证券代码：002966 证券简称：苏州银行 公告编号：2026-009 苏州银行股份有限公司 2026 年第二次临时股东会决议公告 本行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、误导性陈述或重大遗漏。 （二）本次股东会不存在变更前次股东会决议的情况。 一、会议召开情况 特别提示： （一）本次股东会无否决议案的情况； （一）召开时间 1、现场会议召开时间：2026 年 3 月 23 日（星期一）下午 15:30。 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 2026 年 3 月 23 日上午 9:15-9:25、9:30-11:30，下午 13:00-15:00；通过深圳证券 交易所互联网投票系统投票的时间为 2026 年 3 月 23 日 9:15-15:00。 （二）会议地点：苏州工业园区钟园路 728 号苏州银行大厦 4 楼会议室。 （三）召开方式：采取现场投票和网络投票相结合的方式。 本次股东会采取现场投票和网络投票相结合的表决方式，审议通过了以下议 案： （一）以普通决议审议通过了《关于选举吴杰先生为苏州银行股份有限公司 第六届董事会独立董事的议案》，该 ...

法律意见书 苏 州 工 业 园 区 苏 桐 路 37 号 4 号 楼 江苏新天伦律师事务所 Jiangsu New Talent Law Firm 江苏省苏州市工业园区苏桐路 37 号 4 号楼 3-4 层，邮编 215021 江苏新天伦律师事务所 关于 苏州银行股份有限公司 2026 年第二次临时股东会 之 电 话 ( T e l ) : 0 5 1 2 - 6 5 1 5 2 0 5 6 传 真 ( F a x ) : 0 5 1 2 - 6 5 1 5 2 0 5 5 江苏新天伦律师事务所 Jiangsu New Talent Law Firm 江苏省苏州市工业园区苏桐路 37 号 4 号楼 3-4 层，邮编 215021 正文 致：苏州银行股份有限公司 江苏新天伦律师事务所（以下简称"本所"）接受苏州银行股份有限公司（以 下简称"苏州银行"或"公司"）委托，指派林晓莉律师、黄璐律师（以下简称 "本所律师"）出席苏州银行股份有限公司 2026 年第二次临时股东会（以下简 称"本次股东会"），对本次股东会的合法性进行见证，并出具法律意见书。 本法律意见书根据《中华人民共和国证券法》（2019 年修订）、《 ...

丨证券研究报告丨 行业研究丨行业周报丨银行 [Table_Title] 宽基指数基金重新净流入 ——银行业周度追踪 2026 年第 11 周 请阅读最后评级说明和重要声明 %% %% %% %% research.95579.com 报告要点 [Table_Summary] 本周受全球地缘事件影响，市场波动率维持高位，红利防御属性的板块上涨，银行股相对沪深 300 和上证综指实现超额收益，但跑输连续两周反弹的创业板指。资金层面，宽基指数基金出 现拐点，沪深 300、上证 50 指数基金 1 月下旬以来首次周度净流入，红利指数基金连续两周 明显净流入。个股层面，A 股国有大行全面上涨，历史上股价弹性较高的中信银行 A 股本周领 涨，前期领涨的部分区域银行调整。当前时点，我们继续看好银行股估值修复，经历半年以上 充分调整，PB-ROE 估值低、业绩趋势向好、资金面压力逐步消化。 分析师及联系人 [Table_Author] 马祥云 盛悦菲 SAC：S0490521120002 SAC：S0490524070002 SFC：BUT916 1 [Table_Title 宽基指数基金重新净流入 2] ——银行业周度追踪 ...

[Table_Page] 跟踪分析|银行 证券研究报告 [Table_Title] 银行行业 通胀预期下广谱资产流动性收敛，关注负反馈 ——银行资负跟踪 20260322 [Table_Summary] 核心观点： | [Table_Gr ade] 行业评级 | 买入 | | --- | --- | | 前次评级 | 买入 | | 报告日期 | 2026-03-22 | [Table_PicQuote] 相对市场表现 [分析师： Table_Author]倪军 SAC 执证号：S0260518020004 021-38003646 nijun@gf.com.cn 分析师： 林虎 SAC 执证号：S0260525040004 SFC CE No. BWK411 021-38003643 gflinhu@gf.com.cn 请注意，倪军并非香港证券及期货事务监察委员会的注册 持牌人，不可在香港从事受监管活动。 -10% -3% 4% 10% 17% 24% 03/25 06/25 08/25 10/25 01/26 03/26 银行 沪深300 [Table_ 相关研究： DocReport] | 银行行业:山东 ...

