Core Viewpoint - Jiangxi Bank has reported a steady performance in its mid-year results for 2025, despite facing challenges such as insufficient effective demand, narrowing interest margins, and complex risk situations. The bank's operational data reflects a "steady progress with quality improvement" approach [2]. Financial Performance - For the first half of 2025, Jiangxi Bank achieved an operating income of 4.604 billion yuan and a net profit of 583 million yuan, maintaining a stable operational trend [2]. - As of the end of June, the total assets of Jiangxi Bank exceeded 580 billion yuan, reaching 580.297 billion yuan, which represents a growth of 1.16% compared to the beginning of the year [2]. Liability Structure - Jiangxi Bank has improved its liability structure, with total liabilities reaching 531.880 billion yuan, an increase of 1.30% since the beginning of the year [3]. - The bank's deposit absorption reached 396.770 billion yuan, growing by 1.49%, and accounting for 74.60% of total liabilities, which is an increase of 0.14 percentage points [3]. - The bank's interest expenses decreased by 443 million yuan year-on-year, with deposit interest expenses down by 233 million yuan [3]. Loan Distribution - Jiangxi Bank has strategically allocated credit resources to key areas for high-quality economic development, with total loans and advances amounting to 364.903 billion yuan, an increase of 3.39% since the beginning of the year [4]. - The bank's corporate loans and advances (including bill discounts) reached 285.711 billion yuan, accounting for 78.30% of total loans, which is an increase of 1.55 percentage points [5]. Agricultural Loans - Jiangxi Bank has expanded its financial services to rural areas, establishing 90 new inclusive financial service stations, which significantly enhanced its service reach [6]. - The agricultural loan balance reached 32.271 billion yuan, growing by 5.75% since the beginning of the year, with inclusive agricultural loans increasing by 18.25% year-on-year [6]. Future Outlook - In the second half of 2025, Jiangxi Bank plans to continue increasing credit investments, optimizing loan structures, innovating financial products, and enhancing financial services to contribute to the high-quality development of the local economy [6].

Core Viewpoint - Jiangxi Bank reported a decline in both operating income and net profit for the first half of 2025, indicating ongoing challenges in its financial performance [1][2]. Financial Performance - For the first half of 2025, Jiangxi Bank achieved operating income of 4.604 billion RMB, a decrease of 19.91% compared to 5.748 billion RMB in the same period of 2024 [1][2]. - The net profit attributable to shareholders was 557.64 million RMB, down 10.53% from 623.25 million RMB in the previous year [1][2]. - Net interest income decreased by 5.27% to 3.777 billion RMB, while net fee and commission income increased by 5.27% to 245.58 million RMB [2]. Asset Quality - As of June 30, 2025, the non-performing loan (NPL) ratio was 2.36%, an increase of 0.21 percentage points from the end of the previous year [2][3]. - The bank recorded asset impairment losses of 2.773 billion RMB, a reduction of 9.01 million RMB compared to the same period last year [3][4]. Balance Sheet Highlights - Total assets reached 580.297 billion RMB, reflecting a 1.16% increase from 573.635 billion RMB at the end of 2024 [3]. - The net amount of loans and advances was 352.673 billion RMB, up 3.09% from 342.089 billion RMB [3]. - Total equity attributable to shareholders decreased by 0.40% to 47.595 billion RMB [3]. Historical Context - In 2022, Jiangxi Bank reported operating income of 12.714 billion RMB, a year-on-year increase of 14.08%, but net profit fell by 25.15% to 1.550 billion RMB [4]. - For 2023, the bank's operating income was 11.297 billion RMB, down 11.15%, and net profit was 1.036 billion RMB, a decrease of 33.13% [5]. - In 2024, operating income slightly increased to 11.559 billion RMB, with a net profit of 1.057 billion RMB, reflecting a 2% growth [5].

| 第一章 | 公司簡介 | 2 | | --- | --- | --- | | 第二章 | 會計數據及財務指標摘要 | 4 | | 第三章 | 管理層討論與分析 | 7 | | 第四章 | 股本變動及股東情況 | 60 | | 第五章 | 董事、監事、高級管理人員、員工及機構情況 | 73 | | 第六章 | 企業管治 | 83 | | 第七章 | 重要事項 | 86 | | 第八章 | 致董事會審閱報告 | 92 | | 第九章 | 未經審計簡明合併損益及其他綜合收益表 | 94 | | 第十章 | 未經審計簡明合併財務狀況表 | 96 | | 第十一章 | 未經審計簡明合併權益變動表 | 98 | | 第十二章 | 未經審計簡明合併現金流量表 | 101 | | 第十三章 | 未經審計中期簡明合併財務報表附註 | 104 | | 第十四章 | 未經審計補充財務信息 | 227 | | 釋義 | | 231 | * 本中期報告以中、英文編製。倘中英文版本有任何歧義，概以中文版本為準。 第一章 公司簡介 1.1 公司基本情況 江西銀行股份有限公司 （於中華人民共和國註冊成立的股份有限公司） 股份代號 : 1 ...

