Financial Performance - Operating income for the first half of 2023 was RMB 69,868 million, a decrease of 3.94% compared to RMB 72,736 million in the same period of 2022[17]. - Net interest income decreased by 6.36% to RMB 51,334 million from RMB 54,823 million year-on-year[17]. - Non-interest income increased by 3.47% to RMB 18,534 million compared to RMB 17,913 million in the previous year[17]. - The net profit attributable to shareholders was RMB 23,777 million, down 3.49% from RMB 24,638 million in the same period last year[17]. - Total assets as of June 30, 2023, reached RMB 7,641,451 million, reflecting a growth of 5.32% from RMB 7,255,673 million at the end of 2022[18]. - Total loans and advances increased by 6.03% to RMB 4,390,942 million from RMB 4,141,144 million at the end of 2022[18]. - The non-performing loan ratio improved to 1.57% from 1.68% at the end of 2022, indicating better asset quality[18]. - The capital adequacy ratio decreased to 12.69% from 13.14% at the end of 2022, reflecting a slight decline in capital strength[18]. Strategic Focus and Development - The company aims to be a first-class commercial bank characterized by distinctive features, continuous innovation, value growth, and stable operations[5]. - The strategic period from 2021 to 2025 is divided into two phases: the foundational phase (2021-2022) and the continuous growth phase (2023-2025)[5]. - The company emphasizes high-quality development as its primary task and focuses on customer, industry, product, and resource allocation[7]. - The company plans to enhance asset allocation and improve liability quality to achieve breakthroughs in these areas[7]. - The bank focuses on high-quality development through a "four-wheel drive" strategy, emphasizing deep engagement with key customer segments and innovative digital ecosystems[8]. - The bank aims to enhance financial support for private enterprises, small and micro businesses, and retail customers, aligning with its mission to serve the public and improve livelihoods[9]. - The bank is committed to building a "simple, pragmatic, and efficient" corporate culture to enhance cohesion for high-quality development[10]. Risk Management - The company has no foreseeable major risks, as stated in the risk management section of the report[2]. - The bank is committed to risk management enhancement, implementing differentiated authorization and process optimization to improve risk control effectiveness[9]. - The bank has established a comprehensive credit risk management mechanism covering pre-loan investigation, in-loan review, and post-loan management, ensuring effective risk control[162]. - The bank has optimized its credit policies in the real estate sector, focusing on supporting ordinary housing demand and improving customer structure[163]. - The bank has upgraded its risk control system, including the launch of automated rating processes for low-risk businesses and the optimization of monitoring and warning systems[164]. Digital Transformation - The bank is accelerating its digital transformation, aiming to improve service quality and efficiency through data empowerment and smart banking initiatives[9]. - The bank's digital strategy for 2023-2025 has been outlined, emphasizing the importance of top-level design and planning for digital transformation[139]. - The bank has implemented a digital service platform for small and micro enterprises, integrating various services such as personnel management and financial management to support their digital transformation[141]. - The bank's focus on digital transformation for institutional clients has strengthened its service capabilities and addressed key customer pain points[111]. Customer Engagement and Services - The bank is restructuring its customer journey and establishing a regular process management mechanism to ensure integrated service delivery across all channels[10]. - The bank's retail banking distribution network now covers 138 cities in mainland China, with a total of 1,238 branch outlets[130]. - The total number of credit cards issued reached 70.08 million, an increase of 2.80% compared to the end of the previous year[124]. - The number of retail customers reached 3,126,323.6 thousand, an increase of 3.69% year-on-year[122]. - The bank's community financial services have expanded to cover 132 cities, with community customer financial assets reaching CNY 407.899 billion, an increase of CNY 25.075 billion from the previous year[131]. Shareholder Information - The total number of ordinary shares as of June 30, 2023, is 43,782,418,502, with no changes during the reporting period[179]. - The largest shareholder, Hong Kong Central Clearing Limited, holds 18.92% of the shares, totaling 8,285,688,674 shares, with an increase of 337,820 shares during the reporting period[182]. - The company has not issued any new shares or made any changes to the structure of its ordinary shares during the reporting period[180]. - The shareholding structure indicates no single shareholder can control more than half of the voting rights in the board of directors or shareholders' meetings[188]. Financial Products and Innovations - The bank launched the "Tax Fee Pass" product, which has signed over 10,000 customers and completed 2,679 transactions since its launch in April[116]. - The bank's "Business Finance Express" product has reached 12,600 signed customers, enhancing reimbursement processes for enterprises[116]. - The bank's green credit balance reached 243.72 billion yuan, a year-on-year increase of 35.47%, outpacing the average growth rate of all loans[112]. - The cumulative credit issued for the "Minsheng Hui" credit loan product exceeded CNY 1.8 billion, with a loan balance surpassing CNY 1 billion since its launch in 2023[127]. Economic and Market Conditions - The bank faces challenges including insufficient domestic demand and geopolitical risks affecting economic development[178]. - The bank's strategy for the second half of 2023 includes a focus on risk control and compliance with national policies to support high-quality economic development[178]. - The bank continues to support key sectors such as inclusive finance, green development, and infrastructure construction to stimulate domestic demand[26].

