江苏苏州农村商业银行股份有限公司第七届董事会 提名及薪酬委员会关于独立董事候选人的审查意见 2026 年 02 月 04 日 委员签字: 雷新勇 2026 年 02 月 04 日 (此页无正文,为《江苏苏州农村商业银行股份有限公司第七届董 事会提名及薪酬委员会关于独立董事候选人的审查意见》签字页) 委员签字: 徐晓军 根据中国证监会《上市公司独立董事管理办法》、上海证券交 易所《上市公司自律监管指引第1号——规范运作》等有关规定, 我们作为江苏苏州农村商业银行股份有限公司第七届董事会提名 及薪酬委员会委员,对拟提交公司董事会审议的《关于提名曹健先 生为第七届董事会独立董事候选人的议案》中独立董事候选人的 简历和相关资料进行了审核,并发表如下审查意见: 经审查,公司本次提名的独立董事候选人曹健先生具备法律 法规规定的董事任职资格及工作经验,不存在《中华人民共和国公 司法》等法律法规及《公司章程》规定的不得担任公司董事、独立 董事的情形,也不存在被中国证监会确定为证券市场禁入者且禁 入尚未解除的情形。我们同意曹健先生为公司第七届董事会独立 董事候选人,并提请董事会审议。 (此页无正文,为《江苏苏州农村商业银行股份 ...

江苏苏州农村商业银行股份有限公司 独立董事候选人声明与承诺 本人曹健,已充分了解并同意由提名人江苏苏州农村商业银行股 份有限公司董事会提名为江苏苏州农村商业银行股份有限公司第七 届董事会独立董事候选人。本人公开声明,本人具备独立董事任职资 格,保证不存在任何影响本人担任江苏苏州农村商业银行股份有限公 司独立董事独立性的关系,具体声明并承诺如下: 一、本人具备上市公司运作的基本知识,熟悉相关法律、行政法 规、部门规章及其他规范性文件,具有5年以上法律、经济、会计、 财务、管理或者其他履行独立董事职责所必需的工作经验。 二、本人任职资格符合下列法律、行政法规和部门规章以及公司 规章的要求: (一)《中华人民共和国公司法》关于董事任职资格的规定; (十)其他法律法规、部门规章、规范性文件和上海证券交易所 规定的情形。 (二)《中华人民共和国公务员法》关于公务员兼任职务的规定; (三)中国证监会《上市公司独立董事管理办法》、上海证券交 易所自律监管规则以及公司章程有关独立董事任职资格和条件的相 关规定; 与公 (四)中共中央纪委、中共中央组织部《关于规范中管干部辞去 公职或者退(离)休后担任上市公司、基金管理公司独立 ...

证券代码：603323 证券简称：苏农银行 公告编号：2026-004 江苏苏州农村商业银行股份有限公司 第七届董事会第十三次会议决议公告 江苏苏州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。 本行第七届董事会第十三次会议于 2026 年 2 月 5 日在本行东太湖办公大楼 429 会议室（苏州市吴江区东太湖大道 10888 号）以现场方式召开，会议通知 已于 2026 年 1 月 26 日以邮件方式发出。本次会议应参加表决董事 10 人，实际 参加表决董事 10 人，董事陈志明先生因公务原因委托董事唐林才先生出席并表 决，独立董事朱建华先生因公务原因委托独立董事雷新勇先生出席并表决。会 议由董事长徐晓军先生主持。会议的召开和表决符合《公司法》等法律法规及 本行《章程》的有关规定。 会议对如下议案进行了审议并表决： 同意 10 票；弃权 0 票；反对 0 票。 本议案已经本行第七届董事会提名及薪酬委员会 2026 年第一次会议审议通 过，并同意提交董事会审议。 三、关于聘任首 ...

2月6日金融一线消息，苏农银行发布公告，该行董事会会议审议通过《关于提名曹健先生为第七届董事 会独立董事候选人的议案》，提名曹健为第七届董事会独立董事候选人，任期与第七届董事会任期一 致。 简历显示，曹健，男，1963 年 7 月出生，中国国籍，博士研究生学历，研究员。1985年 8 月参加工 作，历任苏州大学数学科学学院辅导员；苏州大学科研处研究生科科员、实习研究员；苏州大学研究生 部（处）副科级秘书、正科级副主任、副处长、副研究员、研究员、研究生党工委书记、校对外联络办 公室副主任；苏州大学继续教育处处长、校对外联络办公室副主任、研究员；苏州大学研究生院副院 长、党委研究生工作部部长、研究员、校对外联络接待办公室副主任；苏州大学校长办公室主任、校对 外联络办公室主任、阳澄湖校区管委会副主任、校党委委员、机关工委委员、研究员；苏州大学研究生 院院长、导师学院副院长、党委委员、机关党工委委员、校学位评定委员会委员、校学位评定委员会人 文学部委员、校学位评定委员会副秘书长，江苏省教育学类研究生教育指导委员会委员，中国学位与研 究生教育学会常务理事、研究员。现任江苏省教育学类研究生教育指导委员会委员，中国学位与研 ...

