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的內 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的 任 何 損 失 承 擔 任 何 責 任。 本行於2025年8月5日 收 到《國家金融監督管理總局貴州監管局 關 於 陳 蓉 貴州銀行獨立董事任職資格的 批 覆》（貴 金 復[2025]94號），國 家 金 融 監 督 管 理 總 局 貴 州 監 管 局（「貴州金融監管局」）已 核 准 陳 女 士 擔 任 本 行 獨 立 非執行董事的任職資格。該董事的任期直至第四屆董事會任期屆滿為止。 於 本 公 告 日，陳 女 士 已 確 認(a)彼符合上市規則第3.13(1)至(8)條所述各項 因 素 之 獨 立 性；(b)彼過去或現時並無於本行或其附屬公司業務中擁有 財 務 或 其 他 權 益，亦 無 與 本 行 任 何 核 心 關 連 人 士（定義見上市規則）有 任 何 關 連；及(c)彼 並 無 其 他 可 能 會 影 響 其 獨 立 性 的 因 素。 – 1 – 該董事的簡歷及其他根 ...

Core Insights - The article highlights the proactive measures taken by Guizhou Bank to combat telecom fraud, showcasing successful interventions that have prevented significant financial losses for customers [1][2][3] Group 1: Fraud Prevention Actions - Guizhou Bank has successfully intercepted multiple telecom fraud cases, saving customers over 300,000 yuan since 2025 [3] - In a specific incident, a customer attempted to withdraw 50,000 yuan for a fake investment, but bank staff identified the suspicious behavior and reported it to the anti-fraud center, preventing the loss [1] - Another case involved a customer who was misled into a "刷单返利" scam, where the bank staff recognized the signs of fraud and took immediate protective measures, saving the customer 16,000 yuan [2] Group 2: Customer Education and Awareness - Guizhou Bank emphasizes the importance of customer vigilance against scams, advising against transferring money or sharing verification codes with anyone claiming to be a platform customer service [4] - The bank plans to enhance its fraud prevention education and warning mechanisms to further protect customers' finances [4] Group 3: Collaboration with Authorities - The bank collaborates closely with law enforcement and regulatory bodies to implement effective account control measures, such as suspending transactions and modifying passwords, to protect customer funds [3] - In a recent incident, the bank's quick response helped control over 2.8 million yuan in customer funds, demonstrating the effectiveness of their coordinated efforts with police [3]

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7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: 貴州銀行股份有限公司（「本行」） 呈交日期: 2025年8月4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) | 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 | | 1 RMB | | 2,200,000,000 | | 2. 股份分類 | 普通股 | ...

Core Viewpoint - The article highlights the successful operation of the first international talent apartment in Guiyang, known as Bo Cai 99, which is supported by Guizhou Bank's financial assistance, aimed at attracting and retaining high-end talent in the city [5][15]. Group 1: Project Overview - Bo Cai 99 is the first international talent apartment in Guiyang, featuring large floor-to-ceiling windows and convenient access to public transportation [3]. - The project was previously a stalled office building that was transformed into a residential space for high-end talent, with over 1,200 units available [8]. - Guizhou Bank Guiyang Branch has provided over 2 billion yuan in credit to support various talent housing projects, including Bo Cai 99 [5]. Group 2: Financial Support and Development - In December 2022, Guizhou Bank Guiyang Branch issued a loan of 640 million yuan for the acquisition and renovation of the Bo Cai 99 project [8]. - The bank's proactive engagement with the project owner and understanding of the local market facilitated the funding process [8]. - The successful operation of Bo Cai 99 has led to further business opportunities for the management company, which plans to expand its operations in Guiyang [12]. Group 3: Talent Attraction and Living Quality - The apartment has attracted various high-end talents, including teachers and PhD holders, who appreciate the convenience and quality of living it offers [10][15]. - Guiyang has been recognized as a talent-friendly city, ranking in the top 50 for both talent-friendly cities and best talent development ecosystems in 2024 [13]. - The article emphasizes that the success of Bo Cai 99 reflects the broader efforts of Guizhou Bank in enhancing urban living quality and supporting city development projects [15][18].

Group 1 - The banking sector has shown renewed strength, with Guizhou Bank rising over 4% [1] - Other banks such as Minsheng Bank, Zheshang Bank, Huaxia Bank, Xiamen Bank, Citic Bank, Xi'an Bank, and Postal Savings Bank also experienced gains, with Minsheng Bank increasing over 3% [1]

