21世纪经济报道记者 庞成 广州报道 日前，港股上市银行九江银行（6190.HK）发布2024年业绩报告。 九江银行称，2024年该行围绕"坚定转型步伐，精细经营管理，全面提升战略执行力"发展主题，坚 守"服务地方经济、服务中小企业、服务城乡居民"市场定位，整体经营管理稳中有进。 报告显示，该行实现营业收入103.88亿元，实现净利润7.62亿元，分别同比增长0.29%、2.16%，相较 2023年营收、净利双双出现同比负增长，显现出该行业绩止跌回稳。截至期末，该行资产总额为 5164.59亿元，同比增长2.50%。不良贷款率2.19%，拨备覆盖率154.25%，资本充足率13.17%。 此外，该行董事还建议以每10股0.57元派发2024年年度现金股息，合计派发1.62亿元，占合并后归属该 行普通股股东净利润的21.80%。 营收、利润增速"止血" 此外，该行营业费用亦有所增加，营业费用36.34亿元，同比增加2.27亿元，增幅为6.7%，主要是职工 薪酬费用、一般及行政费用的增加。 不良率攀至近五年最高 从资产端来看，截至2024年末，九江银行资产总额为5164.59亿元，较上年末增加126.09亿元，增 ...

Financial Performance - Net interest income for 2024 reached RMB 9,170.6 million, an increase from RMB 8,289.0 million in 2023, representing a growth of 10.65%[16]. - Total operating income for 2024 was RMB 10,388.4 million, slightly up from RMB 10,358.4 million in 2023, indicating a marginal increase of 0.29%[16]. - The net profit for the year 2024 was RMB 761.5 million, compared to RMB 745.4 million in 2023, reflecting a growth of 2.83%[16]. - The basic earnings per share for 2024 was RMB 0.14, consistent with RMB 0.15 in 2023, showing a decrease of 6.67%[16]. - The average return on total assets for 2024 was 0.15%, unchanged from 2023[16]. - The core tier 1 capital adequacy ratio improved to 9.44% in 2024 from 8.64% in 2023, an increase of 0.80 percentage points[16]. - The cost-to-income ratio for 2024 was 33.68%, up from 31.56% in 2023, indicating a rise of 2.12 percentage points[16]. - The company achieved operating revenue of RMB 10.388 billion and net profit of RMB 0.762 billion for the year ending December 31, 2024[22]. Awards and Recognition - The bank received multiple awards in January 2024, including the "2023 Outstanding Participating Institution Award" for its contributions to the digital supply chain financial service platform[7]. - The bank was recognized as a "Top 100 Self-Settlement" institution for 2023 by the Central Government Bond Registration and Settlement Co., Ltd.[8]. - The bank won the "2023 Mobile Payment Promotion Award" and "2023 Business Innovation Award" for its performance in mobile payment and credit card services[7]. - The bank received multiple awards in 2024, including "Best Digital Financial SME Bank" and "Best Industry Financial Innovation Bank"[10]. - The bank's credit risk early warning system was recognized as an excellent case in risk management innovation[11]. - The bank's project "Digital Carbon Integration" won the second prize for green finance in a competition with 99 entries[12]. Staffing and Operations - As of the reporting date, the bank employed 5,773 full-time staff, with an average age of 30.34 years, and 87.03% holding undergraduate or associate degrees[6]. - The bank has achieved full coverage in all prefecture-level cities in Jiangxi Province through its 13 branches and 263 sub-branches[6]. - The bank has established 20 rural banks, enhancing its regional presence and service offerings[6]. - The bank's registered address is located at 619 Changhong Avenue, Lianxi District, Jiujiang City, Jiangxi Province, China[5]. Asset and Liability Management - Total assets reached RMB 516.459 billion in 2024, up from RMB 503.849 billion in 2023, representing a growth of 1.22%[17]. - Total liabilities rose to RMB 473.926 billion in 2024, compared to RMB 462.893 billion in 2023, marking an increase of 2.23%[17]. - The liquidity coverage ratio decreased to 394.39% in 2024 from 448.64% in 2023, indicating a tighter liquidity position[17]. - The company maintained a leverage ratio of 7.06% in 2024, slightly down from 7.12% in 2023[17]. - The single largest customer loan ratio