Financial Performance - China Bohai Bank reported a stable overall performance with net profit growth, achieving a year-on-year increase of 5%[13] - The bank's total assets reached RMB 1.5 trillion, reflecting a growth of 8% compared to the previous year[13] - Operating revenue for 2025 reached RMB 25,969,603 thousand, a 1.92% increase from RMB 25,481,589 thousand in 2024[41] - Pre-tax profit increased by 4.49% to RMB 5,572,604 thousand compared to RMB 5,333,030 thousand in 2024[41] - Net profit rose by 4.61% to RMB 5,498,206 thousand from RMB 5,255,815 thousand in 2024[41] - The bank aims to achieve high-quality development by focusing on precise management and enhancing service efficiency in 2026[18] Asset Quality - The non-performing loan (NPL) ratio improved to 1.5%, down from 1.7% in the previous year, indicating enhanced asset quality[13] - The non-performing loan ratio improved to 1.66%, a decrease of 0.1 percentage points from the previous year[17] - The non-performing loan balance decreased to RMB 15.92 billion, with a non-performing loan ratio of 1.66%, down 0.1 percentage points from the previous year[54] - The provision coverage ratio stands at 162.16%, with a loan provision rate of 2.68%, achieving stable asset quality and resilience against expected credit risks[193] Capital and Liquidity - The bank's capital adequacy ratio stood at 12.5%, above the regulatory requirement, ensuring financial stability[13] - The capital adequacy ratio increased to 12.48%, up by 0.85 percentage points from 11.63% in 2024[43] - The liquidity ratio of the group is 84.62%, liquidity coverage ratio is 156.73%, net stable funding ratio is 115.08%, and liquidity matching ratio is 126.90% as of the end of the reporting period[199] - The bank employs a centralized management model for liquidity risk, with strategies and policies defined by the board of directors[196] Customer Growth and Engagement - User data showed an increase in active accounts by 10% year-on-year, reaching 20 million active users[13] - The total number of customers reached 135,100, an increase of 13.53% compared to the end of the previous year[152] - Retail customer base grew by 6.93%, with high-end customers increasing by 10.64%[166] Strategic Initiatives - The bank plans to expand its market presence by opening 50 new branches in key cities across China in 2026[13] - Future guidance indicates a targeted net profit growth of 6-8% for 2026, driven by strategic initiatives and market expansion[13] - The bank's strategic focus includes deepening the implementation of the "9531" strategy to achieve balanced optimization of multiple goals[17] Technology and Innovation - Investment in technology and digital banking solutions increased by 15%, aimed at enhancing customer experience and operational efficiency[13] - The company launched a new generation of comprehensive fund management systems, enhancing operational efficiency and risk management capabilities[170] - The company has successfully launched several AI applications in key areas such as risk control and customer service, contributing to its operational efficiency[185] Awards and Recognition - The bank received multiple awards in 2025, including the Best Supply Chain Financial Product Innovation Award and the Best Trade Finance Product Innovation Bank Award[23] - The bank has been recognized as an "Innovative Leading Pioneer Institution" by the China Bond Financial Valuation Center for 2025[26] - The bank's mobile banking channel was awarded the 2025 Mobile Banking Channel Collaboration Pioneer Award by the China International Financial Certification Center[30] Risk Management - The bank is committed to strengthening risk management frameworks to support its transformation and development goals[13] - The bank has established a comprehensive risk management system with three lines of defense, ensuring effective risk management responsibilities across all levels[191] - The bank has launched a collateral management system covering 13 modules and 49 functions, enhancing risk control throughout the collateral lifecycle[194] Financial Investments - Financial investments totaled RMB 743.76 billion, up 6.18% from the previous year, with a notable increase in investments measured at fair value through other comprehensive income[98] - The bank's treasury management services achieved a settlement volume of CNY 171.6 billion, covering 204 enterprises across 16 provinces[160] Deposits and Loans - Total deposits rose by 6.54% to RMB 1,114,458,209 thousand from RMB 1,046,088,795 thousand in 2024[41] - The total amount of loans and advances (including discounts) was RMB 961.73 billion, reflecting a growth of 2.70% year-on-year[95] - The total amount of corporate loans and advances was RMB 712.41 billion, with an NPL ratio of 1.15%[131] International Operations - International settlement volume exceeded USD 100 billion, representing a 48% year-on-year growth[159] - The bank's cross-border financial services were enhanced, establishing a direct participation qualification in the CIPS system[159]

