Core Insights - Huishang Bank is celebrating its 20th anniversary in 2025, having achieved significant milestones in asset and loan growth, with total assets exceeding 2 trillion and loan balances surpassing 1 trillion by the end of 2024 [1] - The bank has positioned green finance as a key strategic focus, aiming to enhance its service capabilities in this area as part of its core development strategy [2] Group 1: Financial Performance - By the end of 2024, Huishang Bank's total assets reached over 2 trillion, with loan balances crossing the 1 trillion mark, marking historic achievements in both lending and deposit scales [1] - The bank ranked 101st in the 2025 Global Banking 1000 list by The Banker [1] - The balance of green credit business reached 115.88 billion, reflecting a growth of 40.62% year-on-year, serving over 2,100 clients [1] Group 2: Strategic Development - Huishang Bank has integrated green finance into its core development strategy since 2021, establishing a dedicated team and a three-tiered organizational structure to support green projects [2] - The bank has joined several important platforms to enhance its green finance capabilities, including the Small and Medium Banks Green Finance Alliance [2] Group 3: Product Innovation - The bank has developed a comprehensive green financial product system, including specialized loans for ecological restoration and carbon emission rights [3] - In 2024, Huishang Bank issued the first sustainable development-linked loan for the steel industry in Anhui, showcasing its commitment to supporting industry transformation [3] - A significant loan of 165 million was granted to Anhui Xinfuxing Silicon Technology Co., marking the first transformation loan in the building materials sector [3] Group 4: Digital Transformation - In 2024, Huishang Bank launched a green finance management system that enables online management of green financial operations, enhancing efficiency [4] Group 5: Industry Support - The bank has provided 114.4 billion in credit to the new energy vehicle industry in Anhui, supporting 1,702 upstream and downstream enterprises [5] - Huishang Bank has actively engaged in environmental rights financing, promoting the conversion of ecological resources into development advantages [5] Group 6: Recognition and Achievements - By the end of 2024, the bank had issued approximately 785 million in carbon reduction loans, leading to over 100,000 tons of annual carbon reduction, ranking first among local financial institutions in Anhui [6] - The bank received multiple accolades for its green finance initiatives, including the "Green Finance Single Champion" award in Anhui [6] - Huishang Bank aims to continue its commitment to green development and innovation to achieve carbon neutrality goals and promote sustainable economic growth [6]

Core Viewpoint - Huishang Bank's A-share listing progress remains stagnant after six years of the "H+A" plan, with internal approvals extended but no substantial advancements made [1][4]. Group 1: A-share Listing Progress - The 23rd phase of the A-share listing guidance period from April to June 2025 saw the shareholders' meeting approve the extension of the A-share issuance plan and authorization [1]. - The internal approval and authorization for the A-share listing remain effective, indicating ongoing efforts despite lack of progress [1]. Group 2: Governance Issues - Governance problems persist, with the fourth board of directors and supervisory board having expired terms, and several members serving beyond three years [4]. - Out of 15 board members, 9 have exceeded their three-year term, while 4 out of 8 supervisory board members are also over their term limits [4]. Group 3: Shareholder Disputes - The major obstacle to Huishang Bank's A-share listing is the ongoing shareholder dispute between "Zhongjing" and "Shanshan," which has lasted nearly six years [5]. - The dispute began in 2019 when "Zhongjing" attempted to transfer shares worth 12.15 billion yuan to "Shanshan," leading to legal actions due to disagreements over share delivery and payment [5]. - The status of the dispute remains unresolved, with implications for potential changes in major shareholders that could affect the A-share issuance [5]. Group 4: Compliance Issues - Huishang Bank is currently facing a compliance issue with a single employee holding over 500,000 shares, which is against regulations [5]. - The bank is actively negotiating with shareholders to reduce the number of shares held by a single employee below the regulatory limit [5].

Group 1 - The announcement reveals that Mr. Yan Chen has resigned from his positions as Chairman, Executive Director, and various committee roles at Huishang Bank [1] - To ensure the orderly operation of the Strategic Committee and Risk Committee, Mr. Kong Qinglong, an Executive Director, will temporarily assume the role of Chairman of the Strategic Committee, while Mr. Lu Hao, a Non-Executive Director, will take on the role of Chairman of the Risk Committee [1]

Core Viewpoint - Huishang Bank (03698) announced the resignation of Mr. Yan Chen from multiple key positions, including Chairman, Executive Director, and various committee roles [1] Group 1 - Mr. Yan Chen has resigned as Chairman, Executive Director, and member of the Strategic Committee and Risk Management Committee [1] - To ensure the orderly operation of the Strategic and Risk Committees, Mr. Kong Qinglong, an Executive Director, will temporarily assume the role of Chairman of the Strategic Committee, while Mr. Lu Hao, a Non-Executive Director, will take on the role of Chairman of the Risk Committee [1]

非執行董事 馬淩霄 盧浩 王朝暉 左敦禮 Gao Yang（高央） 王文金 獨立非執行董事 Huishang Bank Corporation Limited* 徽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：3698） 董事名單及其角色與職能 徽商銀行股份有限公司董事會（「董事會」）成員載列如下。 執行董事 孔慶龍 （行長） # 代為履行主任委員的職責 中國安徽省合肥市 2025年8月8日 2 戴培昆 周亞娜 劉志強 殷劍峰 黃愛明 徐佳賓 1 附註： C 有關董事會專門委員會之主任委員 M 有關董事會專門委員會之成員 * 徽商銀行股份有限公司根據銀行業條例（香港法例第155章）並非一家認可機構，並非受限 於香港金融管理局的監督，及不獲授權在香港經營銀行╱接受存款業務。 董事會設有五個董事會專門委員會。下表載列各董事會成員所任職之該等委員會 之成員資料。 董事會專門 委員會 董事 發展戰略與 消費者權益 保護委員會 審計委員會 人事提名和 薪酬委員會 關聯交易 控制委員會 風險管理 委員會 孔慶龍 M# M M 馬淩霄 M 盧浩 M M# 王朝暉 M 左敦禮 M M M G ...

