苏州银行股份有限公司 信息披露管理制度 第一章 总 则 第一条 为规范苏州银行股份有限公司（以下简称"本行"或"公 司"）信息披露工作，加强信息披露管理，保护投资者的合法权益，依 据《中华人民共和国公司法》《中华人民共和国证券法》《上市公司信 息披露管理办法》《商业银行信息披露办法》《银行保险机构公司治理 准则》《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》和《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 5 号——信息披露事务管理》等相关 规则以及《苏州银行股份有限公司章程》的有关规定，特制定《苏州 银行股份有限公司信息披露管理制度》（以下简称"本制度"）。 第二条 本制度所称"信息"是指所有对本行证券及其衍生品种 交易价格可能产生重大影响的信息以及相关证券监管机构和证券交 易所要求披露的其他信息或本行主动披露的信息。 第五条 本行财务会计报告由会计报表、会计报表附注和财务情 况说明书组成。会计报表应包括资产负债表、利润表（损益表）、现金 流量表、所有者权益变动表及其他有关附表。 第六条 本制度适用于本行股票及其衍生品种的信息披露及相关 工作。 第七 ...

经国家金融监督管理总局江苏监管局和中国人民银行批准，苏州银行股份有 限公司（以下简称"本行"）近日在全国银行间债券市场发行"苏州银行股份有 限公司 2024 年无固定期限资本债券（第一期）"（以下简称"本期债券"）。 本期债券簿记建档日为 2024 年 11 月 6 日，并于 2024 年 11 月 8 日完成发行。 本期债券发行规模为人民币 30 亿元，前 5 年票面利率为 2.69%，每 5 年调整一 次，在第 5 年及之后的每个付息日附发行人有条件赎回权。 本期债券的募集资金将依据适用法律和监管部门的批准，用于补充本行其他 一级资本。 | 证券代码：002966 | 证券简称：苏州银行 | 公告编号：2024-057 | | --- | --- | --- | | 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 2024 年无固定期限资本债券（第一期） 发行完毕的公告 本行及董事会全体成员保证公告内容的真实、准确和完整，没有虚假记载、 误导性陈述或者重大遗漏。 2024 年 11 月 11 日 特此公告。 苏州银行股份有限公司董事会 ...

苏州银行股份有限公司（以下简称"本行"）于 2024 年 11 月 1 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十九次会议的通知，会议 于 2024 年 11 月 11 日在苏州市姑苏区盛家浜 8 号召开。本行应出席董事 12 人， 实际出席董事 12 人。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。审议通过了以下议案： 一、审议通过了关于修订《苏州银行股份有限公司信息披露管理制度》的 议案 | 证券代码：002966 | 证券简称：苏州银行 | 公告编号：2024-058 | | --- | --- | --- | | 转债代码：127032 | 转债简称：苏行转债 | | 苏州银行股份有限公司 第五届董事会第十九次会议决议公告 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信息披露管理制度》具体内容同日在巨潮资讯网 （www.cninfo.com.cn）披露，供投资者查阅。 本议案同意票 12 票，反 ...

苏州银行股份有限公司投资者关系活动记录表 编号：2024-27 | --- | --- | --- | |------------------|---------------------------------------------------------------------------------|--------------------------------------------------------------------| | | | | | | 特定对象调研 □分析师会议 | | | 投资者关系活动类 | □媒体采访 □ | 业绩说明会 | | 别 | □ 新闻发布会 □ □现场参观 | 路演活动 | | | □ 其他（请文字说明其他活动内容） | | | | 调研人员：国联证券盛程奕、 王一、陈昌涛，大成基金徐 雄辉，小康人寿邓轶伦，光 | 调研人员：银华基金焦巍、 张舰、杜鹃 | | 活动参与人员 | 大理财许伟，山证上海资管 刘燊 上市公司接待人员：计划财 务部总经理助理沈若弢及风 | 上市公司接待人员：董事会 秘书朱敏军、计划财务部总 | | | 险管理部和董事会办公室相 关人员 ...

