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].

Core Viewpoint - The launch of the "E Driving Fund" service by Kunshan Rural Commercial Bank aims to address the pain points in the traditional driving training industry, such as fund supervision and student rights protection, by ensuring safe and phased payment of tuition fees through a dual-channel model of mobile banking app and WeChat mini-program [1][2]. Group 1: Service Features - The "E Driving Fund" service enhances user experience and service coverage by providing a one-stop platform for driving and financial services through the mobile banking app, while the WeChat mini-program offers a quick and convenient experience for students [2]. - Users can easily open electronic accounts, manage funds, and track their driving progress through the WeChat mini-program without needing to download the app, ensuring seamless data connectivity between the two platforms [2]. Group 2: Core Advantages - The service ensures safety by keeping tuition fees in a bank-regulated account, releasing funds to driving schools only after students complete corresponding subjects, thus eliminating prepayment risks [3]. - The dual-channel design caters to different user habits, with the app addressing deeper financial needs and the mini-program providing simplified operations, lowering the usage threshold [3]. - The integration of data between the app and mini-program allows for a consistent user experience across platforms, making operations efficient and straightforward [3]. - By introducing bank credit and standardized fund management processes, the "E Driving Fund" promotes transparency and standardization in the driving training industry, enhancing overall service quality and industry credibility [3].

Core Viewpoint - Jiangsu Suzhou Rural Commercial Bank Co., Ltd. is holding a shareholders' meeting to discuss several key resolutions, including the election of an independent director and changes to the governance structure, specifically the proposal to abolish the supervisory board and transfer its responsibilities to the audit committee of the board of directors [1][4][6]. Group 1: Shareholders' Meeting Procedures - The meeting will take place on July 8, 2025, at 14:30 in Suzhou, Jiangsu Province [1]. - Shareholders have the right to vote, speak, and inquire during the meeting, with specific guidelines for participation and time limits for speaking [2][3]. - Voting will be conducted both on-site and online, with each share carrying one vote [2][3]. Group 2: Proposed Resolutions - The first resolution proposes the abolition of the supervisory board, with its functions to be assumed by the audit committee of the board of directors [4][5]. - The second resolution involves changing the registered capital from RMB 1,803,061,543 to RMB 2,018,541,437 due to the conversion of convertible bonds and capital reserve distribution [5][6]. - The third resolution seeks to amend the company's articles of association to reflect the governance changes and other regulatory requirements [6][7]. Group 3: Governance Structure Changes - The proposed changes to the articles of association include the elimination of the supervisory board, adjustments to the powers of the shareholders' meeting and board of directors, and the introduction of employee directors [6][7]. - The new governance structure aims to enhance operational efficiency and align with regulatory standards [6][7].

2025 年第一次临时股东大会 会议材料 2025 年 7 月 8 日 1 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会议材料目录 | 2025 年第一次临时股东大会会议议程 3 | | --- | | 2025 年第一次临时股东大会会议须知 4 | | 审议议案一：关于不再设立监事会的议案 6 | | 审议议案二：关于变更注册资本的议案 7 | | 审议议案三：关于修订《公司章程》的议案 8 | | 审议议案四：关于修订《股东会议事规则》的议案 65 | | 审议议案五：关于修订《董事会议事规则》的议案 78 | | 审议议案六：关于选举束兰根先生为第七届董事会独立董事的议案 90 | | 审议议案七：关于发行苏州农商银行二级资本债券的议案 91 | 2 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会议议程 现场会议时间：2025 年 7 月 8 日 14：30 现场会议地点：江苏省苏州市吴江区东太湖大道 10888 号 5 楼报告厅 主持人：董事长徐晓军 一、主持人宣布会议开始 四、审议各项议案 审议议案： 五、股东发言及提问 3 二、宣布股东大会现场出席情况 三 ...

