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。 Bank of Jiujiang Co., Ltd.* * 6190 截至 2024 年 6 月 30 日止六個月之 中期業績公告 九江銀行股份有限公司*（「本行」）董事會（「董事會」）欣然宣佈本行及其子公司 （「本集團」）截至2024年6月30日止六個月之未經審計的合併中期業績（「中期業 績」）。本中期業績公告列載本集團截至2024年6月30日止六個月之中期報告全 文，並符合香港聯合交易所有限公司證券上市規則中有關中期業績初步公告附載 的資料之要求。 本集團截至2024年6月30日止六個月之中期報告將於適當時候分別在本行的網站 (www.jjccb.com)及香港交易及結算所有限公司披露易網站( www.hkexnews.hk )發 佈。 承董事會命 九江銀行股份有限公司* 董事長 周時辛 中華人民共和國，江西 2024年8月30日 於本公告日期，本行董事會包括執行董事周時辛先生、肖璟先生及袁德磊先生 ...

2023 年度報告2023 （於中華人民共和國註冊成立的股份有限公司） 股份代號：6190 年度報告 | --- | --- | --- | --- | --- | --- | --- | --- | |-------|-------|-------|-------|-------|----------------|--------------------------|------------------------------------------| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | 目 | 錄 | | | | | | | | 2 | 公司簡介 | | | | | | | | | | | | | | | | | 7 | | 會計數據及財務指標摘要 | | | | | | | 10 | 董事會致辭 | | | | | | | | 12 | | 管理層討論與分析 | | | | | | | | | | | | | | | | 67 | | 股本變 ...

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。 Bank of Jiujiang Co., Ltd.* * 6190 截至 2023 年 12 月 31 日止年度之 年度業績公告 九江銀行股份有限公司*（「本行」）董事會（「董事會」）欣然宣佈本行及其附屬公 司（「本集團」）截至2023年12月31日止年度之經審計的綜合年度業績（「年度業 績」）。本業績公告符合香港聯合交易所有限公司（「香港聯交所」）證券上市規則中 有關年度業績初步公告附載的資料之要求。董事會及董事會審計委員會已審閱此 年度業績。 本業績公告將分別在香港聯交所披露易網站( www.hkexnews.hk )及本行網站 ( www.jjccb.com )發佈。 本行2023年年度報告將分別在上述香港聯交所披露易網站及本行網站發佈，並按 本行H股股東選擇收取公司通訊的方式寄發予本行H股股東。 承董事會命 九江銀行股份有限公司* 董事長 周時辛 中華人民共和國，江西 2024年3月28日 於 ...

九江銀行股份有限公司 Bank of Jiujiang Co., Ltd. （於中華人民共和國註冊成立的股份有限公司） 股份代號：6190 2023 中期報告 INTERIM REPORT (A joint stock company incorporated in the People's Republic of China with limited liability) Stock Code : 6190 九江銀行股份有限公司 Bank of Jiujiang Co., Ltd. 2023 目 錄 2 公司簡介 6 會計數據及財務指標摘要 9 管理層討論與分析 78 股本變動及股東情況 93 董事、監事、高級管理層、員工及機構情況 111 公司治理 116 重大事項 120 致九江銀行股份有限公司董事會之審閱報告 122 未經審計合併損益及其他綜合收益表 124 未經審計合併財務狀況表 126 未經審計合併權益變動表 127 未經審計合併現金流量表 129 未經審計合併財務報表附註 197 釋義 公司簡介 1. 基本資料 法定中文名稱： 九江銀行股份有限公司* 法定英文名稱： Bank of Jiujia ...

