本行及董事会全体成员保证信息披露内容真实、准确和完整，没有虚假记载、误导性 陈述或重大遗漏。 重要内容提示： ●每股分配比例：每 10 股派发现金红利人民币 1.0 元（含税）。 ●本次利润分配以实施权益分派股权登记日登记的总股本为基数，具体股权 登记日期将在权益分派实施公告中明确。 ●本次利润分配预案尚待本行股东会审议通过后方可实施。 一、本次中期分红方案的基本情况 2025 年前三季度，江苏江阴农村商业银行股份有限公司（以下简称"本行"） 未经审计的合并报表中，税后净利润 125789.25 万元，归属于母公司净利润 127835.65 万元。截至 2025 年 9 月 30 日，本行合并报表中期末未分配利润为 457504.78 万元，本行母公司报表中期末未分配利润为 454385.27 万元，按照 母公司与合并报表数据孰低原则，截至 2025 年 9 月 30 日，本行可供股东分配 的利润为 454385.27 万元。按照《公司法》及本行章程，本期无需提取法定公 积金或任意公积金。 证券代码：002807 证券简称：江阴银行 公告编号：2025-035 江苏江阴农村商业银行股份有限公司 2025 年中 ...

Core Viewpoint - Jiangyin Bank (002807) announced a profit distribution plan for the first half of 2025, proposing a cash dividend of RMB 1.0 per 10 shares (tax included) [1] Group 1 - Jiangyin Bank plans to distribute cash dividends to its shareholders [1] - The proposed dividend reflects the bank's ongoing commitment to returning value to its investors [1]

Core Insights - Jiangyin Bank (002807) reported its Q3 2025 results, showing a revenue of 3.204 billion and a net profit attributable to shareholders of 1.278 billion, reflecting year-on-year growth of 6.17% and 13.38% respectively [1] - As of the end of September, the bank's total assets reached 208.042 billion, marking a 3.9% increase since the beginning of the year [1] - The non-performing loan ratio stood at 0.85%, a decrease of 0.01 percentage points from the start of the year [1]

Financial Performance - Total operating income for Q3 2025 was RMB 802,693,000, a decrease of 4.88% year-on-year[8] - Net profit attributable to shareholders for Q3 2025 was RMB 432,362,000, an increase of 7.52% year-on-year[8] - Investment income increased by 53.71% year-on-year to RMB 931,914 thousand, primarily due to higher bond investment returns[22] - Net profit for the period was CNY 1,257,893 thousand, up from CNY 1,126,067 thousand, reflecting an increase of about 11.7%[50] - Net interest income rose to CNY 2,140,353 thousand compared to CNY 2,114,529 thousand, marking a growth of 1.2%[50] - Total operating income increased to CNY 3,203,813 thousand from CNY 3,017,761 thousand, a rise of approximately 6.2%[50] - Basic earnings per share improved to CNY 0.5194 from CNY 0.4641, reflecting an increase of approximately 11.9%[50] Assets and Liabilities - The total assets as of September 30, 2025, were RMB 208.042 billion, an increase of 3.90% from the beginning of the year[8] - The bank's total liabilities reached CNY 188,650,893 thousand, up from CNY 181,373,359 thousand, indicating an increase of about 4.2%[47] - The total adjusted on-balance and off-balance sheet assets amounted to CNY 232,583,387 thousand as of September 30, 2025[34] - The total risk-weighted assets increased to CNY 13,893,214.18 thousand as of September 30, 2025, compared to CNY 12,029,690.82 thousand as of December 31, 2023, reflecting a growth of 15.5%[32] Deposits and Loans - Total deposits reached RMB 165.073 billion, an increase of RMB 13.247 billion or 8.73% from the beginning of the year[12] - Total loans amounted to RMB 131.957 billion, an increase of RMB 7.828 billion or 6.31% from the beginning of the year[12] - The total deposits reached RMB 165,073,479 thousand, an increase of 8.19% compared to the end of 2024[26] - The total loans amounted to RMB 131,957,134 thousand, reflecting a growth of 6.95% from the end of 2024[26] Risk and Capital Adequacy - The capital adequacy ratio stood at 14.92%, exceeding the regulatory requirement of 10.5%[27] - The non-performing loan ratio stood at 0.85%, a decrease of 0.01 percentage points from the beginning of the year[14] - The non-performing loan ratio was 0.85%, remaining well below the regulatory limit of 5%[27] - Core Tier 1 capital increased to CNY 1,912,729.55 thousand as of September 30, 2025, up from CNY 1,576,229.87 thousand as of December 31, 2023, representing a growth of 21.4%[32] - The total capital adequacy ratio decreased to 14.92% as of September 30, 2025, compared to 15.22% as of December 31, 2024[32] - The leverage ratio stood at 8.23% as of September 30, 2025, slightly down from 8.40% as of December 31, 2024[34] Cash Flow and Financing Activities - The net cash flow from operating activities was negative at RMB -3,410,713 thousand, a decline of 188.95% compared to the same period last year[24] - The operating cash outflow increased significantly by 505.22% to RMB 15,905,187 thousand, indicating a substantial rise in cash flow activities[24] - Cash inflow from investment activities was 34,583,148, down from 38,906,468, showing a decrease in investment returns[52] - Net cash flow from investment activities improved to 4,799,707 from -2,141,224, indicating a positive turnaround in investment performance[52] - Cash outflow from financing activities decreased to 495,322 from 4,184,125, indicating reduced financing costs[52] - The bank did not issue bonds this quarter, compared to 2,009,582 in the previous period, indicating a shift in financing strategy[52] Shareholder Information - The total number of common shareholders reached 45,583 as of the reporting period[41] - Jiangsu Jiangnan Water Co., Ltd. holds 5.76% of shares, making it the largest shareholder[41] Future Outlook - The bank aims to focus on rural revitalization, industrial cluster development, and wealth management in the future[15] Audit Status - The financial report for the third quarter was not audited, which may affect the reliability of the reported figures[53]

