Market Overview - On September 18, the rural commercial bank sector declined by 1.73%, with Changshu Bank leading the drop [1] - The Shanghai Composite Index closed at 3831.66, down 1.15%, while the Shenzhen Component Index closed at 13075.66, down 1.06% [1] Individual Stock Performance - The closing prices and percentage changes for key rural commercial banks are as follows: - Hu Nong Commercial Bank: 8.41, -0.94% - Yu Nong Commercial Bank: 6.35, -1.55% - Wuxi Bank: 5.84, -1.68% - Ruifeng Bank: 5.34, -1.84% - Zijin Bank: 2.90, -2.03% - Su Nong Bank: 5.11, -2.11% - Zhangjiagang Bank: 4.35, -2.25% - Qing Nong Commercial Bank: 3.17, -2.46% - Jiangyin Bank: 4.58, -2.97% - Changshu Bank: 7.02, -3.17% [1] Capital Flow Analysis - The rural commercial bank sector experienced a net outflow of 58.22 million yuan from main funds, while retail investors saw a net inflow of 59.78 million yuan [1] - The capital flow for individual banks shows: - Yu Nong Commercial Bank: Main funds net inflow of 36.53 million yuan, retail net outflow of 9.74 million yuan - Wuxi Bank: Main funds net inflow of 21.54 million yuan, retail net outflow of 16.86 million yuan - Zhangjiagang Bank: Main funds net inflow of 4.67 million yuan, retail net outflow of 13.05 million yuan - Changshu Bank: Main funds net outflow of 62.08 million yuan, retail net inflow of 74.20 million yuan [2]

Market Overview - On September 18, the major indices in the A-share market experienced a decline, with the ChiNext Index falling by 1.64%, the Shanghai Composite Index down by 1.15%, and the Shenzhen Component Index decreasing by 1.06% [1] - The total trading volume for the day was 3.17 trillion yuan, compared to 2.4 trillion yuan the previous day [1] Stock Performance - The FTSE China A50 Index futures saw a decline of 1.44%, with over 4,300 stocks in the market experiencing a drop [3] - The banking sector faced a significant downturn, with major banks like Agricultural Bank of China and China Construction Bank dropping over 2% and 1% respectively [5] - Conversely, the robotics sector showed strong performance, with stocks like Shoukai Co. hitting the daily limit for 12 consecutive days [3] Banking Sector Insights - The banking sector has seen a continuous decline, with the AH Index and the China Securities Banking Index both dropping over 13% since July 11 [6] - As of September 17, the dividend yield for the banking AH Index rose to 4.6%, indicating a potential opportunity for investors [8][16] - Several banks have reported shareholder increases, with notable actions from major shareholders like Everbright Group and Zijin Trust [10][11] Dividend Distribution - By September 17, 17 listed banks announced a total dividend of 237.54 billion yuan for the mid-year of 2025, with Industrial and Commercial Bank of China leading with a dividend of 50.396 billion yuan [14][15] - The trend of increasing dividends reflects confidence in the banks' future development and long-term investment value [11] Institutional Investment Trends - Insurance funds have increased their holdings in the banking sector, reaching a position of 28.24% as of the second quarter of 2025, while social security funds also raised their holdings to 51.71% [13] - The banking sector's low valuation and stable dividends continue to attract institutional investors, particularly those seeking steady returns [13][17]

Group 1 - Zhangjiagang Bank announced that it will accept research from CITIC Securities on September 15, 2025, with participation from the head of the board office, Tao Ying, who will address investor questions [1] - For the first half of 2025, Zhangjiagang Bank's revenue composition shows that interest income accounts for 75.14%, while non-interest income accounts for 2.73% [1] Group 2 - As of the report, Zhangjiagang Bank has a market capitalization of 10.9 billion yuan [2]

Group 1: Asset and Liability Management - The bank focuses on risk control, structural adjustment, promoting lending, and reducing interest expenses in its asset and liability management strategy [2] - The bank aims to maintain a stable operation by serving agriculture, small enterprises, and the urban-rural population [2] - The bank is optimizing its credit asset structure to increase the proportion of loans to the real economy [2] Group 2: Financial Performance Metrics - As of June 30, 2025, the total asset size reached CNY 223.785 billion, an increase of CNY 4.877 billion, or 2.23% from the beginning of the year [3] - The total loan balance was CNY 146.122 billion, up CNY 8.806 billion, representing a growth of 6.41% [3] - The total deposit balance stood at CNY 175.931 billion, increasing by CNY 9.3 billion, which is a growth of 5.58% [3]

