苏州银行股份有限公司2025年第二次临时股东会会议材料 苏州银行股份有限公司 2025 年第二次临时股东会会议材料 （股票代码：002966） 苏州银行股份有限公司2025年第二次临时股东会会议材料 召开地点：苏州工业园区钟园路 728 号苏州银行大厦 4 楼会议室 召开方式：现场会议+网络投票 召集人：公司董事会 一、主持人宣布会议开始； 二、宣读股东会会议须知； 三、审议各项议案，听取相关报告； 四、股东发言或提问； 五、报告现场出席会议的股东及股东代理人人数及其代表的有表 决权股份数量； 六、推选本次会议计票人、监票人； 会议议程 召开时间：2025 年 11 月 17 日（星期一）下午 15:30 七、投票表决； 八、与会代表休息（工作人员统计投票结果）； 九、宣布现场表决结果； 十、见证律师宣读法律意见书； 十一、宣布会议结束。 苏州银行股份有限公司2025年第二次临时股东会会议材料 会议须知 为维护全体股东的合法权益，确保本行股东会顺利进行，根据《中 华人民共和国公司法》《上市公司股东会规则》及本行章程等规定， 特制订本须知： 一、为保证股东会的严肃性和正常秩序，除出席会议的股东（含 股东代理人） ...

证券代码：002966 证券简称：苏州银行 公告编号：2025-080 苏州银行股份有限公司 第五届监事会第十六次会议决议公告 本行及监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 10 月 17 日以电子邮 件和书面方式向全体监事发出关于召开第五届监事会第十六次会议的通知，会议 于 2025 年 10 月 29 日在苏州银行苏州分行（苏州市吴中区太湖西路 99 号）现场 召开，本行应出席监事 8 人，实际出席监事 8 人，其中监事王斌以视频方式参会。 会议由监事会主席沈琪主持，总行相关部门负责人列席会议。本次会议召开符合 《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： 本议案同意票 8 票，反对票 0 票，弃权票 0 票。 三、审议通过了关于苏州银行股份有限公司与董事、监事、高级管理人员 及其相关关联方关联交易的议案 监事对本人、本人近亲属、本人或本人近亲属直接或者间接控制的企业，以 及与本人有其他关联关系的关联方有关的关联交易回避表决，有表决权的监事一 致同意本议 ...

证券代码：002966 证券简称：苏州银行 公告编号：2025-079 苏州银行股份有限公司 第五届董事会第二十九次会议决议公告 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（以下简称"本行"）于 2025 年 10 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二十九次会议的通知， 会议于 2025 年 10 月 29 日在苏州银行苏州分行（苏州市吴中区太湖西路 99 号） 现场召开。本行应出席董事 12 人，实际出席董事 12 人。其中委托出席 2 人，钱 晓红董事委托张统董事表决，刘晓春董事委托范从来董事表决，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，部分高级管理人员及 相关部门负责人等列席会议。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： 一、审议通过了关于修订《苏州银行股份有限公司章程》的议案 本议案需提交股东会审议，并经监管机构批准后生效。具体内容详见本行 另行披露的股东会会议材料。 本议案同意票 12 票，反对票 ...

本行及董事会全体成员保证信息披露的内容真实、准确、完整，没有虚假 记载、误导性陈述或重大遗漏。 一、审议程序 1. 苏州银行股份有限公司（以下简称"本行"）于 2025 年 10 月 29 日召开 第五届董事会第二十九次会议，审议通过了《关于苏州银行股份有限公司 2025 年中期利润分配方案的议案》。 2. 根据本行 2024 年度股东会授权，本次利润分配方案不需提交股东会审议。 证券代码：002966 证券简称：苏州银行 公告编号：2025-082 苏州银行股份有限公司 2025 年中期利润分配方案公告 根据安永华明会计师事务所（特殊普通合伙）审定的 2024 年度财务报表， 截至 2024 年 12 月 31 日，本行母公司经审计的未分配利润为 1,411,703.69 万元。 2025 年上半年，本行母公司实现净利润 304,155.60 万元（未经审计），本行合 并报表中归属于母公司股东净利润为 313,436.20 万元（未经审计），扣除 2025 年上半年发放的无固定期限资本债券利息合计 23,310.00 万元后，合并报表中归 属于母公司普通股股东净利润为 290,126.20 万元（未经审计） ...

