江苏苏州农村商业银行股份有限公司(以下简称"本行")聘请 安永华明会计师事务所（特殊普通合伙）（以下简称"安永华明"） 作为本行 2024 年度会计师事务所。根据《国有企业、上市公司选聘 会计师事务所管理办法》（财会〔2023〕4 号）等有关规定,本行从 执业资质、人员配备、工作质量、信息安全管理这四个方面对安永华 明 2024 年度审计工作进行了评估,评估结果如下: 2024 年度江苏苏州农村商业银行股份有限公司 对会计师事务所履职情况评估报告 一、执业资质 T (一) 基本情况 安永华明成立于 1992年 9月,2012年 8 月完成本土化转制, 从一家中外合作的有限责任制事务所转制为特殊普通合伙制事务所。 安永华明总部设在北京,注册地址为北京市东城区东长安街 1 号东 方广场安永大楼 17 层 01-12 室。截至 2024 年末,安永华明拥有合 伙人 251 人、执业注册会计师逾 1,700人,其中拥有证券相关业务服 务经验的执业注册会计师超过1,500人。安永华明 2023年度业务总 收入人民币 59.55亿元,其中审计业务收入人民币 55.85 亿元。2023 年度 A 股上市公司年报审计客户共计 ...

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：2025-008 江苏苏州农村商业银行股份有限公司 关于部分关联方 2025 年度日常关联交易预计额度的公告 重要内容提示： 一、日常关联交易基本情况 （一）本次日常关联交易履行的审议程序 2025 年 4 月 28 日，本行第七届董事会第七次会议，以同意 9 票、反对 0 票、 弃权0票审议通过了《关于部分关联方2025年度日常关联交易预计额度的议案》， 关联董事陆颖栋、唐林才、陈志明、潘鼎回避表决。本议案尚需提交股东大会审 议，关联股东将在股东大会上对相关议案回避表决。 本关联交易在提交董事会审议前，已经本行第七届董事会风险管理及关联交 易控制委员会2025年第二次会议及第七届董事会独立董事专门会议2025年第一 次审议通过。 （二）本次日常关联交易关联方范围及业务类型 根据国家金融监督管理总局、中国证券监督管理委员会和上海证券交易所的 有关规定及本行《关联交易管理 ...

特此说明。 江苏苏州农村 限公司董事会 025 年 4月 28 日 江苏苏州农村商业银行股份有限公司董事会 关于独立董事独立性评估的专项意见 根据《上市公司独立董事管理办法》《上市公司自律监管指引 第 1 号-规范运作》等相关监管文件规定,江苏苏州农村商业银行 股份有限公司(以下简称"本行")第七届董事会现任独立董事闫长 乐、孙杨、雷新勇、袁渊、朱建华对照相关监管规定中关于独立董 事应具备的独立性要求进行了逐项自查,并向本行董事会提交了独 立性自查报告。经自查,本行全体独立董事均确认其目前满足相关 监管规定中对于出任独立董事应具备的独立性要求。 经核查全体独立董事的工作履历及其提交的独立董事独立性自 查报告,本行董事会未发现可能影响独立董事进行独立客观判断的 情形。 ...

| 深耕支农支小，浇灌实体经济 | 59 | | --- | --- | | 支持科技金融，助推产业升级 | 82 | | 创新数字金融，激活发展动能 | 85 | 报告编制说明 董事长致辞 关于我们 数说2024 发展亮点 可持续发展治理 0 1 03 05 1 1 13 19 目录 治理篇 筑牢治理基石 夯实发展韧性 | 党建铸魂引领，凝心聚力前行 | 27 | | --- | --- | | 规范治理提质，行稳致远启程 | 3 1 | | 全面风控筑屏，精准护航发展 | 38 | | 合规筑基固本，智慧赋能运营 | 45 | | 商道守正扬善，诚信经营未来 | 52 | 发展篇 推动金融向实 助力产业向新 社会篇 践行金融为民 迈向美好未来 | 科技数字双擎，筑牢信安屏障 | 103 | | --- | --- | | 保消费者权益，构信任护城河 | 110 | | 践行金融向善，浇民生希望田 | 118 | | 坚持以人为本，织幸福生活锦 | 125 | | 恪守责任采购，携手共创价值 | 148 | 2024年度可持续发展报告 环境篇 发展绿色金融 守护生态底色 | | | | 170 | | -- ...