| 证券代码：002966 | 证券简称：苏州银行 | 公告编号：2024-055 | | --- | --- | --- | | 转债代码：127032 | 转债简称：苏行转债 | | 苏州银行股份有限公司 2024 年半年度权益分派实施公告 本行及董事会全体成员保证公告内容的真实、准确、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"）2024年半年度权益分派方案 已经2024年10月29日召开的本行第五届董事会第十八次会议审议通过，现将权 益分派事宜公告如下： 一、董事会审议通过权益分派方案情况 1. 根据本行2023年度股东大会授权，2024年10月29日，本行第五届董事会 第十八次会议审议通过了关于《苏州银行股份有限公司2024年中期利润分配方 案》的议案：向权益分派股权登记日登记在册的普通股股东每10股派发现金股 利2.00元（含税），鉴于2024年6月30日至实施期间，公司总股本因可转换公司 债券转股由3,666,744,572股增加至3,764,811,872股，根据权益分派方案规定，按 照分配比例不变的原则对分配总额进行调整，调整后以截至2024年11月6 ...

| 证券代码：002966 | 证券简称：苏州银行 | 公告编号：2024-056 | | --- | --- | --- | | 转债代码：127032 | 转债简称：苏行转债 | | 苏州银行股份有限公司 关于根据 2024 年中期利润分配方案 调整 A 股可转换公司债券转股价格的公告 本行及董事会全体成员保证公告内容的真实、准确、完整，没有虚假记 载、误导性陈述或重大遗漏。 重要提示： 苏行转债调整前的转股价格：人民币6.39元/股 苏行转债调整后的转股价格：人民币6.19元/股 苏行转债本次转股价格调整实施日期：2024年11月18日 根据苏州银行股份有限公司（以下简称"本行"）2023年度股东大会授 权，2024年10月29日，本行第五届董事会第十八次会议审议通过了本行2024年 中期利润分配方案，向权益分派股权登记日（2024年11月15日）登记在册的普 通股股东每10股派发现金股利2.00元（含税），不送红股，不以资本公积转增 股本。 本行于 2021 年 4 月 12 日发行了面值总额为 50 亿元人民币的 A 股可转换公 司债券，转债简称"苏行转债"，转债代码"127032"。根据《苏州银行 ...

Investment Rating - The report maintains a "Buy" rating for Suzhou Bank, with an updated target price of 8.80 CNY per share [2][5]. Core Views - Suzhou Bank shows steady performance, with a negative revenue growth due to interest margin pressure, but net profit maintains double-digit growth. The bank has increased its efforts in asset quality management and bad debt disposal, resulting in stable asset quality [2][3]. Financial Summary - Revenue for 2023 is projected at 11,866 million CNY, with a slight increase of 0.9% from 2022. The net profit attributable to shareholders is expected to reach 4,601 million CNY, reflecting a growth of 17.4% [4]. - The bank's net interest income is forecasted to decline by 7.6% in 2024, while net profit growth rates are adjusted to 10.4%, 5.7%, and 7.4% for 2024, 2025, and 2026 respectively [3][4]. - The bank's asset quality remains strong, with a non-performing loan (NPL) ratio stable at 0.84% as of Q3 2024, and a provision coverage ratio of 474% [3][4]. Loan and Deposit Growth - Loan growth has slightly slowed to 14.1% year-on-year, while deposits increased by 15.2%. The bank added 51.7 billion CNY in loans and 34.2 billion CNY in deposits in Q3 2024 [3][4]. Asset Quality - The report indicates an increase in bad debt generation, but overall asset quality remains robust. The bank has intensified its efforts in bad debt disposal, with significant write-offs in Q3 2024 [3][4].

Investment Rating - The investment rating for Suzhou Bank is "Buy" (maintained) [1] Core Views - The report highlights that Suzhou Bank's net interest income growth has slowed due to a decline in net interest margin, with a cumulative year-on-year revenue growth rate decreasing by 0.6 percentage points to 0.6% [4][14] - The bank's asset quality remains stable, with a non-performing loan ratio of 0.84% and a slight increase in the annualized net generation rate of non-performing loans to 0.59% [12][14] - The report suggests that the bank's retail strategy continues to deepen, leveraging its position in Suzhou to enhance its customer base [15] Summary by Sections Overview of Q3 Report - The net interest income growth rate has decreased, primarily due to a decline in net interest margin, with cumulative revenue growth at 0.6% [4] - The bank's management expenses have slightly increased, while the cumulative profit before provisions (PPOP) has decreased by 1.2 percentage points to -1.9% [4] Net Interest Income - In Q3, the net interest margin decreased by 15 basis points, leading to a year-on-year decline in net interest income of 6.51%, which is a 3.4 percentage point increase in the decline compared to Q2 [7][14] Asset and Liability Growth and Structure - The bank's loan issuance in Q3 was stable, primarily focused on corporate loans, with a total loan issuance of 5.17 billion [9][11] - Deposits increased by 2.57 billion in Q3, with a year-on-year increase of 5.92 billion [9][11] Asset Quality - The non-performing loan ratio remains stable at 0.84%, with a slight increase in the annualized net generation rate of non-performing loans to 0.59% [12][14] - The provision coverage ratio has decreased to 473.66% [12][14] Other Financial Metrics - Non-interest income grew by 17% year-on-year, with a significant increase in other non-interest income [14] - The cost-to-income ratio has slightly increased, with a cumulative annualized cost-to-income ratio of 35.33% [14] Investment Recommendations - The report suggests maintaining a "Buy" rating, with adjusted revenue and net profit forecasts for 2024E, 2025E, and 2026E [15]

