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 | --- | --- | --- | |------------------------------|----------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- ...

Financial Performance - The company's operating revenue for Q3 2022 was CNY 969,785,000, representing a year-over-year increase of 7.48%[9] - The net profit attributable to shareholders for the same period was CNY 412,455,000, reflecting a growth of 20.16% compared to the previous year[9] - The basic earnings per share increased by 15.79% to CNY 0.22, while diluted earnings per share rose by 23.53% to CNY 0.21[9] - Total operating income for the first three quarters of 2022 reached CNY 3,054,358, an increase from CNY 2,862,109 in the same period of 2021[34] - Net profit for the first three quarters of 2022 was CNY 1,256,274, compared to CNY 1,045,223 in the same period of 2021, representing an increase of about 20.2%[34] - The basic earnings per share for the first three quarters of 2022 was CNY 0.69, compared to CNY 0.58 in the same period of 2021[35] Assets and Liabilities - Total assets at the end of the reporting period reached CNY 176,155,399,000, marking a 10.98% increase from the end of the previous year[9] - Total assets increased by 10.98% year-on-year to RMB 176,155,399,000 as of September 30, 2022[24] - Total liabilities rose by 11.13% year-on-year to RMB 161,638,897,000 as of September 30, 2022[24] - The total liabilities increased to CNY 161,638,897 from CNY 145,456,427, marking a growth of approximately 11.1%[31] - Shareholder equity grew by 9.41% year-on-year to RMB 14,516,502,000 as of September 30, 2022[24] - The bank's equity attributable to shareholders rose to CNY 14,391,593, up from CNY 13,147,222, indicating an increase of about 9.4%[31] Cash Flow - The net cash flow from operating activities for the year-to-date was CNY 2,470,236,000[9] - Net cash flow from operating activities for the first three quarters of 2022 was CNY 2,470,236 thousand, a significant improvement from a net outflow of CNY 3,327,254 thousand in the same period of 2021[38] - Cash inflow from operating activities totaled CNY 17,602,940 thousand, up from CNY 11,582,417 thousand in the prior year, indicating a year-over-year increase of about 52.2%[38] - The bank's total cash outflow for operating activities was CNY 15,132,704 thousand, which is an increase from CNY 14,909,671 thousand in the previous year[38] Investment and Income - The company experienced a significant increase in investment income, which rose by 138.09% due to increased capital gains[13] - The bank's investment income increased to CNY 380,411 from CNY 159,776 year-over-year, showing a significant growth[34] - Non-recurring gains and losses for the current period amounted to CNY 17,954,000, with a year-to-date total of CNY 38,933,000[12] Shareholder Information - The number of ordinary shareholders at the end of the reporting period was 32,343[16] - The top ten shareholders held a combined 30.77% of the company's shares, with Hengtong Group Co., Ltd. being the largest shareholder at 6.93%[16] Ratios and Returns - The weighted average return on equity for the period was 2.44%, an increase of 0.10 percentage points[9] - The company reported a return on assets of 1.00% and a return on equity of 12.06% for the period[26] - The capital adequacy ratio stood at 12.62% as of September 30, 2022, compared to 12.53% at the end of 2021[26] - Non-performing loan ratio improved to 0.94% from 1.00% year-on-year[26] Deposits and Loans - Total deposits increased by 9.10% year-on-year to RMB 133,792,483,000 as of September 30, 2022[24] - Total loans reached RMB 106,707,371,000, marking a 12.02% increase year-on-year[24] - The total amount of customer loans and advances increased by CNY 11,835,274 thousand, compared to CNY 13,667,120 thousand in the previous year[38] Expenses - The bank's total expenses for the first three quarters were CNY 1,649,034, up from CNY 1,568,433 in the previous year[34]

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 ...

