Core Viewpoint - Jiangyin Bank has achieved a high-quality development in 2024 through a steady operational strategy, demonstrating growth in scale, efficiency, and quality despite a complex market environment [1][2][3]. Financial Performance - Total assets of Jiangyin Bank reached 200.23 billion yuan, a year-on-year increase of 7.63% - Total deposits amounted to 151.83 billion yuan, growing by 9.06% compared to the previous year - Total loans reached 124.13 billion yuan, with a growth of 7.61% year-on-year - Operating income for the period was 3.96 billion yuan, up 2.51% year-on-year - Net profit attributable to shareholders was 2.04 billion yuan, reflecting a year-on-year increase of 7.88% [1]. Asset Quality - By the end of 2024, the non-performing loan (NPL) balance and ratio both decreased, with the NPL ratio at 0.86%, down by 0.12 percentage points from the previous year - The NPL balance was 1.07 billion yuan, a decrease of 5.18% year-on-year - The provision coverage ratio stood at 369.32%, and the capital adequacy ratio was 15.22%, indicating strong risk-bearing capacity [1]. Shareholder Returns - Jiangyin Bank maintained a steady dividend policy, distributing a cash dividend of 2.0 yuan per 10 shares (including tax), an increase of 0.1 yuan from the previous year [2]. Support for Real Economy - The bank enhanced its financial services for small and micro enterprises, significantly increasing its supply chain loan balance by 110.35% year-to-date - The number of supply chain loan accounts grew by 88.2%, demonstrating improved financial service capabilities for the real economy [3]. Retail Banking Transformation - Jiangyin Bank leveraged digitalization to enhance retail operations, focusing on personalized and intelligent financial services - The bank established three wealth management centers and improved customer experience, achieving a 16% increase in clients with assets under management (AUM) over 300,000 yuan [4]. Rural Revitalization and Green Finance - The bank actively supported rural revitalization, with agricultural loans reaching 73.18 billion yuan, including 23.56 billion yuan in inclusive agricultural loans - Jiangyin Bank also established a green finance committee, with green loan balances reaching 3.415 billion yuan, supporting the dual carbon goals [5][6]. Market Recognition - Following the annual report release, multiple institutions recognized Jiangyin Bank's performance, with Huatai Securities maintaining an "overweight" rating and招商证券 highlighting the bank's regional advantages and solid asset quality [7].

Group 1: Financial Performance - In 2024, the bank maintained steady operational performance with revenue and net profit growth, and asset scale exceeded 200 billion yuan [1] - The non-performing loan ratio and amount both decreased, enhancing risk resistance capabilities [1] - By the end of 2024, the balance of green loans reached 3.415 billion yuan, with a growth rate higher than the average loan growth of the bank [2] Group 2: ESG and Sustainable Development - The bank has been improving its ESG information disclosure system, focusing on governance, high-quality financial services, and green low-carbon development [2] - Future plans include enhancing ESG governance transparency and communication with investors to boost market recognition and trust [2] Group 3: Key Strategic Initiatives - The bank has made breakthroughs in five key areas: technology finance, green finance, inclusive finance, elderly finance, and digital transformation [3] - Over 1,000 technology enterprises received loans exceeding 10 billion yuan, covering over 80% of high-tech enterprises [3] - The bank's supply chain loans increased by 110.35% year-to-date, with the number of clients growing by 88.2% [4] Group 4: Digital Transformation and User Experience - The bank is enhancing digital transformation by building a technology information center and optimizing online product processes [4] - An intelligent risk control system has been launched to improve user experience and risk management for online products [5] Group 5: Rural Revitalization and Financial Support - The bank is innovating financial services for rural revitalization, including tailored credit products and digital service platforms [5] - Future efforts will focus on increasing credit resources and enhancing the financial service system for rural industries [5]