Assets and Financial Position - As of June 30, 2023, Bank of Jiujiang reported total assets exceeding RMB 490 billion[6] - The bank's total assets as of June 30, 2023, were RMB 492,490.2 million, representing a growth of 2.7% from RMB 479,703.5 million at the end of 2022[16] - The total assets of the bank's 18 controlled rural banks amounted to RMB 16.517 billion, an increase of 1.17% from the end of the previous year[156] - The total amount of customer loans and advances was RMB 292,943.2 million, an increase of RMB 13,777.9 million compared to the previous year[103] - The total amount of corporate loans and advances was RMB 174,701.1 million, an increase from RMB 162,427.3 million as of December 31, 2022[73][74] - The total amount of retail loans and advances was RMB 96,104.5 million, with an NPL amount of RMB 1,848.3 million, leading to an NPL ratio of 1.92%[110] - The total amount of interbank and other financial institution deposits was RMB 2,571 million, an increase of 15.2% from the previous year[84] - The total liabilities of the group amounted to RMB 455.35 billion, an increase of RMB 12.06 billion or 2.7% compared to the end of the previous year[86] - The total customer deposits reached RMB 377.80 billion as of June 30, 2023, remaining stable compared to the end of the previous year[87] Income and Profitability - Net interest income for the first half of 2023 was RMB 4,128.6 million, a decrease of 5.0% compared to RMB 4,347.1 million in the same period of 2022[15] - Total operating income for the first half of 2023 was RMB 5,255.4 million, reflecting a slight increase of 0.8% from RMB 5,212.1 million in the previous year[15] - The bank's net profit attributable to shareholders for the first half of 2023 was RMB 922.1 million, down 9.9% from RMB 1,023.7 million in the same period of 2022[15] - The company reported a pre-tax profit of RMB 1.011 billion, down 10.3% year-on-year[25] - The company achieved operating income of RMB 5.255 billion and net profit of RMB 944 million, with a year-on-year decline of 9.1%[23] Loan Quality and Risk Management - The non-performing loan ratio increased to 2.06% as of June 30, 2023, compared to 1.82% at the end of 2022[16] - The amount of non-performing loans reached RMB 60.21 million, with a breakdown of RMB 1,924.4 million in substandard, RMB 1,522.6 million in doubtful, and RMB 2,574.2 million in loss categories[100] - The total amount of normal and attention loans was RMB 286,922.0 million, accounting for 97.94% of total loans[101] - The company attributed the increase in the NPL ratio to the overall economic environment affecting customers' repayment capabilities[104] - The group has enhanced its large exposure risk management framework in compliance with regulatory requirements, aiming to improve overall risk management levels[118] Capital and Shareholder Structure - The bank's registered capital increased to RMB 2,847,367,200 following recent H-share and domestic share issuances[5] - As of June 30, 2023, the total issued share capital of the company was 2,407,367,200 shares, consisting of 2,000,000,000 domestic shares and 407,367,200 H shares[189] - The largest shareholder, Jiujiang Finance Bureau, holds 366,020,000 shares, accounting for 15.20% of the total issued share capital[194] - The total number of shares held by the top ten shareholders indicates a significant concentration of ownership within the company[194] - The company has a diverse shareholder base, including financial institutions and industrial companies, which may influence its strategic direction[198] Strategic Initiatives and Future Outlook - The bank aims to optimize its shareholder structure and expand its market presence through strategic partnerships[6] - The bank's future outlook includes continued focus on technological innovation and market expansion initiatives[6] - The bank's theme for 2023 focuses on solidifying customer foundations, enhancing revenue and profit, and deepening structural adjustments for sustainable development[158] - The bank is committed to enhancing the efficiency