Core Insights - The company reported a significant increase in store openings, with 361 new stores added in Q3 2025, representing a 98% growth compared to the same period in 2024 [1] - As of September 30, 2025, the total number of stores reached 10,761 [1] - Revenue for Q3 2025 is projected to be between RMB 1.85 billion and RMB 2.05 billion, reflecting a year-on-year growth of approximately 13.6% to 25.8% [1] - Core operating profit is estimated to be between RMB 65 million and RMB 75 million, showing a year-on-year increase of about 44.4% to 66.7% [1]

Core Insights - The launch of the AI intelligent document review system by Jinshan Bank marks a significant upgrade in the bank's corporate account opening services, transitioning to an "AI-driven, human-machine collaboration" model [1][3] - The system utilizes multi-modal recognition technology to automate the parsing of key documents, significantly reducing manual data entry and enhancing processing efficiency [1][2] - Jinshan Bank's innovative design includes a dual-process architecture that allows for seamless switching between AI and traditional processes, ensuring business continuity and operational safety [1][2] Technology and Innovation - The AI system is built on Jinshan Bank's self-developed intelligent rule engine and dynamic review knowledge base, enabling multi-dimensional verification and logical reasoning capabilities [1][2] - The project emphasizes a "controllable risk, optimal efficiency, and trustworthy data" philosophy, addressing the inherent "black box" risks associated with AI technology [2] - The introduction of the AI business assistant "Jinbao" provides comprehensive support for review personnel, enhancing decision-making accuracy and operational efficiency [2] Strategic Importance - The implementation of the AI intelligent document review system aligns with the People's Bank of China's call for accelerating the digital and intelligent transformation of the financial sector [3] - This initiative signifies the entry of Jinshan Bank's online appointment account opening services into the "3.0 era," indicating a commitment to further integrate AI technology into financial services [3]

Group 1 - The core viewpoint of the articles highlights the performance of various financial products in the Chinese wealth management market, indicating a mixed trend in returns across different investment vehicles [1][2][3] Group 2 - In September, the average annualized yield of selected cash management products in the national bank wealth management market was 1.32%, an increase of 1 basis point from the previous month, but a decrease of 194 basis points from the baseline period [1] - The investment return for selected medium-low risk six-month investment cycle products in September was 0.37%, a decrease of 2 basis points month-on-month, while the six-month return remained stable at 0.95% [1] - The comprehensive yield index for selected medium-low risk six-month investment cycle products was 116.31 points in September, reflecting a month-on-month increase of 0.14% and a growth of 16.31% from the baseline [2] - The comprehensive yield index for selected medium-low risk one-year investment cycle products was 116.53 points, also showing a month-on-month increase of 0.14% and a growth of 16.53% from the baseline [2] Group 3 - In the trust market, the weighted average yield of collective trust products decreased by 14 basis points to 5.29%, with short-term products dropping to 4.92% and long-term products to 5.45% [2] - The average seven-day annualized yield of money market funds in September was 1.21%, unchanged from the previous month but down 127 basis points from the peak in December 2020 [2] - The past six-month performance of bond funds was a gain of 1.76%, while mixed funds gained 19.41%, and stock funds gained 22.62% [2] Group 4 - The bond fund yield index was 81.87 points, down 16.23 points month-on-month, and down 18.13 points from the December 2020 baseline [3] - The mixed fund yield index was 54.22 points, down 27.46 points month-on-month, and down 45.78 points from the December 2020 baseline [3] - The stock fund yield index was 66.73 points, down 45.77 points month-on-month, and down 33.27 points from the December 2020 baseline [3] - The past six-month performance of composite strategy private equity funds was a gain of 24.26%, while stock strategy private equity funds gained 24.37% [3]

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9月30日 狀態: 新提交 致：香港交易及結算所有限公司 公司名稱: 晉商銀行股份有限公司 (「本行」) (見備註) 呈交日期: 2025年10月3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) | 02558 | 說明 | | | | | | | | | | 法定/註冊股份數目 | | | 面值 | | 法定/註冊股本 | | | 上月底結存 | | | 970,650,000 | RMB | | 1 RMB | | 970,650,000 | | 增加 / 減少 (-) | | | 0 | | | RMB | | 0 | | 本月底結存 | | | 970,650,000 | RMB | | 1 RMB | | 970,650,000 | | 2. 股份分類 | 普通股 | 股份 ...

