| 证券代码：002966 | 证券简称：苏州银行 | 公告编号：2024-046 | | --- | --- | --- | | 转债代码：127032 | 转债简称：苏行转债 | | 苏州银行股份有限公司 2024 年第一次临时股东大会决议公告 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。 特别提示： （一）本次股东大会无否决议案的情况； （二）本次股东大会涉及变更前次股东大会决议的情况：2024 年 5 月 24 日， 苏州银行股份有限公司（以下简称"本行"）召开 2023 年度股东大会，审议通过 了关于续聘外部审计机构的议案，续聘普华永道中天会计师事务所（特殊普通合 伙）为本行 2024 年度外部审计机构，详见本行当日披露于巨潮资讯网的《2023 年度股东大会决议公告》。本次股东大会审议通过关于聘请外部审计机构的议案， 聘任安永华明会计师事务所（特殊普通合伙）为本行 2024 年度外部审计机构， 对 2023 年度股东大会审议通过的关于续聘外部审计机构的议案予以变更。除上 述事项外，本次股东大会不涉及变更以往股东大会已通过的决议。 一、会议召开情况 （ ...

苏州银行股份有限公司投资者关系活动记录表 编号：2024-24 | --- | --- | --- | |------------------|--------------------------------------------|-------------------------------------------------------------------------------------------------------| | | | | | | 特定对象调研 □分析师会议 | | | 投资者关系活动类 | □媒体采访 | □ 业绩说明会 | | 别 | □ 新闻发布会 | □ 路演活动 | | | □现场参观 □ 其他（请文字说明其他活动内容） | | | | | 调研人员：华泰证券沈娟，交银施罗德基金王崇、赵尹铭 | | 活动参与人员 | 室相关人员 | 上市公司接待人员：董事会秘书朱敏军、风险管理部副总 经理朱国玉、计划财务部总经理助理沈若弢及董事会办公 | | 时间 | 2024 年 9 月 19 日 | | | 地点 | 苏州银行总行 12 | 楼会议室 | | 形式 | 现场会议 ...

编号：2024-23 | --- | --- | --- | |------------------|---------------------------------------------------------------|-------------------------------------------------------------------------------------------------| | | | | | | 特定对象调研 □分析师会议 | | | | | | | 投资者关系活动类 | □媒体采访 | □ 业绩说明会 | | 别 | □ 新闻发布会 □现场参观 | □ 路演活动 | | | □ 其他（请文字说明其他活动内容） 调研人员：汇丰前海证券孙怡， | Lazard Michelle Liu ， Alliance | | 活动参与人员 | Berinstein Trevor Kwong | ，泰康基金季怡轩，泰康资管陈功 | | | | 上市公司接待人员：董事会秘书朱敏军、风险管理部副总 经理朱国玉及计划财务部和董事会办公室相关人员 | | 时间 | 2024 年 ...

证券研究报告 2024 年 09 月 03 日 湘财证券研究所 公司研究 苏州银行（002966）业绩点评 业绩增速基本稳定，非息贡献扩大 相关研究： 1.《苏州银行：信贷扩张动能足， 资产质量稳定》 2024.05.14 公司评级：买入（维持） % 1 个月 3 个月 12 个月 相对收益 3.54 2.54 24.18 注：相对收益与沪深 300 相比 绝对收益 -0.97 -6.25 10.29 分析师：郭怡萍 证书编号：S0500523080002 Tel：(8621) 50295327 Email：guoyp@xcsc.com 2024H1 与 2024Q1，苏州银行总资产同比增长 13.7%/16.8%，贷款同比增长 14.5%/19.8%，存款同比增长 13.4%/16.4%，资产规模保持稳健增长，异地 分支行机构贷款占比提高 2.7%至 40.5%。2024H1，企业贷款增长动能足， 企业贷款同比增长 25.8%，增量企业贷款主要投向制造业、租赁与商务服 务业以及房地产业。上半年，个人贷款同比下滑 1.5%，主要是经营贷业务 明显压缩，消费贷增长仍然较快。 2024H1 与 2024Q1，苏州 ...