Market Overview - The A-share market saw all three major indices rise in the morning session, with the Shanghai Composite Index up 0.2%, the Shenzhen Component Index up 0.54%, and the ChiNext Index up 0.93% [1] - The total market turnover reached 932.6 billion yuan, a decrease of 81.1 billion yuan compared to the previous day, with over 3,500 stocks rising [1] Sector Performance - The gaming, military, brain-computer interface, and photolithography concept stocks led the gains, while the banking, securities, and dairy sectors experienced declines [3] - Notable stocks in the military sector included Hengyu Xintong (300965), Chenxi Aviation (300581), and Zhongbing Hongjian (000519), all of which hit the daily limit [3] - The gaming sector saw significant increases with Kaiying Network (002517) and Giant Network (002558) both reaching the daily limit [3] - Photolithography concept stocks were active, with Blue Eagle Equipment (300293) hitting the daily limit, along with Kaimete Gas (002549) and Zhongci Electronics (003031) [3] - The innovative drug sector rebounded, with Zhaoyan New Drug (603127) also hitting the daily limit [3] - The banking and securities sectors faced early declines, with Guosheng Jinkong (002670) dropping over 5% [3] Hot Stocks - The strongest sectors included new energy vehicles, military, and specialized innovative companies, with multiple stocks hitting daily limits [8][9][10] - In the new energy vehicle sector, 16 stocks reached the daily limit, with the highest consecutive limit being 9 days [8] - The military sector had 14 stocks hitting the daily limit, with the highest consecutive limit also being 9 days [9] - The specialized innovative sector had 13 stocks hitting the daily limit, with a maximum of 3 consecutive limits [10] Sector Insights - The military equipment sector is expected to benefit from increasing global military trade demand and domestic military modernization efforts, potentially leading to a dual boost in fundamentals and industry valuations [12] - The gaming sector is supported by a record number of game approvals, indicating regulatory support for healthy industry development [13] - The brain-computer interface sector is gaining attention due to advancements from Neuralink, with significant usage data reported from trial participants [14] - The digital currency sector is poised for growth as Hong Kong aims to enhance cross-border payment efficiency through stablecoins, with new regulations set to take effect [15]

证券代码：603323 证券简称：苏农银行 公告编号：2025-022 江苏苏州农村商业银行股份有限公司关于 持股 5%以上股东部分股份解除质押及再质押的公告 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: 公司股东亨通集团有限公司（以下简称"亨通集团"）持有公司股份 137,454,953 股，占公司总股本 6.81%，累计质押股份 105,420,000 股， 占其持股总股数的 76.69%。 近日，公司接到股东亨通集团关于股份解除质押及股份再质押的通知，具体 事项如下： 一、上市公司股份解除质押 2025 年 6 月 23 日，亨通集团将其质押给渤海银行股份有限公司苏州分行的 49,170,000 股公司非限售流通股解除质押，相关手续于 2025 年 6 月 24 日办理 完毕。具体情况如下： 单位：股 本次解除质押的股份将用于后续质押，具体情况见"二、上市公司股份质押"。 二、上市公司股份质押 2025 年 6 月 23 日，亨通集团在中国证券登 ...

Market Overview - A-shares experienced a low open and high close, with the Shanghai Composite Index rising by 0.35%, Shenzhen Component Index by 0.41%, and ChiNext Index by 0.66% [1] - The total market turnover reached 12,435 billion, with over 3,500 stocks in the market closing in the green [1] Stablecoin Concept - The stablecoin concept surged throughout the day, with the digital currency sector rising by 4.72%, making it the top-performing industry concept [2] - Notable stocks included Tianyang Technology and Sifang Jingchuang hitting the 20% limit up, while Lakala rose over 15% [2] - The positive sentiment is attributed to favorable policies boosting investor confidence, with long-term prospects for stablecoins expected to drive the virtual asset industry [3] Financial Sector Performance - The banking sector showed strong performance, with Qingnong Commercial Bank and Sunong Bank rising over 3%, and several banks reaching historical highs [4] - The People's Bank of China reported an increase in social financing scale and new RMB loans, indicating a robust financial environment [4] - Analysts suggest that bank stocks have strong earnings certainty and recommend focusing on their investment value due to stable fundamentals and low valuations [5] Real Estate Sector Activity - The real estate sector exhibited strong performance, with a 1.69% overall increase, and 81 out of 91 stocks rising [6] - Positive policy signals from the government aim to stabilize the real estate market, with measures to optimize existing policies and enhance market expectations [6][7] - The National Bureau of Statistics indicated that the real estate market is moving towards stabilization, supported by the implementation of various policies [7]