Market Overview - The rural commercial bank sector experienced a slight decline of 0.09% on September 16, with Changshu Bank leading the drop [1] - The Shanghai Composite Index closed at 3861.87, up 0.04%, while the Shenzhen Component Index closed at 13063.97, up 0.45% [1] Individual Stock Performance - Zijin Bank (601860) closed at 2.96, up 1.37% with a trading volume of 667,700 shares and a turnover of 197 million yuan [1] - Chongqing Rural Commercial Bank (601077) closed at 6.40, up 0.47% with a trading volume of 1,039,100 shares and a turnover of 664 million yuan [1] - Zhangjiagang Bank (002839) closed at 4.45, up 0.45% with a trading volume of 226,300 shares and a turnover of 101 million yuan [1] - Su Nong Bank (603323) closed at 5.22, up 0.19% with a trading volume of 209,100 shares and a turnover of 109 million yuan [1] - Changshu Bank (601128) closed at 7.39, down 1.73% with a trading volume of 450,000 shares and a turnover of 335 million yuan [1] Capital Flow Analysis - The rural commercial bank sector saw a net inflow of 5.63 million yuan from institutional investors, while retail investors experienced a net outflow of 0.70 million yuan [1] - Major capital flows for Chongqing Rural Commercial Bank showed a net inflow of 73.19 million yuan from institutional investors, but a net outflow of 32.84 million yuan from retail investors [2] - Qingnong Bank (002958) had a net inflow of 8.92 million yuan from retail investors despite a net outflow of 8.54 million yuan from institutional investors [2]

张家齐、郭伟两位老师分别就金融"五篇大文章"的核心要义、政策体系、监管统计信息要点及信贷系统 实操进行了系统性讲解。培训内容紧密围绕一线工作实际，涵盖了数据标准解读、数据质量排查、数据 安全规范、数据价值挖掘等多个关键领域，并针对支行在日常业务中遇到的数据痛点、难点问题进行了 逐一解答和指导。 此次培训不仅为江阴支行数据治理提升工作指明了方向，也进一步增强了总行与支行之间的联动与协 同，为全行深化数据驱动战略、推动数字化转型落地进一步夯实了基础。何丽霞 数字银行部副总经理徐惠作总结发言。她指出，客户经理提供的各项数据是各项业务统计的核心生产要 素，高质量的数据是支行实现精细化管理和业务创新突破的基石，要牢固树立"数据意识"，严格遵守数 据规范，共同筑牢支行的数据防线，让数据真正成为驱动支行发展的强大引擎。 为深入贯彻落实全行数字化转型战略，全面提升数据质量与管理水平，赋能一线业务高质量发展，9月9 日，张家港农商银行江阴支行特邀总行数字银行部资深老师，举办了一场以"数据治理提升与应用"为主 题的专题培训。江阴支行全体客户经理、综合管理员参加了本次培训。 ...

Core Viewpoint - The rural commercial bank sector experienced a decline of 1.26% on September 15, with Yunnan Rural Commercial Bank leading the drop. The Shanghai Composite Index closed at 3860.5, down 0.26%, while the Shenzhen Component Index rose by 0.63% to 13005.77 [1]. Group 1: Market Performance - The closing prices and changes for various rural commercial banks showed negative trends, with Yunnan Rural Commercial Bank down 1.70% to 6.37, and Jiangyin Bank down 1.65% to 4.77 [1]. - The trading volume for the rural commercial bank sector was significant, with total transaction amounts reaching hundreds of millions, such as Zhangjiagang Bank at 1.27 billion and Jiangyin Bank at 1.71 billion [1]. Group 2: Capital Flow - The rural commercial bank sector saw a net inflow of 75.45 million from main funds, while retail investors experienced a net outflow of 71.17 million [1]. - Specific banks like Yunnan Rural Commercial Bank had a main fund net inflow of 57.00 million, but retail investors withdrew 16.05 million [2].

