证券代码：002807 证券简称：江阴银行 公告编号：2023-035 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 第八届董事会第二次会议决议公告 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 2023 年 8 月 15 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二次会议的通 知，会议于 2023 年 8 月 25 日在江阴市澄江中路 1 号银信大厦会议室召开，以现 场结合通讯方式进行表决。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 年上半年经营情况报告》的议案 本议案同意票 10 票，反对票 0 票，弃权票 0 票。 二、关于《2023 年 ...

江苏江阴农村商业银行股份有限公司独立董事 对新增 2023 年度日常关联交易预计额度的 事前认可意见 根据《上市公司独立董事规则》、《深圳证券交易所 上市公司自律监管指引第 1 号——主板上市公司规范运 作》等法律法规和公司《章程》等有关规定，作为江苏江 阴农村商业银行股份有限公司（以下简称"公司"）的独 立董事，就拟提交公司第八届董事会第二次会议审议的 《关于新增 2023 年度日常关联交易预计额度的议案》，现 发表事前认可意见如下： 公司已就本次与公司关联方的日常交易事项事先与我 们进行了充分、有效的沟通，相关日常关联交易事项及资料 已取得我们的认可，我们同意将该议案提交公司第八届董事 会第二次会议审议，本次与关联方的日常关联交易事项是因 公司正常经营需要而发生的，关联交易价格由交易方依据市 场价格公平、合理地确定，均遵循了平等、自愿、等价、有 偿的原则，不存在损害公司及股东利益，特别是中小股东利 益的情形。 （以下无正文） （此页无正文，为《江苏江阴农村商业银行股份有限公司 独立董事对新增 2023 年度日常关联交易预计额度的事前认 可意见》的签字页） 周 凯 乐宜仁 汪激清 董 斌 2023 年 8 ...

注：江苏江阴农村商业银行股份有限公司（以下简称"本行"）作为上市的商业银行，经营范围包括贷款及资金业务。本行向关联方发放的贷款及开展的资金业务 严格按照中国人民银行的规定开展，不属于一般意义上的关联方占用上市公司资金范畴。有关本行关联方的重大交易，已在本行截至 2023 年 6 月 30 日止半年 度未经审计的财务报表附注中披露，未在本表中列示。 江苏江阴农村商业银行股份有限公司 2023 年 1-6 月非经营性资金占用及其他关联资金往来情况汇总表 单位：千元 | | 资金占用 | 占用方与上市 | 上市公司核 | 2023 年期初占 | 年 2023 1-6 | 月占 | 年 月 2023 1-6 | 年 2023 1-6 | 年 2023 | 6 | 占用形成 | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 非经营性资金占用 | 方名称 | 公司的关联关 | 算的会计科 | 用资金余额 | 用累计发生金额 | | 占用资金的利 | 月偿还累计 | 月末占用资 | | 原因 | 占用性 ...

证券代码：002807 证券简称：江阴银行 公告编号：2023-037 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 关于新增 2023 年度日常关联交易预计额度的公告 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。 特别提示：关联方信贷业务属于银行正常经营范围内发生的常规业务，而关联方的资金 需求取决于其自身经营发展情况，因此本行的关联方交易预计存在着不确定性。 一、日常关联交易基本情况 （二）新增 2023 年度日常关联交易预计额度 本行日常关联交易属于本行的日常银行业务，具体交易条款根据业务性质、 交易金额及期限、市场状况、国家相关政策规定及适用行业惯例，按公平原则协 商订立，定价以不优于对非关联方同类交易的条件进行。本行新增 2023 年与关 联方日常关联交易预计额度如下： 单位：万元 | | | 关联交 | 新增 2023 年 | 截止披露 | 2022 年 | | --- | --- | --- | --- | --- | --- | | 序号 | 关联方 | | 日常关联交 | | | | | | 易内容 | 易预计额 ...

证券代码：002807 证券简称：江阴银行 公告编号：2023-036 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 第八届监事会第二次会议决议公告 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 2023 年 8 月 15 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二次会议的通 知，会议于 2023 年 8 月 25 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 年半年度报告》及摘要审核意见的议案 监事会认为本行董事会编制和审核《2023 年半年度报告》及摘要的程序符合 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， ...