Investment Rating - The investment rating for Jiangyin Bank is "Buy" with a current price of 4.31 CNY and a reasonable value of 5.29 CNY [4]. Core Views - Jiangyin Bank reported a year-on-year revenue growth of 6.0% and a net profit growth of 2.2% in Q1 2025, indicating stable profitability [8]. - The bank's asset quality has improved, with a non-performing loan ratio of 0.86% remaining stable compared to the end of the previous year, while the attention loan ratio decreased to 1.03% [8]. - The bank's deposit interest rate has significantly decreased to 1.61%, down 24 basis points from the end of the previous year, reflecting effective cost control [8]. - Investment income has shown a notable increase, reaching 415 million CNY in Q1 2025, compared to 170 million CNY in the same period last year [8]. - The bank's net interest income has faced pressure, declining by 1.43% year-on-year, with a net interest margin of 1.51%, down 25 basis points from the end of 2024 [8]. Summary by Sections Financial Performance - In Q1 2025, Jiangyin Bank's revenue, pre-provision profit, and net profit growth rates were 6.0%, 8.4%, and 2.2% respectively, with changes of +3.49 percentage points, +13.20 percentage points, and -5.65 percentage points compared to 2024 [11]. - The total deposits reached 161.8 billion CNY, an increase of 6.57% from the beginning of the year, with the deposit ratio rising to 87.5% [8]. Asset Quality - The non-performing loan ratio remained stable at 0.86%, while the attention loan ratio decreased by 19 basis points to 1.03%, indicating strengthened asset quality [8]. Capital Adequacy - The core Tier 1 capital adequacy ratio decreased to 13.73%, down 36 basis points from the end of the previous year, while the total capital adequacy ratio fell to 14.87%, down 35 basis points [8]. Earnings Forecast - The forecast for Jiangyin Bank's net profit growth is 8.50% for 2025 and 8.11% for 2026, with expected earnings per share of 1.02 CNY and 1.10 CNY respectively [8].

Group 1 - Jiangyin Bank announced a dual personnel change in its board, with the resignation of Secretary of the Board Bian Danjuan due to age and the nomination of 35-year-old Zhou Xiaotang as her successor [1][2] - Zhou Xiaotang, if approved by regulators, will become the youngest executive in Jiangyin Bank's history, holding a board secretary qualification certificate and possessing relevant professional competence and experience [1][2] - The bank's executive team is becoming younger, with current executives' ages ranging from 34 to 48 years old, indicating a trend towards a more youthful leadership [3] Group 2 - Jiangyin Bank reported a revenue of 1.127 billion yuan for Q1 2025, a year-on-year increase of 6%, and a net profit attributable to shareholders of 357 million yuan, up 2.22% year-on-year [3] - As of the end of Q1 2025, the bank's total assets reached 207.058 billion yuan, reflecting a growth of 3.41% since the beginning of the year [3] - The non-performing loan ratio remained stable at 0.86%, consistent with the beginning of the year [3]

证券代码：002807 证券简称：江阴银行 公告编号：2025-017 江苏江阴农村商业银行股份有限公司 2024 年年度权益分派实施公告 本行及董事会全体成员保证信息披露内容真实、准确和完整，没有虚假记载、误导性陈 述或重大遗漏。 江苏江阴农村商业银行股份有限公司（以下简称"本行"）2024 年年度权益 分派方案已获 2025 年 4 月 18 日召开的 2024 年年度股东大会审议通过，现将权 益分派事宜公告如下： 一、股东大会审议通过利润分配方案情况 1、2025 年 4 月 18 日，本行 2024 年年度股东大会审议通过了《关于 2024 年 度利润分配方案的议案》：以未来实施分配方案时股权登记日的总股本为基数， 向全体股东每 10 股派发现金红利 2.0 元（含税），不送红股，不转增股本。截至 未来分配方案实施时的股权登记日，若本行总股本存在变动，本行将以股权登记 日的总股本为基数，按照分配比例不变的原则进行权益分派； 2、自2024年年度权益分派方案披露至实施期间，本行股本总额未发生变化。 以本行现有总股本 2,461,392,789 股为基数测算，预计派发现金红利 492,278,557.80 ...

证券代码：002807 证券简称：江阴银行 公告编号：2025-014 江苏江阴农村商业银行股份有限公司 关于变更董事会秘书及证券事务代表的公告 本行及董事会全体成员保证信息披露内容真实、准确和完整，没有虚假记载、误导性 陈述或重大遗漏。 一、关于董事会秘书辞职的情况 江苏江阴农村商业银行股份有限公司（以下简称"本行"）董事会于近日收 到公司董事会秘书卞丹娟女士的书面辞职报告，卞丹娟女士因年龄原因，申请辞 去本行董事会秘书职务，辞职后，卞丹娟女士将继续在本行担任董事职务。根据 《公司法》《深圳证券交易所上市公司自律监管指引第 1 号—主板上市公司规范 运作》和本行《章程》等相关规定，卞丹娟女士的辞职申请自送达董事会时生效。 卞丹娟女士原定任期至本行第八届董事会届满之日止。截至本公告披露日， 卞丹娟女士持有本行股份 490038 股，不存在应当履行而未履行的承诺事项。卞 丹娟女士辞去董事会秘书职务后，将继续依照相关法律法规和本行《章程》的规 定，对其所持本行股份进行合规管理。 卞丹娟女士任职期间恪尽职守、勤勉尽责，在本行规范治理、信息披露、投 资者关系管理等方面发挥了积极作用，本行董事会对卞丹娟女士在任职期间为 ...

