Core Points - Guizhou Bank held its sixth board meeting on August 15, 2025, where all resolutions were passed unanimously with 10 votes in favor and no opposition or abstentions [1][2][3][4]. Group 1: Financial Reports and Risk Management - The board approved the annual report and summary for the first half of the year [1]. - The comprehensive risk management report for the first half of the year was also approved [2]. - The bank's interest rate risk management report for the first half of the year received approval [2]. - The report on consumer rights protection execution for the first half of the year was approved [2]. - The third pillar information disclosure report for the first half of the year was approved [2]. - The report on the update of key models and parameters for expected credit loss for the second half of the year was approved [2]. Group 2: Policy and Regulation Updates - The board approved the revision of the reputation risk management regulations [3]. - The revision of anti-money laundering management regulations was also approved [3]. - A recovery plan for the bank was formulated and approved [3]. - A proposal for an annual disposal plan was approved [3]. Group 3: Dividend Distribution - The board approved the dividend distribution plan for preferred shares, with a cash dividend of RMB 4.56 per share (including tax), totaling RMB 228 million (including tax) [4].

Core Viewpoint - Guizhou Bank held its third meeting of the sixth supervisory board on August 25, 2025, to review various reports and proposals, all of which were approved unanimously by the supervisors [1][2][3][4]. Summary by Categories Meeting Details - The meeting was attended by all five supervisors, and it was conducted in accordance with relevant laws and the company's articles of association [1]. Resolutions Passed - The following proposals were reviewed and approved: 1. Half-year report and summary [2] 2. Comprehensive risk management report for the first half of the year [2] 3. Interest rate risk management report for the bank's books for the first half of the year [2] 4. Consumer rights protection execution report for the first half of the year [2] 5. Third pillar information disclosure report for the first half of the year [2] 6. Important model and key parameter updates for expected credit loss method for the second half of the year [3] 7. Revision of reputation risk management regulations [3] 8. Revision of anti-money laundering management regulations [3] 9. Formulation of annual recovery plan [4] 10. Formulation of annual disposal plan [4] 11. Approval of preferred stock dividend distribution plan, with a cash dividend of RMB 4.56 per share, totaling RMB 228 million [4].

Group 1 - The core point of the article is that Guiyang Bank held its third board meeting for the year 2025 on August 25, 2025, to review the consumer rights protection report for the first half of 2025 [1] - For the first half of 2025, Guiyang Bank's revenue composition shows that personal and corporate loans and advances accounted for 116.07%, interest income made up 65.16%, non-interest income was 5.08%, and fee and commission income represented 0.29% [1] - As of the report date, Guiyang Bank's market capitalization is 23.6 billion yuan [1] Group 2 - The A-share market has seen trading volumes exceed 2 trillion yuan for eight consecutive days, indicating a robust trading environment [1] - Major brokerage firms are actively recruiting for the autumn season, with 25 job positions available, highlighting the industry's demand for talent [1]

