Summary of Key Points Core Viewpoint - As of October 14, a total of 75 stocks reached their 52-week highs, with notable performances from Lihua Securities Holdings (08350), Deutsche Bank Tianxia (02418), and Chuangsheng Holdings (02680) [1]. 52-Week Highs - Lihua Securities Holdings (08350) achieved a closing price of 0.325, with a peak of 0.390, marking a high rate of 34.48% - Deutsche Bank Tianxia (02418) closed at 8.120, reaching a maximum of 8.990, with a high rate of 24.86% - Chuangsheng Holdings (02680) closed at 12.100, peaking at 12.350, with a high rate of 23.50% - Other notable stocks include Century United Holdings (01959) with a high rate of 20.97% and Silicon Xin Group (08349) with 14.38% [1]. 52-Week Lows - Hengda Group Holdings (03616) recorded a closing price of 0.345, with a low of 0.300, reflecting a decline rate of -11.76% - China Technology Industry Group (08111) reached a low of 0.085, with a decline rate of -8.89% - Other significant declines include Golden Leaf International Group (08549) at -8.06% and Changfeng Pharmaceutical (02652) at -4.90% [3].

Core Viewpoint - The article highlights the integration of party leadership in driving high-quality business development at Jiujiang Bank's Hefei branch, emphasizing the successful implementation of various financial services and products in key sectors such as green finance, technology finance, and inclusive finance [1][2]. Group 1: Party Leadership and Business Development - Jiujiang Bank's Hefei branch focuses on transforming political and organizational advantages into strong momentum for business growth through a "Five Hearts" party-building brand [1]. - The branch's leadership actively engages in customer visits and on-site research, promoting the role of party members as models of service and commitment [1]. Group 2: Innovative Financial Services - The Hefei branch has launched the "Red Chain Empowerment" initiative, utilizing a "Secretary Leading Project" to connect with industry associations and provide comprehensive support to enterprises [2]. - Innovative credit models and specialized loan products, such as "Characteristic Industry Loans," are designed to enhance asset liquidity for businesses, particularly in strategic emerging industries like new energy vehicles and photovoltaics [2]. Group 3: Community and Agricultural Support - The Hefei branch integrates party leadership with community services, establishing a "Second Party Building Position" to enhance local support [2]. - Collaborative financing solutions, such as the "Active Cattle Loan" model, have been introduced to address challenges faced by livestock farmers, with a loan issuance of 1.5 million yuan [2].

Core Insights - The article highlights the proactive measures taken by Jiujiang Bank to support the grain industry in Yichun City through innovative financial services tailored to local needs [1][2] - The introduction of the "Smart Warehouse Loan" aims to alleviate the financing challenges faced by grain enterprises, particularly during the seasonal harvest period [1][2] Group 1: Financial Services and Innovations - Jiujiang Bank is implementing a "one county, one policy" approach to provide innovative services in regions such as Yuanzhou District, Shanggao County, and Fengcheng City [1] - The "Smart Warehouse Loan" is designed for grain enterprises involved in storage, processing, and trade, addressing the "difficult and expensive financing" issues that hinder their growth [1][2] - The bank employs a service model combining "technology supervision and on-site management" to offer comprehensive supply chain financial services, enhancing asset liquidity and reducing operational financial pressure for enterprises [1] Group 2: Case Study and Impact - A rice processing enterprise in Shanggao County, with over 20 years of operation and a storage capacity of 49,000 tons, received a 20 million yuan loan from Jiujiang Bank specifically for rice storage [2] - The loan was secured against the enterprise's rice inventory in 12 warehouses, with third-party oversight to improve financing efficiency and risk management [2] - Jiujiang Bank has provided a total credit of 194 million yuan to over ten grain enterprises and an additional 30 million yuan to more than 40 grain drying plants and large-scale farmers [2]

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9月30日 狀態: 新提交 致：香港交易及結算所有限公司 公司名稱: 九江銀行股份有限公司 呈交日期: 2025年10月8日 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) | 06190 | 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 | | | 482,367,200 | RMB | | 1 | RMB | | 482,367,200 | | 增加 / 減少 (-) | | | 0 | | | | RMB | | 0 | | 本月底結存 | | | 482,367,200 | RMB | | 1 | RMB | | 482,367,200 | | 2. 股份分類 | ...

Core Viewpoint - The Hong Kong banking sector experienced a widespread decline, with several banks reporting significant drops in their stock prices [1] Group 1: Stock Performance - Jiangxi Bank, Qingdao Bank, and Chongqing Rural Commercial Bank saw declines of over 2% [1] - Jiujiang Bank, Chongqing Bank, Zhengzhou Bank, China Everbright Bank, and Harbin Bank experienced declines of over 1% [1]

Core Viewpoint - The Hong Kong banking sector, particularly the mainland banks, experienced a decline, with several banks reporting significant drops in their stock prices [1] Group 1: Stock Performance - Jiangxi Bank, Qingdao Bank, and Chongqing Rural Commercial Bank saw declines of over 2% [1] - Jiujiang Bank, Chongqing Bank, Zhengzhou Bank, China Everbright Bank, and Harbin Bank experienced declines of over 1% [1]

Core Viewpoint - The construction of a modern cold chain logistics system in Jiangxi Province is crucial for industrial upgrading and public welfare, with Jiujiang Bank providing innovative financial services to support this development [1][3]. Group 1: Infrastructure Development - The cold chain logistics system in Jiangxi is accelerating, focusing on addressing infrastructure shortcomings and key nodes [1]. - Jiujiang Bank is aligning its financial services with the construction of the Nanchang National Backbone Cold Chain Logistics Base, which was selected for national-level construction in 2023 [1]. Group 2: Innovative Financing Solutions - Jiujiang Bank has introduced the "Smart Logistics Loan" to address the common financing challenges faced by frozen goods enterprises, particularly those with high inventory costs and limited collateral [2]. - A specific case involved a frozen duck trading company that received a 19 million yuan loan to support its seasonal procurement needs, with inventory serving as collateral and third-party oversight to mitigate risks [2]. Group 3: Ongoing Commitment - Jiujiang Bank aims to continue leveraging its local banking advantages to provide precise and efficient financial services, contributing to the high-quality development of Jiangxi's cold chain logistics industry [3].

