Group 1 - Jiujiang Bank Hefei Branch has signed strategic cooperation agreements with 90 enterprises and served a total of 356 technology-based companies as of December 2024 [1] - The bank is actively supporting high-growth strategic emerging enterprises through flexible and effective financial services [1] Group 2 - Anhui Fuqing Medical Technology Co., Ltd. is developing a new domestic high-field magnetic resonance system, holding four Class III medical device registration certificates [2] - The company faces liquidity pressure due to high R&D costs and long registration cycles, which directly affect the speed of technology transfer [2] - Jiujiang Bank Hefei Branch provided several million yuan in working capital loans to support the company's financing needs [2] Group 3 - Hefei Tongjing Electronics Co., Ltd. has an automated production line with a monthly output of 100 million high-frequency micro-packaged frequency components [3] - The company is a pioneer in the quartz frequency industry with over 30 intellectual property rights and has achieved full-process automation [3] - Jiujiang Bank Hefei Branch customized a light asset financing solution, providing 3 million yuan in working capital loans to enhance the company's production efficiency [3] Group 4 - Chenh航 New Materials Technology Co., Ltd. is a leading enterprise in the aluminum panel industry, with applications in major projects like Beijing Daxing Airport and Shanghai Disneyland [4] - The company has made significant breakthroughs in nano self-cleaning materials and automotive lightweight technology, holding 32 patents [4] - Jiujiang Bank Hefei Branch provided a combination of "specialty industry loans" and working capital loans to support the company's R&D and expansion funding needs [4]

Core Viewpoint - The article highlights the efforts of Jiujiang Bank in promoting green finance and supporting ecological transformation in Jiangxi province, particularly along the Yangtze River Economic Belt, through innovative financial products and services aimed at sustainable development [1][2][3]. Group 1: Green Finance Initiatives - Jiujiang Bank established Jiangxi's first green finance division in 2017 and has since integrated ESG principles into its operations, enhancing its green finance management system [2][3]. - The bank has issued a total of 4.05 billion yuan in carbon reduction loans, resulting in a reduction of 82,187.5 tons of CO2 equivalent emissions [2]. - As of the first quarter of 2025, the bank's green loan balance reached 40.468 billion yuan, accounting for 12.81% of total loans, with an increase of 1.98 billion yuan since the beginning of the year [2]. Group 2: Collaboration and Recognition - Jiujiang Bank is recognized as a leader in green finance in Jiangxi, being the first to join the Hong Kong Green Finance Association and sign the UN Principles for Responsible Banking [3]. - The bank has participated in international forums and conferences, sharing its experiences in green finance while learning from global best practices [3]. Group 3: Focus on Key Areas - The bank has directed green credit towards various ecological projects, including land restoration and water environment management, with a total green loan balance of 4.9 billion yuan for these initiatives [4]. - Jiujiang Bank has partnered with local enterprises to develop flexible financing solutions for the new energy shipbuilding sector, successfully approving a 100 million yuan credit for a local shipping company [4]. Group 4: Innovative Financial Products - The bank has introduced sustainable finance products like "Carbon Effect Loan," linking loan interest rates to companies' carbon emissions performance, thereby encouraging low-carbon practices [6]. - By the first quarter of 2025, the bank had issued 235 million yuan in loans through its innovative products, benefiting 40 small and medium-sized industrial enterprises [6]. Group 5: Commitment to Future Development - Jiujiang Bank aims to continue increasing its green credit offerings, supporting the green, low-carbon, and high-quality development of the Yangtze River Economic Belt [5][6].

Core Viewpoint - Jiujiang Bank showcased its innovative practices in industrial finance at the 2025 China International Financial Expo, emphasizing its role as a pioneer in integrating financial services with industrial development [2][3][4] Group 1: Event Overview - The 2025 China International Financial Expo opened on June 18 at the Shanghai World Expo Exhibition and Convention Center, with Jiujiang Bank being the only invited financial institution from Jiangxi Province [2] - The event featured a forum on "Supply Chain Finance Empowering Local Characteristic Industries," where Jiujiang Bank's president delivered a keynote speech on the role of small and medium-sized banks in building a new ecosystem of industrial finance [2][3] Group 2: Jiujiang Bank's Innovations - Jiujiang Bank presented its theme "Industrial Finance Coexistence, Smart Future," highlighting its comprehensive service platform based on industrial internet and its innovative practices in empowering industrial upgrades [3] - The bank's industrial finance business reached a scale of 59.8 billion yuan by the end of May 2025, serving nearly 5,000 enterprises, while its self-developed comprehensive service platform had a transaction scale exceeding 200 billion yuan, benefiting around 3,000 enterprises [3] Group 3: Strategic Goals - Jiujiang Bank aims to build a first-class industrial internet platform, focusing on regional industrial transformation and upgrading, and promoting high-level collaboration among finance, technology, and industry [3][4] - The bank's mission is to transform from a traditional "fund provider" to an "industrial co-builder," supporting regional economic high-quality development through financial innovation and industrial growth [3]

