下一步，九江银行表示将持续推进"数字金融+产业金融"协同，通过创新金融服务体系与业务模式，持 续释放产业数字潜能，为产业数字化转型注入强劲动力。 数智驱动，助推产业转型新实践。九江银行积极衔接全省制造业转型政策，深度参与赣州钨和稀土产业 大脑、德安纺织产业大脑等多个区域级产业大脑建设。围绕制造业企业"提级"场景与产业大脑、互联网 园区等"产业数字平台"建设，推出并落地江西省首个数字化转型领域金融方案——"数转贷"，助力实 现"会转、想转、敢转"。九江恒通自动控制器有限公司是九江的一家制造业企业，数字化评级为L6。在 得知该企业存在智能化改造资金需求后，九江银行迅速响应，为其开辟绿色服务通道，一周内完成贷款 审批，并同步联动九江经开区经济发展局完成补贴资格认定，成功为企业发放"数转贷"专项贷款557.23 万元，帮助企业降低了70%的综合成本。 近年来，九江银行聚焦"产业+政策+金融+科技"战略发展理念，以客户需求为导向，以提高产业链供应 链运转质效为目标，以数字赋能与过程管控为抓手，持续推动产业数字金融发展，奋力写好数字金融大 文章。 数智引领，构建产业升级新生态。"链主+平台"作为江西省"1269"行动计划 ...

"当前全行正处于爬坡过坎、转型升级的关键阶段"，尽管业绩止跌回稳，周时辛依旧在九江银行2025年 经营工作会议中明确强调。2024年末，九江银行不良贷款率2.19%，据wind数据不良率攀升至近十年最 高；逾期贷款94亿，同比增加47.4%，依旧暴露出这家千亿资产城商行在复杂经济环境下的深层挑战。 作为九江银行掌舵者，周时辛曾是深耕对公业务的"农行老将"，肖璟则是出身工行的技术专家，两位将 如何以"金融基因+科技基因"重构九江银行发展逻辑，带领九江银行从"止血"到"造血"？ "临危受命"新组合 2022年2月，九江银行原董事长刘羡庭到龄退休，此前有媒体报道称，该行前任行长潘明或将升任董事 长。 在外界看来，潘明是伴随九江银行一路成长起来的行长，2013年担任九江银行行长后，推动了该行资产 规模扩张及上市，对该行作出了不小贡献。2022年，潘明年仅47岁，年富力强；九江银行总资产十年间 从不足千亿到逼近五千亿，势头正好。 让外界感到意外的是，九江银行在宣布刘羡庭辞任董事长同时，解聘了潘明行长职务；副行长兼首席信 息官肖璟升任行长。2023年5月，周时辛从农行"空降"至九江银行担任党委书记，此后接任九江银行董 事 ...

日前，港股上市银行九江银行发布公告称，该行拟于5月6日召开临时股东大会，其中将审议关于九银村 镇银行改革总体方案的议案，根据该方案，该行拟分阶段对旗下20家九银村镇银行适时开展改革重组工 作。 | | 於2024年12月31日 | | | --- | --- | --- | | | 员工人數 | 佔總數百分比(%) | | 公司銀行 | 1,048 | 18.15 | | 零售管惠銀行 | 1,691 | 29.29 | | 金融市場業務 | 39 | 0.68 | | 財務及會計 | 460 | 7.97 | | 風險管理、内部控制及審計 | 327 | 5.66 | | 法律合規、人力資源及信息技術 | 476 | 8.24 | | 家居坪理 | 890 | 15.42 | | 九銀村鎮銀行 | 655 | 11.35 | | 1592812 | 1.75 | 15:74 | | 其他 | 105 | 1.82 | | 總計 | 5.773 | 100.00 | 拟对旗下20家村镇银行开展改革重组 公告显示，20家村镇银行中，有16家位于江苏省内，4家位于江苏省外，针对江西省内九银村镇银行， 九江银行拟逐 ...

九江银行发布2024年年度业绩报告，实现营业收入103.9亿元，同比增长0.29%；净利润7.44亿元，同比 增长2.88%。这份业绩报告展现出经营回稳迹象，但资产质量压力仍需关注。 业绩企稳显现韧性 在经历2023年净利润大幅下滑后，九江银行2024年经营状况开始企稳。利息净收入达91.71亿元，同比 增长10.6%，主要得益于存款付息率的显著下降。对公业务表现亮眼，制造业贷款新增81.55亿元，增幅 达18.7%。 数字化转型提速增效 九江银行在金融科技领域持续发力，自主研发的人工智能平台已在30余个场景落地应用。通过金融云建 设，提升了资源调配效率，为业务发展提供有力支撑。数字化转型不仅优化了运营效率，也为零售业务 未来发展奠定基础。 风险隐忧待化解 资产质量方面面临较大压力，不良贷款率升至2.19%，较上年增加0.1个百分点，创近10年新高，高于行 业平均水平。 | 公司全称: | 值用风险排标 | | | | | | --- | --- | --- | --- | --- | --- | | | 不良貸款余額 : 不良贷款速(%) 0 | | 投备覆盖面(%)(1) | 资款投备(%)(2) 4 | ...

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 ...

财联社10月25日讯（记者 邹俊涛）25日晚间，国家金融监督管理总局网站披露，九江银行股份有限公 司（以下简称"九江银行"）因涉嫌"理财资金用于受让本行表外风险资产"等9项违法违规事实被国家金 融监督管理总局江西监管局罚款410万元。 同日晚间，财联社记者搜索国家金融监督管理总局网站披露的历史罚单后发现，涉及"理财资金用于受 让本行表外风险资产"的罚单目前还尚属首例。 同时，财联社记者了解到，银行因理财资金违规管理和使用被监管处罚的案例并不少见，据监管披露， 仅今年年内就至少已有7家商业银行因此被罚，其中不乏国有大行。 监管首罚涉及"理财资金用于受让本行表外风险资产"罚单显示，九江银行共涉及多达9项违法违规，具 体包括有：绩效考评指标设置不合规；发放流动资金贷款为房地产开发项目垫资；理财资金用于受让本 行表外风险资产；违规办理委托贷款；向"四证"不全的房地产项目提供融资；面向非合格投资者销售的 理财产品投资房地产信托；违规授信延缓风险暴露；薪酬管理不到位；违规发放贷款掩盖违规转让信贷 资产产生的损失。 监管称，上述行为违反了《中华人民共和国银行业监督管理法》第二十一条、第四十六条。 据了解，第二十一条规定为" ...