Group 1 - Suzhou Bank has successfully issued the "Suzhou Bank Co., Ltd. 2025 First Phase Technology Innovation Bond" with a total issuance scale of RMB 2 billion and a fixed interest rate of 1.89% [1] - The bond issuance was completed on September 10, 2025, with payment finalized on September 12, 2025 [1] Group 2 - Since May 2025, the issuance volume of technology innovation bonds has rapidly increased, surpassing RMB 1 trillion, with the banking sector accounting for over RMB 220 billion [3] - Small and medium-sized banks, including city commercial banks and rural commercial banks, have contributed to more than half of the technology innovation bond issuance, becoming significant market participants [3] - Issuing technology innovation bonds provides banks with multiple direct and indirect benefits, including broadening financing channels and offering a new choice beyond traditional financing methods [3] - Technology innovation bonds have a notable interest rate advantage, with issuance costs approximately 5 basis points lower than similar ordinary bonds, leading to potential profit enhancement for banks [3] - Successfully issuing technology innovation bonds signals strong operational stability and good credit quality, enhancing the bank's market position and brand recognition [3]

本期债券于2025年9月10日簿记完成，并于2025年9月12日缴款完毕，发行规模为人民币20亿元，品种为 5年期固定利率债券，票面利率1.89%。 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《金融"五篇大文章"总体统计制度（试 行）》中规定的科创领域，包括发放科技贷款、投资科技创新企业发行的债券等，专项支持科技创新领 域业务。 特此公告。 证券代码：002966 证券简称：苏州银行 公告编号：2025-075 苏州银行股份有限公司 关于2025年第一期科技创新债券发行完毕的公告 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。 经中国人民银行批准，苏州银行股份有限公司近日在全国银行间债券市场成功发行"苏州银行股份有限 公司2025年第一期科技创新债券"（以下简称"本期债券"）。 苏州银行股份有限公司 董事会 2025年9月15日 ...

Group 1 - The core point of the article is that Suzhou Bank has successfully issued its first phase of technology innovation bonds for 2025, approved by the People's Bank of China [2] - The bond issuance was completed on September 10, 2025, with payment finalized on September 12, 2025 [2] - The total issuance scale of the bonds is 2 billion RMB, with a fixed interest rate of 1.89% for a maturity period of 5 years [2]

Core Viewpoint - Suzhou Bank has successfully issued the "Suzhou Bank Co., Ltd. 2025 First Phase Technology Innovation Bond" with a total issuance size of RMB 2 billion, aimed at supporting technology innovation sectors [1] Group 1: Bond Issuance Details - The bond was completed on September 10, 2025, and payment was finalized on September 12, 2025 [1] - The bond has a fixed interest rate of 1.89% and a maturity period of 5 years [1] Group 2: Fund Utilization - The raised funds will be used in accordance with applicable laws and regulatory approvals, specifically for technology-related projects as outlined in the "Five Major Articles of Finance" [1] - The funds will support activities such as issuing loans for technology and investing in bonds issued by technology innovation enterprises [1]

Core Viewpoint - Recent months have seen a surge in share buybacks by major shareholders and executives of listed banks, reflecting confidence in the banks' future prospects and long-term investment value [2][12]. Group 1: Share Buybacks - Multiple listed banks, including Huaxia Bank, Suzhou Bank, Nanjing Bank, and Everbright Bank, have announced significant share buybacks by shareholders and executives since September [2]. - Everbright Bank's major shareholder, Everbright Group, plans to increase its stake by investing between 50 million and 100 million yuan, with a reported increase of 13.97 million shares, representing 0.02% of the total share capital [3]. - Nanjing Bank's major shareholder, Zijin Investment Group, increased its stake by 5.68 million shares, raising its total holding from 12.56% to 13.02% [5][7]. - Huaxia Bank reported that its executives completed a share buyback plan, acquiring 4.23 million shares for 31.90 million yuan, exceeding the original plan [8]. - Suzhou Bank's executives, including the chairman and president, plan to buy at least 4.2 million yuan worth of shares, funded by their own resources [10]. Group 2: Financial Performance - In the first half of the year, 42 listed banks reported a combined revenue of approximately 2.92 trillion yuan and a net profit of over 1.1 trillion yuan, with more than 60% of institutions achieving growth in both revenue and profit [2][15]. - The banking sector has shown resilience, with significant growth in wealth management and other light capital businesses, supporting the buyback actions by shareholders and management [2][13]. - The banking sector has become one of the best-performing sectors in the A-share market, with the China Securities Bank Index rising by 15.6% [15]. - The majority of listed banks have increased their mid-term dividends, enhancing investor confidence and creating a positive cycle of performance recovery, increased dividends, and rising stock prices [15].