Core Viewpoint - Guiyang Bank aims to become a leading city commercial bank in the western region and a key supporter of new development in Guizhou, focusing on political and people-oriented financial work while leveraging digital transformation and distinctive operations to maintain competitive advantages and achieve balanced growth in scale, efficiency, and quality [1][2]. Financial Performance - In the first half of 2025, Guiyang Bank reported operating income of 6.501 billion yuan and net profit attributable to shareholders of 2.474 billion yuan, with total assets reaching 740 billion yuan, solidifying its position as the largest legal financial institution in Guizhou [1][2]. - The bank's total assets increased to 741.54 billion yuan by the end of June, a growth of 35.87 billion yuan or 5.08% from the beginning of the year [2]. Business Operations - Guiyang Bank's loan total reached 343.46 billion yuan, with a slight increase of 4.32 billion yuan or 1.27%, while deposits totaled 433.77 billion yuan, up 14.56 billion yuan or 3.47% [2]. - The bank has focused on supporting key areas of the local economy, with loans in new industrialization, urbanization, agricultural modernization, and tourism reaching 165.31 billion yuan, an increase of 4.46 billion yuan [3]. Risk Management - As of June, the non-performing loan ratio stood at 1.70%, better than the average for city commercial banks nationwide, with a capital adequacy ratio of 14.97% [4]. Digital Transformation - Guiyang Bank has deepened its digital transformation strategy, establishing a digital financial management department and launching a new mobile banking app, enhancing customer engagement and deposit growth [5][6]. - By the end of June, savings deposits reached 230.67 billion yuan, an increase of 16.12 billion yuan or 7.52%, with savings deposits contributing 53.18% of total deposits, up 2 percentage points [6]. Retail and Consumer Loans - The bank has optimized its consumer loan products, with "Shuangkuai Loan" increasing by 38% to 5.598 billion yuan [7]. - The personal housing loan balance reached 22.473 billion yuan, with an increase of 602 million yuan [7]. Comprehensive Financial Services - Guiyang Bank has enhanced its service offerings by restructuring its corporate business lines and developing a comprehensive financial service system, focusing on diverse customer needs [8][9]. - The bank has issued direct financing products totaling 24.85 billion yuan and provided financing support of 1.449 billion yuan through its "Shuangrong Chain" service model [9]. Strategic Development - The bank is actively developing green finance, with green loan balances reaching 34.242 billion yuan, and is expanding its offerings in technology and pension finance [10].

Core Viewpoint - Guiyang Bank reported a decline in both operating income and net profit for the first half of 2025, primarily due to reduced interest income from lending and decreased fair value gains from trading financial assets [1][2] Financial Performance - The bank achieved operating income of 6.501 billion yuan, a year-on-year decrease of 12.22% - Net profit attributable to shareholders was 2.474 billion yuan, down 7.20% year-on-year - Basic earnings per share were 0.68 yuan, with a weighted average return on equity of 7.92% (annualized) and a total asset return of 0.70% (annualized) [1] Business Scale - As of the end of the reporting period, total assets reached 741.536 billion yuan, an increase of 35.867 billion yuan or 5.08% since the beginning of the year - Total loans amounted to 343.461 billion yuan, up 4.319 billion yuan or 1.27% - Total deposits were 433.770 billion yuan, increasing by 14.562 billion yuan or 3.47% [2] Deposit Composition - Corporate deposits stood at 193.876 billion yuan, while savings deposits reached 230.665 billion yuan, with savings deposits increasing by 16.124 billion yuan or 7.52% - Savings deposits accounted for 53.18% of total deposits, up 2 percentage points from the beginning of the year [2] Asset Quality - The non-performing loan ratio was 1.70%, an increase of 0.12 percentage points from the beginning of the year - The bank reported a provision coverage ratio of 238.64% and a loan-to-deposit ratio of 4.05% [2] Capital Adequacy - Capital adequacy ratio was 14.97%, with a tier 1 capital adequacy ratio of 13.77% and a core tier 1 capital adequacy ratio of 12.73%, all meeting regulatory requirements [2]

Core Viewpoint - Guiyang Bank (601997) reported a decline in both operating income and net profit for the first half of 2025, primarily due to reduced interest income from lending and market fluctuations affecting financial assets [1] Financial Performance - The bank achieved operating income of 6.501 billion yuan, a year-on-year decrease of 12.22% [1] - The net profit attributable to shareholders was 2.474 billion yuan, down 7.2% year-on-year [1] - Basic earnings per share stood at 0.68 yuan [1] Reasons for Decline - The decline in operating income and net profit is attributed to: - Continuous concessions to the real economy, leading to lower interest income due to the downward adjustment of LPR rates and the reduction of interest rates on existing assets [1] - Decreased fair value gains from trading financial assets due to market volatility [1]

