一、关联交易概述 因日常经营管理需要，苏州银行股份有限公司（以下简称"本行"）拟对苏 州工业园区经济发展有限公司（以下简称"园区经发"）及其关联体授信 148,000 万元。本行股东董事钱晓红系园区经发提名，根据相关规定，本次授信构成关联 交易。本次授信实施后，本行给予园区经发及其关联体授信总额为 307,452.88 万 元。 根据《深圳证券交易所股票上市规则》第 6.3.6 条的相关规定，本次授信后 授信总金额超出 2024 年度日常关联交易预计额度的 49,406.88 万元，本交易协议 属于金额在三百万元以上，且占本行最近一期经审计净资产绝对值 0.5%以上的 关联交易，应当及时披露。另外，根据《公开发行证券的公司信息披露编报规则 第 26 号——商业银行信息披露特别规定》《深圳证券交易所股票上市规则》等规 | 证券代码：002966 | 证券简称：苏州银行 | 公告编号：2025-023 | | --- | --- | --- | | 转债代码：127032 | 转债简称：苏行转债 | | 苏州银行股份有限公司 关于关联交易事项的公告 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 ...

第五届董事会第二十一次会议决议公告 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。 苏州银行股份有限公司（以下简称"本行"）于 2025 年 2 月 11 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二十一次会议的通知，会 议于 2025 年 2 月 14 日采用书面传签表决的方式召开。本行应出席董事 13 人， 因钱晓红董事作为关联董事回避表决，实际参加表决 12 人。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： 一、审议通过了关于苏州工业园区经济发展有限公司及其关联方申请集团 授信的议案 《苏州银行股份有限公司关于关联交易事项的公告》（公告编号：2025-023） 在《中国证券报》《证券时报》《证券日报》《上海证券报》及巨潮资讯网 （www.cninfo.com.cn）披露，供投资者查阅。 本议案同意票 12 票，反对票 0 票，弃权票 0 票。 | 证券简称：苏州银行 | 公告编号：2025-022 | | --- | --- | | 转债简称：苏行转债 | | | 证券代码： ...

Redemption Overview - The conditional redemption of "Su Hang Convertible Bonds" was triggered as the stock price of Suzhou Bank has been above 130% of the conversion price for 15 trading days from December 12, 2024, to January 21, 2025, reaching 8.05 yuan per share [3][4] - The board of directors approved the early redemption of all outstanding "Su Hang Convertible Bonds" on January 21, 2025 [3] Redemption Terms - The redemption price is set at 101.35 yuan per bond, which includes accrued interest [5][6] - The accrued interest is calculated based on the formula: IA = B × i × t / 365, where B is the total face value of the bonds held, i is the annual coupon rate, and t is the number of days from the last interest payment to the redemption date [4][5] Redemption Schedule - Key dates include: - Redemption registration date: March 6, 2025 - Redemption date: March 7, 2025 - Last trading day: March 4, 2025 - Funds credited to the issuer's account: March 12, 2025 - Redemption proceeds credited to bondholders' accounts: March 14, 2025 [1][9] Tax Implications - Individual investors are subject to a 20% tax on interest income, resulting in a net redemption amount of approximately 101.08 yuan per bond after tax [11][12] - Qualified foreign institutional investors are exempt from corporate income tax on interest income, maintaining the full redemption amount of 101.35 yuan [12] Additional Information - The bonds will be delisted from the Shenzhen Stock Exchange after the redemption is completed [15] - The company will publish a redemption results announcement within seven trading days after the redemption [9][10]

