章程 2025 年 9 月 | | | 江苏江阴农村商业银行股份有限公司 第一章 总则 第一条 为维护江苏江阴农村商业银行股份有限公司（以下简称"本行"）、 股东、职工和债权人的合法权益，规范本行的组织和行为，根据《中国共产党章 程》、《中华人民共和国公司法》（以下简称"《公司法》"）、《中华人民共和国银行 业监督管理法》（以下简称"《银行业监督管理法》"）、《中华人民共和国商业银行 法》（以下简称"《商业银行法》"）、《中华人民共和国证券法》（以下简称"《证券 法》"）、《银行保险机构公司治理准则》和其它有关规定，制定本章程。 本章程是本行的行为准则，对本行及本行股东、董事、行长及其他高级管理 人员具有约束力。 第二条 本行系依据《公司法》、《商业银行法》和其他有关规定成立的股份 有限公司。 本行经中国人民银行（银复[2001]198 号）文批准，由辖内农民、农村工商 户、企业法人和其他经济组织共同以发起方式设立；本行在无锡市数据局注册登 记，并领有统一社会信用代码为 91320000732252764N 的《营业执照》，具有独 立法人资格。 第三条 本行于 2016 年 7 月 21 日经中国证券监督管理 ...

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。 近日，江苏江阴农村商业银行股份有限公司（以下简称"本行"） 收到《无 锡金融监管分局关于江阴农村商业银行修改公司章程的批复》（锡金复﹝2025﹞ 109 号），本行 2025 年第一次临时股东大会审议通过的修订《章程》事项已获核 准，本行随后将履行工商备案等相关手续。 特此公告。 江苏江阴农村商业银行股份有限公司董事会 2025 年 9 月 30 日 证券代码：002807 证券简称：江阴银行 公告编号：2025-031 江苏江阴农村商业银行股份有限公司 关于修订公司章程获核准的公告 ...

Market Performance - The rural commercial bank sector increased by 0.94% on September 29, with Yunnan Rural Commercial Bank leading the gains [1] - The Shanghai Composite Index closed at 3862.53, up 0.9%, while the Shenzhen Component Index closed at 13479.43, up 2.05% [1] Individual Stock Performance - Yunnan Rural Commercial Bank (601077) closed at 6.60, with a rise of 2.17% and a trading volume of 995,000 shares, amounting to a transaction value of 654 million [1] - Other notable performers include Ruifeng Bank (601528) with a 1.13% increase, Wuxi Bank (600908) with a 1.02% increase, and Shanghai Rural Commercial Bank (601825) with a 0.73% increase [1] Capital Flow Analysis - The rural commercial bank sector experienced a net outflow of 66.4588 million from institutional investors, while retail investors saw a net inflow of 22.9898 million [1] - Specific stocks like Qingnong Bank (002958) had a net inflow of 9.1251 million from institutional investors, while Su Nong Bank (603323) had a net inflow of 613.43 million [2] Detailed Capital Flow for Selected Stocks - Yunnan Rural Commercial Bank had a significant net outflow of 50.7024 million from institutional investors, but a net inflow of 54.2507 million from retail investors [2] - Common trends show that while some banks like Zhangjiagang Bank (002839) attracted retail inflows, others like Changshu Bank (601128) faced substantial outflows from institutional investors [2]

Investment Rating - The report maintains a recommendation for the banking industry [3] Core Insights - The report provides a comprehensive analysis of the asset-liability structure and interest margin changes of 42 A-share listed banks during the "14th Five-Year Plan" period, highlighting a shift towards corporate loans on the asset side and a stronger retail focus on the liability side [12][14] - The asset-liability structure indicates a significant increase in the proportion of corporate loans, rising from 57.02% to 63.22% from the end of 2020 to mid-2025, while the proportion of demand deposits decreased from 41.94% to 30% [12][14] - The report notes a decline in both asset yield and interest margin, with the yield on interest-earning assets dropping from 4.43% to 3.32% and the net interest margin decreasing from 2.23% to 1.53% during the same period [14][15] Summary by Sections Overall Asset-Liability Structure and Interest Margin Changes - The asset-liability structure shows an increase in loan-to-earning asset ratio from 54.19% to 56.49%, with corporate loans making up a larger share of total loans [14][15] - The average yield on interest-earning assets decreased significantly, with the loan yield falling from 5.34% to 3.82% [15] - The net interest margin for listed banks remains higher than that of commercial banks, despite a decline [14][15] Changes in Each Banking Sector's Asset-Liability Structure and Interest Margin - City commercial banks experienced a more significant increase in the proportion of corporate loans, with their interest margin narrowing less compared to other banks [18] - The report highlights that the proportion of deposits in interest-bearing liabilities for state-owned banks decreased, while it increased for rural commercial banks [18] - The decline in interest-bearing liabilities' cost rate was most pronounced in city commercial banks, leading to a smaller reduction in their interest margin [18]