[Company Profile](index=3&type=section&id=Company%20Profile) [Basic Information](index=3&type=section&id=1.%20Basic%20Information) Jiujiang Bank Co., Ltd. is a regional commercial bank registered in November 2000, listed on the Hong Kong Stock Exchange in July 2018, with a registered capital of **RMB 2,847,367,200** Jiujiang Bank Basic Information | Metric | Content | | :--- | :--- | | Legal Chinese Name | Jiujiang Bank Co., Ltd. | | H-share Listing Exchange | The Stock Exchange of Hong Kong Limited | | Stock Code | 6190 | | Registered Capital | RMB 2,847,367,200 | | Registered and Office Address | No. 619 Changhong Avenue, Lianxi District, Jiujiang City, Jiangxi Province, China | | Overseas Auditor | KPMG | [Company Overview](index=4&type=section&id=2.%20Company%20Overview) Established in 2000 and listed in Hong Kong in 2018, Jiujiang Bank optimized its shareholder structure by introducing strategic investors, operating with **5,746 employees** across its head office, **13 branches**, **265 sub-branches**, and **20 village banks**, achieving full coverage of all prefecture-level cities in Jiangxi Province - Jiujiang Bank was registered in November 2000 and listed on the Main Board of the Hong Kong Stock Exchange on July 10, 2018 (stock code: 6190)[7](index=7&type=chunk) - As of the end of the reporting period, Jiujiang Bank (including controlled village banks) had **5,746 full-time employees**, with **86.93% holding bachelor's or associate degrees** and **13.00% holding postgraduate or higher degrees**[7](index=7&type=chunk) - The bank operates through its head office, **13 branches**, **265 sub-branches**, and has initiated the establishment of **20 village banks**, achieving full coverage of all prefecture-level cities in Jiangxi Province[7](index=7&type=chunk) [2025 H1 Key Awards and Recognition](index=4&type=section&id=3.%202025%E5%B9%B4%E4%B8%8A%E5%8D%8A%E5%B9%B4%E4%B8%BB%E8%A6%81%E7%8D%B2%E7%8D%獎%E6%83%85%E6%B3%81) Jiujiang Bank received multiple honors in the first half of 2025, including "2024 Top 100 Proprietary Settlement", "Excellent Underwriter", "Excellent Market Maker", "Annual Market Influence Institution", and "Market Innovation Business Institution", achieving outstanding results in green finance, fintech innovation, and supply chain service ecosystems - Awarded the title of "2024 Top 100 Proprietary Settlement" by China Central Depository & Clearing Co., Ltd., for the **7th consecutive year**[8](index=8&type=chunk) - Received "Excellent Underwriter" and "Excellent Market Maker" institutional awards from the Export-Import Bank of China for the 2024 RMB Financial Bond Underwriting and Market Making Group, for the **6th consecutive year**[8](index=8&type=chunk) - Rated as "2023 Excellent Enterprise in Jiangxi Province" and honored with "Annual Market Influence Institution" and "Market Innovation Business Institution" by the National Interbank Funding Center[8](index=8&type=chunk) - The "Intelligent Risk Control Decision Application in Dynamic Financial Scenarios" project was selected as one of the **20 excellent cases** in the 5th "NIFD-DCITS Fintech Innovation Cases" nationwide[10](index=10&type=chunk) - "Jiujiang Bank Digital Confirmation Service Standard" and "Jiujiang Bank Rare Character Processing Standard" were awarded the "2024 Enterprise Standard Leader" title, making it the **only local bank in Jiangxi** to be listed on the financial standard leader board[11](index=11&type=chunk) [Summary of Accounting Data and Financial Indicators](index=6&type=section&id=%E6%9C%83%E8%A8%88%E6%95%B8%E6%93%9A%E5%8F%8A%E8%B2%A1%E5%8B%99%E6%8C%87%E6%A8%99%E6%91%98%E8%A6%81) [Summary of Accounting Data and Financial Indicators](index=6&type=section&id=%E6%9C%83%E8%A8%88%E6%95%B8%E6%93%9A%E5%8F%8A%E8%B2%A1%E5%8B%99%E6%8C%87%E6%A8%99%E6%91%98%E8%A6%81) This chapter summarizes Jiujiang Bank's consolidated financial performance and key financial indicators for the first half of 2025, showing a year-on-year decrease in net profit, earnings per share, and several profitability ratios, while the non-performing loan ratio improved, and liquidity ratios and coverage remained stable 2025 H1 Key Operating Performance and Profitability Indicators | Metric | 2025 H1 (RMB million) | 2024 H1 (RMB million) | Year-on-year Change (%) | | :--- | :--- | :--- | :--- | | Net Interest Income | 4,098.2 | 4,510.4 | -9.14 | | Net Fee and Commission Income | 295.1 | 454.0 | -34.99 | | Operating Revenue | 5,342.5 | 5,500.5 | -2.87 | | Profit Before Tax | 316.9 | 521.3 | -39.21 | | Net Profit for the Period | 378.5 | 592.2 | -36.09 | | Net Profit Attributable to Bank Shareholders for the Period | 364.0 | 553.9 | -34.29 | | Basic Earnings Per Share (RMB) | 0.01 | 0.08 | -87.50 | | Return on Average Total Assets (%) | 0.15 | 0.24 | -37.50 | | Return on Average Equity (%) | 0.16 | 1.30 | -87.69 | | Net Interest Margin (%) | 1.64 | 1.82 | -9.89 | | Net Interest Yield (%) | 1.67 | 1.87 | -10.69 | | Cost-to-Income Ratio (%) | 25.79 | 26.60 | -3.05 | 2025 June 30 Key Capital Adequacy, Asset Quality, and Scale Indicators | Metric | 2025 June 30 | 2024 December 31 | Change | | :--- | :--- | :--- | :--- | | Common Equity Tier 1 Capital Adequacy Ratio (%) | 8.62 | 9.44 | -0.82 | | Tier 1 Capital Adequacy Ratio (%) | 11.15 | 11.97 | -0.82 | | Capital Adequacy Ratio (%) | 11.18 | 13.17 | -1.99 | | Non-performing Loan Ratio (%) | 1.88 | 2.19 | -0.31 | | Provision Coverage Ratio (%) | 154.60 | 154.25 | +0.35 | | Loan Loss Provision Ratio (%) | 2.91 | 3.37 | -0.46 | | Total Assets (RMB million) | 519,654.5 | 516,458.6 | +3,195.9 | | Total Liabilities (RMB million) | 477,926.8 | 473,925.7 | +4,001.1 | | Customer Deposits (RMB million) | 385,211.3 | 386,963.5 | -1,752.2 | | Leverage Ratio (%) | 6.58 | 7.06 | -0.48 | | Liquidity Ratio (%) | 74.75 | 67.57 | +7.18 | | Liquidity Coverage Ratio (%) | 171.69 | 394.39 | -222.70 | [Management Discussion and Analysis](index=9&type=section&id=%E7%AE%A1%E7%90%86%E5%B1%A4%E8%A8%8E%E8%AB%96%E8%88%87%E5%88%86%E6%9E%90) [Macroeconomic and Policy Environment](index=9&type=section&id=1.