3. 本次增持计划实施期限为自2025年9月8日起至2025年12月31日（含当日） 止。 苏州银行股份有限公司 关于部分董事、监事及高级管理人员 自愿增持公司股份计划的公告 本行部分董事、监事及高级管理人员崔庆军、王强、沈琪、李伟、贝灏明、 薛辉、赵刚、朱敏军、后斌、郑卫、陈洁、马天舒保证向本行提供的信息内容 真实、准确、完整，没有虚假记载、误导性陈述或重大遗漏。 本行及董事会全体成员保证公告内容与信息披露义务人提供的信息一致。 重要内容提示： 证券代码：002966 证券简称：苏州银行 公告编号：2025-074 1. 本行董事长崔庆军先生，执行董事、行长王强先生，监事会主席沈琪先 生，执行董事、副行长李伟先生，副行长贝灏明先生，副行长薛辉先生，执行 董事、副行长赵刚先生，董事会秘书朱敏军先生，风险总监后斌先生，业务总 监郑卫先生，业务总监陈洁女士、行长助理马天舒先生拟通过深圳证券交易所 交易系统集中竞价交易方式，合计增持不少于420万元人民币本行A股股份。 2. 本次增持计划不设价格区间。 4. 本次增持主体增持所需资金来源为自有资金，不存在因所需资金不到位 而导致后续增持无法实施的风险。 近日，苏州银 ...

Investment Rating - The investment rating for the company is "Buy" and is maintained [9]. Core Views - The company's revenue growth for the first half of 2025 is +1.8%, with a net profit growth of +6.2%. The interest income growth has turned positive at +2.7%, driven by stable interest margins and rapid credit expansion. The loan growth compared to the beginning of the year is 9.0%, with significant growth in corporate loans at +19.5% [2][6]. - The net interest margin is reported at 1.33%, which has decreased by 1 basis point from Q1 and by 5 basis points compared to the full year of 2024. The non-performing loan (NPL) ratio remains stable at 0.83%, with a provision coverage ratio of 438%, indicating strong asset quality [2][6]. - The company is focusing on expanding its total assets towards the trillion yuan target, with government-related business driving high growth. The total deposits have increased by 11.0% compared to the beginning of the year [11]. Summary by Sections Revenue and Profitability - Revenue growth for H1 2025 is +1.8%, with Q1 at +0.8% and Q2 at +2.9%. Net profit growth is +6.2%, with Q1 at +6.8% and Q2 at +5.5%. Interest income growth is +2.7%, while non-interest income growth is +0.13% [2][6][11]. - The cost-to-income ratio has decreased by 3.7 percentage points year-on-year, contributing positively to profit before provisions and taxes (PPOP), which has grown by 7.1% [11]. Asset Quality - The NPL ratio is stable at 0.83%, with a provision coverage ratio of 438%, down 9 percentage points from the previous quarter. The NPL generation rate has stabilized and decreased, benefiting from a focus on corporate government-related business [11][12]. - The retail loan NPL ratio has increased slightly to 1.80%, but the overall asset quality remains strong due to the focus on government-related lending [11]. Future Outlook - The company aims to reach a total asset scale of one trillion yuan, with a conservative risk appetite and a focus on maintaining asset quality. The expected dividend yield for 2025 is 4.8%, with a price-to-book (PB) ratio of 0.70x [11][12].

Core Insights - The article emphasizes the importance of cross-border trade in the context of global economic integration, highlighting the challenges posed by exchange rate fluctuations, settlement efficiency, and supply chain coordination [1] Group 1: Exchange Rate Management - Suzhou Bank addresses the "exchange rate anxiety" faced by companies venturing abroad by providing a comprehensive exchange rate risk management system, including forward and swap products tailored to specific business models [2] - A case study illustrates how Suzhou Bank helped an import-export company secure a large commodity order by implementing a risk reversal option strategy, effectively locking in exchange rates and mitigating long-term risks [2] Group 2: Settlement Efficiency - The bank enhances settlement efficiency through technological innovations, enabling rapid fund transfers and automated processing, which are crucial for business expansion [3] - Features such as intelligent remittance paths, OCR invoice recognition, and real-time tracking streamline the cross-border payment process, significantly reducing transaction times and costs [3][4] - The "lightning letter of credit" service allows for same-day issuance of letters of credit, further accelerating the transaction process [3] Group 3: Digital Financial Services - Suzhou Bank's digital cross-border financial services create a "highway" and "moat" for cross-border settlements, facilitating faster and more efficient global business operations [4] - In the first half of 2025, the bank's international settlement volume exceeded $13.6 billion, marking a 30% year-on-year increase, while cross-border RMB settlement volume surpassed 14.5 billion yuan, reflecting a 53% growth [4] Group 4: Global Network Expansion - The bank has established a broad network of over 230 financial institutions across more than 30 countries and regions, enhancing its global reach [5] - Suzhou Bank offers a comprehensive "14+5" service package for enterprises going abroad, covering all aspects of financial services and policy support, thereby strengthening international competitiveness [5]

