Core Insights - Bohai Bank and Guangzhou Railway Group have entered a new phase of cooperation, focusing on financial innovation to alleviate freight costs and serve the real economy through the introduction of three supply chain financial products: "Bohai Freight Certificate," freight bills, and freight guarantees [1][2] Group 1: Financial Products and Services - The "Bohai Freight Certificate" is the core product designed to enhance customer experience and reduce financing costs through an online process and optimized risk pricing model [1][2] - Bohai Bank aims to create a comprehensive supply chain financial product system in collaboration with Guangzhou Railway Group, integrating financial services deeply into all aspects of railway transportation [1][2] Group 2: Industry Challenges and Solutions - The railway freight sector faces challenges such as high freight costs, significant capital occupation, and slow payment speeds, which the new financial products aim to address [1][2] - The introduction of these products aligns with the central government's goal of reducing overall logistics costs in society [1][2] Group 3: Future Outlook and Collaboration - Bohai Bank plans to continue promoting and optimizing logistics financial products, leveraging successful experiences in railway transportation to replicate and deepen these innovations [3] - Both Bohai Bank and Guangzhou Railway Group are committed to using continuous financial innovation to effectively lower logistics costs and contribute to high-quality economic development [3]

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10月31日 狀態: 新提交 第 1 頁 共 10 頁 v 1.1.1 FF301 FF301 致：香港交易及結算所有限公司 公司名稱: 渤海銀行股份有限公司 呈交日期: 2025年11月4日 I. 法定/註冊股本變動 | 1. 股份分類 | 普通股 | 股份類別 | H | | | 於香港聯交所上市 (註1) | | 是 | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 證券代號 (如上市) | 09668 | 說明 | | | | | | | | | | | 法定/註冊股份數目 | | | 面值 | | | 法定/註冊股本 | | | 上月底結存 | | | 6,200,555,000 | RMB | | 1 | RMB | | 6,200,555,000 | | 增加 / 減少 (-) | | | 0 | | | | RMB | | 0 | | 本月底結存 | | | 6,200,555,000 | RMB | | | ...

Core Insights - Bohai Bank reported mixed financial results for the first three quarters, with revenue declining by 2.64% year-on-year while net profit increased by 4.65% [2][3] Financial Performance - For the first three quarters, Bohai Bank's operating revenue reached 19.326 billion yuan, a decrease of 2.64% year-on-year; net profit was 4.988 billion yuan, an increase of 4.65% year-on-year [3] - In the first half of the year, the bank's operating revenue was 14.215 billion yuan, showing a growth of 8.14%, while net profit was 3.830 billion yuan, up by 3.61% [3] - As of the end of September, total assets amounted to 1.91 trillion yuan, a growth of 3.36% from the end of the previous year; total liabilities were 1.79 trillion yuan, increasing by 3.40% [3] Capital Adequacy - The capital adequacy ratio stood at 10.88%, down by 0.75 percentage points from the end of the previous year; the Tier 1 capital adequacy ratio was 8.99%, down by 0.31 percentage points; and the core Tier 1 capital adequacy ratio was 8.09%, down by 0.26 percentage points [3] Asset Quality and Management Changes - The bank did not disclose the asset quality status as of the end of the third quarter; however, as of June, the non-performing loan ratio had increased by 0.05 percentage points to 1.81%, which is above the industry average [4] - In July, the National Financial Regulatory Administration approved Qi Jun as the Chief Risk Officer, who has experience in risk management and non-performing asset disposal [4] - The bank's executive team has undergone changes, with three new vice presidents approved in February and a resignation in July [4]

Group 1 - The core point of the article is that Bohai Bank reported its financial performance for the nine months ending September 30, 2025, showing a decrease in operating income but an increase in net profit [1] Group 2 - Bohai Bank achieved operating income of 19.326 billion RMB, representing a year-on-year decrease of 2.64% [1] - The net profit for the same period was 4.988 billion RMB, which reflects a year-on-year increase of 4.66% [1]

Core Insights - Bohai Bank reported a revenue of 19.326 billion RMB and a net profit of 4.988 billion RMB for the nine months ending September 30, 2025 [1] Financial Performance - The bank's capital adequacy ratio stood at 10.88%, with a Tier 1 capital ratio of 8.99% and a core Tier 1 capital ratio of 8.09%, meeting regulatory requirements in China [1] - Total net capital amounted to 133.237 billion RMB, with Tier 1 capital netting at 110.094 billion RMB and core Tier 1 capital at 99.094 billion RMB [1] - The total risk-weighted assets reached 1,224.903 billion RMB [1] Capital Structure - As of September 30, 2025, the bank had a balance of 23 billion RMB in Tier 2 capital bonds and 11 billion RMB in perpetual capital bonds [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） 內幕消息 2025年9月30日止九個月的財務等信息 本公告乃由渤海銀行股份有限公司（「本行」）根據《香港聯合交易所有限公司證券 上市規則》第13.09條及《證券及期貨條例》（香港法例第571章）第XIVA部項下的 內幕消息條文（定義見上市規則）而作出。 本行董事會謹此知會本行股東及潛在投資者本行及其附屬公司（「本集團」）截至 2025年9月30日止九個月的財務等信息。 一、本集團截至2025年9月30日止九個月國際財務報告準則編製的未經審計 財務信息 | | 截至2025年 | | --- | --- | | | 9月30日止 | | | 九個月期間 | | | 人民幣千元 | | 營業收入 | 19,325,837 | | 淨利潤 | 4,988,076 | ...

