Core Viewpoint - Jiujiang Bank has received approval from the Jiangxi Financial Regulatory Bureau for amendments to its articles of association, which will take effect from the approval date [1] Group 1 - Jiujiang Bank announced the receipt of a notice from the Jiangxi Financial Regulatory Bureau regarding the modification of its articles of association [1] - The approval number for the modification is 赣金监覆[2025]257号 [1] - The amended articles of association will be effective from December 31, 2025, the date of approval by the Jiangxi Financial Regulatory Bureau [1]

Bank of Jiujiang Co., Ltd.* * 6190 九江銀行股份有限公司 章程 （2025年12月修訂） | 第一章 | | 總則 | 1 | | --- | --- | --- | --- | | 第二章 | 經營宗旨和範圍 | | 3 | | 第三章 | | 股份 | 4 | | | 第一節 | 股份發行 | 4 | | | 第二節 | 股份增減和回購 | 6 | | | 第三節 | 股份轉讓 | 9 | | | 第四節 | 購買公司股份的財務資助 | 11 | | 第四章 | 股東和股東會 | | 12 | | | 第一節 | 股票和股東名冊 | 12 | | | 第二節 | 股東及股東權利 | 17 | | | 第三節 | 股東會的一般規定 | 29 | | | 第四節 | 股東會的召集 | 32 | | | 第五節 | 股東會的提案與通知 | 33 | | | 第六節 | 股東會的召開 | 36 | | | 第七節 | 股東會的表決和決議 | 41 | | | 第八節 | 類別股東表決的特別程序 | 47 | | 第五章 | | 董事會 | 49 | | | 第一節 | 董事 | ...

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.* * 茲提述九江銀行股份有限公司（「本行」）日期分別為2025年8月29日及2025年9月 29日的公告，及日期為2025年9月12日的通函（「通函」），內容包括本行修訂公司 章程及建議不再設立監事會。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。 近日，本行收到國家金融監督管理總局江西監管局（「江西金融監管局」）《江西金 融監管局關於九江銀行股份有限公司修改公司章程的批覆》（贛金監覆[2025]257 號），江西金融監管局已於2025年12月31日核准本行公司章程的修訂，修訂後的 公司章程自江西金融監管局核准之日起生效。 本次修訂後的公司章程全文詳見香港聯合交易所有限公司披露易網站 ( www.hkexnews.hk )和本行網站( www.jjccb.com )。 自修訂後的公司章程獲核准之日起，本行不再設立監事會，由董事會審計委 ...

Core Insights - Jiujiang Bank has launched the "Jiu Yin Shu Lian" supply chain bill platform, becoming the first legal bank in Jiangxi Province to access the Shanghai Bill Exchange's supply chain bill platform and successfully implement business operations [1] - The platform aims to provide comprehensive bill services, including issuance, endorsement, discounting, and maturity processing, specifically targeting small and micro enterprises in the manufacturing sector [1] - The first transaction involved a local small manufacturing enterprise issuing a supply chain commercial bill of 3 million yuan to pay for upstream raw material costs, effectively alleviating short-term funding pressure for small and micro manufacturing enterprises [1] Industry Strategy - Jiujiang Bank is committed to establishing industrial finance as its core long-term strategy, focusing on regional key industrial clusters and continuously improving products and services [2] - The bank aims to enhance the efficiency of supply chain collaboration and service precision through platforms like "Jiu Yin Shu Lian," providing solid financial support for regional industrial upgrades and high-quality local economic development [2]

