Core Viewpoint - Suzhou Bank is committed to strengthening the real economy and optimizing the financial ecosystem to support the development of local enterprises [1] Group 1: Event Overview - The "Suzhou Heart Partner" financial brand was officially launched during the event held on January 8 [1] - The event was attended by Gu Haidong, a member of the municipal standing committee and vice mayor, who emphasized the importance of collaboration between financial institutions and local businesses [1] Group 2: Strategic Initiatives - Suzhou Bank signed financial service cooperation agreements with various county-level cities and districts to enhance support for the real economy [1] - The bank initiated private equity custody business cooperation with seven municipal financial state-owned enterprises [1] Group 3: Government Support - The local government aims to continuously optimize the financial ecosystem and improve the collaboration mechanism between government, banks, and enterprises [1] - Policies will be provided to support the innovative development of financial institutions and the growth of businesses [1]

Market Overview - The city commercial bank sector experienced a decline of 0.89% on January 8, with Chongqing Bank leading the drop [1] - The Shanghai Composite Index closed at 4082.98, down 0.07%, while the Shenzhen Component Index closed at 13959.48, down 0.51% [1] Individual Stock Performance - Zhengzhou Bank closed at 1.94 with no change, while Lanzhou Bank also remained unchanged at 2.33 [1] - Shanghai Bank closed at 9.95, down 0.10%, and Chengdu Bank closed at 16.23, down 0.18% [1] - Chongqing Bank saw a significant decline of 2.70%, closing at 10.45, with a trading volume of 99,000 shares [2] Trading Volume and Turnover - The trading volume for Zhengzhou Bank was 769,900 shares with a turnover of 149 million yuan, while Lanzhou Bank had a trading volume of 363,100 shares and a turnover of 84.51 million yuan [1] - The highest turnover was recorded for Nanjing Bank at 1.342 billion yuan with a trading volume of 1,217,000 shares [2] Capital Flow Analysis - The city commercial bank sector saw a net inflow of 6.7397 million yuan from institutional investors, while retail investors experienced a net outflow of 70.5351 million yuan [2] - Chengdu Bank had a net inflow of 87.0825 million yuan from institutional investors, but a net outflow of 46.0321 million yuan from retail investors [3] Summary of Capital Flows - Institutional investors showed a positive net flow for several banks, including Hangzhou Bank with 77.8301 million yuan and Qingdao Bank with 8.4480 million yuan [3] - Conversely, Chongqing Bank had a negative net flow of 535,600 yuan from institutional investors, indicating a lack of confidence [3]

Market Performance - The city commercial bank sector experienced a slight increase of 0.0% on January 7, with Hangzhou Bank leading the gains [1] - The Shanghai Composite Index closed at 4085.77, up 0.05%, while the Shenzhen Component Index closed at 14030.56, up 0.06% [1] Individual Stock Performance - Hangzhou Bank (600926) closed at 15.80, with a rise of 1.61% and a trading volume of 817,400 shares [1] - Ningbo Bank (002142) closed at 29.12, up 0.83%, with a trading volume of 411,100 shares [1] - Other notable performances include Jiangsu Bank (601963) at 10.64 (+0.38%) and Shanghai Bank (601229) at 9.96 (+0.30%) [1] Capital Flow Analysis - The city commercial bank sector saw a net outflow of 170 million yuan from institutional investors, while retail investors contributed a net inflow of 188 million yuan [2] - The overall capital flow indicates a mixed sentiment, with institutional investors withdrawing funds while retail investors increased their positions [2] Detailed Capital Flow by Bank - Jiangsu Bank had a net inflow of 123 million yuan from institutional investors, while retail investors saw a net outflow of 27 million yuan [3] - Hangzhou Bank experienced a net inflow of 84 million yuan from institutional investors, but retail investors had a significant outflow of 132 million yuan [3] - Chengdu Bank recorded a net inflow of 55 million yuan from institutional investors, with retail investors also experiencing a net outflow [3]

Core Viewpoint - Suzhou Bank has announced plans to hold a mobilization meeting for the peak season in late October 2025, introducing incentive schemes to accelerate project reserves and ensure efficient approval processes for the peak season [1] Group 1: Company Initiatives - The bank is implementing an incentive plan related to the "opening red" strategy to encourage faster project reserve work [1] - The current credit issuance for the peak season is progressing in an orderly manner, aiming to support stable growth in annual credit scale [1] Group 2: Industry Context - The initiatives are part of a broader strategy to ensure effective support for credit growth during the peak season [1]

Core Viewpoint - Suzhou Bank's capital adequacy ratios are in compliance with regulatory requirements and the group's capital planning management goals, indicating a strong financial position and proactive management strategy [1] Group 1: Capital Adequacy Ratios - As of September 2025, the group's core tier 1 capital adequacy ratio is projected to be 9.79% [1] - The tier 1 capital adequacy ratio is expected to reach 11.55% [1] - The overall capital adequacy ratio is anticipated to be 13.57% [1] Group 2: Strategic Focus - The bank is focused on future planning by closely monitoring refinancing policy requirements [1] - There is an ongoing effort to optimize the business structure to enhance capital utilization efficiency [1] - These strategies aim to effectively support sustainable high-quality business development [1]

证券日报网1月6日讯，苏州银行（002966）在接受调研者提问时表示，本行积极把握市场动态，持续优 化负债结构，通过灵活调整存款定价策略以适应利率市场变化。在存款重定价过程中，本行始终坚持以 客户需求为导向，深化存款产品创新，强化财富业务布局，在保持合理付息成本的同时不断提升客户服 务质效，争取保持存款规模的较好增长。 ...

