EF001 免責聲明 第 2 頁 共 2 頁 v 1.1.1 | 香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其準確性或完整性亦不發表任何聲明，並明確表示，概不對因 公告全部或任何部份內容而產生或因倚賴該等內容而引致的任何損失承擔任何責任。 | | | --- | --- | | 股票發行人現金股息公告 | | | 發行人名稱 | 江西銀行股份有限公司 | | 股份代號 | 01916 | | 多櫃檯股份代號及貨幣 | 不適用 | | 相關股份代號及名稱 | 不適用 | | 公告標題 | 截至2025年12月31日止年度末期股息 | | 公告日期 | 2026年3月27日 | | 公告狀態 | 新公告 | | 股息信息 | | | 股息類型 | 末期 | | 股息性質 | 普通股息 | | 財政年末 | 2025年12月31日 | | 宣派股息的報告期末 | 2025年12月31日 | | 宣派股息 | 每 10 股 0.34 RMB | | 股東批准日期 | 2026年6月26日 | | 香港過戶登記處相關信息 | | | 派息金額及公司預設派發貨幣 | HKD， 金額有待公佈 ...

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告之內容概不負責，對其準確性 或完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何部份內容而產生或因倚 賴該等內容而引致之任何損失承擔任何責任。 （於中華人民共和國註冊成立的股份有限公司） （股份代號：1916） 董事會會議日期 JIANGXI BANK CO., LTD.* 江西銀行股份有限公司 * 曾暉 中國，南昌，2026年3月17日 截至本公告日期，本行董事會成員包括執行董事曾暉女士及駱小林先生；非執行 董事尹光星先生**、熊潔敏女士、李水平先生、彭曦遠先生及李秀宏先生**；以 及獨立非執行董事楊愛林先生、劉興華先生、王菲米蘭女士及何恩良先生。 * 江西銀行股份有限公司並非香港法例第155章《銀行業條例》所指認可機構，不受香港金融 管理局的監督，亦不獲授權在香港經營銀行╱接受存款業務。 ** 該等董事待國家金融監督管理總局江西監管局核准其董事任職資格後履職。 江西銀行股份有限公司（「本行」）董事會（「董事會」）謹此公佈，董事會會議將於 2026年3月27日（星期五）舉行，藉以（其中包括）考慮及批准本行及其附屬公司截 至2025年12月31 ...

股份發行人及根據《上市規則》第十九B章上市的香港預託證券發行人的證券變動月報表 截至月份: 2026年2月28日 狀態: 新提交 致：香港交易及結算所有限公司 公司名稱: 江西銀行股份有限公司 呈交日期: 2026年3月4日 FF301 FF301 II. 已發行股份及/或庫存股份變動及足夠公眾持股量的確認 1. 股份分類 普通股 股份類別 H 於香港聯交所上市 (註1) 是 證券代號 (如上市) 01916 說明 已發行股份（不包括庫存股份）數目 庫存股份數目 已發行股份總數 上月底結存 1,345,500,000 0 1,345,500,000 增加 / 減少 (-) 0 0 本月底結存 1,345,500,000 0 1,345,500,000 I. 法定/註冊股本變動 | 1. 股份分類 | 普通股 | 股份類別 | H | | | 於香港聯交所上市 (註1) | | 是 | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 證券代號 (如上市) | 01916 | 說明 | | | | | | | | | | | 法定 ...

Core Viewpoint - Jiangxi Bank has been penalized for inadequate loan management, drawing market attention to its compliance issues [2][5]. Regulatory Actions - Jiangxi Bank was fined 300,000 yuan by the Jiangxi Regulatory Bureau of the National Financial Supervisory Administration for poor loan management [2][3]. - Two responsible individuals received warnings due to the same issue [2][3]. - Jiangxi Bank's Nanchang Yingbin Avenue Branch was fined 400,000 yuan for failing to strictly verify the authenticity of trade backgrounds in bank acceptance bill business, with two individuals fined a total of 130,000 yuan [5]. Financial Performance - As of mid-2025, Jiangxi Bank reported total assets of 580.297 billion yuan, a 1.16% increase from the previous year [7]. - The total amount of loans and advances reached 364.903 billion yuan, up 3.39% year-on-year [7]. - Total deposits amounted to 396.770 billion yuan, reflecting a 1.49% increase [7]. - The bank's operating income for the period was 4.604 billion yuan, a decline of 19.91% compared to the previous year [6][7]. - Net profit decreased by 9.64% to 583 million yuan [7]. - The non-performing loan ratio stood at 2.36%, an increase of 0.21 percentage points from the end of 2024 [7]. - The provision coverage ratio was 154.85%, down 5.20 percentage points from the end of 2024 [7]. Stock Performance - Jiangxi Bank's H-shares have been trading below 1 Hong Kong dollar recently, with the stock closing at 0.700 HKD on February 27, down 1.41% for the day, but up 4.48% year-to-date [7].