of credit management through improved risk management policies and processes[165] Operational Efficiency and Cost Management - Operating expenses for the six months ended June 30, 2023, were RMB 1.446 billion, an increase of RMB 107 million or 8.0% year-on-year[57] - The company has streamlined 56 business processes, involving 155 regulations and procedures, proposing over 90 internal regulation optimizations and 393 procedural measures[177] - The company completed the self-evaluation of internal controls for the year 2022, optimizing the internal control evaluation and supervision system[178] Digital Transformation and Innovation - The bank's digital transformation efforts have led to the automation of bond pricing and enhanced risk control capabilities[149] - The new anti-money laundering system has been successfully implemented, enhancing efficiency and reducing the number of warning cases significantly[180] - The bank has achieved recognition for its asset management system and business continuity management, being the only city commercial bank in Jiangxi Province certified by ISO22301[162] Community and Social Responsibility - The bank established 639 inclusive financial service stations across the province, conducting 200 promotional activities in the first half of 2023[152] - The bank has supported seven carbon reduction projects with a total loan amount of RMB 350 million as of June 30, 2023[153] - The bank has served nearly 100,000 new citizens by June 30, 2023, through various financial services tailored to their needs[145]

Financial Performance - Interest income increased by 1.6% to RMB 8,593.6 million in 2022 compared to RMB 8,456.5 million in 2021[13] - Net fee and commission income grew by 21.5% to RMB 841.7 million in 2022 from RMB 692.8 million in 2021[13] - Operating income rose by 5.0% to RMB 10,869.9 million in 2022 from RMB 10,347.5 million in 2021[13] - Net profit attributable to shareholders decreased by 6.6% to RMB 1,615.1 million in 2022 from RMB 1,728.6 million in 2021[13] - Basic earnings per share dropped by 26.39% to RMB 0.53 in 2022 from RMB 0.72 in 2021[13] - Average return on total assets declined by 0.05 percentage points to 0.36% in 2022 from 0.41% in 2021[14] - Net interest margin decreased by 0.09 percentage points to 1.91% in 2022 from 2.00% in 2021[14] - Core tier 1 capital adequacy ratio fell by 0.35 percentage points to 7.93% in 2022 from 8.28% in 2021[14] - Total capital adequacy ratio decreased by 0.59 percentage points to 12.62% in 2022 from 13.21% in 2021[14] - Total assets increased to RMB 479,703.5 million in 2022, up 3.9% from RMB 461,503.0 million in 2021[15] - Customer loans and advances net balance grew to RMB 271,535.2 million in 2022, an 11.8% increase from RMB 242,938.4 million in 2021[15] - Customer deposits rose to RMB 377,340.0 million in 2022, a 9.4% increase from RMB 344,851.1 million in 2021[15] - Non-performing loan ratio increased to 1.82% in 2022, up 0.41 percentage points from 1.41% in 2021[15] - Provision coverage ratio decreased to 173.01% in 2022, down 41.65 percentage points from 214.66% in 2021[15] - Loan-to-deposit ratio rose to 73.98% in 2022, up 1.57 percentage points from 72.41% in 2021[16] - Liquidity coverage ratio dropped to 267.97% in 2022, down 158.34 percentage points from 426.31% in 2021[16] - Single largest customer loan and advance ratio decreased to 0.64% in 2022, down 0.24 percentage points from 0.88% in 2021[16] - Total equity increased to RMB 36,416.2 million in 2022, up 2.8% from RMB 35,413.2 million in 2021[15] - Net capital rose slightly to RMB 42,594.0 million in 2022, a 0.1% increase from RMB 42,530.5 million in 2021[15] - The company achieved a total operating income of RMB 108.70 billion and a net profit of RMB 16.80 billion in 2022[28] - Total assets reached RMB 4,797.04 billion, a year-on-year increase of 3.9%[28] - Customer loans and advances totaled RMB 2,791.65 billion, up 11.8% from the previous year[28] - Customer deposits amounted to RMB 3,773.40 billion, a 9.4% increase from the end of the previous year[28] - The