Regulatory Dynamics - The Financial Regulatory Bureau and the People's Bank of China jointly released a five-year development plan for inclusive finance, emphasizing the need for a multi-level and diversified service system to enhance accessibility and reduce costs [1] - The audit report revealed that several banks were involved in concealing non-performing assets and illegal lending practices, with a total of over 50 billion yuan in non-performing assets being hidden [2] - Insurance companies are encouraged to establish a management system for inclusive insurance and to lower the cost rates of inclusive insurance products [3] Corporate Dynamics - The former chairman of Guizhou Bank, Li Zhimin, is on trial for corruption and illegal loan issuance amounting to over 304.62 million yuan, with the bank's total assets reaching 589.99 billion yuan by the end of 2024 [3] - The former chairman and president of Baian Life Insurance have reportedly gone missing amid investigations [4] - Suzhou Bank's largest shareholder, Guofazhong Group, completed a share buyback of 1.18 million shares for a total of 856 million yuan [8] - Xu Rubin's appointment as chairman of Guangdong Nanyue Bank has been approved, aiming to strengthen corporate governance [9] - 40.92% of Changcheng Huaxi Bank's shares are being publicly transferred for 4.332 billion yuan [10] - China Merchants Bank announced a dividend of 2 yuan per share to be distributed on July 30, 2025 [10] - China Construction Bank completed a private placement of 115.89 billion shares, raising 105 billion yuan to enhance its core capital [10] - Zhong An Online plans to issue new H-shares to raise approximately 3.924 billion Hong Kong dollars, with a share price set at 18.25 HKD [11] - Changyin Consumer Finance's 25% equity has been frozen by the court, affecting its second-largest shareholder [11]

Summary of Key Points Core Viewpoint - The Central Commission for Discipline Inspection and National Supervisory Commission reported a total of 19 individuals under investigation, 8 individuals facing disciplinary actions, and 69 cases of violations of the Central Eight Regulations during the week of April 28 to May 4, 2025 [1]. Investigation and Disciplinary Actions - Notable figures under investigation include Wang Jianjun, Vice Chairman of the China Securities Regulatory Commission, and several other officials from various provinces and organizations, indicating a widespread crackdown on corruption [2]. - Disciplinary actions included the expulsion from the Party of several high-ranking officials, such as Kong Fanbo, former General Manager of the Capital Planning Department of the Agricultural Development Bank of China, and Liu Xiaowei, former Deputy Director of Guangzhou Customs [3]. Violations of Central Eight Regulations - Multiple cases of violations were reported across different provinces, including: - In Guizhou, issues included accepting gifts that could influence official duties and improper entertainment [3]. - In Zhejiang, officials were found to have engaged in public fund misuse and accepting gifts [4][5]. - In Beijing, several officials were reported for accepting gifts and engaging in activities that could compromise their official duties [6][7]. Overall Trends - The ongoing investigations and disciplinary actions reflect a continued effort by the Chinese government to enforce regulations and combat corruption within various levels of government and state-owned enterprises [1][2][3].

Financial Performance - Operating income for 2024 was CNY 12.42 billion, a year-on-year increase of CNY 1.07 billion, or 9.46%[11] - Net profit for 2024 was CNY 3.78 billion, up CNY 0.13 billion, or 3.43% year-on-year[11] - Total operating income increased by 9.46% to RMB 12,417.66 million compared to RMB 11,344.69 million in the previous year[41] - Net profit for 2024 reached RMB 3,778.51 million, reflecting a growth of 3.43% compared to the previous year[71] - The bank's total assets impairment losses rose by 36.66% to RMB 4,542.83 million from RMB 3,324.10 million in 2023[41] - The company's operating expenses decreased to CNY 3.711 billion, a reduction of CNY 0.259 billion or 6.52% year-on-year[103] Asset and Loan Growth - As of the end of 2024, total assets reached CNY 589.99 billion, an increase of CNY 13.20 billion, or 2.29% from the beginning of the year[11] - Total loans amounted to CNY 347.09 billion, up CNY 15.14 billion, or 4.56% year-to-date[11] - Total deposits reached CNY 375.00 billion, increasing by CNY 18.76 billion, or 5.26% from the start of the year[11] - The balance of loans related to "new industrialization," "new urbanization," "agricultural modernization," and "tourism industrialization" reached CNY 228.687 billion, an increase of CNY 7.905 billion from the beginning of the year[27] - The balance of technology finance loans was CNY 8.071 billion, up CNY 3.095 billion from the beginning of the year, representing a growth rate of 62%[28] - The balance of inclusive small and micro enterprise loans was CNY 52.940 billion, serving 66,500 customers, with growth rates of 11.62% and 12.48% respectively[28] Client Growth - The number of corporate clients reached 115,900, a net increase of 7,000, or 6.38% from the beginning of the year[11] - The number of individual clients was 12.17 million, with a net increase of 489,500, or 4.19% year-to-date[11] - The number of inclusive small and micro enterprise customers increased to 66,500, up by 12.48%[15] - Monthly active users of mobile banking reached 953,200, an increase of 167,300 or 21.29% from the beginning of the year[53] Asset Quality and Risk Management - The non-performing loan ratio stood at 1.72%, with a provision coverage ratio of 315.98%, indicating a stable asset quality[11] - Non-performing loan ratio increased to 1.72% in 2024 from 1.68% in 2023, indicating a slight deterioration in asset quality[43] - The bank's credit risk management framework has been enhanced, focusing on high-quality development and maintaining asset quality stability[153] - The bank's trading book maintained profitability despite increased volatility in market risk indicators such as Value at Risk (VaR)[155] Digital Transformation and Technology - The bank has implemented advanced technologies such as cloud computing and artificial intelligence, achieving a full private cloud deployment for its core transaction system[38] - The company has established a digital financial model driven by data elements and digital technology, enhancing product experience and risk control measures[184] - The company has implemented smart upgrades in 211 branches, achieving a business substitution rate of 81.38%[70] Community and Social Responsibility - The company donated a total of RMB 2.56 million during the reporting period to support rural revitalization and education for impoverished students[192] - The company conducted 3,967 consumer education activities during the reporting period, reaching 2,202,100 consumers[191] - The company organized over 1,100 volunteers to support students during the college entrance examination period[192] Compliance and Risk Management - The bank has established a comprehensive compliance risk management mechanism to effectively identify, assess, and prevent compliance risks, ensuring legal and regulatory compliance in operations[166] - The company has strengthened its legal risk management by implementing strict legal review processes and enhancing employee legal awareness through training[165] - The company has established a robust anti-money laundering management structure, integrating it into its overall risk management framework[161] Market Position and Recognition - The bank's ranking in the 2024 Global Banking 1000 list was 252, and it ranked 46th in the 2024 China Banking 100 list[37] - The bank's core Tier 1 capital adequacy ratio improved to 12.24% in 2024, up from 11.25% in 2023[43]

