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 ...

Core Insights - Bohai Bank Yantai Branch successfully tailored a comprehensive financial service solution combining "domestic letters of credit + forfaiting" to meet the financing needs of a technology enterprise, injecting 20 million yuan in inclusive trade financing this year [1][3][4] Group 1: Financial Service Innovation - The bank formed a specialized service team to conduct on-site research at the technology enterprise's production and R&D centers, leading to the innovative design of the financing solution [3] - The solution provided a solid credit backing for the enterprise's raw material procurement, significantly reducing the pressure of advance payment [3] - The forfaiting process allowed the enterprise to quickly realize accounts receivable, ensuring funds were directed towards production operations while simplifying payment processes [3] Group 2: Risk Management and Cost Efficiency - The financing model broke through collateral restrictions by focusing on real trade backgrounds and the credit of core enterprises, effectively addressing the "financing difficulty" faced by technology companies [3] - The use of forfaiting reduced the overall financing costs compared to traditional working capital loans, thereby alleviating the financial burden on the enterprise [3][4] Group 3: Commitment to Economic Development - This collaboration not only supports the stable development of the technology enterprise but also exemplifies Bohai Bank Yantai Branch's commitment to serving the real economy and innovating financial products [4] - The bank aims to further explore new risk control models that integrate core enterprise credit, trade document verification, and closed-loop funding, providing efficient financial solutions for similar small and medium-sized technology enterprises [4]

Group 1 - The core point of the article highlights that Bohai Bank's Fuzhou branch successfully facilitated financing for 21 upstream suppliers of a well-known sports brand through a supply chain finance model, with a total investment exceeding 68 million yuan in just one day [1] - The service not only alleviates financial pressure for small and medium-sized enterprises but also enhances the stability and competitiveness of the entire supply chain by leveraging the credit of core enterprises [1] - Bohai Bank has focused on addressing the financing challenges faced by small and micro enterprises in the supply chain, positioning supply chain finance as a key driver for inclusive financial development [1] Group 2 - The bank's online business process allows upstream suppliers to complete financing applications and related operations without offline efforts, achieving the fastest "same-day completion" from application to fund disbursement [2] - Utilizing big data risk control models and cross-verification of transaction data, the bank enhances the efficiency of the approval process [2] - Currently, Bohai Bank's customer acquisition ratio through core enterprises is as high as 1:10, with over 90% of new inclusive customers being driven by this model [2]

Core Insights - Small and micro enterprises are crucial to the real economy, contributing over 50% of tax revenue, 60% of GDP, 70% of technological innovations, 80% of urban employment, and 90% of the total number of enterprises, yet they face persistent challenges in financing [1] - The traditional credit model's reliance on collateral and cumbersome offline processes makes it difficult for small suppliers to obtain timely financial support, especially in the context of supply chain ecosystems [1][2] - Recent initiatives by Bohai Bank demonstrate the effectiveness of supply chain finance in enhancing capital efficiency and supporting the real economy, as evidenced by the rapid financing of over 68 million yuan for 21 suppliers in just one day [1][2] Company and Industry Developments - Bohai Bank has developed a service model that leverages the credit of core enterprises, allowing for a "core enterprise credit penetration + fully online process" approach to address the financing needs of upstream suppliers [2] - The bank's digital transformation includes a fully digitized process from financing application to fund disbursement, enabling some transactions to be completed on the same day, thus improving efficiency [2] - As of the end of 2024, Bohai Bank served 2,634 supply chain enterprises, a year-on-year increase of 126.8%, with supply chain financial product issuance reaching 257.19 billion yuan, up 36.69% year-on-year [3]

Core Insights - Bohai Bank's Fuzhou branch has successfully utilized supply chain finance to provide rapid financing solutions for a well-known sports brand's upstream suppliers, completing 24 transactions totaling over 68 million yuan in just one day, showcasing efficiency in serving small and micro enterprises [1] - The bank's approach leverages the credit of core enterprises to enhance the financing capabilities of upstream suppliers, effectively addressing the challenges of traditional financing methods that rely heavily on collateral [1][2] - Bohai Bank is committed to digital transformation, enhancing the efficiency and customer experience of its inclusive finance services through a fully online process, allowing suppliers to complete financing applications and receive funds without the need for offline interactions [2] Business Strategy - As a rising force among state-owned financial institutions, Bohai Bank focuses on the development strategy of "doing true, doing small, doing well," emphasizing the importance of core enterprise supply chains and ecosystem scenarios [3] - The bank aims to strengthen technological empowerment and promote digital inclusive finance, thereby increasing service efficiency and expanding the coverage and accessibility of inclusive financial services [3] - The bank's efforts have resulted in a high customer acquisition ratio of 1:10 through core enterprises, with over 90% of new inclusive customers being driven by this model [2]