| 证券代码：002966 | 证券简称：苏州银行 | 公告编号：2025-021 | | --- | --- | --- | | 转债代码：127032 | 转债简称：苏行转债 | | 苏州银行股份有限公司 关于"苏行转债"赎回实施的第十二次提示性公告 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。 特别提示： 1."苏行转债"赎回价格：101.35 元/张（含息税，当期年利率为 1.50%）， 扣税后的赎回价格以中国证券登记结算有限责任公司深圳分公司（以下简称"中 登公司"）核准的价格为准。 2. 有条件赎回条款触发日：2025 年 1 月 21 日 3. 赎回登记日：2025 年 3 月 6 日 4. 赎回日：2025 年 3 月 7 日 5. 停止交易日：2025 年 3 月 4 日 6. 停止转股日：2025 年 3 月 7 日 7. 发行人资金到账日（到达中登公司账户）：2025 年 3 月 12 日 8. 投资者赎回款到账日：2025 年 3 月 14 日 9. 赎回类别：全部赎回 10. 最后一个交易日可转债简称：Z 苏转债 11. 根据安排，截 ...

Investment Rating - The investment rating for Suzhou Bank is "Buy" (maintained) [6][10]. Core Views - Suzhou Bank's revenue growth exceeded expectations, with a projected increase in non-interest income contribution [4][10]. - The bank's total assets grew by 15.3% in 2024, while loan growth was 13.6%, indicating a slowdown in growth but still in line with industry trends [6]. - The bank's asset quality remains stable, with a non-performing loan ratio of 0.83% and a provision coverage ratio of 483.46% [8]. Financial Performance Summary - For 2024, Suzhou Bank's operating income is expected to reach 12,223 million yuan, reflecting a year-on-year growth of 3.0% [14]. - The net profit attributable to shareholders is projected to be 5,071 million yuan, with a growth rate of 10.2% [14]. - Earnings per share (EPS) for 2024 is estimated at 1.27 yuan, with a price-to-book (PB) ratio of 0.53 [10][14]. Asset Quality and Risk Management - The bank's non-performing loan ratio for 2024 is 0.83%, showing a slight improvement, while the provision coverage ratio has increased by 10 percentage points [8]. - The bank maintains a stable risk compensation ability with a loan-to-deposit ratio around 4% [8]. Future Outlook - The bank is expected to maintain steady credit growth supported by regional advantages and favorable policies, with projected net profit growth rates of 10.2%, 8.2%, and 8.7% for 2024, 2025, and 2026 respectively [10][14].

| 证券代码：002966 | 证券简称：苏州银行 | 公告编号：2025-020 | | --- | --- | --- | | 转债代码：127032 | 转债简称：苏行转债 | | 苏州银行股份有限公司 关于"苏行转债"赎回实施的第十一次提示性公告 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。 特别提示： 1."苏行转债"赎回价格：101.35 元/张（含息税，当期年利率为 1.50%）， 扣税后的赎回价格以中国证券登记结算有限责任公司深圳分公司（以下简称"中 登公司"）核准的价格为准。 2. 有条件赎回条款触发日：2025 年 1 月 21 日 3. 赎回登记日：2025 年 3 月 6 日 4. 赎回日：2025 年 3 月 7 日 5. 停止交易日：2025 年 3 月 4 日 6. 停止转股日：2025 年 3 月 7 日 7. 发行人资金到账日（到达中登公司账户）：2025 年 3 月 12 日 8. 投资者赎回款到账日：2025 年 3 月 14 日 9. 赎回类别：全部赎回 10. 最后一个交易日可转债简称：Z 苏转债 11. 根据安排，截 ...

| 证券代码：002966 | 证券简称：苏州银行 | 公告编号：2025-019 | | --- | --- | --- | | 转债代码：127032 | 转债简称：苏行转债 | | 苏州银行股份有限公司 关于"苏行转债"赎回实施的第十次提示性公告 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。 特别提示： 1."苏行转债"赎回价格：101.35 元/张（含息税，当期年利率为 1.50%）， 扣税后的赎回价格以中国证券登记结算有限责任公司深圳分公司（以下简称"中 登公司"）核准的价格为准。 2. 有条件赎回条款触发日：2025 年 1 月 21 日 3. 赎回登记日：2025 年 3 月 6 日 4. 赎回日：2025 年 3 月 7 日 自 2024 年 12 月 12 日至 2025 年 1 月 21 日，苏州银行股份有限公司（以下 简称"本行"）股票价格已有 15 个交易日的收盘价不低于"苏行转债"当期转 股价格 6.19 元/股的 130%（含 130%，即 8.05 元/股），根据《苏州银行股份有 限公司公开发行 A 股可转换公司债券募集说明书》（ ...

