Group 1 - The core initiative is the establishment of the "New Employment Group Service Station" by Jiujiang Bank in collaboration with the Jiujiang Municipal Social Work Department, aimed at providing essential services to new employment groups [1][3] - The service station will offer various amenities such as a place to rest, access to drinking water, and financial services including financial literacy, entrepreneurial financing support, personalized wealth management, and fraud prevention [3][4] - The initiative reflects the importance of new employment groups in supporting urban development and emphasizes the collective responsibility of society to ensure their service and support [3][4] Group 2 - The establishment of the service station is part of Jiujiang Bank's efforts to integrate party building with business operations and actively participate in grassroots social governance [4] - Future plans include deepening collaboration with various municipal departments to gather more social resources and extend financial services to grassroots levels, enhancing the overall service experience for new employment groups and other stakeholders [4]

股份發行人及根據《上市規則》第十九B章上市的香港預託證券發行人的證券變動月報表 截至月份: 2025年8月31日 狀態: 新提交 致：香港交易及結算所有限公司 公司名稱: 九江銀行股份有限公司 呈交日期: 2025年9月3日 I. 法定/註冊股本變動 | 1. 股份分類 | 普通股 | 股份類別 | H | | 於香港聯交所上市 (註1) | | 是 | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 證券代號 (如上市) | 06190 | 說明 | H 股 | | | | | | | | | 法定/註冊股份數目 | | | 面值 | | 法定/註冊股本 | | | 上月底結存 | | | 482,367,200 | RMB | | 1 RMB | | 482,367,200 | | 增加 / 減少 (-) | | | 0 | | | RMB | | 0 | | 本月底結存 | | | 482,367,200 | RMB | | 1 RMB | | 482,367,200 | | 2. 股份分類 | 普通股 | 股份類別 | 其他類別 ...

Core Viewpoint - The successful issuance of the first phase of technology innovation bonds by Jiujiang Bank for Lianchuang Electronics marks a significant step in supporting private enterprises in Jiangxi Province and promoting the development of the technology bond market [1][2]. Group 1: Bond Issuance Details - Jiujiang Bank independently underwrote the first phase of technology innovation bonds for Lianchuang Electronics, with a total issuance scale of 30 million yuan [1]. - This bond issuance is recognized as the first technology innovation bond for private enterprises in Jiangxi Province [1]. Group 2: Company Profile - Lianchuang Electronics focuses on the development of new optical and optoelectronic industries, including optical lenses and imaging modules [1]. - The company holds titles such as National High-tech Enterprise and National Manufacturing Single Champion [1]. Group 3: Strategic Implications - The successful issuance of these bonds not only reflects Jiujiang Bank's commitment to national strategies and social responsibilities but also serves as a model for other technology innovation enterprises in the province to utilize debt financing tools [1]. - Jiujiang Bank plans to continue innovating financial products and services to support local private technology innovation enterprises, emphasizing its role as a key player in regional economic development [2].

Group 1 - The core theme of the company's development is to "fully expand the customer base, enhance customer comprehensive contribution, continuously strengthen capability building, and cultivate the core competitiveness of Jiujiang Bank" [1] - The company maintains a market positioning focused on "serving the local economy, serving small and medium-sized enterprises, and serving urban and rural residents" [1] - For the first half of 2025, the company achieved operating income of RMB 5.343 billion and net profit of RMB 379 million [1] Group 2 - The company reported a net interest income of RMB 4.098 billion, a decrease of RMB 412 million year-on-year, representing a decline of 9.1% [1] - The decline in net interest income is primarily attributed to a decrease in the average annual yield of interest-earning assets [1]

Core Viewpoint - Jiujiang Bank (06190) reported a decrease in both revenue and net profit for the six months ending June 30, 2025, indicating challenges in maintaining growth amidst a competitive banking environment [1] Financial Performance - The bank achieved an operating income of 5.343 billion yuan, a year-on-year decrease of 2.87% [1] - The net profit attributable to shareholders was 364 million yuan, reflecting a significant year-on-year decline of 34.28% [1] - Basic earnings per share stood at 0.01 yuan [1] Strategic Focus - In the first half of 2025, the bank focused on expanding its customer base, enhancing customer contributions, and strengthening its core competencies [1] - The bank maintained its market positioning by serving local economies, small and medium-sized enterprises, and urban-rural residents [1] - Overall management showed steady progress, achieving an operating income of 5.343 billion yuan and a net profit of 3.79 billion yuan [1]