Financial Performance - China Minsheng Bank reported unaudited interim results for the six months ended June 30, 2023[1]. - For the first half of 2023, the operating income was RMB 69,868 million, a decrease of 3.94% compared to RMB 72,736 million in the same period of 2022[15]. - Net interest income for the first half of 2023 was RMB 51,334 million, down 6.36% from RMB 54,823 million in the first half of 2022[15]. - Non-interest income increased by 3.47% to RMB 18,534 million in the first half of 2023, compared to RMB 17,913 million in the same period of 2022[15]. - The net profit attributable to shareholders for the first half of 2023 was RMB 23,777 million, a decrease of 3.49% from RMB 24,638 million in the first half of 2022[15]. - The annualized return on average total assets for the first half of 2023 was 0.64%, down from 0.70% in the first half of 2022[15]. - The annualized weighted average return on net assets decreased to 7.88% in the first half of 2023 from 8.66% in the same period of 2022[15]. - The cost-to-income ratio for the first half of 2023 was 30.25%, an increase from 28.96% in the first half of 2022[15]. - The net interest margin for the first half of 2023 was 1.41%, down from 1.56% in the same period of 2022[15]. Strategic Goals and Development - The bank's development strategy aims for sustainable growth and enhanced market competitiveness from 2023 to 2025[6]. - The bank's strategic goals include becoming a first-class commercial bank with distinctive features and continuous innovation[6]. - The company is in the second phase of its five-year development plan (2021-2025), focusing on high-quality development and implementing the "12345" operational strategy[8]. - The company aims to enhance customer service levels and optimize asset structure, targeting quality asset investment and improved liability quality[8]. - The strategy includes strengthening retail efficiency, comprehensive corporate development, and specialized financial market operations to boost revenue[8]. - The company plans to deepen customer segmentation and enhance integrated management effectiveness across various customer groups, including retail and institutional clients[10]. - The company is committed to providing personalized financial services and improving customer experience through the establishment of a smart banking model[11]. - The company emphasizes a culture of long-termism and customer-centricity, integrating these principles into its management practices[11]. Risk Management and Asset Quality - The bank assures that there are no foreseeable major risks impacting its operations[2]. - The company is focused on optimizing operational processes and enhancing management efficiency through a comprehensive performance evaluation system[9]. - The bank is focusing on enhancing asset quality and managing loan migration rates, with normal loan migration rate at 1.66%[19]. - The non-performing loan ratio improved to 1.57%, down from 1.68% in the previous period[16]. - The bank has implemented a comprehensive credit risk management mechanism covering the entire process from pre-loan investigation to post-loan management[162]. - The bank has strengthened support for key areas such as inclusive finance, green low-carbon initiatives, rural revitalization, and technology innovation[162]. - The bank's risk exposure management mechanism for large risks has been established, ensuring compliance with regulatory requirements[165]. Customer and Market Focus - The bank positions itself as a bank for private enterprises, focusing on serving small and medium-sized enterprises[7]. - The company aims to expand its support for small and micro enterprises, enhancing financial services in key sectors such as green finance and rural revitalization[10]. - The company has enhanced its cross-border financial service capabilities with the official launch of the "Northbound Pass" for employee salary exchange services[125]. - The bank has launched new credit products targeting small and micro export enterprises, enhancing its supply chain financial service system[140]. - The bank's digital marketing capabilities have significantly improved, with customer reach increasing by 2.5 times year-on-year[142]. Capital and Liquidity Management - Total assets increased by 5.32% year-on-year to RMB 7,641,451 million as of June 30, 2023[16]. - Total loans and advances rose by 6.03% to RMB 4,390,942 million, with corporate loans increasing by 9.87% to RMB 2,635,979 million[16]. - Total deposits grew by 6.21% to RMB 4,241,461 million, with personal deposits surging by 16.56% to RMB 1,189,544 million[16]. - The liquidity coverage ratio stood at 131.84%, indicating strong liquidity management[18]. - The net cash flow from operating activities increased by 32.60% to RMB 108,631 million in the first half of 2023, compared to RMB 81,922 million in the same period of 2022[15]. Shareholder and Equity Information - The total number of ordinary shares as of June 30, 2023, is 43,782,418,502, with no changes reported during the period[178]. - The top ten shareholders hold a combined total of 18.92% (8,285,688,674 shares) by Hong Kong Central Clearing Limited, and 10.30% (4,508,984,567 shares) by China Life Insurance Company - Universal Products[180]. - The company did not issue any new ordinary shares during the reporting period, and the structure of ordinary shares remains unchanged[179]. - The largest shareholder, Hong Kong Central Clearing Limited, holds 8,285,688,674 H shares, representing 18.92% of total shares[181]. Digital Transformation and Innovation - The bank emphasizes innovation driven by technology to enhance customer experience and operational efficiency[7]. - The digital transformation strategy is being implemented with a focus on enhancing operational efficiency and product innovation through a collaborative approach across departments[138]. - The bank has launched a new generation of intelligent anti-money laundering management and monitoring systems, enhancing the core obligation fulfillment system replacement rate[175]. - The bank aims to become a data-driven institution, focusing on five key goals: visibility, usability, connectivity, empowerment, and security in data management[139].