Core Viewpoint - The article highlights the role of Jiujiang Bank's Guangzhou branch in providing financial support to the agricultural sector through innovative credit products, particularly the "Rural Talent Loan," which addresses the financing challenges faced by farmers and promotes rural revitalization [2][4]. Group 1: Financial Products and Support - Jiujiang Bank's Guangzhou branch has introduced the "Rural Talent Loan" to provide comprehensive credit support for agricultural activities, including seed procurement, feed investment, facility upgrades, and land transfer [2][4]. - The "Rural Talent Loan" has been designed to cater to the unique financial needs of farmers, allowing for quick approval and disbursement of funds without the need for complex collateral [4]. Group 2: Impact on Farmers - Farmers like Mr. Liang, who operates a 60-acre orchard, have benefited from the "Rural Talent Loan," receiving funds within one day, which enabled them to meet critical production timelines [2]. - Mr. Wang, who manages 145 acres of banana fields, successfully obtained a loan within three days, alleviating financial pressures related to land rental and seed procurement, thus allowing for expansion of his operations [4]. Group 3: Overall Financial Support and Growth - As of November 2025, the "Rural Talent Loan" and similar products have provided credit support to 112 farmers, totaling 43.6347 million yuan, covering various agricultural sectors such as fruit and flower cultivation and aquaculture [4]. - The overall agricultural loan balance of Jiujiang Bank's Guangzhou branch reached 1.896 billion yuan, providing a solid financial foundation for local agricultural production and farmer income growth [4]. Group 4: Future Focus and Strategy - Jiujiang Bank's Guangzhou branch aims to continue focusing on the core needs of rural revitalization, enhancing product adaptability and service precision to empower more farmers to expand production and improve management [4].

Core Insights - The People's Bank of China Jiangxi Branch has implemented the fund flow platform as a key initiative to enhance the credit system for small and micro enterprises and deepen inclusive finance [1][2] - Jiujiang Bank Ganzhou Branch actively promotes the application of the fund flow platform to address financing challenges faced by local small and micro enterprises, leveraging data to reshape inclusive financial service models [1][2] Group 1: Fund Flow Platform Implementation - The fund flow platform is utilized to improve the credit system for small and micro enterprises through policy promotion and specialized training [1] - Jiujiang Bank Ganzhou Branch has integrated the fund flow platform into its inclusive finance priorities, optimizing the credit approval process and forming a specialized service team [2] Group 2: Financial Support for Enterprises - A specific case is highlighted where a manufacturing company received a 3 million yuan unsecured credit loan through the fund flow platform, alleviating its financial pressure for raw material procurement and equipment upgrades [1] - As of November 2025, Jiujiang Bank Ganzhou Branch has provided credit support to 258 small and micro enterprises, issuing 996 loans totaling 2.178 billion yuan, with a remaining balance of 1.785 billion yuan [2] Group 3: Future Plans - The bank plans to continue leveraging its advantages to focus on the needs of technology-driven and innovative small and micro enterprises, optimizing platform application processes for more precise data utilization and efficient financial services [2]

Group 1 - The core point of the article highlights that Jiujiang Bank successfully provided a 3 million yuan special loan to a restaurant management company in Jiangxi, alleviating its cash flow difficulties and ensuring stable food supply for primary and secondary schools in Nanchang [2][3] - The student nutrition improvement program is emphasized as a crucial national livelihood project, with food safety and stable supply being key social concerns [2] - The supported restaurant management company has obtained necessary certifications and built a comprehensive operational system, which has led to a good market reputation as it expands its service to more schools [2] Group 2 - Jiujiang Bank quickly formed a special service team to assess the company's situation, confirming that the project aligns with national policies and that the company has stable income and controllable repayment ability [3] - The bank customized a personalized financing plan, ensuring that the loan funds are used specifically for food procurement and delivery, with a closed-loop management system for fund allocation [3] - Jiujiang Bank plans to continue focusing on the education and livelihood sectors, enhancing financial products and services to better meet the needs of school dining and educational infrastructure [3]

Core Viewpoint - The introduction of the "Gan Ke Xin Yi Dai" loan product by Jiujiang Bank represents a significant shift in financing for technology-driven enterprises, allowing them to leverage their technological capabilities and intellectual property for funding without traditional collateral requirements [1][2]. Group 1: Loan Product Overview - The "Gan Ke Xin Yi Dai" product is developed based on the "Science and Innovation Credit Enhancement Project" by the People's Bank of China, aimed at providing financial support throughout the lifecycle of technology enterprises [2]. - This product allows for a scientific assessment of a company's technological innovation capabilities, transforming them into reliable "credit assets" to facilitate easier access to financing for light-asset, high-growth tech companies [2]. Group 2: Implementation and Impact - Jiujiang Bank has successfully implemented the first batch of the "Gan Ke Xin Yi Dai" product, providing nearly 40 million yuan in funding to various technology enterprises in Jiujiang, Xinyu, and Pingxiang by the end of November [3]. - The bank's approach shifts focus from traditional collateral to evaluating companies based on their patents and technological strengths, enhancing the credit limits for qualifying tech firms up to twice their original credit value [2][3]. Group 3: Future Directions - Jiujiang Bank plans to continue enhancing the "Science and Innovation Credit Enhancement Project" and optimize the application scenarios and model design of the credit assessment report to improve service efficiency for small and micro technology enterprises [3].