Financial Performance - Operating income for Q3 2025 reached RMB 2,973,541, an increase of 2.49% compared to the same period last year[5] - Net profit attributable to shareholders for Q3 2025 was RMB 1,342,724, reflecting a growth of 9.45% year-on-year[5] - The net profit for the first nine months of 2025 was RMB 4.652 billion, representing a year-on-year increase of RMB 322 million or 7.43%[27] - Net interest income rose to ¥6.51 billion, an increase from ¥5.98 billion, marking a growth of approximately 8.8% year-over-year[42] - The total comprehensive income attributable to shareholders was ¥3.19 billion, down from ¥4.38 billion, a decrease of approximately 27.2%[43] Assets and Liabilities - Total assets as of September 30, 2025, amounted to RMB 776,039,980, representing an increase of 11.87% from the end of the previous year[6] - The total liabilities increased to RMB 714.62 billion, an increase of RMB 76.16 billion or 11.93% compared to the beginning of the year[27] - The bank's net asset attributable to shareholders was RMB 59,153,099, up 11.80% compared to the end of last year[6] - The total amount of loans and advances issued is RMB 356.22 billion, reflecting growth compared to the previous period[38] - The total cash and cash equivalents at the end of the period reached CNY 18.95 billion, up from CNY 11.91 billion year-over-year[47] Loans and Deposits - The loan and advance amount reached RMB 356,224,443, marking an increase of 11.15% from the previous year-end[9] - Total deposits increased to RMB 482,422,584, a rise of 12.87% compared to the end of last year[9] - The net increase in customer deposits was ¥53.82 billion, slightly down from ¥54.17 billion in the previous year[45] Capital Adequacy and Asset Quality - The core tier 1 capital adequacy ratio stood at 9.79%, slightly up from 9.38% at the end of last year[13] - The provision coverage ratio was reported at 420.59%, indicating a stable asset quality[27] - The non-performing loan ratio remained stable at 0.83%, consistent with the previous year's figure[13] - The non-performing loan ratio remained stable at 0.83%, unchanged from the beginning of the year[27] Shareholder Information - Total number of common stock shareholders at the end of the reporting period is 65,120[32] - The largest shareholder, Suzhou International Development Group Co., Ltd., holds 15.20% of shares, totaling 679,614,894 shares[32] - The company plans to increase shareholding by at least RMB 400 million within six months starting from July 1, 2025[34] Cash Flow and Financing Activities - The net cash flow from operating activities was ¥28.07 billion, compared to ¥24.20 billion in the previous year, indicating a growth of approximately 15.5%[46] - The net cash flow from financing activities was CNY 9.90 billion, an increase from CNY 4.45 billion in the previous year[47] - The cash outflow from financing activities totaled CNY 160.14 billion, compared to CNY 154.38 billion in the previous year[47] - The net increase in cash and cash equivalents for the period was CNY 4.10 billion, a significant recovery from a decrease of CNY 773.98 million in the previous year[47] Investments - The company holds a total of RMB 187 billion in the ten largest financial bonds, primarily policy financial bonds[36] - The company’s financial investments include RMB 74.87 billion in debt investments and RMB 129.41 billion in other debt investments[38] - The company’s trading financial assets increased to RMB 86.37 billion from RMB 76.42 billion[38]

Core Insights - Suzhou Bank Co., Ltd. announced the results of its procurement framework for medical green channel and health check services for 2025 on October 27, 2025 [1] Group 1: Company Overview - Suzhou Bank has invested in 8 enterprises and participated in 1,993 bidding projects [1] - The bank holds 148 trademark registrations, 4 patents, and 58 copyright registrations [1] - Additionally, the bank possesses 106 administrative licenses [1] Group 2: Procurement Details - The procurement was awarded to Suzhou Gusu Meizhao Health Check Center Co., Ltd. [2] - The announcement was made in Jiangsu Province [2] - The publication date of the procurement results is October 27, 2025 [2]

Core Viewpoint - The city commercial bank sector experienced a decline of 2.43% on October 29, with Chengdu Bank leading the drop, while the overall stock market indices showed an increase [1][2]. Market Performance - The Shanghai Composite Index closed at 4016.33, up 0.7% - The Shenzhen Component Index closed at 13691.38, up 1.95% [1]. Individual Stock Performance - Chengdu Bank saw a significant decline of 5.74%, closing at 17.07 - Other notable declines included Xiamen Bank (-4.90%), Jiangsu Bank (-3.84%), and Qingdao Bank (-3.66%) [2]. - Chongqing Bank was one of the few gainers, with a slight increase of 0.84%, closing at 10.76 [1]. Trading Volume and Turnover - Chengdu Bank had a trading volume of 1.298 million shares, with a turnover of 22.27 million yuan - Jiangsu Bank had a trading volume of 2.039 million shares, with a turnover of 2.164 billion yuan [2]. Capital Flow Analysis - The city commercial bank sector saw a net outflow of 742 million yuan from institutional investors, while retail investors contributed a net inflow of 410 million yuan [2]. - The data indicates that speculative funds had a net inflow of 331 million yuan [2]. Individual Stock Capital Flow - Qingdao Bank had a net inflow of 61.11 million yuan from institutional investors, while it experienced a net outflow of 59.42 million yuan from speculative funds [3]. - Nanjing Bank also saw a net inflow of 43.97 million yuan from institutional investors, but a net outflow of 34.08 million yuan from speculative funds [3].

