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]

Group 1: Economic Support and Loan Distribution - Jiangyin Bank focuses on serving the real economy, particularly in the manufacturing sector, which constitutes 57.76% of the total loan amount [2] - The bank has supported over 4,000 manufacturing enterprises with a loan balance of 289.11 billion [2] - Jiangyin is recognized as a leading county in industrial economy and private economy within the Yangtze River Delta region [2] Group 2: Investment Strategy and Market Position - The bank's investment income in Q1 2017 remained stable compared to the same period last year [2] - In a tightening financial environment, the bank adopts a defensive strategy in the bond market, focusing on short-duration investments [2] - Jiangyin Bank maintains the largest market share among local financial institutions in Jiangyin [2] Group 3: Risk Management and Loan Recovery - The non-performing loan (NPL) ratio has remained stable since the end of last year [2] - The bank has enhanced loan entry standards and risk control measures to improve overall risk management capabilities [2] - Efforts to accelerate the recovery of non-performing loans include setting up special assessments and tailored recovery plans [2] Group 4: Compliance and Information Disclosure - The bank ensures compliance with information disclosure regulations, guaranteeing the accuracy and completeness of disclosed information [2] - There have been no incidents of significant undisclosed information leaks during the investor relations activities [2]

证券代码：002807 证券简称：江阴银 江阴银行投资者关系活动记录表 编号:2017-05 | --- | --- | --- | |-----------------------------|---------------------------------------------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------| | 投资者关系活动类 别 | √ 特定对象调研 □ 媒体采访 □ 新闻发布会 □ 现场参观 | □分析师会议 □ 业绩说明会 □路演活动 □ 其他： | | | | | | 参与单位名称及人 员姓名 | ...

Group 1: Market Position and Competition - Jiangyin Bank maintains the largest market share in deposits and loans among local financial institutions, despite intense competition from 26 commercial banks in Jiangyin [2][3] - The bank's performance is stable, with a focus on accelerating the disposal of non-performing loans [3] Group 2: Financial Health and Strategy - Jiangyin Bank's non-performing loan ratio is slightly higher than average, but the non-performing loan balance in Jiangyin is less than half of the bank's total non-performing loans [3] - The bank has implemented strategies to optimize credit asset disposal and has seen initial control over non-performing loans [3] Group 3: Expansion and Development - The opening of the Changzhou branch on December 21, 2016, marks a significant step in the bank's cross-regional development and the establishment of a branch management model [3] - The bank has optimized its network by opening its first microfinance branch and establishing multiple quick loan teams in urban and rural areas [3] Group 4: Communication and Compliance - During investor relations activities, the bank ensured compliance with information disclosure regulations, maintaining the accuracy and timeliness of disclosed information [3]

证券代码：002807 证券简称：江阴银 江阴银行投资者关系活动记录表 编号:2017-04 | --- | --- | --- | |-----------------------------|---------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- ...