Financial Performance - Operating income for Q1 2024 was RMB 3,225,009 thousand, an increase of 2.11% compared to RMB 3,158,456 thousand in the same period last year[4] - Net profit attributable to shareholders of the parent company reached RMB 1,455,407 thousand, up 12.29% from RMB 1,296,078 thousand year-on-year[4] - The company's net profit for the reporting period was RMB 1.505 billion, representing a year-on-year growth of RMB 0.154 billion or 11.39%[19] - Net profit for Q1 2024 was RMB 1,505,266,025, up 11.4% from RMB 1,351,315,982 in Q1 2023[33] - The total comprehensive income for Q1 2024 was RMB 1,659,740,562, compared to RMB 1,575,172,805 in Q1 2023, indicating an increase of 5.4%[33] - The diluted earnings per share for the period was RMB 0.31, an increase of 10.71% from RMB 0.28 in the same period last year[4] - Earnings per share increased to RMB 0.37 from RMB 0.32, reflecting a growth of 15.6% year-over-year[34] Assets and Liabilities - Total assets as of March 31, 2024, were RMB 648,200,508 thousand, reflecting a growth of 7.70% from RMB 601,841,456 thousand at the end of the previous year[4] - Total liabilities increased by 8.09% to RMB 598,988,609 thousand from RMB 554,175,310 thousand year-on-year[4] - The total assets of Suzhou Bank as of March 31, 2024, reached RMB 648.20 billion, an increase from RMB 601.84 billion at the end of 2023[30] - The bank's total liabilities as of March 31, 2024, were RMB 590.73 billion, compared to RMB 550.00 billion at the end of 2023[30] - The company's total liabilities increased by RMB 44.813 billion or 8.09% to RMB 598.989 billion[19] Cash Flow - Net cash flow from operating activities decreased by 15.10% to RMB 18,488,338 thousand from RMB 21,775,522 thousand in the previous year[4] - Net cash flow from operating activities for Q1 2024 was ¥18,488,337,616, compared to ¥21,775,522,244 in Q1 2023, reflecting a decrease of approximately 15.5%[36] - Cash inflow from financing activities totaled ¥32,191,488,070, down from ¥45,783,079,830 in Q1 2023, representing a decline of approximately 29.7%[36] - The ending balance of cash and cash equivalents increased to ¥18,748,974,397 from ¥11,375,601,579, marking a rise of approximately 64.8%[36] - The net increase in cash and cash equivalents for the period was ¥6,061,181,221, compared to a decrease of ¥(3,604,186,978) in the previous year[36] Loans and Deposits - Loans and advances issued amounted to RMB 309,254,747 thousand, a rise of 10.00% compared to RMB 281,137,536 thousand at the end of 2023[7] - Customer deposits reached RMB 419,547,877 thousand, marking a 12.65% increase from RMB 372,431,608 thousand at the end of the previous year[7] - The total loans increased by RMB 28.478 billion or 9.71% compared to the beginning of the year, reaching RMB 321.879 billion[19] - The net increase in customer deposits was RMB 47,263,191,000, compared to RMB 36,758,046,993 in the same period last year[35] Risk Management - The non-performing loan ratio remained stable at 0.84% as of March 31, 2024, consistent with the previous year[11] - The non-performing loan ratio remained stable at 0.84%, with a provision coverage ratio of 491.66%[19] - The bank's non-performing loan ratio remains stable, reflecting effective risk management strategies[26] - The company reported a provision for loan losses of RMB 13.093 billion at the end of the reporting period, an increase of RMB 0.394 billion from the beginning of the year[17] Capital Adequacy - The core tier 1 capital adequacy ratio was reported at 9.39%, above the regulatory requirement of 7.5%[11] - The core tier one capital adequacy ratio stood at 9.39% as of March 31, 2024, slightly up from 9.38% at the end of 2023[13] Shareholder Information - The total number of common shareholders at the end of the reporting period is 56,564, with the largest shareholder, Suzhou International Development Group, holding 11.82% of shares[22] - The top ten shareholders hold a total of 1,066,000,000 shares, representing a significant portion of the company's equity[24] - The shareholder Suzhou Haijing Information Technology Group holds 36,293,800 shares, all of which are judicially frozen, representing 0.99% of the total share capital[26]