non-performing loan ratio stood at 1.82%, with a provision coverage ratio of 173.01% and a capital adequacy ratio of 12.62%[28] - The company achieved a pre-tax profit of RMB 20.01 billion in 2022, a year-on-year increase of 0.2%, while net profit decreased by 5.8% to RMB 16.80 billion[29] - Net interest income increased by 1.6% to RMB 8.59 billion, accounting for 79.1% of total operating income[30] - Fee and commission net income grew by 21.5% to RMB 841.7 million, driven by a 17.6% increase in fee and commission income[29] - The net interest margin decreased to 1.91% in 2022 from 2.00% in 2021, while the net interest spread remained stable at 1.93%[30] - Interest income from customer loans and advances increased by RMB 1.26 billion, primarily due to a RMB 1.87 billion increase from scale expansion, despite a RMB 608.5 million decrease from interest rate changes[33] - Interest expense increased by RMB 531.2 million, with customer deposits contributing RMB 1.13 billion due to scale expansion, partially offset by a RMB 596.5 million decrease from interest rate changes[33] - The average yield on interest-earning assets decreased to 4.43% in 2022 from 4.55% in 2021, while the average cost of interest-bearing liabilities decreased to 2.50% from 2.63%[30] - Financial investment income decreased by 0.9% to RMB 1.05 billion, while other operating income surged by 177.0% to RMB 385.3 million[29] - Operating expenses increased by 5.9% to RMB 3.28 billion, and asset impairment losses rose by 6.4% to RMB 5.60 billion[29] - Profit attributable to non-controlling interests increased by 16.2% to RMB 65.3 million, while profit attributable to the company's shareholders decreased by 6.6% to RMB 1.62 billion[29] - Interest income for 2022 reached RMB 19.948 billion, an increase of RMB 668 million, or 3.5% YoY, driven by growth in interest-earning assets, partially offset by a decline in average asset yield[36] - Customer loans and advances interest income increased by RMB 1.262 billion, or 9.9% YoY, to RMB 13.966 billion, due to an increase in the average balance of customer loans and advances[36] - Financial investment interest income decreased by RMB 398 million, or 7.2% YoY, to RMB 5.111 billion, as the company adopted a more conservative investment strategy, increasing low-risk investments like government bonds[37] - Interest income from reverse repurchase agreements decreased by RMB 158 million, or 29.0% YoY, to RMB 389 million, due to a decline in the average yield of reverse repurchase assets[38] - Interest income from deposits with the central bank decreased by RMB 43 million, or 8.7% YoY, to RMB 452 million, primarily due to a decrease in the average balance of deposits with the central bank[39] - Interest income from deposits with other financial institutions increased by RMB 7 million, or 28.0% YoY, to RMB 30 million, driven by an increase in the average yield, partially offset by a decrease in the average balance[40] - Interest expenses for 2022 increased by RMB 531 million, or 4.9% YoY, to RMB 11.354 billion, mainly due to higher customer deposit interest expenses[41] - Customer deposit interest expenses increased by RMB 1.134 billion, or 13.7% YoY, to RMB 9.395 billion, driven by an increase in both the average interest rate and the average balance of customer deposits[42] - Interest expenses from deposits with other financial institutions decreased by RMB 103 million, or 18.0% YoY, to RMB 471 million, as the company optimized its liability structure[44] - Net interest margin decreased from 2.00% in 2021 to 1.91% in 2022, reflecting the narrowing of overall market interest rate spreads due to further interest rate marketization[48] - Fee and commission net income reached RMB 842 million, an increase of RMB 149 million, up 21.5% year-on-year, driven by strengthened management of intermediary business income[49] - Credit commitment and financial guarantee fees increased to RMB 256 million, up 11.4% year-on-year, due to growth in bank guarantee and commercial bill acceptance business[49] - Wealth management