2024 年第一次临时股东大会会议资料 江苏常熟农村商业银行股份有限公司 2024 年第一次临时股东大会 会议资料 2024 年 11 月 6 日 2024 年第一次临时股东大会会议资料 目 录 | 股东大会议程 2 | | --- | | 股东大会会议须知 3 | | 吸收合并江苏丹徒蒙银村镇银行股份有限公司并设立分支机构 4 | 1 2024 年第一次临时股东大会会议资料 股东大会议程 二、审议各项议案 1、吸收合并江苏丹徒蒙银村镇银行股份有限公司并设立分支机构 2 三、股东质询 四、投票表决、计票 五、宣布表决结果 六、律师宣读法律意见书 七、大会结束 2024 年第一次临时股东大会会议资料 江苏常熟农村商业银行股份有限公司 股东大会会议须知 为维护全体股东的合法权益，确保股东大会的正常秩序和议事效率，保证股 东大会的顺利召开，根据中国证监会《上市公司股东大会规则》、本行《章程》 和《股东大会议事规则》等规定，特制定本须知。 一、本行根据《公司法》、《证券法》、《上市公司股东大会规则》和本行 《章程》的规定，认真做好召开股东大会的各项工作。 会议时间：2024 年 11 月 6 日（星期三）上午 10: ...

证券代码：601128 证券简称：常熟银行 公告编号：2024-035 转债代码：113062 转债简称：常银转债 2024 年第三季度转股情况：2024 年 7 月 1 日至 2024 年 9 月 30 日，累 计有人民币 15,000 元常银转债转为本行 A 股普通股，累计转股股数为 2,175 股。 未转股可转债情况：截至 2024 年 9 月 30 日，尚未转股的常银转债金额 为人民币 5,999,704,000 元，占常银转债发行总量的比例为 99.9951%。 一、可转债发行上市概况 经中国证券监督管理委员会"证监许可〔2022〕1688 号"文核准，本行于 2022 年 9 月 15 日公开发行了 6,000 万张 A 股可转换公司债券，每张面值 100 元， 发行总额 60 亿元，期限 6 年，票面利率第一年为 0.20%、第二年为 0.40%、第三 年为 0.70%、第四年为 1.00%、第五年为 1.30%、第六年为 1.80%。 经上海证券交易所自律监管决定书〔2022〕269 号文同意，本行 60 亿元 A 股 可转换公司债券于 2022 年 10 月 17 日起在上交所挂牌交易，债券 ...

Summary of Changshu Bank's Conference Call Company Overview - **Company**: Changshu Bank - **Period**: First half of 2024 Key Financial Metrics - **Revenue**: Achieved revenue of 5.506 billion yuan, a year-on-year increase of 12.03% [1][2] - **Net Profit**: Reached 1.734 billion yuan, up 19.58% year-on-year [1][2] - **Return on Equity (ROE)**: Annualized ROE of 13.28%, an increase of 0.88 percentage points year-on-year [1][2] - **Return on Assets (ROA)**: Annualized ROA of 1.08%, up 0.04 percentage points year-on-year [1][2] - **Total Assets**: 367.3 billion yuan, a growth of 9.8% from the beginning of the year [1][2] - **Total Loans**: 238.9 billion yuan, an increase of 7.42% year-to-date [1][2] - **Total Deposits**: 282.8 billion yuan, up 14.04% from the start of the year [1][2] Asset Quality - **Non-Performing Loan (NPL) Ratio**: 0.76%, an increase of 0.01 percentage points from the beginning of the year [1][3] - **Provision Coverage Ratio**: 538.81%, up 0.93 percentage points year-to-date [1][3] Brand Strength and Recognition - **Awards**: Ranked first in the county-level rural commercial bank category by the China Banking Association for six consecutive times [1][3] - **Global Ranking**: Ranked 385th in The Banker magazine's global ranking and included in the Global 500 for six consecutive years [1][3] - **Credit Rating**: Achieved the highest credit rating of AAA [1][3] Strategic Initiatives - **Core Business Focus**: Emphasized financial services for the real economy and maintained a balanced approach between local and non-local business [1][4] - **Cost Efficiency**: Reduced cost-to-income ratio to 35.18%, a decrease of 1.69 percentage points from the previous year [1][4] - **Risk Management**: Enhanced risk management through financial technology, maintaining a low NPL ratio and high provision coverage [1][4] Future Work Focus - **Asset Expansion**: Aim to increase the number of clients and expand credit business, particularly targeting small and micro enterprises [1][5] - **Liability Optimization**: Focus on low-cost funding channels and implement differentiated pricing strategies [1][6] - **Customer Service Enhancement**: Build specialized teams to improve marketing effectiveness and explore new business opportunities [1][6] - **Risk Control and Compliance**: Strengthen risk model strategies and enhance compliance measures to improve decision-making efficiency [1][6]

