Core Viewpoint - Bohai Bank has appointed Zhou Haoyu as the General Manager of the Custody Business Department [1] Group 1 - The appointment is part of the bank's strategic decision to enhance its management team [1] - Zhou Haoyu's role will focus on overseeing the custody business operations [1]

Core Insights - Bohai Bank's Fuzhou branch has successfully utilized supply chain finance to provide rapid financing solutions, processing 24 transactions totaling over 68 million yuan for 21 suppliers of a well-known sports brand within a single day [1] - The bank's approach enhances the stability and competitiveness of the entire supply chain by leveraging the credit of core enterprises, thereby addressing the financing challenges faced by small and micro enterprises [1][2] - Bohai Bank is focusing on digital transformation to improve the efficiency and customer experience of its inclusive finance services, achieving same-day processing for financing applications through an online platform [2] Supply Chain Finance Strategy - The bank has identified the financing difficulties of small and micro enterprises in the supply chain as a key area of focus, positioning supply chain finance as a core component of its inclusive finance strategy [2] - By utilizing core enterprise credit and breaking away from traditional collateral requirements, Bohai Bank has developed a service model that allows for seamless financing access for upstream suppliers [1][2] Digital Transformation and Efficiency - Bohai Bank is accelerating its digital transformation, enhancing the convenience and efficiency of its services through a fully online process for financing applications, document uploads, verification, and fund disbursement [2] - The implementation of big data risk control models allows for automatic verification of business authenticity, significantly speeding up the approval process [2] Future Development Plans - The bank aims to continue its development strategy of "doing true, doing small, doing well," focusing on key customer groups within core enterprise supply chains and ecosystem scenarios [3] - Bohai Bank is committed to strengthening technological empowerment and expanding the coverage and accessibility of its inclusive finance services [3]

Core Insights - The People's Bank of China announced the winners of the 2024 "Financial Technology Development Award," with Bohai Bank winning for its "Autonomous Construction Project of Financial Market Derivative Valuation Pricing Engine" [1] - This award reflects Bohai Bank's continuous efforts in financial technology and marks a significant step in its autonomous risk control capabilities in financial derivatives [1] Group 1 - Bohai Bank's project achieved a comprehensive breakthrough from underlying architecture to core algorithms, addressing issues of high costs and lack of transparency associated with externally purchased systems [2] - The project incorporated international advanced measurement models and adapted them to local market conditions, significantly improving the accuracy and efficiency of financial derivative valuations [2] - The successful development of the pricing engine breaks the long-standing reliance on external systems in complex financial engineering, establishing a genuine domestic pricing capability [3] Group 2 - The project resulted in efficient data integration and established a standardized, easily maintainable pricing environment, addressing common industry issues of data dispersion and integration difficulties [3] - The pricing engine features a fully parameterized configuration design, offering high flexibility and scalability to meet current valuation needs and future business innovations [3] - The award signifies recognition from regulatory bodies and the financial industry of Bohai Bank's technological strength and research capabilities, marking a significant milestone in its comprehensive financial technology capabilities [3] Group 3 - Bohai Bank aims to continue driving innovation through technology, enhancing its technological empowerment level, and contributing to the digital transformation and secure development of China's financial industry [4]

Core Viewpoint - The People's Bank of China awarded Bohai Bank the "Financial Technology Development Award" for its project on the autonomous construction of a financial market derivatives valuation and pricing engine, highlighting the bank's advancements in financial technology and risk control capabilities in derivatives [1][3]. Group 1: Award Recognition - Bohai Bank's achievement in winning the "Financial Technology Development Award" reflects its continuous efforts in the fintech sector and marks a significant step in enhancing its autonomous risk control capabilities in financial derivatives [1][3]. - The "Financial Technology Development Award," established by the People's Bank of China in 1992, represents the highest level of fintech innovation and industry recognition in China [1]. Group 2: Project Development - Bohai Bank has formed a multidisciplinary team combining financial engineering and technology to advance the autonomous development of its valuation and pricing engine, addressing issues such as high costs and lack of transparency associated with externally purchased systems [2]. - The project has achieved breakthroughs from the underlying architecture to core algorithms, significantly improving the accuracy and efficiency of financial derivatives valuation through comprehensive data governance and scenario-based modifications [2]. Group 3: Industry Impact - The successful development of the valuation and pricing engine has established a truly domestic pricing capability, reducing reliance on external systems and providing a replicable model for other institutions pursuing similar system localization [3]. - The project has created a standardized and maintainable pricing environment, addressing common industry challenges related to data integration and providing a solid data foundation for risk measurement [3]. Group 4: Future Outlook - Bohai Bank aims to continue driving innovation through technology, enhancing its capabilities in fintech, and contributing to the digital transformation and secure development of the Chinese financial industry [4].