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。 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倪庆华等任职资格的批复》（锡金 复﹝2023﹞15 号），国家金融监督管理总局无锡监管分局核准倪庆华、徐建东 江苏江阴农村商业银行股份有限公司董事的任职资格，董斌江苏江阴农村商业 银行股份有限公司独立董事的任职资格。 证券代码：002807 证券简称：江阴银行 公告编号：2023-034 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 关于董事任职资格获核准的公告 倪庆华先生、徐建东先生、董斌先生的简历详见本行 2023 年 6 月 13 日在巨 潮资讯网（http://www.cninfo.com.cn）发布的《江苏江阴农村商业银行股份有限公司 第七届董事会 2023 年第一次临时会议决议公告》。 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 8 月 25 日 1 ...

Financial Performance and Market Position - Jiangyin Bank's loan balance reached 1082.76 billion yuan by the end of Q1 2023, an increase of 51.47 billion yuan from the beginning of the year, representing a growth rate of 4.99% [4] - The bank's market share in Jiangyin region for deposits and loans was 21.01% and 16.16% respectively at the end of 2022, showing an increase of 6BP and 47BP from the beginning of the year [3] - Jiangyin's GDP in 2022 was 475.4 billion yuan, accounting for approximately 1/3 of Wuxi's total GDP [3] Capital Structure and Convertible Bonds - As of March 2023, 242,047,400 yuan of "Jiangyin Convertible Bonds" had been converted into A-shares, representing 12.1024% of the total issuance [4] - The bank's core tier 1 capital adequacy ratio stood at 12.95%, tier 1 capital adequacy ratio at 12.96%, and total capital adequacy ratio at 14.09% as of March 2023 [4] Regional Economic Context - Jiangyin City, located at the geometric center of the Yangtze River Delta, contributes 5% of Jiangsu's GDP with 1% of its land area [3] - The city is home to 2334 large-scale enterprises and 141 provincial-level specialized and sophisticated enterprises as of 2022 [3] - 43 enterprises from Jiangyin were listed in the 2022 China Top 500 Enterprises [3] Business Development Strategy - The bank has been expanding its regional presence since 2008, establishing 5 village banks and 7 branches in other regions [3] - Since 2016, the bank has opened branches in Suzhou, Wuxi, and Changzhou, all located in the core area of the Yangtze River Delta [3] - The bank has been focusing on retail transformation and expanding inclusive finance business, leading to a gradual decrease in average loan size [3] Investor Relations and Communication - The bank held an investor exchange event on May 26, 2023, in Suzhou, attended by representatives from 28 institutions including major securities firms and fund companies [2] - The bank plans to strengthen communication with investors, particularly major shareholders, to promote the conversion of convertible bonds [4]