（股份代號：3698） 推舉委員代行發展戰略與消費者權益保護委員會主任委員 及風險管理委員會主任委員職責 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，概不就因本公告全部或任何部分內容而產生或因倚 賴該等內容而引致之任何損失承擔任何責任。 Huishang Bank Corporation Limited* 徽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） 中國安徽省合肥市 2025年8月8日 於本公告日期，本行董事會成員包括執行董事孔慶龍；非執行董事馬淩霄、 盧浩、王朝暉、左敦禮、Gao Yang（高央）及王文金；獨立非執行董事戴培昆、周 亞娜、劉志強、殷劍峰、黃愛明及徐佳賓。 * 徽商銀行股份有限公司根據銀行業條例（香港法例第155章）並非一家認可機構，並非受限 於香港金融管理局的監督，及不獲授權在香港經營銀行╱接受存款業務。 茲提述徽商銀行股份有限公司（「本行」）日期為2025年7月31日的公告，內容有關 （其中包括）嚴琛先生辭任本行董事長、執行董事、發展戰略與消費者權益保護委 員會（「戰略委員會」）主任委員 ...

Core Viewpoint - The decision by Shenzhen Futian Yinzuo Village Bank to offer 365-day service reflects the banking industry's efforts to enhance service quality and efficiency in response to intense market competition [1][3] Group 1: Service Model Changes - Shenzhen Futian Yinzuo Village Bank has adjusted its operating hours to provide year-round service, which is a rare model among banks in China [1] - The bank's new hours are Monday to Friday from 8:30 AM to 5:30 PM, and weekends and holidays from 9:00 AM to 4:00 PM [1] - This shift indicates a trend towards differentiated services as banks seek to improve customer experience and retention [3] Group 2: Industry Trends - Many banks still follow a weekend and holiday rotation system for branch operations, with some branches closed on weekends while others remain open [2] - The banking sector is transitioning from a transaction-based model to a service-oriented approach, focusing on comprehensive and experiential banking [4] - The industry is facing pressure to transform from reliance on interest income to offering a broader range of services [5] Group 3: Future Directions - Banks are expected to enhance their service ecosystems and focus on scenario-based financial services to increase customer loyalty [6] - The trend towards digital transformation and the use of technology in banking operations is crucial for cost control and service enhancement [6] - There is an anticipated increase in the number of small and medium-sized banks adopting unique branch models to remain competitive in the evolving market [6]

公司名稱: 徽商銀行股份有限公司 呈交日期: 2025年8月6日 FF301 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7月31日 狀態: 新提交 致：香港交易及結算所有限公司 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) | 03698 | 說明 | H股 | | | | | | | | | | 法定/註冊股份數目 | | | 面值 | | | 法定/註冊股本 | | | 上月底結存 | | | 3,478,750,000 | RMB | | 1 | RMB | | 3,478,750,000 | | 增加 / 減少 (-) | | | | | | | RMB | | | | 本月底結存 | | | 3,478,750,000 | RMB | | 1 | RMB | | 3,478,750,000 | | 2 ...

资产质量指标 资产总额：约人民币2.25万亿元，较年初增长约11.8% 营业收入：约人民币211亿元，同比增长约2.2% 净利润：约人民币93亿元，同比增长约3.8% 不良贷款率：约0.98%，维持较低水平 不良贷款拨备覆盖率：约289%，较上年末上升约3个百分点 资产质量水平持续向好，风险抵补能力进一步增强 坚守金融本源，全力服务实体经济 加大重点领域信贷投放，推进业务均衡发展 持续优化资产结构，抓好负债管理 加大不良资产处置力度，成效显著 业绩向好主要驱动因素 重要提示 数据基于未经审阅的综合管理账目初步测算，正式中期业绩公告预期2025年8月底前发布。 徽商银行正面盈利预告要点解读核心财务数据（截至2025年6月30日止六个月） ...

Core Viewpoint - Huishang Bank (03698) has released a positive profit forecast for the first half of 2025, indicating growth in both revenue and net profit compared to the same period last year [1]. Financial Performance - For the first half of 2025, Huishang Bank's operating income is approximately 21.1 billion yuan, reflecting a year-on-year increase of about 2.2% [1]. - The net profit for the same period is around 9.3 billion yuan, showing a year-on-year growth of approximately 3.8% [1]. Asset Quality - As of June 30, 2025, the total assets of the group reached approximately 22.5 trillion yuan, representing an increase of about 11.8% since the beginning of the year [2]. - The non-performing loan (NPL) ratio remains low at approximately 0.98%, while the NPL coverage ratio has risen to about 289%, an increase of approximately 3 percentage points compared to the end of the previous year [3]. Management Changes - On July 31, 2025, Huishang Bank announced the resignation of Chairman Yan Chen due to a job transfer, effective immediately [4]. - Yan Chen, who joined Huishang Bank in December 2019 and became chairman in July 2021, has held various significant positions in both the bank and other governmental organizations [4].