Core Viewpoint - Bohai Bank has been awarded the "Annual Technology Innovation Bank" at the 2025 China Banking "Tianji Award" for its strategic layout and innovative practices in the field of financial technology [1] Group 1: Awards and Recognition - The "Tianji Award" aims to recognize outstanding practices and innovative achievements of financial institutions in key areas such as cross-border finance and wealth management [1] - Bohai Bank's recognition reflects its significant investment in financial technology and its commitment to integrating financial services with the real economy [1] Group 2: Strategic Initiatives - Bohai Bank has positioned financial technology as the "first engine" to support national strategies for becoming a technology and financial powerhouse [3] - The bank has established a leadership group to implement the "Five Major Articles of Finance" and has developed a plan to promote high-quality development in technology finance [3] Group 3: Product Offerings - Bohai Bank has launched specialized products like "Bohai Technology Fast Loan" to cater to the characteristics of small and medium-sized technology enterprises, focusing on intellectual property and R&D investments [3] - The bank's product matrix includes "Talent Loan," "Bohai e-Chain," and "Bohai Haina Pool," providing comprehensive financial services throughout the lifecycle of technology enterprises [3] Group 4: Regional Collaboration - Bohai Bank collaborates with government agencies and industry parks to create a supportive financing environment for technology enterprises, exemplified by the "Bohai Binhai New Area Points Loan" initiative [4] - This initiative has achieved nearly 100 million yuan in business scale, promoting technology achievement transformation and regional innovation [4] Group 5: Bond Issuance - Bohai Bank is a pioneer in the technology innovation bond sector, having underwritten multiple national first batch technology innovation bonds with a planned issuance scale exceeding 3 billion yuan [6] - The bank has also partnered with CITIC Securities to launch the first technology innovation bond basket in the Beijing-Tianjin-Hebei region, expanding financing channels for technology enterprises [6] Group 6: Future Outlook - Bohai Bank aims to deepen innovation in technology financial products and services, promoting the integration of production, education, research, and application to support high-quality development of technology enterprises [6]

Core Insights - Bohai Bank has launched the "Bohai Science and Technology Fast Loan" product to meet the financing needs of small and medium-sized technology enterprises, focusing on "strengthening the main body, supplementing the chain, and optimizing services" [1][2] - As of October 2025, the "Fast Loan" product has supported 36 enterprises with a total credit issuance of 339 million yuan, demonstrating its role in empowering the real economy and supporting technological innovation [1] - The product features efficient approval processes, flexible credit limits, adaptable loan terms, and a credit-driven approach, addressing the financing challenges faced by small tech enterprises [1][2] Financing Model - The "Bohai Science and Technology Fast Loan" employs a "technology flow" evaluation system that shifts the focus from tangible assets to intangible assets such as intellectual property, R&D investment, team strength, industry prospects, and government support [1][2] - This innovative approach allows for a new financing pathway for asset-light technology enterprises, moving from traditional asset-based lending to a technology and prospect-based trust logic [1] Service Mechanism - Bohai Bank's Tianjin branch has established a full-process service mechanism for the "Fast Loan," including a dedicated technology finance task force and a green approval channel for efficient collaboration [2] - The bank utilizes a specialized assessment model based on the technology scoring card, focusing on patent value, order conversion capability, and technology iteration prospects, ensuring precise pre-loan assessments and dynamic post-loan warnings [2] Case Study - A case example includes a national-level specialized "little giant" enterprise in Tianjin that faced financing challenges due to its asset-light nature. Bohai Bank quickly responded, conducting assessments and approvals within three days, ultimately providing a credit limit of 10 million yuan [2] Future Plans - Bohai Bank aims to continue enhancing its service to the real economy by optimizing the "technology flow" evaluation system, expanding service coverage, and deepening cooperation among government, banks, and enterprises to create a comprehensive service ecosystem [3]

Core Viewpoint - Bohai Bank has received approval to issue perpetual capital bonds, aimed at supplementing its Tier 1 capital [1] Group 1: Bond Issuance Details - The total scale of the bond issuance is RMB 10 billion [1] - The bonds will have a fixed interest rate of 2.37% for the first five years, with interest rate adjustments every five years thereafter [1] - The bonds will be recorded on November 18, 2025, and officially issued on November 20, 2025, with interest starting on the same day [1] Group 2: Regulatory Approvals - The issuance was approved by the National Financial Regulatory Administration and the People's Bank of China [1] - The bond issuance was reviewed and passed at the bank's first extraordinary general meeting of 2024 [1] Group 3: Use of Proceeds - The funds raised from this bond issuance will be used entirely to supplement the bank's other Tier 1 capital [1]

Core Viewpoint - Bohai Bank has received approval to issue a perpetual capital bond, aimed at supplementing its Tier 1 capital [1] Summary by Sections Bond Issuance Details - The total scale of the bond issuance is RMB 10 billion [1] - The bond will have a fixed interest rate of 2.37% for the first five years, with interest rate adjustments every five years thereafter [1] - The bond will be recorded on November 18, 2025, and officially issued on November 20, 2025, with interest starting on the same day [1] Purpose of Fundraising - The funds raised from this bond issuance will be used entirely to supplement the bank's other Tier 1 capital [1]

Core Viewpoint - Bohai Bank has successfully issued a perpetual capital bond approved by regulatory authorities, aimed at enhancing its Tier 1 capital [1] Group 1: Bond Issuance Details - The total scale of the bond issuance is RMB 10 billion [1] - The coupon rate for the first five years is set at 2.37%, with subsequent adjustments every five years [1] - The bond was recorded on November 18, 2025, and officially issued on November 20, 2025, with interest starting on the same day [1] Group 2: Use of Proceeds - The funds raised from this bond issuance will be entirely used to supplement the bank's other Tier 1 capital [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。 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） 關於無固定期限資本債券發行完畢的公告 渤海銀行股份有限公司（「本行」）董事會（「董事會」）欣然宣佈，經本行2024年第 一次臨時股東大會審議通過，國家金融監督管理總局和中國人民銀行批准，本行 於全國銀行間債券市場發行了「渤海銀行股份有限公司2025年無固定期限資本債 券」（「本次債券」）。本次債券於2025年11月18日簿記建檔，於2025年11月20日發 行完畢，並於2025年11月20日正式起息。 本次債券發行總規模為人民幣100億元，前5年票面利率為2.37%，每5年為一個票 面利率調整期，在第5年及之後的每個付息日附發行人有條件贖回權。 本次債券的募集資金將全部用於補充本行其他一級資本。 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 20 ...