第 1 頁 共 2 頁 v 1.1.1 | 代扣所得稅信息 | | | | | --- | --- | --- | --- | | | 宣派之股息所適用之代扣所得稅（包括股東類型及適用的稅率）載列於下表。 倘相關稅務法規及稅收協議另有規定，本行將按照稅務機關的徵管要求具體辦理。 | | 有關代預扣所得稅之更多補充 （如適用） 在香港發行股份的國內非外商投資 | | | 股東類型 | 稅率 | | | | 非個人居民 | | | | 股息所涉及的代扣所得稅 | （非中國內地登記地址） | 10% | 企業於在稅收協定規限下向境外居 | | | | | 民個人派付股息時可按10%的稅率 | | | | | 預扣個人所得稅。 | | | 非居民企業 | | | | | （非中國內地登記地址） 10% | | 任何在海外證券交易所上市的中國 | | | | | 居民企業必須就派付予非居民企業 | | | | | 的2008年及以後年度的股息按 | | | | | 10%的稅率代扣代繳企業所得稅。 | | 發行人所發行上市權證/可轉換債券的相關信息 | | | | | 發行人所發行上市權證/可轉換債券 | 不適用 | ...

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。 （ 於 中 華 人 民 共 和 國 註 冊 成 立 的 股 份 有 限 公 司 ） （股 份 代 號：09677） WEIHAI BANK CO., LTD.* 威 海 銀 行 股 份 有 限 公 司 * 2025年度業績公告 威 海 銀 行 股 份 有 限 公 司（「本 行」）董 事 會（「董事會」）謹 此 公 佈 本 行 及 其 附 屬 公 司（「本集團」）截 至2025年12月31日 止 年 度 的 經 審 核 年 度 業 績（「年 度 業 績」）。本 公 告（其 載 有 本 行2025年 度 報 告 的 全 文）乃 遵 照 香 港 聯 合 交 易 所有限公司證券上市規則有關年度業績所隨附初步公告的資料的相關 規 定。董 事 會 及 其 下 轄 的 審 計 委 員 會 已 審 閱 並 確 認 此 年 度 業 績。本 業 績 公告將 ...

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。 威海銀行股份有限公司* 董事會 中 國，威 海 2026年3月17日 於 本 公 告 日 期，董 事 會 包 括 執 行 董 事 孟 東 曉 先 生、張 文 斌 先 生、盧 繼 梁 先 生 及 姜 毅 先 生；非 執 行 董 事 陳 曉 軍 先 生、趙 冰 先 生、焦 衛 鋒 先 生、康 建先生及李傑女士；獨立非執行董事范智超先生、王勇先生、孫祖英女士、 楊 雲 紅 先 生 及 彭 鋒 先 生。 * 威海銀行股份有限公司並非香港法例第155章《銀 行 業 條 例》所 指 認 可 機 構，不 受 限 於 香 港 金 融 管 理 局 的 監 督，亦 不 獲 授 權 在 香 港 經 營 銀 行 及╱或 接 受 存 款 業 務。 （ 於 中 華 人 民 共 和 國 註 冊 成 立 的 股 份 有 限 公 司 ） （股 份 代 號：09677） ...

致：香港交易及結算所有限公司 公司名稱: 威海銀行股份有限公司 呈交日期: 2026年3月5日 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: 2026年2月28日 狀態: 新提交 I. 法定/註冊股本變動 | 1. 股份分類 | 普通股 | 股份類別 | 其他類別 (請註明) | | 於香港聯交所上市 (註1) | | 否 | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 證券代號 (如上市) | N/A | 說明 | 内資股 | | | | | | | | | 法定/註冊股份數目 | | 面值 | | | 法定/註冊股本 | | | 上月底結存 | | | 4,971,197,344 RMB | | 1 | RMB | | 4,971,197,344 | | 增加 / 減少 (-) | | | 0 | | | RMB | | 0 | | 本月底結存 | | | 4,971,197,344 RMB | | 1 | RMB | | 4,971,197,344 | | 2. 股份分類 | 普通股 ...

业绩经营情况事件背景：2025年12月，威海银行完成向山东高速集团、津联集团及财鑫资产定向增发募 集30亿元，资金全部用于补充核心一级资本。增发价格为3.29元/股（约3.61港元/股），但截至2026年2 月10日港股股价报2.09港元，较定增价格倒挂超40%。关注点：定增前（2025年三季度末）公司核心一 级资本充足率已降至8.02%，接近7.5%的监管红线。需观察2025年年报及后续财报中资本充足率是否显 著提升，以及资金如何支持绿色贷款（2025年增幅50%）、科技贷款（增幅70%）等转型业务。 战略推进战略方向：在2026年度工作会议中，公司明确"市场化、专业化、数字化"转型路径，推进智慧 网点建设与垂直管理优化。合规压力：2026年1月7日，潍坊分行因"违规发放无实际用途贷款、虚增存 贷款规模"被罚款35万元。需关注后续是否加强信贷风控及业务合规性。 以上内容基于公开资料整理，不构成投资建议。 来源：经济观察网 经济观察网 威海银行（09677.HK）近期值得关注的事件：30亿元国资定增完成后的资本充足率改善效 果、股价异动与流动性风险的持续影响、业务转型与合规整改进展。 股票近期走势近期事件：2 ...

