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]

董事名單及其角色與職能 江西銀行股份有限公司董事（「董事」）會（「董事會」）的成員載列如下： 執行董事 曾暉女士 （董事長） 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 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） 楊愛林先生 劉興華先生 王菲米蘭女士 何恩良先生 1 董事會設有六個委員會。下表提供各董事會成員在該等委員會中擔任的職位。 | 委員會 | 戰略發展與 | | | | | 合規管理與 | | --- | --- | --- | --- | --- | --- | --- | | | 數字化轉型 | | 關聯交易 | 風險管理 | 薪酬與 | 消費者權益 | | 董事 | 委員會 | 審計委員會 | 控制委員會 | 委員會 | 提名委員會 | 保護委員會 | | 曾暉女士 | 主任委員 | | | | | | | 駱小林先生 | 委員 | | | 主任委員 | | | | 尹光星先生** | 委員 | | | | | | | 熊潔敏女士 | | 委員 | | | | 委員 ...

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） 董事候選人辭任 茲提述江西銀行股份有限公司*（「本行」）日期為2025年6月4日及2025年6月27日 的公告以及日期為2025年6月6日的通函，內容有關（其中包括）本行2024年度股 東周年大會通過了選舉舒荃先生為本行非執行董事。舒荃先生的任職自國家金融 監督管理總局江西監管局核准其董事任職資格之日起生效。 舒荃先生因工作單位調整原因，於2025年8月29日向本行董事會提交辭呈，申請 不擔任本行第四屆董事會非執行董事。因此，本行不會向國家金融監督管理總局 江西監管局申請核准舒荃先生出任本行董事的任職資格，舒荃先生將不會擔任本 行非執行董事。 舒荃先生已確認其與本行董事會、監事會無不同意見，亦無任何有關其辭任之事 宜須敦請本行股東及債權人垂注。 承董事會命 江西銀 ...

Financial Performance - For the six months ended June 30, 2025, net interest income was RMB 3,777.26 million, a decrease of 5.27% compared to RMB 3,987.32 million in 2024[11]. - Total operating income for the same period was RMB 4,603.65 million, down 19.91% from RMB 5,748.29 million in 2024[11]. - The bank reported a pre-tax profit of RMB 477.33 million, reflecting a decline of 28.62% from RMB 668.75 million in the previous year[11]. - Net profit for the period was RMB 582.64 million, a decrease of 9.64% compared to RMB 644.80 million in 2024[11]. - The return on average total assets was 0.20%, down from 0.23% in 2024, indicating a decline of 0.03%[11]. - The average equity return rate decreased to 2.81% from 3.19%, a drop of 0.38%[11]. - The net interest margin was 1.32%, down from 1.48%, reflecting a decrease of 0.16%[11]. - The cost-to-income ratio increased to 27.98% from 23.13%, an increase of 4.85%[11]. - The bank's net profit attributable to shareholders was RMB 557.64 million, down 10.53% from RMB 623.25 million in 2024[11]. - Basic earnings per share decreased to RMB 0.09 from RMB 0.10, a decline of 10.00%[11]. Asset and Loan Growth - Total assets reached RMB 580,296.63 million as of June 30, 2025, reflecting a growth of 1.16% compared to the end of 2024[13]. - Net loans and advances amounted to RMB 352,673.10 million, an increase of 3.09% from the end of 2024[13]. - The total amount of loans and advances issued amounted to RMB 364,903 million, with a net amount of RMB 352,673 million, representing 60.77% of total assets[59]. - The total corporate loans and advances (including discounted bills) amounted to RMB 285.71 billion, an increase of RMB 14.84 billion, or 5.48%, driven by increased lending in key areas such as technology finance and green finance[62]. - The total personal loans and advances reached RMB 79.19 billion, a decrease of RMB 2.88 billion, or 3.51%, primarily due to a decline in housing mortgage loan demand[64]. Non-Performing Loans and Risk Management - The non-performing loan ratio increased to 2.36% from 2.15% at the end of 2024, representing a rise of 0.21%[13]. - The group’s loan quality analysis shows a total of RMB 8.617 billion in non-performing loans as of June 30, 2025[84]. - The NPL ratio for mortgage loans was 3.95%, with a total amount of RMB 75,907.77 million[89]. - The NPL ratio for guaranteed loans was 2.08%, with a total amount of RMB 223,645.79 million[89]. - The NPL ratio for credit loans was 1.45%, with a total amount of RMB 46,936.94 million[89]. Capital and Equity - The capital adequacy ratio decreased to 13.08% from 13.47% at the end of 2024, a decline of 0.39%[13]. - The core Tier 1 capital adequacy ratio as of June 30, 2025, is 9.01%, down from 9.30% as of December 31, 2024[173]. - The total capital adequacy ratio as of June 30, 2025, is 13.08%, compared to 13.47% as of December 31, 2024[174]. - The leverage ratio as of June 30, 2025, is 7.81%, slightly decreased from 7.87% as of December 31, 2024[175]. - The total equity of the group as of June 30, 2025, is RMB 48.416 billion, with equity attributable to shareholders amounting to RMB 47.595 billion[80]. Deposits and Funding - The total amount of deposits absorbed by the group was RMB 396.77 billion, an increase of RMB 5.84 billion, or 1.49% compared to the end of the previous year[72]. - The balance of interbank and other financial institution deposits was RMB 6.14 billion, a decrease of RMB 10.54 billion, attributed to optimization of interbank liability structure[74]. - The amount borrowed from the central bank was RMB 30.10 billion, an increase of RMB 1.57 billion, reflecting more support from central bank monetary policy tools[76]. - The total issued bonds amounted to RMB 59.17 billion, a decrease of RMB 6.30 billion, mainly due to a reduction in outstanding interbank certificates[78]. Digital Transformation and Customer Engagement - The company aims to enhance customer service capabilities and accelerate digital transformation to improve service quality[20]. - The bank has completed 10 out of 22 planned digital transformation projects, enhancing its digital capabilities across various business lines[145]. - The bank's digital marketing platform has engaged over 3,600 clients within four months of launch, enhancing its corporate business marketing capabilities[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 customer service center handled a total of 416,500 calls during the reporting period, with an average daily call volume of 2,301 and a call connection rate of 96.47%[144]. Shareholder Structure and Corporate Governance - The total issued share capital of the company as of June 30, 2025, 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 no controlling shareholders or actual controllers[181]. - The shareholder structure reflects a strong influence of local government entities, indicating a stable ownership base[10]. - The company is committed to enhancing its capital structure and shareholder value through strategic investments and partnerships[5].