Financial Performance - Total operating income for the first half of 2022 was CNY 2,084,573,000, representing a 6.37% increase compared to the same period last year[15]. - Net profit for the first half of 2022 reached CNY 843,934,000, up 21.28% year-on-year[15]. - Basic earnings per share for the reporting period (January to June) increased to 0.47 CNY, up 20.51% from 0.39 CNY in the same period last year[18]. - Diluted earnings per share rose to 0.42 CNY, reflecting a 20.00% increase compared to 0.35 CNY year-over-year[18]. - The weighted average return on equity improved to 6.19%, an increase of 0.53 percentage points from 5.66% in the previous year[18]. - Total profit for the first half of 2022 was ¥1,002,452, marking a significant increase of 26.60% compared to ¥791,823 in the first half of 2021[36]. - Net profit attributable to shareholders reached CNY 840 million, up CNY 145 million, or 20.89% year-on-year[35]. Asset and Liability Management - Total assets as of June 30, 2022, amounted to CNY 170,268,083,000, reflecting a 7.27% increase from the end of the previous year[16]. - Total liabilities increased to CNY 156,466,188,000 yuan, up from 145,456,427,000 yuan, indicating an increase of about 7.0%[157]. - The bank's total net capital reached 15,364,417 thousand CNY, an increase from 15,064,010 thousand CNY year-over-year[21]. - The capital adequacy ratio stood at 12.63%, slightly down from 12.81% at the end of the previous year[21]. - The bank's total liabilities decreased by 2.79% to CNY 9,532,747 thousand, with interbank deposits showing a decline of 3.66%[68]. Loan and Deposit Growth - Total deposits reached CNY 130,198,451,000, marking a 6.17% increase compared to the previous year[16]. - Total loans increased to CNY 104,442,132,000, which is a 9.64% rise year-on-year[16]. - Retail savings deposits grew to CNY 61.17 billion, an increase of CNY 7.96 billion, or 14.00% from the beginning of the year[30]. - The total loan balance reached CNY 104,442,132, an increase of 9.64% from CNY 95,261,263 at the beginning of the period[54]. - Corporate loans accounted for 60.71% of the total loan balance, increasing from 60.39% year-over-year[54]. Risk Management - The company has effectively managed various risks, including credit risk, market risk, liquidity risk, and operational risk[5]. - The bank does not foresee any significant risks that could impact its operations in the near future[5]. - The non-performing loan ratio decreased to 0.95%, down from 0.98% in the previous year, indicating improved asset quality[18]. - The provision coverage ratio increased to 436.25%, up 24.03 percentage points year-to-date, indicating enhanced asset quality[35]. - The bank's loan loss provisions increased to CNY 4,130,771, reflecting a proactive approach to risk management[59]. Operational Efficiency - The cost-to-income ratio improved to 29.76%, down from 31.32% in the previous year, indicating better operational efficiency[18]. - The bank's net interest margin was recorded at 2.02%, down from 2.13% in the previous year, reflecting competitive market conditions[18]. - The company reported a significant improvement in cash flow from operating activities, with a net cash flow of CNY 3,126,674,000[15]. - Cash flow from operating activities generated a net inflow of RMB 3,126,674, a significant recovery from a net outflow of RMB 3,606,794 in the previous year[174]. Strategic Initiatives - The bank aims to enhance support for small and micro enterprises and promote green finance as part of its strategic goals[25]. - The company launched a new supply chain finance product to meet the financial needs of corporate clients[29]. - The bank successfully issued the first green + rural revitalization debt financing plan in the province, enhancing its market innovation position[89]. - The company has actively developed online financial products to enhance service efficiency and reduce resource consumption[97]. - The company has integrated ESG principles into its management practices to enhance governance and reduce risks[97]. Shareholder Information - Total number of common shareholders as of the end of the reporting period is 35,560[124]. - The top shareholder, Hengtong Group Co., Ltd., holds 124,959,048 shares, representing 6.93% of total shares[124]. - The report indicates that there were no changes in the number of shares held by the top shareholders during the reporting period[124]. - The company has not disclosed any relationships or concerted actions among the top shareholders[127]. Legal and Compliance - As of June 30, 2022, the company has 110 pending lawsuits as the plaintiff, involving a total amount of RMB 212.51 million[107]. - The bank has completed self-inspection and rectification work for compliance risk management during the reporting period[87]. - The bank's financial statements are prepared based on the assumption of going concern, with no significant doubts regarding its ability to continue operations[198].

1 证券代码：603323 证券简称：苏农银行 公告编号：2022-026 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 4 月 1 日至 2022 年 6 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 23 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 | 2022 年 4 月 28 日 | 特定对象调研 | 天 ...

