苏州银行（002966）公告，公司大股东苏州国际发展集团有限公司计划自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。 2025年1月14日至2025年6月26日，国发集团以自有资金累计增持公司股份1.18亿股，占公司最新总股本 的2.6333%，增持资金合计8.56亿元。本次增持计划实施完毕后，国发集团直接持有公司股份6.55亿 股，占公司最新总股本的14.6453%。 ...

证券代码：002966 证券简称：苏州银行 公告编号：2025-060 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完毕的公告 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 6 月 26 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 11,772.4636 万股，占本行最新总股本的 2.6333%，增持资金合计 85,628.510 ...

Group 1 - Suzhou Bank plans to acquire the equity of other shareholders in Dongwu Village Bank, further strengthening its provincial layout [1][2] - The acquisition was approved unanimously during the fifth board meeting held on June 20, which also included a proposal for restructuring the financial market sector [2] - As of the end of 2024, Suzhou Bank had four Dongwu-affiliated village banks in Jiangsu province, indicating a strategic expansion in the region [2] Group 2 - Suzhou Bank, established in September 2010 with a registered capital of 3.667 billion, is the only listed city commercial bank headquartered in Suzhou [2] - By the end of Q1 2025, Suzhou Bank's total assets reached 727.154 billion, a 4.8% increase year-on-year, with a net profit of 1.554 billion, up 6.8% [2] - The ongoing reform and risk mitigation efforts in village banks have led to several banks, including Beijing Bank and Jiangsu Bank, acquiring stakes in village banks [3]

一、审议通过了关于金融市场板块职能及架构调整的方案的议案 本议案同意票 12 票，反对票 0 票，弃权票 0 票。 证券代码：002966 证券简称：苏州银行 公告编号：2025-059 苏州银行股份有限公司 第五届董事会第二十五次会议决议公告 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 6 月 17 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二十五次会议的通知，会 议于 2025 年 6 月 20 日采用书面传签表决的方式召开。本行应出席董事 12 人， 实际出席 12 人。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。审议通过了以下议案： 二、审议通过了关于苏州银行收购东吴村镇银行其他股东之股权的议案 本议案同意票 12 票，反对票 0 票，弃权票 0 票。 特此公告。 苏州银行股份有限公司董事会 2025 年 6 月 23 日 ...

Core Viewpoint - The banking industry is facing pressure on net interest margins, leading to an increase in service fees to cover operational costs and improve service quality [1][7]. Group 1: Service Fee Adjustments - Multiple banks have announced new or increased service fees, including account management fees, transfer fees, and credit card annual fees [1][2]. - Suzhou Bank introduced a new service fee for its "Zunxing Card" with an annual fee of 588 yuan for the platinum card, effective from September 10, 2025 [2]. - Uihai Bank will charge for credit business and syndicate loan services starting June 13, 2025, with fees for personal deposit certificates set at 20 yuan per certificate and credit certificates at 200 yuan each [4]. - Several rural commercial banks have also raised service fees, such as the adjustment of ATM withdrawal fees from free to 3.3 yuan per transaction by Lujiang Rural Commercial Bank [4][6]. Group 2: Net Interest Margin Pressure - The overall net interest margin for commercial banks was reported at 1.43% in Q1 2025, a decrease of 9 basis points from the previous quarter [8]. - Different types of banks experienced varying changes in net interest margins, with rural commercial banks seeing the largest decline of 15 basis points to 1.58% [8]. - The adjustments in service fees are seen as a response to the pressures from market competition and rising operational costs, including technology investments and risk management [7][8]. Group 3: Future Strategies - The adjustments in service fees are expected to become a regular strategy for banks as they seek to balance supporting the real economy with their profitability needs [7][8]. - Banks are likely to focus on optimizing business structures, enhancing service efficiency, and leveraging financial technology to manage costs while supporting small and medium enterprises [8].

