Financial Performance - Total operating income for the first half of 2025 reached CNY 2,604,997,986.45, an increase of 1.72% compared to CNY 2,561,047,286.57 in the same period of 2024[21] - Net profit for the first half of 2025 was CNY 1,002,078,359.97, reflecting a growth of 4.93% from CNY 954,985,086.95 in the first half of 2024[21] - The net profit attributable to shareholders of the listed company was CNY 994,624,167.35, up 5.11% from CNY 946,261,048.55 in the same period last year[21] - The net profit attributable to shareholders after deducting non-recurring gains and losses was CNY 994,617,949.29, an increase of 8.12% from CNY 919,907,650.08 in the same period last year[21] - Operating income for the first half of 2025 was RMB 2.605 billion, a year-on-year increase of 1.72%[51] - Net profit attributable to shareholders was RMB 999.8 million, reflecting a year-on-year growth of 5.11%[48] Assets and Liabilities - The total assets as of June 30, 2025, amounted to CNY 223,785,294,900.23, representing a 2.23% increase from CNY 218,908,026,873.13 at the end of 2024[21] - The total net assets attributable to shareholders of the listed company increased to CNY 20,021,351,029.30, a rise of 1.51% from CNY 19,723,048,516.99 at the end of 2024[21] - The bank's total liabilities rose by 2.30% to CNY 203,584,787,035.17 as of June 30, 2025, from CNY 199,013,275,713.00 at the end of 2024[88] - The bank's total equity increased by 1.54% to CNY 20,200,507,865.06 as of June 30, 2025, compared to CNY 19,894,751,160.13 at the end of 2024[97] Cash Flow - The net cash flow from operating activities for the first half of 2025 was CNY -5,362,888,012.25, a significant decrease compared to CNY -1,776,491,614.06 in the first half of 2024[21] - The net cash flow from investing activities increased by 395.67%, reaching 5,775,404,776.66 RMB in the first half of 2025, up from 1,165,160,721.64 RMB in the same period last year[99] Loans and Deposits - The total loans and advances amounted to 146.12 billion, reflecting a 6.41% increase from the previous period[31] - Personal loans increased by 1.80% to 43.84 billion, while corporate loans rose by 12.21% to 81.90 billion[31] - The total deposits reached 175.93 billion, marking a 5.58% growth compared to the last period[31] - The bank's customer deposits increased to RMB 179.93 billion as of June 30, 2025, compared to RMB 171.22 billion at the end of 2024, marking a growth of around 5.1%[197] Profitability Ratios - Basic earnings per share for the first half of 2025 were CNY 0.37, down 5.13% from CNY 0.39 in the same period of 2024[21] - The weighted average return on equity decreased to 4.98%, down 0.50 percentage points from 5.48% in the first half of 2024[21] - The net interest margin was recorded at 1.24%, reflecting the company's profitability in its lending activities[34] Risk Management - The bank has implemented a digital risk control platform to enhance risk identification and management capabilities, improving overall risk management efficiency[123] - Credit risk management has been strengthened, focusing on preemptive controls and monitoring potential risks associated with loans and investments[125] - The bank's interest rate risk management focuses on aligning the maturity and interest rate structures of assets and liabilities, with regular stress testing conducted to simulate interest rate changes[127] Strategic Initiatives - The bank's strategy emphasizes support for agriculture and small enterprises, aligning with its risk management framework to ensure sustainable growth[123] - The bank is actively pursuing market expansion and enhancing its service offerings through strategic partnerships and technological advancements[123] - The bank has established a partnership with the Zhangjiagang New Citizen Affairs Center to enhance services for new citizens, creating three "New Citizen Homes" and three "New Citizen Micro Homes"[144] Social Responsibility - The company has provided monthly living subsidies to centenarians in Zhangjiagang City for 18 consecutive years, showcasing its commitment to social responsibility[146] - The company has sponsored the "Thousand Excellent Movies into Communities" initiative for 15 years, enhancing the cultural life of residents[146] Shareholder Information - The company plans to distribute a cash dividend of CNY 1.0 per 10 shares (including tax) to all shareholders[4] - The total number of ordinary shareholders at the end of the reporting period was 50,549[187]

证券之星消息，8月26日农商行板块较上一交易日下跌0.93%，无锡银行领跌。当日上证指数报收于 3868.38，下跌0.39%。深证成指报收于12473.17，上涨0.26%。农商行板块个股涨跌见下表： | 代码 | 名称 | 收盘价 | 涨跌幅 | 成交量(手) | 成交额(元) | | | --- | --- | --- | --- | --- | --- | --- | | 601128 | 常熟银行 | 7.67 | -0.13% | 37.49万 | | 2.88 Z | | 601860 | 紫金银行 | 66'Z | -0.66% | 42.99万 | | 1.29亿 | | 601077 | 渝农商行 | 6.44 | -0.77% | 1 48.69万 | | 3.14亿 | | 002839 | 张家港行 | 4.52 | -0.88% | 33.41万 | | 1.51亿 | | 603323 | 苏农银行 | 5.40 | -1.10% | 27.60万 | | 1.49 Z | | 601825 | 沪农商行 | 8.76 | -1.13% | 23.72万 | | 2.08亿 | ...

