证券代码：002839 证券简称：张家港行 江苏张家港农村商业银行股份有限公司投资者关系活动记录表 编号:2024-01 √特定对象调研 □分析师会议 □媒体采访 □业绩说明会 投资者关系活动 □新闻发布会 □路演活动 类别 □现场参观 □其他 （请文字说明其他活动内容） 参与单位名称及 千禧资本 毛宇博 人员姓名 时间 2024 年5月22日上午9：00-10：00 地点 张家港行总行1703会议室 上市公司接待人 董事会办公室负责人、证券事务代表 陶鹰女士 员姓名 以及相关工作人员 主要就张家港行近期相关经营情况进行了交流，以下为 投资者问询及简要回复情况记录： Q：请问贵行2024年信贷投放的思路是什么？ A：2024年，我行对公信贷投放更多关注于区域内产业转 ...

北京 上海 深圳 杭州 广州 昆明 天津 成都 宁波 福州 西安 南京 南宁 济南 香港 巴黎 马德里 硅谷 BEIJING SHANGHAI SHENZHEN HANGZHOU GUANGZHOU KUNMING TIANJIN CHENGDU NINGBO FUZHOU XI'AN NANJING NANNING JINAN HONG KONG PARIS MADRID SILICON VALLEY 中国上海市北京西路 968 号嘉地中心 23-25 层 邮编：200041 23-25/F, Garden Square, 968 West Beijing Road, Shanghai 200041, China 电话/Tel: +86 21 52341668 传真/Fax: +86 21 52341670 网址/Website:http://www.grandall.com.cn 国浩律师（上海）事务所 关于江苏张家港农村商业银行股份有限公司 2023 年度股东大会 法律意见书 致：江苏张家港农村商业银行股份有限公司 根据《中华人民共和国公司法》（以下简称"《公司法》"）、《中华人民共和国证 券法》（以下 ...

| 证券代码：002839 | 证券简称：张家港行 | 公告编号：2024-016 | | --- | --- | --- | | 转债代码：128048 | 转债简称：张行转债 | | 江苏张家港农村商业银行股份有限公司 2023 年度股东大会决议公告 午 9:15—9:25、9:30—11:30，下午 13：00—15:00； 通过互联网投票系统（http://wltp.cninfo.com.cn）投票的时间为 2024 年 5 月 22 日上午 9:15 至 2024 年 5 月 22 日下午 15:00 期间的任意时间。 本公司及董事会全体成员保证公告内容的真实、准确和完整，没有虚假记录、误导性陈 述或重大遗漏。 重要提示： 1、本次股东大会未出现否决提案的情形。 2、本次股东大会未涉及变更以往股东大会已通过的决议。 一、会议召开和出席情况 （一）召开时间 1、现场会议召开时间：2024 年 5 月 22 日（星期三）下午 2:00 2、网络投票时间：2024 年 5 月 22 日 通过深圳证券交易所交易系统进行网络投票的时间为 2024 年 5 月 22 日上 （二）会议地点：张家港市杨舍镇人民中路 ...

| 证券代码：002839 | 证券简称：张家港行 | 公告编号：2024-015 | | --- | --- | --- | | 转债代码：128048 | 转债简称：张行转债 | | 关于举行 2023 年年度报告说明会的公告 本公司及董事会全体成员保证公告内容真实、准确和完整，没有虚假记载、误导性陈 述或者重大遗漏。 为使广大投资者能够进一步了解公司 2023 年度的经营情况，公司定于 2024 年 5 月 16 日（星期四）上午 10:00-11:00 在全景网举办 2023 年年度报告 说明会（以下简称"说明会"），本次说明会将采用网络远程方式，投资者可以登 陆"全景路演"（http://rs.p5w.net）参与本次说明会。 出席本次说明会的人员有：董事、行长吴开先生，副行长兼主管会计工作 负责人朱宇峰先生，董事、董事会秘书戚飞燕女士，独立董事吴敏艳女士（如 遇特殊情况，参会人员可能进行调整）。 为充分尊重投资者，提升交流的针对性，现就本次说明会提前向投资者公 开征集问题，广泛听取投资者的意见和建议。投资者可于 2024 年 5 月 13 日 （星期一）17:00 前访问 https://ir.p ...

