此乃要件 請即處理 閣下如對本通函任何方面或應採取的行動有任何疑問，應諮詢 閣下的股票經紀或其他註冊證券商、銀行 經理、律師、專業會計師或其他專業顧問。 閣下如已售出或轉讓名下所有江西銀行股份有限公司*股份，應立即將本通函連同臨時股東大會代表委任 表格交予買主或承讓人，或經手買賣或轉讓的銀行、股票經紀或其他代理商，以便轉交買主或承讓人。 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通函的內容概不負責，對其準確性或完整性亦 不發表任何聲明，並明確表示概不就因本通函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。 JIANGXI BANK CO., LTD.* 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：1916） 發行100億元普通金融債券 選舉非執行董事 及 2025年第二次臨時股東大會通告 董事會函件載於本通函第3頁至第7頁。 本行將於2025年10月16日（星期四）上午9時30分假座中國江西省南昌市紅谷灘區金融大街699號江西銀行 大廈三樓會議室現場召開臨時股東大會。臨時股東大會通告載於本通函第8頁至第10頁。 臨時股東大會適用之代表委 ...

Core Viewpoint - Jiangxi Bank (01916) announced the board's approval to recommend Mr. Li Xiuhong as a non-executive director, pending shareholder meeting approval and regulatory qualification [1] Group 1 - Mr. Li Xiuhong's appointment will take effect after approval from the shareholder meeting and the qualification from the Jiangxi Regulatory Bureau of the National Financial Supervision Administration [1] - The term of Mr. Li will last until the end of the fourth board term of the bank, with the possibility of re-election upon term expiration [1]

Core Points - Jiangxi Bank (01916.HK) announced the board's approval to appoint Li Xiuhong as a non-executive director, pending shareholder meeting approval and regulatory qualification [1] Group 1 - The appointment of Li Xiuhong will take effect from the date of approval by the National Financial Supervision Administration's Jiangxi Regulatory Bureau [1] - Li Xiuhong's term will last until the end of the fourth board term, with the possibility of re-election upon term expiration [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。 JIANGXI BANK CO., LTD.* 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：1916） 就2025年第二次臨時股東大會 暫停辦理H股股份過戶登記手續 江西銀行股份有限公司*（「本行」）謹此宣佈，本行擬於2025年10月16日（星期四） 舉行2025年第二次臨時股東大會（「臨時股東大會」）。 為確定有權出席臨時股東大會並於會上投票的本行H股股東名單，本行將自2025年 10月13日（星期一）起至2025年10月16日（星期四）止期間（包括首尾兩日）暫停辦理 股份過戶登記，該期間不辦理股份過戶手續。於2025年10月16日（星期四）營業時 間結束時名列本行股東名冊的H股股東將有權出席臨時股東大會並可於會上投票。 本行將適時發佈載有於臨時股東大會上提呈的決議案詳情的通函連同會議的通告。 承董事會命 江西銀行股份有限公司* 董事長 曾暉 中國，南昌，2025 ...

Core Viewpoint - Jiangxi Bank (01916) announced the board's approval to recommend Mr. Li Xiuhong as a non-executive director, pending shareholder meeting approval and regulatory qualification [1] Group 1 - Mr. Li Xiuhong's appointment will take effect after approval from the Jiangxi Regulatory Bureau of the National Financial Supervision Administration [1] - His term will last until the end of the fourth board term of the bank, with the possibility of re-election [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） 建議委任非執行董事 江西銀行股份有限公司*（「本行」）董事會（「董事會」）謹此公佈，於2025年9月24 日，董事會審議通過建議委任李秀宏先生（「李先生」）為本行非執行董事。李先生 的任職經本行股東大會批准後，自國家金融監督管理總局江西監管局核准其董事 資格之日起生效，任期至本行第四屆董事會任期屆滿為止，任期屆滿後可以連選 連任。 根據香港聯合交易所有限公司證券上市規則（「上市規則」）第13.51(2)條而須予披 露之李先生的履歷詳情載列如下： 李秀宏先生，1979年生，研究生學歷，現任江西省交通投資集團有限責任公司戰 略發展部副部長（董事會辦公室副主任）。2006年9月至2010年5月任江西贛粵高速 公路股份有限公司研究發展部員工；2010年5月至2019年5月任江西省高速公路投 資集團有限責任公司資產運營部戰略規劃處經理；2019年 ...

