1、 专项审计报告 2、 附表 关于江苏苏州农村商业银行股份有限公司 非经营性资金占用及其他关联资金往来情况 汇总表的专项审计报告 目 录 委托单位：江苏苏州农村商业银行股份有限公司 审计单位：安永华明会计师事务所（特殊普通合伙） 联系电话：010-58153000 Ernst & Young Hua Ming LLP Level 17. Frnst & Young Tower Oriental Plaza. 1 East Chang An Avenue Donachena District elling, China 100738 安永华明会计师事务所(特殊普通合伙) 中国北京市东城区东长安街1号 东方广场安永大楼 17 层 邮政编码:100738 Tel 电话:+86 10 5815 3000 Fax 传真· +86 10 8518 8298 非经营性资金占用及其他关联资金往来情况的专项说明 安永华明(2025) 专字第70031388 B02号 江苏苏州农村商业银行股份有限公司 江苏苏州农村商业银行股份有限公司董事会: 我们审计了江苏苏州农村商业银行股份有限公司(以下简称"苏农银行")的2024年度 财 ...

独立董事闫长乐 2024 年度述职报告 本人 2024 年度担任江苏苏州农村商业银行股份有限公司 （以下简称"公司"）的独立董事，兼任董事会廉洁与伦理委员 会主任委员、战略及三农委员会委员、绿色金融委员会委员。严 格按照《中华人民共和国公司法》《银行保险机构公司治理准则》 《上市公司独立董事管理办法》等法律法规、规范性文件及《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"） 等相关规定和要求，履行独立董事的职责，发挥独立董事的作用， 勤勉尽责，努力维护公司的整体利益，维护全体股东尤其是中小 股东的合法权益。现将本人 2024 年度履行独立董事职责的情况 汇报如下： 一、基本情况 本人出生年月为 1963 年 3 月，现任北京邮电大学经济管理 学院教授，公司治理专家。本人不存在影响独立董事独立性的情 况，能够独立履行职务，遵守信息披露规定和重大事项报告规定， 不存在与公司利益发生冲突情形，符合各项监管要求。 二、年度履职概况 （一）参加股东大会、董事会、董事会各专门委员会会 议情况 2024 年度，本人亲自出席公司召开的股东大会 1 次，董事 会会议 4 次，董事会专门委员会会议 8 次，无委托 ...

4月29日晚间，苏农银行（603323）披露了2024年年报及2025年一季度报告，向外界展示过去一年多的 经营成果。 数据显示，2024年，苏农银行实现营业收入41.74亿元，同比增长3.17%；实现归母净利润19.45亿元， 同比增长11.62%。今年第一季度，苏农银行实现营业收入11.32亿元，同比增长3.29%，实现归母净利润 4.40亿元，同比增长6.19%。收入、利润继续保持双增态势。 2024年是苏农银行改制成立二十周年，过去一年，苏农银行围绕"三一五"发展战略规划和"三个银行"愿 景，践行金融使命、深耕主责主业，开创了苏农事业发展新局面。 2024年分红预案中，苏农银行除了每10股派发1.8元的现金分红外，今年新增资本公积转增股本，每10 股转增1股，此外增加了2025年中期分红相关安排，努力提升投资者获得感，践行上市公司责任。 各项规模指标再上新台阶 截至2024年末，苏农银行总资产突破2100亿元，达2139.87亿元，较2024年初增加114.22亿元，增长 5.64%。截至今年一季度末，苏农银行总资产再上新台阶，达2218.90亿元。 存贷款方面，截至2024年末，苏农银行各项存款总额 ...