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8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9月3日 第 1 頁 共 10 頁 v 1.1.1 FF301 II. 已發行股份及/或庫存股份變動 | 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 | | | | | | | | | 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 | | 2. 股份分類 | 普通 ...

Core Viewpoint - Jiangxi Bank reported its mid-term performance for the first half of 2025, showing stable growth in revenue, profit, and total assets [1] Financial Performance - The group's operating income reached 4.604 billion yuan, while operating expenses were 1.357 billion yuan, resulting in a net profit of 583 million yuan and a net profit attributable to shareholders of 558 million yuan [1] - The total assets of the group amounted to 580.297 billion yuan, reflecting a growth of 1.16% compared to the end of the previous year [1] - The total amount of loans and advances issued was 364.903 billion yuan, which represents a growth of 3.39% from the end of the previous year [1] - The total deposits absorbed by the bank reached 396.770 billion yuan, marking an increase of 1.49% compared to the end of the previous year [1]

Core Viewpoint - Jiangxi Bank (01916.HK) announced the resignation of Mr. Shu Quan from his position as a non-executive director of the board due to adjustments in his work unit, effective August 29, 2025 [1] Summary by Relevant Sections - Resignation Announcement - Mr. Shu Quan submitted his resignation to the board of directors on August 29, 2025, and will not serve as a non-executive director [1] - Regulatory Implications - The bank will not apply to the Jiangxi Regulatory Bureau of the National Financial Supervision Administration for Mr. Shu Quan's qualification to serve as a director [1]

Core Viewpoint - Jiangxi Bank (01916.HK) reported a decline in key financial metrics for the six months ending June 30, 2025, indicating challenges in its operational performance [1] Financial Performance - Net interest income was RMB 3.777 billion, a decrease of 5.27% year-on-year [1] - Operating revenue amounted to RMB 4.604 billion, reflecting a year-on-year decline of 19.91% [1] - Net profit attributable to shareholders was RMB 558 million, down 10.53% compared to the previous year [1] - Basic earnings per share stood at RMB 0.09 [1]

Group 1 - Jiangxi Bank (01916) announced that Mr. Shu Quan submitted his resignation to the board of directors on August 29, 2025, due to adjustments in his work unit [1] - The bank will not apply to the Jiangxi Regulatory Bureau of the National Financial Supervision Administration for Mr. Shu Quan's qualification to serve as a director [1] - Mr. Shu Quan will not hold the position of non-executive director in the bank [1]

Core Viewpoint - Jiangxi Bank (01916) reported a decline in both revenue and net profit for the six months ending June 30, 2025, indicating challenges in the current financial environment [1] Financial Performance - The group achieved operating revenue of 4.604 billion yuan, a year-on-year decrease of 19.91% [1] - Net profit attributable to shareholders was 558 million yuan, down 10.53% year-on-year [1] - Basic earnings per share stood at 0.09 yuan [1] Asset and Loan Growth - As of the end of the reporting period, total assets reached 580.297 billion yuan, reflecting a growth of 1.16% compared to the end of the previous year [1] - Total loans and advances amounted to 364.903 billion yuan, an increase of 3.39% from the previous year [1] - Total deposits reached 396.770 billion yuan, growing by 1.49% year-on-year [1] Strategic Focus - The bank continued to optimize its credit asset structure, increasing lending to key sectors such as the "Five Major Articles" and "1269" manufacturing industries, with growth rates in these areas surpassing overall loan growth [1] - The bank emphasized enhancing customer service capabilities, resulting in steady growth in both corporate and individual customer bases [1] - Efforts were made to manage existing risks while preventing new risks, alongside a push for digital transformation to improve service quality [1]

Core Viewpoint - Jiangxi Bank (01916) reported a decline in both revenue and net profit for the six months ending June 30, 2025, indicating challenges in its financial performance [1] Financial Performance - The group achieved operating revenue of 4.604 billion yuan, a year-on-year decrease of 19.91% [1] - Net profit attributable to shareholders was 558 million yuan, down 10.53% year-on-year [1] - Basic earnings per share stood at 0.09 yuan [1] Asset and Loan Growth - As of the end of the reporting period, total assets reached 580.297 billion yuan, reflecting a growth of 1.16% compared to the end of the previous year [1] - Total loans and advances amounted to 364.903 billion yuan, an increase of 3.39% year-on-year [1] - Total deposits reached 396.770 billion yuan, growing by 1.49% from the previous year [1] Strategic Focus - The bank continued to optimize its credit asset structure, increasing lending to key sectors such as the "Five Major Articles" and "1269" manufacturing [1] - The growth rate of loans in key areas exceeded the overall loan growth rate [1] - The bank emphasized enhancing customer service capabilities, resulting in steady growth in both corporate and individual customer bases [1] Risk Management and Digital Transformation - The bank managed to balance the clearing of existing risks while preventing new risks [1] - There was a focus on deepening the integration of finance and technology, accelerating digital transformation efforts, and improving service intelligence levels [1]