银行周报（2026/3/16-2026/3/20） 风格均衡叠加业绩期，银行股迎投资机会 [Table_Industry] 商业银行 | [姓名table_Authors] | 电话 | 邮箱 | 登记编号 | | --- | --- | --- | --- | | 马婷婷(分析师) | 021-23185608 | matingting@gtht.com | S0880525100001 | | 李润凌(分析师) | 021-23183283 | lirunling@gtht.com | S0880525120003 | 股票研究 /[Table_Date] 2026.03.22 本报告导读： 截至 03/21 共有 14 家银行披露 2025 年业绩快报/年报，业绩稳健增长，资产质量保 持平稳。业绩期将至，二季度银行板块投资面临的交易环境和业绩表现均较为友好， 重视绩优股机会。 投资要点： [Table_Report] 相关报告 商业银行《业绩期，重视绩优股》2026.03.21 商业银行《定存向大型银行迁移，中小银行配债 力度下降》2026.03.18 商业银行《银行加速股票型指数基金布局，招行 主动基 ...

证券研究报告/投资策略 机构调研策略周报（2026.03.16-2026.03.20） 投资要点 ➢ 机构调研热门行业情况 本周（2026/3/16-2026/3/20），一级行业中，按机构被调研总次数从高到低排序，机 械设备、基础化工、电子的关注度较高，其中电力设备、基础化工的近 5 天调研机构家 数较多。对比上周调研情况，调研热度向周期方向倾斜，基础化工接力电子成为新焦点， 电力设备保持广泛关注。 近 30 天（2026/2/19-2026/3/20），一级行业中，按机构被调研总次数从高到低排序， 机械设备、电子、基础化工、电力设备的关注度较高，其中电子、机械设备的近一个月调 研机构家数较多。 ➢ 机构调研热门公司情况 本周机构调研情况，按照近 5 天机构调研次数排名，调研次数较多且机构评级家数大于 10 家的公司为佐力药业、苏州银行、银轮股份等。按照近 5 天机构调研家数排名，调研 机构家数较多且机构评级家数大于 10 的公司为银轮股份、佐力药业、苏州银行等。 近 30 天机构调研情况，按照近 30 天机构调研次数排名，调研次数较多且机构评级家数 大于 10 的公司为顺络电子、佐力药业、华锐精密等。按照 ...

Investment Rating - The investment rating for Suzhou Bank is "Buy" and is maintained [5]. Core Views - 2026 marks the final year of Suzhou Bank's three-year strategic plan, with expectations of steady growth in fundamentals. Credit growth is projected to maintain a year-on-year increase of around 12%, with asset scale expected to reach one trillion yuan by 2027, reflecting a compound annual growth rate of approximately 13% over the next two years [3][4]. - The net interest margin is anticipated to stabilize in 2026, with significant acceleration in interest income growth, leading to a marked improvement in total revenue growth. The bank has effectively managed personal operating loans, resulting in asset quality improvements ahead of peers, although there remains downward pressure on the provision coverage ratio [3][4]. - The stock price has shown significant stagnation this year, with a year-to-date change of only 1.1%, trailing behind other quality city commercial banks, indicating insufficient market pricing of the fundamental improvements [3][4]. Summary by Sections Business Outlook - The bank's asset scale is expected to continue double-digit growth, supported by an optimized credit structure that is likely to stabilize the net interest margin and improve asset quality [3][4]. - The bank's management has prioritized long-term capabilities over short-term scale expansion, focusing on enhancing service to real economy clients, with a higher proportion of loans directed towards the manufacturing sector compared to peers [3][4]. Financial Projections - For 2026, the bank's total assets are projected to reach approximately 891.3 billion yuan, with a year-on-year growth rate of 13.20%. The net profit attributable to shareholders is expected to be around 5.87 billion yuan, reflecting a growth rate of 7.46% [21][26]. - The net interest margin is forecasted to stabilize at 1.34% in 2026, with interest income expected to grow significantly due to a favorable loan structure and the expiration of high-rate deposits [21][26]. Shareholder Confidence - The major shareholder, Suzhou Guofa Group, has been actively increasing its stake, with total investments reaching 1.259 billion yuan, reflecting confidence in the bank's long-term value [3][4]. - The bank's management is expected to maintain a market-oriented and professional selection process, which may enhance resource collaboration with the government due to closer equity ties [3][4].

