九江银行港股（06190.HK）近一周交易极度清淡，流动性枯竭。截至2026年2月24日，该股最新价1.87 港元，较前一日下跌0.53%，但当日及近期多个交易日（如2月20日、23日）成交量为0，振幅为0%，换 手率为0%，显示无实际交易活动内部专业金融数据库。同期，港股银行板块下跌1.03%，恒生指数下跌 2.00%，九江银行股价深度破净（市净率0.14倍），与板块脱节。 以上内容基于公开资料整理，不构成投资建议。 来源：经济观察网 经济观察网 九江银行近一周最受关注的热点是股权流拍事件。2026年2月24日，保银爆点报道称，九江 银行4165.2万股内资股在阿里拍卖变卖中第三次流拍，评估价6.09亿元打5.6折至3.41亿元仍无人出价， 反映市场对中小城商行资产质量和流动性的担忧。该事件凸显九江银行不良贷款率攀升（2024年末达 2.19%）、资本充足率承压（2025年9月末核心一级资本充足率8.63%）等基本面风险，可能对投资者信 心产生负面影响。 股票近期走势 ...

Core Viewpoint - Jiujiang Bank (06190.HK) is undergoing significant changes, including a capital increase plan and potential shifts in shareholder structure, which may impact its financial stability and governance. Group 1: Company Project Advancement - Jiujiang Bank plans to initiate a capital increase in October 2025, proposing to issue up to 860 million domestic shares and 175 million H-shares, potentially increasing total shares from 2.847 billion to 3.882 billion, a 36.4% increase. The first major shareholder, Jiujiang Municipal Finance Bureau, and the third major shareholder, Industrial Bank, have expressed intent to subscribe, but there has been no substantial progress on the H-share issuance. Future attention is needed on whether the fundraising target is met and its impact on the equity structure of new and existing shareholders [1]. Group 2: Company Structure and Governance - The seventh largest shareholder, Yuhang (Xiamen) Holdings (holding 3.04%), is facing a failed auction of its shares in December 2025. The eighth largest shareholder, Jiangxi Baoshen Industrial (holding 2.98%), has also encountered difficulties in selling its shares, which are currently in the process of being liquidated. These issues may lead to changes in the equity structure and affect the stability of corporate governance [2]. Group 3: Financial Condition - As of September 2025, Jiujiang Bank's core Tier 1 capital adequacy ratio stands at 8.63%, a decrease of 0.81 percentage points since the beginning of the year, approaching the regulatory minimum. The capital increase plan aims to replenish core Tier 1 capital, which will directly influence whether the capital adequacy ratio can recover to a safe level (above 9.5%), thereby affecting the bank's risk resilience [3]. Group 4: Operating Condition - As of June 2025, the non-performing loan ratio is 1.88%, but the proportion of special mention loans is high at 5.79%. Additionally, a debt of 720 million yuan owed by local AMC Guothou Assets, which accounts for 80.8% of the bank's net profit for the first three quarters of 2025, remains unresolved. Attention is needed on the progress of non-performing asset disposal, changes in exposure to the real estate sector, and whether this will lead to further provisioning [4]. Group 5: Policy and Regulation - In the first half of 2025, the bank received multiple regulatory fines related to the improper use of credit funds. From late 2025 to early 2026, there has been a surge in consumer complaints regarding issues such as aggressive debt collection and violations of credit inquiry regulations. Future observation is required on the internal governance optimization measures and the outcomes of regulatory reviews [5]. Group 6: Recent Stock Performance - The H-share price has declined approximately 84% from its peak in 2021, with a price-to-book ratio of only 0.13 times at the beginning of 2026. Developments in the capital increase, signals of asset quality improvement, or internal compliance issues may exacerbate stock price volatility, necessitating attention to market sentiment changes [6].

