苏农银行(603323) - 2025 Q2 - 季度财报

Section I Definitions Definitions This section defines key terms used in the report, clarifying that "the Company/Bank" refers to Jiangsu Suzhou Rural Commercial Bank Co., Ltd., and listing abbreviations for various institutions - This section primarily explains common terms used in the report, clarifying that "the Company/Bank" refers to Jiangsu Suzhou Rural Commercial Bank Co., Ltd., and listing abbreviations for institutions such as the People's Bank of China, CSRC, SSE, United Bank, and Ernst & Young Hua Ming[12] Section II Company Profile and Key Financial Indicators Company Information This section provides basic information for Jiangsu Suzhou Rural Commercial Bank Co., Ltd., including its Chinese name, abbreviation, English name and abbreviation, and legal representative Xu Xiaojun - The company's Chinese name is Jiangsu Suzhou Rural Commercial Bank Co., Ltd., abbreviated as Sunong Bank[13] - The legal representative is Xu Xiaojun[13] Contact Persons and Information This section lists the contact details for the company's Board Secretary Lu Yingdong and Securities Affairs Representative Shen Jiajun, including address, phone, fax, and email, to facilitate investor communication - The Board Secretary is Lu Yingdong, and the Securities Affairs Representative is Shen Jiajun[14] - The contact address for both is No. 1777, Zhongshan South Road, Wujiang District, Suzhou City, Jiangsu Province[14] Overview of Basic Information Changes The company's registered and office addresses are both located at No. 1777, Zhongshan South Road, Wujiang District, Suzhou City, Jiangsu Province, with no historical changes during the reporting period - The company's registered and office addresses are both No. 1777, Zhongshan South Road, Wujiang District, Suzhou City, Jiangsu Province, postal code 215200[15] - There were no historical changes to the company's registered address during the reporting period[15] Overview of Information Disclosure and Document Custody Location Changes The company designates four newspapers, including "Shanghai Securities News," as information disclosure media, publishes its semi-annual report on the Shanghai Stock Exchange website, and maintains its document custody location at the company's Board of Directors Office, with no changes during the reporting period - The newspapers selected for information disclosure include "Shanghai Securities News," "China Securities Journal," "Securities Daily," and "Securities Times"[16] - The semi-annual report is published on http://www.sse.com.cn, and the document custody location is the company's Board of Directors Office[16] Company Stock Overview The company's stock is A-shares, listed on the Shanghai Stock Exchange, with the stock abbreviation "Sunong Bank" and stock code 603323, previously known as "Wujiang Bank" - The company's stock type is ordinary A-shares, listed on the Shanghai Stock Exchange[17] - The stock abbreviation is "Sunong Bank," stock code 603323, and the previous stock abbreviation was "Wujiang Bank"[17] Key Accounting Data and Financial Indicators In the first half of 2025, Sunong Bank's key accounting data and financial indicators showed stable performance, with operating revenue increasing by 0.21% and net profit attributable to the parent company growing by 5.23%, while total assets and deposits both increased, the non-performing loan ratio remained stable at 0.90%, but the weighted average return on net assets slightly decreased Key Accounting Data In the first half of 2025, Sunong Bank's operating revenue slightly increased by 0.21%, while total profit and net profit grew by 15.52% and 5.19% respectively, and net cash flow from operating activities significantly increased by 42.71%, with period-end total assets growing by 4.33% and net assets attributable to shareholders of the listed company increasing by 2.85%, though net assets per share decreased by 6.51% due to a capital reserve capitalization plan 2025 H1 Key Accounting Data (RMB Thousand) | Indicator | Current Period (Jan-Jun) | Prior Period | Change from Prior Period (%) | | :--- | :--- | :--- | :--- | | Operating Revenue | 2,280,413 | 2,275,538 | 0.21 | | Total Profit | 1,387,710 | 1,201,322 | 15.52 | | Net Profit | 1,178,343 | 1,120,177 | 5.19 | | Net Profit Attributable to Shareholders of Listed Company | 1,178,293 | 1,119,784 | 5.23 | | Net Cash Flow from Operating Activities | 2,601,658 | 1,823,092 | 42.71 | | Period-end Indicators | Current Period-end | Prior Year-end | Change from Prior Year-end (%) | | Net Assets Attributable to Shareholders of Listed Company | 18,555,219 | 18,041,841 | 2.85 | | Total Assets | 223,248,834 | 213,987,100 | 4.33 | | Net Assets per Share Attributable to Shareholders of Listed Company (Yuan/share) | 9.19 | 9.83 | -6.51 | - The decrease in net assets per share attributable to shareholders of the listed company was primarily due to the capital reserve capitalization plan implemented in the 2024 annual profit distribution, which led to an increase in the total number of shares[19] Key Financial Indicators In the first half of 2025, Sunong Bank's basic and diluted earnings per share both increased, but the weighted average return on net assets decreased year-on-year, while capital adequacy ratio, Tier 1 capital adequacy ratio, and core Tier 1 capital adequacy ratio all slightly declined, the non-performing loan ratio remained unchanged at 0.90%, and both the provision coverage ratio and net interest margin decreased 2025 H1 Key Financial Indicators | Key Financial Indicator | Current Period (Jan-Jun) | Prior Period | Change from Prior Period (%) | | :--- | :--- | :--- | :--- | | Basic Earnings per Share (Yuan/share) | 0.58 | 0.55 | 5.45 | | Diluted Earnings per Share (Yuan/share) | 0.58 | 0.51 | 13.73 | | Weighted Average Return on Net Assets (%) | 6.32 | 6.85 | Decreased by 0.53 percentage points | | Period-end Indicators | June 30, 2025 | 2024 | 2023 | | Capital Adequacy Ratio | 12