Financial Performance - Operating income for the first half of 2024 reached RMB 6,387,986 thousand, an increase of 1.88% compared to RMB 6,270,047 thousand in the same period of 2023[12]. - Net profit for the first half of 2024 was RMB 3,043,815 thousand, reflecting an 11.20% increase from RMB 2,737,228 thousand in the first half of 2023[12]. - The net profit attributable to shareholders of the parent company for the first half of 2024 was RMB 2,952,705 thousand, up 12.10% from RMB 2,633,946 thousand in the same period last year[12]. - Basic earnings per share for the first half of 2024 were RMB 0.74, representing a 7.25% increase from RMB 0.69 in the first half of 2023[12]. - The diluted earnings per share for the first half of 2024 were RMB 0.64, up 6.67% from RMB 0.60 in the same period of 2023[12]. - The net profit after deducting non-recurring gains and losses for the first half of 2024 was RMB 2,920,396 thousand, reflecting a 14.62% increase from RMB 2,547,822 thousand in the first half of 2023[12]. - The total income tax expense for the first half of 2024 was 537,162 thousand RMB, representing a 19.98% increase from 447,718 thousand RMB in the previous year[66]. Asset and Liability Management - Total assets as of June 30, 2024, amounted to RMB 659,514,377 thousand, a 9.58% increase from RMB 601,841,456 thousand at the end of 2023[12]. - The net assets attributable to shareholders of the parent company as of June 30, 2024, were RMB 47,256,650 thousand, a 3.91% increase from RMB 45,479,985 thousand at the end of 2023[12]. - The total liabilities of the group reached CNY 610.03 billion, an increase of CNY 55.85 billion or 10.08% compared to the previous year[87]. - The company's total equity reached CNY 49.49 billion, an increase of CNY 1.82 billion or 3.82% year-over-year[94]. Loan and Deposit Growth - The total loans and advances issued as of June 30, 2024, reached CNY 312,487,129, an increase of 11.15% compared to December 31, 2023[19]. - The total deposits absorbed as of June 30, 2024, amounted to CNY 423,989,426, reflecting a growth of 13.84% from December 31, 2023[19]. - The balance of various deposits was RMB 415.230 billion, up RMB 51.410 billion, with a growth rate of 14.13%[32]. - The balance of various loans was RMB 325.116 billion, an increase of RMB 31.715 billion, reflecting a growth rate of 10.81%[32]. Risk Management - The non-performing loan ratio stands at 0.84% as of June 30, 2024, unchanged from December 31, 2023[21]. - The provision coverage ratio stood at 486.80%, with a provision-to-loan ratio of 4.10%, indicating stable asset quality[34]. - The bank emphasizes risk management, focusing on credit risk, market risk, operational risk, and liquidity risk, with a comprehensive risk management framework in place[139]. - The bank's liquidity management strategies include enhancing liability management and optimizing asset structure to ensure liquidity risk remains within a safe range, with all liquidity regulatory indicators meeting requirements[147]. Income and Expense Analysis - Net interest income decreased to RMB 4,149,919 thousand, down RMB 129,928 thousand or 3.04% year-on-year[37]. - Total interest income rose to RMB 10,486,159 thousand, an increase of RMB 505,590 thousand or 5.07% from the previous year[38]. - Total interest expenses increased to RMB 6,336,239 thousand, up RMB 635,517 thousand or 11.15% compared to the same period last year[38]. - The bank's total operating expenses decreased to RMB 2,804,812 thousand, down RMB 278,016 thousand or 9.02% from the previous year[36]. Digital Transformation and Customer Engagement - The number of personal users on the Suzhou Bank App reached 5.78 million, with an annual increase of 221,300 users[168]. - The bank's digital RMB service system included 142,900 personal wallets and 23,200 corporate wallets by the end of the reporting period[168]. - The bank has focused on digital transformation and integrated operations to enhance service quality for the real economy[156]. Corporate Governance and Compliance - The bank has no non-operating fund occupation by controlling shareholders or related parties during the reporting period[180]. - The bank has not engaged in any non-compliant external guarantees during the reporting period[181]. - The bank's compliance risk management focuses on enhancing legal awareness and improving compliance mechanisms, including the development of a digital compliance system[148]. Related Party Transactions - The bank approved a major related party transaction with Suzhou Industrial Park State-owned Capital Investment Operation Holding Co., Ltd. for a credit limit of RMB 158,046 million[187]. - The bank's major related party transactions included a credit amount of RMB 280,000 million with Jiangsu Shagang Group Co., Ltd. and its affiliates[189]. - The bank's related party transactions adhered to the principles of honesty and fairness, with no significant impact on the company's operating results and financial status[186].