fee income rose to RMB 237 million, a 3.4% increase year-on-year, attributed to the expansion of wealth management asset scale[50] - Settlement and clearing service fee income surged to RMB 221 million, a 105.3% year-on-year increase, driven by higher credit letter issuance fees[50] - Financial investment income net amounted to RMB 1.049 billion, a slight decrease of 0.9% year-on-year, reflecting a conservative investment strategy[51] - Operating expenses totaled RMB 3.275 billion, up 5.9% year-on-year, in line with overall business growth[53] - Employee compensation expenses increased to RMB 1.819 billion, a 3.2% rise year-on-year, due to expanded workforce[54] - Depreciation and amortization expenses rose to RMB 423 million, up 21.1% year-on-year, reflecting changes in tangible assets and equipment[55] - Asset impairment losses reached RMB 5.602 billion, a 6.4% increase year-on-year, due to enhanced financial asset risk management[57] - Income tax expenses increased to RMB 321 million, up 50.3% year-on-year, driven by higher non-deductible write-off losses[60] - Total assets of the group increased by RMB 18.201 billion (3.9%) to RMB 479.704 billion as of December 31, 2022, primarily due to increases in customer loans and advances, and financial investments[62] - Customer loans and advances totaled RMB 279.165 billion, an increase of RMB 29.451 billion (11.8%) compared to the previous year, driven by steady growth in corporate loans and retail loan business development[65] - Corporate loans and advances increased by RMB 12.745 billion (8.5%) to RMB 162.427 billion, supported by the group's efforts to expand corporate credit and support the real economy[66] - Retail loans and advances grew by RMB 9.042 billion (10.4%) to RMB 95.632 billion, mainly due to the steady development of personal business loans[72] - Bill discounting increased by RMB 7.663 billion (57.0%) to RMB 21.106 billion, as the group intensified efforts in bill discounting due to its low capital consumption and customer financing costs[73] - Financial investments increased by RMB 2.263 billion (1.5%) to RMB 153.476 billion, primarily due to an increase in debt securities held by the group[76] - Total financial investments amounted to RMB 153.476 billion, with debt securities accounting for 71.9% (RMB 110.427 billion), non-standardized investments for 18.5% (RMB 28.339 billion), and other financial investments for 7.9% (RMB 12.078 billion)[77] - Cash and deposits with central bank decreased by 7.1% to RMB 33.148 billion, primarily due to strategic adjustments in asset structure[78] - Total liabilities increased by 4.0% to RMB 443.287 billion, with customer deposits rising by 9.4% to RMB 377.340 billion[79][82] - Deposits from other financial institutions decreased by 17.2% to RMB 2.232 billion, reflecting adjustments in liquidity management[78] - Borrowings from central bank decreased by 49.4% to RMB 12.841 billion, mainly due to the maturity of existing borrowings[86] - Repurchase agreements increased by 71.9% to RMB 1.700 billion, driven by liquidity management adjustments[87] - Issued debt securities decreased by 8.4% to RMB 28.800 billion, reflecting active management of interbank liabilities[88] - Current deposits from corporate clients accounted for 31.9% (RMB 120.222 billion) of total customer deposits, while personal clients' current deposits made up 7.0% (RMB 26.658 billion)[84] - Fixed-term deposits from personal clients increased to 33.7% (RMB 127.081 billion) of total customer deposits, up from 31.4% in the previous year[84] - Guarantee deposits decreased to 10.6% (RMB 39.894 billion) of total customer deposits, down from 12.5% in the previous year[84] - Total equity of the group increased by RMB 10.03 billion to RMB 364.16 billion, a growth of 2.8% compared to the previous year[90] - The group's off-balance sheet commitments increased by RMB 10.64 billion to RMB 108.18 billion, a growth of 10.9%, primarily due to increases in unused credit card limits and letters of credit[94] - The group's non-performing loan (NPL) balance reached