证券代码：002807 证券简称：江阴银行 公告编号：2023-041 转债代码：128034 转债简称：江银转债 江苏江阴农村商业银行股份有限公司 第八届董事会第三次会议决议公告 本议案同意票 10 票，反对票 0 票，弃权票 0 票。 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 2023 年 10 月 20 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三次会议的 通知，会议于 2023 年 10 月 30 日在江阴市澄江中路 1 号银信大厦会议室召开， 以现场方式进行表决。本行应参会董事 11 名，实际参会董事 11 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%，根据国家金融监督管理总局相关 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。会议审议通过了以下议案： 一、关于《2023 年三季度经营情况报告》的议案 本议案同意票 10 票，反对 ...

证券代码：002807 证券简称：江阴银行 公告编号：2023-042 转债代码：128034 转债简称：江银转债 江苏江阴农村商业银行股份有限公司 第八届监事会第三次会议决议公告 江苏江阴农村商业银行股份有限公司（以下简称"本行"）监事会及全体监事保证本公 告内容真实、准确和完整，没有虚假记载、误导性陈述或重大遗漏。 本行于 2023 年 10 月 20 日以电子邮件及书面方式向全体监事发出关于召开 第八届监事会第三次会议的通知，会议于 2023 年 10 月 30 日在江阴市澄江中路 1 号银信大厦会议室召开，以现场结合视频方式进行表决。本行应参会监事 9 名， 实际参会监事 9 名，会议由陈开成监事长主持，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。本次会议合法有效。会议审议通过了 以下议案： 一、关于《2023 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《2023 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 ...

证券代码：002807 证券简称：江阴银行 公告编号：2023-040 转债代码：128034 转债简称：江银转债 江苏江阴农村商业银行股份有限公司 关于 2023 年第三季度可转债转股情况的公告 本行及董事会全体成员保证信息披露内容的真实、准确和完整，没有虚假记载、误导性 陈述或重大遗漏。 特别提示： 可转债转股情况：截至 2023 年 9 月 28 日，江苏江阴农村商业银行股份有限 公司（以下简称"本行"）累计已有人民币 242,052,400 元江银转债转为本行 A 股普 通股，累计转股股数为 42,730,970 股，占江银转债转股前本行已发行普通股股份 总额的 2.4178%。 根据《深圳证券交易所股票上市规则》《深圳证券交易所上市公司自律监管 指引第 15 号——可转换公司债券》的有关规定，现将自 2023 年 7 月 1 日至 2023 年 9 月 28 日可转换公司债券（以下简称"可转债"）转股及股份变动的情况公告如 下： 一、江银转债发行上市基本概况 经中国证券监督管理委员会"证监许可〔2017〕2419 号"文核准，本行于 2018 年 1 月 26 日公开发行了 2,000 万张可转换公 ...

Group 1: Economic Development and Market Position - Jiangyin Bank's development is closely linked to the economic growth of Jiangyin City, which has 256,000 market entities, including 86,000 enterprises and 2,336 industrial enterprises above designated size [3] - The region's strong manufacturing sector includes many leading companies in niche markets, providing a solid foundation for serving small and micro enterprises, individual businesses, and new citizens [3] Group 2: Technological Empowerment - Jiangyin Bank is enhancing its digital banking capabilities by focusing on "scenario-based, personalized, and intelligent" services, including the launch of new mobile banking features and remote operation models [3] - The bank has introduced "Jiangyin e-loan 2.0" to expand its online loan marketing and improve customer acquisition [3] Group 3: Financial Performance and Risk Management - As of June 2023, the bank's mortgage loan scale was less than 10 billion yuan, accounting for approximately 8% of total loans, indicating a minimal impact on interest margins from mortgage rate adjustments [4] - The bank's deposit interest rate was 2.02% in the first half of 2023, a decrease of 12 basis points compared to the same period last year, reflecting effective management of high-interest deposits [4]

宋萍女士、倪庆华先生的简历详见本行 2023 年 6 月 29 日在巨潮资讯网 （www.cninfo.com.cn）发布的《第八届董事会第一次会议决议公告》（公告编号： 2023-030）。 特此公告。 江苏江阴农村商业银行股份有限公司董事会 2023 年 9 月 12 日 1 证券代码：002807 证券简称：江阴银行 公告编号：2023-039 转债代码：128034 转债简称：江银转债 江苏江阴农村商业银行股份有限公司 关于董事长、行长任职资格获核准的公告 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"）于近日收到 《国家金融监督管理总局无锡监管分局关于核准宋萍任职资格的批复》（锡金 复〔2023〕29 号）及《国家金融监督管理总局无锡监管分局关于核准倪庆华任 职资格的批复》（锡金复〔2023〕27 号），国家金融监督管理总局无锡监管分 局已核准宋萍女士担任本行董事长的任职资格及倪庆华先生担任本行行长的任 职资格。 ...

