| --- | --- | --- | |--------------------|------------------------------------|------------------------------------------------------| | | 特定对象调研 | □分析师会议 | | 投资者关系活动类别 | □□新闻发布会 □路演活动 | 媒体采访 □业绩说明会 | | | □现场参观 | | | | □其他（请文字说明其他活动内容） | | | | | 调研人员：海通证券林加力、董栋梁、徐凝碧，申万宏源 | | | | 郑庆明、林颖颖、冯思远，汇添富吴冠霖，富安达李正伦， | | | | 东证资管王佳骏，人保养老解巍巍，招商信诺崔真荣，中 | | 活动参与人员 | 邮理财万紫荆 | | | | | 上市公司接待人员：副行长兼董事会秘书李伟，董事会办 | | | 公室主任周寅生, | 计划财务部总经理徐峰，风险管理部副 | | | 总经理朱国玉及董事会办公室相关人员 | | | 时间 | 2023 年 6 月 1 日 | | | 地点 | 苏州银行总行 10 | 楼会议室 | ...

苏州银行股份有限公司投资者关系活动记录表 编号：2023-12 | --- | --- | --- | |--------------------|------------------------|------------------------------------------------------------------------------------------------------| | | □特定对象调研 | □分析师会议 | | 投资者关系活动类别 | □□新闻发布会 □路演活动 | 媒体采访 □业绩说明会 | | | □现场参观 | | | | | 其他：苏南上市银行投资者集体交流活动 | | | | 调研人员：东吴证券胡翔，华泰证券沈娟、安娜、贺雅亭， | | | | 易方达基金沐华，汇添富基金吴冠霖，工银瑞信基金王可 | | | | 心、陶先逸，民生加银基金冯嵩越，中欧基金付陶，太平 | | | | 养老刘一凡，大成基金彭博，鹏华基金陈梦知，南方基金 | | | | 蒋昭鹏，世诚投资邹文俊，上海证券周春欣，元泓投资周 | | | 立恒，方瀛投资 Jason | ，苏州资管万云鹏、刘 ...

苏州银行股份有限公司投资者关系活动记录表 | --- | --- | --- | |--------------------|------------------------------------|----------------------------------------------------| | | | 编号：2023-11 | | | □特定对象调研 | □分析师会议 | | 投资者关系活动类别 | □媒体采访 □新闻发布会 □路演活动 | 业绩说明会 | | | □现场参观 | | | | □其他（请文字说明其他活动内容） | | | | | 调研人员：通过网络互动参与本次业绩网上说明会的各类 | | | 投资者 | | | 活动参与人员 | | 上市公司接待人员：董事长崔庆军先生，行长赵琨先生， | | | | 副行长王强先生，副行长兼董事会秘书李伟先生，财务部 | | | 门负责人徐峰先生，独立董事兰奇先生 | | | 时间 | 2023 年 5 月 12 日 | | | 地点 | 全景网"投资者关系互动平台"（ | https://ir.p5w.net） | | 形式 | 视频直播和网 ...

| --- | --- | --- | |--------------------|------------------------------------|------------------------------------------------------------------------------------------------------| | | | 编号：2023-10 | | | 特定对象调研 | □分析师会议 | | 投资者关系活动类别 | □□新闻发布会 □路演活动 | 媒体采访 □业绩说明会 | | | □现场参观 | | | | □其他（请文字说明其他活动内容） | | | | | 调研人员：招商证券廖志明、邵春雨、戴甜甜，汇丰前海 | | | | 证券孙怡，长城证券邹恒超、林宛慧、李相龙，山西证券 | | | | 王德坤，东兴证券林瑾璐、田馨宇，中国人寿养老保险路 | | | 滢超、严铖、肖海、李晓露，泰国银行 | Orada Rutchanon | | | 鹏扬基金谷永涛，中欧基金陈巍， | Neuberger Berman Alan | | | Tsang | ，泰康 ...

| 证券代码：002966 | 证券简称：苏州银行 | 公告编号：2023-026 | | --- | --- | --- | | 转债代码：127032 | 转债简称：苏行转债 | | 苏州银行股份有限公司 关于举行 2022 年度业绩网上说明会的公告 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。 苏州银行股份有限公司（以下简称"本行"）已于 2023 年 4 月 25 日披露了 本行 2022 年年度报告，相关内容详见巨潮资讯网（http://www.cninfo.com.cn）。 为使广大投资者能够进一步了解本行 2022 年度的经营情况，本行定于 2023 年 5 月 12 日（星期五）15:00-16:30 在全景网举办 2022 年度业绩网上说明会（以 下简称"说明会"）。本次说明会将采用视频直播和网络互动方式，投资者可登陆 "全景路演"（http://rs.p5w.net/）参与。 出席本次说明会的人员有：董事长崔庆军先生、行长赵琨先生、副行长王强 先生、副行长兼董事会秘书李伟先生、财务部门负责人徐峰先生、独立董事兰奇 先生。 为充分尊重投资者，提 ...