RMB 5.07 billion, with an NPL ratio of 1.82%, up by 0.41 percentage points from the previous year[95] - Normal and special mention loans totaled RMB 274.10 billion, accounting for 98.18% of total loans, while NPLs accounted for 1.82%[98] - Corporate loans and advances increased by RMB 12.75 billion to RMB 162.43 billion, with an NPL ratio of 2.19%, up by 0.62 percentage points[101] - Retail loans and advances increased by RMB 9.04 billion to RMB 95.63 billion, with an NPL ratio of 1.58%, up by 0.24 percentage points[101] - The increase in NPL ratio was mainly due to weakened repayment capacity of some customers affected by the overall economic environment and the pandemic[101] - Manufacturing industry loans amounted to RMB 32.74 billion, accounting for 11.7% of total loans, with a non-performing loan (NPL) rate of 0.53%[102] - Real estate industry loans totaled RMB 25.78 billion, representing 9.2% of total loans, with an NPL rate of 1.94%[102] - Wholesale and retail industry loans reached RMB 24.67 billion, making up 8.8% of total loans, with an NPL rate of 2.73%[102] - Leasing and business services industry loans were RMB 18.53 billion, accounting for 6.6% of total loans, with an NPL rate of 4.10%[102] - Transportation, storage, and postal industry loans stood at RMB 1.91 billion, representing 0.7% of total loans, with an NPL rate of 36.07%[102] - Total corporate loans and advances amounted to RMB 162.43 billion, accounting for 58.2% of total loans, with an NPL rate of 2.19%[102] - Total retail loans and advances were RMB 95.63 billion, making up 34.3% of total loans, with an NPL rate of 1.58%[102] - Mortgage loans totaled RMB 102.80 billion, representing 36.8% of total loans, with an NPL rate of 2.60%[105] - Guaranteed loans amounted to RMB 77.52 billion, accounting for 27.8% of total loans, with an NPL rate of 0.80%[105] - Pledged loans were RMB 54.08 billion, making up 19.4% of total loans, with an NPL rate of 1.90%[105] - The company's loan balance in Jiangxi Province reached RMB 231.41 billion, accounting for 82.9% of the total customer loans and advances, with an increase of RMB 28.19 billion compared to the previous year[110] - The non-performing loan (NPL) balance in Jiangxi Province increased by RMB 699 million, and the NPL ratio rose by 0.11 percentage points, primarily due to weakened repayment capabilities of some customers[110] - The total NPL balance for the company was RMB 5.07 billion, with an NPL ratio of 1.82%, compared to RMB 3.51 billion and 1.41% in the previous year[108] - The company's loan balance in Jiujiang City, Jiangxi Province, was RMB 87.43 billion, an increase of RMB 12.57 billion from the previous year[110] - The total overdue loans amounted to RMB 5.29 billion, accounting for 1.9% of the total customer loans and advances, an increase of RMB 557 million compared to the previous year[118] - The company's loan impairment loss allowance increased by RMB 1.23 billion to RMB 8.76 billion, a 16.3% increase from the previous year[121] - The company's operating income in Jiangxi Province was RMB 9.76 billion, accounting for 89.8% of the total operating income, an increase from 81.6% in the previous year[123] - The company's loan exposure to the top ten single borrowers was RMB 11.81 billion, accounting for 4.24% of the total loans and 27.73% of the company's net capital[114] - Company banking business revenue was RMB 5,049.7 million, accounting for 46.5% of total revenue, a decrease from 49.0% in 2021[124] - Retail banking business revenue increased to RMB 3,113.2 million, accounting for 28.6% of total revenue, up from 28.1% in 2021[124] - Financial markets business revenue grew to RMB 2,626.2 million, representing 24.2% of total revenue, up from 21.2% in 2021[124] - Total operating revenue reached RMB 10,869.9 million, a 5.0% increase from RMB 10,347.5 million in 2021[124] - Capital adequacy ratio decreased to 12.62% in 2022, down 0.59 percentage points from 13.21% in 2021[125][126] - Core tier 1 capital adequacy ratio declined to 7.93% in 2022, down 0.35 percentage points from 8.