江苏苏州农村商业银行股份有限公司（以下简称"本行"）为加强资本管 理，提升资本使用效率，保持较高的资本充足水平和资本管理质量，有效支持 战略发展需要，促进本行高质量可持续发展，更好地回报股东和社会，根据相 关监管规定和本行未来发展战略及业务规划，特制定《江苏苏州农村商业银行 股份有限公司2025-2027年资本管理规划》。 一、资本管理规划的整体原则 （一）积极把握和适应经济发展新常态 面对更加复杂多变的经济金融形势，银行业坚持稳中求进的总基调，加强供给 侧结构性改革，全面落实支持实体经济发展政策要求，促进经济金融高质量、有效 率、公平、可持续发展。为此，资本规划需要合理预估未来三年业务发展速度、 盈利留存等内生资本的可获得性，兼顾自身的经营情况与相应的资本需求。 江苏苏州农村商业银行股份有限公司 2025-2027年资本管理规划 （二）有效满足监管要求 考虑到外部资本监管要求日益严格、宏观审慎监管体系中对资本充足的要求 进一步提高，未来资本需求呈提升态势，本行将结合各方考虑因素，通过多种渠 道优化资本结构，完善融资渠道，逐步提升资本实力和充足率水平。 （三）风险管理能力与资本充足水平相适应 在通过内部资本充 ...

证券代码：603323 证券简称：苏农银行 公告编号：2025-011 江苏苏州农村商业银行股份有限公司 关于召开2024年年度股东大会的通知 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、召开会议的基本情况 (一)股东大会类型和届次 2024年年度股东大会 (二)股东大会召集人 董事会 (三)投票方式 本次股东大会所采用的表决方式是现场投票和网络投票相结合的方式 (四)现场会议召开的日期、时间和地点 召开的日期时间：2025 年 5 月 22 日 14 点 00 分 召开地点：江苏省苏州市吴江区东太湖大道 10888 号 5 楼报告厅 (五)网络投票的系统、起止日期和投票时间 网络投票系统：上海证券交易所股东大会网络投票系统 股东大会召开日期：2025年5月22日 本次股东大会采用的网络投票系统：上海证券交易所股东大会网络投票 系统 网络投票起止时间：自2025 年 5 月 22 日 至2025 年 5 月 22 日 采用上海证券交易所网络投票系 ...

证券代码：603323 证券简称：苏农银行 公告编号：2025-007 江苏苏州农村商业银行股份有限公司 第七届监事会第七次会议决议公告 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。 本行第七届监事会第七次会议于 2025 年 4 月 28 日在本行东太湖办公大楼 401 会议室（苏州市吴江区东太湖大道 10888 号）以现场方式召开，会议通知已 于 2025 年 4 月 18 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。会议由监事长孙开年先生主持。会议符合《公司法》及本行《章程》的规定， 会议所形成的决议合法、有效。 会议对如下议案进行了审议并表决： 一、2024 年度监事会工作报告 同意 9 票；弃权 0 票；反对 0 票。 本议案尚需经公司股东大会审议。 二、2024 年度董事会及董事履职评价报告 同意 9 票；弃权 0 票；反对 0 票。 本议案尚需经公司股东大会审议。 三、2024 年度监事会及监事履职评价报告 同意 9 票；弃权 0 ...

证券代码：603323 证券简称：苏农银行 公告编号：2025-010 江苏苏州农村商业银行股份有限公司 2024 年年度利润分配及公积金转增股本方案公告 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： 每股分配比例，每股转增比例： 每股派发现金红利人民币 0.18 元（含税），以资本公积每股转增 0.1 股。 本次利润分配及资本公积转增以实施权益分派股权登记日登记的公司 普通股总股本为基数，具体股权登记日期将在权益分派实施公告中明确。在实施 权益分派的股权登记日前公司总股本发生变动的，拟维持每股分配（转增）比例 不变，相应调整分配（转增）总额，并将另行公告具体调整情况。 公司不触及《上海证券交易所股票上市规则》第 9.8.1 条第一款第（八） 项规定的可能被实施其他风险警示的情形。 一、利润分配方案内容 （一）利润分配方案的具体内容 －1－ 2．按本年可供分配利润的 20%提取一般准备 55,737 万元； 3．综合考虑股东投资回报、监管机构对资本充足 ...

