◎记者 张欣然 随着银行板块回暖，沉寂多年的银行可转债市场迎来久违的"转股潮"。从南京银行、杭州银行高达99% 以上的转股率，到光大银行、浦发银行引入"白衣骑士"压哨转股，再到中信银行、兴业银行股东主动出 手协助转股，银行可转债正摆脱"发得出，转不动"的尴尬局面，迈向"发得出，转得动"的新阶段。 在监管政策鼓励资本多元补充、市场供需错配加剧、投资者接受度提升等因素推动下，银行转债正重新 回归为"补血主渠道"，并迎来"再起航"窗口期。 可转债重返银行"补血主渠道" 今年以来，成都银行、南京银行、杭州银行、苏州银行等多家银行可转债触发强赎，转股率普遍在90% 以上，部分银行甚至高达99.98%。在股价修复共振的背景下，曾经的"理想型融资工具"开始真正兑现其 资本工具属性。 7月18日，南京银行公告称，"南银转债"触发强赎并摘牌，其转股率高达99.98%，刷新银行转债转股率 纪录。"南银转债"于2021年6月发行，设置了明确的强赎机制。随着南京银行股价持续走强，提前满足 赎回条件，转股总数达23.57亿股。分析人士认为，转债得以转股，不仅反映出正股强势表现，也体现 市场对银行基本面与资本回报能力的认可。 7月7日， ...

证券代码：002966 证券简称：苏州银行 公告编号：2025-067 苏州银行股份有限公司 首次公开发行A股前已发行股份上市流通提示性公告 本行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、 误导性陈述或者重大遗漏。 特别提示： 1.本次限售股上市流通数量为7,262,540股，占本行总股本的0.1624%。 2.本次限售股上市流通日期为2025年8月4日（星期一）。 一、首次公开发行前已发行股份情况及上市后股份变动情况 经中国证券监督管理委员会《关于核准苏州银行股份有限公司首次公开发行 股票的批复》（证监许可〔2019〕905号）核准，本行向社会公开发行人民币普 通股（A股）333,333,334股。经深圳证券交易所《关于苏州银行股份有限公司人 民币普通股股票上市的通知》（深证上〔2019〕442号）同意，本行于2019年8 月2日在深圳证券交易所挂牌上市。 首次公开发行前，本行总股本3,000,000,000股，该次发行后本行总股本 3,333,333,334股，包括有限售条件流通股3,000,000,000股，无限售条件流通股 333,333,334股。 本行于2021年4月12日公开 ...

招商证券股份有限公司 关于苏州银行股份有限公司首次公开发行前已发行股份 部分解除限售并上市流通的核查意见 招商证券股份有限公司（以下简称"招商证券"或"保荐机构"）作为苏州 银行股份有限公司（以下简称"苏州银行"或"公司"）持续督导的保荐机构， 根据《证券发行上市保荐业务管理办法》《深圳证券交易所股票上市规则》《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》等法律法 规和规范性文件的要求，对苏州银行首次公开发行前已发行股份部分解除限售并 上市流通事项进行了审慎核查。具体情况如下： 一、首次公开发行前已发行股份情况及上市后股份变动情况 经中国证券监督管理委员会（以下简称"中国证监会"）《关于核准苏州银行 股份有限公司首次公开发行股票的批复》（证监许可〔2019〕905 号）核准，苏 州银行向社会公开发行人民币普通股（A 股）333,333,334 股。经深圳证券交易 所《关于苏州银行股份有限公司人民币普通股股票上市的通知》（深证上〔2019〕 442 号）同意，苏州银行于 2019 年 8 月 2 日在深圳证券交易所挂牌上市。 首次公开发行前，苏州银行总股本 3,000,000,000 ...