Core Viewpoint - Jiujiang Bank's targeted services effectively address the funding challenges faced by local enterprises, particularly small and micro businesses, through tailored financial solutions and proactive engagement [1][2]. Group 1: Financial Support Initiatives - Jiujiang Bank's Lakekou branch provided a 1 million yuan (approximately 0.14 million USD) working capital loan to Zhongzuan Precision Technology Co., Ltd. to alleviate its short-term liquidity issues [1]. - The bank has implemented a "thousand enterprises, ten thousand households" outreach initiative to identify and address the financing difficulties of small and micro enterprises in the region [1][2]. Group 2: Customized Financial Products - The bank has developed differentiated service strategies, including the "Science Loan Pass" product, which offers up to 60% guarantee support for local high-tech and small-scale innovative enterprises [2]. - A partnership with the Lakekou County Employment and Entrepreneurship Service Center has been established to provide "Heart-to-Heart" entrepreneurial guarantee loans to specific groups, including unemployed individuals and veterans, thereby reducing overall financing costs through interest subsidies [2]. Group 3: Future Plans and Goals - Jiujiang Bank's Lakekou branch aims to continue its commitment to serving the local economy and small enterprises, leveraging the "thousand enterprises, ten thousand households" initiative to enhance financial resource allocation to county-level economic development [2].

当前，九江市武宁县正加快构建"1+3+2"六大绿色生态产业体系，其中智能家居产业已初步形成集群效 应。为助力当地智能家居产业"强龙头、补链条、聚集群"，今年5月，九江银行组织服务专班，对武宁 县智能家居产业链展开深入调研。 江西某家居有限公司是国内橡胶木指接板生产领域的头部企业，其生产原料主要为从泰国进口的橡胶 木。受行业影响，企业采购需采取"先款后货"模式，叠加进口木材货运周期长，以及泰国原料木材减产 导致的价格上涨等因素，企业存货规模持续攀升，营运资金周转压力加大。 转自：新华财经 近日，九江银行创新产业金融服务模式，成功为江西某家居有限公司新增授信额度5000万元，并发放首 笔500万元贷款。 作为九江地区首单进口木材抵押业务，九江银行武宁支行以金融云仓为载体，引入第三方供应链服务机 构，将在库木材纳入浮动抵押范畴，有效缓解企业流动资金压力，成为九江银行探索服务产业发展的又 一里程碑。 了解到企业常规抵押物不足、信用类授信额度有限，九江银行为该企业量体定制金融服务方案。该方案 利用金融云仓，将企业在库木材纳入浮动抵押范畴，建立动态评估机制，定期对抵押木材价值和企业资 信状况进行双重评估，并根据在库抵押木 ...

Core Insights - The article highlights the innovative transformation of Jiujing Daye Animal Husbandry Co., Ltd. in the black goat farming sector, supported by financial services from Jiujing Bank, focusing on green and intelligent agricultural practices [1][2][3] Group 1: Company Overview - Jiujing Daye Animal Husbandry is a national-level standardized demonstration base for livestock breeding, specializing in black goat breeding, ecological farming, and waste resource utilization, covering over 260 acres [2] - The company has a sales volume of 19,876 black goats and an annual output value of 60 million yuan [2] - The innovative farming model includes "high bed farming + underground fermentation + intelligent ventilation," resulting in no odor in the goat houses and low-cost waste treatment, converting approximately 1,568 tons of organic fertilizer annually [2] Group 2: Financial Support and Impact - Jiujing Bank provided a tailored financial service plan, issuing a 3 million yuan agricultural transformation special loan within three working days, marking the first loan in the livestock sector that considers carbon reduction potential and agricultural collaboration [1][2] - The financial support from Jiujing Bank has significantly reduced financing costs, allowing the company to focus on technology research and market expansion [2] - The company is actively enhancing the "company + cooperative + farmer" model, training an average of 500 farmers annually, thereby increasing local income and supporting the black goat industry in Xiushui County [2] Group 3: Industry Transformation - The collaboration between Jiujing Bank and Jiujing Daye Animal Husbandry serves as a replicable model for promoting the green, industrialized, and intelligent development of traditional farming in the region [3]

