苏州银行(002966) - 2026年1月6日投资者关系活动记录表

Group 1: Credit and Deposit Strategies - The bank has implemented incentive plans to accelerate project preparation for the "opening red" credit reserve, aiming for steady growth in annual credit scale [1] - The bank actively optimizes its liability structure and adjusts deposit pricing strategies to adapt to market interest rate changes, focusing on customer needs and enhancing service quality [1] Group 2: Capital Adequacy and Refinancing Plans - As of September 2025, the bank's core Tier 1 capital adequacy ratio is 9.79%, Tier 1 capital adequacy ratio is 11.55%, and total capital adequacy ratio is 13.57%, all meeting regulatory requirements [2] - The bank plans to closely monitor refinancing policies and continuously optimize its business structure to enhance capital efficiency for sustainable high-quality development [2] Group 3: Investor Communication - During the investor relations activity, the bank's representatives engaged in thorough communication with investors, ensuring compliance with disclosure regulations and preventing the leakage of undisclosed significant information [2]