Core Viewpoint - The capital replenishment of small and medium-sized banks is entering a "sprint period" as they increasingly rely on methods such as capital increase and targeted fundraising to address capital adequacy pressures, with a new wave of capital replenishment accelerating [1][4]. Group 1: Recent Developments in Capital Increases - On December 8, Suzhou Bank announced that its major shareholder, Suzhou International Development Group, would increase its holdings by 44.7 million shares, accounting for 1.00% of the total share capital, between July 1, 2025, and December 5, 2025 [1]. - Hunan Bank has completed its capital increase, receiving approval to raise its registered capital by 1 billion RMB, increasing from approximately 7.75 billion RMB to about 8.75 billion RMB, a nearly 13% increase [3][8]. - Hunan Bank issued 1 billion shares to nine specific entities, raising a total of 4.01 billion RMB, with a net amount of 4.009 billion RMB after deducting issuance costs [3][8]. Group 2: Capital Adequacy and Regulatory Context - As of the end of Q3 2025, the capital adequacy ratio for commercial banks (excluding foreign bank branches) was 15.36%, with tier one capital adequacy at 12.36% and core tier one capital adequacy at 10.87% [4][9]. - The capital adequacy ratios for city commercial banks and rural commercial banks were 12.40% and 13.20%, respectively, which are lower than the average levels of 17.99% for large commercial banks and 13.48% for joint-stock commercial banks [4][9]. Group 3: Role of Local State-owned Capital - Local state-owned capital has become a significant force in the current wave of capital increases among small and medium-sized banks, with Hunan Bank's issuance entirely directed to state-owned entities [10][11]. - The involvement of local state-owned capital not only provides immediate financial support but also contributes to long-term capital generation effects, as local governments often promote such investments [5][11].

Core Viewpoint - The electronic information industry in Jiangxi Province has become a key driver of high-quality economic development, achieving over 1 trillion yuan in revenue for three consecutive years, and forming a collaborative development pattern across the entire industry chain [1] Group 1: Strategic Initiatives - Jiujiang Bank has established industrial finance as a key direction for its long-term strategic transformation, integrating deeply into regional economic development [1] - The bank has created a modern industrial service mechanism that enhances its comprehensive service capabilities for the electronic information industry across the province [2] - A specialized working group for the electronic information industry has been set up to ensure continuous service and effective project management through a closed-loop management mechanism [2] Group 2: Service Innovation - Jiujiang Bank is focusing on the full cycle of financial needs in the electronic information industry, aiming to build a professional and systematic industrial finance service system [3] - The bank has launched a "Digital Transformation Loan" service to support manufacturing enterprises in their digital transformation, addressing challenges faced by companies at L3-L5 levels [3] - As of now, the bank has provided credit support of 72 million yuan to 20 electronic information enterprises in the Ji'an area through the "Digital Transformation Loan" [3] Group 3: Cross-Border Financial Support - Jiujiang Bank is promoting financial products like export T/T financing and exchange rate hedging to support export enterprises facing cash flow challenges due to global economic fluctuations [4] - A specific electronic company in Jiangxi received a 30 million yuan T/T financing limit from Jiujiang Bank to alleviate its funding pressure and ensure timely order delivery [4] Group 4: Future Outlook - By October 2025, Jiujiang Bank aims to deepen its financial support for the electronic information industry, with a total financing balance reaching 5.1 billion yuan [5] - The bank plans to actively integrate into the construction of Jiangxi's modern industrial system, focusing on high-quality development in the electronic information sector [5] - Future initiatives will include creating a unique industrial finance ecosystem in Jiangxi to continuously inject momentum into the development of the electronic information industry [5]