Market Overview - The rural commercial bank sector experienced a decline of 0.75% on October 28, with Jiangyin Bank leading the drop [1] - The Shanghai Composite Index closed at 3988.22, down 0.22%, while the Shenzhen Component Index closed at 13430.1, down 0.44% [1] Individual Stock Performance - Key stock performances in the rural commercial bank sector included: - Ruifeng Bank: Closed at 5.51, unchanged - Sunong Bank: Closed at 5.24, down 0.19% - Zijin Bank: Closed at 2.91, down 0.34% - Changshu Bank: Closed at 7.00, down 0.57% - Yuanxi Bank: Closed at 6.14, down 0.65% - Hunan Rural Commercial Bank: Closed at 8.70, down 0.68% - Qingnong Bank: Closed at 3.24, down 0.92% - Yunnan Rural Commercial Bank: Closed at 6.96, down 1.00% - Zhangjiagang Bank: Closed at 4.49, down 1.10% - Jiangyin Bank: Closed at 4.94, down 1.20% [1] Capital Flow Analysis - The rural commercial bank sector saw a net inflow of 16.51 million yuan from institutional investors, while retail investors experienced a net outflow of 25.96 million yuan [1] - Detailed capital flow for selected banks included: - Sunong Bank: Net inflow of 13.07 million yuan from institutional investors, with a net outflow of 9.25 million yuan from retail investors [2] - Hunan Rural Commercial Bank: Net inflow of 13.06 million yuan from institutional investors, with a net outflow of 16.03 million yuan from retail investors [2] - Qingnong Bank: Net inflow of 7.95 million yuan from institutional investors, with a net outflow of 7.73 million yuan from retail investors [2] - Jiangyin Bank: Net outflow of 5.93 million yuan from institutional investors, with a net inflow of 8.14 million yuan from retail investors [2]

2025.10. 28 本文字数：1454，阅读时长大约2分钟 作者 | 一财 阿驴 11:31 A股午盘丨沪指涨0.21% 上证指数涨0.21%，时隔十年重返4000点上方；深证成指涨0.52%，创业板指涨1.35%。 | 代码 | 名称 | 两日图 | 现价 | 涨跌 | 涨跌幅 | | --- | --- | --- | --- | --- | --- | | 000001 | 上证指数 | 3 | 4005.44 | 8.50 | 0.21% | | 399001 | 深证成指 | Willia | 13559.57 | 70.17 | 0.52% | | 399006 | 创业板指 | 18 | 3277.97 | 43.52 | 1.35% | 盘面上，福建板块再掀涨停潮，玻纤、CPO、覆铜板概念低开高走，券商股午前发力；培育钻石、 煤炭、大基建板块普遍低迷。 | 板块名称 | | 福长加哥 | 润卡束 | 福长停教 | | --- | --- | --- | --- | --- | | 海峡两岸 | 대부 | +3.67% | +0.00% | 12 | | 福建自贸区 | E | +245G9 ...