证券代码：601128 证券简称：常熟银行 公告编号：2024-034 江苏常熟农村商业银行股份有限公司 首次公开发行限售股（自律锁定）上市流通公告 江苏常熟农村商业银行股份有限公司（以下简称"本行"）董事会及全体董事 保证本公告内容不存在任何虚假记载、误导性陈述或者重大遗漏，并对其内容的 真实性、准确性和完整性承担个别及连带责任。 重要内容提示： 本次股票上市类型为首发股份；股票认购方式为网下，上市股数为 107,261,911 股。 本次股票上市流通总数为 107,261,911 股。 本次股票上市流通日期为 2024 年 9 月 30 日。 一、本次限售股上市类型：首次公开发行限售股（自律锁定） 经中国证券监督管理委员会《关于核准江苏常熟农村商业银行股份有限公司 首次公开发行股票的批复》（证监许可[2016]1660 号）核准，本行首次公开发行人 民币普通股（A 股）222,272,797 股，并于 2016 年 9 月 30 日在上海证券交易所挂 牌上市。本行首次公开发行前总股本为 2,000,455,172 股，首次公开发行后总股 本为 2,222,727,969 股。 本行首发上市前持股超过 5 ...

中信证券股份有限公司关于 首次公开发行限售股（自律锁定）上市流通之核查意见 根据《证券发行上市保荐业务管理办法》《上海证券交易所股票上市规则》 和《上海证券交易所上市公司自律监管指引第 11 号——持续督导》等有关规定， 作为江苏常熟农村商业银行股份有限公司（以下简称"常熟银行""发行人"）2022 年度公开发行可转换公司债券的保荐机构，中信证券股份有限公司（以下简称"中 信证券"）对常熟银行首次公开发行限售股（自律锁定）上市流通的事项进行了 核查，核查情况如下： 一、本次限售股上市类型 经中国证券监督管理委员会《关于核准江苏常熟农村商业银行股份有限公司 首次公开发行股票的批复》（证监许可[2016]1660 号）核准，常熟银行首次公开 发行人民币普通股（A 股）222,272,797 股，并于 2016 年 9 月 30 日在上海证券 交易所挂牌上市。常熟银行首次公开发行前总股本为 2,000,455,172 股，首次公 开发行后总股本为 2,222,727,969 股。 常熟银行首发上市前持股超过 5 万股的员工股东持有的股份，锁定期为三年， 至 2019 年 9 月 30 日，三年锁定期已满，剩余限售股 ...

https://roadshow.sseinfo.com/） 江苏常熟农村商业银行股份有限公司（以下简称"本行"）董事会及全体董 事保证本公告内容不存在任何虚假记载、误导性陈述或者重大遗漏，并对其内容 的真实性、准确性和完整性承担个别及连带责任。 证券代码：601128 证券简称：常熟银行 公告编号：2024-033 重要内容提示： 江苏常熟农村商业银行股份有限公司 关于召开 2024 年半年度业绩说明会的公告 （二）会议召开地点：上海证券交易所上证路演中心（网址： http://roadshow.sseinfo.com/） （三）会议召开方式：上证路演中心视频录播和网络互动 会议召开方式：上证路演中心视频录播和网络互动 投资者可于 2024 年 09 月 19 日(星期四)至 09 月 25 日(星期三)16:00 前 登录上证路演中心网站首页点击"提问预征集"栏目或通过本行投资者关系邮箱： 601128@csrcbank.com 进行提问。本行将在 2024 年半年度业绩说明会（以下简 称"业绩说明会"）上对投资者普遍关注的问题进行回答。 本行已于 2024 年 8 月 21 日在上海证券交易所网站（ww ...

Investment Rating - The investment rating for the company is "Buy" (maintained) [1][3]. Core Views - The company has demonstrated stable high growth in performance, with asset quality remaining robust. The net profit for the first half of 2024 increased by 19.6% year-on-year, while revenue grew by 12.0% [2][3]. - The company has a unique competitive advantage through its "Changnong Microloan Model," focusing on small and micro enterprises, which has led to a leading growth rate in performance compared to peers [3][22]. Summary by Sections Performance and Growth - In the first half of 2024, the company achieved revenue of 5.506 billion yuan, a year-on-year increase of 12.0%, with net profit reaching 1.734 billion yuan, up 19.6% [2][7]. - The growth in performance is attributed to several factors: 1. "Volume compensating for price," with net interest income forming the performance base, contributing 15.5 percentage points to performance [8]. 2. Investment income driving other non-interest income, contributing 5.5 percentage points [8]. 3. Cost optimization leading to an 11.1 percentage point positive contribution to profit [8]. 4. Increased provisioning impacting performance, with provisioning negatively affecting profit by 4.0 percentage points [8]. Credit and Deposit Trends - The total loans and advances reached 238.9 billion yuan, a year-on-year increase of 11.3%, with corporate loans growing by 14.0% and personal loans by 6.9% [10][12]. - The deposit balance increased by 16.7% year-on-year, driven primarily by a 26.6% growth in personal time deposits, indicating a trend towards more time deposits [12][13]. Asset Quality - The asset quality remains stable, with non-performing loan (NPL) ratios at 0.76%, slightly up from the end of 2023 [19][21]. - The company has a provisioning coverage ratio of 539%, indicating strong risk mitigation capabilities [21][22]. Future Outlook - The company is expected to maintain a high growth trajectory, with projected net profit growth rates of 17.4%, 16.0%, and 15.2% for 2024-2026 [3][22]. - The price-to-book (PB) ratios are forecasted to be 0.67, 0.60, and 0.54 for the same period [3][22].

