In December 2025, at the "Righteousness and Benefit for All · 2024 Jiangxi Social Responsibility (Leading) Enterprise (Entrepreneur)" release ceremony, Jiujiang Bank was honored as a "2024 Jiangxi Social Responsibility (Leading) Enterprise." Representing the bank, Chairman Zhou Shixin stated that this accolade represents high recognition for the bank's long-term adherence to its positioning of "serving the local area, serving small and medium-sized enterprises, and serving residents." Founded in the year 2000 and listed on the Main Board of the Hong Kong Stock Exchange in 2018, Jiujiang Bank holds the distinction of being the second prefecture-level city commercial bank nationally and the first in central China to be listed on the exchange's main board, underscoring its significant industry standing. As the new year commenced, Jiujiang Bank announced several positive developments. On one front was the opening of a new sub-branch. On January 23rd, regulators approved the opening of Jiujiang Bank Co., Ltd. Yingtan Longhushan Small and Micro Enterprise Sub-branch, authorizing its business scope to include resident savings and personal loan business consultations—operating without providing manual cash services—alongside small and micro enterprise loans, among other services. On another front, two major shareholders of Jiujiang Bank, the Jiujiang Municipal Finance Bureau and Industrial Bank Co., Ltd., expressed their intention to subscribe to the domestic share offering. Previously, in October 2025, Jiujiang Bank announced plans for a private placement of up to 860 million domestic shares and up to 175 million H-shares. Upon completion, the bank's total share capital would increase from 2.847 billion shares to 3.882 billion shares, representing an increase of approximately 36%. The latest announcement indicates that the Jiujiang Municipal Finance Bureau intends to subscribe for a total amount not exceeding 500 million yuan, while Industrial Bank Co., Ltd. intends to subscribe for an amount representing no more than its existing shareholding ratio in Jiujiang Bank, approximately 10.24%, of the total funds actually raised in this issuance. Jiujiang Bank stated that the primary purpose of this issuance is to effectively supplement the bank's Core Tier 1 capital, substantially enhance its risk resilience, and optimize its shareholding structure. As of the first half of 2025, Jiujiang Bank's Core Tier 1 capital adequacy ratio stood at 8.62%, a decrease of 0.82 percentage points from the end of the previous year. Having been at the helm for over two years, Zhou Shixin is acutely aware that Jiujiang Bank needs to accelerate its scale expansion. The 54-year-old Zhou Shixin previously held long-term positions at the Agricultural Bank of China's Jiangxi Provincial Branch, serving successively as General Manager of the Credit Management Department, General Manager of the Corporate Business Department/Major Client Department, and President of the Shangrao Branch, before assuming the role of Chairman at Jiujiang Bank in 2023. The year 2023 marked when Jiujiang Bank's total assets surpassed 500 billion yuan for the first time. After crossing the 500-billion-yuan threshold, the growth rate of Jiujiang Bank's asset scale urgently needs improvement. In 2024, the bank's total asset growth slowed to 2.5%. In the first half of 2025, Jiujiang Bank's total assets amounted to 519.655 billion yuan, an increase of only 3.196 billion yuan from the end of the previous year, representing a mere growth of 0.6%. During the same period, the bank's total customer loans and advances reached 325.949 billion yuan, an increase of 5.115 billion yuan from the end of the previous year. Specifically, total corporate loans and advances were 211.130 billion yuan, an increase of 11.886 billion yuan from year-end, while total retail loans and advances were 82.470 billion yuan, a decrease of 6.221 billion yuan.

Regarding asset quality, as of the first half of 2025, the bank's total non-performing loans stood at 6.134 billion yuan, with a non-performing loan ratio of 1.88%. Simultaneously, Jiujiang Bank's total overdue loans were 9.857 billion yuan, accounting for 3.0% of the total customer loans and advances. In terms of deposits, Jiujiang Bank experienced a decline in customer deposits. As of the first half of 2025, the bank's total customer deposits were 385.211 billion yuan, a decrease of 1.752 billion yuan from the end of the previous year.

Alongside pressure on scale indicators, the bank also faces profitability challenges. In the first half of 2025, Jiujiang Bank achieved operating income of 5.343 billion yuan, a year-on-year decrease of 2.85%, and realized a net profit of 379 million yuan, a significant year-on-year decline of 35.97%. Among these figures, the bank's net interest income was 4.098 billion yuan, a reduction of 9.1% compared to the previous year.

Jiujiang Bank has been continuously compressing its operating expenses. In the first half of 2025, the bank's operating expenses were 1.452 billion yuan, a year-on-year decrease of 4.5%. Specifically, employee compensation expenses were 777 million yuan, down 8.4% year-on-year.

As of the end of June 2025, Jiujiang Bank (including its controlled village banks) had 5,746 full-time employees. Roughly calculated based on employee compensation expenses, the average monthly salary per employee in the first half of 2025 was approximately 22,500 yuan. For the first three quarters of 2025, Jiujiang Bank's profitability indicators showed some improvement. During this period, it achieved revenue of 8.03 billion yuan, a year-on-year decrease of 4.04%, and a net profit of 866 million yuan, which represented a year-on-year increase of 3.94%.