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]

Core Viewpoint - Jiujiang Bank is committed to transformation and refined management, enhancing strategic execution, and following a differentiated and specialized development path, emphasizing the importance of party leadership in its operations [1] Group 1: Development Achievements - Since the establishment of the new party committee, Jiujiang Bank has strengthened refined management and continued to promote structural optimization, capital efficiency, compliance, and growth, resulting in a 2.5% year-on-year increase in total assets to 516.459 billion yuan by the end of 2024 [2] - Customer loans and advances increased by 6.4% year-on-year to 320.835 billion yuan, while total liabilities rose by 2.4% to 473.926 billion yuan, with customer deposits totaling 386.964 billion yuan [2] - The bank achieved double growth in revenue and net profit, with operating income reaching 10.388 billion yuan and net profit at 762 million yuan [2] Group 2: Transformation and Service Enhancement - Jiujiang Bank focuses on product optimization, service enhancement, and brand building, leveraging digital capabilities to strengthen financial service guarantees, including the launch of the first "bank guarantee" credit enhancement for intellectual property securitization in the country [3] - The bank has implemented a comprehensive service model, with daily remote counter transaction volume increasing nearly 3.74 times, and continuously improving the digitalization and intelligence of various services [3] - The bank prioritizes local service, targeting key areas and weak links to enhance support for the real economy, having served approximately 150,000 new citizen clients [3] Group 3: Strategic Focus and Innovation - Jiujiang Bank emphasizes local demand, industrial upgrades, and long-term value, driving reform and innovation to align its development with local construction [4] - The bank adopts a "shopkeeper spirit" to serve local development, proactively providing precise services to ensure financial resources benefit the real economy [4] - The bank is committed to a "bulldozer spirit" in business transformation, establishing a modern financial enterprise system and focusing on customer needs to create a "15-minute financial service ecosystem" [4] Group 4: Financial Innovations - Jiujiang Bank has expanded its development space through innovative financial products, such as the "Jiu Yin Smart Loan" and "Science and Technology Enterprise Financing" products, which provide credit services without collateral for technology-based manufacturing enterprises [5] - The bank has integrated green finance into its operations, supporting energy-saving and carbon-reduction projects, with a total of 4.05 billion yuan in carbon reduction loans, leading to an annual reduction of 82,200 tons of CO2 equivalent [5] - The bank continues to optimize its credit structure and enhance financial supply, implementing mechanisms to address the financing challenges faced by small and micro enterprises [5]

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].

Group 1 - The core viewpoint of the articles emphasizes the strategic development of Jiujiang Bank focusing on "industry + policy + finance + technology" to enhance the operational quality of supply chains and promote digital financial development [1][2][3] Group 2 - Jiujiang Bank has established partnerships with leading industry platforms such as Zhejiang Merchants Zhongtuo and Huangxing Cold Chain to expand customer acquisition and logistics, contributing to the construction of an industrial ecosystem [1] - The bank's "Smart Logistics Loan" financial solution addresses the pain points of cold chain import enterprises by providing a comprehensive service that includes financing, logistics, and information systems [2] - As of March 2025, the total credit amount of the industrial financial comprehensive service platform reached 75.152 billion yuan [2] - Jiujiang Bank has actively participated in the construction of regional industrial brains and launched the first digital transformation financial solution in Jiangxi Province, "Digital Transformation Loan," to support manufacturing enterprises [3] - The bank successfully provided a special loan of 5.5723 million yuan to a local manufacturing company, significantly reducing its comprehensive costs by 70% [3] - The bank plans to continue promoting the synergy of "digital finance + industrial finance" to inject strong momentum into the digital transformation of industries [3]

