二、审议通过了《关于修订<重大事项内部报告制度>的议案》； 表决结果：同意 11 票，反对 0 票，弃权 0 票。 三、审议通过了《关于修订<董事会战略发展委员会工作细则>的议案》。 证券代码：002839 证券简称：张家港行 公告编号：2025-026 江苏张家港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 2025 年 9 月 2 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 9 月 12 日在公司 1605 会议室召开，以现场加视频 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《关于聘任行长助理的议案》； 聘任杨超先生为本行行长助理，任职期限同本届董事会期 ...

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。 从资金流向上来看，当日农商行板块主力资金净流出1.18亿元，游资资金净流入971.85万元，散户资金净 流入1.08亿元。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 | | --- | --- | --- | --- | --- | --- | --- | --- | | 601528 瑞丰银行 | | -189.46万 | -3.06% | 123.45万 | 2.00% | 66.01万 | 1.07% | | 601825 沪农商行 | | -543.89万 | -3.01% | 426.29万 | 2.36% | 117.60万 | 0.65% | | 601860 | 紫金银行 | -740.49万 | -5.56% | -21.60万 | -0.16% | 762.08万 | 5.72% | | 600908 | 无锡银行 | -831.59万 | - ...

理论还需通过实践巩固。一名分行工作人员现场展示了精彩的"点钞技能秀"，只见他手指翻飞，一沓点钞券瞬间被清点 完毕，娴熟的手法赢得了孩子们的阵阵惊叹。在工作人员逐一指导下，孩子们拿起专用点钞券，认真地学习、模仿标准 点钞手势，体验了一把银行柜员的日常。 所有孩子都成功完成"点钞大作战"体验后，分行为每个孩子准备了一份特别的礼物——印制精美的"小小银行家"荣誉证 书。手捧着证书，孩子们的脸上洋溢着自豪和喜悦的笑容。 （李文颖） 江南时报讯 近日，张家港农商银行无锡分行将一堂生动有趣的金融启蒙课搬进板桥社区，为辖区内幼儿园及小学阶 段的孩子们带来了一场别开生面的"小小银行家"体验活动。孩子们在轻松愉快的氛围中初步接触金融知识，开启了财商 启蒙的第一课。 分行员工担任"金融老师"，从人类最早的物物交换讲起，用生动有趣的故事和图片为孩子们讲解了货币的起源与发展， 引发了孩子们对"钱"从哪里来的浓厚兴趣。接着，一堂浅显易懂的财商启蒙课引导孩子们思考如何管理自己的零花钱和 压岁钱，初步树立正确的金钱观和消费观。 课程的重头戏是认识人民币。分行工作人员细致地向孩子们讲解人民币的水印、安全线、光变油墨等防伪特征。"老师， 这条 ...

（文章来源：证券日报） 证券日报网讯张家港行9月11日在互动平台回答投资者提问时表示，截至9月10日，公司股东户数为 53273户。 ...

Core Viewpoint - The banking industry is undergoing significant transformation, with local financial institutions playing a crucial role in supporting regional economic development and meeting diverse financial needs of the public [1] Group 1: Focus on Inclusive Finance - Zhangjiagang Bank prioritizes inclusive finance as its core strategy, focusing on small and micro enterprises, with agricultural and small micro loans reaching 1246.25 billion yuan by June 2025, an increase of 83.89 billion yuan from the beginning of the year, accounting for 90.88% of the total [2] - The bank offers tailored financial services for enterprises at different stages, including various credit products that reduce reliance on financial indicators and utilize policy guarantees and a three-dimensional assessment model [2] Group 2: Comprehensive Financial Services - For mature enterprises, Zhangjiagang Bank provides a range of services including merger financing, syndicate loans, bond underwriting, and investment advisory, along with cash management tools to support global expansion [3] - The retail sector is also a key area for the bank, focusing on consumer credit innovation and optimizing services to stimulate local consumption through a three-dimensional support system [3] Group 3: Risk Management - As of June 2025, the bank maintained a non-performing loan ratio of 0.94%, stable compared to the beginning of the year, and a provision coverage ratio of 383.98%, indicating strong risk mitigation capabilities [4] - The bank employs rigorous pre-loan investigations, in-process reviews, and post-loan management to effectively identify and mitigate credit risks [4] Group 4: Industry Recognition - Zhangjiagang Bank has received multiple accolades, ranking 502nd among the world's top 1000 banks and being recognized as an excellent participant in foreign exchange clearing business [5] - The bank aims to continue optimizing financial services and adapting to national policy directions to strengthen its support for enterprises and contribute to the new development pattern [5]