Core Viewpoint - Jiujiang Bank reported a decrease in both revenue and net profit for the first half of 2025, indicating challenges in maintaining growth while focusing on customer base expansion and service to local economies [1] Financial Performance - The bank achieved an operating income of 5.343 billion yuan, a year-on-year decrease of 2.87% [1] - The net profit attributable to shareholders was 364 million yuan, reflecting a significant year-on-year decline of 34.28% [1] - Basic earnings per share stood at 0.01 yuan [1] Strategic Focus - The bank's development theme for the first half of 2025 centered on expanding the customer base, enhancing customer contributions, and solidifying core competencies [1] - The bank maintained its market positioning by focusing on serving local economies, small and medium-sized enterprises, and urban-rural residents [1]

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。 公告 調整公司治理結構 及 建議修訂公司章程 調整公司治理結構 Bank of Jiujiang Co., Ltd.* * 九江銀行股份有限公司*（「本行」）董事（「董事」）會（「董事會」）謹此宣佈，為優化 公司治理結構，提升公司治理運作效率，根據《中華人民共和國公司法》（「《公司 法》」）《國家金融監督管理總局關於公司治理監管規定與公司法銜接有關事項的通 知》等法律法規、監管規定和相關文件要求，本行建議不再設置監事會，由董事 會審計委員會行使《公司法》和監管制度規定的監事會職權，監事會下設專門委員 會同步撤銷（「本次調整」）。《九江銀行股份有限公司監事會議事規則》等監事會相 關公司治理制度相應廢止。 6190 本次調整將提交本行股東大會審議，並自本行股東大會審議通過本次調整的議案 及建議修訂《九江銀行股份有限公司章程》（「《公司章程》」）的議案，且修訂後的 《公司章程》經國家金融監督管理總局江西監管局 ...

Company Overview - Bank of Jiujiang Co., Ltd. reported an unaudited consolidated interim performance for the six months ending June 30, 2025[2]. - The registered capital of Bank of Jiujiang is RMB 2,847,367,200[6]. - As of the reporting period, the bank employed 5,746 full-time staff, with an average age of 30.62 years[7]. - The bank has achieved full coverage in all prefecture-level cities in Jiangxi Province through its 13 branches and 265 sub-branches[7]. Awards and Recognition - In January 2025, the bank was awarded the title of "Top 100 Self-Operated Settlement Institutions" for the seventh consecutive year[8]. - The bank received recognition as an "Outstanding Underwriter" and "Outstanding Market Maker" in the 2024 RMB Financial Bond Underwriting Market[8]. - The bank was recognized as the "2024 Advanced Unit in Green Finance Work" by the People's Bank of China, Jiujiang Branch[9]. - The bank was awarded the first-class comprehensive assessment for state-owned enterprises in Jiujiang City for the year 2024[10]. - The bank was recognized as a "2025 Regional Economic Star" in May 2025, highlighting its contributions to local economic development[12]. Financial Performance - Net interest income for the first half of 2025 was RMB 4,098.2 million, a decrease of 9.1% compared to RMB 4,510.4 million in the same period of 2024[15]. - Total operating income for the first half of 2025 was RMB 5,342.5 million, down 2.9% from RMB 5,500.5 million in the first half of 2024[15]. - The net profit attributable to shareholders for the first half of 2025 was RMB 364.0 million, a decline of 34.4% from RMB 553.9 million in the same period of 2024[15]. - The average return on total assets for the first half of 2025 was 0.15%, down from 0.24% in the same period of 2024[15]. - The basic earnings per share for the first half of 2025 was RMB 0.01, down from RMB 0.08 in the same period of 2024[15]. - The company achieved operating revenue of RMB 5.343 billion and net profit of RMB 379 million for the first half of 2025[21]. - Net profit decreased by RMB 213 million, a decline of 36% compared to the same period in 2024[22]. Asset and Loan Management - The bank's total assets reached RMB 519,654.5 million as of June 30, 2025, an increase from RMB 516,458.6 million at the end of 2024[16]. - The total amount of customer loans and advances as of June 30, 2025, was RMB 3,259.49 billion, an increase of RMB 51.15 billion or 1.6% from the end of the previous year[62]. - The total amount of corporate loans and advances was RMB 2,111.30 billion, an increase of RMB 118.86 billion or 6.0% compared to the end of 2024, driven by the company's efforts to expand corporate credit[65]. - Retail loans amounted to RMB 82,668.4 million, generating interest income of RMB 1,847.0 million, with an average annualized yield of 4.47%, down from RMB 92,259.9 million and RMB 2,275.1 million at 4.93% in the previous year[33]. - The total amount of retail loans was RMB 82.470 billion, representing 25.3% of total loans, with a decrease in non-performing retail loans to RMB 2.253 billion[97]. Risk Management - The bank maintained a prudent risk appetite, with no single borrower's loan balance exceeding 10% of the company's net capital, and the largest single borrower's loan balance was RMB 2.703 billion, accounting for 0.83% of total loans[105]. - The bank has established a multi-dimensional credit risk monitoring system to track significant risk events and manage overdue accounts[152]. - Market risk management focuses on interest rate and exchange rate risks, with stress testing and various risk indicators in place[153]. - The liquidity ratio at the end of the reporting period was 74.75%, with a net stable funding ratio of 129.36% and a liquidity coverage ratio of 171.69%[163]. Shareholder Structure - As of June 30, 2025, 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[177]. - The proportion of state-owned shares is 48.80%, with 1,389,528,436 shares held, remaining unchanged during the reporting period[179]. - The company has a total of 699 domestic shareholders as of June 30, 2025, including 44 state-owned shareholders, 54 corporate shareholders, and 601 individual shareholders[180]. - The largest shareholder, Jiujiang Finance Bureau, is a government entity, indicating a strong state influence in the company's ownership structure[183]. Compliance and Governance - The bank established a compliance management organization structure involving the board of directors, supervisory board, senior management, and various departments to enhance compliance risk management[165]. - The bank's compliance management plan is risk-based and is updated annually to address compliance checks, training, and key tasks[166]. - The bank's anti-money laundering system was upgraded to improve the accuracy of suspicious monitoring models and enhance technical defenses against money laundering and fraud risks[170]. - The company has implemented a comprehensive risk assessment and monitoring process for information technology, identifying risk points and submitting reports to the board[171].