Group 1 - The core viewpoint of the article emphasizes the importance of cross-border trade and the challenges faced by enterprises, such as exchange rate fluctuations and settlement efficiency, which Suzhou Bank addresses through innovative measures and professional services [2][3][4]. Group 2 - Exchange rate management is crucial for enterprises engaged in cross-border trade, and Suzhou Bank provides tailored hedging services to mitigate risks associated with currency fluctuations [3][4]. - The bank has established a comprehensive exchange rate risk management system, offering products like forward and swap contracts, and conducts in-depth market analysis to support clients [3][4]. - A specific case is highlighted where Suzhou Bank assisted a client in locking in exchange rates for a large commodity order, effectively managing their currency risk [3]. Group 3 - Settlement efficiency is vital for businesses, and Suzhou Bank leverages technology to enhance cross-border payment processes, ensuring rapid and secure transactions [4][5]. - The bank's automated systems streamline the remittance process, reducing costs and improving transaction speed, which is essential for maintaining cash flow in international trade [4][5]. - Innovations such as "lightning letter of credit" services and real-time document tracking significantly reduce processing times for trade finance [4][5]. Group 4 - Suzhou Bank has expanded its international network, establishing relationships with over 230 financial institutions across more than 30 countries, enhancing its global service capabilities [6]. - The bank offers a comprehensive "14+5" service model for enterprises looking to expand internationally, providing financial services and support throughout the overseas business lifecycle [6]. - Collaborations with institutions in Belt and Road Initiative countries strengthen the bank's position in facilitating international market entry for local businesses [6]. Group 5 - The bank's cross-border financial services have shown significant growth, with international settlement volumes exceeding $13.6 billion, a 30% increase year-on-year, and cross-border RMB settlement volumes surpassing 14.5 billion yuan, a 53% increase [5][7]. - Suzhou Bank's performance in the cross-border financial sector has garnered recognition from enterprises and the market, reflecting its professional strength and innovative capabilities [7].

Group 1 - The core point of the article is that Suzhou Bank announced the appointment of an assistant to the president during its board meeting on September 5 [2] Group 2 - The fifth session of the board of directors held its twenty-eighth meeting to review and approve the proposal regarding the appointment [2]

（文章来源：北京商报） 9月5日，苏州银行发布公告，该行9月5日召开的第五届董事会第二十八次会议审议通过了《关于聘任苏 州银行股份有限公司行长助理的议案》，同意聘任马天舒为该行行长助理，其任职资格待国家金融监督 管理总局江苏监管局核准，任期自任职资格核准之日起至该行第五届董事会届满之日止。 公开资料显示，马天舒1970年9月出生，本科学历，现任苏州金融租赁股份有限公司总裁、董事。历任 中国建设银行常熟市支行信用卡部办事员、常熟吴市办事处副主任、东张办事处副主任、东张分理处主 任、电厂分理处主任、常熟支行行长助理、太仓支行副行长、常熟支行副行长、常熟分行副行长，苏州 银行常熟支行行长、公司银行总部房地产事业部总裁、公司银行总部风险授信部风险总监、公司银行总 部风险总监兼风险合规部总经理、公司银行南京区域总裁、南京分行行长、南京分行党委书记，苏州金 融租赁股份有限公司党委书记、总裁、董事。 ...

