Core Viewpoint - Su Nong Bank's senior management, including President Wang Liang and Vice Presidents Fei Haibin and Geng Zhi, voluntarily plan to increase their shareholdings, demonstrating confidence in the bank's future and commitment to its development strategy [1][2]. Management Changes - Wang Liang, born in 1982, has extensive experience in various departments at Citic Bank and Su Nong Bank, making him well-suited for the role of President [2]. - Vice Presidents Fei Haibin and Geng Zhi also have rich backgrounds in grassroots banking and risk control, contributing to a well-rounded management team [3]. Strategic Focus - Su Nong Bank aims to serve as a "financial service steward" for small and medium-sized enterprises (SMEs), with over 90% of its loans supporting the real economy and more than 60% directed towards private enterprises [4]. - The bank has positioned itself as a leader in manufacturing loans among listed banks, establishing a "Su Nong model" for rural financial institutions [4]. Green Finance Initiatives - As the only legal bank in the Yangtze River Delta ecological green integration development demonstration zone, Su Nong Bank emphasizes green finance, with a target of exceeding 6 billion yuan in green loans by mid-2025 [4][5]. - The bank has successfully implemented various green finance projects, including the "Textile Industry Low Carbon Transformation and Financial Innovation Guide" to support the local textile industry's transition [5]. Innovation in Financial Products - Su Nong Bank has launched several innovative financial products aimed at technology enterprises, including "Talent Loans" and "Su New Loans," and has partnered with local government initiatives to enhance financial support for innovation [5]. - The bank has also introduced a unique "loan + equity option registration" business model, marking a first for rural commercial banks in Jiangsu [5].

北京商报讯（记者 孟凡霞 周义力）11月10日，苏州农商行发布公告称，该行行长王亮、副行长费海 滨、耿植（以下简称"增持主体"）基于对该行未来发展前景的信心和对该行长期投资价值的认同，计划 自公告披露之日起6个月内，通过上海证券交易所交易系统集中竞价交易方式增持不少于180万元人民币 公司A股股份。其中，王亮拟增持金额不低于80万元，费海滨拟增持金额不低于50万元，耿植拟增持金 额不低于50万元。 公告明确，拟增持主体承诺在增持计划实施期间及法定期限内不减持所持有的该行股份，同时自愿承诺 将上述所持股票自本次增持计划完成公告披露之日起锁定三年。本次增持主体后续增持所需的资金来源 为自有资金，不存在因所需资金不到位而导致后续增持无法实施的风险。 ...

Core Viewpoint - The management of Su Nong Bank expresses confidence in the company's future development and long-term investment value by planning to increase their holdings of A-shares by at least 1.8 million yuan within six months [1] Group 1 - The announcement includes the names of key executives: Mr. Wang Liang (President), Mr. Fei Haibin (Vice President), and Mr. Geng Zhi [1] - The planned increase in shareholding will be executed through the Shanghai Stock Exchange trading system via centralized bidding [1] - The total amount of shares to be purchased is specified as no less than 1.8 million yuan [1]

智通财经APP讯，苏农银行(603323.SH)发布公告，公司行长王亮先生、副行长费海滨先生、耿植先生 基于对公司未来发展前景的信心和对公司长期投资价值的认同，计划自公告披露之日起6个月内，通过 上海证券交易所交易系统集中竞价交易方式增持不少于180万元公司A股股份。 ...

证券代码：603323 证券简称：苏农银行 公告编号：2025-041 江苏苏州农村商业银行股份有限公司关于 部分高级管理人员自愿增持公司股份计划的公告 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： ●公司行长王亮先生、副行长费海滨先生、耿植先生（以下简称"增持主体"） 基于对公司未来发展前景的信心和对公司长期投资价值的认同，计划自公告披露 之日起6个月内，通过上海证券交易所交易系统集中竞价交易方式增持不少于180 万元人民币公司A股股份。 ●本次增持主体后续增持所需的资金来源为自有资金，不存在因所需资金不 到位而导致后续增持无法实施的风险。 近日，公司收到部分高级管理人员拟以自有资金自愿通过上海证券交易所 交易系统增持公司 A 股股份的通知。现将有关情况公告如下： 增持主体名称 王亮 增持主体身份 控股股东、实控人 是 否 控股股东、实控人的一致行动人 是 否 直接持股 5%以上股东 是 否 董事、监事和高级管理人员 是 否 其他：_________ ...

