中国医药健康产业股份有限公司 关于为控股公司提供担保的公告 本公司董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈述或者重大遗漏，并对其内容 的真实性、准确性和完整性承担法律责任。 重要内容提示： ● 担保对象及基本情况 （一）担保的基本情况 根据统筹考虑授信资源的安排，结合控股公司实际业务需要，中国医药健康产业股份有限公司（以下简 称"公司"）向招商银行股份有限公司南昌分行出具《最高额不可撤销担保书》，为南华通用办理商业汇 票、信用证和保函/票据保付等业务提供担保，本次担保最高额金额为10,000万元。公司持有南华通用 49%股权，按照公司章程约定，表决权比例为51%，南华通用系公司控股公司。 （二）内部决策程序 证券代码：600056 证券简称：中国医药 公告编号：临2026-019号 三、担保协议的主要内容 公司向招商银行股份有限公司南昌分行出具编号为：791XY260127T000190的《最高额不可撤销担保 书》，为控股公司南华通用办理商业汇票、信用证和保函/票据保付等业务提供担保。担保最高额金额 ■ ● 累计担保情况 ■ 一、担保情况概述 二、被担保人基本情况 （一）基本情况 公司分别于 ...

Overview of Guarantees - The company has provided guarantees for its subsidiaries, including both direct and indirect guarantees, with a total expected guarantee amount for 2026 not exceeding RMB 4 billion (including equivalent foreign currency) [6][22]. - The guarantees are aimed at improving the efficiency of applying for comprehensive credit limits from banks and meeting operational and business development needs [6][21]. Specific Guarantee Agreements - On January 20, 2026, the company's wholly-owned subsidiary, Jiangsu Shengjian Environmental Equipment Co., Ltd., signed a guarantee contract with Industrial and Commercial Bank of China, with a maximum principal debt of RMB 30 million [1][9]. - On January 27, 2026, Jiangsu Shengjian signed a maximum guarantee contract with Shanghai Bank, with a maximum principal debt of RMB 340 million [2][14]. - On the same day, the company signed a similar contract with Shanghai Bank for its subsidiary, Shanghai Shengjian Semiconductor Technology Co., Ltd., with a maximum principal debt of RMB 80 million [3][18]. - On January 28, 2026, the company signed a guarantee contract with Kunshan Rural Commercial Bank, with a maximum principal debt of RMB 200 million [4][19]. Guarantee Structure and Terms - The guarantees include various forms such as credit guarantees, collateral, and pledges, and cover both new guarantees and extensions of existing ones [7][21]. - The guarantee period for the contracts varies, with some lasting up to three years after the principal debt's maturity [13][17]. Board of Directors' Opinion - The board of directors believes that the expected guarantee amounts are reasonable and necessary for the company's and its subsidiaries' ongoing operations and development [22]. - The board has approved the guarantee amounts and submitted them for shareholder review, emphasizing that the risks are manageable and will not adversely affect the company's operations [22][21]. Cumulative Guarantee Situation - As of the announcement date, the total amount of guarantees provided by the company and its subsidiaries is RMB 4 billion, which represents 237.89% of the company's latest audited net assets [22]. - There are no overdue guarantees, and the company has not provided guarantees to controlling shareholders or related parties [22].