Financial Overview - As of December 31, 2022, Bank of Jiujiang had total assets exceeding RMB 470 billion[7]. - The total assets reached RMB 479,703.5 million in 2022, an increase of 3.9% from RMB 461,503.0 million in 2021[19]. - The total liabilities increased to RMB 443,287.3 million, a rise of 4.0% from RMB 426,089.8 million in 2021[19]. - The total equity attributable to shareholders rose to RMB 35,627.6 million, an increase of 2.7% from RMB 34,683.9 million in 2021[19]. - The company's total operating income reached RMB 10.87 billion, a year-on-year increase of 5.0%[30]. - The net profit for the year was RMB 1.68 billion, representing a decline of 5.8% compared to the previous year[32]. Income and Profitability - The net interest income for 2022 was RMB 8,593.6 million, an increase of 1.6% compared to RMB 8,456.5 million in 2021[17]. - The net fee and commission income rose to RMB 841.7 million, reflecting a growth of 21.5% from RMB 692.8 million in the previous year[17]. - Total operating income reached RMB 10,869.9 million, up by 5.0% from RMB 10,347.5 million in 2021[17]. - The pre-tax profit for the year was RMB 2,001.5 million, showing a slight increase of 0.2% compared to RMB 1,998.4 million in 2021[17]. - The net profit attributable to shareholders for the year was RMB 1,615.1 million, a decrease of 6.6% from RMB 1,728.6 million in 2021[17]. - The basic earnings per share decreased to RMB 0.53, down by 26.39% from RMB 0.72 in the previous year[17]. Asset Quality and Risk Management - The non-performing loan ratio increased to 1.82% in 2022, up by 0.41 percentage points from 1.41% in 2021[19]. - The provision coverage ratio decreased to 173.01% in 2022, down by 41.65 percentage points from 214.66% in 2021[19]. - The group's non-performing loan (NPL) balance as of December 31, 2022, was RMB 5.071 billion, with an NPL ratio of 1.82%, an increase of 0.41 percentage points from the previous year[101]. - The increase in the overall NPL ratio was primarily influenced by the economic environment and the impact of the pandemic, which weakened the repayment capacity of some customers[107]. - The group has strengthened risk management performance assessments and increased efforts in the recovery and disposal of non-performing loans[101]. Capital and Liquidity - The capital adequacy ratio was reported at 12.62%, meeting regulatory requirements[30]. - The liquidity coverage ratio significantly dropped to 267.97% in 2022, down by 158.34 percentage points from 426.31% in 2021[20]. - As of December 31, 2022, the liquidity ratio was 63.69%, net stable funding ratio was 130.87%, and liquidity coverage ratio was 267.97%[180]. - The net stable funding ratio increased from 129.44% in 2021 to 130.87% in 2022[180]. Employee and Operational Metrics - The bank operates 281 branches and has a total of 4,967 full-time employees, with an average age of 29.79 years[8]. - The bank's workforce consists of 87.54% with bachelor's and associate degrees, and 12.06% with master's degrees or higher[8]. - Employee compensation expenses for the year ended December 31, 2022, were RMB 1.819 billion, an increase of RMB 0.056 billion or 3.2% year-on-year[57]. Awards and Recognition - In 2022, the bank received multiple awards, including the "Core Dealer" and "Market Innovation Award" in the interbank currency market[10]. - The bank was recognized as the "Best City Commercial Bank" and received multiple awards for its contributions to green finance and digital transformation in 2022[14]. - The bank has been recognized for its contributions to green finance development in Jiangxi Province[10]. Digital Transformation and Innovation - The bank's digital transformation efforts resulted in over 85% of personal loans being processed online as of December 31, 2022[151]. - The bank launched a new version of its mobile banking app, enhancing digital service capabilities and customer engagement[141]. - The bank's investment business saw the proportion of standardized business increase from 74.3% to 79.1%, with bond business rising from 66.6% to 71.9%[145]. Customer and Market Engagement - The number of retail customers increased to 4.8845 million, a rise of 10.77%, with wealth management clients growing by 13.23% to 659,800[142]. - The bank's total transaction volume for acquiring merchants reached RMB 29.69 billion in 2022, with a transaction count of 143 million, reflecting a growth of 57.14%[141]. - The bank's inclusive agricultural loans reached RMB 63.85 billion, an increase of RMB 11.164 billion, representing a growth of 21.19% year-on-year[149]. Strategic Initiatives - The company emphasizes a strategy of "industry + technology + finance" to support the real economy and improve operational efficiency[164]. - The company aims to solidify its customer base and enhance revenue and profit in 2023, focusing on structural adjustments and sustainable development[163]. - The company has implemented a comprehensive credit risk management strategy, maintaining a reasonable non-performing loan ratio through enhanced risk identification and management processes[169].