Core Viewpoint - Jiangxi Bank and its Nanchang branch have been fined a total of 700,000 yuan due to inadequate loan management and failure to properly verify the authenticity of trade backgrounds in bank acceptance bill transactions [1][2] Group 1: Penalties Imposed - Jiangxi Bank was fined 300,000 yuan for inadequate loan management, with warnings issued to responsible individuals Ouyang Pinhua and Chen Yong [1][2] - The Nanchang branch of Jiangxi Bank was fined 400,000 yuan for not strictly verifying the authenticity of trade backgrounds in bank acceptance bill transactions, with warnings and a total fine of 130,000 yuan imposed on responsible individuals Wan Junying and Fan Bo [1][2]

Core Viewpoint - Jiangxi Bank has been fined again for multiple business violations, with a total fine amounting to 700,000 yuan, reflecting ongoing regulatory scrutiny and operational challenges faced by the bank [2][3]. Regulatory Penalties - Jiangxi Bank was fined 300,000 yuan for inadequate loan management, with responsible individuals receiving warnings [2][3]. - The Nanchang Yingbin Avenue branch of Jiangxi Bank was fined 400,000 yuan for failing to properly verify the authenticity of trade backgrounds in bank acceptance bill transactions, with involved personnel also penalized [2][3]. Historical Context of Penalties - In 2025, Jiangxi Bank and its branches received a total of seven fines, amounting to approximately 4.45 million yuan, which is an increase of 1.37 million yuan (44%) compared to 2024 [3]. - The bank has faced penalties related to core operations including credit, bills, credit reporting, and anti-money laundering [4]. Financial Performance - As of mid-2025, Jiangxi Bank reported total assets of 580.297 billion yuan, a year-on-year increase of 1.16% [6][7]. - The bank's operating revenue for the same period was 4.604 billion yuan, a decline of 19.91% year-on-year, while net profit decreased by 10.53% to 558 million yuan [7]. - The non-performing loan ratio stood at 2.36%, significantly above the average for city commercial banks, with a 0.21 percentage point increase from the previous year [7]. Stock Performance - Jiangxi Bank's stock was listed on the Hong Kong Stock Exchange in 2018 at an issue price of 6.39 HKD per share, peaking at 7.27 HKD shortly after, but has since remained below 1 HKD for several years [5]. - As of the latest report, the stock price is 0.71 HKD, with a total market capitalization of 4.277 billion HKD [5][6]. Management Issues - The bank has experienced significant turnover in its core management team, with several high-ranking officials being investigated for misconduct, including former president Chen Xiaoming and former vice presidents Xu Jihong and Yu Jian [7][8].

Core Insights - Jiangxi Bank has been fined again for multiple business violations, with a total fine amounting to 700,000 yuan, marking a significant increase in penalties compared to previous years [2][4]. Regulatory Actions - Jiangxi Bank was fined 300,000 yuan for inadequate loan management, with responsible individuals receiving warnings [2][3]. - The Nanchang Yingbin Avenue branch of Jiangxi Bank was fined 400,000 yuan for failing to properly verify the authenticity of trade backgrounds in bank acceptance bill transactions, with involved personnel also penalized [2][3]. Historical Penalties - In 2025, Jiangxi Bank and its branches received a total of seven fines, amounting to approximately 4.45 million yuan, which is an increase of 1.37 million yuan or about 44% compared to 2024 [4]. - The bank has faced regulatory issues across various core business areas, including credit, bills, credit reporting, and anti-money laundering [4]. Financial Performance - As of mid-2025, Jiangxi Bank reported total assets of 580.3 billion yuan, reflecting a year-on-year growth of 1.16% [6]. - The bank's operating income decreased by 19.91% to 4.604 billion yuan, while net profit fell by 10.53% to 558 million yuan [6]. - The non-performing loan ratio stood at 2.36%, significantly above the average for city commercial banks, with a 0.21 percentage point increase from the previous year [6]. Management Issues - Jiangxi Bank has experienced significant turnover in its core management team, with several high-ranking officials being investigated for misconduct, including former president Chen Xiaoming and former vice presidents Xu Jihong and Yu Jian [6][7]. - The current leadership includes Chairman Zeng Hui and President Luo Xiaolin, along with Vice Presidents Cheng Zongli and Cai Xiaojun [7].

