Core Viewpoint - The issuance of technology innovation bonds (科创债) by banks has significantly increased, with a total issuance scale reaching 301.4 billion yuan as of December 18, indicating a strong market response to the regulatory support initiated in May 2023 [3][14]. Issuance Scale - A total of 67 banks have issued 75 technology innovation bonds, with the largest share coming from state-owned banks, which account for 38.16% of the total issuance [3][15]. - The six major state-owned banks have collectively issued bonds worth 115 billion yuan, while city commercial banks and rural commercial banks have also become significant players, with issuance scales of 74.9 billion yuan and 15 billion yuan respectively [4][17]. Interest Rates - The interest rates for technology innovation bonds vary, with state-owned banks offering rates between 1.65% and 1.81%, while city and rural commercial banks have higher rates ranging from 1.67% to 2.07% [7][21]. - Notably, some city and rural commercial banks have rates exceeding 1.8%, indicating a competitive pricing environment [3][18]. Maturity Periods - The majority of the issued bonds have a maturity period concentrated around 5 years, which accounts for over 70% of the total, followed by 3-year bonds at over 20% [11][22]. - This maturity structure is designed to meet the medium to long-term funding needs of technology enterprises for research and development, as well as for project implementation [22]. Funding Allocation - The funds raised through these bonds are primarily directed towards technology innovation sectors, including the issuance of loans for technology projects and investments in innovative enterprises [6][17].

Core Viewpoint - The issuance of technology innovation bonds by banks has significantly increased since the announcement by the central bank and the China Securities Regulatory Commission on May 7, with a total issuance scale reaching 301.4 billion yuan by December 18, 2023 [1][2]. Issuance Scale - A total of 67 banks have issued 75 technology innovation bonds, with state-owned banks being the primary issuers, accounting for 38.16% of the total issuance [1][3]. - The six major state-owned banks have collectively issued bonds worth 115 billion yuan, while city commercial banks and rural commercial banks have issued 74.9 billion yuan and 15 billion yuan, respectively [1][5]. - The issuance period is mainly concentrated in 5-year bonds, followed by 3-year bonds, with a small number of 6-month and 7-year bonds [1][9]. Interest Rates - The interest rates for the issued bonds range from 1.67% to 2.07%, with state-owned banks having slightly lower rates between 1.65% and 1.81% [1][7]. - City commercial banks and rural commercial banks have higher rates, with many exceeding 1.8% [1][9]. - The policy banks have rates of 1.4% for the National Development Bank and 1.65% for the Agricultural Development Bank [1][7]. Fund Allocation - The funds raised from technology innovation bonds are directed towards technology innovation sectors, including issuing loans for technology and investing in technology innovation enterprises [6].

股東名稱及地址 （附註1） ： 持股數目：本行股本中每股面值人民幣1.00元的內資股╱H股 （附註2） 股； 已質押內資股╱H股股份 股，佔本人所持內資股╱H股股份數量的 %。 本人╱吾等擬親自出席或委託代表出席本行將於2026年2月2日（星期一）上午9時30分於中華 人民共和國（「中國」）安徽省合肥市雲谷路1699號徽銀大廈B區304會議室舉行的2026年第一次 臨時股東大會或其任何續會。 日期： 股東簽署： 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） 2026年第一次臨時股東大會股東回條 致：徽商銀行股份有限公司*（「本行」） * 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。 1. 請用正楷填上登記在本行股東名冊上的中文或英文全名及地址。 2. 請填上以 閣下名稱登記的本行股份數目，並刪去不適用者。 3. 此填妥及經簽署的回條須於2026年1月13日（星期二）或之前以專人送達、郵遞或傳 ...

