Core Viewpoint - Guizhou Bank demonstrates resilience and vitality in high-quality development, achieving a stable performance amid a complex macroeconomic environment and industry challenges, with significant growth in both operating income and net profit while maintaining a declining non-performing loan ratio [1][2]. Financial Performance - As of June 2025, Guizhou Bank's total assets exceeded 600 billion yuan, reaching 603.75 billion yuan, a 2.33% increase from the beginning of the year [2] - The bank's net interest margin increased by 0.22 percentage points year-on-year to 1.90%, driven by optimized asset structure and controlled liability costs [2] - Interest income reached 4.918 billion yuan, a 13.25% increase year-on-year, contributing to an operating income of 6.102 billion yuan, up 2.26%, and a net profit of 2.129 billion yuan, growing by 0.31% [2] Asset Quality - The non-performing loan ratio improved to 1.69%, with the provision coverage ratio rising to 331.87%, indicating enhanced risk mitigation capabilities [3] - The non-performing loan ratio for corporate loans decreased to 1.12%, with various sectors experiencing reductions in non-performing rates [3] Regional Development Support - Guizhou Bank focuses on supporting local economic development, aligning with the province's "Four Modernizations" initiatives, including new industrialization and urbanization [4] - As of June 2025, the bank's loans for new industrialization reached 36.199 billion yuan, with total disbursements of 12.427 billion yuan [4] - Loans for new urbanization amounted to 149.814 billion yuan, with cumulative disbursements of 13.033 billion yuan [4] Inclusive Finance and Rural Revitalization - The bank has issued 18.864 billion yuan in loans to small and micro enterprises, serving 18,500 clients, with a total balance of 54.067 billion yuan [5] - In rural revitalization, the bank's agricultural modernization loan balance grew by 3.221 billion yuan to 32.411 billion yuan by mid-2025 [5] Consumer Finance - Guizhou Bank's consumer finance assets reached 36.765 billion yuan, reflecting an increase of 1.156 billion yuan, contributing to the recovery of local consumption [6]

Core Viewpoint - Guizhou Bank has achieved significant growth in various financial services, particularly in supporting small and micro enterprises, green finance, and pension finance, demonstrating its commitment to empowering the real economy and enhancing financial inclusivity [1][6][10]. Group 1: Financial Support for Innovation and Small Enterprises - Guizhou Bank has tailored its financial services to meet the needs of technology innovation enterprises, with a technology finance loan balance of 9.812 billion yuan, reflecting a growth of 21.57% compared to the beginning of the year [2]. - The bank has implemented a "1771" inclusive finance model, which has provided 1.8864 billion yuan in loans to 18,864 small and micro enterprises, enhancing their operational capabilities [6]. - Specific case studies, such as the support for Guizhou Fengda Bearing Co., demonstrate the bank's proactive approach in providing customized financing solutions to alleviate cash flow pressures [7][8]. Group 2: Green Finance Initiatives - Guizhou Bank has actively promoted green finance, with a green credit balance of 61.293 billion yuan, an increase of 4.4% from the start of the year [4]. - The bank has successfully facilitated loans for green projects, such as providing 1.309 billion yuan in green loans to support the aluminum industry in transitioning to cleaner production methods [5]. - The bank's efforts in green finance are exemplified by its collaboration with companies like Guizhou Qizhen Industrial Group, where it provided 20 million yuan in loans backed by intellectual property [4]. Group 3: Pension Finance Development - The bank has significantly increased its pension finance loan balance to 1.621 billion yuan, marking a growth of 57.22% since the beginning of the year [8]. - Guizhou Bank has implemented "age-friendly services" to cater to the elderly population, ensuring that financial services are accessible and tailored to their needs [9]. - The bank's initiatives include providing timely loans to support the operational needs of elder care facilities, demonstrating its commitment to the aging population [9]. Group 4: Digital Transformation and Innovation - Guizhou Bank has focused on digital transformation, achieving a digital economy loan balance of 4.005 billion yuan, with a growth rate of 28.57% [10]. - The bank has developed a domestic mobile banking platform to enhance service delivery and customer experience [10]. - The application of AI technology has been a key driver in the bank's digital transformation, with significant user engagement in AI-driven services [11][12].