Core Insights - Suzhou Bank has achieved significant growth in asset scale, deposits, and loans, with total assets exceeding 750 billion yuan, a year-on-year increase of 8.83% [1] - The bank's revenue reached 6.504 billion yuan, and net profit attributable to shareholders was 3.134 billion yuan, reflecting year-on-year growth of 1.81% and 6.15% respectively [2] - The bank maintains a low non-performing loan ratio of 0.83%, indicating strong asset quality amidst increasing competition in the regional banking sector [5] Financial Performance - Total deposits amounted to 462.752 billion yuan, with a growth of 10.98% year-on-year, while total loans reached 363.497 billion yuan, growing by 9.04% [1] - The cost-to-income ratio improved to 30.51%, down 6.28 percentage points from the end of the previous year, enhancing operational efficiency [2] Strategic Initiatives - Suzhou Bank is leveraging a "dual-engine" strategy focusing on "Science and Technology Innovation + Cross-border" and "People's Livelihood + Wealth Management" to drive high-quality development [3] - The bank has established a comprehensive support system for innovative enterprises, with over 13,000 clients and a total credit amount exceeding 130 billion yuan in the science and technology sector [3] - Cross-border financial services have seen significant growth, with international settlement volume surpassing 13.6 billion USD, a year-on-year increase of 30% [3] Asset Quality and Risk Management - The bank's non-performing loan ratio remains stable at 0.83%, with a provision coverage ratio of 437.91%, indicating robust asset quality [5] - Core Tier 1 capital adequacy ratio stands at 9.87%, with total capital adequacy ratio at 14.57%, positioning the bank among the top tier of listed banks in terms of risk indicators [5] Technological Empowerment - Suzhou Bank has enhanced its risk management capabilities through the optimization of its intelligent risk control system and the implementation of advanced data analytics [6] - The bank is committed to exploring new growth opportunities in financial technology applications, consumer finance services, and cross-border business expansion to adapt to changing market conditions [6]

Investment Rating - The investment rating for the industry is "Positive" (maintained) [1] Core Insights - The report highlights that retail non-performing loan (NPL) rates and generation rates are currently high, indicating ongoing pressure on bank profitability. Despite a low overall NPL rate, the retail sector shows signs of risk, with a marginal increase in the NPL rate to 1.28% [14][15] - The transition period for new risk regulations is nearing its end, with concerns about the impact on banks' provisioning levels. However, the report suggests that the actual impact may be less severe than market expectations [16] - The trend of de-collateralization in bank lending is evident, driven by both business characteristics and strategic choices made by banks to reduce reliance on collateralized loans [17] Summary by Sections 1. Retail NPL and Generation Rates - The retail NPL rate has increased to 1.28%, with a steepening curve indicating ongoing risk. The generation rate for retail loans remains high, with significant increases noted in certain banks [14][18] - The report indicates that while the overall NPL rate is low, the divergence between overdue and NPL indicators suggests underlying risks in the retail sector [19] 2. Impact of New Risk Regulations - The new risk regulations will require banks to classify impaired loans as NPLs, potentially increasing reported NPL rates. However, the report anticipates that the actual provisioning pressure may be manageable [16][17] 3. De-Collateralization in Lending - The report notes a significant decline in the proportion of collateralized loans, with banks shifting towards non-collateralized lending strategies. This shift is influenced by the need to manage risk more effectively [17][18] 4. Investment Recommendations - The report recommends certain state-owned banks due to their customer base advantages and manageable retail risk pressures. It also highlights specific banks such as CITIC Bank and Agricultural Bank of China as beneficiaries of this trend [6]

Core Viewpoint - The A-share listed banks are expected to show overall revenue and net profit growth in the third quarter of 2025, with improvements in asset quality and a narrowing decline in net interest margins [1][2][3]. Group 1: Financial Performance - Huaxia Bank reported operating income of 64.881 billion yuan, a year-on-year decrease of 8.79%, and net profit attributable to shareholders of 17.982 billion yuan, down 2.86%, with a narrowing decline of 5.09 percentage points compared to the first half of the year [1]. - Chongqing Bank achieved operating income of 11.740 billion yuan, a year-on-year increase of 10.40%, and net profit of 5.196 billion yuan, up 10.42% [2]. - Ping An Bank reported operating income of 100.668 billion yuan, a year-on-year decrease of 9.8%, and net profit of 38.339 billion yuan, down 3.5%, with a narrowing decline compared to the first half of the year [2]. Group 2: Market Trends - Ten banks have seen shareholding increases from shareholders and executives this year, indicating a positive outlook for the banking sector amid macroeconomic stabilization and easing monetary policy [3]. - Analysts expect cumulative revenue and net profit for listed banks in the first three quarters of 2025 to grow by 0.4% and 1.1% year-on-year, respectively, driven by a narrowing decline in net interest margins and reduced credit costs [3]. Group 3: Interest Margin Outlook - Zhongtai Securities suggests that the net interest margin for banks may stabilize in the third quarter due to reduced re-pricing pressure on assets and a greater decline in deposit rates compared to the Loan Prime Rate (LPR) [4]. - The projected increase in net interest margin for the third and fourth quarters is 0.7 basis points and 0.3 basis points, respectively, indicating stability in the banking sector [4]. Group 4: Related Stocks - Goldman Sachs reported that the A-shares and H-shares of major banks have recorded absolute returns of 12% and 21% year-to-date, driven by improvements in asset quality and narrowing declines in net interest margins [5]. - Ping An Insurance increased its stake in Postal Savings Bank, acquiring 6.416 million shares at an average price of 5.3638 HKD per share [6].