EF001 免責聲明 | 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的任何損失承擔任何責任。 | 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 | | --- | --- | | | 股票發行人現金股息公告 | | 發行人名稱 | 宜賓市商業銀行股份有限公司 | | 股份代號 | 02596 | | 多櫃檯股份代號及貨幣 | 不適用 | | 相關股份代號及名稱 | 不適用 | | 公告標題 | 建議截至2025年12月31日止年度之末期股息 | | 公告日期 | 2026年3月30日 | | 公告狀態 | 新公告 | | 股息信息 | | | 股息類型 | 末期 | | 股息性質 | 普通股息 | | 財政年末 | 2025年12月31日 | | 宣派股息的報告期末 | 2025年12月31日 | | 宣派股息 | 每 股 0.0356 RMB | | 股東批准日期 | 2026年6月25日 | | 香港過戶登記處相關信息 | | | 派息金額及公司預設派發貨幣 | HKD， 金額有待公佈 | | 匯率 | 有待公佈 ...

Financial Overview - As of December 31, 2025, the registered capital of Yibin City Commercial Bank is RMB 4.588 billion, with total assets amounting to RMB 123.5 billion, making it the largest bank in Yibin by total assets[7]. - The total amount of customer loans and advances reached RMB 71 billion, while total deposits amounted to RMB 89 billion[7]. - The total assets of Yibin Commercial Bank have reached RMB 160 billion, doubling since the beginning of the "14th Five-Year Plan" period[14]. - Total operating income for 2025 was RMB 2,273.8 million, reflecting a growth of 4.3% from RMB 2,180.4 million in 2024[27]. - Net profit for 2025 increased to RMB 559.5 million, a rise of 17.1% from RMB 477.8 million in 2024[27]. - Total liabilities increased from RMB 99,233.1 million as of December 31, 2024, to RMB 111,981.5 million as of December 31, 2025[93]. - As of December 31, 2025, the company's total equity amounted to RMB 11,542.3 million, an increase from RMB 9,972.3 million as of December 31, 2024[100]. Loan and Deposit Growth - The total amount of loans and advances issued rose by 16.9% from RMB 60,766.4 million in 2024 to RMB 71,026.1 million in 2025, representing 55.2% of total assets[82]. - Customer deposits grew by 8.3% from RMB 82,190.9 million as of December 31, 2024, to RMB 88,996.5 million as of December 31, 2025, driven by targeted marketing and digital transformation initiatives[97]. - Corporate loans increased by 20.1% from RMB 48,558.4 million in 2024 to RMB 58,328.7 million in 2025, driven by the company's alignment with national policy and increased credit support for the real economy[85]. - Retail loans decreased by 2.6% from RMB 4,882.0 million in 2024 to RMB 4,757.7 million in 2025, mainly due to reduced demand for housing mortgage loans[85]. Financial Performance Metrics - Interest income for 2025 reached RMB 4,028.1 million, an increase of 9.1% from RMB 3,691.3 million in 2024[27]. - Net interest income for 2025 was RMB 1,947.8 million, up 23.5% compared to RMB 1,577.7 million in 2024[27]. - The net interest margin improved to 1.71% in 2025 from 1.57% in 2024, indicating better efficiency in interest income generation[43]. - The cost-to-income ratio improved to 30.85% in 2025, down from 32.06% in 2024[36]. - The expected credit losses for 2025 were RMB 888.8 million, remaining stable compared to RMB 888.7 million in 2024[27]. Risk Management and Compliance - The bank has established a comprehensive risk management framework to mitigate uncertainties affecting strategic and operational goals, focusing on credit, market, operational, liquidity, reputational, legal compliance, and IT risks[156]. - The bank's credit risk management emphasizes the importance of staff training to improve compliance awareness and professional capabilities[160]. - The bank plans to enhance its reputation risk management framework, focusing on proactive monitoring and compliance with information disclosure standards[173]. - The bank aims to strengthen legal compliance risk management by establishing a comprehensive risk management system by 2025, focusing on internal control, risk prevention, and business development integration[175]. Digital Transformation and Innovation - The bank is committed to enhancing its financial technology capabilities through innovative digital services, including a "1+N" supply chain financial service model and online retail loans[8]. - The bank is committed to digital transformation, with the implementation of new core systems for credit management and customer relationship management, enhancing online and mobile service capabilities[16]. - The group has implemented a new generation credit management system and AI platform, promoting digital transformation and business intelligence[155]. - The bank aims to enhance brand value and become a leading bank in the western region through digital transformation and risk management improvements[35]. Community Engagement and Social Responsibility - The bank has been actively involved in community service and social responsibility initiatives, receiving accolades for its contributions[11]. - The bank's efforts in promoting inclusive finance have reached over 200 administrative villages, addressing the "last mile" of financial services[16]. - The bank's corporate culture emphasizes precision in service and a commitment to supporting the local economy, aiming for sustainable development[9]. Awards and Recognition - In 2025, the bank was recognized as one of the "Top 100 Global Banks" by The Banker magazine and received multiple awards for its outstanding performance in the banking sector[11]. - The bank has been recognized as the top performer in financial support for local economic development for five consecutive years[14].