会议对如下议案进行了审议并表决： 证券代码：601997 证券简称：贵阳银行 公告编号：2025-036 优先股代码：360031 优先股简称：贵银优 1 贵阳银行股份有限公司第六届监事会 2025 年度第三次会议决议公告 本公司监事会及全体监事保证本公告内容不存在任何虚假记载、 误导性陈述或者重大遗漏，并对其内容的真实性、准确性和完整性承 担法律责任。 贵阳银行股份有限公司(以下简称公司) 于 2025 年 8 月 15 日以直 接送达或电子邮件方式向全体监事发出关于召开第六届监事会 2025 年 度第三次会议的通知，会议于 2025 年 8 月 25 日在公司总行 407 会议室 以现场方式召开。本次会议应出席监事 5 名，亲自出席监事 5 名。会议 由孟海滨监事长主持。会议的召开符合《中华人民共和国公司法》《中 华人民共和国证券法》等法律、行政法规、部门规章、规范性文件及《贵 阳银行股份有限公司章程》（以下简称《公司章程》）的有关规定。会议 所形成的决议合法、有效。 一、审议通过了《关于审议<贵阳银行股份有限公司 2025 年半年度 报告及摘要>的议案》 监事会认为： 1.公司 2025 年半年度报告的 ...

贵阳银行股份有限公司第六届董事会 2025 年度第三次会议决议公告 本公司董事会及全体董事保证本公告内容不存在任何虚假记载、 误导性陈述或者重大遗漏，并对其内容的真实性、准确性和完整性承 担法律责任。 贵阳银行股份有限公司(以下简称公司) 于 2025 年 8 月 15 日以 直接送达或电子邮件方式向全体董事发出关于召开第六届董事会 2025 年度第三次会议的通知，会议于 2025 年 8 月 25 日在公司总行 401 会议室以现场方式召开。本次会议应出席董事 10 名，亲自出席 董事 9 名，因工作原因，罗荣华独立董事和沈朝晖独立董事以视频连 线方式出席，张清芬董事委托周业俊董事表决。会议由张正海董事长 主持，监事会成员及高级管理人员列席了会议。会议的召开符合《中 华人民共和国公司法》《中华人民共和国证券法》等法律、行政法规、 部门规章、规范性文件及《贵阳银行股份有限公司章程》的有关规定。 会议所形成的决议合法、有效。 会议对如下议案进行了审议并表决： 一、审议通过了《关于审议<贵阳银行股份有限公司 2025 年半 年度报告及摘要>的议案》 表决结果：10 票赞成，0 票反对，0 票弃权。 -1- 本议案 ...