Investment Rating - The report maintains a "Buy" rating for Suzhou Bank (002966.SZ) with a current price of 7.64 yuan [1]. Core Views - Suzhou Bank achieved a revenue of 9.3 billion yuan in the first three quarters of 2024, representing a year-on-year growth of 1.1%, while the net profit attributable to shareholders reached 4.18 billion yuan, up 11% year-on-year [3][4]. - The bank's return on average equity (ROAE) stands at 12.9%, a slight decrease of 0.3 percentage points year-on-year [3]. - The bank's financial performance shows a dual-digit profit growth, with net interest income and non-interest income growth rates of -6.5% and 18.5%, respectively [4]. Revenue and Profitability - Revenue growth remains positive year-on-year, with net profit growth of 11.1% in the first three quarters [4]. - The bank's non-interest income has increased significantly, accounting for 36% of total revenue, with a year-on-year growth of 18.5% [11]. - The net interest margin (NIM) is reported at 1.41%, narrowing by 7 basis points compared to the first half of 2024 [7][10]. Asset and Liability Management - As of the end of Q3 2024, the bank's interest-earning assets and loans grew by 13.8% and 14.1% year-on-year, respectively [5]. - The bank's deposit growth has improved, with a year-on-year increase of 15.2% [6]. - The bank's capital adequacy ratios are robust, with a core Tier 1 capital ratio of 9.41% [13][21]. Credit Quality - The non-performing loan (NPL) ratio remains low at 0.84%, with a stable asset quality [12]. - The bank's provision coverage ratio is at 473.7%, indicating a strong ability to cover potential losses [12][21]. Future Outlook - The bank's net profit growth forecasts for 2024-2026 are maintained at 15.2%, 12.7%, and 10.4%, respectively, with adjusted EPS estimates of 1.41, 1.59, and 1.75 yuan [14]. - The report highlights the potential for capital increase through the conversion of convertible bonds, which could support future growth [13].

Investment Rating - The investment rating for the company is "Strong Buy" (maintained) [2][9][16] Core Views - The company maintains robust profit growth with a revenue increase of 1.1% year-on-year for the first three quarters of 2024, achieving an operating income of 9.29 billion yuan and a net profit attributable to shareholders of 4.18 billion yuan, reflecting an 11.1% year-on-year growth [5][6] - The annualized weighted average ROE stands at 12.9% [5] - The company is actively expanding its scale, with total assets reaching 677.2 billion yuan, a year-on-year growth of 16.1% [7][9] Summary by Sections Financial Performance - For the first three quarters of 2024, the company reported an operating income of 9.29 billion yuan, up 1.1% year-on-year, and a net profit of 4.18 billion yuan, up 11.1% year-on-year [5][6] - The annualized net interest margin (NIM) is 1.41%, down 30 basis points year-on-year [7] - Non-interest income grew by 18.5% year-on-year, with investment-related non-interest income increasing by 41.3% [6][9] Asset Quality - The non-performing loan (NPL) ratio remains stable at 0.84%, with a year-to-date NPL generation rate of 0.56% [9][13] - The provision coverage ratio is at 474%, indicating a strong risk mitigation capacity [9][13] Growth Prospects - The company is expected to continue its growth trajectory, with projected net profits of 5.08 billion yuan, 5.63 billion yuan, and 6.26 billion yuan for 2024, 2025, and 2026, respectively, reflecting growth rates of 10.4%, 10.9%, and 11.2% [9][12] - The company is well-positioned to benefit from the favorable regional environment and ongoing reforms aimed at enhancing efficiency [9][12]