decreased to 0.89% in 2024 from 0.99% in 2023, indicating improved risk management[17]. Loan and Credit Management - Customer loans and advances net amount increased to RMB 311.948 billion in 2024, up from RMB 293.410 billion in 2023, reflecting a growth of 6.25%[17]. - The non-performing loan ratio increased to 2.19% in 2024 from 2.09% in 2023[17]. - The provision coverage ratio slightly improved to 154.25% in 2024 compared to 153.82% in 2023[17]. - The total amount of corporate loans and advances was RMB 199.24 billion, up RMB 16.96 billion or 9.3% year-on-year, driven by an increase in corporate credit[71]. - The total amount of retail loans and advances reached RMB 89,391 million, a decrease from RMB 97,719.9 million as of December 31, 2023, representing a decline of 8.5%[77]. Risk Management - The company is focused on risk management, with a comprehensive structure involving the board of directors and various committees to oversee risk strategies and policies[158]. - Credit risk is primarily associated with loans, investments, guarantees, and other credit exposures, highlighting the company's focus on managing these risks effectively[159]. - The company has established a comprehensive market risk management system, focusing on interest rate and exchange rate risks, and has implemented stress testing to measure potential losses under various scenarios[163]. - The company is enhancing its risk management capabilities by building a credit risk monitoring system and improving post-loan management quality through digital risk control initiatives[164]. Digital Transformation and Innovation - The company has implemented a digital transformation strategy, focusing on five core areas, including digital financial services and risk control capabilities[153]. - The AI model platform "Jiu Yin Brain" has been developed, learning from 23,000 FAQs and over 1,300 documents, with over 6,500 users and applications in more than 30 business scenarios[153]. - The company has actively promoted digital transformation, launching a specialized credit scheme "Digital Transformation Loan" in the local copper industry[142]. - The company has developed a multi-level consumer credit system, focusing on core products like "New Enjoy Loan" to meet diverse financial needs[136]. Compliance and Regulatory Management - The company has established a compliance risk management framework involving multiple governance bodies, including the board of directors and compliance management committee[174]. - Compliance risk management measures include the implementation of regulatory opinions and continuous improvement of compliance mechanisms[175]. - The company has enhanced its compliance management by establishing a full-process compliance management system, focusing on pre-emptive risk control measures[176]. - In 2024, the company reported a significant increase in anti-money laundering efforts, with 269 cases of abnormal account openings and 199 cases of telecom fraud intercepted, amounting to over RMB 19.4 million in illegal funds blocked[179].

以人民为中心，优化金融服务九江银行始终学习雷锋干一行爱一行、专一行精一行的敬业精神，坚持客 户优先理念，深化"我为群众办实事"实践活动。 通过优化网点布局、丰富产品供给，有效提升金融服务质效。 通过下沉金融服务，设立普惠金融服务站，成立"赣金红盾"小九金融志愿者服务队，走进大街小巷，直 接联系群众，通过金融与产销帮扶等增值服务，精准服务千家万户。 在营业网点设立雷锋志愿服务站和爱心驿站，重视各类社会群体的个性化需求，配备无障碍设施，组织 员工学习急救知识，配备AED（自动体外除颤器）急救设备。 同时，推动金融适老化改造，推出"关爱版"手机银行界面，组织志愿者为高龄老人上门办理业务。 九江银行作为一家根植红土地、心系百姓的金融机构，长期以来，胸怀"国之大者"、秉承"金融为民"理 念，深刻领悟雷锋精神的时代内涵。 全行干部员工立足岗位学雷锋，努力以雷锋式服务鲜活诠释"螺丝钉精神"。 该行不仅以金融服务助力经济发展，还积极投身各类公益事业，开展形式多样的志愿服务活动。 服务实体经济，践行金融使命九江银行聚焦主责主业，将学雷锋活动与服务实体经济、助力小微企业发 展相结合，充分发挥金融杠杆作用，深耕普惠金融，拓宽金融服 ...

