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） （其地址為 ） 為本人╱吾等之代理人，代表本人╱吾等出席於2025年11月14日（星期五）下午2時於中國天津市河東區海河東路218號渤海銀行 大廈6702會議室舉行的2025年第三次臨時股東大會（「臨時股東大會」），並於該會代表本人 ╱ 吾等依照下列指示就臨時股東大會 通告所列的決議案投票；如無作出指示，則本人╱吾等之代理人可酌情投票。除文義另有所指外，本表格所用詞彙與本行日期為 2025年10月24日的通函所界定者具有相同涵義。 | | （附註5） 普通決議案 | （附註6） 贊成 | （附註6） 反對 | （附註6） 棄權 | | --- | --- | --- | --- | --- | | 1. | 「動議： | | | | | | (a) 審議並批准建議由本行以公開掛牌方式在建議授權（定義見下文）和授 | | | | | | 權有效期（定義見下文）內分批次單戶轉讓或批量出售本行轉讓資產 | | | | | | （包括轉讓本金、對應利息罰息、代墊司法費用）（「轉讓資產」）（「建議 | ...

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通告的內容概不負責，對其準確性或完整性亦 不發表任何聲明，並明確表示，概不對因本通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. 於2025年第三次臨時股東大會上亦將聽取段文務先生辭去本行非執行董事 職務的報告（書面報告）。 2025年第三次臨時股東大會通告 茲通告渤海銀行股份有限公司（「本行」）謹訂於2025年11月14日（星期五）下午2 時於中國天津市河東區海河東路218號渤海銀行大廈6702會議室舉行2025年第三次臨 時股東大會（「2025年第三次臨時股東大會」），以審議並酌情批准下列決議案： 普通決議案 – 1 – 1. 「動議： (a) 審議並批准建議由本行以公開掛牌方式在建議授權（定義見下文）和 授權有效期（定義見下文）內分批次單戶轉讓或批量出售本行轉讓資 產（包括轉讓本金、對應利息罰息、代墊司法費用）（「轉讓資產」） （「建議出售事項」）； (b) 審議並批准建議本行股東於股東大會上預先授予本行董事會以公開掛 牌方式進行及完成建議出售事項一般授權（「建議授權」） ...

此乃要件 請即處理 閣下如對本通函任何方面或應採取之行動有任何疑問，應諮詢 閣下之股票經紀或其他註冊證券商、銀行 經理、律師、專業會計師或其他專業顧問。 閣下如已將名下之渤海銀行股份有限公司股份全部售出或轉讓，應立即將本通函交予買主或承讓人，或經 手買賣或轉讓之註冊證券商或註冊證券機構或其他代理商，以便轉交買主或承讓人。 本通函僅供參考，並不構成收購、購買或認購本行證券之邀請或要約。 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通函的內容概不負責，對其準確性或完整性亦 不發表任何聲明，並明確表示，概不對因本通函全部或任何部份內容而產生或因依賴該等內容而引致之任 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） 有關以公開掛牌方式進行 潛在非常重大出售事項之建議授權 選舉崔宏琴女士擔任非執行董事 及 2025年第三次臨時股東大會通告 本封面頁所用詞彙與本通函所界定者具有相同涵義。 董事會函件載於本通函第4至20頁。 本行謹訂於2025年11月14日（星期五）下午2時舉行2025年第三次臨時 ...

Core Viewpoint - The successful issuance of the second phase of medium-term notes by Shandong Yiyang Health Industry Development Group, underwritten by Bohai Bank, marks a significant step in supporting the elderly care industry and highlights the bank's commitment to the "silver economy" [1][2]. Group 1: Financial Instrument Details - The medium-term notes amount to 200 million yuan, with a maturity of 3 years and an issuance interest rate of 1.96% [1]. - 50% of the raised funds will be used to repay interest-bearing debts related to the elderly care industry, including loans for health projects and procurement of applicable medicines and medical devices [2]. Group 2: Policy and Strategic Alignment - The issuance aligns with the central government's initiatives to develop the "silver economy," as highlighted in the 2023 Central Financial Work Conference and the 2024 guidelines from the People's Bank of China and other departments [2]. - Bohai Bank is actively participating in the bond market's development and has been promoting policies to support the elderly care industry through tailored financing solutions [2]. Group 3: Service Expansion and Future Plans - As one of the first commercial banks to obtain personal pension business qualifications, Bohai Bank has expanded its pension financial services, reaching 1.438 million elder clients, a 7% increase from the previous year [3]. - The bank plans to enhance its bond products related to key areas and continue to support the elderly care industry, contributing to the sustainable development of the "silver economy" [3].

