深入地了解本行 2023 年半年度经营 ...

江苏苏州农村商业银行股份有限公司 第六届董事会第十六次会议决议公告 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。 证券代码：603323 证券简称：苏农银行 公告编号：2023-033 同意 13 票；弃权 0 票；反对 0 票。 三、关于制定 2023 年度恢复计划和处置计划建议的议案 同意 13 票；弃权 0 票；反对 0 票。 四、关于修订《集中度风险管理办法》的议案 同意 13 票；弃权 0 票；反对 0 票。 五、关于制定《2023-2027 年人力资源规划》的议案 同意 13 票；弃权 0 票；反对 0 票。 会议还听取了《2023 年上半年经营情况报告》《2023 年上半年全面风险管 理报告》《2023 年上半年资产质量分类报告》《2023 年上半年合规报告》《2023 年上半年内部审计工作报告》等报告。 本行第六届董事会第十六次会议于 2023 年 8 月 25 日在本行东太湖办公大 楼 411 会议室（苏州市吴江区东太湖大道 10888 号）以现场会 ...

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].

Financial Performance - Total revenue for Q1 2023 reached RMB 991 million, an increase of 1.38% compared to the same period last year[7] - Net profit attributable to shareholders was RMB 357.6 million, reflecting a growth of 15.96% year-on-year[7] - Basic earnings per share (EPS) stood at RMB 0.20, up by 17.65% from the previous year[7] - Net profit for Q1 2023 reached CNY 358,781 thousand, an increase of 15.4% compared to CNY 310,937 thousand in Q1 2022[34] - Total operating income for Q1 2023 was CNY 991,000 thousand, up from CNY 977,535 thousand in Q1 2022, reflecting a growth of 1.4%[34] - Interest income rose to CNY 1,681,936 thousand in Q1 2023, compared to CNY 1,540,223 thousand in Q1 2022, marking an increase of 9.2%[34] - Basic earnings per share for Q1 2023 were CNY 0.20, up from CNY 0.17 in Q1 2022, reflecting a growth of 17.6%[35] - The bank's investment income for Q1 2023 was CNY 111,671 thousand, slightly down from CNY 112,439 thousand in Q1 2022[34] - The bank's other comprehensive income after tax for Q1 2023 was CNY 140,302 thousand, compared to CNY 61,305 thousand in Q1 2022, showing a significant increase of 129.0%[34] Cash Flow and Liquidity - Net cash flow from operating activities surged to RMB 7.64 billion, a significant increase of 856.35%[7] - Net cash flow from operating activities for Q1 2023 was 7,638,220, a significant increase from 798,683 in Q1 2022, reflecting strong operational performance[38] - Total cash inflow from investment activities decreased to 17,293,036 in Q1 2023 from 28,107,905 in Q1 2022, indicating a decline in investment recovery[38] - Net cash flow from financing activities was -1,955,378 in Q1 2023, compared to a positive 600,228 in Q1 2022, highlighting increased cash outflows related to debt repayment[38] - The ending balance of cash and cash equivalents decreased to 4,016,602 in Q1 2023 from 3,609,864 in Q1 2022, showing a reduction in liquidity[39] - Cash inflow from customer deposits and interbank placements increased significantly to 8,161,513 in Q1 2023 from 2,344,167 in Q1 2022, indicating strong customer confidence[38] - The net increase in cash and cash equivalents for Q1 2023 was -507,628, compared to -484,216 in Q1 2022, indicating ongoing challenges in cash management[39] Assets and Liabilities - Total assets at the end of the reporting period amounted to RMB 190.52 billion, representing a 5.68% increase from the end of the previous year[7] - Total assets increased to RMB 190,515,670, representing a growth of 5.68% from RMB 180,277,961 as of December 31, 2022[17] - Total liabilities rose to RMB 175,688,358, up by 5.87% compared to RMB 165,949,735 at the end of 2022[17] - The bank's total liabilities increased to CNY 175,688,358 thousand as of March 31, 2023, from CNY 165,949,735 thousand at the end of 2022, a rise of approximately 5.2%[32] - The bank's total equity increased to CNY 14,827,312 thousand as of March 31, 2023, compared to CNY 14,328,226 thousand at the end of 2022, indicating a growth of about 3.5%[32] Shareholder Information - The number of ordinary shareholders at the end of the reporting period was 34,773[12] - The largest shareholder, Hengtong Group Co., Ltd., held 124.96 million shares, accounting for 6.93% of total shares[12] Operational Efficiency - The weighted average return on equity (ROE) was 2.34%, an increase of 0.06 percentage points[7] - The cost-to-income ratio decreased to 31.00%, down from 34.10% in the previous period[24] - The bank conducted 10 investor meetings from January 1 to March 31, 2023, to enhance communication with stakeholders[15] - The capital adequacy ratio improved to 12.02%, compared to 11.92% at the end of 2022[26] - Core Tier 1 capital adequacy ratio was reported at 10.09%, consistent with the previous quarter[26] - The bank's non-performing loan ratio stood at 0.94%, slightly down from 0.95% at the end of 2022[24] - Retail loans remained stable at RMB 27,559,618, showing no significant change from the previous period[17] Other Financial Metrics - Non-recurring gains and losses totaled RMB 17.24 million after tax adjustments[9] - Significant changes in financial data included a 130.07% increase in other assets due to changes in clearing funds[10] - The net increase in loans and advances to customers was 2,789,003 in Q1 2023, down from 3,368,149 in Q1 2022, suggesting a slowdown in lending growth[38]

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 ...