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" ...

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].

Financial Performance - Net interest income for 2023 was RMB 8,289.0 million, a decrease from RMB 8,593.6 million in 2022[14]. - Net fee and commission income increased to RMB 972.2 million in 2023, up from RMB 841.7 million in 2022[14]. - Total operating income for 2023 was RMB 10,358.4 million, compared to RMB 10,869.9 million in 2022[14]. - Operating expenses rose to RMB 3,407.1 million in 2023, up from RMB 3,275.2 million in 2022[14]. - Impairment losses on assets increased to RMB 6,105.7 million in 2023, compared to RMB 5,601.5 million in 2022[14]. - Profit before tax for 2023 was RMB 855.1 million, significantly lower than RMB 2,001.5 million in 2022[14]. - Net profit for the year was RMB 745.4 million, down from RMB 1,680.4 million in 2022[14]. - Net profit attributable to shareholders was RMB 723.6 million in 2023, compared to RMB 1,615.1 million in 2022[14]. - Total operating income for 2023 was RMB 10,358.4 million, a decrease from RMB 10,869.9 million in 2022, representing a decline of 4.7%[116]. Asset and Liability Management - As of December 31, 2023, Jiujiang Bank has total assets exceeding RMB 500 billion and operates 279 branches[4]. - The bank's registered capital amounts to RMB 2,847,367,200[3]. - Total assets grew to RMB 503,849.2 million in 2023, up from RMB 479,703.5 million in 2022, representing a growth of 5.4%[16]. - The total liabilities of the group reached RMB 462.89 billion, increasing by RMB 19.61 billion or 4.4% compared to the end of the previous year[76]. - The bank's equity attributable to shareholders rose to RMB 40,156.5 million in 2023 from RMB 35,627.6 million in 2022, an increase of 14.2%[16]. - The liquidity coverage ratio improved significantly to 448.64% in 2023 from 267.97% in 2022[17]. - The capital adequacy ratio slightly decreased to 12.01% in 2023 from 12.62% in 2022[15]. - The net stable funding ratio decreased from 130.87% in 2022 to 127.03% in 2023, with available stable funding increasing to RMB 341.784 billion[157]. Loan and Credit Management - Customer loans and advances net amount increased to RMB 293,410.2 million in 2023 from RMB 271,535.2 million in 2022, a rise of 8.4%[16]. - The non-performing loan ratio increased to 2.09% in 2023 from 1.82% in 2022[16]. - The total amount of customer loans and advances was RMB 301.62 billion, up RMB 22.46 billion or 8.0% year-on-year[89]. - The group reported a total of RMB 98,967.2 million in mortgage loans, with a non-performing loan amount of RMB 3,449.5 million, representing 3.49%[99]. - The group increased its loan amount in Jiangxi Province to RMB 250.43 billion, an increase of RMB 19.02 billion or 8.2% year-on-year, accounting for 83.0% of total loans[102]. - The distribution of corporate loans by product type shows that working capital loans accounted for 55.5% of the total, while fixed asset loans made up 30.6%[65]. - The top three industries by loan amount were manufacturing (RMB 43,638.0 million), wholesale and retail (RMB 28,040.7 million), and real estate (RMB 24,427.8 million)[98]. Awards and Recognition - Jiujiang Bank has been recognized as a "Core Underwriter" and "Outstanding Market Maker" for its performance in the 2022 RMB financial bond underwriting market[5]. - The bank was awarded the "Comprehensive Excellence Award" for its cross-border RMB business in Jiangxi Province for 2022[6]. - In 2023, Jiujiang Bank was named "Outstanding Industry Financial Bank" in a selection event focused on supply chain financing[6]. - The bank received multiple awards in 2023, including the "Outstanding Investment Return Bank" and "Outstanding Wealth Management City Commercial Bank" at various forums[7][9]. - The company has been recognized with multiple awards, including the "Financial Innovation Contribution Award" from the Jiangxi Provincial Financial Regulatory Bureau[22]. Strategic Focus and Development - The bank aims to enhance service to local economies and small and medium enterprises as part of its strategic focus for sustainable development[20]. - The company is focusing on