Core Viewpoint - Recent adjustments in service fees by multiple banks have sparked widespread market attention, with changes affecting various services such as credit verification, annual fees for bank cards, ATM cross-bank withdrawals, and cross-border wealth management [1][10]. Fee Adjustments - Uuhai Bank announced that starting June 13, it will charge for credit verification and syndicate loan services, with personal deposit verification costing 20 yuan per piece and corporate credit verification costing 200 yuan per piece [1][3]. - Suzhou Bank will introduce a new service fee for its "Zunxing Card," with the gold card exempt from annual fees and the platinum card costing 588 yuan per card per year, effective from September 10, 2025 [4][6]. - Lujian Rural Commercial Bank will change its ATM cross-bank withdrawal fee from free to 3.3 yuan per transaction starting September 1, with social security cards exempting the first two transactions each month [7]. - Bank of China will adjust several service fees related to credit card settlements starting June 10, 2025, including a new fee structure based on a percentage of the withdrawal amount [8]. Industry Trends - Many banks are adjusting service fees to enhance service quality, strengthen risk management, and cover operational costs, as traditional interest income is narrowing [10]. - The first quarter performance report indicates that among the six major state-owned banks, only Postal Savings Bank and Bank of China saw a year-on-year increase in net income from fees and commissions, while others experienced declines [10]. - There is speculation about a potential "fee war" among banks, with compliance emphasized as each fee adjustment requires regulatory approval and public notice [11]. Consumer Impact - Changes in fee structures directly affect consumer interests, with many consumers considering fees as a significant factor when choosing banking services [12][13]. - Experts suggest that banks need to improve communication with customers regarding the rationale behind fees and the value of services to balance profitability and customer satisfaction [14].

Group 1 - The core viewpoint of the articles highlights that banks are facing increasing pressure on net interest margins due to declining market interest rates, prompting them to seek new revenue channels through the introduction of service fees [1][15][16] - Recently, Wuhai Bank announced that it will start charging fees for credit services and syndicated loan services effective June 13, 2025, as part of its strategy to enhance revenue [3][5] - Other banks, such as Suzhou Bank, have also introduced new service fees, including an annual fee for their credit card services, indicating a broader trend among banks to adjust their fee structures in response to revenue pressures [8][11] Group 2 - Wuhai Bank's new fee structure includes charges for personal deposit certificates at 20 yuan per certificate and corporate credit certificates at 200 yuan per certificate, with exemptions for small and micro enterprises [6][5] - The bank's syndicated loan services will have various fees, including arrangement fees, commitment fees, and agency fees, all charged according to agreements with corporate clients [6][4] - Suzhou Bank has introduced an annual fee of 588 yuan for its platinum credit card and has also adjusted fees for third-party cooperation services related to credit cards, effective from September 2025 [8][10] Group 3 - The overall banking sector is experiencing a decline in revenue growth, with major state-owned banks reporting varying degrees of revenue decline in the first quarter of the year, highlighting the need for banks to diversify income sources [17][18] - The net interest margin for commercial banks has narrowed to 1.43% in the first quarter, a decrease of 9 basis points from the previous quarter, further emphasizing the urgency for banks to enhance non-interest income through service fees [18][19] - Analysts suggest that the introduction of new service fees can be an effective means for banks to increase their intermediary business income and improve overall revenue performance [18]

Core Viewpoint - Recent announcements from multiple banks regarding the addition or adjustment of various service fees have sparked widespread market attention, indicating a shift in the banking sector's revenue strategies in response to ongoing pressure on net interest margins [1][4]. Service Fee Adjustments - Suzhou Bank announced a new service fee for its "Respect Card" with an annual fee of 588 yuan for platinum cards, effective from September 10, 2025 [2]. - Uihai Bank will start charging for credit business and syndicate loan services, with personal deposit certificate fees set at 20 yuan per copy and credit certificate fees at 200 yuan per copy [2]. - Other local banks, such as Qingyang Rural Commercial Bank and Lujiang Rural Commercial Bank, have also announced fee adjustments, including a new ATM withdrawal fee of 3.3 yuan per transaction for debit cards starting September 1 [2]. - China Bank will adjust its credit card settlement service fees starting June 10, 2025, with changes to transaction fees based on a percentage of the withdrawal amount [2]. Reasons for Fee Adjustments - The recent adjustments in service fees are attributed to the banks' need to respond to the earlier "fee reduction and benefit" policies, which expanded the range of free services [3]. - Banks are increasingly focusing on non-interest income to counteract the pressure on net interest margins, leading to the introduction of new service fees within regulatory compliance [3][4]. Exploring New Revenue Paths - Banks are actively seeking new revenue channels through the addition of service fees, which can help optimize their income structure and enhance sustainability in serving the real economy [4]. - The adjustments in service fees necessitate improved communication with customers to explain the rationale behind the fees and the value of services provided, balancing profitability with customer satisfaction [4]. Diversification of Revenue Sources - In addition to new service fees, banks are encouraged to explore diversified revenue paths through business expansion and product innovation [5]. - Strategies include moving beyond traditional lending models to offer comprehensive financial services and developing specialized credit products aligned with emerging industries and societal trends [5].