Core Insights - Suzhou Bank has successfully transformed from a local agricultural bank to a significant regional financial institution over its 15 years of operation, with total assets exceeding 720 billion yuan and maintaining high asset quality [1][3][4] - The bank's dual-engine strategy focuses on "Technology Innovation + Cross-border" and "People's Livelihood + Wealth," aligning with national policy directions to drive financial service innovation and support regional economic prosperity [1][5][20] Group 1: Strategic Development - Suzhou Bank's growth is characterized by a strategic focus on local economic characteristics, emphasizing retail banking and community services, such as the issuance of social security cards [3][4] - The bank has established a comprehensive risk management system to ensure sustainable development, maintaining a non-performing loan ratio below 1% and achieving a record low of 0.83% by the end of 2024 [4][20] Group 2: Business Expansion and Quality Improvement - The bank has expanded its physical network significantly, achieving full coverage in Suzhou and establishing branches across Jiangsu province, with total assets growing nearly 15 times since its inception [4][20] - Suzhou Bank has successfully listed on the Shenzhen Stock Exchange, becoming the 33rd listed bank in China, with total assets reaching 727.15 billion yuan as of March 2023, reflecting a 112% increase since its listing [4][20] Group 3: Innovation in Financial Services - The bank has developed a unique financial service model that integrates technology and cross-border finance, launching various innovative products to support technology enterprises and enhance cross-border trade [5][9][10] - Suzhou Bank has implemented a "345" action plan to optimize the business environment, enhancing financial service efficiency and supporting small and medium-sized enterprises in their digital transformation [7][20] Group 4: Support for Local Economy and SMEs - The bank has actively supported local small and micro enterprises, with inclusive loans exceeding 70.5 billion yuan, utilizing digital risk control to balance support for the real economy and asset quality management [17][18] - Suzhou Bank has introduced various financial products tailored to meet the needs of local businesses, including credit products and supply chain financing, to stimulate market vitality [19][20] Group 5: Commitment to Social Responsibility - The bank has launched initiatives to enhance consumer finance and services for new citizens, providing tailored financial solutions and promoting community engagement [12][13][20] - Suzhou Bank has focused on developing a comprehensive financial service ecosystem for technology innovation, supporting over 13,000 technology enterprises with a credit scale exceeding 130 billion yuan [14][15][16]

Core Insights - The financial sector in Jiangsu is experiencing intense competition, highlighted by the success of local banks during the "Soo Super" league, which has garnered significant public interest and engagement [1] - Jiangsu has the highest number of banks listed on A-shares in China, with nine banks demonstrating strong operational performance [1][4] Group 1: Performance of Jiangsu Banks - Among the 64 city and rural commercial banks in Jiangsu, 13 made it to the 2025 World Bank's top 1000 list, the highest in the country [1] - The three leading city commercial banks—Jiangsu Bank, Nanjing Bank, and Suzhou Bank—are all publicly listed and show strong growth metrics [2] - In 2024, Jiangsu Bank achieved a net profit of 31.843 billion, leading the profit rankings, while Nanjing Bank and Suzhou Bank reported net profits of 20.177 billion and 5.068 billion, respectively [7][18] Group 2: Financial Metrics - Jiangsu Bank's total assets reached 3952.042 billion, with a year-on-year growth of 16.12%, while Nanjing Bank and Suzhou Bank reported total assets of 2591.4 billion and 693.714 billion, respectively [9][21] - The revenue growth rates for 2024 were 8.78% for Jiangsu Bank, 11.32% for Nanjing Bank, and 3.01% for Suzhou Bank, indicating a competitive landscape [17][20] - The net profit growth rates for these banks were 10.76% for Jiangsu Bank, 9.05% for Nanjing Bank, and 10.16% for Suzhou Bank, all surpassing Jiangsu's GDP growth rate of 5.8% [7][9] Group 3: Market Position and Strategy - Jiangsu's banking sector benefits from a robust regional economy, with a GDP of 13.7 trillion and a diverse industrial base, fostering a strong demand for financial services [22][24] - The establishment of the Jiangsu Rural Commercial Bank aims to enhance the efficiency of the rural financial system and support the growth of small and medium-sized banks [14][16] - Local banks are focusing on differentiated strategies, with city banks emphasizing comprehensive services and rural banks targeting small and micro enterprises [23][24]

Core Insights - Suzhou Bank has developed a flexible employment insurance platform that has served over 1.2 million new employment form workers, integrating financial services into urban employment and consumption [1] Group 1: Employment and Social Security Services - The third-generation social security card issued by Suzhou Bank serves as a multifunctional tool for nearly 4.78 million cardholders, allowing them to register for employment, receive subsidies, and manage salary payments through an integrated financial account [2] - The bank's social security card offers significant cost savings for users, including waiving fees for local and cross-bank withdrawals, written loss reports, and annual fees, which collectively save users a substantial amount annually [2] - Suzhou Bank has issued over 20,000 talent cards to support young talents in Suzhou, providing targeted financial support based on the needs of young scientists in research and entrepreneurship [2] Group 2: Consumer Financial Products - The "Su Xin Loan" product has provided nearly 50,000 new citizens with credit, with a total loan amount of nearly 500 million yuan, featuring high limits and lower interest rates compared to previous options [3] - The integration of financial services with consumer offerings, such as discounts on local products and social security registration, enhances consumer engagement and stimulates spending [3] - The "Xin Lin Card," in collaboration with community centers, offers parking discounts and other benefits, demonstrating the bank's strategy to connect community commerce with financial services [3] Group 3: Brand Philosophy and Market Positioning - Suzhou Bank's service philosophy focuses on being rooted in the local community and serving the public, positioning financial services as essential for daily life [4] - The bank's consistent approach to providing practical services has earned it trust within the Suzhou market, reflecting a commitment to community needs [4]