苏州银行股份有限公司董事会审计委员会 对会计师事务所2023 年度履行监督职责情况 报告 根据《中华人民共和国公司法》《中华人民共和国证券法》《上 市公司治理准则》《国有企业、上市公司选聘会计师事务所管理办法》 《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》和本行章程等规定和要求，苏州银行股份有限公司（以下 简称"本行"）董事会审计委员会认真履行对会计师事务所的监督职 责，审议相关议案，积极指导有关工作并提出建议，切实有效地履行 了审查监督职能，充分发挥了协助董事会履行职责的重要作用。董事 会审计委员会对会计师事务所履行监督职责情况如下： （二）2023 年 8 月 25 日，本行召开第五届董事会审计委员会 2023 年第二次会议，会上听取了《苏州银行股份有限公司 2023 年 6 月 30 日止半年度财务报表审阅情况》，普华永道就 2023 年中期审阅工作 总结、2023 年度审计工作的审计范围、重要时间节点、人员安排、 审计重点等相关事项进行汇报，董事会审计委员会委员对于会计师事 务所的工作进行指导，并提出了相关建议。 （三）2023 年 11 月 24 日，本行召开第五届董事 ...

2023 年度财务报表及审计报告 苏州银行股份有限公司 the state 苏州银行股份有限公司 2023 年度财务报表及审计报告 | 内容 | 页码 | | --- | --- | | 审计报告 | 1 - 8 | | 2023 年度财务报表 | | | 合并及银行资产负债表 | 1 - 2 | | 合并及银行利润表 | 3 - 4 | | 合并及银行现金流量表 | 5 - 6 | | 合并股东权益变动表 | 7 - 8 | | 银行股东权益变动表 | 9 - 10 | | 财务报表附注 | 11 - 146 | | 补充资料 | 1 - 2 | 普华永道 审计报告 普华永道中天审字(2024)第 10030 号 (第一页,共八页) 苏州银行股份有限公司全体股东: 审计意见 我们审计的内容 (一) 我们审计了苏州银行股份有限公司(以下简称"苏州银行")的财务报表,包括 2023年 12 月 31 日的合并及银行资产负债表,2023年度的合并及银行利润表、合并 及银行现金流量表、合并及银行股东权益变动表以及财务报表附注。 (二) 我们的意见 我们认为,后附的财务报表在所有重大方面按照企业会计准则的规定编制,公 ...

苏州银行股份有限公司 2023 年度内部控制审计报告 t and the first for 普华永道 内部控制审计报告 普华永道中天特审字(2024)第 4094 号 (第一页,共二页) 苏州银行股份有限公司全体股东: 按照《企业内部控制审计指引》及中国注册会计师执业准则的相关要求,我们审 计了苏州银行股份有限公司(以下简称"苏州银行")2023年 12 月 31 日的财务 报告内部控制的有效性。 企业对内部控制的责任 if 按照《企业内部控制基本规范》、《企业内部控制应用指引》、《企业内部控制评价 指引》的规定,建立健全和有效实施内部控制,并评价其有效性是苏州银行董事 会的责任。 1 í 注册会计师的责任 我们的责任是在实施审计工作的基础上,对财务报告内部控制的有效性发表审计 意见,并对注意到的非财务报告内部控制的重大缺陷进行披露。 三、 内部控制的固有局限性 内部控制具有固有局限性,存在不能防止和发现错报的可能性。此外,由于情况 的变化可能导致内部控制变得不恰当,或对控制政策和程序遵循的程度降低,根 据内部控制审计结果推测未来内部控制的有效性具有一定风险。 普华永道中天会计师事务所(特殊普通合伙) 中国 ...

苏州银行股份有限公司 2023 年度 独立董事述职报告 （兰奇） 本人兰奇，作为苏州银行股份有限公司（以下简称"苏州银行"） 独立董事，根据《上市公司独立董事管理办法》《银行保险机构公司 治理准则》以及苏州银行章程、独立董事工作制度等相关规定，现将 2023年度履行独立董事职责情况报告如下： 一、基本情况 （一）工作履历、专业背景以及兼职情况 本人兰奇，1956年6月出生，硕士研究生学历，高级经济师，现 任上海通联金融服务有限公司监事会主席、本行独立董事。历任中国 人民银行江西省分行金融管理处副处长，中国人民银行江西省萍乡市 分行副行长，招商银行总行发展研究部副总经理、证券部副总经理， 招银证券公司副总经理，招商银行总行人事部、发展研究部、商人银 行部总经理，招银国际金融有限公司总经理及总行办公室主任，招商 银行董事会秘书兼董事会办公室主任，通联支付网络服务股份有限公 司执行总裁等职。 本人自2020年4月起担任苏州银行独立董事，符合相关法律法规、 监管规章关于上市公司和商业银行独立董事任职资格条件的规定，已 由深圳证券交易所备案审查，并获得银行业监督管理机构任职资格核 准。 （二）不存在影响独立性的情况 本 ...

