浙江绍兴瑞丰农村商业银行股份有限公司 2025 年第一次临时股东大会的 法 律 意 见 书 致:浙江绍兴瑞丰农村商业银行股份有限公司 江苏世纪同仁律师事务所关于 根据《公司法》等法律、法规和规范性文件以及公司章程的规定,本所受公 司董事会的委托,指派本所律师出席公司 2025年第一次临时股东大会,并就本次 股东大会的召集、召开程序、出席会议人员资格、表决程序以及表决结果的合法 有效性等事项出具法律意见书。 本所律师根据相关法律、法规和规范性文件的要求,按照律师行业公认的业 务标准、道德规范和勤勉尽责精神,出具法律意见如下: 一、关于本次股东大会的召集、召开程序 1. 本次股东大会的召集 本次股东大会由公司董事会召集。2025年8月27日,公司在上海证券交易所 网站(www.sse.com.cn)和《中国证券报》《上海证券报》《证券时报》刊登了 《浙江绍兴瑞丰农村商业银行股份有限公司关于召开 2025年第一次临时股东大会 的通知》。 上述会议通知中载明了本次股东大会的召开时间、地点、会议审议事项、会 议出席对象和会议登记方法等内容,还提供了网络投票方式,载明了参与网络投 票的投票程序等内容。 经查,公司在规定时 ...

证券代码：601528 证券简称：瑞丰银行 公告编号：2025-026 浙江绍兴瑞丰农村商业银行股份有限公司 2025年第一次临时股东大会决议公告 本次股东大会由本行董事会召集，由董事长吴智晖主持，采取现场和网络投 1 (一) 股东大会召开的时间：2025 年 9 月 11 日 (二) 股东大会召开的地点：浙江省绍兴市柯桥区笛扬路 1363 号瑞丰银行三楼 一号会议室 票相结合的方式召开。本次股东大会的召集、召开及表决方式符合《公司法》等 法律、法规及本行《章程》的规定。 本次会议是否有否决议案：无 一、 会议召开和出席情况 (三) 出席会议的普通股股东和恢复表决权的优先股股东及其持有股份情况： | 1、出席会议的股东和代理人人数 | 393 | | --- | --- | | 2、出席会议的股东所持有表决权的股份总数（股） | 880,434,684 | | 3、出席会议的股东所持有表决权股份数占公司有表决权股 | 47.8402 | | 份总数的比例（%） | | (四) 表决方式是否符合《公司法》及《公司章程》的规定，股东大会主持情 况等。 浙江绍兴瑞丰农村商业银行股份有限公司（以下简称"本行"或"公司 ...

Core Viewpoint - The performance of A-share listed rural commercial banks in the first half of 2025 shows overall profit growth despite a declining net interest margin, with asset quality improving amidst increasing uncertainties [1][9]. Group 1: Financial Performance - All 10 A-share listed rural commercial banks reported year-on-year growth in net profit for the first half of 2025, despite a general decline in net interest margins [1]. - Jiangyin Rural Commercial Bank led the growth with a revenue of 2.401 billion yuan and a net profit of 846 million yuan, representing increases of 10.45% and 16.63% respectively [2]. - Changshu Rural Commercial Bank achieved revenue and net profit growth rates of 10.1% and 13.51%, maintaining a relatively high net interest margin of 2.58% [2]. Group 2: Net Interest Margin Trends - The net interest margin for several banks has shown a slowing decline, with some banks like Ruifeng Rural Commercial Bank experiencing a minimal drop of only 0.08 percentage points [4]. - Chongqing Rural Commercial Bank had the smallest decline in net interest margin, reducing by just 0.03 percentage points, while still achieving a 5.98% increase in interest income [4]. - However, banks like Zhangjiagang and Suzhou Rural Commercial Banks faced larger declines in net interest margins, with drops of 0.19 and 0.16 percentage points respectively [5]. Group 3: Asset Quality Improvement - The non-performing loan (NPL) ratio for rural commercial banks improved overall, with the average NPL ratio at 2.77%, a decrease of 0.03 percentage points from the end of 2024 [9]. - Qingdao Rural Commercial Bank showed the most significant improvement, with its NPL ratio decreasing by 0.04 percentage points to 1.75% [10]. - Despite improvements, challenges remain in retail loan quality, with some banks experiencing rising NPL ratios in specific sectors [11]. Group 4: Strategic Adjustments - Banks are adjusting their business structures and pricing strategies to mitigate the impact of declining net interest margins, with Chongqing Rural Commercial Bank effectively managing interest costs [6][7]. - The focus on enhancing non-interest income has been a key strategy, with banks like Changshu Rural Commercial Bank integrating financial and non-financial services to strengthen their competitive edge [7]. - Digital tools and data analytics are being utilized by banks to enhance customer targeting and service delivery, particularly in small and micro-business financing [12][13].