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 賴該等內容而引致之任何損失承擔任何責任。 中 國 民 生 銀 行 股 份 有 限 公 司 CHINA MINSHENG BANKING CORP., LTD. （在中華人民共和國註冊成立的股份有限公司） （股份代號：01988） 海外監管公告 本公告乃中國民生銀行股份有限公司（「本行」）根據香港聯合交易所有限公司證券 上市規則第13.09(2)條、第13.10B條，及香港法例第571章《證券及期貨條例》第 XIVA部項下內幕消息條文作出。 茲載列本行在上海證券交易所網站及中國報章刊登之《中國民生銀行股份有限公 司2023年第一季度報告》，僅供參閱。 承董事會命 中國民生銀行股份有限公司 董事長 高迎欣 中國，北京 ...

（於中華人民共和國註冊成立的股份有限公司） 股份代號： 01988 ...

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 賴該等內容而引致之任何損失承擔任何責任。 中 國 民 生 銀 行 股 份 有 限 公 司 CHINA MINSHENG BANKING CORP., LTD. （在中華人民共和國註冊成立的股份有限公司） （股份代號：01988） 截至2022年12月31日止年度之業績公告 中國民生銀行股份有限公司（「本行」）董事會（「董事會」）謹此宣佈本行及其附屬 公司截至2022年12月31日止年度之經審計業績。本公告列載本行2022年年度報告 全文，並符合香港聯合交易所有限公司（「香港聯交所」）證券上市規則中有關年度 業績初步公告附載的資料之要求。 刊登年度業績公告及年度報告 本業績公告將分別在香港聯交所披露易網站(www.hkexnews.hk)及本行網站(www. cmbc.com.cn)上刊發。本業績公告分別以中英文兩種文字編製。在對兩種文本的 理解上發生歧義時，以中文文本為準。 本行將於適當時候向本行H股股東寄發2022年年度報告，並在本行及香港聯 ...

