华夏银行股份有限公司 关于召开 2023 年半年度业绩说明会的公告 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： 证券代码：600015 股票简称：华夏银行 编号：2023—32 （三） 会议召开方式：上证路演中心网络互动 会议召开时间：2023 年 8 月 28 日(星期一)上午 11:00-12:00 会 议 召 开 地 点 ： 上 海 证 券 交 易 所 上 证 路 演 中 心 （ 网 址 ： https://roadshow.sseinfo.com/） 会议召开方式：上证路演中心网络互动 投资者可于 2023 年 8 月 21 日(星期一)至 8 月 25 日(星期五)16:00 前登录上 证路演中心网站首页，点击"提问预征集"栏目或通过本行 2023 年半年度业绩说明 会问题收集邮箱 zhdb@hxb.com.cn 进行提问。本行将在说明会上对投资者普遍关注 的问题进行回答。 华夏银行股份有限公司（以下简称"本行"）将于 2023 年 8 月 26 日在上海证 券交易所网站（www.sse.com. ...

Financial Performance - The total asset scale reached CNY 3.900167 trillion, an increase of 6.09% compared to the previous year[6]. - The net profit attributable to shareholders was CNY 25.035 billion, reflecting a growth of 6.37% year-on-year[6]. - The company's operating income for 2022 was RMB 93,808 million, a decrease of 2.15% compared to RMB 95,870 million in 2021[14]. - Net profit attributable to shareholders for 2022 reached RMB 25,035 million, reflecting a growth of 6.37% from RMB 23,535 million in 2021[14]. - The net cash flow from operating activities increased by 11.21% to RMB 78,975 million in 2022, up from RMB 71,015 million in 2021[14]. - The company's total operating revenue for the reporting period was 938.08 billion CNY, with net interest income accounting for 79.20% of the total[38]. - The company reported a total operating profit of 33.695 billion CNY, reflecting a 6.84% increase[39]. - The company achieved a net interest margin of 2.07% for the reporting period[42]. - The company reported a total financial assets amounting to 725,056 million, with a fair value change of 1,207 million during the year[116]. Asset Quality and Risk Management - The non-performing loan ratio improved to 1.75%, a decrease of 0.02 percentage points from the end of the previous year[6]. - The provision coverage ratio increased to 159.88%, up by 8.89 percentage points from the previous year[6]. - The bank's focus on risk management led to a decline in the overdue loan ratio to 1.87%, down by 0.01 percentage points from the previous year[7]. - The company achieved a significant improvement in asset quality, with a notable reduction in credit and other asset impairment losses by 13.02%[36]. - The overdue loan balance was 42.436 billion yuan, accounting for 1.87% of the total loans, with loans overdue for more than 90 days making up 1.39%[93]. - The company has strengthened its compliance risk management, implementing a joint review mechanism for compliance risks[164]. - The company has actively enhanced operational risk management, improving the effectiveness of risk identification, monitoring, and reporting processes[162]. Loan and Deposit Growth - The balance of green loans was CNY 247.035 billion, growing by 18.49% compared to the previous year[7]. - The balance of small and micro enterprise loans reached CNY 160.904 billion, an increase of 16.56% year-on-year[7]. - The personal consumption loan balance was CNY 86.595 billion, reflecting a growth of 28.74% from the previous year[7]. - Total loans amounted to CNY 2,272.97 billion, up CNY 59.44 billion, or 2.69% from the previous year[34]. - Total deposits increased to CNY 2,063.87 billion, rising by CNY 159.51 billion, or 8.38% year-on-year[34]. - The company's small and micro enterprise loan balance reached CNY 565.47 billion, an increase of CNY 74.72 billion or 15.23% year-on-year[172]. - The number of small and micro enterprise loan customers increased to 789,120, up by 145,572 customers or 22.62% year-on-year[172]. Digital Transformation and Technology Investment - In 2022, Huaxia Bank's technology investment increased by 16.39%, with new digital financing business investments amounting to CNY 52.178 billion[8]. - The company is focused on digital transformation, aiming to build a first-class smart ecological bank[25]. - The company has implemented a new digital financial product line, including digital procurement loans and digital freight loans, enhancing its service capabilities in the industrial ecosystem[119]. - The company has launched a customer information management system to improve the efficiency of customer management and marketing[150]. - The company has established a digital innovation factory with 38 projects incubated, enhancing overall innovation efficiency[152]. Strategic Initiatives and Future Outlook - In 2023, Huaxia Bank aims to enhance digital transformation, wealth management banking, and comprehensive operations as key development areas[9]. - The company plans to optimize profit growth structure and strengthen asset-liability management to improve capital utilization efficiency[9]. - The company aims to maintain a reasonable net interest margin while adjusting its asset-liability structure[171]. - The company will focus on non-interest income growth by identifying new growth points through product and service innovation[180]. - The company recognizes the ongoing economic recovery challenges and will adapt its strategies to navigate uncertainties in the external environment[176]. Corporate Governance and Management - The company has completed a self-inspection and rectification of corporate governance as required by the CSRC, with independent directors continuing to fulfill their duties until new elections are approved[184]. - The company has a stable shareholder structure, with major shareholders supporting equity financing and minority shareholders participating in decision-making[184]. - The company has a diverse board composition, including 5 female directors[186]. - The company has successfully elected new independent directors, ensuring compliance with regulatory requirements and maintaining governance standards[184]. - The company has a well-structured compliance management framework, with the board of directors ultimately responsible for compliance in business operations[163].