Core Viewpoint - Jiujiang Bank's 2024 financial report shows a slight recovery in revenue and net profit, indicating a stabilization after previous declines, driven by leadership changes and deep reforms to address historical issues [2][10]. Financial Performance - In 2024, Jiujiang Bank reported revenue of 10.388 billion yuan and a net profit of 762 million yuan, reflecting year-on-year increases of 0.29% and 2.16% respectively [2][10]. - The bank's non-performing loan (NPL) ratio stood at 2.19% at the end of 2024, marking a near ten-year high, with overdue loans increasing by 47.4% year-on-year to 9.4 billion yuan [2][11]. - The net interest margin improved by 0.16 percentage points to 1.92%, contributing to a 10.64% increase in net interest income to 9.171 billion yuan [10]. Leadership Changes - The leadership transition involved the appointment of Zhou Shixin as chairman and Xiao Jing as president, both tasked with reforming the bank's operations amid rising asset risks and profitability challenges [2][5]. - Zhou Shixin has extensive experience in corporate banking, while Xiao Jing brings a strong technological background, aiming to integrate financial and technological strategies [6][12]. Strategic Focus - The bank's strategy for 2024 emphasizes local development, risk management, and compliance, with a focus on enhancing operational efficiency and customer service [7][8]. - Jiujiang Bank aims to reduce high-risk assets, with real estate loans decreasing by 9.1% year-on-year to 22.206 billion yuan, while increasing investments in lower-risk assets [8][10]. Digital Transformation - The bank is committed to digital transformation, establishing a leadership group for digital initiatives and implementing the "Jiu Yin Brain" AI platform across various operational scenarios [8][10]. - By the end of 2024, the bank had successfully deployed the AI platform in over 30 scenarios, serving more than 6,500 users [8]. Future Outlook - For 2025, Jiujiang Bank aims to expand its customer base and enhance its core competitiveness, building on the groundwork laid in 2024 [11][12]. - The bank's leadership is optimistic about the potential for recovery and growth through focused strategies in regional development and digitalization [12].

Core Viewpoint - Jiujiang Bank plans to reform and restructure its 20 rural banks under the Jiu Yin brand, aiming to gradually acquire full ownership and convert them into branches of Jiujiang Bank [1][3]. Group 1: Restructuring Plans - The restructuring will involve acquiring shares from other stakeholders in the Jiu Yin rural banks located in Jiangxi province, with the goal of achieving 100% ownership before merging them into branches [3]. - For rural banks outside Jiangxi, Jiujiang Bank will decide on their future based on regulatory requirements, which may include maintaining their current status, acquiring them, or an orderly exit [3]. Group 2: Financial Performance - As of the end of 2024, Jiujiang Bank reported total assets of 516.46 billion yuan, reflecting a 2.50% year-on-year growth, but faced significant pressure on asset quality with non-performing loans (NPLs) rising to 7.01 billion yuan and an NPL ratio of 2.19%, above the industry average [6]. - The bank's net interest income reached 9.171 billion yuan in 2024, an increase of 10.6% year-on-year, driven by reduced interest expenses on liabilities [7]. - However, non-interest income faced challenges, with net commission income declining by 12.9% to 847 million yuan, primarily due to a decrease in wealth management fees [7].

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 | ...

Core Viewpoint - Jiujiang Bank reported a stabilization in its performance for 2024, with a focus on transforming its operations and enhancing strategic execution while serving local economies and small to medium enterprises [1] Financial Performance - The bank achieved an operating income of 10.388 billion yuan and a net profit of 762 million yuan, representing year-on-year increases of 0.29% and 2.16% respectively, indicating a recovery from negative growth in 2023 [2][1] - The total assets of the bank reached 516.459 billion yuan, a year-on-year increase of 2.50% [1] - The non-performing loan (NPL) ratio stood at 2.19%, with a provision coverage ratio of 154.25% and a capital adequacy ratio of 13.17% [1] Revenue Breakdown - Interest income increased to 9.171 billion yuan, up 10.6% year-on-year, primarily due to a reduction in interest expenses [2] - Non-interest income decreased to 847 million yuan, down 12.9% year-on-year, affected by a decline in wealth management fees [2] - Financial investment income dropped significantly by 62.3% to 341 million yuan due to a reduction in non-standard investments [2] Asset Quality - The bank's total non-performing loans reached 7.012 billion yuan, with the NPL ratio at its highest level in five years [6] - Retail loan non-performing loans increased significantly to 2.664 billion yuan, while corporate loan non-performing loans decreased to 4.348 billion yuan [6] - The bank's provision coverage ratio has shown a downward trend from 173.01% in 2022 to 154.25% in 2024 [6] Strategic Outlook - Jiujiang Bank plans to continue focusing on its market positioning of "three services" and aims to enhance its operational structure while controlling non-performing loans and stabilizing growth [6]

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 ...