证券之星消息，8月25日农商行板块较上一交易日上涨0.67%，瑞丰银行领涨。当日上证指数报收于 3883.56，上涨1.51%。深证成指报收于12441.07，上涨2.26%。农商行板块个股涨跌见下表： | 代码 | 名称 | 收盘价 | 涨跌幅 | 成交量(手) | 成交额(元) | | --- | --- | --- | --- | --- | --- | | 601528 | 瑞丰银行 | 5.85 | 1.92% | 25.55万 | 1.48亿 | | 601128 | 常熟银行 | 7.68 | 1.05% | 48.12万 | 3.68亿 | | 601860 | 紫金银行 | 3.01 | 1.01% | 75.52万 | 2.27亿 | | 002807 | 江阴银行 | 5.00 | 0.81% | 42.64万 | 2.12亿 | | 601825 | 沪农商行 | 8.86 | 0.68% | 27.57万 | 2.43亿 | | 002839 | 张家港行 | 4.56 | 0.66% | 46.59万 | 2.12亿 | | 002958 | 青农商行 | 3.54 | 0.57% ...

以上内容为证券之星据公开信息整理，由AI算法生成（网信算备310104345710301240019号），不构成投资建议。 证券之星消息，8月22日农商行板块较上一交易日下跌1.03%，渝农商行领跌。当日上证指数报收于 3825.76，上涨1.45%。深证成指报收于12166.06，上涨2.07%。农商行板块个股涨跌见下表： 从资金流向上来看，当日农商行板块主力资金净流出3298.64万元，游资资金净流出542.42万元，散户资 金净流入3841.06万元。农商行板块个股资金流向见下表： | 代码 | 名称 | 主力净流入(元) | 主力净占比 游资净流入 (元) | | 游资净占比 散户净流入(元) | | 散户净占比 | | --- | --- | --- | --- | --- | --- | --- | --- | | 603323 苏农银行 | | 1802.11万 | 7.63% | -59.33万 | -0.25% | -1742.78万 | -7.38% | | 601528 瑞丰银行 | | 1522.66万 | 12.02% | -952.96万 | -7.52% | -569.70万 | ...

| 代码 | 名称 | 收盘价 | 涨跌幅 | 成交量(手) | 成交额(元) | | | --- | --- | --- | --- | --- | --- | --- | | 002958 | 青农商行 | 3.54 | 1.43% | 58.57万 | | 2.06亿 | | 601825 | 沪农商行 | 8.88 | 1.25% | 31.01万 | | 2.74亿 | | 601528 | 瑞丰银行 | 5.74 | 1.23% | 23.58万 | | 1.34亿 | | 002807 | 江阴银行 | 5.03 | 1.00% | 50.16万 | | 2.51亿 | | 600908 | 元锡银行 | 6.23 | 0.81% | 18.42万 | | 1.14亿 | | 603323 | 苏农银行 | 5.51 | 0.73% | 36.21万 | | 2666T | | 601860 | 紫金银行 | 3.00 | 0.67% | 75.88万 | | 2.27亿 | | 002839 | 张家港行 | 4.56 | 0.66% | 38.68万 | | 1.76亿 | | 601128 ...

Core Viewpoint - Zhangjiagang Rural Commercial Bank has achieved a significant milestone in its corporate wealth management business, with the balance of corporate financial products exceeding 5 billion yuan, marking a year-to-date growth of 1.236 billion yuan, or 33% [1] Group 1: Financial Performance - As of the end of July, the bank's corporate financial product balance reached 5.013 billion yuan, reflecting a substantial increase from the beginning of the year [1] - The bank's wealth management business faced challenges due to fluctuating bond yields and declining asset returns, leading to a bottleneck in growth [1] Group 2: Strategic Adjustments - The asset management department has proactively adjusted its strategies by introducing high-quality financial products and linking department personnel to institutional supervision to enhance product competitiveness and service support [1] - Regular assessments of corporate clients' financial needs are conducted, and collaborative marketing efforts are made with branch institutions to target new and key clients [1] Group 3: Marketing Success - In July, the asset management department collaborated with several institutions, successfully executing multiple corporate financial transactions, including 540 million yuan in self-managed financial products and 280 million yuan in agency-sold financial products, resulting in a net increase of over 600 million yuan in corporate financial product balance for the month [1] Group 4: Future Outlook - Zhangjiagang Rural Commercial Bank aims to optimize its wealth management strategies and develop its corporate wealth business through various measures, striving to provide comprehensive wealth enhancement solutions throughout the client lifecycle and to become a leading sustainable investment benchmark in the region [1]