Core Viewpoint - The management of Sunong Bank expresses confidence in the company's future development and long-term investment value through planned share purchases [1] Summary by Relevant Sections - **Management's Commitment**: The President Wang Liang and Vice Presidents Fei Haibin and Geng Zhi plan to increase their holdings in the company, demonstrating their belief in the bank's prospects [1] - **Planned Share Purchase Details**: The total planned purchase amounts to no less than 1.8 million RMB in A-shares, with specific allocations of at least 800,000 RMB from Wang Liang and 500,000 RMB each from Fei Haibin and Geng Zhi [1] - **Funding and Lock-up Period**: The funds for the purchase will come from personal resources, with no set price range for the shares. The management commits to not reducing their holdings during the purchase period and will lock the acquired shares for three years following the completion of the purchase announcement [1]

Core Viewpoint - The announcement indicates that the management of Sunong Bank plans to increase their holdings in the company's A-shares, demonstrating confidence in the bank's future performance and stability [1] Group 1: Management Actions - The President Wang Liang and Vice Presidents Fei Haibin and Geng Zhi plan to increase their holdings of the company's A-shares within six months from the announcement date [1] - The total amount for the share purchase is not less than 1.8 million yuan [1] - The funds for the purchase will come entirely from personal resources, and the management commits to not reducing their holdings during the implementation period and the legal timeframe [1] Group 2: Lock-up and Compliance - The shares acquired through this plan will be locked for three years following the completion of the purchase [1] - The increase in shareholding plan complies with relevant laws and regulations as well as exchange business rules [1]

Core Insights - The agricultural commercial bank sector experienced a rise of 0.92% on November 10, with Shanghai Agricultural Commercial Bank leading the gains [1] - The Shanghai Composite Index closed at 4018.6, up 0.53%, while the Shenzhen Component Index closed at 13427.61, up 0.18% [1] Sector Performance - Shanghai Agricultural Commercial Bank (601825) closed at 60.6, with a gain of 2.48% and a trading volume of 291,000 shares, amounting to a transaction value of 263 million yuan [1] - Changshu Bank (601128) closed at 7.25, up 0.97%, with a trading volume of 290,900 shares and a transaction value of 210 million yuan [1] - Ruifeng Bank (601528) closed at 5.67, up 0.53%, with a trading volume of 144,300 shares and a transaction value of 81.76 million yuan [1] - Zhangjiagang Bank (002839) closed at 4.61, up 0.44%, with a trading volume of 129,300 shares and a transaction value of 135 million yuan [1] - Yuanxi Bank (600908) closed at 6.21, up 0.32%, with a trading volume of 117,800 shares and a transaction value of 72.99 million yuan [1] - Shinan Bank (603323) closed at 5.31, up 0.19%, with a trading volume of 165,600 shares and a transaction value of 87.91 million yuan [1] - Zijin Bank (601860) closed at 2.88, unchanged, with a trading volume of 366,300 shares and a transaction value of 105 million yuan [1] - Qingnong Commercial Bank (002958) closed at 3.27, unchanged, with a trading volume of 557,400 shares and a transaction value of 182 million yuan [1] - Yunnan Agricultural Commercial Bank (601077) closed at 7.00, down 0.14%, with a trading volume of 633,700 shares and a transaction value of 444 million yuan [1] - Jiangyin Bank (002807) closed at 5.01, down 0.20%, with a trading volume of 391,700 shares and a transaction value of 196 million yuan [1] Fund Flow Analysis - The agricultural commercial bank sector saw a net outflow of 210 million yuan from main funds, while retail funds experienced a net inflow of 118 million yuan [1] - The main fund flow for Shanghai Agricultural Commercial Bank was a net inflow of 9.12 million yuan, while retail funds saw a net outflow of 197,440 yuan [2] - Ruifeng Bank had a main fund net inflow of 4.43 million yuan, but retail funds experienced a net outflow of 763.71 million yuan [2] - Zhangjiagang Bank had a significant main fund net outflow of 16.33 million yuan, while retail funds saw a net inflow of 1.77 million yuan [2] - Changshu Bank experienced a main fund net outflow of 21.87 million yuan, with retail funds seeing a net inflow of 26.42 million yuan [2] - Qingnong Commercial Bank had a main fund net outflow of 32.17 million yuan, while retail funds had a net inflow of 20.39 million yuan [2] - Yunnan Agricultural Commercial Bank faced a substantial main fund net outflow of 143 million yuan, but retail funds had a net inflow of 59.38 million yuan [2]