该行充分发挥网点布局优势，打造"医保便民服务站"，让市民就近办理高频医保业务。线下服务站严格 遵循统一标准，设立专属医保业务服务区，配备专业经办人员，提供异地就医备案、医保关系转移、费 用报销等11项医保经办服务，提供医保目录、定点机构查询等便民功能，覆盖社保医保高频事项。 作为本土法人银行，张家港农商银行始终将服务民生作为首要责任，依托科技金融优势，积极参与本地 医疗服务场景建设。先后参与市第一人民医院、市中医医院、澳洋医院互联网医院建设，推动本地线上 就医渠道的完善，助力缓解挂号、就医排队时间长等问题，提升医疗服务的便利性和可及性。 卢宁 如何做好药品监管？客户购药支付体验如何改善？如何提升医保服务获得的便利性……针对政府主管部 门以及老百姓关切的焦点问题，张家港农商银行聚焦普惠金融，与市医保局联合打造药店"ERP"系统， 结合医保便民服务站的落地，进一步延伸医保服务触角，提升市民医疗服务可及性及满意度，真正做到 让群众少跑腿。 药店"ERP"系统覆盖全市定点医疗机构800余家药店，建设包括采购管理、医保脱卡支付等100余项功 能。随着系统的成功上线，医保监管能力得到提升，医保服务渠道也进一步拓展。该系统 ...

在劝阻过程中柜面工作人员委婉提示老人，近期保健品诈骗频发，不法分子常以"免费讲座""专家义 诊"为幌子诱导老人高价购买无效产品。老人却坚持称"销售店为自己一直购买牛奶的店铺，和老板认识 很多年了，不会骗人"。见老人固执己见，工作人员以"需子女知情同意"为由，主动协助老人拨通子女 电话。子女当场表示："这绝对是诈骗！我们劝过多次，父亲都不听，多亏银行人员坚持！"劝阻成功 后，工作人员还向老人发放《老年人防骗指南》，并讲解常见诈骗手法。老人深受感动，称赞银行服务 贴心，既让他保住了存款，又增强了防骗能力。 江南时报讯 近日，张家港农商银行崇川支行成功拦截一笔涉保健品诈骗资金。当日，一名七旬老人至 崇川支行办理取款业务，要提前支取一笔4万元的存单，且该笔存单是十天前刚开立的。柜面工作人员 汤小秀按例询问取款用途时，老人眼神闪躲，仅称"要购买灵芝孢子粉等保健品"，见此情况，汤小秀立 即上报主管。随后，凭借日常反诈经验，柜面工作人员敏锐察觉这可能是一起针对老年群体的保健品诈 骗，立即展开劝阻。 (周萌 季贵钰) ...

Core Insights - As of the end of Q2 2025, China's green loan balance reached approximately 42.4 trillion yuan, and the green bond balance exceeded 2.2 trillion yuan, positioning China among the top globally [1] - The carbon reduction support tool has guided financial institutions to issue carbon reduction loans exceeding 1.38 trillion yuan [1] - A total of 37 listed banks reported a combined green loan balance of 29.22 trillion yuan, with an average balance exceeding 800 billion yuan, reflecting a year-on-year growth of 41.79% [1][5] Green Loan Growth - The green loan balance of the banking system in China is leading globally, with state-owned banks playing a significant role [4] - Among the six major state-owned banks, the Industrial and Commercial Bank of China (ICBC) leads with a green loan balance of 6 trillion yuan, followed by China Construction Bank and Agricultural Bank of China, each with 5.72 trillion yuan [5] - Postal Savings Bank of China showed a remarkable year-on-year growth rate of 38.31%, nearing the 1 trillion yuan mark [5] Innovation in Green Financial Products - Banks are actively expanding and innovating specialized green financial products and service models, covering areas such as clean energy and environmental remediation [2] - The green financial product system is becoming increasingly diverse, showcasing various practical paths and innovative outcomes [2] Carbon Reduction Support Tool - The carbon reduction support tool is becoming a key indicator of banks' green financial capabilities, effectively directing financial resources towards green and low-carbon sectors [9] - In Q2 2025, 16 banks reported carbon reduction loans that facilitated a carbon reduction equivalent of over 7 million tons, with a total loan amount of nearly 24 billion yuan [9] - Major banks like ICBC and China Construction Bank have over 100 projects funded through carbon reduction loans, leading in both project numbers and loan amounts [9] Performance of Smaller Banks - Smaller banks, including city commercial banks and rural commercial banks, are showing significant growth in green loan balances, with some achieving substantial year-on-year increases [8] - Zhangjiagang Rural Commercial Bank led the rural commercial banks with a growth rate of 30.25% in green loan balances [7] - Smaller banks are encouraged to leverage local advantages and develop differentiated paths to support local green projects [8]