苏州银行股份有限公司 2024 年度 独立董事述职报告 （刘晓春） 本人刘晓春，担任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 2024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，高级经济师，现任上海新金融研 究院副院长，上海交通大学中国金融研究院副院长。兼任华宝证券股 份有限公司、开泰银行（中国）有限公司、信银理财有限责任公司独 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 经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、年度履职情况 （一）出席董事会及股东大会情 ...

Financial Performance - Revenue growth was recorded at 3.01%, while net profit attributable to shareholders increased by 10.16%[14]. - The company's total revenue for 2024 was 12,223,786, an increase of 3.01% compared to 11,866,120 in 2023[44]. - Operating profit rose to 6,389,536, reflecting an 11.30% increase from 5,740,637 in the previous year[44]. - Net profit reached 5,272,956, marking a 9.92% increase from 4,797,129 in 2023[44]. - The bank's operating income for 2024 was RMB 12.224 billion, an increase of RMB 357.666 million, or 3.01% year-over-year[78]. - The net interest income for 2024 was RMB 7.905 billion, a decrease of RMB 577.783 million, or 6.81% from the previous year, accounting for 64.67% of total operating income[81]. - The group's interest income for the reporting period was 20.809 billion RMB, an increase of 491.8 million RMB or 2.42% compared to the same period last year[89]. - The net cash inflow from operating activities for 2024 was CNY 10.97 billion, a decrease of CNY 5.50 billion compared to 2023[163]. Asset and Liability Growth - Total assets reached CNY 693.71 billion, an increase of 15.27% year-over-year[25]. - The total liabilities of the company reached CNY 638.46 billion, an increase of CNY 84.28 billion or 15.21% year-over-year[142]. - The company's total deposits amounted to CNY 427.40 billion, an increase of CNY 54.97 billion, with a growth rate of 14.76% year-over-year[146]. - The company's total loans and advances amounted to RMB 333,358,541 thousand, with a non-performing loan (NPL) ratio of 0.83%, a slight decrease from the previous year's 0.84%[176][181]. - The total amount of loans and advances as of December 31, 2024, reached CNY 333.36 billion, an increase of CNY 39.96 billion or 13.62% compared to the previous year[125]. Risk Management and Loan Quality - The non-performing loan ratio stood at 0.83%, with a provision coverage ratio of 483.50%[14]. - The bank has implemented a comprehensive risk management system to strengthen risk prevention and control[17]. - The company is enhancing digital risk monitoring and management to improve asset quality amid changing macroeconomic conditions[182]. - The company maintained a stable loan quality with a slight decrease in the non-performing loan ratio compared to the previous year[173]. - The provision for loan losses increased to RMB 13.32 billion, up by RMB 500 million from the previous year[192]. Digital Transformation and Innovation - The bank is accelerating its digital transformation and expanding its online and offline service platforms[16]. - The bank launched a digital transformation initiative called "228 Action," advancing 71 transformation projects[26]. - The bank's digital transformation efforts included the launch of a new international settlement system and upgrades to its mobile banking app[70]. Strategic Focus and Market Position - The bank's ranking among the world's top 1000 banks improved to 253rd place, and it ranked 10th among city commercial banks in the "Gyro" evaluation by the China Banking Association[14]. - The company aims to enhance its core capabilities in areas such as collaboration, resource allocation, and technological innovation to drive sustainable growth[28]. - The company is actively pursuing a strategic direction aligned with regional economic development, particularly in the Yangtze River Delta[40]. - The company emphasizes a customer-centric integrated operation strategy, focusing on technology finance, green finance, and digital finance[37]. Dividend and Shareholder Returns - The bank's cash dividend distribution plan for 2024 proposes a total cash dividend of 1.647 billion RMB, accounting for 32.50% of the net profit attributable to shareholders[3]. - Shareholder equity grew by 15.92% to 55,255,762 compared to 47,666,146 in the previous year[44].