Core Viewpoint - The sixth "Alliance Cup" internal trainer competition organized by the Asian Financial Cooperation Alliance was held in Taiyuan, Shanxi, focusing on the cultivation of financial talent and knowledge transfer [1][3][6]. Group 1: Event Overview - The event took place from September 25 to 26, attracting over 100 training leaders and internal trainers from 24 financial institutions across the country [1][3]. - The theme of the competition was "Empowering Growth and Innovating the Future of Finance," aimed at discovering and cultivating a high-quality, professional internal trainer team [3][6]. Group 2: Key Contributions and Statements - The chairman of Jinshang Bank emphasized the importance of a comprehensive mechanism for talent development, highlighting the bank's commitment to nurturing talent and enhancing organizational capabilities [3][6]. - The Secretary-General of the Asian Financial Cooperation Alliance noted the role of internal trainers as "knowledge ferrymen," responsible for experience transmission, skill transfer, and cultural dissemination [6][10]. Group 3: Competition Highlights - A total of 38 contestants showcased their professional skills through diverse presentation styles, including engaging speeches and real-life case studies [9]. - Five contestants were awarded the highest honor of "Master King," along with various other awards for excellence in organization and performance [9]. Group 4: Future Aspirations - The event is expected to act as a catalyst for developing high-quality courses that address practical business challenges, with hopes for Jinshang Bank to lead in exploring financial talent development [7][10]. - The Asian Financial Cooperation Alliance aims to continue serving as a bridge for resource sharing and deeper collaboration among financial institutions [7][10].

晉商銀行股份有限公司 JINSHANG BANK CO., LTD. （於中華人民共和國註冊成立的股份有限公司） 股份代號：2558 2025 中 期 報 告 2025 中 期 報 告 晉商銀行股份有限公司 目錄 | 釋義 | 02 | | --- | --- | | 公司簡介 | 04 | | 會計數據及財務指標概要 | 08 | | 管理層討論與分析 | 12 | | 股本變動及股東資料 | 70 | | 董事、監事、高級管理層及僱員 | 78 | | 企業管治及其他資料 | 106 | | 中期財務資料的審閱報告 | 118 | | 簡要合併損益及其他綜合收益表 | 119 | | 簡要合併財務狀況表 | 121 | | 簡要合併股東權益變動表 | 123 | | 簡要合併現金流量表 | 126 | | 簡要合併中期財務報表附註 | 129 | | 未經審計補充財務信息 | 227 | | 分支機構一覽表 | 232 | 釋義 在本中期報告中，除非文義另有所指，否則下列詞語具有如下涵義： | 「公司章程」 | 指 | 本行的公司章程，或會不時修訂、補充或以其他方式修改 | | --- | --- | - ...

注：业绩比较基准不是预期收益率，不代表产品的未来表现和实际收益，不构成对产品收益的承诺。 以上理财产品信息仅供参考，具体应以《产品说明书》等销售文件为准。本文不构成任何投资建议，投 资者据此操作，风险自担。 9月16日，据晋商银行披露，该行发行的丰盈封闭式理财产品25096期（固收增强）募集期为2025年9月 16日-2025年9月24日，产品规模不超过5亿元，购买起点金额1万元。产品类型为固定收益类，产品风险 等级为中低风险（R2），产品存续期限525天，业绩比较基准为：2.10%-3.30%。 （晋商银行） ...

消费日报网讯（记者 卢岳）晋商银行发布半年财报显示，上半年实现营业收入27.36亿元,同比下降1.8%；净利润10.51亿元,同比增长2%。该行营收下滑 主要原因是利息净收入下降，利润增长则依赖投资证券收益净额大增44.5%及营业支出下降等。 报告期末，晋商银行前十大客户贷款集中度达54.4%，超出监管红线。在资产质量方面，该行个贷不良率攀升至2.71%，对公不良率有所下降。近日晋 商银行宣布，该行拟转让14.21亿元不良资产预计录得11.11亿元亏损，并需额外计提3.66亿元减值准备。 目前，晋商银行的消费贷业务正在扩张，其旗下晋商消金投诉也在增长，投诉量达数千条，涉及合作方违规催收、变相高息等问题。另外，二者与已被 立案侦查的P2P平台达飞云贷存在合作纠纷，引发"双重催收""两头还款"争议。 两折转让不良资产 公开资料显示：晋商银行2008年由太原市商业银行更名，2009年2月28日正式挂牌成立，并于2019年7月18日在香港交易所上市。 2025年上半年，晋商银行实现营业收入27.36亿元，同比减少1.8%；净利润为10.51亿元，同比增长2%。 | 營業收入 | 2,735.7 | 2,786.7 | ...

Group 1 - The core point of the article is that Jinshang Bank has launched a new fixed-income wealth management product, with a fundraising period from September 9, 2025, to September 17, 2025, and a maximum scale of 500 million yuan [1] - The product has a minimum investment amount of 10,000 yuan and is classified as a medium-low risk product (R2) with a duration of 525 days [1] - The performance benchmark for the product is set between 2.10% and 3.30%, although this does not represent the expected return or guarantee future performance [1]

| 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) | 02558 | 說明 | | | | | | | | | | 法定/註冊股份數目 | | | 面值 | | 法定/註冊股本 | | | 上月底結存 | | | 970,650,000 | RMB | | 1 RMB | | 970,650,000 | | 增加 / 減少 (-) | | | 0 | | | RMB | | 0 | | 本月底結存 | | | 970,650,000 | RMB | | 1 RMB | | 970,650,000 | | 2. 股份分類 | 普通股 | 股份類別 | 其他類別 (請註明) | 於香港聯交所上市 (註1) | | 否 | | | --- | --- | --- | --- | --- | --- | --- | --- | | 證券代號 (如上市) | N/A | 說明 | 內資股 | | | | | | | | 法定 ...