常熟银行村改支再扩容，吸收三家省内村镇银行

Core Viewpoint - Changshu Bank is actively pursuing the absorption and merger of three rural banks in Jiangsu Province, aiming to enhance its branch network and optimize resource allocation [2][4]. Group 1: Merger Details - The three rural banks being absorbed are Yancheng Binhai Xingfu Rural Bank, Zhenjiang Runzhou Yangtze Rural Bank, and Changzhou Zhonglou Yangtze Rural Bank, all located in Jiangsu [2]. - The merger will involve acquiring 100% of the shares of these banks, dissolving their independent legal status, and converting them into branches of Changshu Bank [2]. Group 2: Performance Metrics - As of the end of 2024, the financial metrics for the three rural banks are as follows: - Yancheng Binhai Xingfu: Total assets of 1.595 billion, total deposits of 1.376 billion, total loans of 1.405 billion, non-performing loan rate of 0.98%, and provision coverage ratio of 361.10% [3]. - Zhenjiang Runzhou Yangtze: Total assets of 787 million, total deposits of 559 million, total loans of 126 million, non-performing loan rate of 1.44%, and provision coverage ratio of 424.28% [3]. - Changzhou Zhonglou Yangtze: Total assets of 430 million, total deposits of 317 million, total loans of 284 million, non-performing loan rate of 1.77%, and provision coverage ratio of 246.63% [3]. Group 3: Changshu Bank's Overall Performance - In the first half of the year, Changshu Bank reported operating income of 6.062 billion, a year-on-year increase of 10.10%, and net profit attributable to ordinary shareholders of 1.969 billion, up 13.55% [4]. - As of June 2025, Changshu Bank's total assets reached 401.251 billion, a growth of 9.46% from the beginning of the year, with total loans of 251.471 billion (up 4.40%) and total deposits of 310.777 billion (up 8.46%) [4]. Group 4: Strategic Implications - The absorption of rural banks is seen as a new opportunity for Changshu Bank, with the chairman highlighting the high-quality development of rural banks as a growth driver [5]. - The bank aims to penetrate county markets quickly through these mergers, optimizing resource allocation and reducing management costs [5]. - The total assets of Changshu Bank's rural banks reached 62.428 billion, with a growth rate of 17.88%, and total deposits of 53.612 billion, increasing by 21.92% [5].