Core Viewpoint - Bohai Bank plans to transfer a debt package totaling 69.833 billion yuan through public listing, setting a record for the largest single debt transfer disclosed by a small and medium-sized bank this year, amid pressure on asset quality [2][3] Group 1: Debt Transfer Details - The debt package consists of principal of 49.937 billion yuan, interest of 10.436 billion yuan, penalty interest of 9.334 billion yuan, and judicial fees of 0.126 billion yuan, involving 174 debtors [3] - The minimum transfer price is set at 48.883 billion yuan, reflecting a discount of approximately 30% based on the total debt amount and a discount of only 1.8% based on principal [3][5] Group 2: Asset Quality and Financial Impact - Bohai Bank's non-performing loan (NPL) ratio reached 1.81%, the highest among national joint-stock banks, with total NPLs and special mention loans amounting to 45.034 billion yuan, an increase of 2.491 billion yuan from the end of 2024 [6][7] - The bank's capital adequacy ratio decreased by 0.39 percentage points to 11.24%, and the transfer is expected to generate a positive financial impact of 0.573 billion yuan [7] Group 3: Industry Trends - Since Q4 2025, multiple small and medium-sized banks have engaged in large-scale non-performing asset disposals, with significant debt packages becoming mainstream, typically with discounts between 30% and 35% [8] - The operational focus of these banks is to release capital for new business opportunities, such as inclusive finance and green credit [8]

Core Points - Bohai Bank's Wuhan branch has been fined 743,000 yuan for multiple violations, including account management and anti-counterfeit currency regulations [2][3] - The bank has received a total of 12 fines this year, primarily affecting its first-level branches and direct branches [4] Summary by Category Regulatory Violations - The Wuhan branch was penalized for five specific violations: failure to comply with account management regulations, financial technology management regulations, anti-counterfeit currency management regulations, credit security management regulations, and customer identity verification obligations [3] - Two responsible individuals from the Wuhan branch were also fined for failing to meet customer identity verification requirements, with fines of 15,000 yuan and 11,000 yuan respectively [3] Financial Performance - In the first half of the year, Bohai Bank reported operating income of 14.215 billion yuan, an increase of 8.14% year-on-year, and a net profit of 3.83 billion yuan, up 3.61% year-on-year [4] - As of the end of June, the bank's total assets amounted to 1.8238 trillion yuan, a decrease of 1.09% from the end of the previous year, with a non-performing loan ratio of 1.81%, an increase of 0.05 percentage points [4] Fines Overview - The bank has received 12 fines this year, with the highest fine being 950,000 yuan imposed on its Taiyuan branch for inadequate credit investigation and employee management [4]