苏州银行App鸿蒙版积极推进金融服务创新，在全国金融领域率先落地鸿蒙系统近场推荐服务。通过在 线下网点部署Beacon蓝牙设备，并深度融合鸿蒙系统近场推荐能力，苏州银行成功实现了从传统的"人 找服务"到智能化的"服务找人"模式转变，为到行客户主动推荐立即取号、预填单等智慧服务，打造智 慧网点新体验。 这不仅是一次技术应用，更是对线下金融服务模式的革新。它有效打破了客户必须主动寻求服务的局 限，显著降低了操作门槛，提升了服务效率和客户体验的即时性与便捷性。 目前苏州银行App鸿蒙版已完成首页、财富、借款、生活等核心模块的开发和上线，为客户提供上百项 线上金融服务。作为金融领域首个落地近场推荐服务能力的应用，苏州银行始终秉持"以客户为中心"的 一体化经营战略，致力于通过金融科技的力量，为客户提供安全、便捷、高效的金融服务，全力书 写"数字金融"新篇章。 该服务的核心技术在于精准的场景意图识别。Beacon是一种基于蓝牙低功耗(BLE)技术的位置感知设 备，可持续广播信号，当客户携带鸿蒙设备进入网点10-15米范围时，系统会结合Beacon位置与客户实 时位置推测客户场景意图，并进行精准的服务推荐。实现这一功能的关 ...

证券代码：002966 证券简称：苏州银行 公告编号：2025-066 苏州银行股份有限公司（以下简称"本行"）于 2025 年 7 月 17 日以电子邮 件和书面方式向全体董事发出关于召开第五届董事会第二十六次会议的通知，会 议于 2025 年 7 月 21 日在苏州工业园区钟园路 728 号苏州银行大厦召开。本行应 出席董事 12 人，实际出席董事 12 人，其中赵刚董事、张统董事、钱晓红董事、 张姝董事、刘晓春董事、范从来董事、兰奇董事、陈汉文董事、李志青董事以视 频方式参加会议。会议由崔庆军董事长主持，部分监事、高级管理人员及相关部 门的负责人等列席会议。本次会议符合《公司法》《深圳证券交易所股票上市规 则》和本行章程的规定，合法有效。会议审议通过了以下议案： 同意聘任王凤根先生为本行内审部门负责人。 王凤根简历： 王凤根：男，1970 年 3 月出生，本科学历，中级会计师，现任本行运营管 理部总经理。历任工商银行苏州分行国际业务部出纳、办事员，华夏银行苏州支 行国际业务部贸易与非贸易结算科副科长、科长、会计处处长助理、会计部总经 理助理、副总经理、副总经理（主持工作）、苏州分行会计部总经理，本行财务 ...

2025年7月21日 核心观点 银行业 | | | 张一纬 ☎：010-8092-7617 z:zhangyiwei_yj@chinastock.com.cn 分析师登记编码：S0130519010001 社融信贷超预期,买断式逆回购改善银行负债成本 银行业周报（2025.07.14-2025.07.20） 研究助理 袁世麟 网: yuanshilin_yj@chinastock.com.cn 相对沪深 300 表现图 2025-07-18 资料来源:ifind,中国银河证券研究院 相关研究 行业周报 www.chinastock.com.cn 证券研究报告 请务必阅读正文最后的中国银河证券股份有限公司免责声明 银行板块表现弱于市场:本周沪深 300 指数上涨 1.09%,银行板块下跌 ● 1.03%。国有行、股份行、城商行、农商行分别-1.13%、-0.97%、-0.92%、- 1.41%。个股方面, 6 家上市银行上涨,厦门银行（+4.21%）、南京银行 (+2.25%)、民生银行(+1.87%)、上海银行(+1.10%)、杭州银行(+0.70%) 涨幅居前。截至7月18日,银行板块 PB 为 0.75 ...

Group 1 - The company has signed a fund sales agency agreement with Suzhou Bank, effective from July 22, 2025, allowing Suzhou Bank to sell certain funds managed by the company and participate in fee discount activities [1] - Investors can perform various transactions such as account opening, subscription, redemption, and regular investment through Suzhou Bank starting from the effective date [1] - The fee discount for subscriptions through Suzhou Bank will not have a discount limit, and the specific discount rates will be determined by Suzhou Bank, ensuring that the sales price does not fall below the cost [1][2] Group 2 - The fee discount activity applies only to the front-end charge model for subscription fees of the company's funds during the normal subscription period and does not include redemption fees [3] - The interpretation rights of the fee discount activity belong to Suzhou Bank, and any changes to the specific regulations will be announced by Suzhou Bank [3] Group 3 - Investors can consult details through Suzhou Bank's official website and customer service [4]