实体经济服务力度持续加大，数字化转型成效显著，苏州银行（002966）在区域经济高质量发展中稳步 前行。 苏州银行交出了一份稳健的中期成绩单。2025年上半年，该行实现营业收入65.04亿元，同比增长 1.81%；净利润同比增长6.41%，实现归属于母公司股东的净利润31.34亿元，同比增长6.15%。 截至6月末，苏州银行总资产达到7549.74亿元，较上年末增长8.83%。各项存款余额4627.52亿元，增长 10.98%；各项贷款余额3634.97亿元，增长9.04%。 业务规模稳健增长，盈利能力持续增强 2025年上半年，苏州银行资产规模保持稳健增长，资产质量保持稳定，不良贷款率为0.83%，与上年末 持平；拨备覆盖率为437.91%，拨贷比为3.63%，风险抵补能力充足。 利息净收入仍是营业收入的主要来源。报告期内，该行实现利息净收入42.63亿元，较上年同期增加1.13 亿元，增幅2.72%。 苏州银行中报净息差1.33%，较上年末下降5个BP，较一季度仅下降1个BP，息差降幅收窄明显。 非利息收入保持稳定，实现22.41亿元，较上年同期增加0.03亿元。其中手续费及佣金净收入7.35亿元， 较上 ...

Group 1: Loan Performance - As of the end of Q1 2025, the total loan balance reached CNY 362.89 billion, an increase of CNY 29.53 billion from the beginning of the year, representing a growth rate of 8.86% [1] - The bank aims to maintain steady growth in loan scale throughout the year by optimizing credit structure and focusing on regional development [1] Group 2: Fee and Commission Income - In Q1 2025, the bank achieved a good year-on-year growth in fee and commission income by focusing on both corporate and retail sectors [2] - The bank plans to expand its sources of non-interest income by enhancing wealth management services and actively engaging in new business areas such as government bond sales and non-financial corporate bond underwriting [2] Group 3: Asset Quality - As of the end of Q1 2025, the non-performing loan (NPL) ratio stood at 0.83%, indicating a strong asset quality compared to industry standards [2] - The bank has established a comprehensive risk management system to enhance the foresight and effectiveness of risk management, aiming to maintain stable asset quality throughout the year [2] Group 4: Compliance and Communication - During the investor relations activity, the company ensured thorough communication with investors, adhering strictly to regulations without disclosing any undisclosed significant information [2]

Core Points - The company is preparing for its 2024 Annual General Meeting (AGM) to ensure the protection of shareholders' rights and maintain order during the meeting [1][2] - The meeting will allow shareholders to exercise their rights, including speaking, questioning, and voting on proposals [2][3] - The company emphasizes the importance of orderly conduct and has set rules for participation and voting procedures [4][5] Meeting Procedures - Shareholders must register to speak before the meeting starts, with a time limit of 3 minutes per speaker and a total of 15 minutes for all speakers [2][3] - Voting will be conducted by a named ballot, where shareholders can express their opinions as "agree," "disagree," or "abstain" [2][4] - Latecomers will not be allowed to vote, and any unsubmitted or improperly filled ballots will be considered as abstentions [3][4] Financial Performance - In 2024, the company achieved a consolidated revenue of 24.735 billion yuan and a net profit attributable to shareholders of 5.211 billion yuan, with basic earnings per share of 0.21 yuan [6] - The company maintained a weighted average return on equity of 5.08% and received an A-class AA rating for its cultural construction practices [6] Strategic Focus - The company aims to enhance its service to the national strategy by focusing on core responsibilities and optimizing its business model [6][7] - It plans to strengthen its governance structure and improve risk management to support high-quality development [7][14] - The company is committed to increasing its support for small and medium-sized enterprises and enhancing its financial services in key areas [6][10] Governance and Compliance - The board of directors is focused on improving corporate governance and compliance with regulatory requirements, including information disclosure [13][22] - The company has implemented a comprehensive risk management system to address potential risks and ensure compliance with market regulations [14][27] - The board emphasizes the importance of maintaining a strong relationship with investors and enhancing investor relations practices [15][22] Future Plans - The company will continue to prioritize its core business and enhance its competitive edge in the market [18][19] - It aims to innovate its financial products and services to better meet the needs of the economy and society [18][19] - The company plans to deepen its organizational reforms and improve operational efficiency through technology and process optimization [20][21]

答：2025 年，在风险管理方面，公司将持续优化全面风险管 理体系，运用数字化工具强化市场、供应链及合规风险的实时 监测与预警；在内部控制方面，公司将推进关键业务流程自动 化，确保符合监管要求；在公司治理方面，公司也将积极开展 治理层培训，进一步提升治理能力，同时将加强中小股东沟通， 保障中小股东权益。 3、公司在研发上的投入如何？ 证券代码：002912 证券简称：中新赛克 深圳市中新赛克科技股份有限公司投资者关系活动记录表 编号：2025-005 投资者关系活动 类别 ☑特定对象调研 □分析师会议 □媒体采访 □业绩说明会 □新闻发布会 □路演活动 □现场参观 □其他 活动参与人员 调研单位及人员： 华创证券 吴鸣远、祝小茜 公司接待人员： 董事会秘书兼财务总监李斌 时间 2025 年 5 月 27 日下午 15:00-15:30 地点 南京中新赛克科技有限责任公司会议室 形式 现场调研 交流内容及具体 问答记录 互动问答： 1、公司围绕 ToG+ToB 双轮驱动战略目标，具体如何布局？ 答：公司坚持"ToG+ToB"双轮驱动，国内国际均衡发展的整 体战略。公司将加大渠道生态建设力度，确保公司整体战略得 ...