Group 1 - The company announced a profit distribution plan that requires approval from the shareholders' meeting before implementation [1] - The proposed cash dividend is set at RMB 1.0 per 10 shares (including tax), with no capital reserve fund conversion or bonus shares issued [3] - As of September 30, 2025, the company has issued 2.461 billion shares, leading to a proposed cash dividend of RMB 246 million (including tax), which represents 19.25% of the net profit attributable to the parent company in the consolidated financial statements [3]

Core Viewpoint - Jiangyin Rural Commercial Bank announced a profit distribution plan for the first half of 2025, proposing a cash dividend of RMB 1.0 per 10 shares, subject to shareholder approval [1] Summary by Sections Dividend Distribution - The bank plans to distribute profits based on a total share capital of 2.461 billion shares, resulting in a proposed cash dividend of RMB 246 million (before tax) [1] - The proposed cash dividend represents 19.25% of the net profit attributable to the parent company in the consolidated financial statements [1] Approval Process - The profit distribution proposal is pending approval from the bank's shareholders' meeting before implementation [1] - Any changes in the total share capital between the announcement date and the dividend record date will lead to an adjustment in the total dividend amount while maintaining the per-share distribution ratio [1]

Core Insights - Jiangyin Rural Commercial Bank reported a revenue of 3.204 billion yuan for the first three quarters of 2025, representing a year-on-year growth of 6.17% [1] - The bank's net profit attributable to shareholders reached 1.278 billion yuan, with an increase of 13.38% [1] - The net interest margin stood at 1.56%, while the net interest spread was 1.39%, both showing a quarter-on-quarter increase of 2 basis points [1] Business Scale - As of the end of the reporting period, the total deposits of Jiangyin Rural Commercial Bank amounted to 165.073 billion yuan, an increase of 13.247 billion yuan since the beginning of the year, reflecting a growth rate of 8.73% [1] - The total loans reached 131.957 billion yuan, with an increase of 7.828 billion yuan since the start of the year, marking a growth rate of 6.31% [1] Asset Quality - As of the end of September, the non-performing loan ratio was 0.85%, a decrease of 0.01 percentage points from the beginning of the year [1] - The provision coverage ratio was reported at 371.91%, and the capital adequacy ratio stood at 14.92% [1]

Core Viewpoint - Jiangyin Bank (002807.SZ) reported a total operating income of 3.2 billion yuan for the first three quarters, reflecting a year-on-year growth of 6.17% [1] - The net profit attributable to shareholders of the listed company reached 1.278 billion yuan, marking a year-on-year increase of 13.38% [1] - The net profit attributable to shareholders after deducting non-recurring gains and losses was 1.229 billion yuan, showing a year-on-year growth of 14.94% [1] Financial Performance - Total operating income for the first three quarters: 3.2 billion yuan, up 6.17% year-on-year [1] - Net profit attributable to shareholders: 1.278 billion yuan, up 13.38% year-on-year [1] - Net profit after deducting non-recurring gains and losses: 1.229 billion yuan, up 14.94% year-on-year [1]

证券代码：002807 证券简称：江阴银行 公告编号：2025-037 江苏江阴农村商业银行股份有限公司 关于召开 2025 年第二次临时股东会的通知 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"）2025 年第二次 临时股东会定于 2025 年 11 月 14 日下午 14：30 召开，会议有关事项如下： 一、召开会议基本情况 （一）股东会届次：2025 年第二次临时股东会 （二）召集人：本行董事会 2025 年 10 月 27 日，经本行第八届董事会第十一次会议审议通过，决定于 2025 年 11 月 14 日召开 2025 年第二次临时股东会。 （三）会议召开的合法合规性说明：本行第八届董事会第十一次会议审议通 过了《关于召开 2025 年第二次临时股东会的议案》。本行董事会认为本次股东 会的召开符合有关法律、法规、规章和本行《章程》的规定。 （四）召开时间 1．现场会议召开时间：2025 年 11 月 14 日（星期五）下午 14:30。 2．网络投票时间：通过深圳证券交易所交易系统进行网络投票的时间为 ...

证券代码：002807 证券简称：江阴银行 公告编号：2025-034 江苏江阴农村商业银行股份有限公司 第八届董事会第十一次会议决议公告 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 10 月 17 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十一次 会议的通知，会议于 2025 年 10 月 27 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 11 名（其中：董事 周凯、董事朱南军以视频表决方式出席会议），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%，根据监管相关规定，董事徐建 东本次会议无表决权。本行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 年第三季度经营情况报告》的议案 本议案同意票 10 票，反对票 0 票，弃权票 0 票。 三、关于《2025 年 ...

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。 重要内容提示： ●每股分配比例：每 10 股派发现金红利人民币 1.0 元（含税）。 ●本次利润分配以实施权益分派股权登记日登记的总股本为基数，具体股权 登记日期将在权益分派实施公告中明确。 ●本次利润分配预案尚待本行股东会审议通过后方可实施。 一、本次中期分红方案的基本情况 2025 年前三季度，江苏江阴农村商业银行股份有限公司（以下简称"本行"） 未经审计的合并报表中，税后净利润 125789.25 万元，归属于母公司净利润 127835.65 万元。截至 2025 年 9 月 30 日，本行合并报表中期末未分配利润为 457504.78 万元，本行母公司报表中期末未分配利润为 454385.27 万元，按照 母公司与合并报表数据孰低原则，截至 2025 年 9 月 30 日，本行可供股东分配 的利润为 454385.27 万元。按照《公司法》及本行章程，本期无需提取法定公 积金或任意公积金。 证券代码：002807 证券简称：江阴银行 公告编号：2025-035 江苏江阴农村商业银行股份有限公司 2025 年中 ...