Group 1 - The core viewpoint of the article highlights that Su Nong Bank (603323) reported a revenue of 1.132 billion yuan in the first quarter of 2025, reflecting a year-on-year growth of 3.29% [1] - The net profit for the same period was 440 million yuan, showing a year-on-year increase of 6.19% [1]

据国家金融监督管理总局江苏监管局网站4月10日发布，苏州监管分局、宿迁监管分局行政处罚信息公 开表显示，张家港农商行、太仓农商行、苏州农商行、昆山农商行沭阳支行等四家农商行及相关个人， 合计罚款247万元，所涉问题包括理财投资与自营投资风险未完全分离等。此外，邮储银行（601658） 宿迁市分行及相关个人合计被罚款83万元，所涉问题包括个人贷款管理不到位、流动资金贷款管理不到 位等。 | 序 | 当事人名 | 行政处罚决定 | 主要违法违规行为 | 行政处罚 | 作出决定 | | --- | --- | --- | --- | --- | --- | | 름 | 称 | 书文号 | | 内容 | 机关 | | 1 | 江苏张家 港农村商 业银行股 | 苏州金罚决字 | 理财投资与自营投资 | 罚款30 | 办州金融 | | | 份有限公 | 〔2025〕 3号 | 风险未完全分离 | 万元 | 监管分局 | | | 司 | | | | | 图源 国家金融监督管理总局江苏监管局网站 江苏张家港农村商业银行股份有限公司，被苏州金融监管分局决定罚款30万元，主要违法违规行为是理 财投资与自营投资风险未完全分离。 图 ...

证券代码：603323 证券简称：苏农银行 公告编号：2025-005 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"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。 本行于 2025 年 1 月 1 日至 2025 年 3 月 31 日期间，通过现场调研、电话会 议等形式共接待投资者调研 11 场次，现将主要情况公告如下： 答：年初，人民银行工作会议明确 2025 年将实施适度宽松的货币政 策，将根据国内外经济金融形势和金融市场运行情况，择机降准降息，因 此银行存款利率有望进一步下降。随着利率市场化改革的深入推进，本行 在存款利率定价方面的敏感性不断增强，辅之以对存款期限结构的持续调 整，预计存款端成本与效益将得到更好地平衡。此外，随着金融科技的不 断发展，本行在存款营销及服务方面的创新也将进一步节约存款端的综合 运营成本。 四、作为金融服务的"五篇大文章"之一，贵行在科技金融方面有何 新尝试吗？ | 序号 | 调研时间 | | 调研类别 | 参与 ...

Investment Rating - The report maintains a "Buy" rating for Su Nong Bank with a target price of RMB 6.38 [9][11]. Core Views - Su Nong Bank's 2024 revenue and net profit are expected to grow by 3.0% and 10.5% year-on-year, respectively, indicating a stable performance despite slight declines in growth rates compared to previous quarters [1]. - The bank's asset quality is stable, with a slight decrease in the non-performing loan (NPL) ratio, and a clear development strategy with significant urban expansion potential [1][5]. - The report anticipates a gradual improvement in credit demand driven by a package of policies aimed at economic recovery [2]. Summary by Sections Financial Performance - As of the end of 2024, Su Nong Bank's total assets, loans, and deposits are projected to increase by 5.3%, 5.8%, and 8.0% year-on-year, respectively [2]. - The bank's return on equity (ROE) is expected to slightly decline to 11.30% in 2024, with fluctuations in quarterly profits [4]. Asset Quality - The NPL ratio is projected to be 0.76% at the end of 2024, with a provision coverage ratio of 389%, indicating solid risk mitigation capabilities [3]. - The proportion of special mention loans has increased to 1.23%, reflecting ongoing retail risks [3]. Profitability and Valuation - The report forecasts net profits for 2024, 2025, and 2026 to be RMB 1.926 billion, RMB 2.118 billion, and RMB 2.353 billion, respectively, with year-on-year growth rates of 10.5%, 10.0%, and 11.0% [5]. - The target price corresponds to a price-to-book (PB) ratio of 0.60 for 2025, reflecting the bank's growth potential and strategic clarity [5].

Investment Rating - The report maintains a "Buy" rating for the company [2][8] Core Insights - The company achieved a revenue of 4.17 billion yuan in 2024, representing a year-on-year growth of 3.0%, while the net profit attributable to shareholders reached 1.93 billion yuan, up 10.5% year-on-year [5][8] - The non-performing loan (NPL) ratio decreased to 0.90% in Q4 2024, indicating stable asset quality, with a provision coverage ratio of 425% [5][8] - Credit growth was steady, with loans increasing by 5.8% year-on-year, and deposits growing by 8.0% [5][8] Financial Data and Earnings Forecast - The total operating income for 2024 is projected at 4.17 billion yuan, with a year-on-year growth rate of 2.99% for 2025 and 4.70% for 2026 [6][11] - The net profit attributable to shareholders is expected to grow by 10.53% in 2024, 9.61% in 2025, and 10.85% in 2026 [6][11] - The company’s price-to-book (P/B) ratio is currently at 0.51, indicating potential undervaluation [8][13] Performance Comparison - The company’s stock closed at 5.29 yuan, with a market capitalization of 9.707 billion yuan [2][13] - The company’s dividend yield stands at 3.40%, which is competitive within the banking sector [2][13] - Compared to its peers, the company maintains a favorable return on equity (ROE) of 11.44% for 2024 [13]

