证券代码：002807 证券简称：江阴银行 公告编号：2025-001 本行监事会对陈东平先生任职期间对本行做出的贡献表示诚挚谢意。 特此公告。 江苏江阴农村商业银行股份有限公司监事会 2025年3月10日 江苏江阴农村商业银行股份有限公司（以下简称"本行"、"江阴银行"） 监事会近日收到本行外部监事陈东平先生提交的书面辞职报告。陈东平先生因个 人原因辞去本行外部监事、审计监督委员会主任委员的职务，辞职后将不再担任 本行任何职务。根据《银行保险机构公司治理准则》及本行《章程》等相关规定， 由于陈东平先生的辞职将导致本行监事会的外部监事人数低于监事会成员的三 分之一，因此在本行股东大会选举产生新的外部监事就任前，陈东平先生将按照 法律法规及本行《章程》的规定，继续履行外部监事及监事会相关专门委员会职 责。 截至本公告日，陈东平先生不持有本行股份，不存在应当履行而未履行的承 诺事项。 陈东平先生已确认其与本行监事会无不同意见，亦无任何其他事项需要通知 本行股东。 江苏江阴农村商业银行股份有限公司 关于外部监事辞职的公告 公司及监事会全体成员保证信息披露内容真实、准确和完整，没有虚假记载、误导性 陈述或重大遗漏。 ...

Group 1: Wealth Management Business - Jiangyin Bank's wealth management business benefits from the high average income and financial awareness of local residents, providing a solid foundation for development [2] - The bank focuses on retail transformation and customer value enhancement, establishing a layered customer operation system and a diversified product system including wealth management, insurance, funds, and precious metals [2] - In 2024, Jiangyin Bank successfully established 3 wealth centers and 3 themed banks, with plans to further optimize branch layout and integrate wealth management into daily life [2] Group 2: Technology Innovation Finance - Jiangyin Bank actively supports the "Science and Technology Innovation Jiangyin" initiative, creating a comprehensive service system for technology finance [3] - The bank has set up a specialized fast loan center for "specialized, refined, distinctive, and innovative" enterprises, providing financing services to over 1,000 technology companies [3] - Innovative products such as "Innovation Points Loan," "Intellectual Property Loan," and "Talent Loan" cover over 80% of high-tech enterprises, facilitating high-quality regional economic development [3]

证券代码： 002807 证券简称：江阴银行 2024 年 12 月 18 日投资者关系活动记录表 编号：2024-07 | --- | --- | --- | |------------------------------|-------------------------------------------------------------------|----------------------------------------------------------------------------------------------------------| | | | | | 投资者关系活动 | √ 特定对象调研 | √ 分析师会议 | | 类别 | □ 媒体采访 | □ 业绩说明会 | | | □ 新闻发布会 | □ 路演活动 | | | □ 现场参观 □ 其他 | （请文字说明其他活动内容） | | 参与单位名称及 | 中欧金融 陈巍 | | | 人员姓名 | 中庚基金 杨雪 博时基金 姚诚玉 中欧基金 邓达 汇丰前海 孙怡 | | | 时间 | 2024 年 12 月 18 日 | 下午 ...

近日，江苏江阴农村商业银行股份有限公司（以下简称"本行"）收到《国 家金融监督管理总局无锡监管分局关于核准陈开成任职资格的批复》（锡金复 ﹝2024﹞161 号），国家金融监督管理总局无锡监管分局核准陈开成江苏江阴农 村商业银行股份有限公司副行长的任职资格。 陈开成 先 生 的简历详见本行 2024 年 8 月 28 日在巨潮资讯网 （http://www.cninfo.com.cn）发布的《关于聘任副行长的公告》（2024-041）。 关于高管任职资格获核准的公告 1 本行及董事会全体成员保证信息披露内容真实、准确和完整，没有虚假记载、误导性 陈述或重大遗漏。 特此公告。 证券代码：002807 证券简称：江阴银行 公告编号：2024-047 江苏江阴农村商业银行股份有限公司董事会 江苏江阴农村商业银行股份有限公司 2024 年 12 月 4 日 ...