2月6日金融一线消息，苏农银行发布公告，该行董事会会议审议通过《关于聘任首席合规官的议案》， 聘任王亮担任苏农银行首席合规官，任期与第七届董事会任期一致。 简历显示，王亮，男，1982年2月出生，中国国籍，中共党员，研究生学历。2008年7月参加工作，历任 中信银行苏州分行风险管理部员工，信贷管理部员工，人力资源部员工、招聘培训副主管，国际业务部 贸易融资副主管，投资银行部直接融资业务副主管、资产管理业务副主管、资产管理业务主管，常熟支 行见习行长助理，常熟支行见习行长助理兼常熟东南经济开发区支行行长（主管级）；吴江农村商业银 行投资银行部总经理，投资银行部总经理兼苏州与异地业务总部对公银行部总经理；苏州农村商业银行 投资银行部总经理兼苏州与异地业务总部对公银行部总经理，金融市场总部副总监（主持工作）兼投资 银行部、风控综合部总经理，金融市场总部总监兼投资银行部、风控综合部总经理，金融市场总部总监 兼投资银行部、风控投研部总经理，金融市场总部总监兼投资银行部总经理；江南农村商业银行党委委 员、副行长；扬州农村商业银行党委委员、副行长。现任苏州农村商业银行党委副书记、行长（代为履 职）。 责任编辑：秦艺 2月6 ...

Core Viewpoint - A significant market shift is occurring, characterized by a mass exodus of funds from technology and precious metals sectors, with a notable influx into bank stocks as a safe haven amid rising panic and volatility [2][5][21]. Group 1: Market Dynamics - The U.S. tech stocks experienced a sharp decline, with the Nasdaq dropping over 2%, and major companies like Nvidia, Meta, and Tesla falling more than 3%. AMD saw a staggering drop of 17.3%, marking its largest single-day decline in nearly nine years [2][5]. - Panic spread to A-shares and Hong Kong stocks, with sectors like solar energy and oil equipment witnessing significant sell-offs. Precious metals, which had recently rebounded, also faced a sharp decline, with silver futures plummeting nearly 20% in a single day [3][5]. - The market turmoil was triggered by negative news affecting U.S. tech stocks, leading to a valuation bubble burst. Despite AMD's strong performance, its results fell short of the most optimistic analyst expectations, resulting in a drastic stock price drop [5][6]. Group 2: Bank Sector Resilience - In contrast to the broader market, the banking sector saw a rise, with A-share bank stocks collectively increasing by 2.1%. All 42 bank stocks closed in the green, with Xiamen Bank hitting a rare limit-up and several city commercial banks rising over 3% [3][15]. - Southbound funds significantly targeted bank stocks, with a net purchase exceeding 22 billion HKD, focusing on major banks like ICBC, CMB, and CCB as core investment targets [4][20]. - The banking sector is viewed as a "safe haven" due to its strong earnings growth and historically low valuations, making it an attractive option for risk-averse investors [21][22]. Group 3: Earnings and Valuation - Recent earnings reports from several banks indicate robust growth, with Qingdao Bank, Hangzhou Bank, and Shanghai Pudong Development Bank showing significant increases in net profits. For instance, Qingdao Bank reported a net profit of 51.88 billion CNY, a 21.66% year-on-year increase [23][25]. - The banking sector has undergone a six-month correction, leading to a new valuation bottom. The sector's price-to-earnings ratio stands at a low 6.7 times, and the average dividend yield is between 4.87% and 5.2%, making it appealing in a low-interest-rate environment [27][28]. - Institutional interest in bank stocks is rising, with over 370 institutions conducting research on 11 listed banks, indicating a strategic shift towards these stocks amid market volatility [28][29].

