Core Viewpoint - Jinshang Bank is focusing on high-quality development while effectively serving the real economy, preventing and resolving risks, and continuously promoting reform and transformation, maintaining a steady and improving development trend in the first half of 2025 [1] Group 1: Business Performance - As of June 30, 2025, Jinshang Bank's total assets reached 388.26 billion yuan, an increase of 11.95 billion yuan, or 3.2% from the end of the previous year [3] - The deposit balance was 304.08 billion yuan, up 3.21 billion yuan, or 1.1% from the end of the previous year [3] - The loan balance was 208.64 billion yuan, an increase of 7.23 billion yuan, or 3.6% from the end of the previous year [3] - The net profit was 1.05 billion yuan, an increase of 20 million yuan compared to the same period last year [3] Group 2: Support for the Real Economy - Jinshang Bank has increased support for key areas such as industrial transformation, energy revolution, and infrastructure construction, developing inclusive financial products for small and micro enterprises [5] - The total amount of corporate loans reached 136.61 billion yuan, an increase of 7.3% from the end of the previous year [5] - The balance of inclusive small and micro enterprise loans was 12.62 billion yuan, an increase of 9.2% from the end of the previous year, with the number of loan accounts increasing by 2,491 to 8,067 [6] Group 3: Risk Management - Jinshang Bank emphasizes risk management, with a non-performing loan ratio of 1.77% as of June 30, 2025, maintaining stable asset quality [8] - The provision coverage ratio was 215.00%, an increase of 9.54 percentage points from the end of the previous year [9] - The capital adequacy ratio was 12.96%, up 0.12 percentage points, while the core tier 1 capital adequacy ratio was 10.27%, also up 0.09 percentage points [9] Group 4: Digital Transformation - The bank has made significant progress in digital transformation, with small and micro credit customers increasing by 140.4% since the beginning of the year [11] - The number of mobile banking registered users grew by 5.0%, and the average monthly active users increased by 5.3% [11] - The bank launched the "Jinshang e-loan - Code Loan" product, supporting 5,335 small and micro enterprises with a total credit of 830 million yuan [11] Group 5: Internal Development and Reform - Jinshang Bank is enhancing corporate governance and management of its subsidiaries, while also promoting a "learning bank" initiative [13] - The bank aims to optimize asset allocation, deepen technological empowerment, and strengthen risk control to achieve sustainable profitability and resilient development [14]

截至2025年6月末，晋商银行总资产达到3882.6亿元，较上年末增长119.5亿元，增幅3.2%；存款余额为 3040.8亿元，较上年末增长32.1亿元，增幅1.1%；贷款余额为2086.4亿元，较上年末增长72.3亿元，增 幅3.6%。实现净利润10.5亿元，较去年同期增加0.2亿元。 服务实体经济质效不断提升 晋商银行始终将自身发展放在全省发展大局中来谋划，加大对产业转型、能源革命、基础设施建设等重 点领域支持力度。积极支持特色产业，专门开发面向小微客户的普惠金融在线"码上贷"产品，通过集群 开发模式"一类一策"支持区域特色产业发展，以"一镇一策"思路为省市级专业镇提供综合化金融服务， 深入全省各地市精准服务特色产业核心集群，使金融资源精准触达。有力保障民生需求，发放"晋才 卡"、社保卡，开展惠民惠农财政补贴"一卡通"业务，加强财富管理，满足客户资产配置需求，以实际 行动服务好老百姓财富保值增值的金融需求。积极承担社会责任，发挥房地产融资协调机制作用，全力 支持保交房项目。截至2025年6月末，晋商银行公司贷款总额为1366.1亿元，较上年末公司贷款增加 7.3%。 晋商银行不断深化支持小微企业融资协调 ...

Group 1 - The core point of the article is that Jinshang Bank plans to transfer a series of non-performing assets for a total consideration of RMB 310 million to accelerate risk resolution [1] - The asset transfer agreement involves the transfer of non-performing assets related to eight corporate clients, with a total principal, penalties, and interest amounting to approximately RMB 1.421 billion as of the benchmark date [1] - The first payment of RMB 93.1 million, which accounts for 30% of the total consideration, will grant Jin Yang Asset Management all rights to the related assets [1] Group 2 - The proceeds from the asset transfer will be used to offset the group's losses on such non-performing assets, thereby reducing the amount of non-performing loans and promoting the group's high-quality sustainable development [1]

晋商银行(02558)发布截至2025年6月30日止6个月的中期业绩，该集团取得营业收入人民币27.36亿元(单 位下同)，同比减少1.83%;归属于权益持有人净利润10.52亿元，同比增加2.14%;每股基本盈利0.18元。 公告称，公司银行业务的营业收入减少主要是由于持续宽松的货币政策环境下贷款收益率下行，叠加激 烈的市场竞争推高负债成本，使得净息差显着收窄，对利息收入构成较大压力;同时，宏观经济增速放 缓抑制了企业信贷需求与贸易活动，导致贷款及贸易融资相关收入承压。 ...