Group 1 - The core viewpoint of the articles highlights the collaboration between Jiujiang Bank and Shengzhiyuan Recycling Resources Co., Ltd. in promoting green finance and supporting the circular economy in plastic recycling [1][2] - Shengzhiyuan has the capacity to process 210 tons of waste plastic daily and produces 186 tons of recycled plastics such as RPET, RPP, and RPE [1] - Jiujiang Bank has provided a comprehensive credit support of 50 million yuan to Shengzhiyuan, facilitating the company's project construction and capacity upgrades [1] Group 2 - The partnership between Jiujiang Bank and green enterprises like Shengzhiyuan demonstrates a commitment to achieving both economic and environmental benefits [2] - Jiujiang Bank aims to continue implementing national strategies on green finance and sustainable development while focusing on serving the real economy [2] - The bank plans to enhance its financial services to support local economic green transformation through professional and innovative approaches [2]

Group 1 - The core idea of the article is that Jiujiang Bank has introduced a "Loan Clarity Sheet" to enhance transparency in financing costs, helping businesses understand their borrowing expenses and fostering trust between banks and enterprises [1][2][3] - The "Loan Clarity Sheet" effectively addresses the issue of hidden financing costs, allowing companies to clearly see the total costs associated with their loans, which has been a significant pain point for businesses [2] - Jiujiang Bank emphasizes the importance of transparent communication and has taken proactive steps, such as covering collateral assessment fees, to build trust with clients and reduce their overall financing burden [2] Group 2 - The bank's approach includes flexible loan terms tailored to the actual needs of clients, which can lead to significant cost savings, as demonstrated by a case where a client was advised to adjust the loan duration to save on guarantee fees [2] - Jiujiang Bank is committed to providing convenient and transparent continuous financing services, as seen in the case of a client who benefited from the bank's "no repayment renewal loan" policy, reinforcing the trust in their partnership [3] - The bank aims to deepen the work of indicating comprehensive financing costs, ensuring that financial resources are effectively allocated to support the real economy and assist business owners and individual entrepreneurs [3]