Core Viewpoint - The A-share market for banks showed a contrary upward trend, with several banks experiencing significant gains on February 5, 2023, despite broader market conditions [1]. Group 1: Stock Performance - Xiamen Bank saw an increase of 6.38%, with a total market capitalization of 20.2 billion [2] - Chongqing Bank rose by 4.17%, with a market cap of 37.3 billion [2] - Ningbo Bank increased by 3.31%, with a market value of 216.3 billion [2] - Shanghai Bank also rose by 3.31%, with a market cap of 137.5 billion [2] - Nanjing Bank increased by 2.97%, with a market capitalization of 137.2 billion [2] - Qilu Bank rose by 2.78%, with a market cap of 36.4 billion [2] - Hangzhou Bank increased by 2.54%, with a market value of 120 billion [2] - Yuhuang Agricultural Commercial Bank rose by 2.36%, with a market cap of 73.8 billion [2] - Shanghai Rural Commercial Bank increased by 2.28%, with a market value of 82.4 billion [2] - Jiangsu Bank rose by 2.06%, with a market cap of 190.7 billion [2] Group 2: Year-to-Date Performance - Ningbo Bank has the highest year-to-date increase at 16.59% [2] - Xiamen Bank has a year-to-date increase of 4.50% [2] - Qilu Bank shows a year-to-date increase of 3.14% [2] - Hangzhou Bank has a year-to-date increase of 8.31% [2] - Jiangsu Bank shows a year-to-date increase of 3.11% [2]

证券日报网2月4日讯 ，张家港行（002839）在接受调研者提问时表示，当前，公司资本充足率保持良 好水平。截至2025年9月末，公司核心一级资本充足率为11.06%，一级资本充足率为12.32%，总资本充 足率为13.49%。公司持续坚守服务"三农"、服务中小微企业和服务城乡居民的定位，保持规模增长与经 营质效稳中有进，加强重点领域风险防控，通过自身经营积累持续夯实内源性资本补充。同时作为上市 银行，将结合自身经营发展实际，探索多样化的资本补充渠道及方式，适时通过续发资本补充型债券等 进一步夯实资本，以更好地服务于区域实体经济。 ...

证券代码：002839 证券简称：张家港行 江苏张家港农村商业银行股份有限公司投资者关系活动记录表 编号:2026-02 | | √特定对象调研 □分析师会议 | | --- | --- | | 投资者关系活动 | □媒体采访 □业绩说明会 | | | □新闻发布会 □路演活动 | | 类别 | □现场参观 | | | □其他 （请文字说明其他活动内容） | | 参与单位名称及 | 南方基金 金岚枫 | | 人员姓名 | | | 时间 | 2026 年 2 月 3 日下午 15：00-16：00 | | 地点 | 张家港行总行 1703 会议室 | | 上市公司接待人 | 董事会秘书 戚飞燕女士 | | 员姓名 | 董事会办公室负责人 陶鹰女士 | | | 以及相关工作人员 主要就张家港行近期相关经营情况进行了交流，以下为 | | | 投资者问询及简要回复情况记录： | | | Q:请问贵行当前对公贷款的投向主要有哪些行业？ | | | A:我行秉持"深耕普惠、赋能发展"理念，服务于区域 | | 投资者关系活动 | 经济发展，支持市场主体。我行对公贷款投放紧密围绕国家 | | 主要内容介绍 | 产业政策导向和 ...

Core Viewpoint - The agricultural commercial bank sector experienced a decline of 1.13% on February 3, with the Shanghai Agricultural Commercial Bank leading the drop, while the overall Shanghai Composite Index rose by 1.29% [1] Group 1: Market Performance - The Shanghai Composite Index closed at 4067.74, up 1.29%, and the Shenzhen Component Index closed at 14127.1, up 2.19% [1] - The agricultural commercial bank sector saw various individual stock performances, with notable declines in several banks, including Jiangyin Bank and Zhangjiagang Bank, both down by 0.88% [1] Group 2: Trading Volume and Capital Flow - The total trading volume for the agricultural commercial bank sector was significant, with the highest trading volume recorded for Qingnong Bank at 895,900 shares and a total transaction value of 274 million yuan [1] - The sector experienced a net inflow of 77.82 million yuan from institutional investors, while retail investors saw a net outflow of 106 million yuan [1] Group 3: Individual Stock Analysis - Yunnan Agricultural Commercial Bank had a net inflow of 32.1 million yuan from institutional investors, but a net outflow of 18.46 million yuan from retail investors [2] - Changshu Bank also saw a net inflow of 23.19 million yuan from institutional investors, with retail investors withdrawing 10.73 million yuan [2] - Su Nong Bank had a net inflow of 15.3 million yuan from institutional investors, but a significant net outflow of 20.84 million yuan from retail investors [2]

Group 1 - The core viewpoint of the articles highlights Zhangjiagang Rural Commercial Bank's commitment to enhancing safety management through digital transformation and innovative mechanisms, resulting in recognition as an advanced unit in financial safety construction in Suzhou for 2025 [1] Group 2 - The bank has strengthened its security capabilities by building an integrated intelligent management platform that enhances proactive, precise, and comprehensive security measures, including risk warning and monitoring functions [2] - The implementation of remote visual supervision for cash transport processes has improved standardization and safety levels in cash handling, allowing real-time monitoring of operations [2] Group 3 - The bank has established a robust safety responsibility framework through institutional constraints and cultural guidance, including a safety assessment scheme that quantifies inspection results and provides quarterly reports [3] - AI technology has been utilized to enhance safety policy learning, offering tools like the "Regulation OK Assistant" for employees to easily access safety regulations [3] Group 4 - The bank focuses on management innovation and preventive measures, deploying energy-saving control systems to mitigate overload risks while achieving significant energy savings [4] - Proactive professional inspections of electrical facilities have been implemented to enhance the safety and operational continuity of older branches [4] - The bank plans to continue integrating various safety measures and exploring new technologies to strengthen its safety protection network [4]

证券日报网讯 2月2日，张家港行（002839）在互动平台回答投资者提问时表示，截至2026年1月31日， 公司股东户数为47131户。 ...

