Core Viewpoint - Jinshan Bank has received approval from the Shanxi Regulatory Bureau for the appointment of Gao Yurong as a non-executive director, effective from August 27, 2025, until the end of the sixth board term [1] Summary by Relevant Sections - Appointment Details - Gao Yurong's director qualification has been approved by the Shanxi Regulatory Bureau [1] - His term as a non-executive director will last from August 27, 2025, until the end of the sixth board term, which commenced on December 22, 2022, and lasts for three years [1]

Group 1 - Jinshan Bank (02558) announced that it has received approval from the Shanxi Regulatory Bureau regarding the appointment of Gao Yurong as a non-executive director [1] - Gao Yurong's term as a non-executive director will commence on August 27, 2025, and will last until the end of the sixth board's term, which began on December 22, 2022, for a duration of three years [1]

Core Viewpoint - Jinshan Bank has received approval from the Shanxi Regulatory Bureau for the appointment of Gao Yurong as a non-executive director, effective from August 27, 2025, until the end of the sixth board term [1] Group 1 - Jinshan Bank announced the receipt of the approval document regarding Gao Yurong's director qualification [1] - The approval number for the document is Jin Jin Guan Fu [2025] 151 [1] - Gao Yurong's term as a non-executive director will last until the end of the sixth board term, which commenced on December 22, 2022, and lasts for three years [1]

執行董事： 郝強女士 （董事長） 張雲飛先生 （副董事長） 王琦先生 非執行董事： 高玉榮先生 馬洪潮先生 （副董事長） 劉晨行先生 李楊先生 王建軍先生 獨立非執行董事： 王立彥先生 段青山先生 賽志毅先生 胡稚弘女士 陳毅生先生 JINSHANG BANK CO., LTD.* * 2558 董事名單及其角色與職能 晉商銀行股份有限公司*的董事（「董事」）會（「董事會」）成員載列如下： 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 | | | | | | | | --- | --- | --- | --- | --- | --- | --- | | | 發展戰略 | 審計 | 風險管理 | 關聯交易 | 提名薪酬 與人力資源 | 消費者 權益保護 | | 董事 | 委員會 | 委員會 | 委員會 | 控制委員會 | 委員會 | 委員會 | | 郝強女士 | 主任 | | | | 成員 | | | 張雲飛先生 | 副主任 | | 成員 | 成員 | | | | 王琦先生 | | | | 成員 | | | | 高玉榮先生 | | | | | | | | 馬洪潮先生 | | ...

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。 2558 董事任職資格獲監管機構核准的公告 JINSHANG BANK CO., LTD.* * 茲提述由晉商銀行股份有限公司*（「本行」）於2025年5月27日及2025年6月27日所作公告及 由本行於2025年5月28日所作通函，內容有關（其中包括）委任高玉榮先生（「高先生」）為本 行董事（「董事」）會（「董事會」）非執行董事。高先生的董事任職資格須經國家金融監督管 理總局山西監管局（「山西監管局」）核准。 本行已於近日收到《山西監管局關於高玉榮晉商銀行股份有限公司董事任職資格的批 覆》（晉金管覆[2025]151號），據此，高先生的董事任職資格已獲山西監管局核准。高先生 擔任非執行董事的任期自2025年8月27日起生效，直至第六屆董事會任期（自2022年12月 22日起三年）屆滿之日止。有關高先生的履歷詳情，請參閱本行日期為2025年5月27日的 公告及本行日期為2025年5月28日的通函。 - ...

Core Insights - Jinshang Bank reported a slight decline in operating revenue for the first half of 2025, with a total of 2.736 billion yuan, representing a year-on-year decrease of 1.8% [1] - The bank's pre-tax profit increased by 2.6% year-on-year to 1.074 billion yuan, while net profit rose by 2.0% to 1.051 billion yuan [1] Financial Performance - As of June 30, 2025, Jinshang Bank's total assets reached 388.26 billion yuan, with deposits amounting to 304.08 billion yuan and loans totaling 208.64 billion yuan [1] - The capital adequacy ratio stood at 12.96%, and the core tier 1 capital adequacy ratio was 10.27% [1] - The bank's provision coverage ratio was reported at 215.00%, indicating a strong buffer against potential loan losses [1]

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]

Core Viewpoint - Jinshang Bank has achieved steady growth in its performance for the first half of 2025, focusing on high-quality development and effectively serving the real economy while managing risks and promoting reforms [2]. Group 1: Financial 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 bank's deposit balance was 304.08 billion yuan, up by 3.21 billion yuan, or 1.1% [3]. - The loan balance stood at 208.64 billion yuan, reflecting an increase of 7.23 billion yuan, or 3.6% [3]. - The net profit for the period 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 sectors such as industrial transformation, energy revolution, and infrastructure construction, focusing on tailored financial services for small and micro enterprises [4]. - The bank has developed a "Code Loan" product aimed at small micro clients and has implemented a "one town, one policy" approach to provide comprehensive financial services [4]. - As of June 30, 2025, the total amount of corporate loans was 136.61 billion yuan, an increase of 7.3% from the end of the previous year [4]. Group 3: Risk Management - Jinshang Bank emphasizes risk management, maintaining a non-performing loan ratio of 1.77% as of June 30, 2025, ensuring asset quality remains stable [7]. - The bank's provision coverage ratio was 215.00%, an increase of 9.54 percentage points from the end of the previous year [8]. - Capital adequacy ratios were reported as follows: total capital adequacy ratio at 12.96%, up by 0.12 percentage points; Tier 1 capital adequacy ratio at 11.06%, up by 0.09 percentage points; and core Tier 1 capital adequacy ratio at 10.27%, also up by 0.09 percentage points [8]. Group 4: Digital Transformation - Jinshang Bank has made significant progress in digital transformation, enhancing its capabilities in business operations, data management, and technology [9]. - The bank's small micro credit customers increased by 140.4% since the beginning of the year, and mobile banking registered users grew by 5.0% [9]. - The bank has implemented numerous robotic process automation (RPA) applications, saving 23,000 man-hours per year [10]. Group 5: Internal Development and Future Outlook - Jinshang Bank is enhancing its corporate governance and has initiated a human resources management plan for 2026-2030 to improve management efficiency [11]. - The bank aims to focus on optimizing asset allocation, deepening technological empowerment, and enhancing operational efficiency in the second half of 2025 [12].

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。 ...