Investment Rating - The investment rating for Jiangyin Bank (002807) is "Buy" (maintained) [4] Core Views - The bank's revenue for the first three quarters of 2024 increased by 1.33% year-on-year, reaching 3.018 billion yuan, while net profit attributable to shareholders rose by 6.79% to 1.128 billion yuan [6] - The bank has shown resilience in net interest margin despite a decrease in interest income, with a net interest margin of 1.74% for Q1-Q3 2024 [6] - The non-performing loan ratio improved significantly to 0.90% by the end of Q3 2024, with a reduction in non-performing loans by 114 million yuan compared to the end of H1 2024 [6] Summary by Sections Financial Performance - Revenue for Q1-Q3 2024 was 3.018 billion yuan, up 1.33% year-on-year [6] - Net profit attributable to shareholders was 1.128 billion yuan, an increase of 6.79% [6] - Interest income decreased by 7.28% year-on-year, but the decline was less severe than in H1 2024 [6] Non-Interest Income - Non-interest income showed weaker performance, with growth rates for fee income and other non-interest income at 26.49% and 29.82% respectively, both declining compared to H1 2024 [6] Asset Quality - The non-performing loan ratio improved to 0.90%, with a non-performing loan balance of 1.09 billion yuan, down from H1 2024 [6] - The provision coverage ratio increased to 452.16%, indicating strong risk mitigation capabilities [6] Future Outlook - Revenue projections for 2024-2026 are 4 billion, 4.2 billion, and 4.4 billion yuan respectively, with expected growth rates of 2.49%, 5.28%, and 6.48% [6] - Net profit forecasts for the same period are 2 billion, 2.2 billion, and 2.4 billion yuan, with growth rates of 8.47%, 9.30%, and 9.22% [6]

证券代码：002807 证券简称：江阴银行 公告编号：2024-045 一、关于《2024 年第三季度报告》审核意见的议案 监事会认为本行董事会编制和审核《2024 年第三季度报告》的程序符合法律、 行政法规和中国证监会的规定，报告内容真实、准确、完整地反映了本行的实际 情况，不存在任何虚假记载、误导性陈述或者重大遗漏。 本议案同意票 9 票，反对票 0 票，弃权票 0 票。 本行《2024 年第三季度报告》同日在《证券时报》《上海证券报》《中国证 券报》和巨潮资讯网（http://www.cninfo.com.cn）上披露，供投资者查阅。 二、关于《2024 年上半年度关联交易专项审计的情况报告》的议案 本议案同意票 9 票，反对票 0 票，弃权票 0 票。 三、关于《信贷资产风险分类专项审计的报告》的议案 江苏江阴农村商业银行股份有限公司 第八届监事会第七次会议决议公告 本行及监事会全体成员保证信息披露内容真实、准确和完整，没有虚假记载、误导性陈 述或重大遗漏。 江苏江阴农村商业银行股份有限公司（以下简称"本行"）于 2024 年 10 月 18 日以电子邮件及书面方式向全体监事发出关于召开第八届监事会第 ...

证券代码：002807 证券简称：江阴银行 公告编号：2024-044 二、关于《2024 年三季度内部审计情况报告》的议案 本行董事会审计委员会审议通过了该议案。 本议案同意票 12 票，反对票 0 票，弃权票 0 票。 三、关于《2024 年第三季度报告》的议案 本行董事会审计委员会审议通过了该议案。 江苏江阴农村商业银行股份有限公司 第八届董事会第七次会议决议公告 本行及董事会全体成员保证信息披露内容真实、准确和完整，没有虚假记载、误导性陈 述或重大遗漏。 江苏江阴农村商业银行股份有限公司（以下简称"本行"）于 2024 年 10 月 18 日以电子邮件及书面方式向全体董事发出关于召开第八届董事会第七次会议的 通知，会议于 2024 年 10 月 29 日在苏州召开，以现场结合视频方式进行表决。本 行应参会董事 13 名，实际参会董事 13 名，符合《公司法》、《深圳证券交易所 股票上市规则》和本行《章程》的规定。因相关股东质押本行股权数量已超过其 持有本行股权的 50%，根据监管相关规定，董事徐建东本次会议无表决权。本行 监事、高级管理人员列席会议，会议由宋萍董事长主持。本次会议合法有效。会 议审议通 ...