Financial Data and Key Metrics Changes - The company finished the year strong with robust loan and core deposit growth, net interest margin expansion, and higher fee income [4] - Net interest margin expanded by 12 basis points to 2.75%, with net interest income increasing by 5% during the quarter [6][11] - Core deposits grew by 9% in the fourth quarter and 8% for the full year, while loans grew at an 11% pace [7] - Tangible book value per share grew 16.5% annualized and was up 15.3% year-over-year [7] Business Line Data and Key Metrics Changes - The company saw strong revenue growth from both spread and fee perspectives, with non-interest income bouncing back due to increases in swap fees and letter of credit fees [16] - Core deposit growth was driven by strong non-interest-bearing deposit growth, which increased by $100 million during the fourth quarter [18] - Loan balances were up 8.9% annualized in the fourth quarter and 11.4% for the year, with construction being the largest driver of growth [20][22] Market Data and Key Metrics Changes - The company is now the second-largest locally led bank in the Twin Cities, positioning itself well to capture market share amid M&A disruptions [9] - The multifamily portfolio continues to perform well, with only $62,000 in net charge-offs recorded since the bank's founding [23] - Non-performing assets increased modestly to 0.41% of assets, driven by isolated issues [24] Company Strategy and Development Direction - The company aims to optimize profitable growth while aligning loan growth with core deposit growth and expanding net interest margin [30] - There is a focus on gaining market share in the Twin Cities and expanding the affordable housing vertical both locally and nationally [31] - The company plans to leverage technology investments to support growth and organizational efficiencies, including a strategy around AI [31] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about the ability to continue driving net interest income growth and achieving a 3% net interest margin by the end of 2026 [12][29] - The company is monitoring the impact of recent events in the Twin Cities on team members and clients, emphasizing support for the community [9] - Management remains confident in the strength of the asset quality profile despite a modest uptick in non-performing assets and net charge-offs [7][24] Other Important Information - The company closed one of the two branches added through the First Minnetonka City Bank acquisition due to proximity to other branches, with minimal deposit attrition post-merger [8] - The company has a strong capital position, with a CET1 ratio increasing slightly from 9.08% to 9.17% [27] Q&A Session Summary Question: Can you unpack some of the deposit growth in the quarter? - Management noted that Q4 tends to be a seasonally high watermark for deposit growth, with a strong deposit pipeline overall [36][39] Question: Can you discuss the cadence of loan repricing? - Management indicated that loan repricing is well laid out and not concentrated in any one quarter, supporting the margin target [40][41] Question: What are the expectations for expenses in 2026? - Management expects expenses to grow in the high single digits, aligning with asset growth [42] Question: What is the company's appetite for potential acquisitions? - Management continues to engage in conversations with local bank owners and remains optimistic about future acquisition opportunities [55] Question: How does the company view the affordable housing vertical's growth potential? - Management expressed confidence in the affordable housing space, indicating it currently represents about 15% of the loan book and is expected to grow [59][60]

Core Insights - Despite global economic recovery, financial institutions are unable to meet the trade financing needs of businesses, leading to a significant financing gap that hampers global economic growth and development potential [1] Group 1: Trade Financing Gap - The global trade financing gap remains at $2.5 trillion, showing little change from 2023, indicating persistent financing difficulties for businesses in cross-border trade [1] - The trade financing gap has expanded over the past decade, increasing from approximately $1.5 trillion in 2015 to the current $2.5 trillion, remaining high in recent surveys [1][2] - ADB's Steven Beck states that this ongoing gap signifies insufficient funding support for global trade, thereby limiting economic growth [1] Group 2: Factors Contributing to Financing Gap - The increase in financing requirements is attributed to heightened bank demands regarding risk, compliance, and capital usage, making it harder for businesses, especially SMEs, to secure trade financing [2] - Global trade tensions, including tariff hikes and unstable trade policies, compel businesses to adjust supply chains, increasing costs and necessitating more funding for operations [2] - Companies are diversifying trade and settlement methods to reduce reliance on single markets or currencies, further escalating the demand for trade financing [2] Group 3: Temporary Relief and Technological Impact - Recent declines in commodity and energy prices have temporarily reduced some businesses' funding needs, but ADB believes this will not fundamentally resolve the trade financing shortfall [3] - Financial technology is increasingly utilized in trade financing to streamline processes and reduce costs, but its effectiveness in addressing the overall financing gap remains to be seen [3] Group 4: Currency Trends in Trade Financing - The US dollar remains the dominant currency in global trade financing, accounting for approximately 82% of transaction volume, although there is a growing demand for local currencies in trade financing [3] - Over half of surveyed banks report a noticeable increase in the demand for local currency trade financing in recent years, indicating a shift towards more flexible transaction methods to mitigate currency fluctuation risks and lower funding costs [3] Group 5: Impact on SMEs - The lack of trade financing disproportionately affects SMEs, which often lack sufficient assets and stable credit histories, making them more susceptible to financing rejections [3] - When financing is restricted, SMEs face immediate challenges such as difficulties in fulfilling orders and tight cash flow [3]