%20Macroeconomic%20and%20Policy%20Environment) In the first half of 2025, China's economy operated steadily with a **5.3% year-on-year GDP growth**, while Jiangxi Province also maintained stable economic performance, with the National Financial Regulatory Administration focusing on reforms, risk mitigation, high-quality development, enhanced supervision, and financial opening-up - In the first half of 2025, China's GDP reached **RMB 66.05 trillion**, a **5.3% year-on-year increase**[19](index=19&type=chunk) - The National Financial Regulatory Administration focused on **six key tasks**, including accelerating reforms and risk mitigation for small and medium-sized financial institutions, effectively preventing and resolving financial risks in key areas, and enhancing the high-quality development capabilities of the banking and insurance sectors[20](index=20&type=chunk) [Overall Business Performance](index=10&type=section&id=2.%20Overall%20Business%20Performance) In the first half of 2025, Jiujiang Bank focused on "expanding customer base, enhancing customer contribution, strengthening capability building, and fostering core competitiveness", adhering to its market positioning of "serving local economy, small and medium-sized enterprises, and urban and rural residents", achieving operating revenue of **RMB 5.343 billion** and net profit of **RMB 379 million** - The Group achieved operating revenue of **RMB 5.343 billion** and net profit of **RMB 379 million** in the first half of 2025[21](index=21&type=chunk) - The development theme focused on "fully expanding the customer base, enhancing comprehensive customer contribution, continuously strengthening capability building, and fostering Jiujiang Bank's core competitiveness"[21](index=21&type=chunk) - Adhering to the market positioning of "serving the local economy, serving small and medium-sized enterprises, and serving urban and rural residents"[21](index=21&type=chunk) [Analysis of Income Statement](index=10&type=section&id=3.%20%E5%88%A9%E6%BD%A4%E8%A1%A8%E5%88%86%E6%9E%90) In the first half of 2025, Jiujiang Bank's net profit was **RMB 379 million**, a **36.09% year-on-year decrease**, with net interest income falling due to lower average annualized yields on interest-earning assets, and net fee and commission income also significantly declining, though net gains from financial investments substantially increased, while operating expenses were controlled and asset impairment losses slightly rose 2025 H1 Income Statement Key Data | Metric | 2025 H1 (RMB million) | 2024 H1 (RMB million) | Year-on-year Change (%) | | :--- | :--- | :--- | :--- | | Net Interest Income | 4,098.2 | 4,510.4 | -9.14 | | Net Fee and Commission Income | 295.1 | 454.0 | -34.99 | | Net Gains from Financial Investments | 959.9 | 538.4 | +78.30 | | Operating Revenue | 5,342.5 | 5,500.5 | -2.87 | | Operating Expenses | (1,451.6) | (1,520.4) | -4.52 | | Asset Impairment Losses | (3,571.2) | (3,462.2) | +3.15 | | Net Profit for the Period | 378.5 | 592.2 | -36.09 | | Net Profit Attributable to Bank Shareholders for the Period | 364.0 | 553.9 | -34.29 | [Net Interest Income, Net Interest Margin, and Net Interest Yield](index=11&type=section&id=3.1%20%E5%88%A9%E6%BD%A4%E6%B7%A8%E6%94%B6%E5%85%A5%E3%80%81%E6%B7%A8%E5%88%A9%E5%B7%AE%E5%8F%8A%E6%B7%A8%E5%88%A9%E6%81%AF%E6%94%B6%E7%9B%8A%E7%8E%87) In the first half of 2025, the Group's net interest income decreased by **9.1% year-on-year**, primarily due to a decline in the average annualized yield on interest-earning assets, with both net interest margin and net interest yield narrowing, reflecting downward pressure on market interest rates - Net interest income was **RMB 4.098 billion**, a year-on-year decrease of **RMB 0.412 billion**, or **9.1%**, mainly due to a decrease in the average annualized yield on interest-earning assets[24](index=24&type=chunk) Net Interest Income, Net Interest Margin, and Net Interest Yield Change | Metric | 2025 H1 | 2024 H1 | Change | | :--- | :--- | :--- | :--- | | Net Interest Income (RMB million) | 4,098.2 | 4,510.4 | -412.2 | | Net Interest Margin (%) | 1.64 | 1.82 | -0.18 | | Net Interest Yield (%) | 1.67 | 1.87 | -0.20 | Interest Income and Expense Change Reasons (2025 vs 2024) | Item | Scale Change (RMB million) | Interest Rate Change (RMB million) | Net Increase/Decrease (RMB million) | | :--- | :--- | :--- | :--- | | Change in Interest Income from Interest-earning Assets | 210.7 | (1,439.3) | (1,228.6) | | Change in Interest Expense from Interest-bearing Liabilities | 193.5 | (1,009.9) | (816.4) | | Change in Net Interest Income | 17.2 | (429.4) | (412.2) | [Interest Income](index=13&type=section&id=3.2%20%E5%88%A9%E6%81%AF%E6%94%B6%E5%85%A5) In the first half of 2025, the Group's interest income decreased by **12.6% year-on-year** to **RMB 8.518 billion**, primarily due to a decline in the average yield on interest-earning assets, partially offset by an increase in average balances, with interest income from customer loans and advances decreasing, while interest income from balances with and placements with banks and other financial institutions increased - Interest income was **RMB 8.518 billion**, a year-on-year decrease of **RMB 1.229 billion**, or **12.6%**, mainly due to a decrease in the average asset yield on interest-earning assets[30](index=30&type=chunk) - Interest income from customer loans and advances was **RMB 6.424 billion**, a year-on-year decrease of **RMB 0.761 billion**, mainly due to a decrease in the average annualized yield[31](index=31&type=chunk) Customer Loans and Advances Interest Income Composition | Item | 2025 Average Balance (RMB million) | 2025 Interest Income (RMB million) | 2025 Average Annualized Yield (%) | 2024 Average Balance (RMB million) | 2024 Interest Income (RMB million) | 2024 Average Annualized Yield (%) | | :--- | :--- | :--- | :--- | :--- | :--- | :--- | | Corporate Loans and Advances | 202,371.4 | 4,393.3 | 4.34 | 189,464.4 | 4,745.1 | 5.01 | | Retail Loans and Advances | 82,668.4 | 1,847.0 | 4.47 | 92,259.9 | 2,275.1 | 4.93 | | Bill Discounting | 29,893.7 | 183.5 | 1.23 | 20,410.9 | 164.3 | 1.61 | | Total | 314,933.5 | 6,423.8 | 4.08 | 302,135.2 | 7,184.5 | 4.76 | - Interest income from balances with and placements with banks