Financial Performance - The company's operating income for Q1 2022 was CNY 977,535,000, representing a year-on-year increase of 6.35%[7] - The net profit attributable to shareholders for Q1 2022 was CNY 308,367,000, reflecting a growth of 21.36% compared to the same period last year[7] - The basic earnings per share for Q1 2022 was CNY 0.17, up by 21.43% year-on-year[7] - Total operating revenue for Q1 2022 was 977,535, an increase from 919,210 in Q1 2021, representing a growth of approximately 6.7%[27] - Net interest income for Q1 2022 reached 820,654, up from 777,452 in Q1 2021, indicating a year-over-year increase of about 5.5%[27] - The company reported a basic earnings per share of 0.17 for Q1 2022, up from 0.14 in Q1 2021, indicating a growth of about 21.4%[28] - The company’s investment income for Q1 2022 was 112,439, significantly higher than 54,403 in Q1 2021, representing an increase of approximately 106.5%[27] - The total comprehensive income for Q1 2022 was 372,242, compared to 344,485 in Q1 2021, reflecting an increase of about 8.1%[28] Cash Flow and Liquidity - The net cash flow from operating activities increased by 44.35% to CNY 798,683,000 in Q1 2022[7] - Net cash flow from operating activities for Q1 2022 was 798,683, an increase of 44.4% compared to 553,291 in Q1 2021[30] - Total cash inflow from investment activities was 28,107,905, up from 19,253,224 in the previous year, representing a growth of 46.0%[30] - Net cash flow from investment activities was -1,886,583, an improvement from -2,773,461 in Q1 2021[30] - Cash inflow from financing activities totaled 2,780,000, a decrease of 48.7% compared to 5,422,744 in Q1 2021[30] - Net cash flow from financing activities was 600,228, down 42.3% from 1,042,555 in the same quarter last year[30] - The net increase in cash and cash equivalents was -484,216, compared to -1,182,990 in Q1 2021, showing a significant reduction in cash outflow[30] - The balance of cash and cash equivalents at the end of the period was 3,609,864, down from 4,621,252 at the end of Q1 2021[30] Assets and Liabilities - Total assets at the end of Q1 2022 reached CNY 163,942,607,000, a 3.29% increase from the end of the previous year[7] - Total assets as of March 31, 2022, amounted to 163,942,607, an increase from 158,724,694 as of December 31, 2021, showing a growth of about 3.9%[23] - Total liabilities rose to RMB 150,302,095 thousand, reflecting a 3.33% increase from RMB 145,456,427 thousand[17] - Total liabilities increased to 150,302,095 as of March 31, 2022, compared to 145,456,427 at the end of 2021, marking an increase of approximately 4.0%[23] - Total deposits reached RMB 124,758,492 thousand, up by 1.73% from RMB 122,636,757 thousand[17] Shareholder Information - The total number of ordinary shareholders at the end of the reporting period was 33,379[13] - The top shareholder, Hengtong Group Co., Ltd., held 124,959,048 shares, accounting for 6.93% of the total shares[13] Risk and Capital Management - The non-performing loan ratio improved to 0.99%, down from 1.00% in the previous period[18] - The capital adequacy ratio increased to 12.90%, compared to 12.74% at the end of the previous year[18] - The coverage ratio for provisions reached 420.09%, an increase from 412.22% in the previous period[18] - The bank's leverage ratio stood at 6.42%, slightly up from 6.34% at the end of the previous year[18] Operational Highlights - The company recognized government subsidies amounting to CNY 6,663,000, which are closely related to its normal business operations[8] - The loan balance in Suzhou region was RMB 70,679,770 thousand, accounting for 71.69% of the total loan balance[17] - Retail loans grew to RMB 25,414,962 thousand, marking a 4.14% increase from RMB 24,403,707 thousand[17] - The bank conducted 11 investor meetings during the reporting period, engaging with 15 institutions on January 12, 2022[15] - Customer deposits and interbank deposits increased by 2,344,167, compared to 6,535,908 in the previous year, indicating a decline of 64.1%[30] - The net increase in customer loans and advances was 3,368,149, up from 2,415,243 in Q1 2021, reflecting a growth of 39.5%[30] - The cash received from investment recoveries was 27,811,789, significantly higher than 18,928,477 in the same quarter last year, marking a growth of 46.5%[30]