苏州银行股份有限公司 2023 年度 独立董事述职报告 （范从来） 本人范从来，作为苏州银行股份有限公司（以下简称"苏州银 行"）独立董事，根据《上市公司独立董事管理办法》《银行保险机 构公司治理准则》以及苏州银行章程、独立董事工作制度等相关规定， 现将2023年度履行独立董事职责情况报告如下： 一、基本情况 （一）工作履历、专业背景以及兼职情况 本人范从来，1962年9月出生，博士研究生学历，教育部长江学 者特聘教授，现任教育部人文社会科学重点研究基地南京大学长江三 角洲经济社会发展研究中心主任、本行独立董事。历任南京大学经济 系主任、商学院副院长、党委书记、学科处处长、经济学院院长、商 学院常务副院长、校长助理等职。 本人自2020年4月起担任苏州银行独立董事，符合相关法律法规、 监管规章关于上市公司和商业银行独立董事任职资格条件的规定，已 由深圳证券交易所备案审查，并获得银行业监督管理机构任职资格核 准。 （二）不存在影响独立性的情况 本人对独立性情况进行了自查，确认已满足适用的各项监管规定 中对于出任苏州银行独立董事所应具备的独立性要求，并将自查情况 提交董事会。董事会对本人的独立性情况进行了评估，未 ...

（刘晓春） 苏州银行股份有限公司 2023 年度 独立董事述职报告 本人刘晓春，作为苏州银行股份有限公司（以下简称"苏州银 行"）独立董事，根据《上市公司独立董事管理办法》《银行保险机 构公司治理准则》以及苏州银行章程、独立董事工作制度等相关规定， 现将2023年度履行独立董事职责情况报告如下： 一、基本情况 （一）工作履历、专业背景以及兼职情况 本人刘晓春，1959年3月出生，本科学历，高级经济师，现任上 海新金融研究院副院长、上海交通大学中国研究院副院长、本行独立 董事。历任中国农业银行浙江省分行国际业务部信贷科科长、信贷部 经理、营业部副总经理、国际业务部总经理，中国农业银行总行国际 业务部副总经理、香港分行副总经理、浙江省分行党委委员、副行长、 香港分行总经理，浙商银行党委副书记、副董事长、行长等职。 本人自2020年4月起担任苏州银行独立董事，符合相关法律法规、 监管规章关于上市公司和商业银行独立董事任职资格条件的规定，已 由深圳证券交易所备案审查，并获得银行业监督管理机构任职资格核 准。 （二）不存在影响独立性的情况 本人对独立性情况进行了自查，确认已满足适用的各项监管规定 中对于出任苏州银行独立 ...

苏州银行股份有限公司 2023 年度 独立董事述职报告 （李志青） 本人李志青，作为苏州银行股份有限公司（以下简称"苏州银 行"）独立董事，根据《上市公司独立董事管理办法》《银行保险机 构公司治理准则》以及苏州银行章程、独立董事工作制度等相关规定， 现将2023年度履行独立董事职责情况报告如下： 一、基本情况 （一）工作履历、专业背景以及兼职情况 本人李志青，1975年11月出生，博士研究生学历，副教授，现任 复旦大学经济学院党委副书记兼纪委书记，复旦大学环境经济研究中 心常务副主任、绿色金融研究中心执行主任，本行独立董事。历任复 旦大学经济学院讲师、环境经济研究中心常务副主任、上海论坛组委 会办公室主任、经济学系党支部宣传委员、上海自贸区综合研究院副 秘书长、经济学院专业学位研究生教育办公室主任、经济学院副教授、 硕士生导师等职。 本人自2023年7月起担任苏州银行独立董事，符合相关法律法规、 监管规章关于上市公司和商业银行独立董事任职资格条件的规定，已 由深圳证券交易所备案审查，并获得银行业监督管理机构任职资格核 准。 （二）不存在影响独立性的情况 本人对独立性情况进行了自查，确认已满足适用的各项监管规定 ...

| 证券代码：002966 | 证券简称：苏州银行 公告编号：2024-018 | | --- | --- | | 转债代码：127032 | 转债简称：苏行转债 | 苏州银行股份有限公司 第五届监事会第八次会议决议公告 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 2024 年 4 月 15 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八次会议的通知，会议于 2024 年 4 月 25 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 出席监事 9 人，实际出席监事 8 人，委托出席监事 1 人，监事孟卫元委托监事潘 奕君表决。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： 一、审议通过了苏州银行股份有限公司 2023 年年度报告及摘要 监事会认为，本行董事会编制苏州银行股份有限公司 2023 年年度报告及摘 要的程序符合法律、行政法规和中国证监会的规定，报告内容真实、准 ...