Corporate Dynamics - Huaxia Bank reported a net profit attributable to shareholders of 27.2 billion yuan for 2025, a slight decrease of 1.72% year-on-year [1] - The bank's operating income for 2025 was 91.914 billion yuan, down 5.39% compared to the previous year [1] - Total assets reached 4.737619 trillion yuan, reflecting an 8.25% increase from the end of the previous year [1] Financial Adjustments - Bank of China raised the minimum purchase amount for its accumulation gold products from 950 yuan to 1,200 yuan [2] - Bank of Communications announced an increase in the margin ratio for personal clients trading gold contracts from 60% to 80% due to heightened market risks [3] - China Construction Bank will implement dynamic trading limit management for its gold products and suspend physical repurchase services from February 14 to February 23 [4] Capital Increases - Jiujiang Bank plans to increase its capital and has received support from two major shareholders, including Industrial Bank, which will subscribe to the bank's domestic shares [5] Personnel Changes - Bank of China appointed Huang Xueling as a new executive, expected to serve as vice president after completing relevant procedures [6] - Beijing Bank elected Guan Wenjie as the new chairman and appointed Wei Yu as vice president, pending regulatory approval [7] - China Everbright Bank appointed Yang Wenhua as vice president and chief compliance officer, and Wang Yongqi as vice president, effective upon regulatory approval [8] Legal and Regulatory Issues - Lin Jingzhen, former vice president of Bank of China, was expelled from the party for serious violations, along with several other senior officials from major banks [9] - Xu Yiding, vice president of Agricultural Development Bank, is under investigation for serious violations [10]

Fundraising Overview - The company has received approval from the China Securities Regulatory Commission for its initial public offering (IPO), allowing it to issue 34.19 million shares at a price of RMB 15.38 per share, raising a total of RMB 525.84 million, with a net amount of RMB 457.44 million after deducting issuance costs [2]. Fund Management and Regulatory Compliance - The company has established a special account for the raised funds and signed a tripartite supervision agreement with CITIC Securities and Jiujiang Bank to ensure proper management and protection of investor rights [3][4]. - The special account is designated solely for the "Electronic Technology Park and High-end Smart Home Industrial Park Project," with a total of RMB 63.45 million stored in this account [4]. Agreement Details - The tripartite agreement outlines the responsibilities of each party, including the management of the special account, cash management procedures, and the requirement for monthly account statements to be provided to the sponsor [5][6]. - The agreement stipulates that any withdrawal exceeding RMB 50 million or 20% of the net raised funds must be reported to the sponsor within five working days [7][8]. Compliance and Monitoring - The sponsor is responsible for ongoing supervision of the fund management and usage, with the right to conduct on-site inspections and inquiries [6][8]. - The agreement will remain in effect until all funds are fully utilized and the supervision period by the sponsor concludes [8][9].

关于九江银行定向增发的认购意向函 最终认购价格、认购股数根据届时签订的认购协议确 定,认购协议条款应遵守发行方案中的约定。 专此函达 次 / 为支持九江银行高质量可持续发展,经研究,本行拟参 与贵行本次定向增发,具体如下: 1、意向认购股份类别:团内资股 □H股 2、意向认购金额:总金额占本次定向增发实际募集资 金总额的比例不超过本行现有持股比例。 九江银行股份有限公司: ...

此乃要件 請即處理 閣下如對本通函任何方面或需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。 閣下如已出售或轉讓名下的全部九江銀行股份有限公司*股份，應立即將本通函連同代表委任表格送交買主或承讓人，或經手買賣或轉 讓的銀行、股票經紀或其他代理人，以便轉交買主或承讓人。 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。 本通函僅供參考用途，概不構成收購、購買或認購任何證券之邀請或要約。 在香港以外司法權區派發本通函或會受到法律限制。持有本通函的人士須自行了解並遵守任何該等限制。不遵守任何該等限制或會違反 任何有關司法權區的證券法律。 本通函或其任何副本概不得在美國或在刊發或派發本通函屬違法的任何其他司法權區內刊發或派發。根據特別授權將予非公開發行的內 資股及H股並未且將不會根據1933年美國證券法（「美國證券法」）或美國任何州份或其他司法權區之證券法律登記，並且除非獲豁免遵守 美國證券法及任何適用 ...