and other financial institutions was **RMB 64 million**, a year-on-year increase of **RMB 57 million**, mainly due to an increase in average balances[38](index=38&type=chunk) [Interest Expense](index=14&type=section&id=3.3%20%E5%88%A9%E6%81%AF%E6%94%AF%E5%87%BA) In the first half of 2025, the Group's interest expense decreased by **15.6% year-on-year** to **RMB 4.420 billion**, primarily due to a decline in the average interest rate on customer deposits, partially offset by an increase in average balances, with interest expense from borrowings from the central bank also significantly decreasing - Interest expense was **RMB 4.420 billion**, a year-on-year decrease of **RMB 0.816 billion**, or **15.6%**, mainly due to a decrease in the average interest rate on customer deposits[39](index=39&type=chunk) - Interest expense on customer deposits was **RMB 3.467 billion**, a year-on-year decrease of **RMB 0.591 billion**, mainly due to a decrease in the average interest rate on customer deposits, partially offset by an increase in average balances[40](index=40&type=chunk) Customer Deposits Interest Expense Composition | Item | 2025 Average Balance (RMB million) | 2025 Interest Expense (RMB million) | 2025 Average Annualized Interest Rate (%) | 2024 Average Balance (RMB million) | 2024 Interest Expense (RMB million) | 2024 Average Annualized Interest Rate (%) | | :--- | :--- | :--- | :--- | :--- | :--- | :--- | | Corporate Deposits Subtotal | 164,576.0 | 1,099.2 | 1.34 | 190,740.4 | 1,648.2 | 1.73 | | Individual Deposits Subtotal | 210,240.7 | 2,337.0 | 2.22 | 175,678.2 | 2,378.4 | 2.71 | | Total Customer Deposits | 376,907.0 | 3,467.3 | 1.84 | 368,478.8 | 4,058.0 | 2.20 | - Interest expense on borrowings from the central bank was **RMB 186 million**, a year-on-year decrease of **RMB 117 million**, mainly due to a decrease in average balances and average annualized interest rates[46](index=46&type=chunk) [Non-interest Income](index=17&type=section&id=3.4%20%E9%9D%9E%E5%88%A9%E6%81%AF%E6%94%B6%E5%85%A5) In the first half of 2025, the Group's net fee and commission income decreased by **35.0% year-on-year**, primarily due to lower wealth management fees, credit commitment and financial guarantee fees, while net gains from financial investments significantly increased by **78.3%** to **RMB 960 million**, mainly benefiting from optimized investment structure - Net fee and commission income was **RMB 295 million**, a year-on-year decrease of **RMB 159 million**, or **35.0%**, mainly due to a decrease in wealth management fees, credit commitment and financial guarantee fees, and agency service fees[47](index=47&type=chunk)[49](index=49&type=chunk) Net Fee and Commission Income Composition | Item | 2025 (RMB million) | 2024 (RMB million) | Change Amount (RMB million) | Change Rate (%) | | :--- | :--- | :--- | :--- | :--- | | Wealth Management Fees | 25.0 | 113.1 | (88.1) | (77.9) | | Credit Commitment and Financial Guarantee Fees | 77.3 | 116.7 | (39.4) | (33.8) | | Agency Service Fees | 66.8 | 98.2 | (31.4) | (32.0) | | Net Fee and Commission Income | 295.1 | 454.0 | (158.9) | (35.0) | - Net gains from financial investments were **RMB 960 million**, a year-on-year increase of **RMB 422 million**, mainly due to the Group's proactive optimization of its investment structure[50](index=50&type=chunk) [Operating Expenses](index=18&type=section&id=3.5%20%E7%87%9F%E6%A5%AD%E8%B2%BB%E7%94%A8) In the first half of 2025, the Group's operating expenses were **RMB 1.452 billion**, a **4.5% year-on-year decrease**, primarily benefiting from lower staff costs and general and administrative expenses - Operating expenses were **RMB 1.452 billion**, a year-on-year decrease of **RMB 69 million**, or **4.5%**[51](index=51&type=chunk)[53](index=53&type=chunk) Operating Expenses Composition | Item | 2025 (RMB million) | 2024 (RMB million) | Change Amount (RMB million) | Change Rate (%) | | :--- | :--- | :--- | :--- | :--- | | Staff Costs | 777.4 | 848.9 | (71.5) | (8.4) | | General and Administrative Expenses | 310.6 | 334.8 | (24.2) | (7.2) | | Total Operating Expenses | 1,451.6 | 1,520.4 | (68.8) | (4.5) | [Asset Impairment Losses](index=19&type=section&id=3.6%20%E8%B3%87%E7%94%A2%E6%B8%9B%E5%80%BC%E6%90%8D%E5%A4%B1) In the first half of 2025, the Group's asset impairment losses were **RMB 3.571 billion**, a slight year-on-year increase, with impairment losses on customer loans and advances measured at amortized cost decreasing, but other asset impairment losses significantly increasing - Asset impairment losses were **RMB 3.571 billion**, a year-on-year increase of **RMB 109 million**[54](index=54&type=chunk)[56](index=56&type=chunk) Asset Impairment Losses Composition | Item | 2025 (RMB million) | 2024 (RMB million) | Change Amount (RMB million) | | :--- | :--- | :--- | :--- | | Customer Loans and Advances Measured at Amortized Cost | 3,490.6 | 3,569.7 | (79.1) | | Financial Investments Measured at Amortized Cost | (91.3) | 83.2 | (174.5) | | Other | 177.3 | (178.8) | 356.1 | | Total Asset Impairment Losses | 3,571.2 | 3,462.2 | 109.0 | [Income Tax](index=19&type=section&id=3.7%20%E6%89%80%E5%BE%97%E7%A8%85) In the first half of 2025, the Group's total income tax was **RMB -61.6 million**, an improvement from the prior year, primarily due to a substantial increase in current income tax and a decrease in deferred income tax liabilities Income Tax Composition | Item | 2025 (RMB million) | 2024 (RMB million) | Change Amount (RMB million) | | :--- | :--- | :--- | :--- | | Current Income Tax | 404.7 | 192.3 | 212.4 | | Deferred Income Tax | (605.1) | (409.6) | (195.5) | | Total Income Tax | (61.6) | (70.9) | 9.3 | [Analysis of Key Financial Position Items](index=20&type=section&id=4.