在立足常熟、深耕本地的同时，常熟银行也将服务网络不断向外延伸。 2019年，常熟银行发起成立全国首家投资管理型村镇银行——兴福村镇银行，以此加强对村镇银行的集约化管理和专业化服务。如今，全国31家兴福村镇银行扎根乡镇，下沉服务，将网点贴近金 与此同时，常熟银行持续推进村镇银行改革提升，通过吸收合并村镇银行、改设分支机构，快速渗透县域市场，打开发展空间，同时优化资源配置，降低综合管理成本。 2022年，常熟银行完成首单村镇银行的收购。2024年，常熟银行完成江苏省内首家"村改支"，落地湖北4家兴福体系村镇银行的"四合一"整合工作。 2025年9月30日，江苏常熟农村商业银行股份有限公司迎来上市9周年。9年来：资产规模实现从"千亿元"到"四千亿元"的跃迁；累计现金分红超55亿元，平均分红比例超28%；市净率跻身行业 从2001年改制成立，到2016年上市蝶变，再到如今的普惠金融标杆，回顾常熟银行的成长史，三把成功钥匙熠熠生辉：一是坚持，坚持服务"三农两小"的市场定位；二是传承，传承普惠金融初 九载资本市场成长路，常熟银行用业绩证明：中小银行不必追逐"大而全"，走特色化发展道路也能在激烈的市场竞争中开辟广阔天地。站 ...

□ 截至今年6月末，常熟银行总资产突破4000亿元大关，总存款突破3000亿元，总贷款突破2500亿元 □ 截至今年6月末，常熟银行不良贷款率为0.76%，拨备覆盖率为489.53%，构筑起坚实的风险防线 ◎记者 陈佳怡 2025年9月30日，江苏常熟农村商业银行股份有限公司（下称"常熟银行"）迎来上市9周年。9年来：资 产规模实现从"千亿元"到"四千亿元"的跃迁；累计现金分红超55亿元，平均分红比例超28%；市净率跻 身行业前列…… 从2001年改制成立，到2016年上市蝶变，再到如今的普惠金融标杆，回顾常熟银行的成长史，三把成功 钥匙熠熠生辉：一是坚持，坚持服务"三农两小"的市场定位；二是传承，传承普惠金融初心使命；三是 创新，持续创新金融服务生态。 九载资本市场成长路，常熟银行用业绩证明：中小银行不必追逐"大而全"，走特色化发展道路也能在激 烈的市场竞争中开辟广阔天地。站在新的起点，常熟银行的目标愈发清晰——立志成为农村金融的领跑 者、普惠金融的标杆行，并朝着这一目标稳步前行。 战略定力铸就价值认可 2001年11月28日，常熟银行由常熟市农村信用合作社联合社改制成立，成为全国首批组建的股份制农村 金融 ...

Core Viewpoint - Changshu Rural Commercial Bank is deepening its network layout in Jiangsu province through the absorption and merger of village banks, while facing challenges in profitability and asset quality in its non-local operations [1][3][9]. Group 1: Expansion Strategy - The bank has successfully integrated seven village banks into its network this year, with a focus on expanding its presence in southern, central, and northern Jiangsu [3][4]. - The bank's strategy includes a shift from "scale priority" to "quality breakthrough," as it navigates intense competition from other local commercial banks [1][12]. - The bank's total assets reached 63.91 billion yuan, with total deposits of 55.97 billion yuan and total loans of 43.41 billion yuan as of the reporting period [5]. Group 2: Financial Performance - In the first half of 2025, the bank achieved operating income of 6.062 billion yuan, a year-on-year increase of 10.1%, and a net profit attributable to shareholders of 1.969 billion yuan, up 13.51% [8][9]. - The bank's revenue from non-interest income grew by 57.26% to 1.422 billion yuan, contributing to 23.46% of total revenue [10]. - However, there is a noticeable decline in revenue and profit contributions from non-local operations, with a drop of 6.66 percentage points in revenue share compared to the previous year [9][10]. Group 3: Asset Quality and Regional Disparities - The bank's non-performing loan (NPL) ratio in Changshu is 0.50%, while it has risen to 0.85% in other regions of Jiangsu [10][11]. - The bank's strategy to enhance asset quality includes replicating successful local risk control models in its non-local branches [11]. - Analysts suggest that the bank should focus on quality improvement and risk management as it continues its expansion [11][12]. Group 4: Competitive Landscape - The bank faces significant competition from other local banks in Jiangsu, which are also targeting the same customer segments [12][13]. - The bank aims to differentiate itself by leveraging big data and AI to enhance its services for small and micro enterprises [13]. - Future strategies include focusing on high-quality, localized financial products tailored to the specific needs of different regions [13].

Group 1 - The core viewpoint of the news is that Changshu Bank has demonstrated strong financial performance in the first half of 2025, with significant growth in both revenue and net profit, indicating robust operational resilience [1] - In the first half of 2025, Changshu Bank achieved operating income of 6.062 billion yuan, a year-on-year increase of 10.1%, and a net profit attributable to shareholders of 1.969 billion yuan, up 13.51% [1] - The bank's interim profit distribution plan includes a cash dividend of 0.15 yuan per share, totaling 499 million yuan, which represents 25.27% of the net profit attributable to shareholders [1] Group 2 - Changshu Bank is focusing on five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance, to enhance financial services for the real economy [2] - The bank has opened new branches in Nanjing Jiangning, Suqian Shucheng, and Yangzhou Baoying, aiming to expand its market presence and coverage in regional development [2] - The bank plans to continue improving the quality of its services to the real economy through steady operational strategies and ongoing reform initiatives [2]

Group 1 - Jiangsu Changshu Rural Commercial Bank has opened new branches in Nanjing, Suqian, and Yangzhou, expanding its development footprint in Jiangsu province [1][2] - The opening of the Jiangning branch marks a strategic breakthrough for Changshu Bank, being its first establishment in the provincial capital of Nanjing, enhancing its regional layout [1] - The bank aims to provide inclusive financial services and support local economic development through specialized financial offerings, including inclusive finance, technology finance, digital finance, pension finance, and green finance [1] Group 2 - The Baoying branch in Yangzhou and the Sucheng branch in Suqian opened on June 30, 2023, reinforcing the bank's commitment to serving local economies and filling service gaps in these regions [2] - The Sucheng branch's rebranding focuses on understanding local customer needs and enhancing brand influence in the regional market [2] - Changshu Bank plans to strengthen its mission to support agriculture and small enterprises, optimizing its network in Nanjing, Yangzhou, and Suqian to drive sustainable development and contribute to Jiangsu's high-quality growth [2]

Core Points - Jiangsu Changshu Rural Commercial Bank has opened three new branches in Nanjing, Suqian, and Yangzhou following the absorption of three village banks [1][2] - The opening of these branches expands the bank's development footprint in Jiangsu province [1] - The bank aims to enhance its agricultural and small business support missions through differentiated financial services [2] Summary by Sections - **Branch Openings** - The bank has officially opened new branches in Nanjing Jiangning, Suqian Sucheng, and Yangzhou Baoying after receiving regulatory approval for the absorption of three village banks [1] - **Strategic Goals** - The new branches are part of the bank's strategy to deepen its market presence in Nanjing and optimize its network layout in Yangzhou and Suqian [2] - The bank is committed to providing more business momentum for sustainable development and contributing to the high-quality development of Jiangsu [2]