Group 1: Deposit Costs and Capital Management - The average deposit interest rate for the first half of the year was 1.80%, an improvement of 29 basis points compared to the previous year [1] - As of mid-year, the core Tier 1 capital adequacy ratio was 9.87%, the Tier 1 capital adequacy ratio was 11.67%, and the total capital adequacy ratio was 14.57%, all meeting regulatory requirements [1] - The successful conversion of nearly 5 billion RMB in convertible bonds has strengthened the group's capital base [1] Group 2: Dividend Policy - The bank has maintained a cash dividend payout ratio of over 30% in recent years [2] - The 2024 annual general meeting has authorized the board to develop a mid-term dividend plan, aiming to provide shareholders with stable and reasonable returns [2] Group 3: Investor Communication - The communication with investors was conducted in accordance with relevant regulations, with no disclosure of undisclosed significant information [2]

Core Viewpoint - Suzhou Bank has successfully issued the "Suzhou Bank Co., Ltd. 2025 First Phase Technology Innovation Bond" in the national interbank bond market, approved by the People's Bank of China, indicating a strong commitment to supporting technological innovation through financial instruments [1] Group 1: Bond Issuance Details - The bond issuance was completed on a specific date in 2025, with the payment finalized on the same month [1] - The total issuance scale is in the range of several billion RMB, reflecting significant financial backing for innovation [1] - The bond has a fixed interest rate of 1.89%, which is competitive in the current market [1] Group 2: Fund Utilization - The raised funds will be allocated according to relevant laws and regulatory approvals, specifically targeting the technology innovation sector [1] - The funds will be used for purposes outlined in the "Overall Statistical System for Financial 'Five Major Articles' (Trial)," including issuing technology loans and investing in technology innovation enterprise bonds [1] - This initiative is aimed at providing specialized support for technological innovation activities [1]

证券代码：002966 证券简称：苏州银行 公告编号：2025-075 苏州银行股份有限公司 关于 2025 年第一期科技创新债券发行完毕的公告 本期债券于 2025 年 9 月 10 日簿记完成，并于 2025 年 9 月 12 日缴款完毕， 发行规模为人民币 20 亿元，品种为 5 年期固定利率债券，票面利率 1.89%。 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《金融"五篇 大文章"总体统计制度（试行）》中规定的科创领域，包括发放科技贷款、投资 科技创新企业发行的债券等，专项支持科技创新领域业务。 特此公告。 苏州银行股份有限公司董事会 2025 年 9 月 15 日 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。 经中国人民银行批准，苏州银行股份有限公司近日在全国银行间债券市场成 功发行"苏州银行股份有限公司 2025 年第一期科技创新债券"（以下简称"本期 债券"）。 ...

Market Overview - On September 15, the city commercial bank sector declined by 0.85% compared to the previous trading day, with Xi'an Bank leading the decline [1] - The Shanghai Composite Index closed at 3860.5, down 0.26%, while the Shenzhen Component Index closed at 13005.77, up 0.63% [1] Individual Bank Performance - Zhengzhou Bank closed at 2.07, up 0.98% with a trading volume of 1.38 million shares and a transaction value of 286 million yuan [1] - Xi'an Bank closed at 4.19, down 1.87% with a trading volume of 438,000 shares and a transaction value of 184 million yuan [2] - The highest decline was observed in Chengdu Bank, which closed at 18.07, down 0.93% [1] Capital Flow Analysis - The city commercial bank sector experienced a net outflow of 797 million yuan from institutional investors, while retail investors saw a net inflow of 348 million yuan [2] - The main capital inflow and outflow for individual banks varied, with Hangzhou Bank seeing a net inflow of 61.64 million yuan from institutional investors [3] - Conversely, Suzhou Bank experienced a net outflow of 11.76 million yuan from institutional investors [3]

Core Viewpoint - Suzhou Bank's stock has experienced a decline in recent trading sessions, with a current price of 8.06 CNY per share and a market capitalization of 36.034 billion CNY, indicating a challenging market environment for the bank [1]. Group 1: Stock Performance - As of September 15, Suzhou Bank's stock price decreased by 2.07% during the trading session [1]. - Year-to-date, the stock has increased by 1.90%, but it has seen declines of 0.98% over the last five trading days, 4.39% over the last twenty days, and 7.04% over the last sixty days [1]. Group 2: Financial Metrics - For the first half of 2025, Suzhou Bank reported a net profit of 3.134 billion CNY, reflecting a year-on-year growth of 6.15% [1]. - The bank has distributed a total of 6.687 billion CNY in dividends since its A-share listing, with 4.287 billion CNY distributed over the past three years [2]. Group 3: Shareholder Information - As of July 31, the number of shareholders for Suzhou Bank reached 60,300, an increase of 3.64% from the previous period [1]. - The average number of circulating shares per shareholder is 72,836, which has decreased by 3.51% compared to the previous period [1]. - As of June 30, 2025, Hong Kong Central Clearing Limited is the sixth-largest circulating shareholder, holding 119 million shares, a decrease of 17.3596 million shares from the previous period [2].