Core Viewpoint - The A-share market experienced a widespread decline in bank stocks, with notable drops in several major banks [1] Group 1: Market Performance - Shanghai Pudong Development Bank saw a decline of over 5% [1] - Other banks such as Minsheng Bank, Chongqing Rural Commercial Bank, Xi'an Bank, Jiangyin Bank, Jiangsu Bank, Zhangjiagang Bank, Shanghai Bank, Everbright Bank, Wuxi Bank, Bank of Communications, and China Construction Bank all experienced declines of over 1% [1]

银行板块短线快速跳水，浦发银行跌超5%，上海银行、渝农商行、江阴银行、西安银行纷纷下挫。 ...

Core Insights - The agricultural commercial bank sector experienced a slight decline of 0.13% on October 27, with the Shanghai Agricultural Commercial Bank leading the drop [1] - The Shanghai Composite Index closed at 3996.94, up 1.18%, while the Shenzhen Component Index closed at 13489.4, up 1.51% [1] Stock Performance - The closing prices and performance of key agricultural commercial banks are as follows: - Yunnan Agricultural Commercial Bank (601077) closed at 7.03, up 1.44% with a trading volume of 651,800 shares and a transaction value of 455 million [1] - Wuxi Bank (600908) closed at 6.18, up 0.32% with a trading volume of 176,600 shares and a transaction value of 109 million [1] - Zhangjiagang Bank (002839) closed at 4.54, up 0.22% with a trading volume of 373,600 shares and a transaction value of 170 million [1] - Other banks like Su Nong Bank (603323) and Zijin Bank (601860) saw declines of 0.19% and 0.34% respectively [1] Fund Flow Analysis - The agricultural commercial bank sector saw a net inflow of 24.73 million from institutional investors and 41.41 million from retail investors, while retail investors had a net outflow of 66.14 million [1] - Detailed fund flow for specific banks indicates: - Jiangyin Bank (002807) had a net inflow of 9.34 million from institutional investors and a net outflow of 18.65 million from retail investors [2] - Wuxi Bank (600908) had a net inflow of 8.72 million from institutional investors and a net outflow of 10.73 million from retail investors [2] - Other banks like Zijin Bank (601860) and Yunnan Agricultural Commercial Bank (601077) also experienced mixed fund flows with significant retail outflows [2]

Investment Rating - The investment rating for the industry is "Positive" (maintained) [1] Core Insights - The report highlights that retail non-performing loan (NPL) rates and generation rates are currently high, indicating ongoing pressure on bank profitability. Despite a low overall NPL rate, the retail sector shows signs of risk, with a marginal increase in the NPL rate to 1.28% [14][15] - The transition period for new risk regulations is nearing its end, with concerns about the impact on banks' provisioning levels. However, the report suggests that the actual impact may be less severe than market expectations [16] - The trend of de-collateralization in bank lending is evident, driven by both business characteristics and strategic choices made by banks to reduce reliance on collateralized loans [17] Summary by Sections 1. Retail NPL and Generation Rates - The retail NPL rate has increased to 1.28%, with a steepening curve indicating ongoing risk. The generation rate for retail loans remains high, with significant increases noted in certain banks [14][18] - The report indicates that while the overall NPL rate is low, the divergence between overdue and NPL indicators suggests underlying risks in the retail sector [19] 2. Impact of New Risk Regulations - The new risk regulations will require banks to classify impaired loans as NPLs, potentially increasing reported NPL rates. However, the report anticipates that the actual provisioning pressure may be manageable [16][17] 3. De-Collateralization in Lending - The report notes a significant decline in the proportion of collateralized loans, with banks shifting towards non-collateralized lending strategies. This shift is influenced by the need to manage risk more effectively [17][18] 4. Investment Recommendations - The report recommends certain state-owned banks due to their customer base advantages and manageable retail risk pressures. It also highlights specific banks such as CITIC Bank and Agricultural Bank of China as beneficiaries of this trend [6]