Core Viewpoint - The news highlights the strategic initiatives of Bohai Bank to enhance its financial services in support of the real economy and cross-border trade, aligning with national policies and economic growth targets. Group 1: Economic Growth and Financial Strategy - The government work report emphasizes the need to focus on the real economy and develop new productive forces, with a target economic growth rate of 4.5% to 5% for the year [1] - Bohai Bank aims to innovate financial products and services to support foreign trade and investment, transitioning from a passive to an active role in financial service delivery [1] Group 2: Cross-Border Trade Initiatives - Bohai Bank has launched the Free Trade Accounting Unit (FTU) model, which enhances its financial service capabilities and aligns with the requirements for free trade financial infrastructure [2] - The FTU model aims to improve centralized management and risk control in cross-border trade, facilitating the "going out" and "bringing in" of enterprises [2] Group 3: Financial Product Optimization - The bank has optimized its "Cross-Border Free Trade Pass" product system to integrate with FT account functions, covering various financial scenarios [3] - Bohai Bank has become the first legal entity bank in Tianjin to directly access the national CIPS infrastructure, enhancing its cross-border payment capabilities [3] Group 4: Support for Advanced Manufacturing - Bohai Bank is actively supporting the transformation of the advanced manufacturing sector, particularly through a strategic partnership with XPeng Motors to create a supply chain financial service platform [4] - The bank's collaboration with XPeng Motors leverages its experience with major automotive companies to provide tailored financial solutions [5] Group 5: Financial Performance and Future Goals - By the end of 2025, Bohai Bank's supply chain finance has supported 28 leading automotive enterprises with a total credit support nearing 40 billion yuan, and an annual financing scale of approximately 330 billion yuan, reflecting a year-on-year growth of over 27% [5] - The bank aims to enhance its operational management and focus on key industries such as artificial intelligence and new energy, while building a "financial + scenario" ecosystem to support the real economy [6]

Core Viewpoint - Bohai Bank has received approval from the National Financial Regulatory Administration for the appointment of Ms. Cui Hongqin as a non-executive director of the bank's sixth board of directors, effective from March 23, 2026 [1] Group 1 - Ms. Cui Hongqin will also serve as a member of the Board Development Strategy and Inclusive Finance Committee [1] - Mr. Duan Wenwu will no longer serve as a non-executive director and committee member from the same date [1]

Group 1 - The core point of the article is the approval of Cui Hongqin's appointment as a non-executive director of Bohai Bank by the National Financial Regulatory Administration [1] - Cui Hongqin will also serve as a member of the bank's Development Strategy and Inclusive Finance Committee starting from March 23, 2026 [1] - Mr. Duan will no longer serve as a non-executive director and committee member from the same date [1]

CHINA BOHAI BANK CO., LTD. 執行董事： 王錦虹先生 （董事長） 屈宏志先生 非執行董事： 歐兆倫先生 （副董事長） 元微女士 崔宏琴女士 胡愛民先生 張雲集先生 獨立非執行董事： 謝日康先生 岑紹雄先生 王愛儉女士 劉駿民先生 劉瀾飈先生 歐陽勇先生 渤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） 董事名單及其角色與職能 渤海銀行股份有限公司的董事（「董事」）會（「董事會」）成員載列如下： 2 1 董事會已設立五個委員會。下表提供各董事會成員在該等委員會中擔任的職位信 息。 | | 委員會 | 風險管理 | 關聯交易 | 審計和消費者 | | 發展戰略和 | | --- | --- | --- | --- | --- | --- | --- | | | | 和綠色金融 | 控制 | 權益保護 | 提名薪酬 | 普惠金融 | | 董事 | | 委員會 | 委員會 | 委員會 | 委員會 | 委員會 | | 王錦虹先生 | | | | | 委員 | 主任委員 | | 屈宏志先生 | | 委員 | 委員 | | | 委員 | | 歐兆倫先生 | | 委員 | 委員 | 委 ...

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分內容而產生或因倚 賴該等內容而引致的任何損失承擔任何責任。 承董事會命 渤海銀行股份有限公司 王錦虹 董事長 中國• 天津 2026年3月25日 於本公告日期，本行董事會成員包括執行董事王錦虹先生及屈宏志先生；非執行 董事歐兆倫先生、元微女士、崔宏琴女士、胡愛民先生、張雲集先生；以及獨立 非執行董事謝日康先生、岑紹雄先生、王愛儉女士、劉駿民先生、劉瀾飈先生及 歐陽勇先生。 （股份代號：9668） 變更非執行董事 茲提述渤海銀行股份有限公司（「本行」）日期為2025年10月10日之公告、日期為 2025年10月24日之2025年第三次臨時股東大會通函（「該通函」）及日期為2025年 11月14日之2025年第三次臨時股東大會投票表決結果公告，內容有關（其中包括） 段文務先生辭任本行非執行董事及選舉崔宏琴女士擔任本行非執行董事。除另有 界定者外，本公告所用詞彙與該通函所界定者具有相同涵義。 本行於近日收到《國家金融監督管理總局關於崔宏琴渤海銀行董事任職資格的批 覆》 ...