Core Viewpoint - Commercial banks are accelerating the disposal of non-performing assets (NPAs) amid economic downturn pressures and ongoing real estate risks, with Bohai Bank planning to transfer nearly 500 billion yuan in principal debt assets through public listing [1][2]. Asset Structure Optimization - Bohai Bank's recent announcement indicates plans to transfer 174 debt claims totaling 499.37 billion yuan in principal, with additional interest and penalties bringing the total to nearly 700 billion yuan [2]. - The minimum total price for the assets is set at approximately 488.83 billion yuan, which is about 70% of the total debt claims [2]. - The majority of the debt claims involve loan debts, with 318.78 billion yuan in principal, and a significant portion of the claims being over 3 to 5 years old or older [2]. - The bank aims to improve asset quality, optimize asset structure, and enhance capital adequacy and profitability through this asset sale [2]. Historical Context of NPA Disposal - This is not the first instance of Bohai Bank's large-scale NPA disposal; in July 2024, the bank announced the transfer of 53 debt claims totaling 256.05 billion yuan, which were sold for 207.24 billion yuan [3]. - In March 2024, the bank also transferred assets worth 56.67 billion yuan, with a final sale price of 39.67 billion yuan [3]. - The increase in NPA transfers is attributed to rising corporate default rates due to economic pressures and stricter regulatory requirements for NPA disposal [3][4]. Trends in NPA Disposal - The trend of increasing NPA transfers is observed across various commercial banks, with factors such as expanded trial institutions for personal loan transfers and improved asset disposal strategies contributing to this trend [7][8]. - The average discount rate for NPA transfers is declining, with some assets experiencing auction failures due to market conditions [8][9]. - The market is seeing a diversification of participants in NPA transfers, including non-bank financial institutions and local asset management companies [8][9]. Recommendations for Future Actions - Commercial banks are encouraged to refine asset classification and explore diversified disposal channels while enhancing pre-loan risk control and post-loan collaboration [10]. - The application of technologies such as AI and blockchain in due diligence and collection processes is recommended to improve asset transparency and disposal efficiency [10].

Group 1 - Bohai Bank has decided to dismiss Guo Dewei from the position of General Manager of the Custody Business Department, effective immediately [1] - Guo Dewei is set to retire following this decision [1]

（文章来源：21世纪经济报道） 这是上合组织天津峰会后"上合组织伙伴"首单落地的熊猫债。截至目前，渤海银行年内已承销熊猫债15 只、合计67亿元，继续排名全国性股份制商业银行首位。 10月15日，渤海银行作为主承销商，成功为阿联酋沙迦酋长国（由沙迦财政部代表）承销20亿元外国政 府类熊猫债。该债券期限3年、票面利率2.70%，认购倍数1.77倍，资金将用于沙迦酋长国预算支出及基 建领域，助力"一带一路"建设。 ...

Core Viewpoint - The announcement of a large asset transfer by Bohai Bank is seen as a positive move to optimize asset structure and mitigate potential risks, reflecting the bank's strategic adaptability in a challenging environment [1] Group 1: Asset Transfer and Strategy - The asset transfer is beneficial for banks as it helps in optimizing asset structure and shedding potential risks [1] - Bohai Bank has actively adapted to new trends in the banking industry by restructuring its strategies to focus on stabilizing scale, adjusting structure, increasing revenue, and reducing costs [1] - The bank's proactive asset transfer has effectively reduced risks while optimizing its business structure and enhancing efficiency [1] Group 2: Financial Performance - In 2024, Bohai Bank achieved a revenue of RMB 25.482 billion, a year-on-year increase of 1.94%, and a net profit of RMB 5.256 billion, up 3.44% [3] - For the first half of 2025, the bank reported a revenue of RMB 14.215 billion, a growth of 8.14%, and a net profit of RMB 3.830 billion, increasing by 3.61% [3] - The cost-to-income ratio for the first half of 2025 was 32.17%, a reduction of 6.52 percentage points compared to the same period in 2023 [3] Group 3: Risk Management - Bohai Bank has enhanced its risk management by actively addressing challenges and increasing the disposal of non-performing assets, achieving a record high in problem asset recovery [4] - The bank has taken the lead in clearing high-risk internet lending businesses, demonstrating a proactive approach to risk management [4] - Standard & Poor's has upgraded the bank's rating outlook from negative to stable due to its effective risk control strategies [4] Group 4: Strategic Positioning - Bohai Bank emphasizes long-term development over short-term gains, focusing on quality improvement rather than scale [2][3] - The bank has aligned its business positioning with national strategies and technological trends, enhancing its competitive advantages [5][6] - As of the first half of 2025, the bank's loans to technology enterprises reached RMB 71.252 billion, a 51.28% increase from the previous year, while loans to the manufacturing sector and green loans also saw significant growth [6]