Financial Performance - Total assets of Bank of Suzhou exceeded RMB 600 billion, with total deposits and loans surpassing RMB 360 billion and RMB 290 billion respectively, indicating steady business growth[16]. - Total assets of Suzhou Bank reached CNY 601.84 billion, marking a significant milestone[25]. - Total deposits increased to CNY 363.82 billion, a growth of 15.01% compared to the previous year[25]. - Total loans outstanding rose to CNY 293.40 billion, reflecting a 17.06% increase year-over-year[25]. - Annual operating income was CNY 11.87 billion, representing a year-on-year growth of 0.88%[25]. - Net profit attributable to shareholders reached CNY 4.60 billion, with a year-on-year increase of 17.41%[25]. - The total operating income for 2023 was CNY 11,866,120, an increase of 0.88% compared to CNY 11,762,956 in 2022[46]. - Net profit for 2023 reached CNY 4,797,129, reflecting a growth of 16.53% from CNY 4,116,698 in 2022[46]. - The net cash flow from operating activities surged to CNY 16,465,464, a significant increase of 2735.25% compared to CNY 580,741 in 2022[46]. - The group achieved a net profit of CNY 4.80 billion in 2023, an increase of CNY 680.43 million, with a growth rate of 16.53% year-on-year[78]. Asset Quality - Non-performing loan ratio stood at 0.84%, with a provision coverage ratio of 522.77%, maintaining asset quality within the top tier of listed banks[16]. - Non-performing loan ratio decreased to 0.84%, down by 0.04 percentage points from the end of the previous year[25]. - The bank's provision coverage ratio stood at 522.77%, indicating strong risk mitigation capabilities[25]. - The non-performing loan (NPL) balance reached CNY 2.46 billion, with a non-performing loan ratio of 0.84%, a decrease of 0.04 percentage points from the beginning of the year[79]. - The total provision for loan losses is RMB 12.87 billion, an increase of RMB 1.16 billion from the previous year, with RMB 12.70 billion allocated for loans measured at amortized cost[193]. Strategic Initiatives - The bank has established 10 innovation laboratories in collaboration with local technology companies, enhancing its financial technology capabilities[18]. - The bank's financial services ecosystem for technology innovation has supported over 10,000 technology enterprises[18]. - The new three-year strategic plan emphasizes integrated operations and aims to enhance customer satisfaction and operational efficiency[28]. - The company aims to enhance its integrated financial services and digital collaboration capabilities, focusing on customer satisfaction and high-quality development[39][41]. Community Engagement - The bank has transformed 87 branches into service points for local government services, enhancing community engagement[19]. - The bank's "Su Xin Life" service supermarket covers various aspects of daily life, reflecting its commitment to customer-centric services[19]. - Over 6,000 enterprises received free digital office system support, promoting the integration of finance and technology[18]. Capital and Funding - A cash dividend of RMB 3.9 per 10 shares (including tax) is proposed for shareholders, with no bonus shares or capital increase from reserves planned for 2023[3]. - The group issued perpetual bonds worth CNY 3 billion in May 2023 and successfully issued CNY 4 billion in subordinated debt in December 2023[80]. - The group’s capital adequacy ratio was 14.03%, meeting regulatory requirements and internal capital management goals[80]. Loan Portfolio - The total amount of loans and advances issued reached CNY 281,137,536 thousand, representing a year-on-year increase of 17.38%[57]. - Corporate loans reached CNY 196.00 billion, up CNY 35.87 billion or 22.40% year-over-year, with a focus on manufacturing and green finance[130]. - Personal loans totaled CNY 97.40 billion, increasing by CNY 6.90 billion or 7.62%, driven by growth in personal business and consumption loans[131]. - The total overdue loans amounted to CNY 2.12 billion, with an overdue loan ratio of 0.72%, an increase of 0.04 percentage points from the previous year[180]. Income and Expenses - The total interest income for the year 2023 was RMB 20.32 billion, an increase of RMB 1.39 billion or 7.36% compared to 2022[93]. - The net interest income for 2023 was CNY 8.48 billion, an increase of CNY 141.97 million, reflecting a growth of 1.70% year-on-year[85]. - Total interest expenses rose to RMB 11.83 billion, an increase of RMB 1.25 billion or 11.82% compared to 2022, mainly due to growth in deposits and interbank borrowings[100]. - Non-interest income totaled 3.38 billion RMB, a slight decrease of 1.13% from 3.42 billion RMB in 2022[108]. Risk Management - The company continues to enhance its digital risk monitoring and management capabilities to improve asset quality[182]. - The company has strengthened its management of non-performing loans, leading to a decrease in NPL ratios across various sectors[182]. - The company reported a total of RMB 1.70 billion in provisions for loans measured at fair value, reflecting a proactive approach to risk management[194].