Core Viewpoint - Jiangxi Bank reported a decline in both revenue and net profit for the first half of 2025, primarily due to a significant drop in investment income [4][5]. Financial Performance - For the first half of 2025, Jiangxi Bank achieved revenue of 4.604 billion yuan, a decrease of 19.91% year-on-year [3]. - The net profit attributable to shareholders was 558 million yuan, down 10.53% compared to the previous year [3]. - Interest income was 377.726 million yuan, a decline of 5.27% year-on-year [3]. - Net commission and fee income increased by 5.27% to 24.558 million yuan [3]. - Investment income plummeted to 461 million yuan, a decrease of 65.88% year-on-year, down 889 million yuan from the previous year [5][6]. 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 2024 [8]. - The total amount of non-performing loans reached 8.617 billion yuan, up 1.029 billion yuan from the end of 2024 [8]. - The overdue loan balance was 13.171 billion yuan, an increase of 3.189 billion yuan from the end of 2024 [8]. - The bank's provision coverage ratio was 154.85%, down 5.2 percentage points from the end of 2024 [8]. Investment Strategy - Jiangxi Bank's financial investment balance as of mid-2025 was 158.014 billion yuan, a decrease of 6.377 billion yuan year-on-year [7]. - The bank reduced its fund investments by 37.79% to 18.430 billion yuan while increasing bond investments by 8.98% to 127.008 billion yuan [6]. Regulatory and Compliance Issues - Jiangxi Bank was rated as "D" class in a recent evaluation of underwriters, indicating weak business capabilities and compliance issues [10][11]. - The bank faced administrative penalties for improper handling of non-performing loans and other regulatory violations [9][12].

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].

Financial Performance - Net interest income for the first half of 2025 was RMB 3,777.26 million, a decrease of 5.27% compared to RMB 3,987.32 million in 2024[10] - Total operating income decreased by 19.91% to RMB 4,603.65 million from RMB 5,748.29 million in the previous year[10] - The net profit for the period was RMB 582.64 million, down 9.64% from RMB 644.80 million in 2024[10] - The average return on total assets was 0.20%, down from 0.23% in 2024, indicating reduced profitability[10] - The bank's basic earnings per share decreased to RMB 0.09, down 10.00% from RMB 0.10 in the previous year[10] - The cost-to-income ratio increased to 27.98% from 23.13%, reflecting higher operational costs relative to income[10] - The liquidity coverage ratio decreased significantly to 357.49% from 403.22%, indicating a decline in liquidity position[12] - The group recorded a financial investment income of RMB 4,610 million, a decrease of RMB 8,890 million or 65.73% compared to the previous year, primarily due to market interest rate fluctuations[51] - Operating expenses for the period were RMB 13,571 million, a decrease of RMB 540 million or 3.81% from the previous year, reflecting ongoing cost reduction efforts[52] Asset Quality - The non-performing loan ratio increased to 2.36% from 2.15% in the previous year, indicating a deterioration in asset quality[12] - The capital adequacy ratio decreased to 13.08% from 13.47% at the end of 2024, showing a decline in capital strength[12] - The group reported a decrease in impairment losses on assets of RMB 900.53 million or 24.52% year-on-year, amounting to RMB 2,772.62 million for the reporting period[54] - The total amount of loans and advances was RMB 364.90307 billion, with a non-performing loan ratio of 2.36%[84] - The proportion of normal loans was 93.90%, while the amount of non-performing loans was RMB 8.61727 billion[84] Loan and Deposit Growth - The total loans and advances issued reached RMB 364.903 billion, reflecting a growth of 3.39% year-on-year[20] - Total deposits amounted to RMB 396.770 billion, showing a year-on-year increase of 1.49%[20] - The total amount of corporate loans was RMB 249,992.20 million, accounting for 68.51% of total loans, with NPLs amounting to RMB 6,265.01 million, representing 2.51%[88] - Personal loans totaled RMB 79,191.92 million, making up 21.70% of total loans, with NPLs of RMB 2,352.26 million, or 2.97%[88] - The balance of inclusive loans for small and micro enterprises reached RMB 55.669 billion, increasing by RMB 3.067 billion, a growth of 5.83%[120] Shareholder Information - As of June 30, 2025, the total issued share capital of the company is RMB 6,024,276,901, consisting of 1,345,500,000 H-shares and 4,678,776,901 domestic shares[181] - The largest shareholder, Jiangxi Provincial Transportation Investment Group, holds 937,651,339 shares, representing 15.56% of the total share capital[185] - The company has a diverse shareholder base, with several state-owned enterprises holding substantial stakes, reflecting strong government support[10] - The company has no controlling shareholders or actual controllers[181] Risk Management - The bank is enhancing its credit risk management capabilities by establishing a credit risk monitoring mechanism and improving the identification and prevention of potential risks[154] - The bank has implemented measures to strengthen operational risk management, including the establishment of an operational risk management system and enhancing capital measurement accuracy[165] - The bank's market risk management includes strict monitoring of interest rate and exchange rate risks, ensuring that exposures remain within acceptable limits[161][162] - The bank is actively optimizing liquidity risk management policies and expanding its core liabilities to maintain a stable asset-liability structure[156] Digital Transformation and Customer Engagement - The company has completed 10 out of 22 planned digital transformation projects, enhancing its digital capabilities across various business lines[145] - The bank has implemented a digital management transformation plan to improve operational efficiency and customer service through various digital platforms[145] - The total number of registered personal electronic banking customers increased by 8.67% year-on-year, with average monthly active users growing by 17.41%[143] - The bank has established 90 new inclusive financial service stations in rural areas in the first half of 2025[177] Corporate Strategy - The group aims to enhance its corporate deposit business by focusing on low-cost deposit marketing and optimizing the deposit structure, targeting key local construction projects and quality clients[105] - The company aims to enhance credit structure and innovate financial products to support economic development under the "Four Stabilizations" policy[180] - The company plans to increase credit investment and improve financial services to achieve high-quality development[180]