Group 1 - Suzhou Bank held its 28th meeting of the 5th Board of Directors on September 5, 2025, to discuss the appointment of an assistant president [1] - For the first half of 2025, Suzhou Bank's revenue composition was 82.01% from interest income and 6.1% from non-interest income [1] - As of the report date, Suzhou Bank's market capitalization was 35.9 billion yuan [1] Group 2 - Haidilao is diversifying into various businesses, including hair washing in barbecue restaurants and opening a bakery by West Lake, but its sub-brands have a survival rate of less than 50% [1]

证券代码：002966 证券简称：苏州银行 公告编号：2025-073 苏州银行股份有限公司 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 9 月 2 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二十八次会议的通知，会 议于 2025 年 9 月 5 日在苏州工业园区钟园路 728 号苏州银行大厦现场召开。本 行应出席董事 12 人，实际出席董事 12 人。崔庆军董事长、李伟董事、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、审议通过了关于聘任苏州银行股份有限公司行长助理的议案 同意聘任马天舒先生为本行行长助理，其任职资格待国家金融监督管理总 局江苏监管局核准，任期自任职资格核准之日起至本行第五届董事会届满之日止。 马天舒简历： 马天 ...

证券代码：002966 证券简称：苏州银行 公告编号：2025-073 一、审议通过了关于聘任苏州银行股份有限公司行长助理的议案 同意聘任马天舒先生为本行行长助理，其任职资格待国家金融监督管理总 局江苏监管局核准，任期自任职资格核准之日起至本行第五届董事会届满之日止。 马天舒简历： 马天舒：1970 年 9 月出生，本科学历，现任苏州金融租赁股份有限公司总 裁、董事。历任中国建设银行常熟市支行信用卡部办事员、常熟吴市办事处副主 任、东张办事处副主任、东张分理处主任、电厂分理处主任、常熟支行行长助理、 太仓支行副行长、常熟支行副行长、常熟分行副行长，本行常熟支行行长、公司 银行总部房地产事业部总裁、公司银行总部风险授信部风险总监、公司银行总部 风险总监兼风险合规部总经理、公司银行南京区域总裁、南京分行行长、南京分 行党委书记，苏州金融租赁股份有限公司党委书记、总裁、董事。 苏州银行股份有限公司 第五届董事会第二十八次会议决议公告 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 9 月 2 日以电子邮 件和书 ...

Investment Rating - The report maintains a positive outlook on the banking sector's allocation value, suggesting continued investment interest in the sector [4][10]. Core Viewpoints - The performance of listed banks in the first half of 2025 shows a marginal improvement in revenue and profit margins, with year-on-year growth of 1.0% in revenue and 0.8% in net profit attributable to shareholders [4][5]. - The recovery in the bond market during the second quarter has alleviated some of the pressures on bond investment returns, contributing to the overall performance improvement [4][5]. - The report anticipates that the banking sector's revenue and net profit growth will remain around 1% year-on-year for 2025, despite ongoing pressures on the banking fundamentals [4][10]. Summary by Sections Performance Overview - In the first half of 2025, listed banks experienced a year-on-year revenue growth of 1.0% and a net profit growth of 0.8%, with quarter-on-quarter improvements of 2.8 percentage points and 2 percentage points respectively [4][5]. - The growth in interest-earning assets was 9.7% year-on-year, with a stable credit growth of 8% and a significant increase in financial investments by 14.9% [4][11]. - The net interest margin for the first half of 2025 was 1.33%, showing a year-on-year decline of 13 basis points, which is less than the decline seen in the same period last year [4][5]. Non-Interest Income - Non-interest income showed a positive trend, with a year-on-year increase of 10.8% in other non-interest income and a 3.1% increase in fee income [4][5][10]. - The report highlights that the recovery in the capital market has contributed to the improvement in non-interest income [4][10]. Asset Quality - The report notes that while the non-performing loan ratio remains stable, there is an increase in the generation rate of overdue and non-performing loans, particularly in retail banking [4][10]. - The provision coverage ratio remained stable, with an increase in provisioning efforts during the first half of 2025 [4][10]. Future Outlook - The banking sector is expected to face continued pressure in 2025, but signs of a potential turning point are emerging, with improved net interest margins and non-interest income [4][10]. - The report suggests that the demand for bank stocks will increase from long-term funds, driven by favorable policies encouraging investment in the banking sector [4][10].