Core Viewpoint - Guizhou Bank's half-year report for 2025 indicates a steady growth trajectory, achieving significant milestones in asset scale and financial performance, while maintaining a focus on supporting the real economy and rural revitalization efforts [1][2]. Financial Performance - As of the reporting period, Guizhou Bank's total assets reached 603.75 billion yuan, marking a growth of 13.76 billion yuan, or 2.33% since the beginning of the year [2]. - The bank's total loans amounted to 364.35 billion yuan, an increase of 17.26 billion yuan, or 4.97%, while total deposits reached 392.73 billion yuan, up by 17.73 billion yuan, or 4.73% [2]. - Operating income rose to 6.10 billion yuan, reflecting a year-on-year increase of 135 million yuan, or 2.26%, and net profit reached 2.13 billion yuan, up by 7 million yuan, or 0.31% [2]. - Net interest income was reported at 4.92 billion yuan, showing a growth of 13.25% [2]. Efficiency and Cost Management - The bank successfully reduced operating expenses by 3.08% compared to the same period last year [3]. - The bank's return on assets (ROA) and return on equity (ROE) were recorded at 0.72% and 8.08%, respectively [3]. Asset Quality - Guizhou Bank maintained a stable asset quality with a non-performing loan ratio of 1.69%, a decrease of 0.03 percentage points from the beginning of the year [3]. - The provision coverage ratio improved to 331.87%, an increase of 15.89 percentage points [3]. Support for Real Economy - The bank's technology finance loan balance reached 9.81 billion yuan, growing by 1.74 billion yuan, or 21.57% [3]. - Green credit balance was 61.29 billion yuan, up by 2.58 billion yuan, or 4.4% [3]. - Inclusive small and micro loans totaled 61.20 billion yuan, with a growth of 565 million yuan, or 0.93% [3]. - Loans for the elderly care industry reached 1.62 billion yuan, increasing by 590 million yuan, or 57.22% [3]. - Digital economy loans amounted to 4.00 billion yuan, up by 890 million yuan, or 28.57% [3]. Strategic Focus Areas - Guizhou Bank supported new industrialization loans totaling 36.20 billion yuan and new urbanization loans of 149.81 billion yuan [4]. - The bank emphasized financial services for key sectors such as the phosphate industry, pharmaceutical distribution, and agriculture [4]. - The bank's agricultural modernization loan balance was 32.41 billion yuan, reflecting a growth of 3.22 billion yuan [5]. Consumer Finance and Small Business Support - The bank enhanced its consumer finance services, with consumer financial assets reaching 36.77 billion yuan, an increase of 1.16 billion yuan [6]. - Guizhou Bank focused on small and micro enterprises, providing loans totaling 18.86 billion yuan to 18,500 clients [7].

Group 1 - The article highlights the successful return of a young entrepreneur, Chen Wei, to his hometown to cultivate a local specialty crop, the "lotus white" cabbage, which has become a significant source of income for the community [1][2] - Chen Wei's agricultural venture has expanded from an initial 50 acres to 180 acres by 2024, with plans to further increase land under cultivation, indicating a growing recognition and demand for "Shuangping lotus white" in major markets [2][3] - The local government and financial institutions, particularly Guizhou Bank, have played a crucial role in supporting small and micro enterprises by providing financial assistance, such as a timely loan of 300,000 yuan to Chen Wei, which facilitated his operations [2][3] Group 2 - The agricultural project has created job opportunities for local villagers, with an average monthly wage of over 2,000 yuan for workers, contributing to the local economy and improving the livelihoods of families in the area [3] - The annual production value of the lotus white cabbage from Shizhuang Village has exceeded 3 million yuan, showcasing the economic impact of this agricultural initiative on the community [3]

Core Viewpoint - The implementation of the "Comprehensive Financing Cost List for Corporate Loans" by Guizhou Bank Anshun Branch enhances transparency in corporate financing, helping businesses understand their financing costs and access favorable loan terms [1][5][11]. Group 1: Impact on Enterprises - Guizhou Bank Anshun Branch actively promotes the "Comprehensive Financing Cost List," which aids companies in calculating their financing costs and accessing various loan options [1][11]. - The initiative has benefited both new and existing clients, as demonstrated by Anshun Yuanjing New Materials Co., which received a loan of 19.9 million yuan within 10 working days after utilizing the financing cost list [5][11]. - Spring Return Health Technology Co. reported a reduction in interest expenses by several tens of thousands of yuan due to the bank's proactive support and the use of the financing cost list [7][11]. Group 2: Financial Support and Efficiency - The bank's "Thousand Enterprises and Ten Thousand Households Visit" initiative has facilitated better communication with businesses, leading to tailored financing solutions [9][11]. - The Anshun Bank team helped Wanlv City Bailanting Hotel secure a 5 million yuan loan by introducing third-party asset evaluations, which allowed the hotel to meet collateral requirements and save nearly 100,000 yuan in financing costs [9][11]. - As of the end of August, the financing cost list has covered 260 loans totaling 3.685 billion yuan, benefiting over 214 small and micro enterprises and individual businesses [11].

( 於中華人民共和國註冊成立的股份有限公司 ) 股份代號：6199 中期報告 | 目錄 | | --- | | | 釋義 | 2 | | --- | --- | --- | | 第一章 | 公司簡介 | 4 | | 第二章 | 會計數據和財務指標摘要 | 6 | | 第三章 | 管理層討論與分析 | 9 | | 第四章 | 股本變動及股東情況 | 49 | | 第五章 | 董事、監事、高級管理人員、 | 60 | | | 員工及機構情況 | | | 第六章 | 企業管治 | 78 | | 第七章 | 重要事項 | 85 | | 第八章 | 中期財務資料審閱報告 | 88 | | 第九章 | 未經審計中期財務資料的 | 89 | | | 財務報表及附註 | | | 第十章 | 未經審計補充財務信息 | 185 | | 附錄 | 分支機構名錄 | 188 | 本行經國家金融監督管理總局批准持有B1383H252010001號 金融許可證，並經國家金融監督管理總局貴州監管局核准 領取統一社會信用代碼為915200000550280000號營業執照。 本行根據香港銀行業條例（香港法例第155章）並非一家認可 機構，不 ...