Financial Performance - Operating income for Q1 2025 was CNY 3,249,637,000, a 0.76% increase compared to CNY 3,225,009,000 in the same period last year[8] - Net profit attributable to shareholders of the parent company reached CNY 1,554,339,000, reflecting a 6.80% increase from CNY 1,455,407,000 year-on-year[8] - The net profit for the period was RMB 1.61 billion, representing a year-on-year increase of RMB 0.10 billion or 6.95%[27] - The net profit for Q1 2025 reached CNY 1,609,880,265, an increase from CNY 1,505,266,025 in Q1 2024, representing a growth of approximately 6.5%[43] - Total operating income for Q1 2025 was CNY 3,249,636,546, slightly up from CNY 3,225,008,986 in Q1 2024, indicating a growth of about 0.8%[43] Assets and Liabilities - Total assets increased by 4.82% to CNY 727,154,171,000 from CNY 693,714,073,000 at the end of the previous year[8] - The company's total assets reached RMB 727.15 billion, an increase of RMB 33.44 billion or 4.82% compared to the beginning of the year[27] - The total liabilities rose by 4.48% to CNY 667,035,870,000 compared to CNY 638,458,311,000 at the end of last year[8] - The total liabilities amounted to RMB 667.04 billion, rising by RMB 28.58 billion or 4.48% year-to-date[27] - The total loans increased to RMB 362.89 billion, reflecting a growth of RMB 29.53 billion or 8.86%[27] Cash Flow - Net cash flow from operating activities decreased by 41.25% to CNY 10,862,634,000 from CNY 18,488,338,000 in the previous year[8] - The net cash flow from operating activities for Q1 2025 was CNY 10,862,634,280, down from CNY 18,488,337,616 in Q1 2024, indicating a decline of about 41.5%[48] - The total cash and cash equivalents at the end of Q1 2025 amounted to CNY 16,054,982,105, down from CNY 18,748,974,397 at the end of Q1 2024, reflecting a decrease of approximately 9.0%[48] - The investment activities generated a net cash flow of CNY 7,446,736,970 in Q1 2025, contrasting with a net cash outflow of CNY 6,672,679,866 in Q1 2024[48] Loan and Deposit Growth - Loans and advances issued increased by 9.18% to CNY 349,915,483,000 from CNY 320,502,301,000 at the end of last year[12] - Deposits absorbed grew by 10.72% to CNY 473,211,289,000 from CNY 427,396,838,000 at the end of last year[12] - The net increase in customer deposits was CNY 46,061,960,273 in Q1 2025, compared to CNY 47,263,191,000 in Q1 2024, showing a decrease of approximately 2.6%[47] Asset Quality and Capital Ratios - The non-performing loan ratio remained stable at 0.83%, unchanged from the previous quarter[14] - The non-performing loan ratio remained stable at 0.83%, with a provision coverage ratio of 447.20%[27] - The core tier one capital adequacy ratio was reported at 9.80%, slightly up from 9.77% at the end of last year[14] - The company's core Tier 1 capital adequacy ratio stood at 9.80%, with a total capital adequacy ratio of 14.54%[27] Other Financial Metrics - The cost-to-income ratio improved to 30.76%, down from 36.79% in the previous quarter[14] - The liquidity coverage ratio was reported at 145.69%, indicating strong liquidity management[21] - The basic earnings per share for Q1 2025 was CNY 0.34, compared to CNY 0.37 in Q1 2024, showing a decrease of about 8.1%[44] - The total comprehensive income for Q1 2025 was CNY 839,190,836, a decrease from CNY 1,659,740,562 in Q1 2024, representing a decline of approximately 49.6%[44] Shareholder Information - The number of ordinary shareholders at the end of the reporting period was 62,069[31] - The controlling shareholder, Suzhou International Development Group, plans to increase its stake in the bank by at least RMB 300 million within six months starting January 14, 2025[34] - As of March 2025, 11 million shares held by a shareholder were judicially frozen, accounting for 0.25% of the bank's total share capital, but this has not adversely affected the bank's operations[35] - The bank's total equity and capital structure remain stable despite the changes in shareholder stakes and judicial actions[35]

苏州银行（002966）公告，2025年一季度营业收入32.5亿元，同比增长0.76%；净利润15.54亿元，同比 增长6.80%。 ...