Core Viewpoint - The construction of the Western Land-Sea New Corridor is a clear requirement outlined in the "14th Five-Year Plan," with the People's Bank of China and other departments issuing guidelines to enhance financial support for this initiative [1] Group 1: Financial Support Measures - The guidelines propose 21 key measures across six areas to improve financial services for the corridor, including enhancing organizational collaboration, strengthening financial support, optimizing cross-border settlement, and improving financial risk prevention [1] - The banking sector is identified as a primary financial force in supporting the corridor's development, with experts indicating that the guidelines clarify the direction and focus for banks in this initiative [1][2] Group 2: Cross-Regional Collaboration - The guidelines emphasize the establishment of cross-regional financial collaboration mechanisms to address existing coordination issues among banks, governments, and logistics entities [2] - The People's Bank of China aims to promote coordinated financial development across provinces and with countries along the corridor, facilitating a dual circulation economic model [2] Group 3: Digital Financial Services - The guidelines encourage the banking sector to innovate in digital financial services, with a focus on integrating blockchain technology and enhancing logistics financing services [4] - Digital financial services are highlighted for their advantages in risk identification, service efficiency, cost control, and product innovation, which are crucial for supporting the corridor's development [4] Group 4: Innovative Financing Models - The National Development Bank's Guangxi branch has adopted innovative financing models, providing significant funding for infrastructure projects to enhance the region's connectivity and trade with ASEAN countries [6] - The corridor serves as a key node in the Belt and Road Initiative, necessitating expanded financial cooperation and a clear financial collaboration network with relevant countries [6] Group 5: Responsibilities of the Banking Sector - The guidelines call for the banking sector to take on greater responsibilities in establishing financial cooperation mechanisms and exploring international financial collaboration [7] - Banks are encouraged to work with regulatory bodies and international organizations to develop financial solutions tailored to regional trade characteristics [7]

Meeting Overview - The fifth meeting of the board of directors of Changzhou Guangyang Bearing Co., Ltd. was held on December 30, 2025, with all 9 directors present, ensuring the meeting's legality and effectiveness [1]. Board Resolutions - The board unanimously approved the appointment of Mr. Jin Yongsheng as the deputy general manager and committee member, effective until the end of the current board's term [1]. - The board approved a proposal to apply for a working capital loan of RMB 200 million from Huaxia Bank, with a one-year term, to support daily operations [2]. - The board also approved a proposal to apply for a working capital loan of RMB 190 million from China Construction Bank, with a three-year term, secured by credit and deposits [2]. Authorization - The board authorized Chairman Li Shuhua to handle all matters related to the aforementioned credit facilities, including signing contracts and managing funds [3]. Background of New Appointee - Mr. Jin Yongsheng, born in 1981, holds a bachelor's degree in mechanical design and a master's in business administration. He has extensive experience in various managerial roles across different companies [5].