智通财经APP讯，晋商银行(02558)发布截至2025年6月30日止6个月的中期业绩，该集团取得营业收入人 民币27.36亿元(单位下同)，同比减少1.83%;归属于权益持有人净利润10.52亿元，同比增加2.14%;每股基 本盈利0.18元。 公告称，公司银行业务的营业收入减少主要是由于持续宽松的货币政策环境下贷款收益率下行，叠加激 烈的市场竞争推高负债成本，使得净息差显着收窄，对利息收入构成较大压力;同时，宏观经济增速放 缓抑制了企业信贷需求与贸易活动，导致贷款及贸易融资相关收入承压。 ...

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，概不對因本公告全部或任何部分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。 JINSHANG BANK CO., LTD.* * 2558 關連交易 資產轉讓協議 資產轉讓協議 本行於2025年8月27日與晉陽資管簽訂了資產轉讓協議，據此，本行同意轉讓資產轉 讓協議中所列的相關資產，且晉陽資管同意以對價人民幣310.33百萬元接受相關資 產。 《上市規則》的含義 晉陽資管是山西國運的非全資附屬公司，山西國運為本行的主要股東，於本公告日期 間接持有本行已發行股本總額約20.76%的權益。因此，根據《上市規則》第十四A章， 晉陽資管為本行的關連人士。因此，根據《上市規則》第十四A章，資產轉讓協議項下 擬進行的交易構成本行的關連交易。 由於資產轉讓協議項下擬進行的交易的一個或多個適用百分比率（定義見《上市規 則》），超過0.1%但低於5%，資產轉讓協議項下擬進行的交易(i)不構成《上市規則》第十 四章項下的一項須予披露交易；及(ii)須遵守《上市規則》第十四A章的申報及公告規 定，但 ...

格隆汇8月27日丨晋商银行(02558.HK)发布公告，截至2025年6月30日止六个月，实现利息净收入人民币 20.32亿元，同比减少8.4%；营业收入为人民币27.36亿元，同比减少1.8%；归属于本行股东净利润为人 民币10.52亿元，同比增加2.1%；基本每股盈利人民币0.18元。 ...

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，概不對因本公告全部或任何部分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。 JINSHANG BANK CO., LTD.* 晉 商 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：2558） 截至2025年6月30日止六個月之 中期業績公告 晉商銀行股份有限公司*（「本行」）董事（「董事」）會（「董事會」）欣然宣佈本行及其附屬公司 截至2025年6月30日止六個月之未經審計合併中期業績。本公告列載本行2025年中期報 告全文，並符合《香港聯合交易所有限公司證券上市規則》中有關中期業績初步公告附載 資料的要求。本行2025年中期報告將於2025年9月登載於本行網站(www.jshbank.com)及 香港聯合交易所有限公司網站(www.hkexnews.hk) ，印刷版本將寄發予已表示希望收取本 行公司通訊之印刷版本的本行H股股東。 - 1 - 發佈中期業績公告 本中期業績公告的中英文版本可在本 ...

Group 1: Fund Sales Performance - In the first half of 2025, Tian Tian Fund achieved a record fund sales amount of 1.05 trillion yuan, marking a historical high for the same period [3] - Non-monetary fund sales reached 626.04 billion yuan, representing a year-on-year growth of 25.29% [3] Group 2: Industry Trends and Innovations - China Europe Fund emphasizes a transformation towards "professionalization, industrialization, and digitalization," which is seen as a core philosophy for future development [4] - The concept of "China Europe Manufacturing" is described as a practical and replicable methodology for enhancing investment capabilities [4][5] Group 3: ETF Market Developments - The first science and technology bond ETF, managed by Jiashi Fund, surpassed 20 billion yuan in scale, becoming the first of its kind to reach this milestone [6] - As of August 13, the overall scale of science and technology bond ETFs exceeded 1.1 trillion yuan, with eight products entering the "billion club" [7] Group 4: Fund Management Strategies - China Europe Fund's manager emphasizes the importance of long-term orientation, consistent processes, and team collaboration for sustainable performance [5] - The focus is on building an organization capable of continuously generating investment insights rather than short-term performance [5] Group 5: Regulatory and Market Changes - Several QDII funds have recently resumed normal subscription operations or increased subscription limits, although some have also implemented stricter purchase limits [8] - The market has seen a rise in floating-rate funds, with notable products exceeding 20 billion yuan in fundraising [9][13] Group 6: Performance Metrics - As of August 11, 2025, 131 products from Guangfa Fund had a one-year growth rate exceeding 30%, with 52 products growing over 50% and 20 products over 70% [14] - The overall performance of bank-managed public equity products has improved, with 90% of products showing positive annualized returns [15]

格隆汇8月15日丨晋商银行(02558.HK)公告，董事会会议将于2025年8月27日(星期三)举行，藉以(其中包 括)考虑及批准截至2025年6月30日止6个月中期业绩及其发布。 ...