five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance for future growth[23]. - The bank aims to enhance its brand image by forming a national alliance for small and medium-sized banks in industrial finance[133]. - The bank's digital transformation efforts have led to significant improvements in risk management, with a focus on integrating technology into financial services[140]. - The bank aims to enhance strategic execution and operational efficiency in 2024, focusing on fine management and risk control[142]. Risk Management - The bank has established a comprehensive risk management system to enhance compliance and risk prevention measures[21]. - The bank's risk management framework includes a comprehensive structure from the board of directors to functional departments, ensuring effective risk oversight and management[143]. - The bank has implemented a multi-dimensional credit risk monitoring system to enhance risk identification capabilities[149]. - The bank has strengthened its operational risk management framework, ensuring that operational risks are controlled within acceptable limits[152]. - The bank's credit risk management culture emphasizes prudent management, with significant achievements in asset quality control and the implementation of standardized credit processes[145]. Customer Engagement and Services - The number of retail customers reached 5.3661 million, marking a growth of 9.86%[126]. - The total number of credit cards issued reached 1.1506 million, indicating stable overall operations in the credit card business[128]. - The company launched new products such as "Good Car Card" and "Truck ETC" to meet diverse customer needs in the credit card sector[128]. - The bank's trade finance business achieved a cross-border RMB settlement scale of RMB 5.509 billion, an increase of 29.72%[134]. - The bank's agricultural loans reached RMB 67.909 billion, an increase of RMB 4.059 billion or 6.36% year-on-year[138]. Shareholder Structure - As of December 31, 2023, 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[171]. - The top ten domestic shareholders hold a total of 1,632,987,590 shares, representing 57.35% of the total issued share capital[174]. - The largest domestic shareholder, Jiujiang Finance Bureau, holds 366,020,000 shares, accounting for 12.85% of the total issued share capital[174]. - The shareholding structure indicates significant ownership concentration among a few major shareholders, with the top three holding over 35% of the shares[182]. - The company has no controlling shareholder as of the reporting period[183].

Financial Performance - Net interest income for 2023 was RMB 8,289.0 million, a decrease of 3.5% from RMB 8,593.6 million in 2022[15]. - Net fee and commission income increased to RMB 972.2 million, up 15.5% from RMB 841.7 million in 2022[15]. - Total operating income for 2023 was RMB 10,358.4 million, down 4.7% from RMB 10,869.9 million in 2022[15]. - Pre-tax profit decreased to RMB 855.1 million, a decline of 57.3% compared to RMB 2,001.5 million in 2022[15]. - Net profit for the year was RMB 745.4 million, down 55.7% from RMB 1,680.4 million in 2022[15]. - Earnings per share (EPS) for 2023 was RMB 0.15, a decrease of 71.4% from RMB 0.53 in 2022[15]. - The bank's total assets increased, with net assets per share at RMB 11.65, down from RMB 11.89 in 2022[15]. - The group achieved operating revenue of RMB 10.3584 billion and net profit of RMB 745 million, reflecting a stable growth in overall business management[23]. - The net interest income for the year was RMB 8.289 billion, accounting for 80.0% of total operating revenue[25]. - The pre-tax profit for the year was RMB 855.1 million, with a net profit of RMB 745.4 million after tax[24]. Asset and Liability Management - As of December 31, 2023, Bank of Jiujiang reported total assets exceeding RMB 500 billion, with a network of 279 branches[6]. - The bank's total assets grew to RMB 503,849.2 million in 2023, up from RMB 479,703.5 million in 2022, representing a growth of 5.4%[17]. - The bank's total liabilities increased to RMB 462,892.7 million in 2023 from RMB 443,287.3 million in 2022[17]. - The capital adequacy ratio decreased