Core Insights - The agricultural commercial bank sector experienced a rise of 0.58% on September 10, with Yunnan Agricultural Commercial Bank leading the gains [1] - The Shanghai Composite Index closed at 3812.22, up 0.13%, while the Shenzhen Component Index closed at 12557.68, up 0.38% [1] Stock Performance - Yunnan Agricultural Commercial Bank (601077) closed at 6.66, with an increase of 1.83% and a trading volume of 1.061 million shares, amounting to 702 million yuan [1] - Jiangyin Bank (002807) closed at 4.92, up 1.44%, with a trading volume of 435,400 shares and a turnover of 213 million yuan [1] - Zijin Bank (601860) closed at 2.96, up 1.37%, with a trading volume of 570,400 shares and a turnover of 168 million yuan [1] - Other notable performances include Zhangjiagang Bank (002839) at 4.48 (+0.90%), and Wuxi Bank (600908) at 6.08 (+0.83%) [1] Capital Flow - The agricultural commercial bank sector saw a net outflow of 34.71 million yuan from institutional investors, while retail investors contributed a net inflow of 51.18 million yuan [1] - The detailed capital flow for individual stocks indicates that Changshu Bank (601128) had a net inflow of 20.62 million yuan from institutional investors, while it faced a net outflow of 15.01 million yuan from retail investors [2] - Yunnan Agricultural Commercial Bank (601077) experienced a significant net outflow of 42.29 million yuan from institutional investors, despite a retail net inflow of 36.90 million yuan [2]

9月9日金融一线消息，浙江绍兴瑞丰农村商业银行发布公告称，近日该行召开第三届职工代表大会第十六次会议，审议通过了《关于监事会撤销后职工监事不再任职的议案》。根据《中华人民共 公告表示，上述调整自该行《不再设立监事会》及《变更经营范围及修订 <公司章程> 》议案经该行股东大会审议通过，且收到国家金融监督管理总局绍兴监管分局对修订后的《公 责任编辑：秦艺 ...

证券代码：601528 证券简称：瑞丰银行 公告编号：2025-025 浙江绍兴瑞丰农村商业银行股份有限公司 关于监事会撤销后职工监事不再任职的公告 浙江绍兴瑞丰农村商业银行股份有限公司（以下简称"本行"或"公司"） 监事会及全体监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法律责任。 近日，本行召开第三届职工代表大会第十六次会议，审议通过了《关于监事 会撤销后职工监事不再任职的议案》。根据《中华人民共和国公司法》、国家金融 监督管理总局《关于公司治理监管规定与公司法衔接有关事项的通知》、中国证 券监督管理委员会《关于新<公司法>配套制度规则实施相关过渡期安排》等相关 法律法规、监管制度及行业管理部门的有关要求，结合本行实际，本行拟不再设 立监事会及下设专门专委会，由董事会审计委员会行使《中华人民共和国公司法》 等法律法规、监管制度规定的监事会职权，现任职工监事罗妙娟、宋晖、章红凤 自监事会正式撤销之日起不再担任本行职工监事。 上述调整自本行《不再设立监事会》及《变更经营范围及修订<公司章程>》 议案经本行股东大会审议通过，且本行收到国家金融监督管理总局 ...