Financial Performance - For the first half of 2025, the company's operating income was RMB 6,500,773, a decrease of 12.22% compared to RMB 7,405,996 in the same period of 2024[21] - The net profit attributable to shareholders of the parent company for the first half of 2025 was RMB 2,474,388, down 7.20% from RMB 2,666,227 in the first half of 2024[21] - The company's operating profit for the first half of 2025 was RMB 2,580,181, reflecting a decline of 6.64% from RMB 2,763,834 in the same period last year[21] - The total profit for the first half of 2025 was RMB 2,580,014, a decrease of 6.61% compared to RMB 2,762,693 in the first half of 2024[21] - The basic earnings per share attributable to ordinary shareholders of the parent company for the first half of 2025 was RMB 0.68, down 6.85% from RMB 0.73 in the same period of 2024[21] - The company's operating revenue for the first half of 2025 was RMB 6,500,773, a decrease of 12.22% compared to RMB 7,405,996 in the same period of 2024[88] - Net profit attributable to shareholders of the parent company was CNY 2.47 billion, down CNY 0.19 billion or 7.20% year-on-year[122] - Interest income for the first half of 2025 was CNY 11.78 billion, a decrease of CNY 2.01 billion or 14.58% compared to the same period in 2024[127] - The bank's net interest income for the first half of 2025 was CNY 4.92 billion, a decrease of CNY 0.89 billion or 15.34% year-on-year[125] Cash Flow and Liquidity - The net cash flow from operating activities significantly increased to RMB 19,102,267, a 139.54% rise compared to RMB 7,974,716 in the first half of 2024[21] - The net cash flow per share from operating activities increased to 5.22, up 139.45% from 2.18[22] - The net cash flow from financing activities saw a remarkable increase of 669.20%, amounting to RMB 10,127,561 compared to RMB -1,779,250 in the previous year[88] - The bank has established a liquidity risk management framework, ensuring all liquidity regulatory indicators are met or exceeded, with no liquidity risk events occurring in the first half of the year[194] Assets and Liabilities - The total assets reached RMB 741.54 billion, representing a 5.08% increase from RMB 705.67 billion at the end of 2024[22] - The total liabilities increased by 5.55% to RMB 671.99 billion compared to RMB 636.63 billion at the end of 2024[22] - The total assets of the company reached CNY 696.82 billion, with the head office employing 1,426 staff members[152] - The total amount of pledged assets increased to 113,307,825 thousand RMB from 84,357,627 thousand RMB at the end of 2024[186] Risk Management - The company has effectively managed various operational risks, including credit risk and market risk, as detailed in the management discussion and analysis section[5] - The bank's risk management framework includes a comprehensive risk management system to ensure the safety and stability of all business operations[187] - The bank has implemented a comprehensive risk management approach, enhancing the identification, measurement, monitoring, and control of major risks[196] - The company has implemented a prudent risk classification approach, leading to an increase in the NPL ratio due to the deterioration of some existing customer risks[154] - The company is enhancing risk monitoring and management in the real estate sector to maintain overall risk control[160] Loans and Advances - The total loan amount was CNY 343.461 billion, increasing by CNY 4.319 billion or 1.27% year-to-date[41] - Corporate loans accounted for 82.87% of total loans, with a balance of 284,604,444 thousand RMB, while personal loans made up 15.34% with a balance of 52,695,790 thousand RMB[97] - The total amount of loans and advances reached 343,461,036 thousand RMB as of June 30, 2025, reflecting a 1.27% increase from 339,141,652 thousand RMB at the beginning of the year[96] - The non-performing loan ratio rose to 1.70%, an increase of 0.12 percentage points from 1.58%[26] - The total loan amount was CNY 343.46 billion, with a non-performing loan (NPL) balance of CNY 5.82 billion, resulting in an NPL ratio of 1.70%, an increase of 0.12 percentage points from the beginning of the year[154] Deposits - The total principal of deposits increased by 3.47% to RMB 433.77 billion from RMB 419.21 billion[22] - As of June 30, 2025, the total customer deposits amounted to CNY 433.77 billion, an increase of CNY 14.56 billion or 3.47% compared to the beginning of the year[115] - The savings deposit balance reached CNY 230.67 billion, up CNY 16.12 billion or 7.52%, accounting for 53.18% of total deposits, an increase of 2 percentage points[115] Investment Activities - The company's investment activities generated a net cash outflow of RMB -13,640,289, which is a significant increase in outflow compared to RMB -5,831,608 in the previous year[88] - Investment income for the first half of 2025 reached 1,739,430 thousand RMB, a 70.44% increase compared to 1,020,539 thousand RMB in the same period of 2024, primarily due to increased gains from other debt investments[95] - The total amount of bonds sold under repurchase agreements as of June 30, 2025, was CNY 19.33 billion, significantly up from CNY 7.84 billion at the end of 2024[121] Digital Transformation and Innovation - The company is focusing on digital transformation, enhancing its technology infrastructure to support business operations and improve efficiency[86] - The company launched several digital financial products, including "Shuangxin Tong" and "Cheng e Loan PLUS," enhancing customer service experience[87] - The company launched a new version of its mobile banking app, enhancing user experience and service capabilities[67] Corporate Strategy - The bank's strategy focuses on enhancing digital finance, green finance, and inclusive finance to meet diverse customer needs[48] - The company is focused on maintaining a multi-level, comprehensive financial service network to enhance its market presence[153] - The company has achieved full coverage of its branch network across all administrative regions in Guizhou province, enhancing its competitive advantage[46]

Core Viewpoint - Guiyang Bank reported a net profit of 2.47 billion RMB for the first half of the year [1] Financial Performance - The net profit for the first half of the year stands at 2.47 billion RMB, indicating the bank's financial health and operational efficiency [1]