九江银行锚定"走在前、勇争先、善作为"的目标要求,以实际行动践行金融使命,推动产业金融战略的创 新实施。 聚焦金融领域的"五篇大文章",九江银行通过建强"党建链"带动"产业链"协同发展,紧密围绕地方经济发 展和产业结构升级的实际需求,以"从金融中来、到产业中去"为工作主线,大力推进"一链一策""一群一 策"的精准服务模式。 在服务模式上,九江银行探索"产业+科技+金融"的创新路径,积极投身重点产业领域的强链、延链、补链 工作,通过创新金融产品和服务,为区域产业升级提供有力支撑,加快建立产业与金融间的关键"枢纽",推动 金融与产业的深度融合,为实体经济的高质量发展注入新的活力。 牢记使命嘱托,凝聚转型发展动力。 九江银行党委将自身的发展战略与省委、市委的发展目标紧密相连,聚焦区域产业发展之路,率先实施新 质金融强基工程,融合科技金融、绿色金融、普惠金融、数字金融、养老金融多元化创新要素,全方位整 合产业资源、政策资源、金融资源,建立金融与产业的协同互动机制。 聚焦九江航运中心建设,协同搭建智慧航运数字平台,为货主、船主、承运企业提供涵盖公司金融、个人 金融、整圈授信全景金融服务,支持长江沿岸航运产业发展"上云上 ...

九江银行锚定"走在前、勇争先、善作为"的目标要求，以实际行动践行金融使命，推动产业金融战略的 创新实施。 强化战略引领，激发数字经济动能。 九江银行始终坚持金融服务实体经济，以产业数字化为抓手，构 建产业链全景业务体系，深挖数字资产价值。近年来，九江银行提速融入制造业强省建设大局，与工信 厅、科技厅、数字担保公司等开展金融赋能制造业的多元合作，推出"特色产业贷""九银数转贷""九银 数智贷""九银科企融"等金融产品，赋能科技型企业、专精特新企业、映山红企业等制造业转型"标 杆"获得强劲金融支撑。聚焦鹰潭铜产业数智化转型场景，九江银行抽调党员业务骨干，成立由总分 支、行内外联动的"数转"服务专班，推出并落地江西省首个数字化转型专项金融方案—"数转贷"，全面 落实"一链一策""一企一策"工作要求，协同实现制造业企业"会转、想转、敢转"。 近年来，九江银行依托党建引领推动产业金融发展取得显著成效。截至2024年底，九江银行聚焦江西 省"1269"行动计划投放信贷资源超过500亿元，聚焦九江市"9610"工程领域投放信贷资源超过100亿元， 完成电子信息、有色金属、钢铁等27个产业金融专项服务产品方案，授信户数500 ...

为切实履行金融服务实体经济、保障社会民生需求、促进区域高质量发展的使命，近年来，九江银行上 饶分行不断扩展普惠金融服务的渠道，通过聚焦中小企业客户，打造特色金融产品，持续提升服务小微 客户的能力。 分行各网点还建立了由党员带队的金融为民服务队，为客户提供一站式、全方位的金融服务支持，帮助 客户解决融资难、融资贵等问题。 截至2024年9月末，上饶分行普惠小微贷款余额35.22亿元，较上年末新增4.19亿元。 聚焦中小企业客户，解决核心需求"两年前，我们企业刚到上饶市余干县站住脚跟，急需资金支持时， 是九江银行主动上门提供了金融支持。 如今我们发展逐步稳定，非常感谢九江银行当初给予我们的帮助！ "回忆起和九江银行合作的经历，江西某科技有限公司负责人感激道。 据了解，江西某科技有限公司是上饶市余干县汽摩配产业集群的一家重大项目企业。 汽摩配产业集群是余干高新区的首位产业集群、当地经济发展的核心增长极，于2023年被认定为省级特 色产业集群，在2023年实现营业收入56.7亿元、同比增长31.8%。 江西某科技有限公司以轮毂制造为主导产品，广泛运用于国内外先进汽车及摩托车制造厂，远销美洲、 欧洲、东南亚等十余个国家 ...