Financial Performance - Total operating income for Q3 2024 was RMB 843.83 million, a decrease of 7.97% year-on-year[3] - Net profit attributable to shareholders for Q3 2024 was RMB 402.11 million, an increase of 0.70% year-on-year[3] - Net profit attributable to shareholders after deducting non-recurring gains and losses for Q3 2024 was RMB 387.47 million, a decrease of 0.79% year-on-year[3] - Total operating revenue for the first nine months of 2024 reached RMB 3,017,761 thousand, an increase from RMB 2,978,284 thousand in the previous year, reflecting a growth of approximately 1.3%[28] - Net profit for the first nine months of 2024 was RMB 1,126,067 thousand, compared to RMB 1,131,374 thousand in the same period last year, showing a marginal decrease of about 0.5%[28] - Basic earnings per share for the period were RMB 0.4641, down from RMB 0.4861 in the previous year[29] Asset and Liability Management - The bank's total assets as of September 30, 2024, were RMB 186.63 billion, a 0.32% increase from the beginning of the year[3] - The bank's total liabilities decreased to RMB 168,723,326 thousand from RMB 169,953,616 thousand, a reduction of approximately 0.7%[28] - The bank's net assets attributable to shareholders increased to RMB 17.62 billion, an increase of 11.57% from the beginning of the year[3] - The total amount of loans classified as normal is 118,733,530 thousand RMB, accounting for 97.68% of total loans as of September 30, 2024[22] Loan and Deposit Growth - Total deposits reached RMB 146.83 billion by the end of September 2024, an increase of 5.48% from the beginning of the year[6] - Total loans amounted to RMB 121.54 billion by the end of September 2024, an increase of 5.37% from the beginning of the year[6] - Total deposits reached RMB 146,830,096 thousand as of September 30, 2024, an increase from RMB 139,208,038 thousand at the end of 2023, representing a growth of 1.16%[15] - Total loans amounted to RMB 121,543,928 thousand as of September 30, 2024, up from RMB 115,352,491 thousand at the end of 2023, indicating a growth of 5.12%[15] Non-Performing Loans and Risk Management - The bank's non-performing loan balance decreased by RMB 0.39 billion, and the non-performing loan ratio decreased by 0.08 percentage points compared to the beginning of the year[8] - The non-performing loan ratio is 0.90% as of September 30, 2024, a decrease from 0.98% at the end of 2023[20] - The bank's non-performing loan ratio remained stable, reflecting effective risk management strategies[27] Capital and Liquidity Ratios - The capital adequacy ratio as of September 30, 2024, is 15.34%, up from 14.24% at the end of 2023 and 13.90% at the end of 2022[20] - The core tier 1 capital adequacy ratio increased to 14.19% as of September 30, 2024, compared to 13.10% at the end of 2023 and 12.77% at the end of 2022[20] - The liquidity coverage ratio stands at 93.58% as of September 30, 2024, significantly higher than 82.09% at the end of 2023[20] - The leverage ratio increased to 8.59% as of September 30, 2024, from 7.76% at the end of 2023[21] Cash Flow Analysis - The bank's cash flow from operating activities showed a net inflow of RMB 3,834,202 thousand, a significant increase of 212.69% compared to the previous year[14] - The bank's cash flow from investment activities recorded a net outflow of RMB 2,141,224 thousand, a decrease of 138.88% year-on-year[14] - The bank's cash flow from financing activities showed a net outflow of RMB 2,174,543 thousand, reflecting an increase of 4.86% compared to the previous year[14] - Cash inflow from investment activities reached ¥38,906,468, significantly up from ¥16,295,051 in the prior period[30] - Cash outflow from investment activities was ¥41,047,692, compared to ¥10,787,090 in the previous period, resulting in a net cash flow from investment activities of -¥2,141,224[30] - The net cash flow from financing activities was -¥2,174,543, compared to -¥2,285,692 in the previous period[31] Other Financial Metrics - The cost-to-income ratio improved to 29.55% as of September 30, 2024, down from 30.87% at the end of 2023[20] - The return on total assets (ROA) is 0.60% (not annualized) as of September 30, 2024, compared to 1.14% at the end of 2023[20] - The bank's investment income rose to RMB 606,279 thousand, compared to RMB 563,661 thousand in the previous year, indicating an increase of about 7.5%[28] Strategic Initiatives - The bank plans to enhance its digital banking services and expand its market presence in rural areas to drive future growth[27] Audit Status - The company has not undergone an audit for the third quarter report[32]