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之任何損失承擔任何責任。 中國民生銀行股份有限公司 CHINA MINSHENG BANKING CORP., LTD. （在中華人民共和國註冊成立的股份有限公司） （股份代號：01988） 海外監管公告 本 公 告 乃 中 國 民 生 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(2)條、第13.10B條，及香港法例第571章《證 券 及 期貨條例》第XIVA部項下內幕消息條文作出。 茲載列本行在上海證券交易所網站及中國報章刊登之《中國民生銀行股份 有限公司2022年第三季度報告》，僅供參閱。 承董事會命 中國民生銀行股份有限公司 董事長 高迎欣 中國，北京 2022年10月28日 於本公告日期，本行執行董事為高迎欣先生、鄭萬春先生及袁桂軍先生； 非執行董事為張宏偉先生、盧志強先生、劉永好先生、史玉柱先生、吳迪 先生、宋春風先生、楊曉靈先生及趙鵬先生；獨立 ...

門国民生银行 CHINA MINSHENG BANI （ 於 中 華 人 民 共 和 國 註 冊 成 立 的 股 份 有 限 公 司 ） 股份代號：01988 0000000 ll Int 中期報告 重要提示 本行董事會、監事會及董事、監事、高級管理人員保證半年度報告內 容的真實性、準確性、完整性，不存在虛假記載、誤導性陳述或重大遺 漏，並承擔個別和連帶的法律責任。 本半年度報告於2022年8月26日由本行第八屆董事會第二十五次會議 審議通過。會議應到董事18名，現場出席董事6名，電話或視頻連線出席 董事12名。本行8名監事列席本次會議。 本行半年度財務報告未經審計。 本行董事長高迎欣、行長鄭萬春、主管會計工作負責人李彬和會計機 構負責人殷緒文聲明：保證本半年度報告中財務報告的真實、準確、完 整。 本行2022年上半年不進行利潤分配或資本公積轉增股本。 除特別說明外，本半年度報告貨幣金額以人民幣列示。 本半年度報告中涉及未來計劃等前瞻性陳述不構成本行對投資者的實 質承諾，投資者及相關人士均應當對此保持足夠的風險認識，並且應當理 解計劃、預測與承諾之間的差異。 重大風險提示：本行不存在可預見的重大風險。可能面臨 ...

中国民生银行 CHINA MINSHENG BANK （ 於 中 華 人 民 共 和 國 註 冊 成 立 的 股 份 有 限 公 司 ） 股份代號： 01988 101010101010101 010111011 01010111 01010 111010101 0101 a 重要提示 本行董事會、監事會及董事、監事和高級管理人員保證年度報告內容的真實、準確、完整，不存在虛假記 載、誤導性陳述或重大遺漏，並承擔個別和連帶的法律責任。 本年度報告於2022年3月29日由本行第八屆董事會第十九次會議審議通過。會議應到董事18名，現場出席 董事6名，電話或視頻連線出席董事12名，副董事長張宏偉、盧志強、劉永好，董事史玉柱、吳迪、宋春風、翁 振杰、楊曉靈、趙鵬、解植春、彭雪峰、曲新久通過電話或視頻連線出席會議。應列席本次會議的監事9名，實 際列席9名。 本行審計師普華永道中天會計師事務所（特殊普通合夥）和羅兵咸永道會計師事務所分別對按照中國會計準則 和國際財務報告準則編製的2021年度財務報告進行了審計，並分別出具了標準無保留意見的審計報告。 本行董事長高迎欣、行長鄭萬春、主管會計工作負責人李彬和會計機構負責人殷緒文 ...