Financial Performance - The company's operating revenue for 2021 was CNY 3,834,238, an increase of 2.17% compared to CNY 3,752,835 in 2020[20]. - Net profit for 2021 reached CNY 1,161,439, reflecting a growth of 21.13% from CNY 958,828 in 2020[20]. - The total assets at the end of 2021 amounted to CNY 158,724,694, representing a 13.83% increase from CNY 139,440,364 in 2020[20]. - The company's net assets attributable to shareholders increased by 9.38% to CNY 13,147,222 at the end of 2021, up from CNY 12,020,228 in 2020[20]. - The loan total for 2021 was CNY 95,261,263, which is a 21.26% increase from CNY 78,558,537 in 2020[20]. - The basic earnings per share for 2021 was CNY 0.64, up 20.75% from CNY 0.53 in 2020[23]. - The capital adequacy ratio stood at 12.99%, exceeding the regulatory requirement of 10.5%[23]. - The non-performing loan ratio was reported at 1.00%, which is below the regulatory limit of 5%[23]. - The weighted average return on equity increased to 9.31%, up from 8.07% in 2020[23]. - Operating income reached CNY 3.834 billion, with net profit attributable to shareholders at CNY 1.160 billion, a year-on-year growth of 21.96%[31]. Risk Management - The company has taken measures to effectively manage and control various risks, including credit, market, liquidity, and operational risks[8]. - The company has no foreseeable major risks and has not engaged in non-operational fund occupation by controlling shareholders[8]. - The bank's loan balance and risk exposure to related natural persons amounted to CNY 29.97 million as of the end of the reporting period[104]. - The bank has implemented a comprehensive credit risk management strategy, including the establishment of a dynamic risk control and structural adjustment client list, which allows for effective risk mitigation[91]. - The liquidity risk management framework has been revised to enhance monitoring and forecasting of liquidity gaps across various business lines[92]. Corporate Governance - The company held 2 shareholder meetings during the reporting period, passing 16 resolutions[113]. - The board of directors consists of 14 members, including 4 executive directors and 10 non-executive directors, complying with regulatory requirements[114]. - The supervisory board conducted 5 special inspections and meetings, passing 21 resolutions related to financial reports and internal controls[115]. - The bank's specialized committees held 23 meetings, approving 112 resolutions, indicating active governance[116]. - The company has not identified any major differences in corporate governance compared to regulations set by the China Securities Regulatory Commission[121]. Employee Development - The company is focused on building a learning organization to improve talent quality and optimize talent structure[160]. - The company has a training plan in place to support employee development[159]. - The company organized a total of 108 training sessions in 2021, with an average of 159.53 hours of training per employee[160]. - The company has established a market-oriented human resource management system, including performance and salary management mechanisms to promote sustainable development[158]. Market Expansion and Strategy - The company plans to expand its market presence, as indicated by the approval of a proposal to change its registered address during the first extraordinary general meeting[122]. - The company plans to expand its market presence in key regions, targeting a 15% increase in market share over the next year[127]. - The bank launched the "Smart Manufacturing Loan" product to support industrial enterprises' intelligent transformation and digitalization[105]. - The bank is committed to supporting rural revitalization through tailored financial services and has identified significant growth opportunities in this area[106]. Green Finance Initiatives - The company's green finance initiatives were recognized, being awarded as a "demonstration financial institution for green finance innovation" in Jiangsu Province[35]. - The bank's green loan balance reached 2.879 billion yuan, with an increase of 733 million yuan, representing a growth rate of 34.16% compared to the beginning of the year[172]. - The bank successfully issued Jiangsu province's first cultural tourism rural revitalization bond financing plan, enhancing its support for the real economy[176]. - The bank's green credit system was optimized to strengthen environmental risk control and ensure compliance with environmental standards for new loans[172]. Dividend Policy - The company plans to distribute a cash dividend of RMB 1.6 per 10 shares (including tax) based on the total share capital on the dividend record date[6]. - The company plans to distribute at least 10% of the distributable profits as cash dividends in any given year from 2020 to 2022, with a cumulative distribution of no less than 30% of the average annual distributable profits over the last three years[162]. Financial Technology and Innovation - The bank's financial technology strategy focuses on product onlineization, business platformization, operational digitalization, and service ecologicalization[105]. - The bank developed the "Credit E-Loan" product to enhance user experience and optimize non-contact financial service scenarios[105]. - The bank successfully integrated digital RMB applications, becoming one of the first rural commercial banks to do so[31]. Community Engagement - The bank donated a total of 3.398 million yuan to support local economic and social development, receiving multiple awards for its charitable contributions[176]. - The bank's volunteer service program engaged over 2,000 participants in various community support activities throughout the year[176].