Financial Performance - Total revenue for Q1 2023 was RMB 23,117 million, a decrease of 3.68% compared to the same period last year[2] - Net profit attributable to shareholders was RMB 5,854 million, an increase of 4.05% year-on-year[2] - Basic earnings per share for Q1 2023 was RMB 0.31, an increase of 3.33% year-on-year[2] - Net interest income for the first quarter of 2023 was RMB 17,606 million, a decrease of 6.3% compared to RMB 18,796 million in the same period of 2022[21] - The bank's net profit for Q1 2023 reached RMB 5,967 million, representing a 4.2% increase from RMB 5,727 million in Q1 2022[21] - The total operating income for the first quarter of 2023 was RMB 23,117 million, a decrease of 3.7% from RMB 24,000 million in Q1 2022[21] - The bank's other comprehensive income after tax for Q1 2023 was RMB 235 million, compared to a loss of RMB 545 million in the same period last year[22] - The bank's investment income for Q1 2023 was RMB 1,698 million, an increase from RMB 1,552 million in Q1 2022[21] Asset and Liability Management - Total assets reached RMB 4,029,117 million, up 3.31% from the end of the previous year[5] - The total liabilities of Huaxia Bank as of March 31, 2023, amounted to RMB 3,720,529 million, an increase of 4.0% from RMB 3,576,845 million on December 31, 2022[20] - The bank's total loans amounted to RMB 23,529,880 million, an increase of 3.52% from the end of the previous year[7] - The bank's risk-weighted assets are RMB 2,993,715 million as of March 31, 2023, up from RMB 2,851,236 million at the end of 2022[11] - The total cash and cash equivalents at the end of Q1 2023 were RMB 57,950 million, down from RMB 103,782 million at the end of Q1 2022[25] Capital and Liquidity - The net core tier 1 capital as of March 31, 2023, is RMB 267,584 million, showing an increase from RMB 262,499 million at the end of 2022[11] - The total capital net amount is RMB 363,728 million as of March 31, 2023, compared to RMB 377,107 million at the end of 2022[11] - The liquidity coverage ratio is 121.43% as of March 31, 2023, indicating a strong liquidity position[14] - The bank's qualified liquid assets total RMB 451,323 million as of March 31, 2023[14] Shareholder Information - The total number of common shareholders at the end of the reporting period is 108,836[8] - The largest shareholder, Shougang Group Co., Ltd., holds 21.68% of shares, totaling 3,449,730,597 shares[8] - The second largest shareholder, State Grid Yingda International Holdings Group Co., Ltd., holds 19.33% of shares, totaling 3,075,906,074 shares[8] - The third largest shareholder, China People's Property Insurance Co., Ltd., holds 16.11% of shares, totaling 2,563,255,062 shares[8] - The shares held by the top ten shareholders account for a significant portion of the company's equity, with the top three alone holding over 57%[9] - The company has issued a total of 2,564,537,330 A-shares in a private placement, with a lock-up period of five years for the shareholders[9] - The expected listing date for the shares from the 2018 private placement is January 8, 2024[9] - The company has a total of 2,599,929,412 unrestricted shares held by its largest shareholders[9] - The company has not disclosed any known relationships or concerted actions among the top shareholders[9] Cash Flow Analysis - Cash flow from operating activities was RMB 36,085 million, a decrease of 7.94% compared to the same period last year[5] - The net increase in customer deposits and interbank and other financial institution deposits was RMB 150,101 million for Q1 2023, compared to RMB 103,039 million in Q1 2022, representing a 45.6% increase[23] - The cash flow from financing activities generated a net cash inflow of RMB 6,981 million in Q1 2023, compared to RMB 15,019 million in Q1 2022[25] - The cash outflow for investment activities was RMB 397,108 million in Q1 2023, compared to RMB 263,873 million in Q1 2022, reflecting a significant increase of 50.4%[23] - The cash paid for taxes in Q1 2023 was RMB 4,804 million, an increase from RMB 4,065 million in Q1 2022, representing an 18.2% rise[23]

证券代码：600015 股票简称：华夏银行 编号：2023—18 华夏银行股份有限公司 关于召开 2022 年度业绩说明会的公告 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： 会议召开时间：2023 年 5 月 5 日(星期五)上午 9:00-10:00 会 议 召 开 地 点 ： 上 海 证 券 交 易 所 上 证 路 演 中 心 （ 网 址 ： http://roadshow.sseinfo.com/） 会议召开方式：上证路演中心网络互动 投资者可于 2023 年 4 月 25 日(星期二)至 5 月 4 日(星期四)16:00 前登录上证 路演中心网站首页，点击"提问预征集"栏目或通过本行 2022 年度业绩说明会问题 收集邮箱 zhdb@hxb.com.cn 进行提问。本行将在说明会上对投资者普遍关注的问题 进行回答。 华夏银行股份有限公司（以下简称"本行"）将于 2023 年 4 月 28 日在上海证 券交易所网站（www.sse.com.cn）披露本行 2022 年年度报告，为便于广大投资者更 全 ...