Financial Performance - Operating revenue for Q1 2025 reached RMB 1,131,735, an increase of 3.29% compared to RMB 1,095,689 in the same period last year[5] - Net profit attributable to shareholders was RMB 439,861, reflecting a growth of 6.19% from RMB 414,204 year-on-year[5] - Basic earnings per share rose to RMB 0.24, up 4.35% from RMB 0.23 in the same period last year[5] - The bank's operating profit for Q1 2025 was CNY 492,131 thousand, an increase of 9.2% from CNY 450,704 thousand in Q1 2024[29] - Investment income rose to CNY 454,941 thousand in Q1 2025, compared to CNY 300,288 thousand in Q1 2024, reflecting a growth of 51.4%[29] Cash Flow and Liquidity - Net cash flow from operating activities improved significantly to RMB 1,581,934, a 166.03% increase from a negative cash flow of RMB -2,395,793 in the previous year[5] - Cash flow from operating activities generated a net cash inflow of CNY 1,581,934 thousand in Q1 2025, a significant improvement compared to a net outflow of CNY 2,395,793 thousand in Q1 2024[31] - The net increase in cash and cash equivalents was -390,959 thousand, compared to -615,153 thousand in the previous period[32] - The beginning balance of cash and cash equivalents was 4,135,655 thousand, down from 5,051,417 thousand[32] - The ending balance of cash and cash equivalents was 3,744,696 thousand, a decrease from 4,436,264 thousand[32] Asset and Liability Management - Total assets at the end of Q1 2025 were RMB 221,889,802, representing a 3.69% increase from RMB 213,987,100 at the end of the previous year[5] - The bank's total liabilities increased to CNY 203,514,528 thousand as of March 31, 2025, compared to CNY 195,931,400 thousand at the end of 2024, marking an increase of approximately 3.0%[28] - The total loans amounted to CNY 133.22 billion, reflecting a growth of 3.00% year-to-date[13] - Total deposits increased to CNY 179.08 billion, marking a 5.19% rise since the start of the year[13] Shareholder Information - The number of ordinary shareholders at the end of the reporting period was 30,477, with the top 10 shareholders holding a combined 36.81% of shares[9] - The company’s capital adequacy ratio was reported at 12.91%[24] Operational Efficiency - The cost-to-income ratio improved to 30.62%, down from 35.22% in the previous year[22] - The non-performing loan ratio stood at 0.90%, with a provision coverage ratio of 420.03% as of March 31, 2025[13] Strategic Focus - The company continues to focus on supporting private economic development and promoting inclusive finance[13] - The company conducted 11 investor communication activities during the reporting period[11] Other Financial Metrics - Non-recurring gains and losses totaled RMB 3,129, with government subsidies contributing RMB 4,498[7] - Significant changes in financial data included a 2,311.91% increase in interbank and other financial institutions' deposits due to financing strategy adjustments[8] - The weighted average return on equity decreased by 0.20 percentage points to 2.39% compared to 2.59% in the previous year[5] - Net interest income decreased to CNY 703,412 thousand in Q1 2025, down 2.9% from CNY 724,479 thousand in the same period last year[29]