to 12.01% in 2023 from 12.62% in 2022[16]. - The liquidity coverage ratio improved significantly to 448.64% in 2023 from 267.97% in 2022[18]. - The bank's equity attributable to shareholders increased to RMB 40,156.5 million in 2023 from RMB 35,627.6 million in 2022[17]. - The total amount of cash and deposits with the central bank was RMB 33.30 billion, remaining stable compared to the previous year[74]. - The total amount of repurchase agreements increased to RMB 4.97 billion, a significant rise of RMB 3.27 billion or 192.3% from the previous year[80]. Loan and Credit Quality - The non-performing loan ratio increased to 2.09% in 2023 from 1.82% in 2022[17]. - The total amount of customer loans and advances reached RMB 293,410.2 million in 2023, an increase from RMB 271,535.2 million in 2022[17]. - The total amount of customer loans and advances amounted to RMB 301.62 billion, an increase of RMB 22.46 billion or 8.0% compared to the previous year[84]. - The total overdue loans amounted to RMB 6.375 billion, representing 2.1% of the total customer loans and advances[104]. - The provision for loan impairment losses increased to RMB 9.680 billion as of December 31, 2023, up from RMB 8.762 billion the previous year[107]. - The distribution of loans classified as normal was RMB 284.20 billion, accounting for 94.22% of total loans, while loans under special attention were 11.12 billion, representing 3.69%[86]. - The manufacturing sector accounted for 14.5% of total loans, while the wholesale and retail sector contributed 9.3%, and the real estate sector made up 8.1%[92]. Awards and Recognition - In 2023, the bank was awarded the title of "Outstanding Comprehensive Business Institution" by the Shanghai Bill Exchange[8]. - The bank received multiple awards in 2023, including the "Outstanding Investment Return Bank" and "Outstanding Wealth Management City Commercial Bank"[10]. - The bank was recognized for its contributions to social responsibility, receiving the "2022 Jiangxi Social Responsibility Enterprise" award[9]. - The bank's RFID smart insurance cabinet project won the "Scene Financial Innovation Excellent Case Award" in January 2024[13]. - The bank's industry finance practice was recognized with awards such as "Outstanding Industry Finance Bank" and "Tianxin Award for Integrated Innovation"[128]. - The bank's wealth management capabilities were acknowledged with multiple industry awards, including the "Golden Bull Award" from China Securities Journal[126]. Strategic Initiatives - The bank has optimized its shareholder structure by introducing strategic investors such as Industrial Bank and Beijing Automotive Group[6]. - The bank is committed to enhancing financial services and management quality, with ongoing financial reform and international cooperation[22]. - The bank's strategic theme for 2024 is to firmly advance transformation and enhance strategic execution capabilities[139]. - The bank is focused on enhancing credit management by implementing early identification and early warning mechanisms for risks[146]. - The bank's strategic risk level is stable and manageable, with effective risk management practices in place[167]. Human Resources - The bank employs 5,429 full-time staff, with an average age of 29.97 years, and 87.24% holding undergraduate or associate degrees[6]. - Employee compensation expenses amounted to RMB 1.93 billion, an increase of RMB 106.5 million, or 5.9% year-on-year, due to a rise in employee numbers[51]. Shareholder Structure - The total issued share capital of the bank is 2,847,367,200 shares, including 2,365,000,000 domestic shares and 482,367,200 H shares[168]. - The top ten shareholders of the company held a total of 1,632,987,590 shares, representing approximately 57.35% of the total issued share capital as of December 31, 2023[171]. - The largest shareholder, Jiujiang Finance Bureau, directly held 366,020,000 shares, accounting for 12.85% of the total issued share capital[171]. - The bank has established related transactions with several major shareholders, including Jiangxi State-owned Assets Management Company and Fangda Carbon New Material Technology Co., Ltd.[188].

