证券代码：002807 证券简称：江阴银行 公告编号：2025-013 江苏江阴农村商业银行股份有限公司 第八届监事会第九次会议决议公告 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 2025 年 4 月 8 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九次会议的 通知，会议于 2025 年 4 月 18 日在江阴市澄江中路 1 号银信大厦会议室召开，本 次会议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 惠国语监事长主持，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《2025 年第一季度报告》审核意见的议案 监事会认为本行董事会编制和审核《2025 年第一季度报告》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《2025 年第一季度报 ...

江苏江阴农村商业银行股份有限公司 第八届董事会第九次会议决议公告 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 2025 年 4 月 8 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九次会议 的通知，会议于 2025 年 4 月 18 日在江阴市澄江中路 1 号银信大厦会议室召开， 会议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。会议审议通过了以下议案： 一、关于《2025 年第一季度经营情况报告》的议案 本议案同意票 12 票，反对票 0 票，弃权票 0 票。 二、关于《2025 年第一季度报告》的议案 本行董事会审计委员会审议通过了该项议案，《2025 年第一季度报告》同日 在《证券时报》《上海证券报》《中国证券报》 ...

Financial Performance - Total operating income for Q1 2025 reached RMB 1,126,513,000, a year-on-year increase of 6% compared to RMB 1,062,718,000 in the same period last year[8] - Net profit attributable to shareholders was RMB 357,469,000, reflecting a 2.22% increase from RMB 349,695,000 in the previous year[8] - Investment income for Q1 2025 reached RMB 414,766,000, a 143.55% increase compared to RMB 170,297,000 in Q1 2024, primarily due to increased gains from debt investment disposals[19] - Net profit for the first quarter was CNY 352,364,000, a slight increase of 0.2% compared to CNY 351,492,000 in the same period last year[45] Cash Flow - The net cash flow from operating activities improved significantly to RMB 2,802,717,000, a 160.53% increase from a negative RMB 4,630,014,000 in the same period last year[8] - Operating cash inflows totaled RMB 8,930,728,000 in Q1 2025, up 1087.24% from RMB 752,223,000 in Q1 2024, while operating cash outflows increased by 13.86% to RMB 6,128,011,000[20] - The net cash flow from operating activities improved to RMB 2,802,717,000 in Q1 2025, compared to a negative RMB 4,630,014,000 in Q1 2024, marking a 160.53% increase[20] Assets and Liabilities - Total assets at the end of Q1 2025 amounted to RMB 207,058,078,000, representing a 3.41% increase from RMB 200,232,115,000 at the end of the previous year[8] - Total liabilities at the end of the reporting period are RMB 187,923,592,000, up from RMB 181,373,359,000 year-over-year[44] - Total equity attributable to shareholders of the parent company is RMB 18,870,525,000, compared to RMB 18,589,690,000 at the end of the previous year[44] Deposits and Loans - The total deposits reached RMB 161,808,000,000, with a growth rate of 6.57% since the beginning of the year, while total loans amounted to RMB 129,605,000,000, increasing by 4.41%[10] - Total deposits as of March 31, 2025, amounted to RMB 164,356,978,000, an increase from RMB 154,991,816,000 as of December 31, 2024[23] - The total loan principal as of March 31, 2025, was RMB 129,605,340,000, up from RMB 124,129,589,000 at the end of 2024[23] Risk Management - The non-performing loan ratio remained stable at 0.86%, unchanged from the beginning of the year, indicating effective risk control[10] - The non-performing loan ratio was stable at 0.86% as of Q1 2025, unchanged from 2024[25] Operational Efficiency - The bank's weighted average return on equity decreased by 0.18 percentage points to 1.91% compared to the previous year[8] - The cost-to-income ratio improved to 25.31% in Q1 2025, down from 30.15% in 2024, indicating enhanced operational efficiency[25] - The net interest margin for Q1 2025 was reported at 1.51%, compared to 1.76% in 2024, reflecting changes in interest income and expenses[25] Digital Transformation and Strategy - The bank's digital transformation initiatives have led to improved operational efficiency, achieving a "2C" rating in the national financial regulatory technology assessment, ranking first among rural commercial banks in the province[11] - The bank is actively pursuing a differentiated transformation strategy for its branches, enhancing service quality and customer engagement through various innovative financial models[11] Shareholder Information - Total number of common shareholders at the end of the reporting period is 47,510[37] - Jiangsu Jiangnan Water Co., Ltd. holds 5.76% of shares, totaling 141,819,494 shares[37] - The company has no significant changes in the shareholding structure of the top 10 shareholders compared to the previous period[38] Other Financial Metrics - The capital adequacy ratio stood at 14.87% in Q1 2025, slightly down from 15.22% in 2024, remaining above the regulatory requirement of 10.5%[24] - The leverage ratio as of March 31, 2025, was 8.27%, slightly down from 8.40% at the end of 2024[32] - Cash and deposits with the central bank increased to RMB 9,055,553,000 from RMB 8,516,925,000 year-over-year[42] - Loans and advances issued reached RMB 125,948,728,000, up from RMB 120,434,790,000 year-over-year[42] - Other debt investments increased to RMB 20,573,673,000 from RMB 14,417,494,000 year-over-year[42] Audit Status - The financial report for the first quarter of 2025 was not audited[48]