Group 1: Credit and Business Development - The bank's credit issuance is performing well, maintaining a good growth trend as of the peak season in 2026 [1] - The bank aims to continue expanding its market share and maintain steady growth in loan volume throughout the year [1] - The bank is actively developing its business in other regions of Jiangsu Province, with a focus on key areas to enhance market share [1] Group 2: Asset Quality - As of September 2025, the group's non-performing loan ratio is 0.83%, with a provision coverage ratio of 420.59%, indicating stable asset quality [2] - The bank will continue to optimize its credit policies and approval strategies, enhancing monitoring and risk prevention measures [2] Group 3: Investor Relations - The company engaged in thorough communication with investors during the meeting, adhering to regulations and ensuring no undisclosed significant information was leaked [2]

Group 1 - The banking operating environment is characterized by a shift to a "quality over quantity" approach in credit growth, with a slowdown in RMB loan growth to 6% as of February 2026, influenced by weak credit demand and a focus on state-supported industries [4][14] - Fiscal policy remains proactive, with a projected general deficit rate of approximately 8.0% in 2026, which is expected to maintain a strong leverage effect on credit demand similar to 2025 [31][32] - The profitability of banks is gradually stabilizing, with state-owned banks showing positive profit growth due to fiscal policies, while smaller banks face operational pressures [7][35] Group 2 - Retail credit risk remains under pressure, with an increase in non-performing loans, particularly among smaller banks, although there is optimism for state-owned banks' asset quality [7][26] - The investment strategy emphasizes two main lines: focusing on wealth management capabilities in joint-stock banks and identifying city and rural commercial banks with controllable risks and strong profit certainty [6][35] - The credit growth momentum is shifting from traditional industries to emerging sectors supported by government policies, with significant growth in loans to green and high-tech enterprises [19][20]

Investment Rating - The industry investment rating is "Buy" [2] Core Insights - The report provides a comprehensive analysis of 219 regional banks in Shandong Province, highlighting their asset structure, profitability, and asset quality compared to listed banks [6][21] - The asset growth rate of major city commercial banks in Shandong is 13.5%, which is lower than the 14.2% growth rate of listed city commercial banks [26] - The report indicates that the loan-to-asset ratio for city commercial banks is 54.9%, while for rural commercial banks it is 51.6%, both showing a slight year-on-year decline [31] - The profitability metrics reveal that the return on assets (ROA) for city commercial banks in Shandong is 50 basis points lower than that of listed city commercial banks, and the return on equity (ROE) is 3.09 percentage points lower [6][31] - The asset quality of regional banks in Shandong is weaker than that of listed banks, with non-performing loan ratios higher by 21 basis points for city commercial banks and 72 basis points for rural commercial banks [6][31] Summary by Sections 1. Economic Structure of Shandong Province - Shandong Province is implementing initiatives to enhance its economic development, focusing on green and high-quality growth [13] 2. Overview of Regional Banks in Shandong - Shandong has 219 commercial banks, including 14 city commercial banks, 91 village banks, and 110 rural commercial banks [21] - The report notes that the majority of these banks were established between 2011 and 2015, with 125 banks founded during this period [21] 3. Asset and Liability Structure - The asset growth of major banks has remained stable since 2017, with city commercial banks showing a growth rate of 13.5% in the first half of 2025 [26] - The report highlights that the loan structure is predominantly corporate loans, with city and rural commercial banks having corporate loan ratios of 72.7% and 64.2%, respectively [32] 4. Profitability and Asset Quality - The report indicates that the profitability of Shandong's regional banks is lower than that of listed banks, with city commercial banks' ROA at 0.66% and ROE at 9.43% [6][31] - The non-performing loan ratio for city commercial banks is reported at 1.21%, which is higher than the average for listed banks [31] 5. Capital Adequacy - The capital adequacy ratios for city and rural commercial banks in Shandong are reported to be 13.4% and 13.8%, respectively, indicating a sufficient safety margin [6][31]