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） 2026年第一次臨時股東大會代表委任表格 | （附註1） 與本代表委任表格有關的股份數目 | | --- | | 本人持有的全部內資股╱H股股份中質押股份數目 | | 本人持有的全部內資股╱H股股份中質押股份所佔比例 | 本人╱吾等 （附註2 （姓名） ） 地址為 為徽商銀行股份有限公司Huishang Bank Corporation Limited*（「本行」）股本中每股面值人民幣1.00元的內資股╱H股 （附註3） 股 的登記持有人，現委任大會主席，或 （附註4 （姓名） ） 地址為 ， 為本人╱吾等的代表出席本行將於2026年2月2日（星期一）上午9時30分於中華人民共和國（「中國」）安徽省合肥市雲谷路1699號徽銀大廈B 區304會議室舉行的本行2026年第一次臨時股東大會（「臨時股東大會」）或其任何續會，並於該會或其任何續會上代表本人╱吾等，依照下 列指示就臨時股東大會通告所列決議案投票，如無作出指示，則由本人╱吾等的代表酌情決定投票。 ...

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） 此乃要件 請即處理 閣下如對本通函任何方面或應採取的行動有任何疑問，應諮詢 閣下的股票經紀或其他註冊證券商、銀行 經理、律師、專業會計師或其他專業顧問。 閣下如已將名下所有徽商銀行股份有限公司*股份售出或轉讓，應立即將本通函、代理人委任表格及回條 送交買主或受讓人或經手買賣或轉讓的銀行、股票經紀或其他代理商，以便轉交買主或受讓人。 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通函的內容概不負責，對其準確性或完整性亦 不發表任何聲明，並明確表示，概不對因本通函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。 Huishang Bank Corporation Limited* （股份代號：3698） (1)建議不再設立監事會 (2)建議修訂章程 (3)建議修訂股東大會議事規則 (4)建議修訂董事會議事規則 及 2026年第一次臨時股東大會通告 本行擬於2026年2月2日（星期一）上午9時30分於中國安徽省合肥市雲谷路1699號徽銀大廈B區304會議室 舉行臨時股東大會。臨時股東大會通告載於本通函第168頁至第1 ...

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通告之內容概不負責，對其準確性或完整性亦 不發表任何聲明，並明確表示，概不就因本通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* 董事會 中國安徽省合肥市 2025年12月19日 – 1 – 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） 2026年第一次臨時股東大會通告 茲通告徽商銀行股份有限公司Huishang Bank Corporation Limited*（「本行」）謹訂 於2026年2月2日（星期一）上午9時30分於中國安徽省合肥市雲谷路1699號徽銀大廈B 區304會議室舉行2026年第一次臨時股東大會（「臨時股東大會」），詳情如下： 特別決議案 普通決議案 4. 委任代表 1. 審議批准不再設立監事會相關事項； 2. 審議批准《徽商銀行股份有限公司章程》（修訂稿）； 3. 審議批准《徽商銀行股份有限公司股東大會議事規則》（修訂稿）；及 4. 審議批准《徽商銀行股份有限公司董事會 ...

Core Viewpoint - Huishang Bank has been awarded the title of "2025 Annual Social Responsibility Pioneer Bank" for its significant contributions and solid practices in the field of social responsibility, reflecting its commitment to serving the community and supporting local economic development [1][9] Group 1: Party Leadership and Service to the Real Economy - Huishang Bank integrates party leadership with its business development, enhancing corporate governance and compliance systems, and has been recognized as "Excellent" in supporting local economic development in Anhui Province [2] - The bank focuses on supporting small and micro enterprises and rural revitalization, with a county loan scale nearing 300 billion yuan, demonstrating its commitment to "finance for the people" [2] Group 2: Green Finance Initiatives - The bank has incorporated green finance into its core development strategy, with a green credit balance of nearly 160 billion yuan, showing a growth rate of over 40% in the past two years [4] - Huishang Bank actively supports the development of the new energy vehicle industry and explores ecological resource transformation models, contributing to sustainable development [4] Group 3: Technological Empowerment - The bank emphasizes digital transformation, launching a new version of its mobile banking app and enhancing online services, with over 12 million mobile banking users [5] - Huishang Bank has developed innovative credit products for technology companies, addressing their financing challenges through automated online processes [5] Group 4: Risk Control and Compliance - The bank prioritizes risk management, implementing a comprehensive risk management system and maintaining a low non-performing loan rate, recognized as excellent in the industry [7] - Huishang Bank has been awarded the highest rating for compliance with regulations, reflecting its commitment to safe and sound operations [7] Group 5: Corporate Culture and Social Responsibility - The bank fosters a corporate culture that combines financial principles with local values, emphasizing compliance and social responsibility [8] - Huishang Bank engages in various community service initiatives and financial education programs, reinforcing its role as a socially responsible institution [8]