金十数据4月21日讯，江阴银行公告，2025年第一季度营收为11.27亿元，同比增长6.00%；净利润为 3.57亿元，同比增长2.22%。 江阴银行：2025年一季度净利润3.57亿元 同比增长2.22% ...

A股银行板块午后持续下挫，浦发银行跌超2%，齐鲁银行、江阴银行、厦门银行、苏州银行等个股跟 跌。 ...

证券代码：002807 证券简称：江阴银行 公告编号：2025-011 江苏江阴农村商业银行股份有限公司 2024 年年度股东大会决议公告 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： 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 4 月 18 日（星期五）下午 14:30。 网络投票时间：2025 年 4 月 18 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 4 月 18 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 4 月 18 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.本行董事、监事和高级管理人员出席和列席会议。江苏世纪同仁律师事 务所律师对本次会议作了见证，并出具法律意见书。 二、提案审议表 ...

江苏世纪同仁律师事务所 关于江苏江阴农村商业银行股份有限公司 2024 年年度股东大会的法律意见书 致：江苏江阴农村商业银行股份有限公司 根据《中华人民共和国公司法》《中华人民共和国证券法》和中国证券监督 管理委员会《上市公司股东会规则》等法律、法规和规范性文件以及《江苏江阴 农村商业银行股份有限公司章程》（以下简称"《公司章程》"）的规定，江苏世纪 同仁律师事务所（以下简称"本所"）受江苏江阴农村商业银行股份有限公司（以 下简称"公司"或"贵公司"）董事会的委托，指派本所律师出席贵公司 2024 年 年度股东大会，并就本次股东大会的召集、召开程序、出席会议人员资格、召集 人资格、表决程序以及表决结果的合法有效性等事项出具法律意见。 为出具本法律意见书，本所律师对本次股东大会所涉及的有关事项进行了审 查，查阅了相关会议文件，并对有关问题进行了必要的核查和验证。 本所律师同意将本法律意见书随贵公司本次股东大会决议一并公告，并依法 对本法律意见书承担相应的责任。 本所律师根据相关法律、法规和规范性文件的要求，按照律师行业公认的业 务标准、道德规范和勤勉尽责精神，出具法律意见如下： 江阴银行 2024 年年度股东大 ...

上市银行高管的薪酬水平或与银行的业绩表现相挂钩。对比上一年，江阴银行高管的薪酬水平均有不同程度的提高，2023年年报显示，董事长宋萍当年从公 司获得的税前报酬总额为110.2万元；董事会秘书卞丹娟为81.41万元；倪志娟、王凯、王安国三位副行长的薪酬在90万元左右的水平。 值得一提的是，倪庆华行长任职资格于2023年9月获批， 因此2023年年报披露，其当年从公司获得的税前报酬总额为62.83万元。公开资料显示，倪庆华出生 于1976年11月，在昆山农商银行就职20余年，历任昆山农商银行陆家支行行长助理，昆山农商银行电子银行部总经理助理、副总经理，昆山农商银行网络金 融部副总经理、总经理，昆山农村商业银行党委委员、副行长。 于干也是2023年新加入的高管，2023年11月江阴银行发布公告，同意聘任于干为副行长。2024年2月，于干副行长任职资格获批。2023年年报显示，于干当 年从公司获得的税前报酬总额为7.48万元。公开资料显示，于干于1989年4月出生，2011年参加工作，曾先后担任昆山农商银行信用卡部总经理助理、小微 事业部副总经理（主持工作）、普惠金融事业部总经理、零售总裁兼个人金融部总经理、零售总裁 ...