Core Viewpoint - The deposit market is experiencing differentiation as state-owned banks reduce high-interest long-term deposits while small and medium-sized banks, primarily rural commercial banks, actively adjust strategies to capture market share by launching large-denomination certificates of deposit and raising fixed deposit rates [1][12]. Group 1: Large-Denomination Certificates of Deposit - Rural commercial banks have become the main force in issuing large-denomination certificates of deposit, with a total issuance exceeding 30 billion yuan, and a noticeable trend towards shorter product durations [3][14]. - The average interest rate for 3-year large-denomination certificates of deposit from rural commercial banks is 1.8%, significantly higher than similar products from state-owned banks [3][14]. - As of early 2026, nearly 400 large-denomination certificate issuance announcements have been made, with rural commercial banks accounting for over 90% of the total issuance [16]. Group 2: Interest Rate Adjustments - From January to February 2026, many rural commercial banks have raised fixed deposit rates to meet the "opening red" deposit demand, with adjustments typically between 10 to 20 basis points [7][20]. - Specific banks, such as Zhejiang Jiaxing Rural Commercial Bank, have increased their 1-year and 2-year fixed deposit rates to 1.50% and 1.75%, respectively, while offering tiered rates for 3-year deposits based on the amount deposited [8][20]. - Some banks have set high minimum deposit thresholds and limited promotional periods for these interest rate increases, indicating a short-term marketing strategy [10][22]. Group 3: Market Dynamics and Competition - The banking industry is facing a narrowing net interest margin, prompting rural commercial banks to seek a balance between controlling liability costs and capturing market share through differentiated and regionally tailored deposit products [15][23]. - The competitive landscape is characterized by large banks withdrawing from long-term large-denomination certificates of deposit, while small and medium-sized banks are strategically raising rates to attract local depositors, particularly for large sums [19][23]. - The need for strong deposit acquisition is driven by pressures to support asset expansion, especially for smaller banks lacking brand and network advantages [23].

在数字化金融快速发展的当下，苏州农商银行持续深耕"养老金融"服务，助力老年群体跨越"数字鸿 沟"，让有温度的"苏心服务"触手可及。 除了知识宣讲，活动更注重人文关怀。现场准备的实用生活用品，传递出社会对老年人的关爱与尊重。 一句关切问候、一次耐心倾听，让金融服务超越知识传递，成为温暖的互动。不少老人表示，这样的活 动让他们感到"没有被时代遗忘"，增强了归属感与安全感。 守护老年人的财产安全，就是守护他们的晚年安宁。苏州农商银行将金融知识普及与人文关怀深度融 合，在为老年群体筑牢财产安全防线的同时，更让关怀与温度融入生活，助力每一位老年人安享幸 福"夕阳红"。 仲孝红 随着春节临近，各类诈骗活动进入高发期。苏州农商银行八都支行聚焦老年群体易受电信诈骗的痛点， 组织工作人员深入社区、乡村，开展金融知识宣讲活动，为老年人财产安全筑起"防火墙"。 工作人员结合老年群体的理解特点，量身定制宣讲内容，用通俗的语言和贴近生活的案例，系统讲解防 范电信诈骗、识别非法集资、保护个人信息等实用知识。针对老年人常见问题，现场手把手教学，指导 大家辨别真假短信、设置安全密码、选择正规金融渠道，有效提升风险防范能力。这些知识如同"防护 ...

Core Viewpoint - The performance reports of 10 A-share listed banks indicate overall steady growth in profitability and asset quality, with expectations for continued improvement in 2026 as net interest margin decline is expected to narrow and credit costs continue to decrease [1][2]. Profitability - All 10 A-share listed banks reported year-on-year growth in net profit for 2025, with notable performance from city commercial banks [2]. - Qingdao Bank achieved a net profit of 5.188 billion yuan, marking a 21.66% year-on-year increase, leading the group of disclosed banks [2]. - Other banks such as Ningbo Bank, Nanjing Bank, and Hangzhou Bank also surpassed 10 billion yuan in net profit, with year-on-year growth rates of 8.13%, 8.08%, and 12.05% respectively [2][3]. Revenue Growth - Except for CITIC Bank, all other banks reported positive revenue growth for 2025 [4]. - Nanjing Bank recorded the highest revenue growth at 10.48%, reaching 55.54 billion yuan, while Qingdao Bank and Ningbo Bank reported revenue of 14.573 billion yuan and 71.968 billion yuan, with growth rates of 7.97% and 8.01% respectively [4][5]. - The revenue growth of city commercial banks and rural commercial banks showed some differences, with Nanjing Bank benefiting from strong net interest income growth [4]. Asset Quality - The asset quality of the 10 listed banks remained stable, with most reporting a steady or declining non-performing loan (NPL) ratio [6][9]. - Qingdao Bank's NPL ratio decreased to 0.97%, down 17 basis points from the previous year, indicating improved asset quality [9][10]. - The provision coverage ratio for Qingdao Bank increased to 292.3%, reflecting a continuous improvement in core asset quality indicators [10]. Market Outlook - Analysts expect that the net interest margin for listed banks will stabilize, with a slight narrowing of the decline anticipated in 2026 [8][9]. - The first quarter of 2026 is projected to see a significant increase in credit issuance, with January alone expected to account for over 30% of the annual total [8]. - The overall credit growth is expected to remain robust, supported by favorable monetary policy adjustments [8].

证券日报网讯2月4日，苏农银行（603323）在互动平台回答投资者提问时表示，为进一步提升投资者获 得感，本行2024年度权益分派除现金分红外，同步实施资本公积金转增股，此外在2025年首次实施中期 分红。未来，本行在资本充足率满足业务发展需求和监管约束前提下，将更加关注股东利益，提高现金 分红比例，与投资者共享本行高质量发展成果。 ...