Core Viewpoint - The appointment of Chief Compliance Officers (CCOs) in listed banks is increasing, following the implementation of the Compliance Management Measures by the Financial Regulatory Bureau, which mandates the establishment of CCO positions at the headquarters of financial institutions starting from March this year [1][10]. Group 1: Appointments and Recruitment - Recently, Zijin Bank and Jiangsu Bank announced the appointment of their respective CCOs, with Jiangsu Bank appointing Yuan Jun, who is also the bank's president [3]. - Zijin Bank appointed Que Zhenghe as both the president and CCO, pending approval from financial regulatory authorities [4]. - Several banks, including Jiangxi Bank, are publicly recruiting for the CCO position, with specific requirements for candidates [5][6]. Group 2: Compliance Management Measures - The Compliance Management Measures, effective from March 2025, represent the first unified regulatory framework for compliance management across various financial sectors in China [9][10]. - The measures stipulate that financial institutions must establish CCO roles at their headquarters and may also appoint compliance officers at provincial or primary branch levels [10]. - The measures allow for the bank president or other senior management to concurrently hold the CCO position, exempting them from the qualification requirements [10]. Group 3: Historical Context and Trends - The role of CCO is not entirely new, as several banks have had CCOs since 2014, with various institutions already having their CCO qualifications approved [8][9]. - The trend indicates that many banks are promoting internal candidates or having existing executives take on the CCO role, while smaller banks are actively seeking to fill these positions with younger candidates [5][6].

Core Viewpoint - Jiangxi Bank (01916.HK) announced that its board meeting will be held on August 29, 2025, to consider and approve the interim results for the six months ending June 30, 2025, along with their release [1] Group 1 - The board meeting is scheduled for August 29, 2025 [1] - The meeting will focus on the approval of the interim results for the first half of 2025 [1] - The results will cover the period ending June 30, 2025 [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） * 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 2025年8月29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6月30日止六個月之中期業績及其發佈。 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年8月19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**、舒荃先生**、熊潔敏女士、李水平先生及彭曦遠先生；以及 獨立非執行董事楊愛林先生、劉興華先 ...