Capital and Employee Information - The registered capital of Jiujiang Bank is RMB 2,847,367,200[6]. - As of the end of the reporting period, Jiujiang Bank had 5,478 full-time employees, with an average age of 30.26 years[9]. Awards and Recognition - Jiujiang Bank received multiple awards in January 2024, including the "2023 Outstanding Participating Institution Award" from the People's Bank of China[10]. - The bank was recognized as a "Top 100 Self-Settlement Institutions" for the year 2023, marking its sixth consecutive year of receiving such awards[12]. - Jiujiang Bank's digital certification service standard was awarded the "Leader" certificate in 2023 by the National Financial Standardization Research Institute[13]. - The bank was honored as the "Best Industry Financial Innovation Bank" at the 2024 Future Transaction Banking International Summit[13]. - Jiujiang Bank achieved a significant increase in mobile payment and credit card business, winning multiple awards for its performance in 2023[10]. Financial Performance - For the six months ended June 30, 2024, the company reported a net interest income of RMB 4,510.4 million, an increase of 9.2% from RMB 4,128.6 million in the same period of 2023[16]. - The company's total operating income for the same period was RMB 5,500.5 million, up 4.6% from RMB 5,255.4 million year-on-year[16]. - The net profit attributable to shareholders for the first half of 2024 was RMB 553.9 million, a decrease of 40% compared to RMB 922.1 million in the first half of 2023[16]. - The company's basic earnings per share for the period was RMB 0.08, down from RMB 0.24 in the previous year, reflecting a 66.7% decline[16]. - The average return on total assets decreased to 0.24% from 0.39% year-on-year, indicating a decline in profitability[16]. - The non-performing loan ratio increased to 2.57% from 2.09% at the end of 2023, suggesting a deterioration in asset quality[18]. - The company's total assets as of June 30, 2024, were RMB 497,839.9 million, down from RMB 503,849.2 million at the end of 2023[18]. - The capital adequacy ratio improved to 13.15% from 12.01% at the end of 2023, indicating a stronger capital position[18]. Risk Management and Asset Quality - The company has focused on enhancing risk control capabilities and has increased provisions for asset impairment losses during the reporting period[26]. - The total asset impairment loss for the group was RMB 3.4622 billion, an increase of RMB 655.8 million year-on-year, reflecting a more prudent approach to asset impairment provisions[67]. - The group increased its impairment loss provisions to RMB 12.28 billion as of June 30, 2024, up from RMB 9.68 billion at the end of 2023[144]. - The bank aims to enhance risk management by building a three-dimensional risk management system and implementing automated warning mechanisms for credit risk[196]. - The bank's risk management framework includes a comprehensive structure from the board of directors to functional departments, ensuring effective oversight and evaluation[194]. - The bank is focusing on cultivating a prudent and proactive risk management culture within its operations[198]. Customer Loans and Advances - The total amount of customer loans and advances was RMB 3.13574 trillion, an increase of RMB 119.5 billion or 4.0% year-on-year, mainly due to stable growth in corporate loans[78]. - The total amount of corporate loans and advances was RMB 1.99272 trillion, an increase of RMB 169.89 billion or 9.3% year-on-year, attributed to the group's active expansion of corporate credit[81]. - The net amount of customer loans and advances was RMB 3.030349 trillion, representing 60.9% of total assets, up from 58.3% at the end of the previous year[76]. - The retail loans and advances totaled RMB 921.18 billion as of the reporting period end[86]. - The total amount of overdue loans reached RMB 11.92 billion, accounting for 3.8% of total customer loans and advances[140]. Deposits and Liabilities - The group's customer deposits totaled RMB 365,047.3 million as of June 30, 2024, with time deposits accounting for 58.6% and demand deposits for 29.7%[102]. - The group's total liabilities were RMB 456,041.9 million as of June 30, 2024, a decrease of 1.5% from RMB 462,892.7 million at the end of 2023[98]. - The average balance of customer deposits was RMB 368,478.8 million, with an average interest rate of 2.20%, down from 2.56% in the previous year[29]. Strategic Focus and Development - The company aims to continue supporting local economic development and small and medium-sized enterprises as part of its strategic focus[25]. - The bank's strategy for 2024 emphasizes local service, supporting small and micro enterprises, and aligning with regional economic development[193]. - The bank has established partnerships with multiple wealth management subsidiaries to enhance deposit scale and wealth management product advantages[162]. - The bank's focus on inclusive finance led to the addition of 12 clients with loans under RMB 3 million, totaling RMB 200 million in new loans in the first half of 2024[188]. Innovation and Technology - The bank has launched innovative services such as "same application for card and loan" and "real-time card issuance" to enhance customer experience[167]. - The mobile banking service has been upgraded to create a comprehensive online service platform, integrating local life service resources[163]. - The cumulative loan amount reached RMB 10.56 billion by June 2024, following the successful launch of the digital transformation platform in January 2024[174]. Environmental and Social Responsibility - The bank is committed to green finance and has joined the Carbon Accounting Financial Alliance (PCAF) to support sustainable development initiatives[187]. - The bank supported 11 carbon reduction projects, resulting in a cumulative carbon reduction loan issuance of RMB 405 million, leading to an annual reduction of 82,200 tons of CO2 equivalent[185].