本行及董事会全体成员保证信息披露内容真实、准确和完整，没有虚假记载、误导性陈 述或重大遗漏。 江苏江阴农村商业银行股份有限公司（以下简称"本行"）于 2025 年 3 月 29 日披露了《2024 年年度报告》及其摘要，相关内容详见巨潮资讯网 （www.cninfo.com.cn）。为便于广大投资者进一步了解本行 2024 年度经营情况， 本行定于 2025 年 4 月 28 日（星期一）15:30-16:30 在全景网举办 2024 年年度报告 网上业绩说明会（以下简称"本次说明会"）。本次说明会将采用网络远程的方式 举行，投资者可登录"全景路演"（http://rs.p5w.net）参与本次说明会。 出席本次说明会的人员有：行长倪庆华先生、董事会秘书周晓堂先生、财务 总监常惠娟女士、独立董事汪激清先生。 证券代码：002807 证券简称：江阴银行 公告编号：2025-016 江苏江阴农村商业银行股份有限公司 关于举行 2024 年度报告说明会的公告 （问题征集专题页面二维码） 欢迎广大投资者积极参与。 特此公告。 江苏江阴农村商业银行股份有限公司董事会 2025 年 4 月 22 日 为充分尊重投资者、提 ...

证券代码：002807 证券简称：江阴银行 公告编号：2025-013 江苏江阴农村商业银行股份有限公司 第八届监事会第九次会议决议公告 本行及监事会全体成员保证信息披露内容真实、准确和完整，没有虚假记载、误导性陈 述或重大遗漏。 江苏江阴农村商业银行股份有限公司（以下简称"本行"）于 2025 年 4 月 8 日以电子邮件及书面方式向全体监事发出关于召开第八届监事会第九次会议的 通知，会议于 2025 年 4 月 18 日在江阴市澄江中路 1 号银信大厦会议室召开，本 次会议以现场方式进行表决。本行应参会监事 9 名，实际参会监事 9 名，会议由 惠国语监事长主持，符合《公司法》、《深圳证券交易所股票上市规则》和本行《章 程》的规定，本次会议合法有效。会议审议通过了以下议案： 一、关于《2025 年第一季度报告》审核意见的议案 监事会认为本行董事会编制和审核《2025 年第一季度报告》的程序符合法 律、行政法规和中国证监会的规定，报告内容真实、准确、完整地反映了本行的 实际情况，不存在任何虚假记载、误导性陈述或者重大遗漏。 本议案同意票 9 票，反对票 0 票，弃权票 0 票。 本行《2025 年第一季度报 ...

江苏江阴农村商业银行股份有限公司 第八届董事会第九次会议决议公告 本行及董事会全体成员保证信息披露内容真实、准确和完整，没有虚假记载、误导性陈 述或重大遗漏。 江苏江阴农村商业银行股份有限公司（以下简称"本行"）于 2025 年 4 月 8 日以电子邮件及书面方式向全体董事发出关于召开第八届董事会第九次会议 的通知，会议于 2025 年 4 月 18 日在江阴市澄江中路 1 号银信大厦会议室召开， 会议以现场结合视频方式进行表决。本行应参会董事13名，实际参会董事13名， 符合《公司法》、《深圳证券交易所股票上市规则》和本行《章程》的规定。因 相关股东质押本行股权数量已超过其持有本行股权的 50%，根据监管相关规定， 董事徐建东本次会议无表决权。本行监事、高级管理人员列席会议，会议由宋萍 董事长主持。本次会议合法有效。会议审议通过了以下议案： 一、关于《2025 年第一季度经营情况报告》的议案 本议案同意票 12 票，反对票 0 票，弃权票 0 票。 二、关于《2025 年第一季度报告》的议案 本行董事会审计委员会审议通过了该项议案，《2025 年第一季度报告》同日 在《证券时报》《上海证券报》《中国证券报》 ...