Financial Performance - The company's operating revenue for 2024 reached RMB 4,174,343 thousand, representing a 3.17% increase from RMB 4,045,965 thousand in 2023[24]. - Net profit attributable to shareholders for 2024 was RMB 1,944,994 thousand, an increase of 11.62% compared to RMB 1,742,586 thousand in 2023[24]. - The company's basic earnings per share for 2024 increased by 10.31% to RMB 1.07 from RMB 0.97 in 2023[25]. - The capital adequacy ratio improved to 13.08% in 2024 from 11.88% in 2023[26]. - The net cash flow from operating activities decreased significantly by 47.16% to RMB 3,114,198 thousand from RMB 5,893,864 thousand in 2023[24]. - The company reported a total of RMB 59,391 thousand in non-recurring gains and losses for 2024, compared to RMB 84,350 thousand in 2023[29]. - The total revenue for the company reached 3,472,457 thousand, with a slight increase to 3,476,257 thousand in the latest reporting period[160]. - The company reported a net profit margin of 90.45% for the current fiscal year[160]. Asset and Loan Management - The total assets of Suzhou Rural Commercial Bank exceeded RMB 210 billion in 2024[12]. - Total assets at the end of 2024 were RMB 213,987,100 thousand, up 5.64% from RMB 202,564,681 thousand in 2023[24]. - The company reported a total loan amount of RMB 129,334,128 thousand, an increase from RMB 122,290,912 thousand in 2023[24]. - Total loans reached CNY 129.33 billion, an increase of CNY 7.04 billion or 5.76% from the previous year[37]. - The non-performing loan ratio remained stable at 0.90% in 2024, unchanged from 2023[26]. - The total amount of financial investments at the end of the period was ¥65,339,577 thousand, up from ¥62,223,019 thousand at the end of the previous year[96]. - The total loan balance at the end of the period reached ¥129,334,128 thousand, an increase of 5.76% from ¥122,290,912 thousand at the beginning of the period[85]. Risk Management - The bank has effectively managed various risks, including credit, market, liquidity, and operational risks[7]. - The bank established a liquidity risk management strategy and revised the warning indicator thresholds to effectively manage liquidity risk[128]. - The bank developed a multi-layered risk management system to address market risks, focusing on interest rate and exchange rate risks[129]. - The bank optimized its operational risk management system, enhancing its ability to control operational risks[130]. - The bank's compliance risk management has been strengthened through annual regulatory document reviews and performance evaluations, ensuring effective compliance across all business lines[134]. - The bank implemented 14 new credit management regulations to enhance credit risk management throughout the year[127]. Customer Engagement and Services - The bank's commitment to digital financial innovation includes the use of big data and artificial intelligence for personalized service recommendations[12]. - The retail financial sector accelerated its transformation, with personal savings deposits reaching CNY 101.34 billion by the end of 2024, an increase of CNY 14.02 billion from the beginning of the year[45]. - Wealth management products achieved record highs, with total sales of insurance exceeding CNY 1 billion, 1.71 times the sales in 2023, and fund sales surpassing CNY 150 million[45]. - The bank's innovative retail business model focused on integrating online and offline services, enhancing customer engagement through various digital platforms[50]. - The bank's comprehensive wealth management capabilities ranked in the top ten of the rural commercial banking system, winning multiple awards including the "Golden Financial" annual corporate social responsibility award[46]. Strategic Focus and Development - The bank's strategic focus remains on supporting agriculture and small enterprises, reinforcing its role as a financial steward for local economic development[11]. - The bank aims for steady growth in the banking sector by balancing financial service provision and risk prevention, with a focus on green finance and small micro enterprises[140]. - The bank's "Three One Five" development strategy emphasizes long-term growth and the establishment of a benchmark bank recognized for its value and employee satisfaction[141]. - The bank is implementing five major transformations to enhance operational efficiency and customer service through digital innovation and agile collaboration[142]. - The bank is focused on performance assessment and remuneration management for its directors and senior management[166]. Governance and Compliance - The bank held 2 shareholder meetings during the reporting period, approving 17 resolutions, ensuring compliance with legal and regulatory requirements[147]. - The board of directors consists of 14 members, including 5 executive directors and 5 independent directors, and conducted 4 meetings, approving 45 resolutions during the reporting period[148]. - The supervisory board, comprising 9 members, held 4 meetings and approved 39 resolutions, ensuring effective oversight of the bank's strategic decisions and financial activities[149]. - The bank's compliance risk situation report for village and town banks was presented, highlighting the company's commitment to managing compliance risks effectively[174]. - The independent directors have provided objective opinions on the profit distribution, ensuring the protection of minority shareholders' rights[191]. Employee and Operational Management - The total number of employees in the parent company is 1,963, with a combined total of 1,975 employees including major subsidiaries[183]. - The company plans to conduct 73 themed training sessions in 2024, with a total of 180 sessions and an expected participation of 52,000 employees, accumulating over 108,000 hours of training[187]. - The company has implemented a salary policy that aligns with corporate governance, high-quality development goals, and risk management systems[185]. - The company has established a performance evaluation system based on value to strengthen its incentive mechanisms and promote sustainable development[186]. Shareholder Returns - The profit distribution plan for 2024 includes a cash dividend of RMB 1.8 per 10 shares and a capital reserve conversion of 1 share for every 10 shares held[5]. - The total cash dividend amount for the reporting period is 330,307,000 RMB, which accounts for 16.98% of the net profit attributable to ordinary shareholders[194]. - The company has established a shareholder return plan for 2023-2025, committing to distribute at least 10% of the annual distributable profit in cash dividends if no major investment plans arise[190].