FF301 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 本行乃於中華人民共和國注冊成立的股份有限公司 公司名稱: 貴州銀行股份有限公司（「本行」） 呈交日期: 2025年9月3日 I. 法定/註冊股本變動 FF301 | 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) | 06199 | 說明 | | | | | | | | | | | 法定/註冊股份數目 | | | 面值 | | | 法定/註冊股本 | | | 上月底結存 | | | 2,200,000,000 | RMB | | 1 | RMB | | 2,200,000,000 | | 增加 / 減少 (-) | | | | | | | RMB | | | | 本月底結存 | | | 2,200,000,000 | RMB | | ...

Core Insights - Guizhou Bank reported a year-on-year increase in both operating income and net profit for the first half of 2025, with operating income reaching 6.102 billion yuan, up 2.26%, and net profit at 2.129 billion yuan, up 0.31% [1] Financial Performance - Operating income for the first half of 2025 was 6.102 billion yuan, an increase of 135 million yuan compared to the previous year, reflecting a growth rate of 2.26% [1] - Net profit for the same period was 2.129 billion yuan, an increase of 70 million yuan, with a growth rate of 0.31% [1] - The bank's total assets reached 603.747 billion yuan, growing by 13.760 billion yuan, a 2.33% increase from the beginning of the year [1] - Total loans amounted to 364.347 billion yuan, increasing by 17.262 billion yuan, with a growth rate of 4.97% [1] - Total deposits were 392.731 billion yuan, up by 17.729 billion yuan, reflecting a growth rate of 4.73% [1] Asset Quality - The non-performing loan ratio stood at 1.69%, a decrease of 0.03 percentage points from the beginning of the year [1] - The provision coverage ratio improved to 331.87%, an increase of 15.89 percentage points compared to the start of the year [1] Loan Portfolio - Technology financial loans reached 9.812 billion yuan, increasing by 1.741 billion yuan, a growth rate of 21.57% [2] - Green credit balance was 61.293 billion yuan, up by 2.582 billion yuan, reflecting a growth rate of 4.4% [2] - Inclusive finance loans totaled 61.203 billion yuan, with an increase of 0.565 billion yuan, a growth rate of 0.93% [2] - Loans for the elderly care industry reached 1.621 billion yuan, increasing by 0.590 billion yuan, a significant growth rate of 57.22% [2] - Digital economy industry loans amounted to 4.005 billion yuan, up by 0.890 billion yuan, reflecting a growth rate of 28.57% [2]

Core Insights - Guizhou Bank reported an increase in both operating income and net profit for the first half of 2025, with operating income reaching 6.102 billion yuan, a year-on-year increase of 135 million yuan, or 2.26%, and net profit at 2.129 billion yuan, up 7 million yuan, or 0.31% [1] Financial Performance - Total assets of Guizhou Bank amounted to 603.747 billion yuan at the end of the reporting period, an increase of 13.760 billion yuan, or 2.33% from the beginning of the year [1] - The total loan amount was 364.347 billion yuan, reflecting a growth of 17.262 billion yuan, or 4.97% [1] - Total deposits reached 392.731 billion yuan, with an increase of 17.729 billion yuan, or 4.73% [1] Asset Quality - The non-performing loan ratio stood at 1.69%, a decrease of 0.03 percentage points from the beginning of the year [1] - The provision coverage ratio improved to 331.87%, an increase of 15.89 percentage points from the beginning of the year [1] Company Overview - Guizhou Bank was officially established on October 11, 2012, and is headquartered in Guiyang, Guizhou Province, formed through the merger of several local commercial banks [2] - As of the reporting period, the bank had 5,543 employees and 219 branches [2] - Guizhou Bank ranked 248th in the "2025 Global Bank 1000" list published by The Banker magazine and 46th in the "2024 Top 100 Chinese Banks" list by the China Banking Association [2]

Core Insights - Guizhou Bank reported a revenue of 6.102 billion yuan for the first half of 2025, an increase of 135 million yuan, representing a growth rate of 2.26% [1] - The net profit for the same period was 2.129 billion yuan, up by 7 million yuan, with a growth rate of 0.31% [1] Financial Performance - Total assets reached 603.747 billion yuan by the end of the reporting period, an increase of 13.760 billion yuan, reflecting a growth rate of 2.33% [1] - Total loans amounted to 364.347 billion yuan, increasing by 17.262 billion yuan, with a growth rate of 4.97% [1] - Total deposits were 392.731 billion yuan, up by 17.729 billion yuan, representing a growth rate of 4.73% [1] Asset Quality - The non-performing loan ratio stood at 1.69%, a decrease of 0.03 percentage points from the beginning of the year [1] - The provision coverage ratio improved to 331.87%, an increase of 15.89 percentage points compared to the start of the year [1]