Financial Performance - For the first half of 2024, the company achieved operating income of RMB 5.50 billion, an increase from RMB 5.26 billion in the same period of 2023, representing a growth of approximately 4.65%[14]. - The net profit for the period was RMB 592.2 million, down from RMB 944.3 million in the first half of 2023, indicating a decline of about 37.3%[14]. - The net interest income rose to RMB 4.51 billion, compared to RMB 4.13 billion in the previous year, reflecting an increase of approximately 9.25%[14]. - The company reported a cost-to-income ratio of 26.60%, slightly up from 26.38% in the previous year, suggesting a marginal increase in operational efficiency[14]. - The average return on total assets decreased to 0.24% from 0.39% in the same period last year, reflecting a decline in profitability[14]. - The group achieved a net profit of RMB 592.2 million for the reporting period, a decrease from RMB 944.3 million in the previous year, representing a decline of 37.2%[25]. - The group reported a pre-tax profit of RMB 521.3 million, down from RMB 1,010.7 million in the previous year, reflecting a significant decrease of 48.3%[25]. Asset and Loan Management - The total assets as of June 30, 2024, were RMB 497.84 billion, a decrease from RMB 503.85 billion at the end of 2023[16]. - The total customer loans and advances reached RMB 313.57 billion, an increase of RMB 11.95 billion or 4.0% compared to the end of 2023, driven by stable growth in corporate loans[75]. - The total amount of corporate loans and advances reached RMB 199.27 billion, an increase of RMB 16.99 billion, or 9.3%, compared to the end of the previous year[78]. - The total amount of retail loans for housing mortgages was RMB 31.07 billion, representing 33.7% of the total retail loans[85]. - The total overdue loans amounted to RMB 11.92 billion, representing 3.8% of the total customer loans and advances[137]. - The provision for loan impairment losses increased to RMB 12.28 billion as of June 30, 2024, up from RMB 9.68 billion at the end of 2023, reflecting a prudent approach[141]. Risk Management - The bank's risk management framework includes a board of directors, senior management, and various committees, ensuring comprehensive risk oversight and accountability[191]. - The bank is committed to improving its credit risk management culture, focusing on accountability and enhancing credit approval capabilities[195]. - The bank has established a comprehensive country risk management system to monitor and manage exposure to geopolitical and economic changes[198]. - The bank plans to deepen its digital risk control system, promoting standardized and digitized credit management processes[199]. - The bank's risk management department is responsible for leading credit risk management and ensuring compliance with established policies and procedures[194]. Awards and Recognition - The bank received multiple awards in January 2024, including the "2023 Outstanding Participating Institution Award" from the People's Bank of China[8]. - The bank was recognized as a "Top 100 Self-Operated Settlement Institutions" for the year 2023[10]. - The bank's mobile payment and credit card business received multiple honors, including the "2023 Mobile Payment Promotion Award"[8]. - The company was recognized as the "Best Digital Financial SME Bank" at the 2024 Summit on the Development of Small and Medium-sized Banks[11]. Strategic Focus - The company aims to continue focusing on serving local economies and small and medium-sized enterprises as part of its strategic direction[23]. - The bank maintains a market positioning focused on serving local economies, small and medium enterprises, and urban-rural residents, emphasizing transformation and integration with regional development[190]. - The bank's strategy includes a focus on adjusting the structure of interbank liabilities and enhancing the issuance scale of negotiable certificates of deposit[106]. Operational Efficiency - The group implemented measures to reduce operational costs and financial burdens on consumers, in line with national policies[34]. - The operating expenses for the period were RMB 1.52 billion, an increase of RMB 74 million or 5.1% year-on-year, attributed to rising employee compensation, depreciation, and administrative expenses[60]. - The bank's focus on technology and green finance is part of its strategy to enhance operational efficiency and risk management through data-driven approaches[185].

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 ...