Core Viewpoint - Suzhou Bank has recently reported overdue bills, raising concerns about its financial management and operational efficiency [1][2]. Group 1: Overdue Bills and Financial Data - Suzhou Bank has an overdue bill balance of 500,000 yuan, with a cumulative overdue amount of 3,091,356.75 yuan as of June 1, 2025 [1][2]. - The total acceptance amount for Suzhou Bank is approximately 39.95 billion yuan, with an acceptance balance of about 49.06 billion yuan [2]. - The bank has not issued any announcements regarding the settlement of these overdue bills, which is unusual for a financial institution [3]. Group 2: Company Background and Performance - Suzhou Bank was established as Jiangsu Dongwu Rural Commercial Bank and rebranded in September 2010, transitioning from a rural commercial bank to an urban commercial bank [3]. - The bank was listed on the Shenzhen Stock Exchange in August 2019 and has expanded its operations significantly within Jiangsu province and the Yangtze River Delta region [3]. - In 2024, Suzhou Bank reported revenue of 12.22 billion yuan, a year-on-year increase of 3.01%, and a net profit attributable to shareholders of 5.07 billion yuan, up 10.16% [3]. Group 3: Loan Structure and Profitability - The bank's loan structure shows a significant increase in corporate loans, which grew by 23.21% year-on-year, while individual loans experienced a decline of 5.67% [4]. - The contribution of personal business to total profit has decreased sharply, with total profit from personal loans dropping by 43.93% year-on-year [4]. - As of the reporting period, overdue loans amounted to 3.45 billion yuan, representing 1.04% of total loans, an increase of 0.32 percentage points from the previous year [4].

Investment Rating - The report maintains an "Overweight" rating for the banking sector, indicating a positive outlook for the industry compared to the overall market performance [2]. Core Insights - The report highlights that credit growth remains subdued, with May's new loans totaling 620 billion, a year-on-year decrease of 330 billion. However, the total credit volume from January to May is stable at 10.7 trillion, compared to 11.1 trillion in the same period last year [2][3]. - The report anticipates that the overall credit increment for 2025 will remain stable, projecting a credit growth rate of approximately 7.1% for the year [2]. - The report notes that the demand for retail credit has not shown signs of improvement since the second quarter, with May's household credit increasing by only 54 billion, a year-on-year decrease of 21.7 billion [2]. - Government bond issuance has exceeded 1 trillion, supporting stable social financing growth, while corporate bonds have also seen an increase due to a low-interest-rate environment [2][3]. - The report emphasizes the importance of focusing on regional banks with stable profit growth expectations and suggests specific banks such as Chongqing Bank, Suzhou Bank, and Chengdu Bank for investment [2]. Summary by Sections Credit Growth Analysis - In May, new credit was 620 billion, down 330 billion year-on-year, with total credit from January to May at 10.7 trillion [2]. - The report attributes the subdued credit growth to weak demand, debt replacement, and structural optimization [2]. Corporate Lending Trends - Corporate short-term loans increased by 110 billion, while medium to long-term loans decreased by 170 billion, primarily due to debt replacement affecting infrastructure investment [2]. - The report indicates that the government bond issuance has been robust, contributing to the overall social financing growth [2]. Retail Lending Insights - Retail credit demand remains weak, with May's household credit showing a net increase of only 54 billion, reflecting a cautious attitude from banks towards consumer loans [2]. - The report notes a decline in short-term household loans, indicating a challenging environment for retail lending [2]. Investment Recommendations - The report recommends focusing on banks with stable growth prospects and suggests specific banks for investment, including Agricultural Bank of China and other regional banks [2].