苏州银行股份有限公司 2024 年度 独立董事述职报告 （陈汉文） 1 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，未发现可能影 响本人作为独立董事进行独立客观判断的情形。 本人陈汉文，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 本人陈汉文，1968年1月出生，现任南京审计大学教授、政府审 计学院学术委员会主任，中国大连高级经理学院讲座教授，中国会计 学会英文会刊 China Journal of Accounting Studies（《中国会计评论》， CJAS）联合主编，中国审计学会会刊《审计研究》、中国社科院《财 贸经济》等期刊编委。兼任中国神华能源股份有限公司、申万宏源集 团股份有限公司独立董事，交通银行股份有限公司外部监事。历任厦 门大学学术委员会秘书长、研究生院副院长、管理学院副院长、会计 系主任等，外经济贸易 ...

经核查本行独立董事刘晓春、范从来、兰奇、李志青、陈汉文的 任职经历及其提交的独立董事自查情况报告，本行董事会认为前述人 员符合《上市公司独立董事管理办法》及相关法律法规、规范性文件 中对独立董事独立性的相关要求，不存在可能对其独立客观判断产生 影响的情况。 苏州银行股份有限公司董事会 关于独立董事独立性评估的专项意见 根据《上市公司独立董事管理办法》《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》等法律法规、规范性 文件要求，苏州银行股份有限公司（以下简称"本行"）就本行在任独 立董事的独立性情况进行评估并出具如下专项意见： 本人已严格对照上述自查事项进行自查,并保证上述自 查情况的真实、准确、完整。 附件：苏州银行股份有限公司独立董事独立性自查情况报告 苏州银行股份有限公司董事会 2025 年 4 月 25 日 附件： 壤表说明:请对上述事项进行自查,并在选项"□"中划"√"进行选择。 二、其他可能影响独立性的情况 对照其他有关法律法规,本人承诺不存在其他可能影响 履职独立性的情况。 0-08 三、自查结果 经自查,本人符合《上市公司独立董事管理办法》及其 他相关法律法规、规范性文件 ...

苏州银行股份有限公司 2024 年度 独立董事述职报告 （范从来） 本人范从来，1962年9月出生，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。兼任全美在线（北京）教育科技股份有限公司、建 信信托有限责任公司、南京高科股份有限公司独立董事。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 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）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，未发现可能影 响本人作为独立董事进行独立客观判断的情形。 1 二、年度履职情况 （一）出席董事会及股东大会情况 2024年，苏州银行共召开8次董事会（其中6次为现场会议，2次 为书面传签会议），听取或审议各项议案、报告 ...

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%。 ...

Core Viewpoint - The article emphasizes the strategic importance of elderly finance in addressing the challenges of an aging population, highlighting Suzhou Bank's innovative "Suxin Kangyang" elderly finance service brand aimed at enhancing the financial experience for senior clients and promoting high-quality development of the silver economy [1] Group 1: Financing Support for Elderly Industry - Suzhou Bank provides comprehensive financial solutions for various types of elderly enterprises, collaborating with government agencies, businesses, and medical institutions to develop new financial models for the elderly industry [2] - The bank strengthens partnerships with state-owned elderly enterprises, offering services such as asset preservation, bank financing, and merger financing solutions [2] - Increased credit supply for small and medium-sized elderly enterprises through long-term working capital loans and credit products tailored to the characteristics and growth potential of these businesses [2] Group 2: Enhancing Financial Services for the Elderly - Suzhou Bank focuses on improving service levels for the elderly, addressing their needs for care, enjoyment, and companionship [3] - The bank has renovated 29 branches to be elderly-friendly and established "Love Windows" to provide convenient services, equipped with tools like magnifying glasses and wheelchairs [3] - The "Happiness Club" was launched to create a community platform for members, offering various services and activities, with membership exceeding 3,800 by the end of 2024 [3] Group 3: Diverse Elderly Financial Products - Suzhou Bank has developed a "Wealth + Pension" system, issuing over 4.7 million social security cards and nearly 350,000 senior cards by the end of 2024 [4] - The bank offers personalized pension financial planning based on clients' age, risk tolerance, and retirement goals, providing tailored investment advice [4] - A range of financial products is available, including public pension funds and risk-adapted guaranteed products, to cater to different stages of retirement [4] Group 4: Building an Elderly Financial Service Ecosystem - Suzhou Bank integrates resources across industries to provide comprehensive services for the elderly, including cultural activities and home services [5] - The bank sponsors cultural events for the elderly, attracting over 15,000 participants in a recent talent competition [5] - The bank is advancing digital transformation in elderly finance, enhancing online services and creating a digital service ecosystem that connects various life scenarios [6]