证券代码：600015 证券简称：华夏银行 证券代码：360020 证券简称：华夏优 1 华夏银行股份有限公司 2022 年第三季度报告 重要内容提示： 公司董事会、监事会及董事、监事、高级管理人员保证季度报告内容的真实、 准确、完整，不存在虚假记载、误导性陈述或者重大遗漏，并承担个别和连 带的法律责任。 本公司第八届董事会第二十七次会议于 2022 年 10 月 28 日以书面传签方式 审议通过了《华夏银行股份有限公司 2022 年第三季度报告》。会议应发出 书面传签表决票 17 份，实际发出书面传签表决票 17 份，在规定时间内收回 有效表决票 17 份。 本公司第三季度财务报告未经审计。 本公司董事长李民吉、财务负责人关文杰，保证第三季度报告中财务报表的 真实、准确、完整。 1 公司基本情况 1.1 主要会计数据和财务指标 （单位：百万元 币种：人民币 未经审计） | --- | --- | --- | --- | --- | |--------------------------------------------------|--------------------|---------------- ...

华夏银行股份有限公司 HUA XIA BANK CO., Limited 二〇二二年半年度报告 二〇二二年八月二十六日 重要提示 一、本公司董事会、监事会及董事、监事、高级管理人员保证半年度报告内容的 真实、准确、完整，不存在虚假记载、误导性陈述或重大遗漏，并承担个别和连带的 法律责任。 二、本公司第八届董事会第二十六次会议于 2022 年 8 月 26 日审议通过了《华夏 银行股份有限公司 2022 年半年度报告》及摘要。会议应到董事 16 人，实到董事 14 人。 关文杰董事、才智伟董事因公务缺席会议，关文杰董事委托王一平董事行使表决权， 才智伟董事委托曾北川董事行使表决权，有效表决票 16 票。部分监事、高级管理人员 列席会议。 三、本公司无半年度利润分配或资本公积转增股本计划。 四、本公司半年度财务报告未经审计。 五、本公司董事长李民吉、财务及会计机构负责人关文杰，保证半年度报告中财 务报告的真实、准确、完整。 六、本报告包含未来计划等前瞻性陈述，这些前瞻性陈述不构成本公司对投资者 的实质承诺，请投资者注意投资风险。 日 录 | --- | --- | |----------------------- ...

证券代码：600015 证券简称：华夏银行 证券代码：360020 证券简称：华夏优 1 华夏银行股份有限公司 2022 年第一季度报告 重要内容提示： 公司董事会、监事会及董事、监事、高级管理人员保证季度报告内容的真实、 准确、完整，不存在虚假记载、误导性陈述或者重大遗漏，并承担个别和连 带的法律责任。 本公司第八届董事会第二十二次会议于 2022 年 4 月 28 日审议通过了《华夏 银行股份有限公司 2022 年第一季度报告》及摘要。会议应到董事 15 人，实 到董事 15 人，有效表决票 15 票。9 名监事列席了本次会议。 本公司第一季度财务报告未经审计。 本公司董事长李民吉、财务负责人关文杰，保证第一季度报告中财务报表的 真实、准确、完整。 1 公司基本情况 1.1 主要会计数据和财务指标 （单位：百万元 币种：人民币 未经审计） 项目 年初至报告期期末 比上年同期增减（％） | --- | --- | --- | |--------------------------------------------------|-------|------------------------| | | | ...

华夏银行股份有限公司 HUA XIA BANK CO., Limited 二〇二一年年度报告 二〇二二年四月二十八日 重要提示 （一）公司董事会、监事会及董事、监事、高级管理人员保证年度报告内容的真 实、准确、完整，不存在虚假记载、误导性陈述或重大遗漏，并承担个别和连带的法 律责任。 （二）本公司第八届董事会第二十二次会议于 2022 年 4 月 28 日审议通过了《华 夏银行股份有限公司 2021 年年度报告》及摘要。会议应到董事 15 人，实到董事 15 人， 有效表决票 15 票。9 名监事列席了本次会议。 （三）经董事会审议的报告期利润分配预案： 以本公司 2021 年末普通股总股本 15,387,223,983 股为基数，每 10 股现金分红 3.38 元（含税）。具体内容详见"第四节 公司治理"。 （四）本公司年度财务会计报告已经安永华明会计师事务所（特殊普通合伙）根 据国内审计准则审计，并出具了标准无保留意见审计报告。 （五）本公司董事长李民吉、财务负责人关文杰，保证年度报告中财务报告的真 实、准确、完整。 （六）本报告包含未来计划等前瞻性陈述，这些前瞻性陈述不构成本公司对投资 者的实质承诺，投 ...