%20%E8%B2%A1%E5%8B%99%E7%8B%80%E6%B3%81%E4%B8%BB%E8%A6%81%E9%A0%85%E7%9B%AE%E5%88%86%E6%9E%90) As of June 30, 2025, Jiujiang Bank's total assets increased by **0.6%** to **RMB 519.655 billion**, driven by increases in customer loans and advances, balances with and placements with banks and other financial institutions, and loans to banks and other financial institutions; total liabilities also grew by **0.8%**, while total equity decreased by **1.9%**, mainly due to a reduction in investment revaluation reserve and retained earnings - As of the end of the reporting period, the Group's total assets were **RMB 519.655 billion**, an increase of **RMB 3.196 billion** from the end of the previous year, or **0.6%**, mainly due to increases in customer loans and advances, balances with and placements with banks and other financial institutions, and loans to banks and other financial institutions[59](index=59&type=chunk) - As of the end of the reporting period, the Group's total liabilities were **RMB 477.927 billion**, an increase of **RMB 4.001 billion** from the end of the previous year, or **0.8%**[78](index=78&type=chunk) - As of the end of the reporting period, the Group's total equity was **RMB 41.728 billion**, a decrease of **RMB 0.805 billion** from the end of the previous year, or **1.9%**, mainly due to a decrease in investment revaluation reserve and retained earnings[88](index=88&type=chunk) [Assets](index=20&type=section&id=4.1%20%E8%B3%87%E7%94%A2) As of June 30, 2025, net customer loans and advances accounted for **61.3% of total assets**, and net financial investments for **28.7%**, with total customer loans and advances growing by **1.6%** due to significant corporate loan growth, while total financial investments slightly decreased, mainly due to a reduction in fund investments Assets Composition | Item | 2025 June 30 Amount (RMB million) | Percentage of Total (%) | 2024 December 31 Amount (RMB million) | Percentage of Total (%) | | :--- | :--- | :--- | :--- | :--- | | Net Customer Loans and Advances | 318,664.2 | 61.3 | 311,947.8 | 60.5 | | Net Financial Investments | 149,387.4 | 28.7 | 150,796.4 | 29.2 | | Cash and Balances with Central Bank | 24,650.0 | 4.7 | 26,580.4 | 5.1 | | Balances with and Placements with Banks and Other Financial Institutions | 4,841.6 | 0.9 | 1,191.8 | 0.2 | | Loans to Banks and Other Financial Institutions | 5,183.8 | 1.0 | 1,044.5 | 0.2 | | Financial Assets Held Under Resale Agreements | 370.3 | 0.1 | 9,456.3 | 1.8 | | Total Assets | 519,654.5 | 100.0 | 516,458.6 | 100.0 | - Total customer loans and advances were **RMB 325.949 billion**, an increase of **RMB 5.115 billion** from the end of the previous year, mainly due to the steady growth of corporate loan scale[62](index=62&type=chunk) - Total corporate loans and advances were **RMB 211.130 billion**, an increase of **RMB 1.189 billion** from the end of the previous year, mainly due to actively expanding the scale of corporate credit投放[65](index=65&type=chunk) - Total financial investments were **RMB 154.868 billion**, a decrease of **RMB 1.495 billion** from the end of the previous year, mainly due to a decrease in fund investments[73](index=73&type=chunk) - Total financial assets held under resale agreements were **RMB 370 million**, a decrease of **RMB 9.086 billion** from the end of the previous year, mainly due to optimizing fund utilization and asset portfolio structure[77](index=77&type=chunk) [Liabilities](index=25&type=section&id=4.2%20%E8%B2%A0%E5%82%B5) As of June 30, 2025, customer deposits accounted for **80.6% of total liabilities**, with time deposits making up **66.6%**, while deposits from banks and other financial institutions and borrowings from the central bank decreased, and financial assets sold under repurchase agreements and debt securities issued increased, reflecting adjustments in the liability structure Liabilities Composition | Item | 2025 June 30 Amount (RMB million) | Percentage of Total (%) | 2024 December 31 Amount (RMB million) | Percentage of Total (%) | | :--- | :--- | :--- | :--- | :--- | | Customer Deposits | 385,211.3 | 80.6 | 386,963.5 | 81.6 | | Debt Securities Issued | 49,819.1 | 10.4 | 47,336.6 | 10.0 | | Borrowings from Central Bank | 21,254.3 | 4.4 | 22,443.6 | 4.7 | | Financial Assets Sold Under Repurchase Agreements | 8,979.2 | 1.9 | 1,734.4 | 0.4 | | Deposits from Banks and Other Financial Institutions | 6,076.4 | 1.3 | 8,973.2 | 1.9 | | Total Liabilities | 477,926.8 | 100.0 | 473,925.7 | 100.0 | - Total customer deposits were **RMB 385.211 billion**, with time deposits accounting for **66.6%** and demand deposits for **23.6%**[81](index=81&type=chunk) - Deposits from banks and other financial institutions were **RMB 6.076 billion**, a decrease of **RMB 2.897 billion** from the end of the previous year, mainly due to strategic adjustments in interbank liability structure[84](index=84&type=chunk) - Financial assets sold under repurchase agreements were **RMB 8.979 billion**, an increase of **RMB 7.245 billion** from the end of the previous year, mainly due to adjustments in repurchase bonds and bills[86](index=86&type=chunk) - Debt securities issued were **RMB 49.819 billion**, an increase of **RMB 2.483 billion** from the end of the previous year, mainly due to an increase in the issuance scale of interbank certificates of deposit[87](index=87&type=chunk) [Equity](index=27&type=section&id=4.3%20%E6%AC%8A%E7%9B%8A) As of June 30, 2025, the Group's total equity was **RMB 41.728 billion**, a **1.9% decrease** from the end of the previous year, primarily due to a reduction in investment revaluation reserve and retained earnings Equity Composition | Item | 2025 June 30 Amount (RMB million) | Percentage of Total (%) | 2024 December 31 Amount (RMB million) | Percentage of Total (%) | | :--- | :--- | :--- | :--- | :--- | | Equity Attributable to Bank Shareholders | 40,931.5 | 98.1 | 41,747.1 | 98.2 | | Share Capital | 2,847.4 | 6.8 | 2,847.4 | 6.7 | | Other Equity Instruments | 6,997.8 | 16.8 | 6,997.8 | 16.5 | | Investment Revaluation Reserve | 1,181.1 | 2.8 | 1,862.4 | 4.4 | | Retained Earnings | 7,805.0 | 18.7 | 7,939.3 | 18.6 | | Total Equity | 41,727.7 | 100.0 | 42,532.9 | 100.0 | - Equity attributable to bank shareholders was **RMB 40.932 billion**, a decrease of **RMB 0.816 billion** from the end of the previous year, or **2.0%**[88](index=88&type=chunk) [Off-Balance Sheet Commitments](index=28&type=section&id=5.