Investment Rating - The report maintains a "Buy" rating for Suzhou Bank [4][8][9] Core Views - Suzhou Bank's performance in the first half of 2024 shows a revenue of 6.4 billion yuan, a year-on-year increase of 1.9%, and a net profit attributable to shareholders of 3 billion yuan, up 12.1% year-on-year [4][8] - The bank's asset quality remains stable, with a non-performing loan (NPL) ratio of 0.84% in Q2 2024, unchanged from the previous quarter [4][8] - The report highlights the bank's strategic focus on leveraging public sector loans for growth while managing retail loan adjustments [5][8] Financial Data and Earnings Forecast - Total operating income (in million yuan) is projected to be 11,762.96 in 2024E, with a year-on-year growth rate of 8.62% [3] - Net profit attributable to shareholders is expected to reach 3,918.44 million yuan in 2024E, reflecting a year-on-year growth rate of 26.13% [3] - The report anticipates a gradual increase in return on equity (ROE) from 11.50% in 2024E to 12.22% in 2026E [3] Loan and Asset Quality Analysis - Public sector loans are driving credit growth, with a loan growth rate exceeding 20% in Q2 2024 [5][8] - The bank's NPL generation rate is low, with a projected annualized NPL generation rate of only 0.38% for the first half of 2024 [4][8] - The provision coverage ratio stands at 487%, providing a solid buffer against potential asset quality deterioration [4][8] Interest Margin and Revenue Drivers - The net interest margin for the first half of 2024 is reported at 1.48%, a decrease of 20 basis points compared to 2023 [8][9] - Interest income has been impacted by a decline in loan pricing, with net interest income down 2.3% year-on-year [4][8] - Non-interest income has shown resilience, with an 11% year-on-year increase, contributing positively to revenue growth [4][8]

证券研究报告 银行 报告日期：2024 年 09 月 03 日 资产质量优异 资产规模稳步提升 ——苏州银行（002966.SZ）2024 年半年报点评报告 事件： 苏州银行发布 2024 年半年度报告，公司上半年实现营业收入 63.88 亿元，同比增长 1.88%；净利润 30.44 亿元，同比增长 11.20%。 其中归属于母公司股东的净利润 29.53 亿元，同比增长 12.10%。 投资评级：增持（首次覆盖） 资产规模稳步增长。2024H1，苏州银行资产总额 6595.14 亿元， 较上年末增加 576.73 亿元，增幅 9.58%；各项存款余额 4152.30 亿元，较上年末增加 514.10 亿元，增幅 14.13%；各项贷款余额 3251.16 亿元，较上年末增加 317.15 亿元，增幅 10.81%。公司净 利润维持双位数增长，主要受益于资产质量稳定和优秀的成本管 控能力。 资产质量维持稳定。2024H1，苏州银行不良贷款余额 27.37 亿元， 较年初上升 2.76 亿元；不良贷款率 0.84%，与年初基本一致，公 司不良率稳定在较低位；拨备覆盖率 486.8%，拨贷比 4.1%，公 司拨 ...

Investment Rating - The report maintains a "Buy" rating for Suzhou Bank, with a target price of 7.98 CNY per share, based on a valuation of 0.68 times PB for 2024 [2][4]. Core Views - The performance growth of Suzhou Bank is steady, with a net profit growth of 12.1% year-on-year as of 24H1, positioning it among the top of listed city commercial banks [1]. - The bank's total assets and loan growth rates have slightly decreased, but corporate loans continue to grow rapidly, primarily driven by sectors such as government-related, real estate, and manufacturing [1]. - Asset quality pressures have increased marginally, but the provision coverage ratio remains high at 486.8% [1]. Summary by Sections Financial Performance - As of 24H1, Suzhou Bank's revenue, PPOP, and net profit attributable to shareholders grew by 1.9%, -0.6%, and 12.1% respectively compared to 24Q1 [1]. - Net interest income decreased by 3.0% year-on-year, while net fee income continued to show negative growth, albeit at a reduced rate of 19.9% [1]. - Other comprehensive income increased by 49.9% due to fair value changes in other debt investments [1]. Asset and Loan Growth - Total assets and loan growth rates fell to 13.7% and 14.5% respectively, with corporate loans maintaining a growth rate above 20% [1]. - The net interest margin narrowed by 4 basis points from 24Q1, with a decrease in the yield on interest-earning assets by 28 basis points compared to the previous year [1]. Asset Quality - The non-performing loan ratio stood at 0.84%, unchanged from 24Q1, while the attention rate increased to 0.88% [1]. - The provision coverage ratio decreased by 4.9 percentage points to 486.8%, indicating sufficient profit space to absorb potential losses [1]. Profit Forecast - The forecast for net profit growth for 2024, 2025, and 2026 is adjusted to 11.7%, 10.4%, and 10.2% respectively, with EPS projected at 1.37, 1.52, and 1.67 CNY [2].