Core Viewpoint - The construction of the Western Land-Sea New Corridor is a clear requirement outlined in the "14th Five-Year Plan," with the People's Bank of China and other departments issuing guidelines to enhance financial services for this initiative [1] Group 1: Financial Support Measures - The guidelines propose 21 key measures across six areas to improve financial services for the Western Land-Sea New Corridor, focusing on logistics, trade, and industry integration [1] - The measures include enhancing organizational collaboration, strengthening financial connectivity, optimizing cross-border payment processes, and supporting the digital transformation of financial services [1] Group 2: Cross-Regional Collaboration - The issuance of the guidelines is significant for establishing cross-regional financial collaboration mechanisms among banking institutions [2] - Current challenges include a lack of regular coordination platforms between banks and other entities, slow response times for cross-province services, and inefficient cross-border settlement processes [2] Group 3: Digital Financial Services - The guidelines encourage the adoption of digital financial services, highlighting the advantages of risk identification, service efficiency, and cost control through digitalization [4] - Financial institutions are urged to innovate product offerings and optimize their overseas presence to better support the digital transformation of financial services [5] Group 4: Innovative Financing Models - The National Development Bank's Guangxi branch has adopted an innovative financing model, providing 7.373 billion yuan for the Pinglu Canal project, demonstrating the financial sector's role in enhancing logistics and infrastructure [6] - Strengthening trade relations with ASEAN countries is a key focus of the Western Land-Sea New Corridor, emphasizing the need for expanded financial cooperation [6] Group 5: Responsibilities of the Banking Sector - The guidelines call for the banking sector to take on greater responsibilities in establishing financial cooperation mechanisms and exploring international financial collaboration [7] - Banks are encouraged to work with domestic and international financial institutions to develop tailored financial solutions that meet regional trade characteristics [7]

Core Viewpoint - Xiamen Rural Commercial Bank is actively responding to national foreign exchange management and cross-border RMB facilitation policies, focusing on simplifying processes, optimizing costs, and deepening services to transform policy benefits into development momentum for enterprises [1] Group 1: Process Simplification - Xiamen Rural Commercial Bank is systematically optimizing processes and systems based on foreign exchange and cross-border RMB facilitation policies, significantly shortening the time from application submission to fund arrival for eligible enterprises [2] - The bank promotes online processing for cross-border settlement, enhancing both efficiency and user experience, as evidenced by positive feedback from foreign trade enterprises [2] Group 2: Currency Preference - The bank encourages enterprises to adopt RMB for cross-border settlements, helping them avoid exchange rate fluctuation risks and save on foreign exchange costs, thereby stabilizing operational costs [3] - By expanding overseas clearing networks and optimizing fund transfer paths, the bank provides efficient and low-cost cross-border services, supporting enterprises in enhancing their financial efficiency [3] Group 3: Customized Services - Xiamen Rural Commercial Bank prioritizes enterprise needs by offering tailored cross-border financial support, exemplified by its rapid response to a shipbuilding company's requirements for non-financing cross-border prepayment guarantees [4] - The bank's comprehensive financial services, including letters of credit and remittances, have been crucial in supporting enterprises during critical moments, demonstrating its commitment to integrating deeply with the local economy [4]

Overview of Guarantees - The company has signed a guarantee contract with Bank of Communications for a maximum principal amount of RMB 440 million, effective from December 1, 2025, to December 1, 2030 [1] - The company has also signed a maximum guarantee contract with Agricultural Bank of China for a maximum principal amount of RMB 675 million, effective from December 10, 2025, to December 9, 2028 [1] - The company applied for a letter of guarantee from Standard Chartered Bank for USD 100,000 (approximately RMB 716,200), with an initial validity until April 10, 2026, which has been extended to May 15, 2026 [2] Internal Decision-Making Process - The company’s board of directors approved the guarantee proposals on April 24, 2025, and the annual shareholders' meeting on May 16, 2025, allowing for a total guarantee amount of up to RMB 974.85 million, with RMB 450 million specifically for the subsidiary [2] Financial Health of the Guaranteed Entity - The subsidiary, Aux Smart Technology, has a debt-to-asset ratio of 68.93% as of the end of 2024, indicating a significant level of leverage [2] Details of Guarantee Agreements - The guarantee to Bank of Communications covers all principal debts and associated costs, with a maximum guarantee amount of RMB 440 million [4][5] - The guarantee to Agricultural Bank of China also includes all principal debts and associated costs, with a maximum guarantee amount of RMB 675 million [7][8] Necessity and Reasonableness of Guarantees - The guarantees are deemed necessary to meet the funding needs of the subsidiary and ensure its stable operations, with the company maintaining control over the subsidiary's financial health [9] Board of Directors' Opinion - The board believes that providing guarantees to the subsidiary is based on actual operational needs and that the associated risks are manageable [10] Cumulative Guarantee Amounts - As of the announcement date, the total amount of guarantees provided by the company to its subsidiaries is RMB 975.35 million, which represents 80.73% of the company's net assets attributable to shareholders for the year 2024 [10]