Core Points - Su Nong Bank plans to increase its registered capital from 1.803 billion to 2.019 billion yuan due to convertible bond conversion and capital reserve increase [1] - There is a trend among regional city commercial banks and rural commercial banks to frequently engage in capital increases and expansions through various methods such as introducing external shareholders, convertible bond conversions, and targeted placements [1][2] - The conversion of convertible bonds is expected to enhance the core Tier 1 capital of banks like Hangzhou Bank and Nanjing Bank, with their respective conversion ratios reaching 94.23% and 75.82% [2] - Several regional banks have received regulatory approval for their capital increase plans, indicating a significant demand for capital supplementation among these institutions [3] - The ownership structure of some banks is changing, with local state-owned enterprises increasingly appearing as shareholders following capital increases [4] Group 1 - Su Nong Bank issued 25 million convertible bonds in 2018, with a total of 31.9761 million shares added through conversion by 2024 [2] - The bank's recent capital increase involved a distribution plan that resulted in an actual increase of 184 million shares [2] - The capital increase is seen as a cost-effective way for small and medium-sized banks to enhance their capital adequacy ratio [3] Group 2 - The capital increase by banks like Hanko Bank involved issuing 873.53 million shares, raising 4.586 billion yuan, with local state-owned enterprises as primary investors [4] - Challenges faced by regional banks in capital supplementation include limited external financing channels and reduced net interest margins [5] - Experts suggest that supporting small and medium-sized banks in establishing long-term capital supplementation mechanisms is essential for improving their capital capabilities [5][6]

Core Viewpoint - Local small and medium-sized banks in China are accelerating capital replenishment actions in response to regulatory pressures and the need for financial stability [2][8] Group 1: Capital Replenishment Actions - Su Nong Bank plans to increase its registered capital from 1.803 billion to 2.019 billion yuan through the conversion of convertible bonds and capital reserves [2] - Luzhou Bank intends to issue up to 1 billion new H shares, with a shareholder meeting scheduled for the end of June [2] - Several banks, including Jilin Bank and Tianjin Rural Commercial Bank, are also in the process of capital replenishment through various means [2] Group 2: Challenges and Pressures - The banking sector is experiencing a prolonged low-interest-rate environment, leading to a narrowing net interest margin and increased pressure on revenue growth [3] - Rising default rates among corporate and individual clients due to real estate market issues and local government debt are further straining asset quality [3] - Regulatory bodies are imposing stricter requirements on risk management and internal controls for small and medium-sized banks, necessitating reforms and restructuring [3] Group 3: Strategic Considerations - Optimizing equity structure and enhancing market competitiveness are key considerations for capital increases, with potential benefits from introducing strategic investors [5] - Capital adequacy is crucial for banks to maintain trust and expand business operations in a competitive market [5] Group 4: Effects of Capital Increase - Capital increases will enhance capital adequacy ratios, allowing banks to meet regulatory requirements and expand credit offerings [6] - Higher capital levels improve risk resilience, providing a buffer against potential losses amid economic downturns [6] - Introducing strategic investors can lead to improved governance and operational efficiency [6] Group 5: Future Trends in Capital Replenishment - The trend of capital replenishment among local banks is expected to continue, driven by regulatory demands and the need for strategic development [8] - The banking sector is likely to seek diverse capital sources, including local state-owned enterprises and foreign investments, to optimize governance and enhance competitiveness [9] - As economic structures evolve, banks will need to invest in new business areas, necessitating further capital increases to support digital transformation and risk management improvements [9]