Group 1 - The core point of the article is that Ruifeng Bank (601528) announced plans to hold a semi-annual performance briefing on September 16, 2025, from 13:00 to 14:00 [1]

证券代码：601528 证券简称：瑞丰银行 公告编号：2025-024 本行已于 2025 年 08 月 27 日在上海证券交易所网站（www.sse.com.cn）披 露本行 2025 年半年度报告，为便于广大投资者更全面深入地了解本行经营成果、 财务状况，本行计划于 2025 年 09 月 16 日(星期二)下午 13:00-14:00 举行 2025 年半年度业绩说明会，就投资者关心的问题进行交流。 一、业绩说明会类型 本次投资者说明会以网络互动形式召开，本行将针对 2025 年半年度经营成 果及财务指标的具体情况与投资者进行互动交流和沟通，在信息披露允许的范围 内就投资者普遍关注的问题进行回答。 二、业绩说明会召开的时间、地点 1 浙江绍兴瑞丰农村商业银行股份有限公司 关于召开 2025 年半年度业绩说明会的公告 浙江绍兴瑞丰农村商业银行股份有限公司（以下简称"本行"或"公司"） 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法律责任。 重要内容提示： https://roadshow.sseinfo.com/） 会议召开方式：上证路 ...

Core Viewpoint - The banking industry is facing ongoing pressure on net interest margins, prompting various strategies to stabilize them, including a competition held by Ruifeng Bank to showcase effective margin control practices [2][3][4]. Group 1: Industry Overview - The net interest margin (NIM) for 42 A-share listed banks shows a downward trend, but the rate of decline is slowing down. There is still room for both deposit and loan rates to decrease, which is crucial for stabilizing margins [2][4]. - Among the listed banks, Changshu Bank, China Merchants Bank, and Changsha Bank have the highest NIMs, while Xiamen Bank has the lowest at 1.08% [2][5]. - In the first half of the year, only three banks—Xi'an Bank, Chongqing Bank, and Qilu Bank—saw an increase in NIM, while several others experienced declines exceeding 20 basis points [2][5]. Group 2: Ruifeng Bank's Initiatives - Ruifeng Bank held a competition on September 6, 2023, to highlight successful cases in margin control, attended by senior management and various department heads [3][4]. - The competition aimed to foster a culture where every employee is engaged in margin management, emphasizing the importance of clear responsibilities and strong execution [4]. Group 3: Financial Performance - Ruifeng Bank reported a NIM of 1.46% for the first half of the year, a decrease of 4 basis points from the previous year. The bank's revenue growth was 3.91%, and net profit growth was 5.59%, ranking third among listed rural commercial banks [4][6]. - The bank's total assets reached 230.07 billion yuan, placing it seventh among listed rural commercial banks [4]. Group 4: Deposit Trends - The trend of increasing the proportion of time deposits continues to exert pressure on NIMs. As of mid-2023, the proportion of demand deposits is highest at China Merchants Bank, which exceeds 50% [7][8]. - Many banks still have high ratios of time deposits, with Chongqing Bank and Yurun Rural Commercial Bank leading at 78.54% and 75.66%, respectively [8]. - The industry is adjusting its liability structure to reduce high-cost time deposits and promote demand deposits, which is seen as a key strategy for stabilizing margins [7][9].

Core Viewpoint - The banking industry is facing ongoing pressure on net interest margins, prompting various strategies to stabilize these margins, including a recent competition held by Ruifeng Bank to showcase effective margin management practices [2][4][5]. Group 1: Net Interest Margin Trends - In the first half of the year, the net interest margin (NIM) of 42 A-share listed banks showed a downward trend, but the rate of decline has started to narrow [2][8]. - The top three banks in terms of NIM were Changshu Bank, China Merchants Bank, and Changsha Bank, while Xiamen Bank had the lowest NIM at 1.08% [2][7]. - Only three banks, namely Xi'an Bank, Chongqing Bank, and Qilu Bank, experienced an increase in NIM, with Xi'an Bank's NIM rising significantly by 34 basis points compared to the previous year [7][8]. Group 2: Ruifeng Bank's Margin Management Competition - Ruifeng Bank held a competition on September 6, 2023, to showcase best practices in NIM management, attended by senior leadership and various department heads [4][5]. - The competition aimed to emphasize the importance of NIM management across all levels of the organization, fostering a culture where every employee contributes to NIM performance [5][6]. Group 3: Deposit Structure and Trends - The trend of increasing the proportion of time deposits continues, with 30 banks reporting a rise in time deposit ratios compared to the end of the previous year [10][11]. - Ruifeng Bank and several others saw their time deposit ratios increase by over 5 percentage points, while banks like Xi'an Bank and Huaxia Bank experienced significant declines in their time deposit ratios [11]. - The shift towards more liquid deposits is seen as a critical strategy to alleviate pressure on NIM, with banks like China Merchants Bank leading in the proportion of demand deposits [10][11].