Investment Rating - The report maintains a "Strong Buy" rating for Suzhou Bank, expecting the stock to outperform the market by over 20% within the next six months [4][18]. Core Views - Suzhou Bank has demonstrated steady profit growth with a 12.1% year-on-year increase in net profit attributable to shareholders, supported by resilient revenue levels despite a slight decline in net interest income [5][9]. - The bank's asset quality remains robust, with a non-performing loan (NPL) ratio of 0.84%, indicating stability in its credit portfolio [9][15]. - The report highlights the bank's strategic expansion outside Suzhou, with 66% of new loans issued in regions beyond its home city, contributing to a 14.5% year-on-year growth in total loans [9]. Financial Performance Summary - For the first half of 2024, Suzhou Bank reported total operating income of 6.39 billion yuan, a year-on-year increase of 1.88%, and total assets of 659.5 billion yuan, reflecting a growth of 9.58% compared to the previous year [5][9]. - The bank's net interest margin (NIM) for the first half of 2024 was 1.48%, showing a slight contraction from the previous quarter, while the cost of interest-bearing liabilities decreased to 2.20% [7][9]. - Non-interest income increased by 12.5% year-on-year, with significant contributions from other non-interest income sources, which grew by 36.2% [6][9]. Asset Quality and Risk Management - The bank's NPL generation rate is estimated at 0.46%, with a coverage ratio of 487%, indicating a strong capacity to absorb potential losses [9][15]. - The report notes a slight increase in the personal loan NPL ratio to 1.33%, emphasizing the need for vigilance in managing retail asset quality risks [9][15]. Future Outlook - The report projects steady growth in earnings per share (EPS) for 2024-2026, with expected EPS of 1.39 yuan, 1.54 yuan, and 1.71 yuan respectively, corresponding to profit growth rates of 10.4%, 10.9%, and 11.2% [9][14]. - The bank's strategic focus on enhancing its wealth management capabilities and expanding its branch network is expected to further strengthen its competitive position in the market [9].

一、召开会议基本情况 1.股东大会届次：2024年第一次临时股东大会。 2.股东大会召集人：本行董事会。本行第五届董事会第十七次会议审议通过 了《关于召开苏州银行股份有限公司2024年第一次临时股东大会的议案》。 3.会议召开的合法、合规性：本次股东大会的召开符合相关法律法规和本行 章程的规定。 | 证券代码：002966 | 证券简称：苏州银行 | 公告编号：2024-045 | | --- | --- | --- | | 转债代码：127032 | 转债简称：苏行转债 | | 苏州银行股份有限公司 关于召开 2024 年第一次临时股东大会的通知 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"）2024年第一次临时股东大会定 于2024年9月20日下午召开，会议有关事项通知如下： 4.会议召开的日期、时间： （1）现场会议召开时间：2024年9月20日下午15:30。 （2）网络投票时间：通过深圳证券交易所交易系统进行网络投票的时间为 2024年9月20日上午9:15-9:25、9:30-11:30，下午13:00-15 ...

苏州银行股份有限公司 2024 年第一次临时股东大会会议材料 苏州银行股份有限公司 2024 年第一次临时股东大会会议材料 （股票代码：002966） 苏州银行股份有限公司 2024 年第一次临时股东大会会议材料 会议议程 召开时间：2024 年 9 月 20 日（星期五）下午 15:30 召开地点：苏州工业园区钟园路 728 号苏州银行大厦 4 楼会议 室 召集人：公司董事会 一、主持人宣布会议开始； 二、宣读股东大会会议须知； 三、审议各项议案，听取相关报告； 四、股东发言或提问； 五、报告现场出席会议的股东及股东代理人人数及其代表的有 表决权股份数量； 六、推选本次会议计票人、监票人； 七、投票表决； 八、与会代表休息（工作人员统计投票结果）； 九、宣布现场表决结果； 十、见证律师宣读法律意见书； 召开方式：现场会议+网络投票 十一、宣布会议结束。 苏州银行股份有限公司 2024 年第一次临时股东大会会议材料 会议须知 为维护全体股东的合法权益，确保本行股东大会顺利进行，根据 《中华人民共和国公司法》、《上市公司股东大会规则》及本行章程等 规定，特制订本须知： 一、为保证股东大会的严肃性和正常秩序，除出 ...