Group 1 - The core point of the article is that Suzhou Bank has disclosed its shareholder count, which is projected to reach 59,065 by December 31, 2025 [2]

南财智讯1月6日电，苏州银行在投资者关系活动中表示，本行积极把握市场动态，持续优化负债结构， 通过灵活调整存款定价策略以适应利率市场变化。在存款重定价过程中，坚持以客户需求为导向，深化 存款产品创新，强化财富业务布局，在保持合理付息成本的同时不断提升客户服务质量，争取保持存款 规模的较好增长。 ...

Group 1: Credit and Deposit Strategies - The bank has implemented incentive plans to accelerate project preparation for the "opening red" credit reserve, aiming for steady growth in annual credit scale [1] - The bank actively optimizes its liability structure and adjusts deposit pricing strategies to adapt to market interest rate changes, focusing on customer needs and enhancing service quality [1] Group 2: Capital Adequacy and Refinancing Plans - As of September 2025, the bank's core Tier 1 capital adequacy ratio is 9.79%, Tier 1 capital adequacy ratio is 11.55%, and total capital adequacy ratio is 13.57%, all meeting regulatory requirements [2] - The bank plans to closely monitor refinancing policies and continuously optimize its business structure to enhance capital efficiency for sustainable high-quality development [2] Group 3: Investor Communication - During the investor relations activity, the bank's representatives engaged in thorough communication with investors, ensuring compliance with disclosure regulations and preventing the leakage of undisclosed significant information [2]

Market Overview - The city commercial bank sector increased by 0.26% on January 5, with Hangzhou Bank leading the gains [1] - The Shanghai Composite Index closed at 4023.42, up by 1.38%, while the Shenzhen Component Index closed at 13828.63, up by 2.24% [1] Individual Bank Performance - Hangzhou Bank (600926) closed at 15.45, with a rise of 1.11% and a trading volume of 580,400 shares, amounting to a transaction value of 893 million yuan [1] - Chengdu Bank (601838) closed at 16.24, up by 0.74%, with a trading volume of 278,200 shares and a transaction value of 450 million yuan [1] - Beijing Bank (601169) closed at 5.52, increasing by 0.73%, with a trading volume of 1,428,800 shares and a transaction value of 787 million yuan [1] - Guizhou Bank (601997) closed at 5.91, up by 0.68%, with a trading volume of 255,700 shares and a transaction value of 151 million yuan [1] - Qindao Bank (002948) closed at 4.51, increasing by 0.67%, with a trading volume of 419,600 shares and a transaction value of 188 million yuan [1] - Jiangsu Bank (616009) closed at 10.46, up by 0.58%, with a trading volume of 1,271,800 shares and a transaction value of 1.331 billion yuan [1] - Xian Bank (600928) closed at 3.72, increasing by 0.54%, with a trading volume of 198,300 shares and a transaction value of 73.3 million yuan [1] - Zhengzhou Bank (002936) closed at 1.94, up by 0.52%, with a trading volume of 723,100 shares and a transaction value of 140 million yuan [1] - Lanzhou Bank (001227) closed at 2.33, increasing by 0.43%, with a trading volume of 290,200 shares and a transaction value of 67.5 million yuan [1] - Ningbo Bank (002142) closed at 28.15, up by 0.21%, with a trading volume of 271,700 shares and a transaction value of 764 million yuan [1] Capital Flow Analysis - The city commercial bank sector saw a net inflow of 380 million yuan from main funds, while retail funds experienced a net outflow of 134 million yuan [2] - The main funds' net inflow and outflow for individual banks include: - Jiangsu Bank (600919) had a net inflow of 10.4 million yuan, with a 7.78% share of main funds [3] - Shanghai Bank (601229) had a net inflow of 87.04 million yuan, with a 13.64% share of main funds [3] - Hangzhou Bank (600926) had a net inflow of 79.04 million yuan, with an 8.86% share of main funds [3] - Nanjing Bank (600000) had a net inflow of 67.86 million yuan, with a 9.68% share of main funds [3] - Ningbo Bank (002142) had a net inflow of 58.14 million yuan, with a 7.61% share of main funds [3] - Qilu Bank (601665) had a net inflow of 57.72 million yuan, with a 14.60% share of main funds [3] - Qingdao Bank (002948) had a net inflow of 22.18 million yuan, with an 11.82% share of main funds [3] - Suzhou Bank (002966) had a net inflow of 6.29 million yuan, with a 2.71% share of main funds [3] - Xiamen Bank (601187) had a net inflow of 520,450 yuan, with a 5.25% share of main funds [3] - Xian Bank (600928) had a net inflow of 287,550 yuan, with a 3.92% share of main funds [3]