Core Points - The event "Bohai Warm Chongyang Qingstone Health" was held by Bohai Bank's Changchun branch in collaboration with the Qingstone community, celebrating the Double Ninth Festival and showing care for the elderly [1][2] - The event featured performances from 15 artistic teams across 7 communities, including dances, choir performances, and instrumental music, creating a vibrant atmosphere [1][2] - A skit performed by the bank's staff addressed financial fraud issues faced by the elderly, enhancing their awareness of financial risk prevention [1] Summary by Sections - **Event Overview** - The event took place on October 29, coinciding with the national "Respect for the Elderly Month" [1] - It aimed to provide a cultural feast for elderly residents and convey care and respect [1] - **Cultural Activities** - The performances included various forms such as singing, dancing, and drama, which celebrated the country and evoked fond memories among the elderly [1] - The lively opening dance and subsequent performances created a joyful atmosphere, with the audience actively engaging [2] - **Financial Awareness Initiative** - The skit titled "If Happiness Knocks on the Door" focused on financial fraud, using simple language to explain prevention tips to the elderly [1] - This initiative aimed to safeguard the financial security of elderly participants [1] - **Future Plans** - Bohai Bank's Changchun branch plans to continue organizing various public welfare activities in collaboration with local communities to enhance the well-being of the elderly [2]

Core Viewpoint - The article emphasizes the role of "inclusive finance" in supporting the real economy and promoting common prosperity, as outlined in the central financial work conference's blueprint for a financial powerhouse [1]. Group 1: Company Initiatives - Bohai Bank actively implements the national rural revitalization strategy by enhancing inclusive financial services in rural areas, addressing challenges such as cumbersome procedures, high thresholds, and insufficient coverage [1]. - The bank has developed a tailored credit solution of 3 million yuan for the Laofulai Vegetable Cooperative, utilizing an innovative model of "policy agricultural guarantee + cooperative mutual guarantee" to overcome financing bottlenecks due to lack of collateral [5]. - Bohai Bank's "Bohai Agricultural Loan" product leverages financial technology to provide efficient, convenient, and affordable credit support to farmers, significantly reducing barriers to agricultural loans [8][10]. Group 2: Financial Product Impact - Since its launch in 2019, the "Bohai Agricultural Loan" has seen a cumulative interest rate reduction of 73 basis points, with the maximum loan amount increased from 150,000 yuan to 200,000 yuan, alleviating the financial burden on farmers [10]. - The total disbursement of the "Bohai Agricultural Loan" has exceeded 1.3 million transactions, amounting to nearly 900 million yuan, benefiting over 9,000 farmers and establishing itself as a key financial brand for the bank in supporting rural revitalization [10]. - The bank aims to continue enhancing the quality and efficiency of inclusive financial services, contributing to high-quality economic and social development during the 14th Five-Year Plan period [11].

Core Insights - Bohai Bank successfully underwrote the issuance of 200 million yuan in medium-term notes for Shandong Yiyang Health Industry Development Group, marking a significant step in supporting the elderly care industry [1][3] - The issuance has a term of three years with an interest rate of 1.96%, highlighting the bank's commitment to the "silver economy" [1][3] Group 1: Financial Support and Development - 50% of the funds raised from the medium-term notes will be used to repay interest-bearing debts related to the elderly care industry, including loans for health projects and procurement of applicable medical supplies [3] - The central financial work conference in 2023 emphasized the development of the "silver economy" and laid out important policies for financial support in this sector [3][4] - Bohai Bank is actively aligning its investment banking operations with national policies and has been involved in the development of innovative financial products to support the elderly care industry [3][4] Group 2: Personal Pension Services - Bohai Bank is one of the first commercial banks to obtain qualifications for personal pension business, demonstrating its proactive approach to social responsibility and service to the elderly [4] - As of June 2025, the bank's pension financial services have reached 1.438 million households, reflecting a 7% increase from the previous year [4] - The bank plans to enhance its bond products related to key areas and continue to promote the issuance of debt financing tools for the elderly care industry [4]

Core Insights - Bohai Bank has issued carbon reduction loans totaling 2.95 billion yuan to 13 projects under the support of carbon reduction support tools from the People's Bank of China [1] - The weighted average interest rate for these loans is 4.20%, contributing to an annual carbon reduction of 1.2371 million tons of CO2 equivalent [1] - The loans are specifically allocated for key areas such as clean energy, energy conservation, environmental protection, and carbon reduction technologies, supporting the goals of carbon peak and carbon neutrality [1] Summary by Categories - **Loan Issuance** - Bohai Bank has issued carbon reduction loans amounting to 2.95 billion yuan to 13 projects [1] - The loans are aimed at supporting carbon reduction initiatives [1] - **Financial Metrics** - The weighted average interest rate for the carbon reduction loans is 4.20% [1] - The annual carbon reduction achieved through these loans is 1.2371 million tons of CO2 equivalent [1] - **Project Focus** - The carbon reduction loans are designated for clean energy, energy conservation, environmental protection, and carbon reduction technologies [1] - The initiatives align with the broader objectives of achieving carbon peak and carbon neutrality [1]