Financial Performance - Total operating income for Q1 2025 reached RMB 1,126,513,000, a year-on-year increase of 6% compared to RMB 1,062,718,000 in the same period last year[8] - Net profit attributable to shareholders was RMB 357,469,000, reflecting a 2.22% increase from RMB 349,695,000 in the previous year[8] - Investment income for Q1 2025 reached RMB 414,766,000, a 143.55% increase compared to RMB 170,297,000 in Q1 2024, primarily due to increased gains from debt investment disposals[19] - Net profit for the first quarter was CNY 352,364,000, a slight increase of 0.2% compared to CNY 351,492,000 in the same period last year[45] Cash Flow - The net cash flow from operating activities improved significantly to RMB 2,802,717,000, a 160.53% increase from a negative RMB 4,630,014,000 in the same period last year[8] - Operating cash inflows totaled RMB 8,930,728,000 in Q1 2025, up 1087.24% from RMB 752,223,000 in Q1 2024, while operating cash outflows increased by 13.86% to RMB 6,128,011,000[20] - The net cash flow from operating activities improved to RMB 2,802,717,000 in Q1 2025, compared to a negative RMB 4,630,014,000 in Q1 2024, marking a 160.53% increase[20] Assets and Liabilities - Total assets at the end of Q1 2025 amounted to RMB 207,058,078,000, representing a 3.41% increase from RMB 200,232,115,000 at the end of the previous year[8] - Total liabilities at the end of the reporting period are RMB 187,923,592,000, up from RMB 181,373,359,000 year-over-year[44] - Total equity attributable to shareholders of the parent company is RMB 18,870,525,000, compared to RMB 18,589,690,000 at the end of the previous year[44] Deposits and Loans - The total deposits reached RMB 161,808,000,000, with a growth rate of 6.57% since the beginning of the year, while total loans amounted to RMB 129,605,000,000, increasing by 4.41%[10] - Total deposits as of March 31, 2025, amounted to RMB 164,356,978,000, an increase from RMB 154,991,816,000 as of December 31, 2024[23] - The total loan principal as of March 31, 2025, was RMB 129,605,340,000, up from RMB 124,129,589,000 at the end of 2024[23] Risk Management - The non-performing loan ratio remained stable at 0.86%, unchanged from the beginning of the year, indicating effective risk control[10] - The non-performing loan ratio was stable at 0.86% as of Q1 2025, unchanged from 2024[25] Operational Efficiency - The bank's weighted average return on equity decreased by 0.18 percentage points to 1.91% compared to the previous year[8] - The cost-to-income ratio improved to 25.31% in Q1 2025, down from 30.15% in 2024, indicating enhanced operational efficiency[25] - The net interest margin for Q1 2025 was reported at 1.51%, compared to 1.76% in 2024, reflecting changes in interest income and expenses[25] Digital Transformation and Strategy - The bank's digital transformation initiatives have led to improved operational efficiency, achieving a "2C" rating in the national financial regulatory technology assessment, ranking first among rural commercial banks in the province[11] - The bank is actively pursuing a differentiated transformation strategy for its branches, enhancing service quality and customer engagement through various innovative financial models[11] Shareholder Information - Total number of common shareholders at the end of the reporting period is 47,510[37] - Jiangsu Jiangnan Water Co., Ltd. holds 5.76% of shares, totaling 141,819,494 shares[37] - The company has no significant changes in the shareholding structure of the top 10 shareholders compared to the previous period[38] Other Financial Metrics - The capital adequacy ratio stood at 14.87% in Q1 2025, slightly down from 15.22% in 2024, remaining above the regulatory requirement of 10.5%[24] - The leverage ratio as of March 31, 2025, was 8.27%, slightly down from 8.40% at the end of 2024[32] - Cash and deposits with the central bank increased to RMB 9,055,553,000 from RMB 8,516,925,000 year-over-year[42] - Loans and advances issued reached RMB 125,948,728,000, up from RMB 120,434,790,000 year-over-year[42] - Other debt investments increased to RMB 20,573,673,000 from RMB 14,417,494,000 year-over-year[42] Audit Status - The financial report for the first quarter of 2025 was not audited[48]