苏州银行股份有限公司（以下简称"本行"）近日收到本行股东监事丁建国、 顾春浩先生的书面辞呈。因工作原因，丁建国、顾春浩先生辞去本行股东监事职 务，辞任后均不再担任本行及控股子公司任何职务，自 2024 年 8 月 30 日起生效。 截至公告披露日，丁建国、顾春浩先生未持有本行股份。 | 证券代码：002966 | 证券简称：苏州银行 | 公告编号：2024-044 | | --- | --- | --- | | 转债代码：127032 | 转债简称：苏行转债 | | 苏州银行股份有限公司 关于监事辞职的公告 本行及监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。 2024 年 8 月 30 日 丁建国、顾春浩先生确认其与本行监事会无不同意见，也无任何与辞任有 关而需通知本行股东及债权人的事项。 丁建国、顾春浩先生在本行任职期间恪尽职守、勤勉尽责，本行谨向丁建 国、顾春浩先生为本行所做的贡献表示衷心感谢。 特此公告。 苏州银行股份有限公司监事会 ...

| 证券代码：002966 | 证券简称：苏州银行 | 公告编号：2024-037 | | --- | --- | --- | | 转债代码：127032 | 转债简称：苏行转债 | | 苏州银行股份有限公司 首次公开发行 A 股前已发行股份上市流通提示性公告 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。 特别提示： 1.本次限售股上市流通数量为21,921,780股，占本行总股本的0.5979%。 2.本次限售股上市流通日期为2024年8月5日（星期一）。 一、首次公开发行前已发行股份情况及上市后股份变动情况 经中国证券监督管理委员会《关于核准苏州银行股份有限公司首次公开发行 股票的批复》（证监许可〔2019〕905号）核准，本行向社会公开发行人民币普 通股（A股）333,333,334股。经深圳证券交易所《关于苏州银行股份有限公司人 民币普通股股票上市的通知》（深证上〔2019〕442号）同意，本行于2019年8 月2日在深圳证券交易所挂牌上市。 首次公开发行前，本行总股本3,000,000,000股，发行后本行总股本 3,333,333,334股，包括有限 ...

招商证券股份有限公司 关于苏州银行股份有限公司首次公开发行前已发行股份 部分解除限售并上市流通的核查意见 招商证券股份有限公司（以下简称"招商证券"或"保荐机构"）作为苏州 银行股份有限公司（以下简称"苏州银行"或"公司"）持续督导的保荐机构， 根据《证券发行上市保荐业务管理办法》《深圳证券交易所股票上市规则》《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 规和规范性文件的要求，对苏州银行首次公开发行前已发行股份部分解除限售并 上市流通事项进行了审慎核查。具体情况如下： 一、首次公开发行前已发行股份情况及上市后股份变动情况 经中国证券监督管理委员会（以下简称"中国证监会"）《关于核准苏州银行 股份有限公司首次公开发行股票的批复》（证监许可〔2019〕905 号）核准，苏 州银行向社会公开发行人民币普通股（A 股）333,333,334 股。经深圳证券交易 所《关于苏州银行股份有限公司人民币普通股股票上市的通知》（深证上〔2019〕 442 号）同意，苏州银行于 2019 年 8 月 2 日在深圳证券交易所挂牌上市。 首次公开发行前，苏州银行总股本 3,000,000,000 ...