Financial Performance - Total deposits reached CNY 133.21 billion, an increase of CNY 6.50 billion or 5.13% compared to the beginning of the year[7] - Total loans amounted to CNY 108.28 billion, up CNY 5.15 billion or 4.99% year-to-date[7] - Operating revenue for the quarter was CNY 1.036 billion, an increase of CNY 40 million or 4.03% year-on-year[16] - Net profit attributable to shareholders was CNY 310.23 million, up CNY 35 million or 12.78% year-on-year[16] - Basic earnings per share increased to CNY 0.1428, up 12.80% from the previous year[16] - Net profit for Q1 2023 reached RMB 310,553 thousand, compared to RMB 275,082 thousand in the previous year, marking an increase of 12.9%[41] - The earnings per share for Q1 2023 were RMB 0.1428, compared to RMB 0.1266 in the same period last year, reflecting a growth of 17.4%[41] - The net profit attributable to shareholders increased by 50.32% year-on-year, reaching 332,722 thousand RMB[74] Asset and Liability Management - The total assets of the bank reached CNY 176.20 billion, an increase of 4.41% compared to the end of the previous year[16] - The bank's total assets amounted to RMB 176,198,493 thousand, up from RMB 168,751,396 thousand, representing a growth of 4.3% year-over-year[38] - The total liabilities increased to RMB 161,449,916 thousand from RMB 154,335,869 thousand, reflecting a rise of 4.3%[38] - The bank's total liabilities increased by 35.49% year-on-year, amounting to 2,549,028 thousand RMB, due to adjustments in the liability structure[73] Credit Quality - Non-performing loan ratio stood at 0.97%, a decrease of 0.01 percentage points since the beginning of the year[11] - The bank's non-performing loan ratio remained stable, with credit impairment losses increasing to RMB 473,886 thousand from RMB 418,430 thousand, indicating a rise of 13.2%[41] - The non-performing loan ratio is at 0.97%, significantly below the maximum threshold of 5%[64] - The bank's normal loan classification ratio was 98.18%, slightly up from 98.10% in the previous period[55] Capital Adequacy and Ratios - The weighted average return on equity was 2.15%, an increase of 0.06 percentage points compared to the previous year[16] - The core Tier 1 capital adequacy ratio improved to 12.96%, compared to 12.78% in the previous period[51] - The core Tier 1 capital adequacy ratio for Q1 2023 is 12.95%, exceeding the regulatory standard of 7.5%[64] - The liquidity coverage ratio stands at 119.71%, well above the required minimum of 100%[64] - The bank's capital adequacy ratio was maintained at a healthy level, supporting future growth and expansion strategies[41] Operational Efficiency - The cost-to-income ratio improved to 26.64%, down from 30.39% in the previous year, indicating better operational efficiency[64] - Net interest income rose to RMB 809,088 thousand, up from RMB 791,308 thousand, reflecting a growth of 2.5%[41] - The total amount of loans reached 108,276,316 thousand RMB, up from 103,128,878 thousand RMB in the previous period[60] Investment Performance - The bank reported a significant increase in fair value gains, which rose to RMB 55,269 thousand from RMB 8,182 thousand, indicating a strong performance in investment activities[41] - The trading financial assets increased by 47.16% year-on-year, reaching 15,592,365 thousand RMB, primarily due to an increase in bond holdings[71] Cash Flow - Net cash flow from operating activities was -319,559 thousand RMB, compared to -8,647 thousand RMB in the previous period[44] - The cash flow from operating activities showed a net outflow of 319,559 thousand RMB, a significant decrease compared to the previous year's outflow of 8,647 thousand RMB[75] - The net cash flow from investing activities was 1,983,350 thousand RMB, compared to 369,799 thousand RMB in the previous period[44] - Cash and cash equivalents at the end of the period decreased to 2,213,051 thousand RMB from 2,447,583 thousand RMB in the previous period[44] - The bank's cash and cash equivalents net decrease was 197,626 thousand RMB, a decline of 245.03% compared to the previous year[78] Future Plans - The bank plans to enhance credit lending to high-tech and small enterprises, focusing on consumer demand expansion[10] - The bank plans to continue expanding its market presence and investing in new technologies to enhance service offerings and operational efficiency[41] Shareholder Information - The top shareholder, Jiangyin Xinjinnan Investment Development Co., Ltd., holds 4.18% of the shares, totaling 90,892,500 shares[83] - Jiangyin Development Zone Shengan Park Investment Co., Ltd. is the second-largest shareholder with a 4.10% stake, amounting to 88,978,066 shares[83] - The third-largest shareholder, Hong Kong Central Clearing Limited, owns 4.03% of the shares, which is 87,522,765 shares[83] - Jiangyin Zhenhong Dyeing Co., Ltd. holds 3.33% of the shares, with 72,267,732 shares, and has pledged 30,111,555 shares[83] - Jiangyin Changjiang Investment Group Co., Ltd. owns 3.24% of the shares, totaling 70,450,000 shares, with 39,606,900 shares pledged[83] - Jiangyin Aiyisi Group Wool Spinning Co., Ltd. has a 2.85% stake, amounting to 61,884,792 shares[83] - Jiangyin Meilun Yarn Industry Co., Ltd. holds 1.98% of the shares, totaling 43,018,500 shares[83] - Jiangyin New Guolian Group Co., Ltd. owns 1.83% of the shares, which is 39,742,726 shares[83] - Jiangsu Shuangliang Technology Co., Ltd. holds 1.79% of the shares, amounting to 38,772,778 shares[83] - Jiangyin Feiyan Venture Investment Co., Ltd. has a 1.43% stake, totaling 31,061,524 shares[83]