Financial Performance - Total operating income for the first half of 2023 was RMB 2,061,415,000, an increase of 1.25% compared to RMB 2,036,020,000 in the same period of 2022[19] - Total profit for the first half of 2023 reached RMB 625,153,000, representing a significant increase of 28.39% from RMB 486,928,000 in the first half of 2022[19] - Net profit attributable to shareholders for the first half of 2023 was RMB 656,467,000, up 14.23% from RMB 574,667,000 in the same period last year[19] - The net profit after deducting non-recurring gains and losses was RMB 564,578,000, a slight increase of 2.19% compared to RMB 552,480,000 in the first half of 2022[19] - Basic earnings per share for the first half of 2023 were RMB 0.3022, an increase of 14.21% from RMB 0.2646 in the first half of 2022[19] Assets and Liabilities - Total assets as of June 30, 2023, amounted to RMB 175,970,428,000, reflecting a growth of 4.28% from RMB 168,751,396,000 at the end of 2022[19] - Total liabilities increased by 4.41% to RMB 161,149,131,000 as of June 30, 2023, compared to RMB 154,335,869,000 at the end of 2022[19] - The net assets attributable to shareholders were RMB 14,609,512,000, a 2.34% increase from RMB 14,274,964,000 at the end of 2022[19] Loans and Deposits - Total deposits reached RMB 137.38 billion as of June 30, 2023, an increase of RMB 10.67 billion or 8.42% from the beginning of the year[39] - Total loans amounted to RMB 111.92 billion as of June 30, 2023, an increase of RMB 8.79 billion or 8.53% from the beginning of the year[39] - The balance of loans to agricultural and small micro enterprises reached RMB 100.41 billion, with a net increase of RMB 7.87 billion or 8.5% since the beginning of the year[39] Risk Management - The non-performing loan ratio was 0.98% as of June 30, 2023, unchanged from the previous year[29] - The bank's cost-to-income ratio improved to 27.12% in the first half of 2023, down from 30.39% in 2022[29] - The bank's liquidity ratio was 89.67% as of June 30, 2023, well above the regulatory requirement of 25%[29] Digital Transformation and Services - The bank has focused on enhancing services for small and medium-sized enterprises, particularly in the manufacturing sector, to support economic growth[38] - The bank's digital currency promotion plan was established, with a focus on enhancing the digital RMB wallet opening and binding activities[41] - The bank completed the functional construction and optimization of 104 electronic channel projects in the first half of the year[47] Environmental and Social Responsibility - The bank's management emphasized the importance of green finance and credit policies to support energy conservation and emission reduction[150] - The bank has not been classified as a key pollutant discharge unit by environmental protection authorities[149] - The bank's green credit balance reached 2.777 billion yuan by the end of June 2023[150] Shareholder Information - The bank plans not to distribute cash dividends or issue bonus shares for the half-year period[145] - The bank's annual shareholders meeting had an investor participation rate of 18.58% on May 22, 2023[142] - The first extraordinary shareholders meeting of 2023 had an investor participation rate of 16.19% on June 28, 2023[142] Corporate Governance - The bank's leadership underwent changes with several board members and supervisors resigning and new appointments made on June 28, 2023[144] - There were no significant related party transactions during the reporting period, including asset or equity acquisitions or sales[170] - The company did not report any major contracts or their execution status during the reporting period[179]

| | 开展调查和风险处置； | 损失吸收与风险抵 | | --- | --- | --- | | | | 御机制。 | | 第一百三十三条 董事会运用本行资 | 第一百三十三条 董事会运用本行资 | | | 产进行股权投资或对本行资产进行 | 产进行股权投资或对本行资产进行 | | | 购置或处置事项的权限由股东大会 | 购置或处置事项的权限由股东大会 | | | 决定，董事会应当就其行使上述权限 | 决定，董事会应当就其行使上述权限 | | | 建立严格的审查、决议程序和授权制 | 建立严格的审查、决议程序和授权制 | | | 度，并报股东大会批准。 | 度，并报股东大会批准。 | | | 对日常经营活动中涉及的重大 | 对日常经营活动中涉及的重大 | | | 投资及重大资产处置，按以下授权执 | 投资及重大资产处置，按以下授权执 | | | 行： | 行： | | | （一）本行作出的对外股权投资 | （一）股权投资：董事会审议决 | | | 及其处置，单笔金额在本行最近一次 | 定本行年度投资计划内单笔投资额 | | | 经审计的资本净额 5%以下的交易， | 在本行最近一期经审计的所有者权 | | ...

公司新增 2023 年度日常关联交易预计事项符合公司业务发展的 实际需要，属于正常的商业交易行为。关联交易事项在关联各方平等 协商的基础上按照市场原则进行，遵循"公平、公正、公开"的原则， 交易定价公允合理，决策程序合法有效，不存在损害公司及股东利益， 江苏江阴农村商业银行股份有限公司 独立董事对相关事项发表的独立意见 根据《上市公司独立董事规则》《上市公司治理准则》《深圳证券 交易所股票上市规则》《公开发行证券的公司信息披露内容与格式准 则第 3 号——半年度报告的内容与格式 （2021 年修订）》等相关法 律法规的要求，作为江苏江阴农村商业银行股份有限公司（以下简称 "公司"）独立董事，基于独立判断的立场，特就公司下列事项发表独 立意见： 一、关于对外担保、占用公司资金的独立意见 担保业务是公司经中国人民银行和国家金融监督管理总局批准 的常规银行业务之一，公司重视该项业务的风险管理，严格执行有关 操作流程和审批程序，有效控制对外担保业务的风险。2023年上半年， 公司认真贯彻执行证监会相关文件的规定，除经监管机构批准的经营 范围内的金融担保业务外，不存在其它需要披露的对外担保事项。 截止 2023 年 6 ...