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。 WEIHAI BANK CO., LTD.* 威海銀行股份有限公司* （於 中 華 人 民 共 和 國 註 冊 成 立 的 股 份 有 限 公 司） （股 份 代 號：09677） 截 至2025年6月30日止六個月的中期業績公告 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 截 至2025年6月30日止六個月的未經審計中期業績。本公告（其載有本行2025年 中 期 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中期業績所 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 中 期 業 績。本 業 績 公 告 將 於 香 港 聯 合 交 易 所 有 限 公 司 網 站(www.hkexnews.hk) 及本行網站 ...

格隆汇8月18日丨威海银行(09677.HK)公布，公司将于2025年8月28日召开董事会会议，以（其中包括） 审议及通过集团截至2025年6月30日止六个月的中期业绩及其发布。 ...

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 本 公 告 日 期，本 行 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。 WEIHAI BANK CO., LTD.* 威海銀行股份有限公司* （於 中 華 人 民 共 和 國 註 冊 成 立 的 股 份 有 限 公 ...

Core Insights - The "Youqi Loan" product from Weihai Bank is becoming a key financial service for small and micro enterprises, providing tailored financing solutions and efficient approval processes to meet their funding needs [1][2]. Group 1: Product Features - "Youqi Loan" leverages technology to create a smart financial service system, addressing the common challenges of slow financing, complex procedures, and high thresholds faced by small businesses [2]. - The service offers a 24/7 online platform through WeChat mini-programs, allowing business owners to access financing anytime and anywhere [2]. - Advanced technologies such as OCR document recognition and electronic signatures streamline the loan approval process, making it faster and more efficient [2]. Group 2: Customer Experience - The product has received positive feedback from users, with testimonials highlighting the quick approval times and reduced paperwork compared to traditional loan processes [2][3]. - A specific case mentioned a logistics company obtaining a loan of 1 million yuan within a day, significantly alleviating their financial burden [2]. Group 3: Service Commitment - Weihai Bank emphasizes the importance of not only speed but also the warmth of service, with staff going above and beyond to meet customer needs, including home visits for urgent loan approvals [3]. - The bank's commitment to customer service is reflected in the proactive measures taken by its employees to ensure timely support for clients [3]. Group 4: Future Outlook - In the past six months, "Youqi Loan" has provided credit support exceeding 200 million yuan to nearly 300 small and micro enterprises, indicating a growing brand effect [4]. - The bank plans to enhance its services by improving data sharing with tax and business departments and developing more customized products to meet diverse industry needs [4]. - Continued investment in technology, including AI and big data, is expected to further optimize the service system for small businesses [4].

Core Insights - Weihai Bank has signed a cooperation agreement with the state-owned capital operation company of Rushan City for the "Rushan Shellfish Carbon Sink Project," marking the first oyster carbon sink transaction in the province, purchasing 300 tons of CO₂ equivalent carbon credits for creating "zero-carbon" outlets [1][2] Group 1: Project Details - The "Rushan Shellfish Carbon Sink Project" is the first oyster carbon sink trading project in the province, highlighting Weihai's initiative in establishing a national green finance reform and innovation pilot zone [1] - Oysters act as "marine filters," absorbing CO₂ from seawater to form calcium carbonate shells, thus demonstrating significant carbon sink capabilities [1] Group 2: Bank's Strategic Initiatives - Weihai Bank is actively responding to the national "dual carbon" strategy, focusing on sustainable development with a core philosophy of "ecology, harmony, and win-win" [1] - The bank has implemented a systematic approach to low-carbon transformation, including a "carbon peak" work plan and initiatives like zero-carbon outlet demonstration projects and marine carbon sink trading [1] - Innovative financial products such as "green factory + CBAM-linked loans" and "carbon footprint-linked loans" have been introduced to support clean energy and emission reduction sectors, creating a virtuous cycle of "emission reduction and efficiency increase - financing cost reduction" [1] Group 3: Future Outlook - The purchase of oyster carbon credits not only aids in achieving carbon neutrality for the bank's outlets but also promotes the conversion of ecological value into economic value, reflecting the bank's commitment to green development [2] - Weihai Bank plans to continuously enhance its green financial service system, aligning with green development needs to create a comprehensive green financial solution encompassing "products - services - operations" [2]

Core Insights - Weihai Bank is focusing on building a "green finance" brand by expanding its innovative pathways in green finance, responding quickly to the funding gaps faced by enterprises in green projects [1] - The bank has established a tripartite linkage mechanism involving "head office business guidance + customized branch solutions + third-party professional evaluation" to effectively support green projects [1] - The recently issued green trade finance ABS adheres to the standards of the "Green Finance Support Project Directory (2025 Edition)" and is expected to yield significant environmental and social benefits [1][3] Financial Details - Weihai Bank successfully issued green trade finance ABS on the Shenzhen Stock Exchange, raising 172 million yuan to support local projects in flood prevention, energy conservation, and carbon reduction [3] - The projects funded are projected to save 15,700 tons of standard coal and reduce carbon dioxide emissions by 34,000 tons annually, showcasing both environmental and social benefits [1] Strategic Direction - The bank aims to continue promoting green development, enhancing its green finance innovation efforts, and enriching its green finance product system to support sustainable development for enterprises [1]