Core Viewpoint - The article highlights Suzhou Bank's innovative approach in the field of intellectual property finance, showcasing its significant achievements and contributions to the technology and innovation sector [1]. Group 1: Innovations in Intellectual Property Finance - Suzhou Bank developed the "Suxin Innovation Capability" enterprise evaluation model, which successfully opened the door to data intellectual property registration in the banking industry, earning the first certificate in the country [2]. - The bank executed the first data intellectual property licensing revenue rights pledge financing in the country, enabling a technology company to secure 3 million yuan in funding by pledging future licensing revenues [2]. - The bank has completed six cases of intellectual property asset securitization and eight first cases of data intellectual property pledges across various cities, demonstrating its leadership in the sector [3]. Group 2: Comprehensive Financial Services - Suzhou Bank offers a full lifecycle service model for technology enterprises, including the "Accompanying Flight Plan" for startups, "Wingspan Plan" for growth-stage companies, and "Navigation Plan" for mature enterprises [4]. - Specific financing examples include a biotechnology company obtaining millions in funding through a mixed pledge of patents and copyrights, and a vehicle networking company securing tens of millions through data intellectual property pledges [4]. Group 3: Future Vision and Ecosystem Development - On the 25th World Intellectual Property Day, Suzhou Bank aims to create a "GOAI Innovation Financial Ecosystem," focusing on integrating intellectual property evaluation models with blockchain and AI technologies [5]. - The bank plans to build a knowledge property transaction platform and participate in local standards, responding to the "Comprehensive Pilot Work Plan for Intellectual Property Finance Ecosystem" [5]. - Suzhou Bank's brand philosophy emphasizes growth and innovation in technology finance, aiming to enhance the value of intellectual property through dynamic transactions [5].

Core Insights - The Yangtze River Delta urban agglomeration is a crucial intersection of the "Belt and Road" initiative and the Yangtze River Economic Belt, comprising Shanghai, Jiangsu, Zhejiang, and Anhui provinces, with seven listed city commercial banks [1] - In 2024, the total asset scale of these seven banks reached 17.72 trillion yuan, with Jiangsu Bank, Shanghai Bank, and Ningbo Bank each exceeding 3 trillion yuan [1][3] - All seven banks reported positive growth in revenue and net profit, with asset quality remaining strong, as six banks maintained non-performing loan ratios below 1% [1][18] Asset Scale and Growth - Jiangsu Bank's total assets reached 39,520.42 billion yuan, a 16.12% increase from the previous year [3][5] - Shanghai Bank's total assets were 32,266.56 billion yuan, growing by 4.57% [3][5] - Ningbo Bank's total assets amounted to 31,252.32 billion yuan, with a growth rate of 15.25% [3][5] - Nanjing Bank, Hangzhou Bank, and Huishang Bank surpassed 20 trillion yuan in assets, while Suzhou Bank had the smallest asset scale at nearly 700 billion yuan [1][3] Revenue and Profitability - Jiangsu Bank led in revenue with 808.15 billion yuan, marking an 8.78% increase [10][12] - Ningbo Bank followed with 666.31 billion yuan in revenue, up 8.19% [10][12] - Nanjing Bank achieved a revenue growth rate of 11.32%, the only bank with double-digit growth [10][12] - Net profit for Jiangsu Bank exceeded 300 billion yuan, with a growth of 10.76% [13][12] Asset Quality - The non-performing loan ratio for Jiangsu Bank was 0.89%, while Ningbo and Hangzhou Banks had the lowest at 0.76% [18][19] - Shanghai Bank had the highest non-performing loan ratio at 1.18% [17][18] - The provision coverage ratios for most banks were robust, with Jiangsu, Nanjing, and Ningbo Banks exceeding 300% [20][18] Loan Distribution - Jiangsu Bank's loans in Jiangsu province accounted for 86.13% of its total loans, with significant portions also allocated to the Yangtze River Delta and Guangdong-Hong Kong-Macau Greater Bay Area [7] - Nanjing Bank's loans were primarily distributed in Jiangsu, with 84.92% of its loans in the province [7] - Huishang Bank's loans were predominantly in Anhui, making up 88.87% of its total [8]