Core Viewpoint - The recent institutional research conducted on Guiyang Bank by three major institutions has raised concerns among the market and investors regarding the value of such research, as the responses provided were largely derived from the bank's half-year report, leading to accusations of superficiality in the process [1][2]. Group 1: Institutional Research and Market Reactions - The institutional research involved inquiries about deposit growth, liability cost management, and the bank's performance outlook, but the responses were deemed insufficiently informative, prompting skepticism from investors [1][2]. - A total of 42 listed banks have been subjected to 388 institutional research sessions this year, with key issues such as interest margin contraction and performance stability being focal points of interest [1]. - Other banks, such as Jiangyin Bank and Qingdao Bank, have also faced similar criticisms for providing generic responses that lack substantive content during their investor relations activities [1]. Group 2: Regulatory and Disclosure Obligations - According to regulatory requirements, listed companies must disclose investor relations activity records, which should include comprehensive details of the questions asked and the responses given, rather than selectively omitting significant information [3][4]. - Legal experts emphasize that companies are obligated to provide full disclosure of their investor relations activities, and failure to do so could undermine investor rights and market transparency [3][4]. Group 3: Recommendations for Improvement - Listed banks are encouraged to enhance their engagement with investors by collecting core concerns through surveys and actively addressing operational pain points during research sessions [4][5]. - It is suggested that banks provide differentiated information beyond what is already disclosed in annual reports, including dynamic changes and logical interpretations, to avoid vague responses [4][5]. - Establishing a pre-review system for research content and ensuring that senior management verifies the authenticity of responses are recommended to improve the quality of disclosures [5].

证券日报网讯江阴银行（002807）9月26日在互动平台回答投资者提问时表示，关于2025年中期分红具 体方案请持续关注本行的信息披露。 ...

Market Overview - On September 26, the rural commercial bank sector declined by 0.74% compared to the previous trading day, with XD Hu Nong leading the decline [1] - The Shanghai Composite Index closed at 3828.11, down 0.65%, while the Shenzhen Component Index closed at 13209.0, down 1.76% [1] Individual Stock Performance - The following stocks in the rural commercial bank sector showed varying performance: - Chongqing Rural Commercial Bank (601077) closed at 6.46, up 2.38% with a trading volume of 730,200 shares [1] - Wuxi Bank (600908) closed at 5.88, up 0.68% with a trading volume of 127,700 shares [1] - Su Nong Bank (603323) closed at 5.02, up 0.60% with a trading volume of 167,700 shares [1] - Zhangjiagang Bank (002839) closed at 4.32, up 0.47% with a trading volume of 193,000 shares [1] - Ruifeng Bank (601528) closed at 5.32, up 0.38% with a trading volume of 95,700 shares [1] - Other banks like Jiangyin Bank (002807) and Changshu Bank (601128) showed minor fluctuations [1] Capital Flow Analysis - The rural commercial bank sector experienced a net outflow of 30.21 million yuan from institutional investors and 22.38 million yuan from retail investors, while retail investors saw a net inflow of 52.59 million yuan [1] - Specific capital flows for individual banks include: - Changshu Bank (601128) had a net inflow of 8.26 million yuan from institutional investors but a net outflow of 34.30 million yuan from retail investors [2] - Zijin Bank (601860) saw a net inflow of 7.99 million yuan from institutional investors [2] - Other banks like Su Nong Bank (603323) and Zhangjiagang Bank (002839) experienced significant net outflows from institutional investors [2]