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。 宜賓市商業銀行股份有限公司* 董事會 中國，四川，2026年3月18日 YIBIN CITY COMMERCIAL BANK CO., LTD* 於本公告日期，本行董事會包括執行董事薛峰先生；非執行董事章欣先生、 黃崇穎女士、田甜女士及趙根先生；以及獨立非執行董事姚黎明先生、于瀟然 女士、邢華鈺先生及趙靜梅女士。 宜賓市商業銀行股份有限公司 * （於中華人民共和國註冊成立的股份有限公司） （股份代號：2596） 董事會會議日期 宜賓市商業銀行股份有限公司*（「本行」）董事會（「董事會」）謹此宣佈，董事會會 議將於2026年3月30日（星期一）舉行，藉以（其中包括）審議及批准本行及其附 屬公司截至2025年12月31日止年度業績及其發佈，並考慮建議派發末期股息（如 有）。 * 宜賓市商業銀行股份有限公司並非香港法例第155章《銀行業條例》所界定的認可機構，不 受香港金融管理局的監督，亦未獲授權在香港經營銀 ...

Core Viewpoint - Yibin Bank has transferred shares from China Merchants Bank to Citibank, with a market value of HKD 149 million, accounting for 8.18% of the total shares [1] Group 1: Shareholder Activity - On March 11, Yibin Bank's shareholder transferred shares valued at HKD 149 million to Citibank, representing 8.18% of the bank's total shares [1] Group 2: Construction Project - Yibin Bank announced the selection of JianTou Construction and New Yi Construction as contractors for its headquarters renovation project, with a signed contract value of RMB 86.499 million [1] - The project aims to upgrade the bank's headquarters hardware to better serve its diverse customer needs [1] - New Yi Construction will be responsible for the project's implementation, management, control, and supervision, ensuring better oversight of the project's timeline, quality, cost, and safety [1]

Core Viewpoint - Yibin Bank has transferred shares from China Merchants Bank to Citibank, with a market value of HKD 149 million, accounting for 8.18% of the total shares [1] Group 1: Shareholder Activity - On March 11, Yibin Bank's shareholder transferred shares from China Merchants Bank to Citibank, with a total market value of HKD 149 million [1] - The transfer represents 8.18% of Yibin Bank's total shares [1] Group 2: Construction Project - Yibin Bank announced the selection of JianTou Construction and New Yi Construction as contractors for its business building renovation project through a public bidding process [1] - The signed construction contract is valued at RMB 86.499 million, with the project expected to be completed by February 13, 2026 [1] - The renovation aims to update the hardware of the bank's main business building to better serve its diverse customer needs [1] - New Yi Construction will be responsible for the project's implementation, management, control, and supervision, ensuring better oversight of the project's timeline, quality, cost, and safety [1]

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: 2026年2月28日 狀態: 新提交 致：香港交易及結算所有限公司 公司名稱: 宜賓市商業銀行股份有限公司 (「本行」) 呈交日期: 2026年3月3日 I. 法定/註冊股本變動 | 1. 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/註冊股份數目 | | 面值 | | | 法定/註冊股本 | | | 上月底結存 | | | 3,900,000,000 RMB | | 1 | RMB | | 3,900,000,000 | | 增加 / 減少 (-) | | | 0 | | | RMB | | 0 | | 本月底結存 | | | 3,900,000,000 RMB | | 1 | RMB | | 3,900,000,000 | | 2. ...

Core Viewpoint - Yibin Bank (02596) has announced the selection of construction contractors for its headquarters renovation project, aiming to enhance its service capabilities and meet diverse customer needs [1] Group 1: Project Details - The bank has entered into a construction contract with Jiantou Construction and Xinyi Construction for a total contract price of RMB 86.499 million [1] - The project is set to be completed by February 13, 2026, focusing on hardware upgrades for the bank's headquarters [1] Group 2: Project Management - Xinyi Construction has been appointed as a professional agency to oversee the project's implementation, management, control, and supervision [1] - This appointment is expected to improve the management of project timelines, quality, costs, and safety [1]

Group 1 - The core announcement is that Yibin Bank has selected JianTou JianGong and XinYi JianTou as contractors for its business building renovation project, with a signed contract value of RMB 86.499 million [1] - The project aims to upgrade the hardware of the bank's main business building to better serve its customer base and meet diverse needs [1] - By appointing XinYi JianTou as a professional agency for project implementation, management, control, and supervision, the bank aims to enhance control over project duration, quality, cost, and safety [1]

Group 1 - The core announcement is that Yibin Bank (02596.HK) has selected JianTou JianGong and XinYi JianTou as the construction contractors for its total business building renovation project [1] - The construction contract was signed on February 13, 2026, with a total contract price of RMB 86,498,979.63 [1]

YIBIN CITY COMMERCIAL BANK CO., LTD* 宜賓市商業銀行股份有限公司 * （於中華人民共和國註冊成立的股份有限公司） （股份代號：2596） 關連交易－建設工程施工合同 本次交易 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。 經公開招投標程序，本行（作發包人）公開招選甄選建投建工、新宜建投分別 為建設工程承包人、代建單位，於2026年2月13日，本行與建投建工、新宜建 投訂立建設工程施工合同，據此，建投建工及新宜建投同意就本行總行業務大 樓提升改造項目（「該項目」）向本行提供工程施工服務，簽約合同價為人民幣 86,498,979.63元。 上市規則涵義 於本公告日期，宜賓發展透過其全資附屬公司五糧液集團間接持有本行約 16.99%股份，為本行主要股東的控股公司及本行於上市規則第十四A章項下的 關連人士。建投建工及新宜建投均為宜賓發展的間接全資附屬公司，亦構成本 行於上市規則第十四A章項下的關連人士。建設工程施工合同項 ...