加快养老金融数字化转型。苏州银行加强养老金融业务科技赋能，探索运用人工智能、大数据等技术， 提升数字化经营服务能力，丰富服务场景。一是优化线上服务。苏州银行打造手机银行康养颐享版，优 化操作，融入银发课堂、康养园地、预约挂号等服务，提供养老金到账个性化提示功能；自助设备新增 适老界面，上线大字版功能；开通96067"银龄通"尊老服务热线，提供银发客户专享一键呼入坐席、一 键查询养老金、自动预约回电、苏州方言服务等特色服务，助力老年客群跨越数字鸿沟。二是打造数字 化养老服务生态。苏州银行充分发挥民生服务场景优势，联通"苏医慧""苏食慧""苏工惠"等场景，向医 院、菜场等生活场景延伸便捷适老服务。如联动苏州大学附属医院、市立医院等机构推出"苏医慧"服 务，嵌入手机银行预约挂号、慢病管理等功能，累计使用量超7000万人次。 加强养老产业融资支持。苏州银行坚持为不同性质的养老企业提供金融解决方案，对接政府机构、企 业、医疗机构，开拓养老产业金融发展新模式。一是为国有养老企业提供金融支持。加强与国企养老企 业战略合作，在资产保值升值、银行融资、代发工资、社保卡、支付结算、渠道资源等方面提供全方位 服务；积极支持国资企业 ...

苏州银行在知识产权金融领域不懈耕耘。6单知识产权资产证券化、8地市首单数据知识产权质押、近 700家知识产权质押登记企业，"知易融"系列产品正如春日繁花，结出累累硕果，收获行业无数赞誉。 在科创金融的赛道上，凭借全国首单"流片贷"和生物医药License-Out收益权融资，勇夺苏州工业园 区"科技金融创新奖"、"金融开放创新奖"，彰显出在前沿领域探索的无畏勇气。 在数字浪潮奔涌与科技兴国号角齐鸣的时代，知识产权正褪去"无形"的朦胧纱衣，显露出"资本"的璀璨 真容。苏州银行（002966）恰似一位深谙时代脉搏的丹青妙手，以知识产权金融为灵动笔墨，在科创金 融的宣纸上挥毫泼墨，绘就出一幅充满创新张力与发展活力的壮丽画卷。每一笔"全国首单"的突破，每 一抹"行业首创"的亮色，都在诉说着金融赋能科创的动人故事。 破冰之举：解构数据知识产权密码的创新笔触 两年前的盛夏，苏州银行在知识产权金融领域落下惊鸿一笔。自主研发的"苏心科创力"企业评价模型， 如同一把精准的密钥，成功开启全国银行业数据知识产权登记的大门，斩获首张证书。这一模型打破传 统财务数据的桎梏，从科创资质的深厚底蕴、知识产权布局的精妙架构、行业前景的壮阔蓝图 ...

金融界4月22日消息，A股三大指数收盘涨跌不一，中证500价值指数 (500价值，H30352)上涨0.34%，报 8099.47点，成交额307.73亿元。 资料显示，指数样本每半年调整一次，样本调整实施时间分别是每年6月和12月的第二个星期五的下一 交易日。其中，每次样本调整比例一般不超过30%。定期调整设置缓冲区，价值因子得分排名在105名 内的新样本优先进入，排名在195名内的老样本优先保留。权重因子随样本定期调整而调整，调整时间 与指数样本定期调整实施时间相同。在下一个定期调整日前，权重因子一般固定不变。特殊情况下将对 指数进行临时调整。当样本退市时，将其从指数样本中剔除。样本公司发生收购、合并、分拆等情形的 处理，参照计算与维护细则处理。 跟踪500价值的公募基金包括：银华中证500价值ETF。 从指数持仓来看，中证500价值指数十大权重分别为：苏州银行（1.98%）、永泰能源（1.71%）、东吴 证券（1.71%）、云天化（1.59%）、长沙银行（1.47%）、浙江龙盛（1.47%）、西部矿业（1.45%）、 太阳纸业（1.36%）、梅花生物（1.22%）、常熟银行（1.21%）。 从中证500 ...