Market Overview - On September 25, the rural commercial bank sector declined by 1.62%, with Chongqing Rural Commercial Bank leading the drop [1] - The Shanghai Composite Index closed at 3853.3, down 0.01%, while the Shenzhen Component Index closed at 13445.9, up 0.67% [1] Individual Stock Performance - The closing prices and changes for key rural commercial banks are as follows: - Hu Nong Commercial Bank: 8.62, down 0.58% - Qing Nong Commercial Bank: 3.14, down 0.95% - Su Nong Bank: 4.99, down 0.99% - Wuxi Bank: 5.84, down 1.02% - Rui Feng Bank: 5.30, down 1.12% - Zhangjiagang Bank: 4.30, down 1.15% - Jiangyin Bank: 4.50, down 1.32% - Zijin Bank: 2.81, down 1.75% - Changshu Bank: 6.96, down 2.11% - Chongqing Rural Commercial Bank: 6.31, down 3.52% [1] Capital Flow Analysis - The rural commercial bank sector experienced a net outflow of 3.11 million yuan from main funds, while speculative funds saw a net inflow of 5.88 million yuan, and retail investors had a net outflow of 2.77 million yuan [1] - Detailed capital flow for individual banks shows: - Jiangyin Bank: Main funds net inflow of 12.09 million yuan, retail net outflow of 14.79 million yuan - Wuxi Bank: Main funds net inflow of 11.99 million yuan, retail net outflow of 8.76 million yuan - Su Nong Bank: Main funds net inflow of 11.61 million yuan, retail net outflow of 8.11 million yuan - Chongqing Rural Commercial Bank: Main funds net outflow of 27.42 million yuan, retail net inflow of 34.26 million yuan - Zijin Bank: Main funds net outflow of 33.66 million yuan, retail net inflow of 16.64 million yuan [2]

Market Performance - The rural commercial bank sector increased by 1.75% on September 24, with Yunnan Rural Commercial Bank leading the gains [1] - The Shanghai Composite Index closed at 3853.64, up 0.83%, while the Shenzhen Component Index closed at 13356.14, up 1.8% [1] Individual Stock Performance - Yunnan Rural Commercial Bank (601077) closed at 6.54, up 1.87% with a trading volume of 853,400 shares and a transaction value of 559 million [1] - Changshu Bank (601128) closed at 7.11, up 1.57% with a trading volume of 412,600 shares and a transaction value of 291 million [1] - Shanghai Rural Commercial Bank (601825) closed at 8.67, up 0.70% with a trading volume of 244,700 shares and a transaction value of 212 million [1] - Jiangyin Bank (002807) closed at 4.56, up 0.44% with a trading volume of 258,000 shares and a transaction value of 118 million [1] - Qingnong Commercial Bank (002958) closed at 3.17, down 0.31% with a trading volume of 435,000 shares and a transaction value of 138 million [1] Fund Flow Analysis - The rural commercial bank sector experienced a net outflow of 639,800 yuan from main funds, while retail funds saw a net inflow of 28.92 million yuan [1] - Individual stock fund flows showed that Changshu Bank had a main fund net inflow of 22.92 million yuan, while Yunnan Rural Commercial Bank had a net inflow of 9.09 million yuan from main funds [2] - Jiangyin Bank experienced a significant net outflow of 18.43 million yuan from main funds, indicating a potential concern among investors [2]

Market Performance - On September 22, the rural commercial bank sector rose by 0.05% compared to the previous trading day, with Shanghai Rural Commercial Bank leading the gains [1] - The Shanghai Composite Index closed at 3828.58, up 0.22%, while the Shenzhen Component Index closed at 13157.97, up 0.67% [1] Individual Stock Performance - Shanghai Rural Commercial Bank (601825) closed at 65.8, with a gain of 1.30% and a trading volume of 301,400 shares, amounting to a transaction value of 258 million yuan [1] - Other notable performances include: - Chongqing Rural Commercial Bank (601077) at 6.27, up 0.16% [1] - Qingdao Rural Commercial Bank (002958) at 3.17, unchanged [1] - Zhangjiagang Bank (002839) at 4.32, down 0.23% [1] - Zijin Bank (601860) at 2.86, down 0.69% [1] - Ruifeng Bank (601528) at 5.31, down 0.93% [1] - Wuxi Bank (600908) at 5.84, down 1.02% [1] - Sunong Bank (603323) at 4.98, down 1.39% [1] - Changshu Bank (601128) at 6.95, down 1.56% [1] - Jiangyin Bank (002807) at 4.52, down 1.74% [1] Capital Flow Analysis - The rural commercial bank sector experienced a net inflow of 61.3 million yuan from institutional investors, while retail investors saw a net inflow of 291,200 yuan [1] - Notable capital flows for individual stocks include: - Shanghai Rural Commercial Bank had a net outflow of 35.5 million yuan from institutional investors [2] - Zijin Bank saw a net inflow of 17.5 million yuan from institutional investors [2] - Changshu Bank had a net inflow of 13.0 million yuan from institutional investors [2] - Wuxi Bank had a net inflow of 10.6 million yuan from institutional investors [2] - Jiangyin Bank experienced a net outflow of 11.5 million yuan from institutional investors [2]