证券之星消息，9月15日农商行板块较上一交易日下跌1.26%，渝农商行领跌。当日上证指数报收于 3860.5，下跌0.26%。深证成指报收于13005.77，上涨0.63%。农商行板块个股涨跌见下表： | 代码 | 名称 | 收盘价 | 涨跌幅 | 成交量(手) | 成交额(元) | | | --- | --- | --- | --- | --- | --- | --- | | 603323 | 苏农银行 | 5.21 | -0.57% | 18.60万 | 9725.06万 | | | 002839 | 张家港行 | 4.43 | -0.67% | 28.54万 | 1.27亿 | | | 600908 | 无锡银行 | 5.94 | -0.83% | 18.67万 | | 1.11亿 | | 601528 | 瑞丰银行 | 5.47 | -0.91% | 11.82万 | 6477.66万 | | | 002958 | 青农商行 | 3.25 | -0.91% | 46.59万 | | 1.51亿 | | 601128 | 常熟银行 | 7.52 | -0.92% | 27.13万 | | 2.05亿 | ...

Group 1 - Jiangyin Bank held its first extraordinary shareholders' meeting of 2025, where 9 proposals were reviewed, with 6 proposals facing over 9.6% opposition votes, a rare occurrence [2][3] - The meeting was chaired by Chairman Song Ping, attended by 6 directors, 2 supervisors, and 5 senior management personnel [3] - All 9 proposals were ultimately approved, but the proposals that faced significant opposition included revisions to various governance rules and management measures [3] Group 2 - As of June 30, 2025, the top ten shareholders of Jiangyin Bank and their respective shareholding percentages are as follows: Jiangsu Jiangnan Water Co., Ltd. (5.76%), Hong Kong Central Clearing Limited (4.17%), Jiangyin Xinjinnan Investment Development Co., Ltd. (3.69%), Jiangyin Development Zone Shengan Park Investment Co., Ltd. (3.61%), Jiangyin New Guolian Power Development Co., Ltd. (3.01%), Jiangyin Changjiang Investment Group Co., Ltd. (2.57%), Jiangyin Aiyisi Tuanrong Wool Spinning Co., Ltd. (2.51%), Huatai-PB Index Reducing Volatility ETF (2.22%), Jiangyin Meilun Yarn Industry Co., Ltd. (1.75%), and Jiangyin New Guolian Group Co., Ltd. (1.61%) [4] - The bank has a dispersed shareholding structure, lacking a controlling shareholder or actual controller, with the top ten shareholders primarily consisting of local enterprises from Jiangsu [3]

以上内容为证券之星据公开信息整理，由AI算法生成（网信算备310104345710301240019号），不构成投资建议。 从资金流向上来看，当日农商行板块主力资金净流出1.18亿元，游资资金净流入971.85万元，散户资金净 流入1.08亿元。农商行板块个股资金流向见下表： | 代码 | 名称 | 主力净流入(元) | 主力净占比 游资净流入 (元) | | 游资净占比 散户净流入 (元) | | 散户净占比 | | --- | --- | --- | --- | --- | --- | --- | --- | | 601528 瑞丰银行 | | -189.46万 | -3.06% | 123.45万 | 2.00% | 66.01万 | 1.07% | | 601825 沪农商行 | | -543.89万 | -3.01% | 426.29万 | 2.36% | 117.60万 | 0.65% | | 601860 | 紫金银行 | -740.49万 | -5.56% | -21.60万 | -0.16% | 762.08万 | 5.72% | | 600908 | 无锡银行 | -831.59万 | - ...

