江西银行获奖案例"强化ESG内核 锻造'负责任银行'新范式"充分展现了江西银行加强公司治理，大力发 展绿色金融，推动ESG理念融入经营发展各领域，积极探索可持续发展路径的生动实践。 下一步，江西银行将坚守"服务城乡居民、服务中小企业、服务地方经济"的发展定位，聚力服务实体经 济，加快特色化经营步伐，在深化ESG实践中着力提升可持续发展能力，为地方经济社会发展贡献金融 力量。 (责任编辑：张紫祎) 近日，由中国金融传媒主办的"2025银行业ESG典型实践案例"名单揭晓。江西银行作为全国第九家签署 联合国《负责任银行原则》的城商行，凭借"强化ESG内核 锻造'负责任银行'新范式"的特色实践案例， 在众多参选案例中脱颖而出，被评为"2025银行业ESG品牌建设案例"。此次入选是业界对江西银行近年 来在提升公司治理水平、助力绿色低碳转型、积极践行社会责任等方面取得成效的充分肯定。 本次案例征集活动于今年6月启动，面向全国银行业广泛征集在绿色金融、普惠金融、社会公益、风险 防范、品牌建设等ESG相关领域的创新实践，旨在挖掘具有示范价值的优秀案例，推动银行业ESG建设 迈上新台阶。 ...

FF301 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: 2025年10月31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: 2025年11月4日 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/註冊股份數目 | | | 面值 | | | 法定/註冊股本 | | | 上月底結存 | | | 1,345,500,000 | RMB | | 1 | RMB | | 1,345,500,000 | | 增加 / 減少 (-) | | | 0 | | | | RMB | | 0 | | 本月底結存 | | | 1,345,500,000 | RMB | | | 1 RMB | | 1,345,500,000 | ...

Core Points - The article highlights the initiative taken by Jiangxi Bank's "Gan Jin Hong Dun" volunteer team to protect the financial rights of the elderly and fulfill the social responsibility of financial institutions [1][3] - The event focused on preventing illegal financial activities, providing convenience services, and engaging in cultural interactions with the elderly [1][3] Group 1 - Jiangxi Bank's "Gan Jin Hong Dun" volunteers emphasized the importance of educating the elderly about various illegal financial schemes, such as "health product sales with rebates" and "false pension investment projects" [3] - The volunteers used case studies and scenario simulations to reveal scam tactics, aiming to enhance the financial risk awareness of the elderly [3] - The initiative included community collaboration with local police to create a dual-dimensional educational matrix for financial safety [3] Group 2 - The event also provided information on elderly care policies, such as home modification subsidies and benefits for those over 80, ensuring that the elderly can access these resources [3] - Interactive games were organized to enrich the cultural experience of the elderly while fostering emotional connections [3] - The activity received positive feedback from the community and the elderly, showcasing the professional and caring service of Jiangxi Bank's volunteer team [3] Group 3 - Jiangxi Bank plans to continue organizing regular activities focused on financial safety education and convenience services for the elderly under the "Gan Jin Hong Dun" brand [3] - The bank aims to integrate financial safety and warm services into the elderly care scenario, contributing to the establishment of an elderly-friendly society [3]

Core Viewpoint - Jiangxi Bank has faced significant regulatory penalties and operational challenges, highlighting systemic issues in its internal control mechanisms and asset quality management [3][5][9]. Regulatory Penalties - On October 17, Jiangxi Bank was fined 1.06 million yuan for credit management violations, marking the second penalty at the headquarters level in 2025 [1]. - The bank and its branches have accumulated a total of five fines this year, exceeding 3.46 million yuan, with 11 responsible individuals held accountable [2][5]. - The penalties cover various compliance failures, indicating a widespread issue rather than isolated incidents [6]. Asset Quality and Financial Performance - As of June 2025, Jiangxi Bank's non-performing loan (NPL) ratio rose to 2.36%, surpassing the average of 1.76% for city commercial banks, with a significant increase of 0.21 percentage points since the beginning of the year [7]. - The bank's provision coverage ratio has decreased to 154.85%, indicating a narrowing buffer against potential losses [7]. - The bank's revenue for the first half of 2025 was 4.604 billion yuan, a decline of 19.99% year-on-year, while net profit fell by 9.64% to 583 million yuan [8]. Management Challenges - The bank's current difficulties stem from a leadership crisis that began in 2022, leading to significant governance failures and a lack of internal controls [9][10]. - Despite the appointment of new management in 2022, the bank's asset quality has not improved significantly, with the NPL ratio remaining above 2% [12]. - The market has reacted negatively, with Jiangxi Bank's stock price plummeting over 88% since its IPO, reflecting deep investor skepticism regarding its asset quality and future profitability [12][14].