Core Viewpoint - Huishang Bank has been awarded the title of "2025 Annual Social Responsibility Pioneer Bank" for its solid practices and outstanding contributions in the field of social responsibility, reflecting its commitment to serving the community and supporting local economic development [1][9]. Group 1: Party Leadership and Service to the Real Economy - Huishang Bank integrates party leadership with business development, enhancing governance and compliance systems, and has been recognized as "Excellent" in supporting local economic development in Anhui Province [2]. - The bank focuses on supporting small and micro enterprises and rural revitalization, with a county loan scale nearing 300 billion yuan, and has implemented tailored financial solutions for local industries [3]. Group 2: Environmental Protection and Green Finance - The bank has incorporated green finance into its core strategy, with a green credit balance of nearly 160 billion yuan, growing at over 40% annually, and has launched various innovative green financial products [4]. - Huishang Bank actively supports the development of the new energy vehicle industry and explores ecological value transformation through financing models [4]. Group 3: Technological Empowerment and Customer Service - The bank emphasizes digital transformation, enhancing online services and launching new digital products, with over 12 million mobile banking users [5]. - Huishang Bank has developed innovative financing solutions for technology companies and participates in long-term strategic partnerships to support their growth [5]. Group 4: Risk Control and Compliance Management - The bank prioritizes risk management, implementing a comprehensive risk management system and maintaining a low non-performing loan rate, while also enhancing compliance measures [7]. - Huishang Bank has been recognized for its compliance with regulations and has established a culture of safety and risk awareness [7]. Group 5: Corporate Culture and Social Responsibility - The bank fosters a corporate culture that combines financial principles with local values, emphasizing compliance, responsibility, and community engagement [8]. - Huishang Bank actively participates in social responsibility initiatives, including volunteer services and financial education programs, demonstrating its commitment to societal well-being [8].

Group 1 - The core announcement from Huishang Bank is about the technical transformation of its accounting system, specifically the AMFE and FBS systems, in response to regulatory requirements [1] - The AMFE system connects the central bank's accounting system with commercial banking business systems, providing manual entry and business message sending functions [1] - The FBS system interfaces internal data with the AMFE, offering automated data collection, processing, message assembly, and transmission capabilities [1] Group 2 - The exchange content includes company introduction, R&D team details, technical solutions and architecture, implementation cases in the banking industry over the past three years, and a Q&A session [2] - Vendor qualifications require registration as a legal entity in China, good operational status, and no serious violations or credit issues [3] - Vendors must have mature technical transformation solutions for AMFE and FBS, with similar project cases implemented in domestic commercial banks after January 1, 2023 [3] Group 3 - Companies interested in participating must submit their registration information and relevant materials by January 16, 2026, to Huishang Bank's contact email [4] - The specific date, location, and method for the exchange will be notified later [5]

Core Viewpoint - The successful issuance of two bonds by Huishang Bank demonstrates the bank's strong market position and effective capital management, contributing to its growth and recognition in the financial sector [2][3][4]. Group 1: Bond Issuance Details - The first bond, "25 Huishang Bank Tier 2 Capital Bond 01," was issued with a scale of 10 billion yuan and a coupon rate of 2.38%, achieving a subscription multiple of 2.6 times [2]. - The second bond, "25 Huishang Bank Micro and Small Enterprise Loan Special Financial Bond," also had a scale of 10 billion yuan, with a coupon rate of 1.87% and a subscription multiple of 2.7 times [2]. - Both bonds received enthusiastic subscriptions from investors, indicating strong market demand [2][3]. Group 2: Strategic Importance - The successful issuance of these bonds effectively supplements the issuer's capital and broadens Huishang Bank's long-term capital replenishment channels [3][4]. - The bond issuance supports Huishang Bank's initiatives in local economic service and small and medium-sized enterprise support, aligning with its market positioning [2][4]. - The completion of the 40 billion yuan issuance plan for the year marks a significant achievement for Huishang Bank and strengthens its partnership with Shenwan Hongyuan Securities [4].