证券代码：002839 证券简称：张家港行 江苏张家港农村商业银行股份有限公司投资者关系活动记录表 编号:2026-01 | | √特定对象调研 □分析师会议 | | --- | --- | | 投资者关系活动 | □媒体采访 □业绩说明会 | | | □新闻发布会 □路演活动 | | 类别 | | | | □现场参观 | | | □其他 （请文字说明其他活动内容） | | 参与单位名称及 | 华泰证券 沈娟、贺雅婷 | | | 中邮资管 冯雪莹 | | 人员姓名 | 招商信诺人寿 崔真荣 | | | 北大方正人寿 范泽挺 | | 时间 | 2026 年 1 月 30 日上午 10：00-11：00 | | 地点 | 张家港行总行 1703 会议室 | | 上市公司接待人 员姓名 | 公司业务部 陆敏先生 庞丽女士 | | | 小微金融部 | | | 董事会办公室负责人 陶鹰女士 | | | 证券事务代表 张伊琦女士 | | | 以及相关工作人员 | | 投资者关系活动 | Q:请问贵行 2026 年信贷投放思路如何？ A:我行始终坚持服务实体经济的根本宗旨，紧密围绕做 | | | 主要就张家港行近期相关经营 ...

Market Overview - The agricultural commercial bank sector experienced a decline of 1.94% on February 2, with the Shanghai Agricultural Commercial Bank leading the drop [1] - The Shanghai Composite Index closed at 4015.75, down 2.48%, while the Shenzhen Component Index closed at 13824.35, down 2.69% [1] Individual Stock Performance - Key stocks in the agricultural commercial bank sector showed the following closing prices and changes: - Zijin Bank: 2.79, down 0.71% - Jiangyin Bank: 4.53, down 0.88% - Zhangjiagang Bank: 4.53, down 0.88% - Ruifeng Bank: 5.40, down 0.92% - Sunong Bank: 4.97, down 1.00% - Changshu Bank: 7.22, down 1.10% - Yuanxi Bank: 5.81, down 1.53% - Qingnong Bank: 3.08, down 1.91% - Yunnan Agricultural Bank: 6.33, down 2.31% - Shanghai Agricultural Bank: 8.36, down 2.68% [1] Capital Flow Analysis - The agricultural commercial bank sector saw a net inflow of 115 million yuan from main funds, while retail funds experienced a net outflow of 52.86 million yuan [1] - The following table summarizes the capital flow for individual stocks: - Yunnan Agricultural Bank: 92.03 million yuan net inflow from main funds, -11.7 million yuan from retail funds - Shanghai Agricultural Bank: 32.16 million yuan net inflow from main funds, -22.14 million yuan from retail funds - Changshu Bank: 19.96 million yuan net inflow from main funds, -31.03 million yuan from retail funds - Sunong Bank: 5.13 million yuan net inflow from main funds, -14.29 million yuan from retail funds - Qingnong Bank: 3.28 million yuan net inflow from main funds, -18.58 million yuan from retail funds - Jiangyin Bank: -4.47 million yuan net outflow from main funds, -3.44 million yuan from retail funds - Wuxi Bank: -5.97 million yuan net outflow from main funds, 0.13 million yuan from retail funds - Ruifeng Bank: -7.41 million yuan net outflow from main funds, 1.42 million yuan from retail funds - Zhangjiagang Bank: -7.44 million yuan net outflow from main funds, 6.66 million yuan from retail funds - Zijin Bank: -12.72 million yuan net outflow from main funds, 3.51 million yuan from retail funds [2]

Core Viewpoint - Jiangsu Zhangjiagang Rural Commercial Bank has received approval to expand its insurance intermediary license, significantly broadening its range of insurance products offered [1][2]. Summary by Category Business Scope Change - The bank's insurance intermediary business scope has been expanded from five types of insurance: enterprise property insurance, household property insurance, motor vehicle insurance, life insurance, health insurance, and accident insurance to a total of thirteen types, including engineering insurance, liability insurance, credit insurance, guarantee insurance, marine insurance, cargo transportation insurance, special risk insurance, agricultural insurance, annuity insurance, and others [1][2].

Core Insights - Zhangjiagang Rural Commercial Bank successfully issued a payment guarantee of 860,000 yuan for a smart technology company, marking the first such business in Zhangjiagang City [1] - The bank's full-process financial service model, combining "guarantee enhancement + special account payment," effectively ensures the payment of wages to migrant workers [1] Group 1 - The bank completed the entire process from policy alignment to guarantee issuance in just 2 working days, demonstrating efficiency in responding to regulatory requirements [1] - The business model replaces traditional guarantees with bank guarantees, helping construction companies efficiently and compliantly open dedicated accounts for migrant workers' wages, thus reducing time and capital costs [1] - The bank has provided wage payment services to over 160 construction companies, with a total payment amount of 930 million yuan, reinforcing the "last line of defense" for wage payments [1] Group 2 - The successful handling of this first business has allowed the bank to accumulate three key experiences: precise policy understanding, rapid process handling, and deep service extension [2] - The bank aims to continue optimizing the payment guarantee process and related services, enhancing collaboration with regulatory authorities and construction companies to protect the legal rights of migrant workers [2]