登录新浪财经APP 搜索【信披】查看更多考评等级 证券代码：002966 证券简称：苏州银行 公告编号：2025-046 苏州银行股份有限公司 关于大股东增持公司股份计划实施进展的公告 苏州国际发展集团有限公司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： 1. 苏州银行股份有限公司（以下简称"本行"）大股东苏州国际发展集团有限公司（以下简称"国发集 团"）计划自2025年1月14日起6个月内，通过深圳证券交易所交易系统以集中竞价交易或购买可转债转 股的方式，合计增持不少于3亿元人民币，具体内容详见本行2025年1月9日披露于巨潮资讯网 （www.cninfo.com.cn）的《关于大股东增持公司股份计划的公告》（公告编号：2025-003）。 2. 2025年1月14日至2025年4月14日，国发集团以自有资金通过深圳证券交易所交易系统以集中竞价交易 和可转债转股的方式累计增持本行股份8,572.4636万股，占本行最新总股本的1.9175%，增持资金合计 56,728.5946万元，国发集团 ...

苏州国际发展集团有限公司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： 1. 苏州银行股份有限公司（以下简称"本行"）大股东苏州国际发展集团 有限公司（以下简称"国发集团"）计划自 2025 年 1 月 14 日起 6 个月内，通 过深圳证券交易所交易系统以集中竞价交易或购买可转债转股的方式，合计增 持不少于 3 亿元人民币，具体内容详见本行 2025 年 1 月 9 日披露于巨潮资讯网 （www.cninfo.com.cn）的《关于大股东增持公司股份计划的公告》（公告编号： 2025-003）。 2. 2025 年 1 月 14 日至 2025 年 4 月 14 日，国发集团以自有资金通过深圳证 券交易所交易系统以集中竞价交易和可转债转股的方式累计增持本行股份 8,572.4636 万股，占本行最新总股本的 1.9175%，增持资金合计 56,728.5946 万 元，国发集团将继续按照增持计划增持本行股份。 本行于 2025 年 4 月 14 日收到本行大股东国发集团《增持股份计划实施进展 ...

二是估值核算方面，针对个别所托管基金估值对账不一致的情况，苏州银行未及时处理并向基金管理人 提示反馈。 三是内部控制方面，苏州银行内控稽核部同时承担投资监督和稽核管理职责；公司资产托管系统个别产 品基本信息录入有误。 江苏证监局表示，上述行为违反了《证券投资基金托管业务管理办法》第八条、第十四条、第十九条、 第二十六条的规定。依据《证券投资基金托管业务管理办法》第四十条的规定，决定对苏州银行采取出 具警示函的行政监督管理措施。苏州银行应对上述问题进行整改，并于收到该决定之日起30天内向江苏 证监局提交书面整改报告。 4月11日，江苏证监局发布公告称，在对苏州银行（002966）的基金托管业务现场检查中，发现该行在 人员管理、估值核算、内部控制方面存在问题，并决定对苏州银行采取出具警示函的行政监督管理措 施。 基金托管业务存在多项问题 江苏证监局表示，在对苏州银行的基金托管业务现场检查中，发现该行存在以下问题。 一是人员管理方面，苏州银行个别核心业务岗位人员不具备2年托管业务从业经验。 净利润增逾10%拨备覆盖率下降 苏州银行2024年度业绩快报显示，2024年度，该行实现营业收入122.23亿元，较上年同期增 ...