Financial Performance - Operating revenue for Q1 2023 reached RMB 3,158,456 thousand, an increase of 5.26% compared to RMB 3,000,602 thousand in the same period last year[4] - Net profit attributable to shareholders of the parent company was RMB 1,296,078 thousand, reflecting a growth of 20.84% from RMB 1,072,523 thousand year-on-year[4] - Basic earnings per share for Q1 2023 were RMB 0.32, an increase of 10.34% from RMB 0.29 in the same period last year[4] - The net profit for the period was RMB 1.351 billion, representing a year-on-year increase of RMB 0.243 billion or 21.91%[20] - The total comprehensive income for Q1 2023 was RMB 1,575,172,805, compared to RMB 1,131,946,600 in Q1 2022, reflecting a significant increase of approximately 39.2%[32] Assets and Liabilities - Total assets as of March 31, 2023, were RMB 554,986,226 thousand, representing a 5.80% increase from RMB 524,548,689 thousand at the end of the previous year[4] - Total liabilities increased by 5.99% to RMB 513,063,020 thousand from RMB 484,086,673 thousand year-on-year[4] - The total assets as of March 31, 2023, amounted to RMB 554,986,226,105, an increase from RMB 524,548,689,036 as of December 31, 2022, showing a growth of about 5.8%[29] - The total liabilities as of March 31, 2023, were RMB 513,063,019,844, compared to RMB 484,086,673,129 at the end of 2022, reflecting an increase of approximately 6.0%[29] Cash Flow - Net cash flow from operating activities amounted to RMB 21,775,522 thousand, up 39.01% from RMB 15,664,517 thousand in the previous year[4] - The net cash inflow from operating activities for Q1 2023 was CNY 21.78 billion, an increase from CNY 15.66 billion in Q1 2022, reflecting a growth of about 38.9%[34] - The net cash outflow from financing activities for Q1 2023 was CNY 14.09 billion, compared to a net inflow of CNY 5.81 billion in Q1 2022, showing a significant change in cash flow dynamics[34] Deposits and Loans - Customer deposits grew by 11.41% to RMB 360,490,469 thousand from RMB 323,584,999 thousand year-on-year[7] - The net increase in deposits for the first quarter of 2023 was CNY 36.76 billion, compared to CNY 24.05 billion in the same period of 2022, representing a growth of approximately 53.1%[33] - Loans and advances issued reached RMB 257,085,343 thousand, a rise of 7.34% compared to RMB 239,501,279 thousand at the end of last year[7] - The net increase in loans and advances for Q1 2023 was CNY 18.08 billion, slightly higher than CNY 17.01 billion in Q1 2022, reflecting a growth of about 6.3%[33] Investment and Income - The bank's investment income for Q1 2023 was RMB 258,243,160, down from RMB 371,541,616 in Q1 2022, representing a decline of about 30.5%[31] - The bank's total other income rose by 144.41% to RMB 32,964,000, mainly due to an increase in government subsidies[21] - The bank's credit impairment losses improved by 30.46%, reducing to RMB -509,300,000, indicating a decrease in credit impairment losses on loans and advances[21] Ratios and Coverage - The weighted average return on equity rose to 3.26%, up 0.03 percentage points from 3.23% in the previous year[4] - The capital adequacy ratio stood at 12.69% as of March 31, 2023, compared to 12.92% at the end of 2022[13] - The liquidity coverage ratio was reported at 170.72%, indicating a strong liquidity position[15] - The provision coverage ratio was 519.66%, down 11.15 percentage points from the beginning of the year[20] - The core tier one capital adequacy ratio was 9.49% as of March 31, 2023[20] Shareholder Information - The total number of ordinary shareholders reached 61,890 as of the end of the reporting period[22] - The top ten shareholders collectively hold significant stakes, with Suzhou International Development Group holding 9.00% of shares[22]