%20%E8%B3%87%E7%94%A2%E8%B2%A0%E5%82%B5%E8%A1%A8%E5%A4%96%E6%89%BF%E8%AB%BE) As of June 30, 2025, the Group's total off-balance sheet commitments were **RMB 11.128 billion**, a **6.0% decrease** from the end of the previous year, primarily due to a reduction in bankers' acceptances, guarantees, and letters of guarantee limits - Off-balance sheet commitments were **RMB 11.128 billion**, a decrease of **RMB 0.707 billion** from the end of the previous year, or **6.0%**, mainly due to a decrease in bankers' acceptances, guarantees, and letters of guarantee limits[91](index=91&type=chunk) Off-Balance Sheet Commitments Composition | Item | 2025 June 30 (RMB million) | 2024 December 31 (RMB million) | | :--- | :--- | :--- | | Bankers' Acceptances | 52,447.1 | 55,850.0 | | Guarantees and Letters of Guarantee | 29,620.4 | 34,604.0 | | Letters of Credit | 22,427.3 | 21,289.9 | | Unused Credit Card Limits | 6,781.0 | 6,601.6 | | Total | 111,275.8 | 118,345.5 | [Loan Quality Analysis](index=29&type=section&id=6.%20%E8%B2%B8%E6%AC%BE%E8%B3%AA%E9%87%8F%E5%88%86%E6%9E%90) As of June 30, 2025, the Group's total customer loans and advances increased by **1.6%**, with the non-performing loan ratio decreasing to **1.88%** and provision coverage remaining stable, while corporate loans were primarily concentrated in manufacturing, wholesale and retail, and leasing and business services, mainly located in Jiangxi Province, and borrower concentration complied with regulatory requirements - Total customer loans and advances were **RMB 325.949 billion**, an increase of **RMB 5.115 billion** from the end of the previous year, or **1.6%**[92](index=92&type=chunk) - Total non-performing loans were **RMB 6.134 billion**, with a non-performing loan ratio of **1.88%**, a decrease from **2.19%** at the end of the previous year[95](index=95&type=chunk) Loan Distribution by Five-Category Classification | Category | 2025 June 30 Amount (RMB million) | Percentage of Total (%) | 2024 December 31 Amount (RMB million) | Percentage of Total (%) | | :--- | :--- | :--- | :--- | :--- | | Normal | 300,929.0 | 92.33 | 294,466.0 | 91.78 | | Special Mention | 18,886.2 | 5.79 | 19,356.7 | 6.03 | | Substandard | 2,188.8 | 0.67 | 2,188.1 | 0.68 | | Doubtful | 1,494.4 | 0.46 | 1,730.5 | 0.54 | | Loss | 2,451.0 | 0.75 | 3,093.4 | 0.97 | | Non-performing Loan Ratio (%) | 1.88 | - | 2.19 | - | - The top three industries for corporate loans and advances were manufacturing (**16.8%**), wholesale and retail (**11.8%**), and leasing and business services (**9.2%**)[99](index=99&type=chunk) - Loans placed in Jiangxi Province amounted to **RMB 275.365 billion**, accounting for **84.5% of the Group's total customer loans and advances**[104](index=104&type=chunk) - The loan balance to the largest single borrower accounted for **0.83% of the Group's total loans**, and to the top ten single borrowers accounted for **3.98%**, both complying with regulatory requirements[105](index=105&type=chunk) [Loan Distribution by Five-Category Classification](index=29&type=section&id=6.1%20%E6%8C%89%E8%B2%B8%E6%AC%BE%E4%BA%94%E7%B4%9A%E5%88%86%E9%A1%9E%E5%8A%83%E5%88%86%E7%9A%84%E8%B2%B8%E6%AC%BE%E5%88%86%E4%BD%88%E6%83%85%E6%B3%81) As of the end of the reporting period, the Group's normal and special mention loans accounted for **98.12%**, with the non-performing loan ratio at **1.88%**, a decrease from the end of the previous year Loan Distribution by Five-Category Classification | Category | 2025 June 30 Amount (RMB million) | Percentage of Total (%) | 2024 December 31 Amount (RMB million) | Percentage of Total (%) | | :--- | :--- | :--- | :--- | :--- | | Normal | 300,929.0 | 92.33 | 294,466.0 | 91.78 | | Special Mention | 18,886.2 | 5.79 | 19,356.7 | 6.03 | | Non-performing Loan Ratio (%) | 1.88 | - | 2.19 | - | [Loan and Non-performing Loan Distribution by Business Type](index=29&type=section&id=6.2%20%E6%8C%89%E6%A5%AD%E5%8B%99%E9%A1%9E%E5%9E%8B%E5%8A%83%E5%88%86%E7%9A%84%E8%B2%B8%E6%AC%BE%E5%8F%8A%E4%B8%8D%E8%89%AF%E8%B2%B8%E6%AC%BE%E5%88%86%E4%BD%88%E6%83%85%E6%B3%81) As of the end of the reporting period, corporate loans and advances accounted for **64.8% of the total**, and retail loans and advances for **25.3%**, with the total non-performing loans for both corporate and retail businesses decreasing Loan and Non-performing Loan Distribution by Business Type | Business Type | 2025 June 30 Loan Amount (RMB million) | Percentage of Total (%) | 2025 June 30 Non-performing Loan Amount (RMB million) | 2024 December 31 Loan Amount (RMB million) | Percentage of Total (%) | 2024 December 31 Non-performing Loan Amount (RMB million) | | :--- | :--- | :--- | :--- | :--- | :--- | :--- | | Corporate Loans and Advances | 211,130.3 | 64.8 | 3,881.4 | 199,244.3 | 62.1 | 4,348.4 | | Retail Loans and Advances | 82,470.4 | 25.3 | 2,252.8 | 89,391.0 | 27.9 | 2,663.6 | | Bill Discounting | 32,348.7 | 9.9 | – | 32,199.4 | 10.0 | – | | Total Customer Loans and Advances | 325,949.4 | 100.0 | 6,134.2 | 320,834.7 | 100.0 | 7,012.0 | [Loan Distribution by Industry](index=30&type=section&id=6.3%20%E6%8C%89%E8%A1%8C%E6%A5%AD%E5%8A%83%E5%88%86%E7%9A%84%E8%B2%B8%E6%AC%BE%E5%88%86%E4%BD%88%E6%83%85%E6%B3%81) As of the end of the reporting period, manufacturing, wholesale and retail, and leasing and business services were the top three industries for corporate loans and advances, all achieving significant growth Corporate Loans and Advances by Industry Distribution | Industry | 2025 June 30 Amount (RMB million) | Percentage of Total (%) | 2024 December 31 Amount (RMB million) | Percentage of Total (%) | | :--- | :--- | :--- | :--- | :--- | | Manufacturing | 54,789.6 | 16.8 | 51,792.5 | 16.1 | | Wholesale and Retail | 38,577.5 | 11.8 | 33,838.3 | 10.6 | | Leasing and Business Services | 30,231.5 | 9.2 | 27,297.1 | 8.5 | | Total Corporate Loans and Advances | 211,130.3 | 64.8 | 199,244.3 | 62.1 | - Manufacturing loans and advances increased by **RMB 2.997 billion** from the end of the previous year, or **5.8%**; wholesale and retail loans and advances increased by **RMB 4.739 billion**, or **14.0%**; leasing and business services loans and advances increased by **RMB 2.934 billion**, or **10.7%**[99](index=99&type=chunk) [Loan and Non-performing Loan Distribution by Guarantee