江西某钢结构企业负责人感慨："过去承接大型项目总担心资金链断裂，现在通过九江银行的专项产 品，我们从采购钢板到完成工程验收全程有资金保障，还能灵活应对不同项目的结算周期，真正实现了 轻装上阵！" 本报讯 （记者曹琦）近年来，九江银行南昌分行坚持党建引领，将党支部堡垒建在普惠金融服务一 线，以"千企万户大走访"专项行动为载体，精准对接企业需求，持续推动普惠金融高质量发展，做深做 精普惠金融大文章。截至一季度末，九江银行南昌分行走访企业近3200户，普惠小微贷款余额突破70亿 元。 下一步，九江银行南昌分行将始终坚持党建引领，努力将党建优势转化为发展优势，以党建联建、党员 志愿服务队等多种方式，进园区、进企业开展常态化走访调研，了解中小微企业的经营冷暖和所期所 盼，针对性地解决融资过程中的痛点难点，用更大力度、更实举措做好普惠金融大文章，加力助推传统 企业向新发展向上突破。 日前，九江银行南昌分行工作人员在走访南昌市进贤县某钢结构企业时了解到，因下游企业资金波动， 应收账款迟迟未能收回，导致企业无法支付原材料货款。针对这一钢结构中小企业普遍面临的痛点问 题，分行党委高位统筹，迅速成立党员攻坚小组，创新推出钢结构产 ...

Group 1 - Jiujiang Bank Pingxiang Branch has provided a total of 582 million yuan in loans for seed production and planting industries, serving 91 farmers and enterprises, demonstrating its commitment to supporting agriculture [1] - The bank's customer manager facilitated a 200,000 yuan "Easy Guarantee Loan - Operating Loan" for a large-scale farmer during the busy spring farming season, showcasing the bank's proactive service approach [1] - The branch has established a "Spring Farming Service Team" to provide on-site financial services, utilizing mobile terminals for "on-site application and instant approval" to meet the urgent needs of farmers [1] Group 2 - Jiujiang Bank actively supports the transformation and upgrading of the seed industry, providing 240 million yuan in project loans to Changsheng Holding Group for the construction of a modern seed industry base [2] - The project will cover an area of 215,000 square meters and include a modern seed industry research and development base, leisure tourism base, and supporting infrastructure, promoting collaboration in the seed industry [2] - The bank's efforts contribute to ensuring national food security and advancing agricultural modernization, reinforcing its mission to serve agriculture [2] Group 3 - Pingxiang has become a significant hub for hybrid rice seed production, with an average annual seed production area exceeding 300,000 acres and contributing nearly 20% of the national seed supply [4] - The city holds 85% of the national southern hybrid rice seed production area, highlighting its critical role in China's agricultural landscape [4]

转自：新华财经 九江银行坚定转型步伐，精细经营管理，提升战略执行力，走出了一条差异化、特色化发展路径。如何 坚持"党建领行"，如何做好金融"五篇大文章"？近日，九江银行党委书记、董事长周时辛围绕这几方面 内容与网友分享了自己的观点。 主持人：新一届行党委成立以来，九江银行发展态势稳健，成效明显，具体体现在哪些方面？ 周时辛：新一届行党委成立以来，九江银行深刻把握金融工作的政治性、人民性，加强精细化管理，持 续推进优结构、节资本、促合规、控不良、稳增长。主要体现在以下几方面： 一是聚焦党建领航，"进"的动能持续增强。九江银行将党的政治优势、组织优势转化为发展优势，严格 落实"第一议题"制度，开展"书记领航"重点工程，完善党建和业务联动互促工作机制，打造"九久红 银"党建品牌，创新推出"党建链引领产业链"模式。 二是聚力固本培元，"稳"的基础逐步夯实。坚持稳中求进工作总基调，推动量的合理增长和质的有效提 升。至2024年末，全行资产总额同比增长2.5%至5164.59亿元，客户贷款及垫款总额同比增长6.4%至 3208.35亿元，负债总额同比增长2.4%至4739.26亿元，其中客户存款总额3869.64亿元；营 ...