Financial Performance - Net profit attributable to shareholders rose by 7.08% to RMB 544.85 million year-on-year[6] - Operating income grew by 7.59% to RMB 1.28 billion compared to the same period last year[6] - Investment income surged by 201.66% to RMB 308.89 million year-on-year, driven by increased trading profits from bond sales[13] - The company's diluted earnings per share increased by 5.00% to RMB 0.21 compared to the same period last year[7] - The total profit for the current period was ¥618,646,108.44, up 8.3% from ¥571,301,925.16 in the previous period[35] - Net profit attributable to the parent company was ¥544,849,690.84, an increase of 7.1% compared to ¥508,825,194.60[36] Asset and Liability Management - Total assets increased by 4.51% to RMB 216.46 billion compared to the end of the previous year[6] - Total liabilities increased by 4.63% to approximately RMB 198.71 billion as of March 31, 2024, from RMB 189.92 billion at the end of 2023[20] - Customer loans and advances increased by 5.25% to approximately RMB 133.77 billion as of March 31, 2024, from RMB 127.10 billion at the end of 2023[20] - Deposits amounted to RMB 168.65 billion, growing by RMB 12.09 billion or 7.73% year-to-date[27] Cash Flow Analysis - Net cash flow from operating activities decreased by 48.99% to RMB 1.74 billion[6] - The net cash flow from operating activities was ¥1,739,892,974.19, down 48.9% from ¥3,410,709,114.98[39] - The net cash flow from investing activities was ¥1,992,965,146.82, a turnaround from a negative cash flow of ¥2,650,968,680.27 in the previous period[39] - The net cash flow from financing activities was negative at -¥4,819,724,163.84, compared to -¥1,306,228,093.85 previously[39] Risk and Capital Adequacy - The non-performing loan ratio is 0.93% as of March 31, 2024, slightly improved from 0.94% on December 31, 2023, and 0.89% on December 31, 2022[14] - The coverage ratio for provisions is 413.11% as of March 31, 2024, down from 424.23% on December 31, 2023, and significantly higher than the regulatory requirement of 150%[14] - The bank's leverage ratio is 6.32% as of March 31, 2024, slightly down from 6.33% on December 31, 2023[19] - The bank's core tier one capital adequacy ratio is 9.37% as of March 31, 2024, compared to 9.76% on December 31, 2023[16] Other Income and Expenses - The company reported a 64.28% decline in net commission income, primarily due to reduced agency service fees[13] - Other income from government subsidies rose by 65.89% to RMB 12.53 million, reflecting increased support[13] - The bank's cash and deposits with central banks amounted to RMB 8.99 billion, down from RMB 10.14 billion at the end of the previous quarter[32] - Net interest income decreased to ¥907,866,756.62 from ¥991,001,510.99, reflecting a decline of 8.4%[35] - The total comprehensive income for the current period was ¥542,938,628.93, down from ¥621,556,746.33[36]