Method](index=31&type=section&id=6.4%20%E6%8C%89%E6%93%94%E4%BF%9D%E6%96%B9%E5%BC%8F%E5%8A%83%E5%88%86%E7%9A%84%E8%B2%B8%E6%AC%BE%E5%92%8C%E4%B8%8D%E8%89%AF%E8%B2%B8%E6%AC%BE%E5%88%86%E4%BD%88%E6%83%85%E6%B3%81) As of the end of the reporting period, guaranteed loans accounted for the highest proportion at **34.6%**, with mortgaged loans having the highest non-performing loan amount, but the overall non-performing loan amount decreased Loan and Non-performing Loan Distribution by Guarantee Method | Guarantee Method | 2025 June 30 Loan Amount (RMB million) | Percentage of Total (%) | 2025 June 30 Non-performing Loan Amount (RMB million) | 2024 December 31 Loan Amount (RMB million) | Percentage of Total (%) | 2024 December 31 Non-performing Loan Amount (RMB million) | | :--- | :--- | :--- | :--- | :--- | :--- | :--- | | Guaranteed Loans | 112,946.0 | 34.6 | 1,005.1 | 107,801.2 | 33.6 | 1,222.1 | | Mortgaged Loans | 90,997.8 | 27.9 | 3,473.2 | 94,000.2 | 29.3 | 3,822.4 | | Pledged Loans | 73,235.4 | 22.5 | 686.1 | 69,742.0 | 21.7 | 645.7 | | Unsecured Loans | 48,770.2 | 15.0 | 969.8 | 49,291.3 | 15.4 | 1,321.8 | | Total | 325,949.4 | 100.0 | 6,134.2 | 320,834.7 | 100.0 | 7,012.0 | [Loan Distribution by Region](index=31&type=section&id=6.5%20%E6%8C%89%E5%9C%B0%E5%8D%80%E5%8A%83%E5%88%86%E7%9A%84%E8%B2%B8%E6%AC%BE%E5%88%86%E4%BD%88%E6%83%85%E6%B3%81) As of the end of the reporting period, the Group's loans were primarily concentrated in Jiangxi Province, accounting for **84.5% of the total**, with Jiujiang City alone representing **31.7%** Loan Distribution by Region | Region | 2025 June 30 Amount (RMB million) | Percentage of Total (%) | 2024 December 31 Amount (RMB million) | Percentage of Total (%) | | :--- | :--- | :--- | :--- | :--- | | Jiangxi Province | 275,365.0 | 84.5 | 270,745.3 | 84.4 | | Of which: Jiujiang City | 103,458.5 | 31.7 | 103,895.3 | 32.4 | | Guangdong Province | 22,180.7 | 6.8 | 23,474.3 | 7.3 | | Anhui Province | 19,300.6 | 5.9 | 16,682.0 | 5.2 | | Total | 325,949.4 | 100.0 | 320,834.7 | 100.0 | - Loans placed in Jiangxi Province amounted to **RMB 275.365 billion**, an increase of **RMB 4.620 billion** from the end of the previous year, or **1.7%**, accounting for **84.5% of the Group's total customer loans and advances**[104](index=104&type=chunk) [Borrower Concentration](index=32&type=section&id=6.6%20%E5%80%9F%E6%AC%BE%E4%BA%BA%E9%9B%86%E4%B8%AD%E5%BA%A6) As of the end of the reporting period, the Group's loan balances to single borrowers and the top ten single borrowers complied with regulatory requirements, with the largest single borrower being in the manufacturing industry - The loan balance to any single borrower did not exceed **10% of the Group's net capital**[105](index=105&type=chunk) - The loan balance to the largest single borrower was **RMB 2.703 billion**, accounting for **0.83% of the Group's total loans** and **6.74% of net capital**[105](index=105&type=chunk) - The loan balance to the top ten single borrowers was **RMB 12.925 billion**, accounting for **3.98% of the Group's total loans** and **32.22% of net capital**[105](index=105&type=chunk) Top Ten Single Borrower Loan Balances (2025 June 30) | Borrower | Industry | Loan Amount (RMB million) | Percentage of Total Loans (%) | Percentage of Net Capital (%) | | :--- | :--- | :--- | :--- | :--- | | Borrower A | Manufacturing | 2,703.0 | 0.83 | 6.74 | | Borrower B | Manufacturing | 1,585.0 | 0.49 | 3.95 | | Borrower C | Health and Social Work | 1,498.3 | 0.46 | 3.74 | | Total | - | 12,925.4 | 3.98 | 32.22 | [Large Exposure Management](index=33&type=section&id=6.7%20%E5%A4%A7%E9%A1%8D%E9%A2%A8%E9%9A%AA%E6%9A%B4%E9%9C%B2%E7%AE%A1%E7%90%86) The Group continuously improved its large exposure management system, strengthened limit management, effectively controlled customer concentration risk, and ensured all regulatory indicators met requirements - The Group systematically carried out various tasks in large exposure management, improved its management system, and strengthened limit management[108](index=108&type=chunk) - As of the end of the reporting period, the Group's large exposure regulatory indicators all complied with regulatory requirements[108](index=108&type=chunk) [Loan Overdue Status](index=33&type=section&id=6.8%20%E8%B2%B8%E6%AC%BE%E9%80%BE%E6%9C%9F%E6%83%85%E6%B3%81) As of the end of the reporting period, the Group's total overdue loans amounted to **RMB 9.857 billion**, accounting for **3.0% of total customer loans and advances**, with overdue loans within **3 months** having the highest proportion - Total overdue loans were **RMB 9.857 billion**, accounting for **3.0% of total customer loans and advances**[111](index=111&type=chunk) Overdue Loans by Overdue Period Distribution (2025 June 30) | Overdue Period | Amount (RMB million) | Percentage of Total Customer Loans and Advances (%) | | :--- | :--- | :--- | | Within 3 months (inclusive) | 4,338.9 | 1.33 | | 3 months to 1 year (inclusive) | 3,323.1 | 1.02 | | 1 year to 3 years (inclusive) | 1,560.1 | 0.48 | | Over 3 years | 635.2 | 0.19 | | Subtotal | 9,857.3 | 3.02 | [Changes in Loan Impairment Provisions](index=34&type=section&id=6.9%20%E8%B2%B8%E6%AC%BE%E6%B8%9B%E5%80%BC%E6%90%8D%E5%A4%B1%E6%BA%96%E5%82%99%E8%AE%8A%E5%8B%95) As of the end of the reporting period, the Group's loan impairment provisions amounted to **RMB 9.481 billion**, with **RMB 3.491 billion** accrued during the period, and **RMB 5.216 billion** written off and transferred out - Loan impairment provisions were **RMB 9.481 billion**[114](index=114&type=chunk) Changes in Loan Impairment Provisions | Item | 2025 June 30 (RMB million) | 2024 December 31 (RMB million) | | :--- | :--- | :--- | | Beginning Balance | 10,808.1 | 9,680.2 | | Accrued in Current Period/Year | 3,490.6 | 4,992.6 | | Written Off and Transferred Out in Current Period/Year | (5,216.2) | (4,179.0) | | Recovered from Write-offs in Current Period/Year | 398.6 | 314.3 | | Ending Balance | 9,481.1 | 10,808.1 | [Segment Reporting](index=35&type=section&id=7.