Core Viewpoint - Jiangxi Bank is facing significant challenges related to internal control management and asset quality, highlighted by multiple regulatory fines and deteriorating financial performance [2][3][4]. Regulatory Issues - Jiangxi Bank was fined 1.06 million yuan for violating credit information regulations, with additional fines totaling 670,000 yuan for its Suzhou branch due to multiple violations [3]. - Since 2025, Jiangxi Bank and its branches have received five fines from financial regulators, totaling over 2 million yuan, indicating ongoing compliance issues [3][4]. Financial Performance - As of June 2025, Jiangxi Bank reported a non-performing loan (NPL) balance of 8.617 billion yuan, with an NPL ratio of 2.36%, which is significantly higher than the industry average of 1.76% [4]. - The bank's revenue and net profit for the first half of 2025 decreased by approximately 20% and 10%, respectively, with credit impairment losses accounting for over 60% of revenue [4][6]. Management Changes - The bank has undergone significant leadership changes since 2022, including the resignation and investigation of its former chairman and several executives, which has contributed to its current challenges [5][6]. - New executives have been appointed, including two new vice presidents in 2025, indicating a shift in management strategy [7][8]. Asset Quality Concerns - The bank's NPL rate in the real estate sector reached 19.07%, with wholesale and retail sectors also contributing significantly to the overall NPL figures [4]. - The decline in asset quality has been exacerbated by previous management practices, leading to a persistent high NPL ratio [5][6]. Market Valuation - Jiangxi Bank's stock price has plummeted from around 6 HKD at its IPO in 2018 to approximately 0.7 HKD, reflecting a significant discount in market valuation compared to its net assets [8].

Core Points - The People's Bank of China has imposed fines on Jiangxi Bank for violations related to credit information collection, provision, and management regulations [1][2] - The total fine imposed on Jiangxi Bank amounts to RMB 1.06 million, with individual fines of RMB 10,000 each for two responsible employees [1][2] Summary by Category Company Actions - Jiangxi Bank was fined RMB 1.06 million for failing to comply with credit information regulations [1][2] - Two employees, Xu and Zhou, were held responsible for the violations and fined RMB 10,000 each [1][2] Regulatory Response - The fines were issued by the Jiangxi Provincial Branch of the People's Bank of China on October 15, 2025, with the public disclosure period starting from October 17, 2025, to October 16, 2028 [1][2]

| 序号 | 当事人名称 | 行政处罚 | 违法行为类型 | 行政处罚内容 | 作出行政处罚 | 作出行政处罚 | 公示期限(自 | 备注 | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | | (姓名、职务) | 决定书文号 | | | 决定机关名称 | 决定日期 | 公示起计算 | | | | 汇西银行股份有 限公司苏州分行苏人银罚决字(2025)1 | | 违反账户管理规定: 床按规定履行客户身份识别 义务： 违反网络安全管理规 定，违反救报安全管理规定， 旋:违反数据安全管理规定: | | 中国人民银行 苏州市分行 | 2025年10月11日 | 三年 | | | | | | 违反信用信息采集、提供、查 | | | | | | | | | | 向及相关管理规定。 | | | | | | | | 阮某民(时任江 西银行股份有限 | | 对江内银行股份有限公司办 册分行以下违法行为负有责 | 罚款 3.5 万元 | 中国人民银行 苏州市分行 | 2025年10月11日 | 三年 | | | | | | 未按规定保存客户身份资料 | | | ...

Group 1 - Jiangxi Bank (01916.HK) announced that Zhang Na will resign from the position of co-secretary of the company due to work arrangement adjustments [1] - The resignation will take effect on October 17, 2025 [1]

Core Points - Jiangxi Bank (01916) announced that Ms. Zhang Na submitted her resignation as Co-Company Secretary to the board due to work arrangement adjustments, effective from October 17, 2025 [1] - Following Ms. Zhang's resignation, Mr. Wei Weifeng, another Co-Company Secretary who meets the qualifications under the Hong Kong Stock Exchange Listing Rules, will continue to serve as the Company Secretary [1]

Core Viewpoint - Jiangxi Bank announced the resignation of Ms. Zhang Na from her position as co-secretary of the company, effective October 17, 2025, due to work arrangement adjustments [1] Summary by Sections - Resignation Announcement - Ms. Zhang Na submitted her written resignation letter to the board of directors on October 17, 2025 [1] - Succession Plan - Following Ms. Zhang's resignation, Mr. Wei Weifeng, who meets the qualifications required by the Hong Kong Stock Exchange Listing Rules, will continue to serve as the company's secretary [1]