Core Viewpoint - The performance of A-share listed rural commercial banks in the first half of 2025 shows overall profit growth despite a declining net interest margin, with asset quality improving amidst increasing uncertainties [1][9]. Group 1: Financial Performance - All 10 A-share listed rural commercial banks reported year-on-year growth in net profit for the first half of 2025, despite a general decline in net interest margins [1]. - Jiangyin Rural Commercial Bank led the growth with a revenue of 2.401 billion yuan and a net profit of 846 million yuan, representing increases of 10.45% and 16.63% respectively [2]. - Changshu Rural Commercial Bank achieved revenue and net profit growth rates of 10.1% and 13.51%, maintaining a relatively high net interest margin of 2.58% [2]. Group 2: Net Interest Margin Trends - The net interest margin for several banks has shown a slowing decline, with some banks like Ruifeng Rural Commercial Bank experiencing a minimal drop of only 0.08 percentage points [4]. - Chongqing Rural Commercial Bank had the smallest decline in net interest margin, reducing by just 0.03 percentage points, while still achieving a 5.98% increase in interest income [4]. - However, banks like Zhangjiagang and Suzhou Rural Commercial Banks faced larger declines in net interest margins, with drops of 0.19 and 0.16 percentage points respectively [5]. Group 3: Asset Quality Improvement - The non-performing loan (NPL) ratio for rural commercial banks improved overall, with the average NPL ratio at 2.77%, a decrease of 0.03 percentage points from the end of 2024 [9]. - Qingdao Rural Commercial Bank showed the most significant improvement, with its NPL ratio decreasing by 0.04 percentage points to 1.75% [10]. - Despite improvements, challenges remain in retail loan quality, with some banks experiencing rising NPL ratios in specific sectors [11]. Group 4: Strategic Adjustments - Banks are adjusting their business structures and pricing strategies to mitigate the impact of declining net interest margins, with Chongqing Rural Commercial Bank effectively managing interest costs [6][7]. - The focus on enhancing non-interest income has been a key strategy, with banks like Changshu Rural Commercial Bank integrating financial and non-financial services to strengthen their competitive edge [7]. - Digital tools and data analytics are being utilized by banks to enhance customer targeting and service delivery, particularly in small and micro-business financing [12][13].

Core Insights - The agricultural commercial bank sector experienced a rise of 0.58% on September 10, with Yunnan Agricultural Commercial Bank leading the gains [1] - The Shanghai Composite Index closed at 3812.22, up 0.13%, while the Shenzhen Component Index closed at 12557.68, up 0.38% [1] Stock Performance - Yunnan Agricultural Commercial Bank (601077) closed at 6.66, with an increase of 1.83% and a trading volume of 1.061 million shares, amounting to 702 million yuan [1] - Jiangyin Bank (002807) closed at 4.92, up 1.44%, with a trading volume of 435,400 shares and a turnover of 213 million yuan [1] - Zijin Bank (601860) closed at 2.96, up 1.37%, with a trading volume of 570,400 shares and a turnover of 168 million yuan [1] - Other notable performances include Zhangjiagang Bank (002839) at 4.48 (+0.90%), and Wuxi Bank (600908) at 6.08 (+0.83%) [1] Capital Flow - The agricultural commercial bank sector saw a net outflow of 34.71 million yuan from institutional investors, while retail investors contributed a net inflow of 51.18 million yuan [1] - The detailed capital flow for individual stocks indicates that Changshu Bank (601128) had a net inflow of 20.62 million yuan from institutional investors, while it faced a net outflow of 15.01 million yuan from retail investors [2] - Yunnan Agricultural Commercial Bank (601077) experienced a significant net outflow of 42.29 million yuan from institutional investors, despite a retail net inflow of 36.90 million yuan [2]

分析人士指出，6项议案反对票比例接近，可能表明反对意见来自同一群体股东。这种集中表达反对意见的情况，在上市银行股东大会中较为罕见。相比之 下，前三项议案虽然也涉及股东利益，但未出现大比例反对票，进一步凸显了后6项议案的特殊性。 江阴银行股权结构呈现分散特征，第一大股东江苏江南水务股份有限公司持股比例仅为5.76%，前十大股东中持股比例最低者仅为1.61%。这种股权分布特 点导致股东参与公司治理的积极性不高。数据显示，本次股东大会共有288名股东及授权代表出席，代表有表决权股份679,042,290股，占股权登记日股份总 数的27.5877%。 上市银行股东大会上出现大比例反对票的情况并不多见，但江阴银行近期召开的临时股东大会却打破了这一惯例。在审议的9项议案中，前3项以超过99%的 同意票顺利通过，而后6项涉及公司治理规则修订的议案却遭遇了超过9.6%的反对票，这一现象引发了市场关注。 9月5日，江阴银行2025年第一次临时股东大会如期举行。会议审议的议案涵盖中期分红安排、监事会调整、公司章程修订等多个方面。其中，《关于2025年 中期分红安排的议案》《关于不再设立监事会相关事项的议案》《关于修订〈公司章程〉 ...