Core Viewpoint - Jiangxi Bank (01916.HK) is expected to face scrutiny regarding its asset quality, profitability, and compliance management as it approaches the release of its 2025 annual performance report in March 2026 [1][2]. Performance and Operational Situation - Asset Quality: As of the first half of 2025, Jiangxi Bank reported a non-performing loan (NPL) ratio of 2.36%, significantly higher than the industry average of 1.49%, with the real estate sector's NPL ratio reaching 19.07%. The ability to improve these figures by year-end is critical [1]. - Profitability: The bank experienced a year-on-year decline in operating income of 19.91% and a net profit decrease of 10.53% in the first half of 2025, raising concerns about reversing this downward trend by year-end [1]. - Compliance and Internal Control: In 2025, Jiangxi Bank and its branches received seven fines totaling approximately 4.45 million yuan, indicating ongoing challenges in compliance management [1]. Business Development Situation - Village and Town Bank Integration: Jiangxi Bank continued its strategy of integrating village and town banks in 2025, including acquiring the remaining equity of Jinxian Ruifeng Village Bank and planning to convert it into a branch, as well as increasing its stake in Nanchang Dafeng Village Bank to 40.68% through judicial auction. The impact of these integrations on business performance is noteworthy [2]. - Regional Policy Environment: In 2025, Jiangxi Province led the central region in the growth rate of technology loans, prompting market interest in whether such regional policies could create potential opportunities for Jiangxi Bank's business development [2]. Recent Stock Performance - Recent stock performance of Jiangxi Bank has diverged from its fundamentals. As of February 12, 2026, the stock price was 0.71 HKD, with a 5.97% increase over the past 60 trading days, reaching a recent high. This performance is attributed to low valuation (price-to-book ratio of approximately 0.10), low liquidity, and expectations surrounding regional policies. Future market performance and potential market value management actions remain points of interest for some investors [3].

Core Viewpoint - Jiangxi Bank has faced multiple penalties in 2025 due to compliance issues, yet its stock price has shown an upward trend despite these challenges [1] Group 1: Penalties and Compliance Issues - In 2025, Jiangxi Bank received a total of 7 fines, amounting to approximately 4.45 million yuan [1] - The Nanchang Bayi Branch was fined 300,000 yuan in December 2025 for "inadequate loan management," resulting in a lifetime ban for one responsible individual [1] Group 2: Stock Performance - Jiangxi Bank was listed on the Hong Kong Stock Exchange on June 26, 2018, with an initial offering price of 6.39 HKD [1] - As of May 18, 2022, the stock price was reported at 0.91 HKD, and it continues to be classified as a "penny stock" [1]

Group 1 - The core viewpoint of the articles highlights the compliance issues faced by Jiangxi Bank, which resulted in multiple penalties and a deteriorating asset quality, particularly in the real estate sector [1][2] Group 2 - In 2025, Jiangxi Bank received a total of 7 penalties, amounting to approximately 4.45 million yuan, with a significant fine of 300,000 yuan imposed on the Nanchang Bayi branch for inadequate loan management [1] - The non-performing loan (NPL) ratio for Jiangxi Bank rose to 2.36% in the first half of 2025, significantly exceeding the average level for city commercial banks, with the real estate sector's NPL rate reaching 19.07% [1] Group 3 - Despite the negative events, Jiangxi Bank's stock price on the Hong Kong market closed at 0.71 HKD on February 12, 2026, with a trading range of 2.82% for the day and a 5.97% increase over the past 60 trading days [2] - The market performance appears to diverge from the fundamentals, potentially influenced by extreme undervaluation, with a current price-to-book ratio of only 0.10 times and a dividend yield of approximately 5.86% [2] - Regional policy expectations may also play a role, as Jiangxi Province's technology loan growth rate was the highest in central China in 2025, possibly leading to improved perceptions of the local financial environment [2]