Core Viewpoint - Weihai Bank's stock price has significantly declined, with a drop of over 26% in a single day, reaching a record low since its listing in 2020, indicating severe market challenges for small banks in Hong Kong [1][2][4]. Group 1: Stock Performance - Weihai Bank's stock price fell to 1.910 HKD on February 5, 2025, marking a 26.54% decline, and further dropped to 1.850 HKD on February 6, 2025, the lowest since its IPO [2][4]. - The bank's market capitalization has evaporated by over 4 billion HKD, reducing to 115.420 billion HKD as of February 6, 2025 [4]. - The trading volume for Weihai Bank was only 68,400 shares over two days, with a total transaction value of merely 1.39 million HKD [1][4]. Group 2: Financial Performance - Since its listing, Weihai Bank has maintained revenue growth, achieving 5.06 billion RMB in revenue for the first half of 2025, a year-on-year increase of 11%, and a net profit of 1.13 billion RMB, up 5% [2]. - As of September 2025, the bank's total assets reached 502.8 billion RMB, but its capital adequacy ratios have declined, with the core Tier 1 capital ratio dropping to 8.02% by the end of Q3 2025, nearing the regulatory minimum of 7.5% [2][3]. Group 3: Capital Raising Efforts - In July 2025, Weihai Bank announced a plan to issue up to 758 million domestic shares and 154 million H-shares, aiming to raise up to 3 billion RMB to bolster its core Tier 1 capital [3]. - Major state-owned entities, including Shandong Hi-Speed Group, are set to subscribe to the capital increase at a price of 3.29 RMB per share, indicating strong institutional support [3]. Group 4: Market Dynamics - The trading environment for small banks in Hong Kong is characterized by low liquidity, with many banks experiencing similar trading challenges, as evidenced by other banks like Guangzhou Rural Commercial Bank and Tianjin Bank having transaction values below 50,000 HKD on February 6, 2025 [4][5]. - Experts suggest that the market is increasingly favoring larger institutions, leading to the marginalization of smaller banks, which face challenges such as narrowing net interest margins and asset quality pressures [5][6].

Core Viewpoint - The Hong Kong stock market is not suitable for small and medium-sized banks from mainland China, as evidenced by the liquidity challenges faced by these banks, particularly highlighted by the recent dramatic decline in the stock price of Weihai Bank [2][10]. Group 1: Market Performance - Weihai Bank experienced a significant drop of 26.54% on February 5, marking its largest single-day decline since its listing, with a closing price of 1.91 HKD per share and a market value loss exceeding 4.1 billion HKD [3][4]. - The trading volume for Weihai Bank was notably low, with only 55,600 shares traded on the day of the crash, indicating a severe liquidity issue [3][5]. - The bank's average turnover rate this year was only 0.0037%, with 8 out of 26 trading days showing zero transactions [5]. Group 2: Financial Performance - As of mid-2025, Weihai Bank reported total assets of 483.84 billion CNY, a 9.60% increase from the end of 2024, with total deposits and loans also showing growth of 12.73% and 9.01%, respectively [3][4]. - The bank achieved a net profit of 1.26 billion CNY for the first half of 2025, reflecting a year-on-year increase of 5.79% [3]. Group 3: Capital Adequacy - As of September 2025, Weihai Bank's capital adequacy ratio was 11.89%, with a tier 1 capital ratio of 10.04% and a core tier 1 capital ratio of 8.02%, meeting regulatory requirements but remaining close to the minimum thresholds [4]. Group 4: Liquidity Challenges - The liquidity issues faced by Weihai Bank are indicative of a broader trend among small and medium-sized banks listed in Hong Kong, with many experiencing prolonged periods of low trading activity [2][10]. - The market structure in Hong Kong, dominated by institutional investors, leads to a preference for larger, more liquid stocks, further marginalizing smaller banks [6][7]. Group 5: Market Dynamics - The lack of a robust market for small and medium-sized banks in Hong Kong results in a vicious cycle of low trading volume, reduced market attention, and valuation discounts [7][8]. - The absence of strict delisting criteria in the Hong Kong market allows underperforming stocks to persist without the pressure to improve liquidity or market performance [8][10]. Group 6: Investor Sentiment - Investors show limited interest in local small banks due to their regional focus and perceived opacity in business operations, which diminishes market engagement [7][10]. - The primary motivation for many small banks to list in Hong Kong is capital replenishment, rather than active market engagement, which exacerbates the issue of low trading activity [10][11].