Investment Rating - The investment rating for the company is "Neutral" [5] Core Views - The company reported a stable overall performance with a 3.0% year-on-year increase in operating income to 4.17 billion yuan and a 10.5% increase in net profit attributable to shareholders to 1.93 billion yuan in 2024 [1][2] - The total assets grew by 5.3% year-on-year to 213.4 billion yuan, with loans increasing by 5.8% to 129.3 billion yuan and deposits rising by 8.0% to 170.2 billion yuan, indicating a strong customer base [1][2] - The company maintained a stable asset quality with a non-performing loan ratio of 0.90% at the end of 2024, a slight decrease from previous periods [2] Summary by Relevant Sections Financial Performance - The company achieved an operating profit of 2.11 billion yuan in 2024, reflecting a 10.8% year-on-year growth, and a total profit of 2.15 billion yuan, up 12.3% year-on-year [2] - The weighted average ROE for 2024 was 11.3%, a decrease of 0.4 percentage points from the previous year [2] Asset Quality - The non-performing loan ratio was 0.90% at the end of 2024, down 0.01 percentage points from both the previous quarter and the beginning of the year [2] - The provision coverage ratio stood at 425%, which decreased by 5 percentage points from the previous quarter and by 28 percentage points from the beginning of the year [2] Earnings Forecast - The forecast for net profit attributable to shareholders for 2024-2026 is adjusted to 1.93 billion, 2.09 billion, and 2.25 billion yuan respectively, with year-on-year growth rates of 10.5%, 8.7%, and 7.5% [3] - The diluted EPS is projected to be 1.05, 1.14, and 1.23 yuan for the same period [3] Valuation Metrics - The current PE ratio is 5.0, 4.6, and 4.3 for the years 2024, 2025, and 2026 respectively, while the PB ratio is 0.6, 0.5, and 0.5 [3]

Investment Rating - The investment rating for the company is "Neutral" [5] Core Views - The company reported a stable overall performance with a 3.0% year-on-year increase in operating income to 4.17 billion yuan and a 10.5% increase in net profit attributable to shareholders to 1.93 billion yuan in 2024 [1][2] - The total assets grew by 5.3% year-on-year to 213.4 billion yuan, with loans increasing by 5.8% to 129.3 billion yuan and deposits rising by 8.0% to 170.2 billion yuan, indicating a strong customer base [1][2] - The company maintained a stable asset quality with a non-performing loan ratio of 0.90% at the end of 2024, a slight decrease from previous periods [2] Summary by Relevant Sections Financial Performance - Operating income for 2024 was 4.17 billion yuan, up 3.0% year-on-year, while net profit attributable to shareholders reached 1.93 billion yuan, reflecting a 10.5% increase [2][4] - The weighted average ROE for 2024 was 11.3%, a decrease of 0.4 percentage points from the previous year [2] Asset Quality - The non-performing loan ratio at the end of 2024 was 0.90%, down 0.01 percentage points from both the previous quarter and the beginning of the year [2] - The provision coverage ratio stood at 425%, showing a decrease of 5 percentage points from the previous quarter and a 28 percentage point decline from the beginning of the year [2] Earnings Forecast - The forecast for net profit attributable to shareholders for 2024-2026 is adjusted to 1.93 billion, 2.09 billion, and 2.25 billion yuan respectively, with year-on-year growth rates of 10.5%, 8.7%, and 7.5% [3][4] - The diluted EPS is projected to be 1.05, 1.14, and 1.23 yuan for the years 2024, 2025, and 2026 respectively [3][4]