Group 1: Loan and Industry Support - The bank maintains a high proportion of manufacturing loans compared to peers, focusing on supporting local industries such as electronic information, equipment manufacturing, biomedicine, and advanced materials [1] - Efforts are being made to enhance support for intelligent transformation and digital upgrades in the manufacturing sector, contributing to regional industrial transformation [1] Group 2: Asset Quality Management - The bank emphasizes a risk management philosophy that prioritizes awareness and prevention, stating that "not recognizing risk is the biggest risk" [1] - Asset quality is expected to remain stable in the second half of the year, with ongoing optimization of credit policies and monitoring to prevent and mitigate risks [2] Group 3: Investor Relations and Compliance - The investor relations activity involved thorough communication with investors, adhering to regulations to prevent the disclosure of any undisclosed significant information [2]

Group 1: Financial Development - The bank's innovation finance focuses on "steady at heart, innovation in action," targeting technology innovation and entrepreneurship, forming a comprehensive customer acquisition capability and service characteristics [1] - As of March 2024, the bank has nearly 11,000 cooperative innovation enterprise clients, with a total credit amount exceeding 100 billion yuan [1] Group 2: Social Finance - The bank emphasizes customer-centricity, enhancing cooperation in various social scenarios such as government, community, healthcare, and education, creating a diverse rights service platform [2] - The bank has established an integrated benefit service system, focusing on three key customer groups: wealth, talent, and elderly care, with products under the "Su Xin" brand [2] Group 3: Integrated Operations - The bank has elevated "integrated operations" to a strategic level, establishing a customer-centered operational system and mechanisms that ensure comprehensive collaboration across branches [2] - The bank's approach includes efficient service, addressing customer needs, leveraging product advantages, optimizing marketing processes, and ensuring timely responses to customer demands [2] Group 4: Compliance and Communication - During the reception, the bank's personnel engaged in thorough communication with the research team, adhering to regulations without disclosing any undisclosed significant information [2]

苏州银行股份有限公司（以下简称"本行"）于 2024 年 7 月 12 日以电子邮件 和书面方式向全体监事发出关于召开第五届监事会第九次会议的通知，会议于 2024 年 7 月 22 日在苏州工业园区钟园路 728 号苏州银行大厦现场召开，本行应 出席监事 9 人，实际出席监事 8 人，委托出席监事 1 人，监事会主席沈琪委托监 事潘奕君表决。监事会主席沈琪因故不能出席，由过半数的监事共同推举监事潘 奕君主持会议，总行相关部门负责人列席会议。本次会议召开符合《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： 一、审议通过了关于修订《苏州银行股份有限公司资本应急管理办法》的议 案 | 证券代码：002966 | 证券简称：苏州银行 公告编号：2024-036 | | --- | --- | | 转债代码：127032 | 转债简称：苏行转债 | 苏州银行股份有限公司 第五届监事会第九次会议决议公告 本行及监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。 本议案同意票 9 票，反对票 0 票，弃权票 0 票。 二、审议通过了关于调整 ...

第五届董事会第十六次会议决议公告 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。 | 证券代码：002966 | 证券简称：苏州银行 | 公告编号：2024-035 | | --- | --- | --- | | 转债代码：127032 | 转债简称：苏行转债 | | 苏州银行股份有限公司 苏州银行股份有限公司（以下简称"本行"）于 2024 年 7 月 11 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十六次会议的通知，会议 于 2024 年 7 月 22 日在苏州工业园区钟园路 728 号苏州银行大厦现场召开。本行 应出席董事 12 人，亲自出席董事 12 人，其中，钱晓红董事、刘晓春董事、范从 来董事、兰奇董事、陈汉文董事、李志青董事以视频方式参加会议。会议由崔庆 军董事长主持，部分监事及相关部门的负责人等列席会议。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： 一、审议通过了关于调整 2024 年度外部审计机构聘任安排的议案 经本行与普华永道中天会计师事务所（特殊普通合伙）协商，鉴 ...

| --- | --- | --- | |------------------|-------------------------------|------------------| | | | 编号:2024-20 | | | 特定对象调研 □分析师会议 | | | 投资者关系活动类 | □媒体采访 | | | 别 | □新闻发布会 | | | | □现场参观 | | | | □其他(请文字说明其他活动内容) | | | | 调研人员:美林公司 | 调研人员:国投证 | | | Winnie Wu、Michael | 券李双、王子硕, | | | Li、Emma Xu、 | 华安基金郭昶皓 | | | Wenqing Han、Susie | | | | Liu,Millennium | 上市公司接待人 | | | Sharon Li、Irene | 员:董事会秘书朱 | | | Zhou,Morgan | 敏军、风险管理部 | | | Stanley Jerry Peng, | 副总经理朱国玉、 | | 活动参与人员 | CIC Ivy Du, | 计划财务部及董 | | | Temasek Jessie ...