Financial Performance - Total assets reached RMB 524.55 billion, an increase of 15.79% compared to the beginning of the year[6]. - Operating income amounted to RMB 11.763 billion, reflecting an 8.62% growth year-on-year[6]. - Net profit attributable to shareholders was RMB 3.918 billion, up 26.13% from the previous year[6]. - The total loan balance reached CNY 250.634 billion, an increase of 17.51% year-on-year[9]. - The total deposit balance was CNY 316.348 billion, growing by 16.57% compared to the previous year[9]. - The return on equity (ROE) increased to 11.52% in 2022, up by 1.56 percentage points from 9.96% in 2021[20]. - Basic earnings per share (EPS) for 2022 was RMB 1.07, a rise of 25.88% compared to RMB 0.85 in 2021[20]. - The stock price increased by over 30% in 2022, outperforming the China Securities Bank Index[8]. - The net profit for 2022 reached RMB 4,116,698 thousand, reflecting a growth of 25.23% from RMB 3,287,290 thousand in the previous year[20]. - The group achieved operating income of RMB 11.763 billion, an increase of RMB 0.934 billion, with a growth rate of 8.62% year-on-year[42]. Asset Quality and Risk Management - Non-performing loan ratio decreased to 0.88%, while the provision coverage ratio improved to 530.81%[6]. - The non-performing loan ratio decreased to 0.88%, down by 0.23 percentage points[9]. - The provision coverage ratio improved to 530.81%, an increase of 107.90 percentage points[9]. - The total amount of loans issued was 250,633,641 thousand RMB, with a total non-performing loan amount of 2,205,576 thousand RMB, resulting in an overall NPL ratio of 0.88%[122]. - The group’s loan loss provisions increased by RMB 1.69 billion to RMB 11.71 billion as of December 31, 2022, reflecting ongoing efforts to manage credit risk[130]. - The group has maintained a low concentration of loans, with the largest single borrower accounting for only 0.42% of total loans[128]. - The group’s provisions for impairment losses on loans were RMB 1.57 billion for loans measured at fair value, reflecting a proactive approach to credit risk management[130]. Digital Transformation and Innovation - The company is focusing on digital economy transformation, enhancing customer experience and operational efficiency[6]. - The bank's digital transformation efforts have led to enhanced user experience and operational efficiency through automated processes and online services, particularly in inclusive finance and supply chain finance[162]. - The bank's digital transformation strategy has entered a new phase, enhancing business automation and intelligence through various financial technology measures[173]. - The bank is actively pursuing the development of a digital RMB ecosystem and advancing pilot projects related to digital currency[180]. - The company aims to enhance customer acquisition and digital capabilities, focusing on integrated financial services and regional economic development[178]. Customer and Market Engagement - The company served over 8,000 technology innovation enterprises, with credit support exceeding RMB 22 billion[6]. - The bank's cooperation with over 8,000 technology innovation enterprises resulted in a financing balance of nearly CNY 30 billion, with the number of new clients and amounts for the "Science Loan Pass" ranking first among financial institutions in Suzhou[163]. - The balance of inclusive small and micro enterprise loans reached CNY 52.73 billion, an increase of CNY 9.40 billion, representing a growth rate of 21.69%[164]. - The bank's retail banking business has seen a steady improvement in profitability and digital transformation, focusing on customer needs and integrating online and offline marketing strategies[165]. - The cumulative activation of the medical insurance electronic certificate reached 371,000, driving 108,200 registrations for Suzhou Bank's mobile banking[166]. Governance and Compliance - The bank's governance structure is based on the "three meetings and one layer" model, ensuring clear responsibilities and effective checks and balances among the shareholders' meeting, board of directors, supervisory board, and senior management[186]. - The bank's governance practices align with the regulatory requirements set by the China Securities Regulatory Commission, with no significant discrepancies reported[186]. - The company is focused on enhancing its governance structure with independent directors actively participating in decision-making[191]. - The bank's meetings included discussions on livelihood finance, indicating a commitment to social responsibility and community support[185]. Future Outlook and Strategic Initiatives - The bank plans to expand its market presence by opening 10 new branches in 2023, targeting a 25% increase in customer base[200]. - Future guidance indicates a projected revenue growth of 12-15% for 2023, driven by new product launches and market expansion efforts[200]. - The strategic plan for 2021-2023 emphasizes five strategic high points, including customer experience and data-driven transformation[178]. - The bank is prioritizing digital transformation and innovation to drive high-quality development in 2023[181]. - The company plans to expand its network and service coverage, particularly in key industries and projects, to support regional economic growth[179].