Financial Performance - Net interest income for the first half of 2023 was RMB 4,128.6 million, a decrease of 5.0% compared to RMB 4,347.1 million in 2022[17]. - Net fee and commission income increased by 16.2% to RMB 392.2 million from RMB 337.5 million in the previous year[17]. - Total operating income for the first half of 2023 was RMB 5,255.4 million, reflecting a slight increase of 0.8% from RMB 5,212.1 million in 2022[17]. - Pre-tax profit decreased by 10.3% to RMB 1,010.7 million compared to RMB 1,127.2 million in the same period last year[17]. - Net profit attributable to shareholders for the first half of 2023 was RMB 922.1 million, down 9.9% from RMB 1,023.7 million in 2022[17]. - The group's net profit for the same period was RMB 944.3 million, representing a year-on-year decline of 9.1%[29]. - The group's operating expenses for the six months ended June 30, 2023, were RMB 1.446 billion, an increase of RMB 107 million or 8.0% year-on-year[68]. - The group's income tax expense for the six months ended June 30, 2023, was RMB 66 million, a decrease of RMB 22 million or 24.9% year-on-year, primarily due to tax exemptions on interest income from government bonds and fund dividends[81]. Asset Quality - The non-performing loan ratio increased to 2.06% from 1.82% in the previous year, indicating a deterioration in asset quality[19]. - The non-performing loan (NPL) ratio rose to 2.06% as of June 30, 2023, an increase from 1.82% at the end of 2022[147]. - The real estate sector had a non-performing loan balance of RMB 1,041.2 million, with an NPL ratio of 4.35%, up 2.41 percentage points from the end of 2022[150]. - The leasing and business services sector reported a non-performing loan balance of RMB 753 million, with an NPL ratio of 4.11%, which increased slightly by 0.01 percentage points[150]. - The wholesale and retail sector's non-performing loan balance was RMB 685 million, with an NPL ratio of 2.42%, down 0.31 percentage points from the previous year[150]. - The provision for loan impairment losses was RMB 9.65 billion as of June 30, 2023, an increase of RMB 0.88 billion or 10.1% from the end of the previous year, primarily due to increased provisioning efforts[172]. Capital and Equity - The capital adequacy ratio decreased to 12.10% from 12.62% at the end of 2022, reflecting a decline in capital strength[19]. - The bank's capital adequacy ratio, tier 1 capital ratio, and core tier 1 capital ratio were 12.10%, 10.60%, and 8.00% respectively, with the capital adequacy ratio decreasing by 0.52 percentage points compared to the end of the previous year[178]. - The bank's core tier 1 capital increased to RMB 29,664.5 million, up from RMB 28,935.4 million at the end of 2022[181]. - The total equity increased to RMB 37,139 million as of June 30, 2023, up by RMB 722 million, reflecting a growth of 2.0%[125]. - As of June 30, 2023, the total equity attributable to shareholders was RMB 36,341.2 million, an increase from RMB 35,627.6 million as of December 31, 2022, representing a growth of 2.0%[128]. Loans and Advances - Customer loans and advances totaled RMB 292.943 billion, reflecting a growth of 4.9% from the end of the previous year[27]. - The total amount of corporate loans and advances was RMB 174.70 billion, increasing by RMB 12.27 billion or 7.6% due to the group's active expansion of corporate credit[91]. - Retail loans and advances totaled RMB 96.10 billion, remaining stable compared to the end of the previous year[98]. - The total amount of discounted bills as of June 30, 2023, was RMB 22.14 billion, an increase of RMB 1.03 billion or 4.9%[102]. - The total amount of loans and advances in Jiangxi Province was RMB 243.91 billion, an increase of RMB 12.50 billion from the end of the previous year, accounting for 83.3% of the total customer loans and advances[158]. Strategic Initiatives - Jiujiang Bank was recognized as one of the first pilot support units for the National Blockchain Innovation Application Pilot Project, being one of only four city commercial banks nationwide[10]. - The bank aims to enhance its brand image by optimizing its shareholder structure and attracting strategic investors like Industrial Bank and Beijing Automotive Group[8]. - The group actively supports technological innovation and green development as part of its strategic initiatives[26]. - The bank's trade finance business saw a 74.07% year-on-year increase in settlement volume, driven by effective policy execution[190]. - New investments in key sectors such as manufacturing, inclusive finance, and green finance showed growth rates of 88.56%, 106.47%, and 129.46% respectively[190]. Awards and Recognition - In 2023, Jiujiang Bank received multiple awards, including "Core Underwriter" and "Outstanding Market Maker" for its performance in RMB financial bond underwriting[11]. - The bank was awarded the "Annual City Commercial Bank Award" at the Huaxia Institutional Investor Annual Meeting in February 2023[10]. - Jiujiang Bank has been recognized for its contributions to rural revitalization and poverty alleviation, receiving accolades for its support in these areas[13].