Financial Performance - The company's operating income for 2023 was approximately ¥4.54 billion, a decrease of 5.93% compared to ¥4.83 billion in 2022[181]. - Net profit attributable to shareholders for 2023 was approximately ¥1.79 billion, an increase of 6.24% from ¥1.68 billion in 2022[181]. - The net profit after deducting non-recurring gains and losses was approximately ¥1.73 billion, reflecting a 12.00% increase from ¥1.54 billion in 2022[181]. - The net cash flow from operating activities decreased significantly by 76.48%, totaling approximately ¥1.80 billion compared to ¥7.63 billion in 2022[181]. - Total assets at the end of 2023 reached approximately ¥207.13 billion, marking a 10.45% increase from ¥187.53 billion at the end of 2022[181]. - Customer loans and advances amounted to approximately ¥127.10 billion, up from ¥115.03 billion in 2022, indicating a growth in lending activities[189]. - The bank's total liabilities increased to approximately ¥189.92 billion, compared to ¥171.81 billion in 2022, reflecting a growth in financial obligations[189]. - The weighted average return on equity for 2023 was 11.65%, a decrease of 0.56 percentage points from 12.21% in 2022[181]. - The basic earnings per share for 2023 was ¥0.78, an increase of 6.85% from ¥0.73 in 2022[181]. - The bank's total equity attributable to shareholders increased by 9.48% to approximately ¥17.04 billion from ¥15.56 billion in 2022[181]. Capital and Risk Management - The capital adequacy ratio for 2023 stands at 13.04%, above the regulatory standard of ≥ 10.5%[192]. - The non-performing loan ratio is 0.94%, well below the threshold of ≤ 5%[192]. - The loan provision coverage ratio is 424.23%, significantly exceeding the requirement of ≥ 150%[192]. - The cost-to-income ratio improved to 36.9%, below the target of ≤ 45%[192]. - The net interest margin decreased to 1.99% compared to 2.43% in 2021[192]. - The liquidity ratio is at 81.83%, well above the minimum requirement of ≥ 25%[192]. - The single largest customer loan ratio is 4.45%, under the limit of ≤ 15%[192]. - The average total assets return rate is 0.91% for the reporting period[192]. - The core tier 1 capital adequacy ratio is 9.76%, exceeding the regulatory minimum of ≥ 7.5%[192]. - The migration rate for substandard loans is 37.41%, showing an increase from previous years[192]. Governance and Compliance - The bank's governance structure complies with the requirements of the Company Law and relevant regulations, with no significant discrepancies noted[13]. - The bank's strategic development committee is chaired by the chairman, ensuring oversight of strategic initiatives[16]. - The company has consistently adhered to relevant laws and regulations during board meetings, with all proposals being unanimously approved after thorough discussions[51]. - The company has established specialized committees under the board, which have been diligent in their responsibilities and have passed all proposals during the reporting period[49]. - The company has reported on its compliance efforts, including a compliance report for the first half of 2023, which was approved by the Financial Ethics and Compliance Committee[51]. - The independent directors have made a total of 12 objective and impartial independent opinions to safeguard the overall interests of the company, particularly focusing on the protection of minority shareholders' rights[48]. Strategic Development - The bank plans to focus on "risk control, structural adjustment, broadening sources, strengthening norms, and improving capabilities" as part of its new three-year development plan from 2024 to 2026[8]. - The company has actively participated in the formulation of the "2024-2026 New Three-Year Development Plan," providing forward-looking guidance and suggestions to support high-quality business development[48]. - The company has a strategic development committee that has met multiple times to evaluate strategic execution and technology investment plans[102]. Employee and Compensation - The total number of employees in the main subsidiaries is 2,557, with 2,051 holding bachelor's degrees and 218 holding graduate degrees or higher[80]. - The company employs a broadband salary system that reflects differences in position, capability, and performance, with distinct compensation strategies for functional and business positions[82]. - The company has established a salary level based on job value assessment and external market salary levels, ensuring competitive compensation[82]. - The company has a structured approach to salary determination for executives and board members, based on performance assessments and internal regulations[70]. - The company has implemented a performance bonus system for business positions, aligning incentives with organizational goals[82]. - The board has actively engaged in discussions and passed resolutions regarding executive compensation and operational targets for the upcoming year[78]. Community Engagement and Social Responsibility - The company donated a total of CNY 3.09 million during the reporting period, contributing to local community projects and recognized as a "Most Charitable Donation Enterprise"[116]. - The company achieved a tax revenue of CNY 694 million, representing a year-on-year growth of 7.81%[116]. - The company has focused on financial support for the photovoltaic industry development under the "dual carbon" goals, as reported by the Agricultural and Green Finance Committee[51]. - The company has established 66 rural inclusive financial service points to enhance financial services for rural areas, providing basic financial services and social security services[95]. - The company is actively developing exclusive financial products like "Micro Easy Loan" to support agricultural entities, utilizing a risk-sharing mechanism with banks and guarantee institutions[95]. - The company has collaborated with the People's Bank of Zhangjiagang to develop online platforms "Code on Demand" and "Loan on Demand" to promote agricultural support policies[95]. Profit Distribution - The bank's profit distribution plan included a bonus of 0.4 shares for every 10 shares held, increasing the registered capital by 3.6 million RMB to a total of 90.36 million RMB[1]. - The company's profit distribution plan for 2023 includes a cash dividend of 2.0 yuan per 10 shares, accounting for 10% of the net profit, with a total of 177.05 million yuan allocated for statutory surplus reserves and 354.09 million yuan for general risk reserves[85]. - The company has committed to a minimum cash dividend ratio of 20% during profit distribution, reflecting its growth stage and significant capital expenditure plans[85].