Investment Rating - The investment rating for Jiangyin Bank is "Outperform the Market" and is maintained [1]. Core Views - Jiangyin Bank's revenue for the first half of 2024 increased by 5.5% year-on-year, while net profit attributable to shareholders rose by 10.5%, indicating stable profitability and solid asset quality improvement [4]. - The bank's non-interest income growth and a decrease in loan impairment losses were the main contributors to the profit increase [4]. - The net interest margin for the first half of 2024 was 1.76%, up from 1.70% in the first quarter of 2024 [4]. - The non-performing loan ratio stood at 0.98% in the second quarter of 2024, slightly up by 1 basis point from the previous quarter, but stable compared to the end of 2023 [4]. - The provision coverage ratio improved to 435.25%, an increase of 10 percentage points from the previous quarter and 25.79 percentage points from the end of 2023 [4]. - Loan growth was robust, with a year-on-year increase of 9.7% in the second quarter of 2024, driven by a 10.5% increase in corporate loans [4]. - The bank's focus on supporting the manufacturing sector contributed to a 4.4% increase in manufacturing loans compared to the end of 2023, accounting for 19.4% of the loan growth [4]. - The bank's deposit growth was also steady, with a year-on-year increase of 7.3% [4]. Financial Performance Summary - Revenue (in million yuan) for 2024E is projected at 3,780, with a year-on-year growth of 9.38% in 2025E and 9.82% in 2026E [5]. - Net profit (in million yuan) for 2024E is estimated at 1,616, with growth rates of 5.27% in 2024E, 5.93% in 2025E, and 6.20% in 2026E [5]. - The average return on equity (ROE) is expected to be 12.15% in 2024E, declining to 11.60% in 2025E and 11.23% in 2026E [5]. - The bank's earnings per share (EPS) is projected to be 0.81 yuan in 2024E, increasing to 0.86 yuan in 2025E and 0.91 yuan in 2026E [5]. Valuation - The reasonable value range for Jiangyin Bank is estimated between 4.22 and 4.56 yuan, corresponding to a 2024 PE ratio of 5.22 to 5.65 times [4]. - The bank's 2024E PB valuation is set at 0.60 times, compared to 0.49 times for comparable companies [4].

证券代码： 002807 证券简称：江阴银行 江苏江阴农村商业银行股份有限公司 2024 年半年度报告网上业绩说明会 投资者关系活动记录表 编号：2024-06 | --- | --- | --- | |-----------------------|----------------------------------|---------------------------------------------------------------------------------------| | | | | | 投资者关系活动 | □ 特定对象调研 | □ 分析师会议 | | 类别 | □ 媒体采访 | √ 业绩说明会 | | | □ 新闻发布会 | □ 路演活动 | | | □ 现场参观 | | | | □ 其他 | （请文字说明其他活动内容） | | 参与单位名称及 | 投资者网上提问 | | | 人员姓名 | | | | 时间 地点 | 2024 年 9 月 6 日 ( | 周五 ) 下午 15:00~16:00 公司通过全景网"投资者关系互动平台"（ https://ir.p5w.net ） | | ...