Bank of Jiujiang Co., Ltd.* * | | 特別決議案 | （附註5） 贊成 | （附註5） 反對 | （附註5） 棄權 | | --- | --- | --- | --- | --- | | 1. | 審議並逐項批准關於建議以特別授權非公開發行內資股的議案之 | | | | | | 以下各項： | | | | | 1.1 | 發行股票的種類及面值 | | | | | 1.2 | 發行數量 | | | | | 1.3 | 發行對象 | | | | | 1.4 | 定價方式 | | | | | 1.5 | 發行方式 | | | | | 1.6 | 發行時間 | | | | | 1.7 | 限售情況 | | | | | 1.8 | 募集資金用途 | | | | | 1.9 | 滾存未分配利潤的分配 | | | | | 1.10 | 方案有效期 | | | | | 2. | 審議並逐項批准關於建議以特別授權非公開發行H股的議案之以下 各項： | | | | | 2.1 | 發行股票的種類及面值 | | | | | 2.2 | 發行數量 | | | | | 2.3 | 發行對象 | | | | ...

本人╱吾等 （附註2） 地址為 為九江銀行股份有限公司*（「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 的持有人，茲委任會議主席或 Bank of Jiujiang Co., Ltd.* * 6190 將於2026年2月28日舉行之 2026年第一次臨時股東會或其任何續會適用之代表委任表格 本代表委任表格相關 的股份數目 （附註1） 內資股 H股 附註： 3. 請填上以 閣下名義登記的本行股份數目，並刪去不適用者。 1. 請填上本代表委任表格所涉及以 閣下名義登記的本行股份數目。倘填上數目，則本代表委任表格將被視為僅與該等股份有關。倘未有填上 數目，則本代表委任表格將被視為與本行所有以 閣下名義登記的所有股份有關（不論以個人名義或是聯名登記）。 2. 請用正楷填上登記在本行股東名冊上的全名及地址。 日期：2026年 月 日 簽署 （附註6） ： （附註4） 地址為 為本人╱吾等的代表，並代表本人╱吾等出席將於2026年2月28日（星期六）下午三時正假座中華人民共和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之本行2026年第一次臨時股東會（「臨時股東 ...

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，概不對因本通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。 Bank of Jiujiang Co., Ltd.* * 6190 2026年第一次H股類別股東會議通告 茲通告九江銀行股份有限公司*（「本行」）2026年第一次H股類別股東會議（「2026 年第一次H股類別股東會議」）謹訂於2026年2月28日（星期六）緊隨本行2026年第一次 臨時股東會及2026年第一次內資股類別股東會議結束後假座中華人民共和國江西省九 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，以供H股股 東審議並酌情批准下列決議案： 特別決議案 – 1 – 1. 審議並逐項批准關於建議以特別授權非公開發行內資股的議案之以下各 項： 1.1 發行股票的種類及面值； 1.2 發行數量； 1.3 發行對象； 1.4 定價方式； 1.5 發行方式； 1.6 發行時間； 1.7 限售情況； 1.8 募集資金用途； 1.9 滾存未分配利潤的分配； 1.10 方案有效期； 承董事會 ...

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，概不對因本通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。 Bank of Jiujiang Co., Ltd.* * 6190 2026年第一次臨時股東會通告 茲通告九江銀行股份有限公司*（「本行」）2026年第一次臨時股東會（「臨時股東 會」）謹訂於2026年2月28日（星期六）下午三時正假座中華人民共和國（「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，以供本行 股東（「股東」）審議並酌情批准下列決議案： 特別決議案 – 1 – 1. 審議並逐項批准關於建議以特別授權非公開發行內資股的議案之以下各 項： 1.1 發行股票的種類及面值； 1.2 發行數量； 1.3 發行對象； 1.4 定價方式； 1.5 發行方式； 1.6 發行時間； 1.7 限售情況； 1.8 募集資金用途； 1.9 滾存未分配利潤的分配； 1.10 方案有效期； – 2 – 董事長 2. 審議並逐項批准關於建議以特別授權非公開發行H股的議案之以下各 ...