Financial Performance - Operating income for Q3 2021 was CNY 902,300,000, an increase of 2.83% year-on-year[6] - Net profit attributable to shareholders for Q3 2021 reached CNY 343,250,000, up 18.17% compared to the same period last year[6] - Basic earnings per share for Q3 2021 were CNY 0.19, reflecting an increase of 18.75% year-on-year[6] - Net profit for the first three quarters of 2021 reached CNY 1,045,223 thousand, a significant increase of 18.1% compared to CNY 884,739 thousand in the same period of 2020[40] - Net interest income rose to CNY 2,366,880 thousand, up from CNY 2,279,717 thousand year-over-year, reflecting a growth of 3.8%[40] - Total operating income for the first three quarters of 2021 was CNY 2,862,109 thousand, an increase of 2.2% from CNY 2,801,972 thousand in the previous year[40] - Basic earnings per share improved to CNY 0.58, up from CNY 0.49 in the same period last year, reflecting enhanced profitability[42] Assets and Liabilities - Total assets as of September 30, 2021, amounted to CNY 153,429,402,000, representing a growth of 10.03% from the end of 2020[6] - Total liabilities rose by 10.18% to RMB 140,263,644,000, up from RMB 127,300,176,000 year-over-year[22] - Total assets increased by 10.03% to RMB 153,429,402,000 as of September 30, 2021, compared to RMB 139,440,364,000 at the end of 2020[22] - The bank's total liabilities increased to CNY 140,263,644 thousand, compared to CNY 127,300,176 thousand at the end of 2020, marking a rise of approximately 10.2%[35] Shareholder Information - Shareholders' equity attributable to the parent company was CNY 13,038,592,000, an increase of 8.47% from the end of 2020[6] - The bank's equity attributable to shareholders reached CNY 13,038,592 thousand, up from CNY 12,020,228 thousand, indicating a growth of 8.4%[36] - The bank's total number of ordinary shareholders at the end of the reporting period was 33,022[18] - The top shareholder, Hengtong Group Co., Ltd., held 124,959,048 shares, accounting for 6.93% of total shares[18] Loan and Deposit Growth - Total deposits grew by 11.42% to RMB 118,912,221,000, compared to RMB 106,725,338,000 at the end of 2020[22] - Total loans increased by 17.25% to RMB 92,107,027,000, up from RMB 78,558,537,000 year-over-year[22] - Retail loans surged by 28.75% to RMB 24,126,966,000, compared to RMB 18,739,013,000 at the end of 2020[22] - Net increase in customer deposits and interbank placements reached 11,029,373, compared to 9,081,510 in the same period last year, reflecting a growth of approximately 21.5%[47] - The company reported a net increase in customer loans and advances of 13,667,120, compared to 8,190,604 in the previous year, reflecting a growth of approximately 66.5%[47] Risk Management - The non-performing loan ratio improved to 1.06% from 1.28% in the previous year[27] - The bank's non-performing loan ratio remained stable, reflecting effective risk management strategies in place[40] - The coverage ratio for non-performing loans increased to 370.09% from 305.31% year-over-year[27] Cash Flow and Investment - The net cash flow from operating activities for the first nine months of 2021 was CNY -3,327,254,000[6] - Net cash flow from operating activities was -3,327,254, a significant decline from 9,105,049 in the previous year, indicating a negative shift in operational cash flow[47] - Cash inflow from investment activities totaled 67,446,345, up from 43,128,998, marking an increase of about 56.5% year-over-year[47] - Net cash flow from financing activities improved to 1,409,831, compared to a negative 4,438,396 in the same period last year, showing a recovery in financing operations[47] - The total cash and cash equivalents at the end of the period stood at 4,491,960, an increase from 3,956,504 year-over-year[47] - The net cash flow from investment activities was 607,317, a significant turnaround from -6,802,716 in the previous year, indicating improved investment management[47] Capital Adequacy - The capital adequacy ratio stood at 12.96%, compared to 12.81% at the end of 2020[28] - Core Tier 1 capital adequacy ratio was 10.72%, unchanged from the previous quarter[28] - The bank's leverage ratio was 6.43% as of September 30, 2021, up from 6.33% in the previous quarter[29] Other Income - The bank's investment income decreased by 57.55% due to reduced gains from trading financial assets[12] - The bank reported a significant increase in fee and commission income, which rose to CNY 160,770 thousand from CNY 104,836 thousand, representing a growth of 53.4%[40] - The bank's other comprehensive income after tax increased to CNY 250,801 thousand, compared to a loss of CNY 125,265 thousand in the previous year[42] Currency Impact - The impact of exchange rate changes on cash and cash equivalents was -2,174, contrasting with a positive impact of 7,379 in the previous year, highlighting currency volatility effects[47]