Core Viewpoint - The article highlights the significant increase in cash dividends among listed banks in 2024, with state-owned banks leading in both total dividend amounts and payout ratios, reflecting a strong commitment to shareholder returns [2][7]. Summary by Sections Dividend Distribution Overview - As of April 8, 2024, 23 A-share listed banks have disclosed their annual reports, collectively distributing cash dividends of 56.8862 billion yuan, an increase of over 10.1887 billion yuan year-on-year [2][3]. - The six major state-owned banks are identified as the primary contributors, proposing a total cash dividend exceeding 420 billion yuan, with payout ratios consistently above 30% [7][8]. Individual Bank Performance - Industrial and Commercial Bank of China (ICBC) leads with a cash dividend of 109.773 billion yuan, followed by China Construction Bank and Agricultural Bank of China with 100.754 billion yuan and 84.661 billion yuan respectively [3][8]. - Among joint-stock banks, China Merchants Bank stands out with a dividend payout ratio of 35.32%, distributing over 50 billion yuan [4][9]. Trends in Dividend Frequency and Ratios - The article notes a shift in dividend frequency for state-owned banks to twice a year, enhancing their attractiveness to investors [8][9]. - In contrast, city commercial banks and rural commercial banks generally exhibit lower dividend scales and ratios, with Zhengzhou Bank having the lowest payout ratio at 9.69% [5][9]. Market Valuation and Investor Sentiment - The banking sector is currently experiencing a comprehensive decline in valuation, with an overall price-to-book (PB) ratio below 1, indicating a potential undervaluation of bank stocks [5][17]. - Over 20 banks have announced valuation enhancement plans in response to prolonged low valuations, aiming to improve investor returns and confidence [16][19]. Regulatory and Strategic Considerations - Regulatory bodies have been encouraging listed companies to increase dividend distributions, which has influenced the banks' decisions to enhance their payout strategies [7][12]. - The article emphasizes the importance of maintaining a balance between dividend payouts and capital retention for risk management and growth [10][19].

Core Viewpoint - The A-share listed banks are experiencing significant changes in their business structures, particularly in the consumer loan sector, amidst a challenging macroeconomic environment and tightening interest margins [1][2]. Group 1: Consumer Loan Growth - The total consumer loan balance has surged by nearly 750 billion yuan, with most banks reporting substantial increases in their consumer loan portfolios [3][5]. - Among 23 listed banks, only six reported a decrease in consumer loan balances for 2024, with Ping An Bank seeing the largest reduction of 70.63 billion yuan [5]. - Major banks like Postal Savings Bank, China Construction Bank, and Agricultural Bank of China have reported double-digit growth in consumer loans, with increases of 17.88%, 26.21%, and 38.03% respectively [6][7]. Group 2: Risk Management Concerns - Industry insiders express concerns about rising non-performing loans (NPLs) in the consumer loan sector, indicating that banks must tighten risk controls as economic cycles fluctuate [2][12]. - Several banks, including Industrial and Commercial Bank of China and Agricultural Bank of China, have reported increases in their consumer loan NPL ratios, highlighting the need for enhanced risk management strategies [12][13]. - The rapid growth of consumer loans has raised alarms about potential risks, with banks emphasizing the importance of maintaining asset quality and effective post-loan management [12][14]. Group 3: Regulatory Changes and Market Dynamics - In March, regulatory changes extended the repayment period for consumer loans from five to seven years and increased the maximum loan amount, aiming to support consumer spending [10]. - Following these changes, banks quickly halted low-interest consumer loans to prevent a price war that could lead to increased risks [12]. - The competitive landscape for consumer loans is shifting, with banks focusing on the relatively lower costs and stable returns associated with consumer lending compared to corporate lending [9].