Core Viewpoint - Jiangyin Bank (002807) announced a profit distribution plan for the first half of 2025, proposing a cash dividend of RMB 1.0 per 10 shares (tax included) [1] Group 1 - Jiangyin Bank plans to distribute cash dividends to its shareholders [1] - The proposed dividend reflects the bank's ongoing commitment to returning value to its investors [1]

Core Insights - Jiangyin Bank (002807) reported its Q3 2025 results, showing a revenue of 3.204 billion and a net profit attributable to shareholders of 1.278 billion, reflecting year-on-year growth of 6.17% and 13.38% respectively [1] - As of the end of September, the bank's total assets reached 208.042 billion, marking a 3.9% increase since the beginning of the year [1] - The non-performing loan ratio stood at 0.85%, a decrease of 0.01 percentage points from the start of the year [1]

Financial Performance - Total operating income for Q3 2025 was RMB 802,693,000, a decrease of 4.88% year-on-year[8] - Net profit attributable to shareholders for Q3 2025 was RMB 432,362,000, an increase of 7.52% year-on-year[8] - Investment income increased by 53.71% year-on-year to RMB 931,914 thousand, primarily due to higher bond investment returns[22] - Net profit for the period was CNY 1,257,893 thousand, up from CNY 1,126,067 thousand, reflecting an increase of about 11.7%[50] - Net interest income rose to CNY 2,140,353 thousand compared to CNY 2,114,529 thousand, marking a growth of 1.2%[50] - Total operating income increased to CNY 3,203,813 thousand from CNY 3,017,761 thousand, a rise of approximately 6.2%[50] - Basic earnings per share improved to CNY 0.5194 from CNY 0.4641, reflecting an increase of approximately 11.9%[50] Assets and Liabilities - The total assets as of September 30, 2025, were RMB 208.042 billion, an increase of 3.90% from the beginning of the year[8] - The bank's total liabilities reached CNY 188,650,893 thousand, up from CNY 181,373,359 thousand, indicating an increase of about 4.2%[47] - The total adjusted on-balance and off-balance sheet assets amounted to CNY 232,583,387 thousand as of September 30, 2025[34] - The total risk-weighted assets increased to CNY 13,893,214.18 thousand as of September 30, 2025, compared to CNY 12,029,690.82 thousand as of December 31, 2023, reflecting a growth of 15.5%[32] Deposits and Loans - Total deposits reached RMB 165.073 billion, an increase of RMB 13.247 billion or 8.73% from the beginning of the year[12] - Total loans amounted to RMB 131.957 billion, an increase of RMB 7.828 billion or 6.31% from the beginning of the year[12] - The total deposits reached RMB 165,073,479 thousand, an increase of 8.19% compared to the end of 2024[26] - The total loans amounted to RMB 131,957,134 thousand, reflecting a growth of 6.95% from the end of 2024[26] Risk and Capital Adequacy - The capital adequacy ratio stood at 14.92%, exceeding the regulatory requirement of 10.5%[27] - The non-performing loan ratio stood at 0.85%, a decrease of 0.01 percentage points from the beginning of the year[14] - The non-performing loan ratio was 0.85%, remaining well below the regulatory limit of 5%[27] - Core Tier 1 capital increased to CNY 1,912,729.55 thousand as of September 30, 2025, up from CNY 1,576,229.87 thousand as of December 31, 2023, representing a growth of 21.4%[32] - The total capital adequacy ratio decreased to 14.92% as of September 30, 2025, compared to 15.22% as of December 31, 2024[32] - The leverage ratio stood at 8.23% as of September 30, 2025, slightly down from 8.40% as of December 31, 2024[34] Cash Flow and Financing Activities - The net cash flow from operating activities was negative at RMB -3,410,713 thousand, a decline of 188.95% compared to the same period last year[24] - The operating cash outflow increased significantly by 505.22% to RMB 15,905,187 thousand, indicating a substantial rise in cash flow activities[24] - Cash inflow from investment activities was 34,583,148, down from 38,906,468, showing a decrease in investment returns[52] - Net cash flow from investment activities improved to 4,799,707 from -2,141,224, indicating a positive turnaround in investment performance[52] - Cash outflow from financing activities decreased to 495,322 from 4,184,125, indicating reduced financing costs[52] - The bank did not issue bonds this quarter, compared to 2,009,582 in the previous period, indicating a shift in financing strategy[52] Shareholder Information - The total number of common shareholders reached 45,583 as of the reporting period[41] - Jiangsu Jiangnan Water Co., Ltd. holds 5.76% of shares, making it the largest shareholder[41] Future Outlook - The bank aims to focus on rural revitalization, industrial cluster development, and wealth management in the future[15] Audit Status - The financial report for the third quarter was not audited, which may affect the reliability of the reported figures[53]