Core Viewpoint - Bohai Bank has been awarded the "Outstanding Anti-Fraud Case" for its comprehensive anti-fraud system that protects financial consumers' assets through technology, collaboration, and education [1][6]. Group 1: Technology Empowerment - Bohai Bank utilizes advanced technologies such as big data and artificial intelligence to create an intelligent anti-fraud risk control model that monitors transactions 24/7 across all channels [2][8]. - The bank has established the "Tianjin Anti-Fraud Data Sharing and Exchange Platform," enabling real-time communication between the bank and law enforcement, facilitating quick verification of suspicious transactions [2][8]. Group 2: Police-Bank Collaboration - Bohai Bank collaborates with local police and anti-fraud centers to conduct educational campaigns in communities, schools, and senior centers, promoting awareness of fraud tactics [3][9]. - The bank has organized the "Bohai Bank Cup" Tianjin Anti-Fraud Short Video Competition, collecting 3,675 entries and achieving over 140 million views, enhancing the reach and effectiveness of anti-fraud education [3][9]. Group 3: Consumer Awareness and Education - Bohai Bank has published case compilations to analyze real fraud cases, focusing on key areas such as credit repair and investment scams, to improve consumer awareness [4][10]. - The bank has produced educational content, including the award-winning short video "Anti-Fraud Analysis," which conveys essential anti-fraud knowledge and promotes the concept of collaboration between police and banks [4][10]. Group 4: Practical Outcomes - In 2025, Bohai Bank implemented protective measures for 32,000 suspected victims, successfully recovering over 400 million yuan in potential losses and preventing illegal fund transfers [5][11]. - The establishment of the anti-fraud system has enhanced the bank's consumer protection framework and reinforced its commitment to being a responsible financial institution [5][11].

Group 1 - The board meeting of Bohai Bank (09668.HK) is scheduled for March 26, 2026, to consider and approve the annual performance for the year ending December 31, 2025, along with its release [1] - The meeting will also consider the proposal for the distribution of a final dividend, if any [1]

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分內容而產生或因倚 賴該等內容而引致的任何損失承擔任何責任。 CHINA BOHAI BANK CO., LTD. 渤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：9668） 渤海銀行股份有限公司 王錦虹 董事長 中國‧天津 2026年3月16日 於本公告日期，董事會成員包括執行董事王錦虹先生及屈宏志先生；非執行董事 歐兆倫先生、元微女士、段文務先生、胡愛民先生及張雲集先生；以及獨立非執 行董事謝日康先生、岑紹雄先生、王愛儉女士、劉駿民先生、劉瀾飈先生及歐陽 勇先生。 董事會會議通告 渤海銀行股份有限公司（「本行」）之董事會（「董事會」）宣佈，董事會會議將於 2026年3月26日（星期四）舉行，藉以（其中包括）考慮及批准本行及其附屬公司截 至2025年12月31日止之全年業績及其發佈，並考慮建議派發末期股息（如有）。 承董事會命 ...

Core Viewpoint - Bohai Bank actively responds to the call of the National Financial Supervision Administration by launching a financial consumer rights protection education campaign themed "Clear Financial Network Guards Safe Consumption" to enhance consumer rights and safety in financial services [2][10]. Group 1: Campaign Initiatives - The campaign started on March 9, focusing on optimizing the consumption environment and safeguarding consumer rights through various educational activities [2]. - Bohai Bank employs innovative and differentiated financial education models, utilizing external resources to address consumer concerns and enhance financial literacy [2][5]. - The bank's activities include interactive games and engaging formats to present complex financial terms and common traps in an accessible manner [3]. Group 2: Integration with Other Sectors - Bohai Bank integrates financial consumer protection with community services, culture, and technology, creating a more impactful financial education framework [5]. - The bank collaborates with local communities and law enforcement to establish a comprehensive financial consumer protection service system [5]. - Cultural elements from ancient texts are utilized to enhance the cultural appeal of financial education [5]. Group 3: Targeted Outreach - The campaign specifically targets groups such as truck drivers, ride-hailing drivers, delivery personnel, and couriers, providing tailored financial education and support [7]. - Digital platforms are used to deliver financial knowledge directly to these groups, enhancing their awareness of financial risks [7][8]. - Physical "warm stations" are set up in various locations to provide resources and education materials for these workers [7]. Group 4: Recognition and Future Plans - Bohai Bank has received industry recognition for its efforts in consumer rights protection, winning the "Outstanding Case in Financial Anti-Fraud" award [10]. - The bank plans to continue its consumer protection initiatives throughout the year, embedding these efforts into all aspects of its operations [10].