Assets and Financial Position - As of June 30, 2023, Bank of Jiujiang reported total assets exceeding RMB 490 billion[6] - The bank's total assets as of June 30, 2023, were RMB 492,490.2 million, representing a growth of 2.7% from RMB 479,703.5 million at the end of 2022[16] - The total assets of the bank's 18 controlled rural banks amounted to RMB 16.517 billion, an increase of 1.17% from the end of the previous year[156] - The total amount of customer loans and advances was RMB 292,943.2 million, an increase of RMB 13,777.9 million compared to the previous year[103] - The total amount of corporate loans and advances was RMB 174,701.1 million, an increase from RMB 162,427.3 million as of December 31, 2022[73][74] - The total amount of retail loans and advances was RMB 96,104.5 million, with an NPL amount of RMB 1,848.3 million, leading to an NPL ratio of 1.92%[110] - The total amount of interbank and other financial institution deposits was RMB 2,571 million, an increase of 15.2% from the previous year[84] - The total liabilities of the group amounted to RMB 455.35 billion, an increase of RMB 12.06 billion or 2.7% compared to the end of the previous year[86] - The total customer deposits reached RMB 377.80 billion as of June 30, 2023, remaining stable compared to the end of the previous year[87] Income and Profitability - Net interest income for the first half of 2023 was RMB 4,128.6 million, a decrease of 5.0% compared to RMB 4,347.1 million in the same period of 2022[15] - Total operating income for the first half of 2023 was RMB 5,255.4 million, reflecting a slight increase of 0.8% from RMB 5,212.1 million in the previous year[15] - The bank's net profit attributable to shareholders for the first half of 2023 was RMB 922.1 million, down 9.9% from RMB 1,023.7 million in the same period of 2022[15] - The company reported a pre-tax profit of RMB 1.011 billion, down 10.3% year-on-year[25] - The company achieved operating income of RMB 5.255 billion and net profit of RMB 944 million, with a year-on-year decline of 9.1%[23] Loan Quality and Risk Management - The non-performing loan ratio increased to 2.06% as of June 30, 2023, compared to 1.82% at the end of 2022[16] - The amount of non-performing loans reached RMB 60.21 million, with a breakdown of RMB 1,924.4 million in substandard, RMB 1,522.6 million in doubtful, and RMB 2,574.2 million in loss categories[100] - The total amount of normal and attention loans was RMB 286,922.0 million, accounting for 97.94% of total loans[101] - The company attributed the increase in the NPL ratio to the overall economic environment affecting customers' repayment capabilities[104] - The group has enhanced its large exposure risk management framework in compliance with regulatory requirements, aiming to improve overall risk management levels[118] Capital and Shareholder Structure - The bank's registered capital increased to RMB 2,847,367,200 following recent H-share and domestic share issuances[5] - As of June 30, 2023, the total issued share capital of the company was 2,407,367,200 shares, consisting of 2,000,000,000 domestic shares and 407,367,200 H shares[189] - The largest shareholder, Jiujiang Finance Bureau, holds 366,020,000 shares, accounting for 15.20% of the total issued share capital[194] - The total number of shares held by the top ten shareholders indicates a significant concentration of ownership within the company[194] - The company has a diverse shareholder base, including financial institutions and industrial companies, which may influence its strategic direction[198] Strategic Initiatives and Future Outlook - The bank aims to optimize its shareholder structure and expand its market presence through strategic partnerships[6] - The bank's future outlook includes continued focus on technological innovation and market expansion initiatives[6] - The bank's theme for 2023 focuses on solidifying customer foundations, enhancing revenue and profit, and deepening structural adjustments for sustainable development[158] - The bank is committed to enhancing the efficiency of credit management through improved risk management policies and processes[165] Operational Efficiency and Cost Management - Operating expenses for the six months ended June 30, 2023, were RMB 1.446 billion, an increase of RMB 107 million or 8.0% year-on-year[57] - The company has streamlined 56 business processes, involving 155 regulations and procedures, proposing over 90 internal regulation optimizations and 393 procedural measures[177] - The company completed the self-evaluation of internal controls for the year 2022, optimizing the internal control evaluation and supervision system[178] Digital Transformation and Innovation - The bank's digital transformation efforts have led to the automation of bond pricing and enhanced risk control capabilities[149] - The new anti-money laundering system has been successfully implemented, enhancing efficiency and reducing the number of warning cases significantly[180] - The bank has achieved recognition for its asset management system and business continuity management, being the only city commercial bank in Jiangxi Province certified by ISO22301[162] Community and Social Responsibility - The bank established 639 inclusive financial service stations across the province, conducting 200 promotional activities in the first half of 2023[152] - The bank has supported seven carbon reduction projects with a total loan amount of RMB 350 million as of June 30, 2023[153] - The bank has served nearly 100,000 new citizens by June 30, 2023, through various financial services tailored to their needs[145]