Core Viewpoint - The performance of A-share listed rural commercial banks in the first half of 2025 shows overall profit growth despite a declining net interest margin, with asset quality improving amidst increasing uncertainties [1][9]. Group 1: Financial Performance - All 10 A-share listed rural commercial banks reported year-on-year growth in net profit for the first half of 2025, despite a general decline in net interest margins [1]. - Jiangyin Rural Commercial Bank led the growth with a revenue of 2.401 billion yuan and a net profit of 846 million yuan, representing increases of 10.45% and 16.63% respectively [2]. - Changshu Rural Commercial Bank achieved revenue and net profit growth rates of 10.1% and 13.51%, maintaining a relatively high net interest margin of 2.58% [2]. Group 2: Net Interest Margin Trends - The net interest margin for several banks has shown a slowing decline, with some banks like Ruifeng Rural Commercial Bank experiencing a minimal drop of only 0.08 percentage points [4]. - Chongqing Rural Commercial Bank had the smallest decline in net interest margin, reducing by just 0.03 percentage points, while still achieving a 5.98% increase in interest income [4]. - However, banks like Zhangjiagang and Suzhou Rural Commercial Banks faced larger declines in net interest margins, with drops of 0.19 and 0.16 percentage points respectively [5]. Group 3: Asset Quality Improvement - The non-performing loan (NPL) ratio for rural commercial banks improved overall, with the average NPL ratio at 2.77%, a decrease of 0.03 percentage points from the end of 2024 [9]. - Qingdao Rural Commercial Bank showed the most significant improvement, with its NPL ratio decreasing by 0.04 percentage points to 1.75% [10]. - Despite improvements, challenges remain in retail loan quality, with some banks experiencing rising NPL ratios in specific sectors [11]. Group 4: Strategic Adjustments - Banks are adjusting their business structures and pricing strategies to mitigate the impact of declining net interest margins, with Chongqing Rural Commercial Bank effectively managing interest costs [6][7]. - The focus on enhancing non-interest income has been a key strategy, with banks like Changshu Rural Commercial Bank integrating financial and non-financial services to strengthen their competitive edge [7]. - Digital tools and data analytics are being utilized by banks to enhance customer targeting and service delivery, particularly in small and micro-business financing [12][13].

张家港农商银行党委委员、副行长陈金龙作开班讲话。他指出，数据分析已成为银行精准决策、高效运 营、创新服务的核心驱动力。培训的目标是培养一批既深谙银行业务精髓又熟练掌握数据分析技术的复 合型人才，推动全行数字化转型战略深入实施，实现业务质效的全面提升。他对参训学员寄予厚望，鼓 励大家珍惜难得的学习机会，以饱满的热情全身心投入，积极探索数据分析与业务深度融合的有效路 径，将所学知识转化为解决实际问题的有力武器，为行内数字化发展贡献智慧与力量。 近日，张家港农商银行数字银行部与党委组织部（人力资源部）共同组织开展的数据分析人才培训班正 式拉开帷幕。此次培训旨在打造一支专业过硬、素质优良的数据分析人才队伍，为推动全行数字化转型 与业务创新筑牢坚实基础。 本次培训的启动，是张家港农商银行推进数字化转型的务实举措。未来，该行将持续加强数据人才队伍 建设，提升数据应用能力，为可持续发展提供有力支撑。刘国良 本次培训特邀CDA研究院执行院长常国珍博士担任授课讲师。课程内容紧扣金融行业实际需求，围绕 数据分析应用及工具使用展开，系统讲解了Excel、Power BI和MySQL在报表生成、数据可视化及业务 决策分析中的应用技巧 ...