Company Overview - The registered capital of Bank of Jiujiang Co., Ltd. is RMB 2,847,367,200[5]. - As of the reporting period, the bank has 5,773 full-time employees, with an average age of 30.34 years[6]. - The bank has established a total of 20 village and town banks, enhancing its regional coverage[6]. - The company has established 20 rural banks, controlling 18 of them, with total assets of RMB 170.20 billion and total loans of RMB 98.83 billion as of the reporting period[159]. Awards and Recognition - The bank achieved recognition as a "Top 100 Self-Settlement Institutions" in 2023 by the Central Government Bond Registration and Settlement Co., Ltd.[8]. - The bank received multiple awards in January 2024, including the "2023 Mobile Payment Promotion Award" and "2023 Business Innovation Award" for its outstanding performance in mobile payment and credit card business[7]. - The bank's project "New Generation Fully Online Industrial Financial Platform" won the third prize in the "2022 Financial Technology Development Award," being the only city commercial bank in Central China to receive this honor[7]. - The bank was recognized as the "Best Digital Financial Small and Medium Bank" at the 12th Small and Medium Bank Development Summit Forum in July 2024[9]. - The bank received the "Outstanding Wealth Management City Commercial Bank" award in October 2024[10]. - The bank's "Smart Ranch Project" was recognized as an excellent case in financial innovation in December 2024[11]. - The bank's credit risk early warning system was awarded for risk management innovation in December 2024[11]. - The bank has been recognized as a top 100 self-operated settlement institution for seven consecutive years since 2018[12]. - The company received multiple awards, including "Outstanding Asset Management City Commercial Bank" and "Annual Growth City Commercial Bank" in 2024, reflecting its strong market recognition[143]. 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 the previous year[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[16]. - Total assets reached RMB 516,458.6 million, an increase from RMB 503,849.2 million in 2023, marking a growth of 1.22%[17]. - Net customer loans and advances amounted to RMB 311,947.8 million, up from RMB 293,410.2 million in 2023, reflecting a growth of 6.67%[17]. - The liquidity coverage ratio decreased to 394.39% from 448.64% in 2023, indicating a tighter liquidity position[17]. - The total customer loans and advances reached RMB 320.83 billion, reflecting an increase of RMB 19.21 billion or 6.4% year-on-year, driven by stable growth in corporate loans and an increase in bill discounting business[71]. Risk Management - The bank's provision coverage ratio improved to 154.25% compared to 153.82% in 2023, showing enhanced risk management[17]. - The non-performing loan ratio increased to 2.19% from 2.09% in 2023, indicating a slight deterioration in asset quality[17]. - The company has established a comprehensive risk control system, emphasizing professional team building and clear control plans[145]. - The company is enhancing its risk management capabilities by building a credit risk monitoring system and improving post-loan management quality[168]. - The company has implemented a comprehensive country risk management system to monitor and manage exposure to geopolitical and economic changes[170]. Digital Transformation and Innovation - The bank's RFID composite smart safe project won the "Outstanding Case Award for Scene Financial Innovation" in January 2024[7]. - The company is advancing digital finance initiatives, including the launch of "Digital Transformation Loan" and the establishment of an AI model ecosystem[20]. - The bank implemented a digital transformation strategy, achieving 86% of business contracts signed online, significantly improving operational efficiency[135]. - The digital transformation platform achieved a total credit amount exceeding RMB 42.28 billion by the end of 2024, enhancing the company's digital support capabilities[146]. - The AI model platform "Jiuyin 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[157]. Customer and Market Focus - The bank allocated 88.2% of corporate loans to small and micro enterprises, emphasizing support for local economic development[21]. - The consumer finance business aims to enhance consumption potential and support local economic development, focusing on innovative scenarios and a multi-tiered consumer credit system[140]. - The bank's retail banking business focused on enhancing service quality and efficiency, with a strong emphasis on supporting small and micro enterprises[138]. - The company has developed specialized financial service solutions for 27 industry scenarios, focusing on supply chain finance and industry-specific needs[144]. Shareholder Structure - As of December 31, 2024, the total issued share capital of the company is 2,847,367,200 shares, comprising 2,365,000,000 domestic shares and 482,367,200 H shares[190]. - The proportion of state-owned shares is 48.80%, with a slight increase of 0.46% from the previous year[192]. - The top ten domestic shareholders hold a total of 1,632,987,590 shares, accounting for 57.35% of the total issued share capital[194]. - The company has no controlling shareholder as of the reporting period[199]. - The Jiujiang Finance Bureau and Beijing Automotive Group have been identified as significant shareholders with influence over the company's management[199].