| 证券代码：002839 | 证券简称：张家港行 | 公告编号：2024-006 | | --- | --- | --- | | 转债代码：128048 | 转债简称：张行转债 | | 江苏张家港农村商业银行股份有限公司 关于 2024 年第一季度可转债转股结果暨股份变动公告 本公司及董事会全体成员保证公告内容的真实、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 2024 年 3 月 31 日，累计已有人民币 2,966,600 元张 行转债转为公司 A 股普通股，累计转股股数为 515,904 股，占张行转债转股前公 司已发行普通股股份总额的 0.0285%。 根据相关法律、法规和《江苏张家港农村商业银行股份有限公司公开发行可 转换公司债券募集说明书》的有关规定，公司本次发行的可转债自 2019 年 5 月 16 日起可转换为公司股份。 2019 年 6 月 4 日，公司披露了《关于根据 2018 年度利润分配方案调整 A 股 可转换公司债券转股价格的公告》（公告编号：2019-026）。因公司实施 2018 年 度权益分派，向全体股东每 10 股派 1.5 元（含 ...

| 证券代码：002839 | 证券简称：张家港行 | 公告编号：2024-005 | | --- | --- | --- | | 转债代码：128048 | 转债简称：张行转债 | | 江苏张家港农村商业银行股份有限公司 关于关联方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：关联方存贷款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 （一）日常关联交易概述 江苏张家港农村商业银行股份有限公司（以下简称"本行"）日常关联交易 是指本行与关联方之间发生的转移资源或义务的事项，主要是本行在日常经营管 理过程中与关联法人和关联自然人发生的贷款、承兑、贴现等常规业务。 2024 年 3 月 28 日，本行第八届董事会第四次会议审议通过了《关于关联方 日常关联交易预计额度的议案》，关联董事季忠明已回避表决。本行第八届董事 会独立董事第一次专门会议审议通过了前述关联交易议案，全体独立董事同意此 议案。本次关联交易预计额度未达到股 ...

| 证券代码：002839 | 证券简称：张家港行 | 公告编号：2024-003 | | --- | --- | --- | | 转债代码：128048 | 转债简称：张行转债 | | 江苏张家港农村商业银行股份有限公司 第八届董事会第四次会议决议公告 本公司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 导性陈述或者重大遗漏。 江苏张家港农村商业银行股份有限公司（以下简称"公司"）于 2024 年 3 月 18 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四次会 议的通知，会议于 2024 年 3 月 28 日在连云港召开，以现场会议表决方式进行表 决。公司应参会董事 11 名，实际参会董事 11 名。会议由董事长孙伟先生主持， 监事和高级管理人员列席，本次会议的召集、召开符合《公司法》《深圳证券交 易所股票上市规则》和《公司章程》的规定，会议合法有效。会议经逐项表决， 通过以下议案： 一、审议通过了《2024 年董事会各专门委员会工作计划》； 表决结果：同意 11 票，反对 0 票，弃权 0 票。 二、审议通过了《2024 年董事会及各专门委员会培训及调研计划》； 表 ...

证券代码：002839 证券简称：张家港行 公告编号：2024-004 转债代码：128048 转债简称：张行转债 江苏张家港农村商业银行股份有限公司 第八届监事会第四次会议决议公告 本公司及监事会全体成员保证公告内容的真实、准确和完整，没有虚假记载、误导性陈 述或者重大遗漏。 江苏张家港农村商业银行股份有限公司（以下简称"公司"）于 2024 年 3 月 18 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四次会 议的通知，会议于 2024 年 3 月 28 日在连云港召开，以现场会议表决方式进行表 决。公司应参会监事 5 名，实际参会监事 5 名。会议由监事长丁娅女士主持，本 次会议的召集、召开符合《公司法》《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》和《公司章程》的规定，会议合法有效。会议经 逐项表决，通过以下议案： 一、审议通过了《监事会 2024 年度工作计划》； 表决结果：同意 5 票，反对 0 票，弃权 0 票。 二、审议通过了《2024 年监事会监督委员会工作计划》； 表决结果：同意 5 票，反对 0 票，弃权 0 票。 三、审议通过了《2024 年监事会 ...