Core Viewpoint - The event focused on customized tax services aimed at addressing the personalized needs of taxpayers, enhancing the implementation of tax policies for businesses [3][5]. Group 1: Customized Tax Services - The "customized tax service" initiative was launched by the Guizhou Provincial Taxation Bureau to provide tailored tax support for businesses of different sizes and industries through measures like "one policy for one household," "intelligent matching," and "expert consultations" [3]. - The initiative aims to convert policy benefits into development momentum for enterprises, assisting them in overcoming difficulties and facilitating transformation and upgrades [3][5]. Group 2: Event Details - The event included lectures and face-to-face discussions, where tax professionals from the Guizhou Provincial Taxation Bureau explained high-interest topics such as supplementary medical insurance tax policies and personal income tax deductions [3]. - Over 60 staff members from Guizhou Bank's headquarters and Guiyang branch participated in the event, indicating strong engagement from the banking sector [3]. Group 3: Impact and Future Plans - Since the beginning of 2024, the customized tax service has helped over 100 large enterprises resolve issues related to mergers, reorganizations, and cross-regional tax disputes [5]. - The Guizhou Provincial Taxation Bureau plans to continue a series of thematic promotional activities centered on "Taxation, Rule of Law, and Fairness" to support compliant business operations and facilitate faster development for business entities [5].

Core Viewpoint - Micro and small enterprises are crucial for economic development, job creation, and market vitality, and Guizhou Bank aims to enhance its inclusive finance services to support these businesses effectively [1][4]. Group 1: Financial Support for Small Enterprises - Guizhou Bank has set a goal of "expanding coverage, improving quality, and increasing efficiency" in its inclusive finance strategy, focusing on credit provision, digital empowerment, and compliance [1]. - As of December 31, 2024, the bank's inclusive loans for small enterprises reached 52.94 billion yuan, an increase of 5.51 billion yuan from the beginning of the year, representing an 11.62% growth [1]. - The bank's "1+2+7" service model for small enterprises ensures a one-day response, two days to formulate a plan, and seven days for loan approval, facilitating timely financial support [3]. Group 2: Case Studies of Successful Financing - The case of Qianbang Cable illustrates the bank's impact, where a 10 million yuan loan enabled the company to pay for raw materials, leading to a sales revenue of 20.48 million yuan within two months of production [2]. - Hu Yongtao, a recent graduate, received 5 million yuan in credit from Guizhou Bank to support his cattle farming venture, demonstrating the bank's role in facilitating entrepreneurship [6]. Group 3: Digital Transformation and Product Innovation - Guizhou Bank has developed an intelligent micro-loan platform utilizing advanced technologies like facial recognition and big data analysis to enhance its loan products, such as "Yanshang Loan" for tobacco retailers [7]. - The bank's online loan products have significantly improved convenience for small business owners, as evidenced by a customer who quickly secured a 100,000 yuan loan through the "Yanshang Loan" [7]. Group 4: Grid Service Model - The bank employs a "grid service" model to provide tailored financial services to micro and small enterprises, ensuring that financial support reaches a wider audience [9]. - This model has been well-received, with clients reporting satisfaction with the bank's ability to meet their financial needs and provide additional services like payment solutions [9]. Group 5: Future Commitment - Guizhou Bank plans to continue enhancing its support for small enterprises by adopting a proactive approach, simplifying processes, and focusing on customer service to ensure high-quality development [10].