| 证券代码：601128 | 证券简称：常熟银行 公告编号：2024-032 | | --- | --- | | 转债代码：113062 | 转债简称：常银转债 | 江苏常熟农村商业银行股份有限公司 关于"常银转债"2024 年付息事宜的公告 江苏常熟农村商业银行股份有限公司（以下简称"本行"）董事会及全体董 事保证本公告内容不存在任何虚假记载、误导性陈述或者重大遗漏，并对其内容 的真实性、准确性和完整性承担个别及连带责任。 重要内容提示： 本行于 2022 年 9 月 15 日公开发行的 60 亿元 A 股可转换公司债券（以下简 称"常银转债""可转债"或"本期债券"）将于 2024 年 9 月 18 日（因 2024 年 9 月 15 日为法定节假日，付息日顺延至下一交易日，即 2024 年 9 月 18 日） 支付自 2023 年 9 月 15 日至 2024 年 9 月 14 日期间的利息。根据《江苏常熟农村 商业银行股份有限公司公开发行 A 股可转换公司债券募集说明书》（以下简称 "《募集说明书》"）有关条款的规定，现将有关事项公告如下： 一、本期债券基本情况 1、债券名称：江苏常熟农村商业银行股 ...

Group 1: Financial Performance - The bank's revenue and net profit for the first half of 2024 showed significant growth, driven by a 14.04% increase in deposits and a 7.42% increase in loans as of June 2024 [3][4] - The bank's non-interest income has diversified, contributing to overall revenue growth through the expansion of light capital business [3] - Cost control measures, including leveraging technology to enhance productivity, have led to a steady decline in the cost-to-income ratio [3] Group 2: Risk Management - As of June 2024, the bank reported a non-performing loan (NPL) ratio of 0.76% and a provision coverage ratio of 538.81%, indicating strong asset quality [4][5] - The bank employs a comprehensive risk management model that includes pre-, during-, and post-risk management strategies to maintain asset quality [5] Group 3: Interest Margin Outlook - The decline in net interest margin this year is attributed to competitive pressures and insufficient credit demand, leading to a decrease in the yield on interest-earning assets [4] - The bank plans to optimize its deposit structure and enhance the stability of corporate settlement deposits to control funding costs, with expectations for a relatively stable net interest margin in the second half of the year [4]

Investment Rating - The report maintains a "Buy" rating for the company, indicating an expected relative increase of over 15% compared to the CSI 300 index in the next six months [4][5]. Core Insights - The company reported a significant increase in revenue and net profit for the first half of 2024, with revenue reaching 5.506 billion yuan, up 12.03% year-on-year, and net profit attributable to shareholders at 1.734 billion yuan, up 19.58% year-on-year [2]. - The return on equity (ROE) was 13.28%, an increase of 0.88 percentage points compared to the previous year [2]. - The non-performing loan ratio stood at 0.76%, with a provision coverage ratio of 538.81%, reflecting strong asset quality and risk mitigation capabilities [2]. Summary by Sections Financial Performance - For the first half of 2024, the company achieved a revenue of 5.506 billion yuan and a net profit of 1.734 billion yuan, marking year-on-year growth rates of 12.03% and 19.58% respectively [2]. - The company's total assets reached 367.303 billion yuan, a year-on-year increase of 9.82% [2]. - The growth in interest income and non-interest income was driven by expansion and investment gains, with interest income at 4.602 billion yuan (up 6.10%) and non-interest income at 904 million yuan (up 56.59%) [2]. Asset Quality - The company maintained a non-performing loan ratio of 0.76% and a provision coverage ratio of 538.81%, indicating robust asset quality [2]. - The company’s total deposits reached 282.760 billion yuan, a year-on-year increase of 14.04% [2]. Future Projections - Revenue is projected to grow at rates of 12.09%, 11.03%, and 12.90% for 2024, 2025, and 2026 respectively, while net profit is expected to grow by 20.37%, 16.21%, and 16.92% in the same years [3]. - The projected book value per share (BVPS) for the next three years is 8.27 yuan, 9.46 yuan, and 10.94 yuan, with corresponding price-to-book (P/B) ratios of 0.78, 0.68, and 0.59 [3].