Core Viewpoint - Jiangsu Suzhou Rural Commercial Bank (referred to as "Su Nong Bank") has undergone significant management changes, with a focus on youthfulness in its executive team, which is expected to enhance the bank's agility and innovation capabilities in a competitive market [1][3][6]. Management Changes - The bank announced the appointment of Wang Liang as the new president, with Fei Haibin and Geng Zhi as vice presidents, pending approval from the National Financial Regulatory Administration [1][2]. - Wang Liang, born in 1982, has a diverse background in various departments at Citic Bank and has held key positions within Su Nong Bank, indicating a return to a familiar environment [2]. - The new executive team reflects a trend towards younger leadership, with both vice presidents born in the 1980s, which aligns with the broader industry movement towards youth in management roles [3][6]. Financial Performance - For the first three quarters of the year, Su Nong Bank reported a slight increase in operating income of 0.08%, totaling 3.23 billion yuan, and a net profit attributable to shareholders of 1.708 billion yuan, up 5.01% year-on-year [4][5]. - The bank's interest income decreased from 2.14 billion yuan to 2.058 billion yuan due to a narrowing net interest margin, while investment income rose significantly by 30.5% to 1.116 billion yuan, attributed to increased bond disposals [4][5]. - The bank's total assets reached 226.749 billion yuan, reflecting a growth of 5.96% since the beginning of the year [1]. Asset Quality and Capital Adequacy - As of September, the non-performing loan ratio remained stable at 0.9%, while the provision coverage ratio decreased from 428.96% to 355.85% [5]. - Capital adequacy ratios showed a slight decline, with the core tier one capital adequacy ratio at 10.76%, down from 10.91% at the end of the previous year [5]. - The bank has taken steps to enhance its capital position, including the issuance of secondary capital bonds and the completion of a conversion of 156 million yuan in "Su Nong Convertible Bonds" [5]. Industry Trends - The trend of younger management teams in the banking sector is seen as a response to the increasing penetration of financial technology and the evolving demographics of the customer base [6]. - Experts suggest that the new management should focus on strategic planning, technology integration, team building, and risk management to navigate the challenges posed by a slowing economy and competitive pressures [6].

Core Viewpoint - Su Nong Bank has appointed Wang Liang as the new president following the resignation of Zhang Yingjie due to work changes, with the new management team facing challenges related to narrowing interest margins and slowing revenue growth [1][4]. Financial Performance - For the first three quarters of 2025, Su Nong Bank reported operating income of 3.221 billion yuan, a year-on-year increase of 0.08%, and a net profit attributable to shareholders of 1.708 billion yuan, up 5.01% year-on-year [1]. - The bank's net interest income decreased from 2.14 billion yuan in the same period last year to 2.058 billion yuan due to a narrowing net interest margin [1][2]. - The net interest margin for the first three quarters of 2025 was reported at 1.33%, down from 1.55% in 2024 and 1.74% in 2023 [4]. Loan and Credit Growth - As of mid-2025, Su Nong Bank's loan balance reached 136.331 billion yuan, an increase of 6.997 billion yuan or 5.41% from the beginning of the year [3]. - The bank aims to continue supporting small and micro enterprises while optimizing the structure of fund supply and focusing on key areas such as rural revitalization, advanced manufacturing, green development, and technological innovation [3]. Management Changes - Wang Liang, previously the deputy secretary of the party committee at Su Nong Bank, has taken over as acting president pending regulatory approval [1][4]. - The departure of the former president is not expected to disrupt the normal operations of the board or the management of the bank [4].