证券之星消息，8月20日农商行板块较上一交易日上涨0.83%，江阴银行领涨。当日上证指数报收于 3766.21，上涨1.04%。深证成指报收于11926.74，上涨0.89%。农商行板块个股涨跌见下表： | 代码 | 名称 | 收盘价 | 涨跌幅 | 成交量(手) | 成交额(元) | | --- | --- | --- | --- | --- | --- | | 002807 | 江阴银行 | 4.98 | 1.84% | 72.15万 | 3.59 Z | | 601528 | 瑞丰银行 | 5.67 | 1.43% | 15.64万 | 8807.64万 | | 601077 | 渝农商行 | 6.57 | 1.23% | 89.05万 | 5.85 Z | | 601128 | 常熟银行 | 7.66 | 1.19% | 50.67万 | 3.86亿 | | 002958 | 青农商行 | 3.49 | 1.16% | 51.53万 | 1.80亿 | | 600908 | 无锡银行 | 6.18 | 0.98% | 17.13万 | 1.06亿 | | 603323 | 苏农银行 | 5.47 | ...

Market Overview - The rural commercial bank sector experienced a decline of 0.53% on August 19, with Jiangyin Bank leading the drop [1] - The Shanghai Composite Index closed at 3727.29, down 0.02%, while the Shenzhen Component Index closed at 11821.63, down 0.12% [1] Individual Stock Performance - The closing prices and percentage changes for key rural commercial banks are as follows: - Changshu Bank: 7.57, -0.26% - Qingnong Bank: 3.45, -0.29% - Yunnan Bank: 6.49, -0.31% - Zijin Bank: 2.96, -0.67% - Ruifeng Bank: 5.59, -0.71% - Zhangjiagang Bank: 4.49, -0.88% - Hunan Bank: 8.76, -0.90% - Sunong Bank: 5.42, -1.28% - Wuxi Bank: 6.12, -1.45% - Jiangyin Bank: 4.89, -1.81% [1] Capital Flow Analysis - The rural commercial bank sector saw a net inflow of 2.49 million yuan from institutional investors, while retail investors contributed a net inflow of 11.21 million yuan [1] - However, speculative funds experienced a net outflow of 13.70 million yuan [1] Detailed Capital Flow for Selected Banks - Zhangjiagang Bank: - Institutional net inflow: 24.25 million yuan (12.30%) - Speculative net outflow: -6.79 million yuan (-3.44%) - Retail net outflow: -17.46 million yuan (-8.85%) [2] - Sunong Bank: - Institutional net inflow: 17.97 million yuan (10.78%) - Speculative net outflow: -1.92 million yuan (-1.15%) - Retail net outflow: -16.06 million yuan (-9.63%) [2] - Zijin Bank: - Institutional net inflow: 10.84 million yuan (7.44%) - Speculative net outflow: -4.86 million yuan (-3.34%) - Retail net outflow: -5.97 million yuan (-4.10%) [2] - Jiangyin Bank: - Institutional net outflow: -25.15 million yuan (-5.93%) - Speculative net inflow: 16.48 million yuan (3.89%) - Retail net inflow: 8.67 million yuan (2.04%) [2]

证券之星消息，8月18日农商行板块较上一交易日上涨0.62%，江阴银行领涨。当日上证指数报收于 3728.03，上涨0.85%。深证成指报收于11835.57，上涨1.73%。农商行板块个股涨跌见下表： | 代码 | 名称 | 主力净流入(元) | 主力净占比 游资净流入(元) | | 游资净占比 散户净流入(元) | | 散户净占比 | | --- | --- | --- | --- | --- | --- | --- | --- | | 601077 | 渝农商行 | 4247.34万 | 7.99% | -2594.41万 | -4.88% | -1652.93万 | -3.11% | | 601825 沪农商行 | | 3636.71万 | 13.84% | -165.11万 | -0.63% | -3471.60万 | -13.21% | | 601528 瑞丰银行 | | 2366.85万 | 15.58% | -392.78万 | -2.59% | -1974.07万 | -13.00% | | 601860 | 紫金银行 | 2219.46万 | 7.82% | -294.21万 | -1.0 ...

每经AI快讯，8月18日，银行股早盘展开反弹，江阴银行涨超7%，苏农银行、张家港行涨超5%，无锡 银行、青农商行、紫金银行、西安银行、光大银行等跟涨。 （文章来源：每日经济新闻） ...