Group 1: Credit and Market Performance - The bank has achieved a good start in credit issuance for 2025, with project reserves exceeding the same period last year [2] - The bank aims to expand market share and ensure early returns through proactive project implementation [2] - The bank has achieved full coverage of operating institutions across Jiangsu province and is focusing on developing key areas outside its base [3] Group 2: Asset Quality and Risk Management - The bank maintains a risk management philosophy emphasizing the importance of risk prevention, with a non-performing loan ratio of 0.83% as of the end of 2024, a decrease of 0.01 percentage points from the previous year [4] - Continuous optimization of credit policies and monitoring will be implemented to maintain stable asset quality throughout the year [4] Group 3: Investor Returns - The bank has consistently maintained a cash dividend ratio above 30% over the past three years, with expectations for sustainable returns for shareholders [5] - The bank will assess the total profit distribution and cash dividend ratio for the year to enhance investor satisfaction [5] Group 4: Compliance and Communication - The company ensured that no undisclosed significant information was leaked during the investor communication process [6]

Investment Rating - The investment rating for Suzhou Bank is "Buy" and is maintained [5]. Core Views - Suzhou Bank's revenue growth accelerated in the fourth quarter, with a full-year revenue growth rate of 3.0%, up from 1.1% in the first three quarters, and a notable 9.6% growth in the fourth quarter alone. The net profit attributable to shareholders increased by 10.2% year-on-year, with a fourth-quarter growth of 6.0% [3][8]. - The asset quality remains strong, with a year-end non-performing loan (NPL) ratio decreasing by 1 basis point to 0.83%, and the provision coverage ratio increasing by 10 percentage points to 483% [3][8]. - The first major shareholder, Suzhou Guofa Group, has been increasing its stake, having accumulated 104 million shares since September 2024, raising its holding by 2.18 percentage points to 14%. This reflects the support from the Suzhou municipal government for the long-term value of Suzhou Bank [3][8]. Summary by Sections Revenue and Profitability - The full-year revenue growth was 3.0%, with a quarterly growth of 9.6% in Q4. The net profit attributable to shareholders grew by 10.2% year-on-year, with Q4 showing a 6.0% increase [3][8]. Asset Quality - The year-end NPL ratio was 0.83%, down 1 basis point, while the provision coverage ratio rose to 483%, indicating strong asset quality management [3][8]. Shareholder Activity - Suzhou Guofa Group has increased its stake in Suzhou Bank, reflecting confidence from the local government. The group plans to continue its share purchases, which is expected to support the bank's long-term growth [3][8]. Valuation - The current valuation stands at 0.64 times the 2025 price-to-book ratio (PB), with a projected dividend yield of 5.2% for 2025 [3][8].

| 证券代码：002966 | 证券简称：苏州银行 | 公告编号：2025-018 | | --- | --- | --- | | 转债代码：127032 | 转债简称：苏行转债 | | 苏州银行股份有限公司 关于"苏行转债"赎回实施的第九次提示性公告 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。 特别提示： 1."苏行转债"赎回价格：101.35 元/张（含息税，当期年利率为 1.50%）， 扣税后的赎回价格以中国证券登记结算有限责任公司深圳分公司（以下简称"中 登公司"）核准的价格为准。 2. 有条件赎回条款触发日：2025 年 1 月 21 日 3. 赎回登记日：2025 年 3 月 6 日 4. 赎回日：2025 年 3 月 7 日 5. 停止交易日：2025 年 3 月 4 日 6. 停止转股日：2025 年 3 月 7 日 7. 发行人资金到账日（到达中登公司账户）：2025 年 3 月 12 日 8. 投资者赎回款到账日：2025 年 3 月 14 日 9. 赎回类别：全部赎回 10. 最后一个交易日可转债简称：Z 苏转债 11. 根据安排，截至 ...