Group 1 - The nature of Weihai Bank is determined by its regulatory attributes and shareholder structure [1][8] - The bank is a local joint-stock commercial bank, non-state-owned, established in 1997, and listed in Hong Kong in 2020 [4] - Major shareholders include Shandong Highway Group with 38.12% and Weihai Finance Bureau with 12.67%, indicating a state-owned enterprise nature [4][8] Group 2 - Regulatory oversight is provided by the National Financial Supervision Administration, with local supervision by the People's Bank of China Jinan Branch [3] - The bank holds a full commercial banking license and has the qualification to conduct QFLP cross-border RMB business, being one of the first green finance pilot banks in Shandong Province [3] Group 3 - The bank's market positioning focuses on serving small and micro enterprises, with a secondary emphasis on rural revitalization [6] - Unique products include Blue Carbon Loans for offshore wind power and aquaculture enterprises, and a talent credit card with no annual fee for recipients of Weihai's talent program [6] Group 4 - The bank's non-performing loan ratio is 1.23%, lower than the average of 1.45% for city commercial banks [6] - Total assets amount to 538.7 billion, ranking above average among city commercial banks [6] - The capital adequacy ratio stands at 13.87%, meeting Basel III requirements [6] - The bank has 4.5 million mobile banking users, leading among city commercial banks in Shandong Province [6]

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: 威海銀行股份有限公司 呈交日期: 2025年8月4日 I. 法定/註冊股本變動 第 1 頁 共 10 頁 v 1.1.1 本月底法定/註冊股本總額： RMB 5,980,058,344 FF301 FF301 II. 已發行股份及/或庫存股份變動 | 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 | | | | | | | | 已發行股份（不包括庫存股份）數目 | | 庫存股份數目 | | 已發行股份總數 | | | 上月底結存 | | | 4,971,197,344 | | 0 | | 4,971,197,344 | | 增加 / 減少 (-) | | | 0 | | 0 | | | | 本月底結存 | | ...

Core Viewpoint - Weihai Bank plans to raise up to 3 billion yuan through a private placement of domestic shares and H-shares to improve its capital adequacy ratio and support business growth [1] Group 1: Capital Raising and Share Issuance - The bank's board will seek special authorization from shareholders for the issuance of up to approximately 758 million domestic shares and 154 million H-shares [1] - The net proceeds from the issuance will be used entirely to supplement the bank's core Tier 1 capital after deducting related issuance costs [1] - Major shareholders Shandong High-speed Group and Shandong High-speed Co., Ltd. intend to participate in the capital increase, with Shandong High-speed planning to subscribe for up to approximately 106 million domestic shares, totaling no more than approximately 348 million yuan [1] Group 2: Shareholding Structure - Shandong High-speed holds an 11.60% stake in Weihai Bank, while Shandong High-speed Group directly holds 35.56%, controlling a total of 47.16% of the bank [1] - Post-investment, the shareholding ratios of Shandong High-speed Group and Shandong High-speed in Weihai Bank will remain unchanged at 35.56% and 11.60%, respectively [1] Group 3: Industry Context - The core Tier 1 capital adequacy ratio of Weihai Bank was 9.31% at the end of 2024, showing a 0.54 percentage point increase from the end of 2023 but a 0.57 percentage point decrease from the end of 2020 [2] - There is increasing pressure on capital supplementation for small and medium-sized banks, particularly due to narrowing net interest margins and profitability challenges [2] - Over 10 small and medium-sized banks have received approval for capital increases or targeted placements this year, indicating a trend of regional state-owned capital actively participating in these efforts [2][3]

Core Viewpoint - Weihai Bank is initiating a new round of capital replenishment with the support of local state-owned assets, planning to issue up to 758 million domestic shares and 154 million H-shares to raise approximately 3 billion yuan for core tier one capital supplementation [2][3][4]. Group 1: Capital Raising Details - The planned issuance price is 3.29 yuan per share, representing a 22.6% premium over the secondary market price [3][4]. - The controlling shareholder, Shandong Expressway Group, will participate in the subscription while maintaining its current shareholding ratio, potentially investing 1.414 billion yuan, which accounts for 47% of the total fundraising target [3][5]. - The total fundraising amount is approximately 3 billion yuan, with 2.494 billion yuan from domestic shares and 506 million yuan from H-shares [4][5]. Group 2: Financial Performance and Capital Adequacy - As of March 2025, Weihai Bank's total assets exceeded 465 billion yuan, with a capital adequacy ratio of 12.72%, a tier one capital ratio of 9.89%, and a core tier one capital ratio of 8.47%, all showing a decline from the end of 2024 [3][7][8]. - The bank's total assets surpassed 400 billion yuan by the end of 2024, marking a 12.65% increase year-on-year, with loans and deposits also showing significant growth [7][8]. - The non-performing loan ratio was at a record low of 1.41% by the end of 2024, with a provision coverage ratio of 156.07%, indicating improved asset quality [8].