%20%E5%88%86%E9%83%A8%E5%A0%B1%E5%91%8A) In the first half of 2025, corporate banking business remained the Group's primary source of operating revenue, accounting for **60.4%**, while operating revenue from financial markets business significantly increased to **25.2%**, and retail banking business saw a slight decrease in its share Operating Revenue Distribution by Business Segment | Business Type | 2025 H1 Amount (RMB million) | Percentage of Total (%) | 2024 H1 Amount (RMB million) | Percentage of Total (%) | | :--- | :--- | :--- | :--- | :--- | | Corporate Banking Business | 3,228.0 | 60.4 | 3,424.8 | 62.3 | | Retail Banking Business | 1,173.4 | 22.0 | 1,328.5 | 24.2 | | Financial Markets Business | 1,347.2 | 25.2 | 932.5 | 16.9 | | Total Operating Revenue | 5,342.5 | 100.0 | 5,500.5 | 100.0 | [Capital Adequacy Ratio and Leverage Ratio Analysis](index=36&type=section&id=8.%20%E8%B3%87%E6%9C%AC%E5%85%85%E8%B6%B3%E7%8E%87%E5%8F%8A%E5%8B%9D%E6%A1%BF%E7%8E%87%E5%88%86%E6%9E%90) As of June 30, 2025, the Group's capital adequacy ratio, Tier 1 capital adequacy ratio, and Common Equity Tier 1 capital adequacy ratio all met regulatory requirements, though they decreased from the end of the previous year, and the leverage ratio was **6.58%**, also complying with regulatory requirements - As of the end of the reporting period, the Group's capital adequacy ratio, Tier 1 capital adequacy ratio, and Common Equity Tier 1 capital adequacy ratio were **11.18%**, **11.15%**, and **8.62%**, respectively, meeting the requirements of the "Measures for the Administration of Capital of Commercial Banks"[117](index=117&type=chunk) Capital Adequacy Ratio Indicators | Metric | 2025 June 30 (%) | 2024 December 31 (%) | | :--- | :--- | :--- | | Common Equity Tier 1 Capital Adequacy Ratio | 8.62 | 9.44 | | Tier 1 Capital Adequacy Ratio | 11.15 | 11.97 | | Capital Adequacy Ratio | 11.18 | 13.17 | - The leverage ratio was **6.58%**, complying with regulatory requirements (not lower than **4%**)[119](index=119&type=chunk)[120](index=120&type=chunk) [Business Operations](index=38&type=section&id=9.%20%E6%A5%AD%E5%8B%99%E9%81%8B%E4%BD%9C) In the first half of 2025, the Group continuously optimized its corporate finance, retail banking, financial markets, industrial finance, and featured businesses, achieving steady business development and multiple awards through strategies such as strengthening services to the real economy, deepening customer relationships, digital intelligence-driven approaches, and technology empowerment, with positive progress also made in Digital Jiujiang Bank construction and subsidiary village bank operations [Corporate Finance Business](index=38&type=section&id=9.1%20%E4%BC%81%E6%A5%AD%E9%87%91%E8%9E%8D%E6%A5%AD%E5%8B%99) The bank's corporate finance business focuses on serving the real economy, increasing loan disbursements in key areas, especially for manufacturing and small and micro enterprises, enhancing service quality and market competitiveness through solidifying the customer base, implementing stratified operating strategies, innovating business models and processes, and promoting digital transformation, while investment banking achieved breakthroughs in direct financing and special bond advisory services - As of the end of the reporting period, the Group's manufacturing loan amount was **RMB 54.790 billion**, an increase of **RMB 2.997 billion** from the end of the previous year, or **5.8%**[121](index=121&type=chunk) - Corporate "two-increase" loan balance was **RMB 36.249 billion**, an increase of **5.86%**; corporate "two-increase" loan accounts numbered **8,748**, an increase of **462 accounts** from the end of the previous year[121](index=121&type=chunk) - The number of corporate customers and corporate credit exposure customers were **116,800 accounts** and **12,500 accounts**, respectively, increasing by **10,800 accounts** and **725 accounts** from the end of the previous year, with growth rates of **10.19%** and **6.16%**, respectively[122](index=122&type=chunk) - Launched a new process for small and micro enterprise working capital loans under **RMB 10 million**, with **936 accounts** cumulatively disbursed **RMB 2.189 billion** in the first half of 2025[122](index=122&type=chunk) - Investment banking business successfully issued Jiangxi Province's first county-level industrial debt financing instrument and obtained the qualification as a special bond service bank for Ganzhou City[124](index=124&type=chunk) [Retail Banking Business](index=40&type=section&id=9.2%20%E9%9B%B6%E5%94%AE%E9%8A%80%E8%A1%8C%E6%A5%AD%E5%8B%99) The bank's retail banking business adheres to a "people-centered" and "three services" positioning, focusing on consumer finance and serving the real economy, enhancing service efficiency through deepened digital operations and technology empowerment, while consumer finance business continuously optimized its asset structure and deepened scenario ecosystem construction around the core theme of "high-quality credit disbursement" - Retail banking business focuses on consumer finance and serving the real economy, utilizing AI large models for precise operations and enhancing wealth management structure[126](index=126&type=chunk) - As of the end of the reporting period, retail AUM and customer numbers maintained steady growth[126](index=126&type=chunk) - Consumer

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 賴該等內容而引致之任何損失承擔任何責任。 董事會謹此宣佈，臨時股東大會已於2025年9月29日（星期一）下午三時正假座中 國江西省九江市濂溪區長虹大道619號九江銀行大廈四樓會議室以現場會議形式 舉行。 一、臨時股東大會召開和出席情況 （一）臨時股東大會召開情況 Bank of Jiujiang Co., Ltd.* * 6190 於 2025 年 9 月 29 日舉行之 2025 年第二次臨時股東大會之投票表決結果 茲提述九江銀行股份有限公司*（「本行」）日期為2025年9月12日之2025年第二次 臨時股東大會（「臨時股東大會」）的通函（「通函」）。除文義另有所指外，本公告所 用詞彙與通函所界定者具有相同涵義。 臨時股東大會之所有決議案均以現場投票方式表決，其表決結果如下： | | 特別決議案 | | 有效票數(%) | | | --- | --- | --- | --- | --- | | | | 贊成 | 反對 | 棄權 | | 1. ...

转自：新华财经 在2025年全国"质量月"期间，九江银行组织全行分支机构开展"金融标准 为民利企"主题宣传活动，通 过多元化渠道宣传普及金融标准知识。 九江银行各营业网点利用LED屏循环播放"金融标准 为民利企"主题标语，重点向客户宣讲银行服务规 范体系、金融消费者权益保护要点及普惠金融服务标准，切实增强客户风险识别能力和自我保护意识。 九江银行深入校园、社区及商业街区开展"金融标准 为民利企"活动，通过发放标准化宣传手册、开展 互动式讲解，重点普及金融产品服务相关标准，提升百姓标准化意识。 对照JR/T 0235-2021《数字函证银行应用数据规范》、JR/T0253-2022《金融服务生僻字处理指南》等行 业标准，九江银行制定并执行《九江银行数字函证服务规范》《九江银行生僻字处理规范》两项企业标 准，实现纸质函证的全流程线上化统一处理，单份函证平均处理时间从20小时以上缩短至9小时，服务 效率大幅提升；完成柜面系统、手机银行、智能机具的生僻字适配改造，可实现账户开户、存取款、跨 行转账等金融场景支持生僻字办理业务的功能，让本行客户切实感受金融标准化带来的服务效能提升。 凭借在数字函证和生僻字处理领域的出色 ...