江阴银行的一场股东大会引起市场关注。近日，江阴银行2025年第一次临时股东大会上审议了9项议 案，值得注意的是，其中有6项议案遭到了近10%股东反对。 本次会议由江阴银行董事长宋萍主持，共计6名董事，2名监事，以及5名高级管理人员出席和列席会 议。 8月16日，江阴银行披露2025年半年度报告。2025年上半年，公司实现营业总收入24.01亿元，同比增长 10.45%；归母净利润8.46亿元，同比增长16.63%；扣非净利润8.27亿元，同比增长21.26%；经营活动产 生的现金流量净额为-58.5亿元，上年同期为-8.11亿元；报告期内，江阴银行基本每股收益为0.3437元， 加权平均净资产收益率为4.49%。 半年报显示，江阴银行总资产2075.77亿元，而金融投资资产650.33亿元，占比高达31.32%。其中，交 易性金融资产、债权投资、其他债权投资等三大科目均包括了政府债券、金融债券、企业债、同业存单 等品种的投资。 责任编辑：曹睿潼 虽然9项议案全部通过，但第四项至第九项议案这6项议案，均遭遇了超过9.6%以上的反对票。其中包 括了《关于修订〈股东会议事规则〉的议案》、《关于修订〈董事会议事规则〉 ...

Investment Rating - The report maintains an "Increase" rating for the banking sector, indicating a positive outlook for the industry [1]. Core Insights - In the first half of 2025, the contribution of financial asset disposal gains from AC and OCI accounts to revenue reached 5.2%, an increase of 2.9 percentage points compared to 2024 [1][2]. - The investment income growth rate for 42 listed banks was 23.6%, with AC, OCI, and TPL gains showing year-on-year growth rates of 134.7%, 79.0%, and -8.4% respectively [1]. - The report highlights that the increase in disposal gains does not necessarily indicate a significant increase in asset disposal scale, as market conditions and strategies vary among banks [2]. Financial Asset Disposal Gains - The contribution of AC and OCI financial asset disposal gains to revenue was 5.2%, up 2.9 percentage points from 2024, with AC asset disposal gains contributing 2.6% [2]. - Among different types of banks, rural commercial banks had the highest contribution from AC and OCI disposal gains, reaching 11.0%, an increase of 6.2 percentage points from 2024 [2]. - Specific banks such as Jiangyin Bank, Sunong Bank, and Zijin Bank had high disposal gain ratios relative to their revenue, at 28.9%, 26.7%, and 22.7% respectively [2]. OCI Floating Profit Situation - The overall OCI floating profit decreased compared to the end of the previous year, accounting for 12.6% of the estimated profit for 2025 [3]. - Major state-owned banks like CCB and ABC reported significant OCI floating profits, with balances exceeding 30 billion [3]. - The average contribution of OCI floating profits to profits for city and rural commercial banks was notably high, with Ningbo Bank's ratio reaching 35% [3][6]. Sector Trends - The banking sector is expected to benefit from expansionary policies aimed at stabilizing the economy, with a focus on real estate and consumer spending [7]. - The report suggests a focus on banks with improving fundamentals, such as Ningbo Bank, and those with dividend strategies like Jiangsu Bank and Chengdu Bank [7]. - Attention is also drawn to banks with potential convertible bond conversion expectations, including Shanghai Bank and Industrial Bank [7].

（文章来源：证券日报） 证券日报网讯 9月5日晚间，江阴银行发布公告称，公司2025年第一次临时股东大会审议通过了《关于 2025年中期分红安排的议案》等多项议案。 ...

2025 年第一次临时股东大会决议公告 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。 重要提示： 证券代码：002807 证券简称：江阴银行 公告编号：2025-030 江苏江阴农村商业银行股份有限公司 1、本次股东大会无否决提案的情形。 2、本次股东大会不存在变更以往股东大会已通过的决议。 一、会议召开情况和出席情况 1. 会议召开情况 （1）会议的召开日期、时间 现场会议召开时间：2025 年 9 月 5 日（星期五）下午 14:30。 网络投票时间：2025 年 9 月 5 日 其中，通过深圳证券交易所交易系统进行网络投票的时间为 2025 年 9 月 5 日上午 9:15～9:25、9:30～11:30，下午 13:00～15:00；通过深圳证券交易所互 联网投票系统投票的时间为 2025 年 9 月 5 日上午 9:15 至下午 15:00 期间的任 意时间。 （2）现场会议地点：江阴市澄江中路 1 号银信大厦二楼会议室。 （3）召开方式：采取现场投票与网络投票相结合的方式。 出席本次股东大会的股东及股东授权代表共 288 人，代表有表决权股份 679 ...