Core Insights - Weihai Bank is actively advancing its digital transformation by constructing "smart branches" to enhance service efficiency and customer experience [1][7] - The bank has implemented a collaborative service mechanism that integrates physical branches, online services, and remote assistance [1][7] Group 1: Smart Branch Implementation - The Qingdao Road branch serves as a pilot for smart branch construction, equipped with various intelligent devices such as CRS deposit and withdrawal machines, enhancing service quality and efficiency [3] - These devices streamline high-frequency counter services, allowing for transactions like deposits, withdrawals, transfers, and account openings to be completed more quickly compared to traditional methods [3] Group 2: Remote Service Expansion - The bank's video banking service, launched in November 2025, includes features for credit card information maintenance and social security card services, integrating 21 high-frequency services to enhance remote service capabilities [4] - Over 260,000 customers have utilized the video banking service, which operates on weekends and holidays, thereby increasing service coverage and customer satisfaction [4] Group 3: Service Optimization - Weihai Bank focuses on optimizing service processes by improving the integration of smart devices and backend support, allowing for seamless cross-device service [5] - The bank aims to achieve a "one initiation, full completion" service model, significantly enhancing service fluidity [5] Group 4: Risk Management and Efficiency - The bank employs a centralized risk control system for high-risk transactions to ensure compliance and safety while optimizing staff allocation for personalized services [6] - This dual focus on risk management and operational efficiency aims to enhance overall service delivery [6] Group 5: Customer-Centric Approach - The ultimate goal of the smart branch initiative is to improve customer experience, with average processing times for personal account openings and investment purchases reduced by over 70% [7] - The bank provides specialized services for elderly customers to bridge the digital divide and offers customized service plans for clients with unique needs [7] - Weihai Bank plans to continue its digital transformation and smart branch development to better support regional economic growth and improve residents' quality of life [7]

Core Viewpoint - The article discusses the challenges faced by Weihai Bank, particularly its significant stock price drop and the implications of its listing on the Hong Kong Stock Exchange, suggesting that local banks may not need to pursue such listings for performance improvement [1][10]. Group 1: Stock Performance - Weihai Bank's stock price fell to 1.91 HKD on February 5, 2026, marking a 26.54% drop in a single day, the lowest since its listing in 2020 [2][12]. - The stock has consistently underperformed since its IPO, with a listing price of 3.35 HKD that quickly fell below this value [4][14]. - As of February 6, 2026, the bank's market capitalization had decreased to 11.542 billion HKD [4][14]. Group 2: Trading Volume and Liquidity Issues - The significant drop in stock price occurred with a low trading volume of only 556,000 shares, translating to a mere 1.14 million HKD in transaction value, highlighting the liquidity issues faced by small banks in the Hong Kong market [3][14]. - Weihai Bank experienced a period of 61 consecutive trading days with no transactions in 2022, and the total trading volume for early 2024 was less than 2 million HKD, ranking last among Hong Kong-listed banks [4][14]. Group 3: Capital Increase Challenges - In July 2025, Weihai Bank announced a 3 billion HKD capital increase plan, with domestic shares priced at 3.29 HKD each, nearly double the current market price, indicating a significant disconnect between market valuation and the capital raise price [5][15]. - Three state-owned institutions planned to subscribe for nearly 2.9865 billion HKD of the capital increase, reflecting a commitment to support the bank despite the risks associated with the price disparity [5][15]. Group 4: Financial Performance - Despite the stock market struggles, Weihai Bank reported a revenue of 5.07 billion HKD for the first half of 2025, a year-on-year increase of 11.0%, and a net profit of 1.13 billion HKD, up 5.0% [6][15]. - The bank's total assets grew from 267.6 billion HKD in 2020 to 441.5 billion HKD in 2024, a cumulative increase of 65% [8][17]. - The core tier one capital adequacy ratio fell to 8.02% by the end of Q3 2025, nearing the regulatory minimum of 7.50% [8][17]. Group 5: Broader Industry Context - The challenges faced by Weihai Bank are reflective of broader issues within the Hong Kong market, where small and medium-sized banks struggle with liquidity and investor interest [9][19]. - As of March 2023, among over 30 mainland bank stocks listed in Hong Kong, 10 had no trading activity, indicating a systemic issue with liquidity in this segment [9][19]. - Efforts by Weihai Bank to rebrand and amend its articles of association have had limited success in improving its market position [9][19].

Key Points - As of February 5, 67 stocks reached their 52-week highs, with Rongda Technology (09881), Jiurong Holdings (02358), and Haojiang Electromechanical (01408) leading the increase rates at 162.10%, 91.30%, and 24.59% respectively [1] - The highest closing price for Rongda Technology was 20.620, with a peak of 65.000, indicating significant growth [1] - Jiurong Holdings closed at 0.016, reaching a high of 0.044, reflecting a strong performance [1] - Haojiang Electromechanical had a closing price of 0.330 and a peak of 0.380, showing a notable increase [1] 52-Week High Rankings - The top three stocks with the highest growth rates are: - Rongda Technology (162.10%) - Jiurong Holdings (91.30%) - Haojiang Electromechanical (24.59%) [1] - Other notable mentions include: - Honghai Holdings Group (08020) at 24.14% - Shangyu Group (01633) at 20.60% [1] 52-Week Low Rankings - The stocks that reached their 52-week lows include: - LeMo Technology (02539) with a decline of -42.01% - Weihai Bank (09677) at -20.42% - XL Ernan CO (07711) at -17.57% [2] - Additional stocks with significant declines are: - Songdu Service (09608) at -16.00% - XL Ernan Strategy (07799) at -13.86% [2]