Core Insights - International remittance settlement is an essential part of cross-border trade, involving the transfer and clearing of funds between different countries or regions [1][3] - The evolution of international remittance methods provides businesses with more diversified options as global economic ties become increasingly close [1] Summary of Key Points 1. Basic Concept of International Remittance Settlement - International remittance settlement refers to the currency payment behavior completed through banks or other financial institutions, involving currency exchange and the transfer of funds from the payer's account to the payee's account [3] - The core goal is to ensure the safe and efficient arrival of funds at the designated account while reducing transaction costs and exchange rate risks [3] 2. Main Settlement Methods and Their Characteristics - **Wire Transfer**: A common method that allows for relatively fast processing but may incur certain fees and exchange rate differences [4] - **Letter of Credit**: Widely used in international trade, providing high transaction security but requiring a complex process with complete documentation [4] - **Collection**: Involves the seller entrusting the bank to collect payment from the buyer, balancing risk but potentially leading to longer fund arrival times [4] - **Emerging Platforms**: New settlement channels based on digital technology are emerging, optimizing settlement processes and improving fund circulation efficiency [4][5] 3. Factors Affecting the Efficiency of International Remittance Settlement - Financial regulatory policies in different countries can impact the speed and cost of fund transfers, making it essential for businesses to understand relevant regulations [6] - Currency exchange is a necessary part of international remittance, with exchange rate fluctuations affecting the final amount received [6] - The technical level and processing capabilities of settlement channels directly influence the speed of fund arrival [6] - The size of the transaction can affect the choice of settlement method and associated costs [6] 4. Considerations During the Settlement Process - Ensuring accurate recipient information is crucial to avoid delays or returns of funds [6] - Understanding the composition of various fees, including transaction fees and exchange costs, is important [6] - Monitoring fund arrival times is necessary to select the appropriate settlement method based on business needs [6] - Keeping complete transaction records and receipts is essential for future inquiries and reconciliations [6] 5. Impact of Emerging Technologies on International Remittance Settlement - Platforms like "Cloud Bridge Cross-Border" utilize digital RMB for cross-border settlements, offering alternatives to traditional payment methods, including same-day fund arrival and no transaction fees [7] - The platform employs smart contract technology for automated processing in various areas, enhancing transparency and efficiency [7] - It integrates various cross-border services, forming a comprehensive ecosystem to help businesses navigate international trade challenges [7] 6. Factors to Consider When Choosing Settlement Methods - Businesses should consider security, efficiency, cost, and convenience when selecting international remittance methods [8] 7. Future Development Trends - The international remittance settlement sector is continuously evolving, with technological advancements promising faster and lower-cost solutions [9] - Optimized regulatory environments will enhance cross-border payment efficiency [9] - The diverse needs of businesses for settlement services will drive innovation among service providers [9] 8. Role of Financial Service Platforms - Financial service platforms will play a crucial role by integrating resources and optimizing processes to provide comprehensive cross-border financial solutions [11] - The development of these platforms will help reduce operational costs for businesses and improve fund utilization efficiency [11] 9. Importance of International Remittance Settlement - International remittance settlement is a vital foundation supporting global trade, with methods continuously evolving to meet market demands [13] - Businesses need to choose suitable settlement channels based on their needs and stay updated on industry trends to manage cross-border fund flows effectively [13]