Core Insights - The agricultural commercial bank sector experienced a rise of 0.58% on September 10, with Yunnan Agricultural Commercial Bank leading the gains [1] - The Shanghai Composite Index closed at 3812.22, up 0.13%, while the Shenzhen Component Index closed at 12557.68, up 0.38% [1] Stock Performance - Yunnan Agricultural Commercial Bank (601077) closed at 6.66, with an increase of 1.83% and a trading volume of 1.061 million shares, amounting to 702 million yuan [1] - Jiangyin Bank (002807) closed at 4.92, up 1.44%, with a trading volume of 435,400 shares and a turnover of 213 million yuan [1] - Zijin Bank (601860) closed at 2.96, up 1.37%, with a trading volume of 570,400 shares and a turnover of 168 million yuan [1] - Other notable performances include Zhangjiagang Bank (002839) at 4.48 (+0.90%), and Wuxi Bank (600908) at 6.08 (+0.83%) [1] Capital Flow - The agricultural commercial bank sector saw a net outflow of 34.71 million yuan from institutional investors, while retail investors contributed a net inflow of 51.18 million yuan [1] - The detailed capital flow for individual stocks indicates that Changshu Bank (601128) had a net inflow of 20.62 million yuan from institutional investors, while it faced a net outflow of 15.01 million yuan from retail investors [2] - Yunnan Agricultural Commercial Bank (601077) experienced a significant net outflow of 42.29 million yuan from institutional investors, despite a retail net inflow of 36.90 million yuan [2]

在竞争激烈的金融市场中，从2017年上市之初的"不断向零售银行转型"，到2024年至2026年新三年发展 规划"打造普惠精品银行、政企伙伴银行、稳健投资银行"，经营思路的变化，能否助张家港行再度扬帆 起航？投资收益作为拉动其业绩增长的"引擎"，能否长期持续？ 二季度资产规模仅增长5亿元 ◎记者黄坤 作为全国首家由农信社改制组建成立的农商行，有着"001号农商行"之称的张家港行，此前一直是高速 行驶状态，如今却逐渐有了"停泊"之势。 张家港行"扩表"节奏放缓的背后，潜藏着零售转型所带来的阵痛。昔日驱动张家港行高增的个贷"引 擎"动能减弱，今年上半年个贷规模较峰值大幅缩水，个贷利息收入同比锐减超30%。但在净息差收窄 压力下，该行的投资收益却以超27%的增幅逆势而上，贡献了三成营收。 近期，张家港行上半年"成绩单"出炉——营业收入26.05亿元，较上年同期增幅1.72%；归属于上市公司 股东净利润9.95亿元，较上年同期增幅5.11%；6月末，该行总资产规模达2237.85亿元，较年初增长 2.23%。 上海证券报记者仔细翻看财报发现，张家港行经营指标延续了近年来增速下降的趋势：上半年，该行总 资产规模共增加了4 ...

Investment Rating - The report maintains an "Increase" rating for the banking sector, indicating a positive outlook for the industry [1]. Core Insights - In the first half of 2025, the contribution of financial asset disposal gains from AC and OCI accounts to revenue reached 5.2%, an increase of 2.9 percentage points compared to 2024 [1][2]. - The investment income growth rate for 42 listed banks was 23.6%, with AC, OCI, and TPL gains showing year-on-year growth rates of 134.7%, 79.0%, and -8.4% respectively [1]. - The report highlights that the increase in disposal gains does not necessarily indicate a significant increase in asset disposal scale, as market conditions and strategies vary among banks [2]. Financial Asset Disposal Gains - The contribution of AC and OCI financial asset disposal gains to revenue was 5.2%, up 2.9 percentage points from 2024, with AC asset disposal gains contributing 2.6% [2]. - Among different types of banks, rural commercial banks had the highest contribution from AC and OCI disposal gains, reaching 11.0%, an increase of 6.2 percentage points from 2024 [2]. - Specific banks such as Jiangyin Bank, Sunong Bank, and Zijin Bank had high disposal gain ratios relative to their revenue, at 28.9%, 26.7%, and 22.7% respectively [2]. OCI Floating Profit Situation - The overall OCI floating profit decreased compared to the end of the previous year, accounting for 12.6% of the estimated profit for 2025 [3]. - Major state-owned banks like CCB and ABC reported significant OCI floating profits, with balances exceeding 30 billion [3]. - The average contribution of OCI floating profits to profits for city and rural commercial banks was notably high, with Ningbo Bank's ratio reaching 35% [3][6]. Sector Trends - The banking sector is expected to benefit from expansionary policies aimed at stabilizing the economy, with a focus on real estate and consumer spending [7]. - The report suggests a focus on banks with improving fundamentals, such as Ningbo Bank, and those with dividend strategies like Jiangsu Bank and Chengdu Bank [7]. - Attention is also drawn to banks with potential convertible bond conversion expectations, including Shanghai Bank and Industrial Bank [7].