CHINA DEVELOPMENT BANK FINANCIAL LEASING CO., LTD. 國銀金融租賃股份有限公司 2024 INTERIM REPORT 中期報告 (於中華人民共和國註冊成立的股份有限公司) (A joint stock limited company incorporated in the People's Republic of China) 股份代號 Stock Code : 1606 2024 INTERIM REPORT 中期報告 公司簡介 COMPANY OVERVIEW 國銀金融租賃股份有限公司成立於1984年，是國家金融監督管理總局監管的全國性非銀行金融機構，是國 家開發銀行旗下唯一的租賃業務平台，也是境內第一家上市金融租賃公司，註冊資本人民幣126.4238億元。 本集團是中國租賃行業的開創者，致力於為飛機、船舶、區域發展、普惠金融、綠色能源和高端裝備製造等 領域的優質客戶提供綜合性的租賃服務，租賃資產及業務合作夥伴已遍及全球40餘個國家和地區，且始終 保持準主權國際評級（穆迪A1、標普A及惠譽A+）。自2016年上市以來，集團資產規模持續增長，盈利能力 穩健提 ...

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。 國銀金融租賃股份有限公司 * CHINA DEVELOPMENT BANK FINANCIAL LEASING CO., LTD.* （於中華人民共和國註冊成立的股份有限公司） （股份代號：1606） 截至2024年6月30日止六個月之中期業績公告 國銀金融租賃股份有限公司董事會謹此宣佈本公司及其附屬公司截至2024年6月 30日止六個月之未經審核簡明綜合中期業績，連同2023年同期的比較數字，請一 併閱覽下文管理層討論與分析。 * 國銀金融租賃股份有限公司(a)並非《銀行業條例》涵義內獲授權的機構；(b)未獲授權在香 港開展銀行業務╱吸收存款業務；及(c)不受香港金融管理局的監管。 財務摘要 1 簡明合併損益表概要 | --- | --- | --- | --- | |--------------------------------------------|---------------------- ...

(於中華人民共和國註冊成立的股份有限公司) (A joint stock limited company incorporated in the People’s Republic of China) 股份代號 Stock Code : 1606 ...

Financial Performance - Total revenue for 2023 reached RMB 23,005.9 million, a 1.1% increase from RMB 22,764.3 million in 2022[2] - Net profit for 2023 was RMB 4,150.1 million, up 23.8% from RMB 3,351.1 million in 2022[2] - Operating income reached RMB 266.55 billion, a year-on-year increase of 6.4%[19] - Annual profit reached RMB 41.50 billion, a year-on-year increase of 23.8%[19] - The company achieved a total revenue of RMB 23,005.9 million in 2023, an increase of RMB 241.6 million, or 1.1%, compared to the previous year, primarily due to the growth in leasing asset scale[25] - The company's annual profit reached RMB 4,150.1 million in 2023, an increase of RMB 799.0 million, or 23.8%, compared to the previous year, driven by the growth in leasing asset scale and a decrease in impairment losses[23] - The company's total income and other revenues amounted to RMB 26,655.4 million in 2023, an increase of RMB 1,601.9 million, or 6.4%, compared to the previous year[23] - Net profit for the year 2023 was RMB 4,150.1 million, with a proposed final dividend of RMB 0.9848 per 10 shares[125] - Total revenue for 2023 increased to RMB 23,005.9 million, up from RMB 22,764.3 million in 2022[127] - Annual profit for 2023 was RMB 4,150,149 thousand, compared to RMB 3,351,073 thousand in 2022[131] - Total comprehensive income for 2023 was RMB 4,003,717 thousand, compared to RMB 5,353,317 thousand in 2022[131] - The company's basic earnings per share (EPS) increased to RMB 0.33 in 2023, up from RMB 0.27 in 2022, reflecting a growth of 22.2%[145] Revenue Breakdown - Financing lease income accounted for 39.9% of total revenue in 2023, down 1.2 percentage points year-over-year[3] - Operating lease income accounted for 46.4% of total revenue in 2023, down 3.4 percentage points year-over-year[3] - Total financing lease income in 2023 was RMB 10,644.2 million, accounting for 46.3% of total revenue, an increase of 3.5% YoY[26] - Aircraft leasing financing income remained flat at RMB 5.9 million in 2023[27] - Regional development leasing financing income decreased by 9.1% to RMB 5,853.4 million in 2023[27] - Ship leasing financing income increased by 36.3% to RMB 895.4 million in 2023[28] - Inclusive finance financing income grew by 14.7% to RMB 1,773.1 million in 2023[28] - Green energy and high-end equipment leasing financing income rose by 29.1% to RMB 2,116.4 million in 2023[28] - Total operating lease income in 2023 was RMB 12,361.7 million, a slight decrease of 0.9% YoY[29] - Aircraft leasing operating income increased by 16.7% to RMB 8,201.0 million in 2023[30] - Ship leasing operating income decreased by 27.7% to RMB 3,846.9 million in 2023[30] - Financing lease income for 2023 was RMB 10,644.2 million, compared to RMB 10,288.6 million in 2022[127] - Operating lease income for 2023 was RMB 12,361.7 million, slightly down from RMB 12,475.7 million in 2022[127] - Aircraft leasing division revenue increased to 8,206,884 in 2023, up from 7,030,739 in 2022[175][176] - Regional development leasing division revenue decreased to 5,974,620 in 2023 from 6,569,489 in 2022[175][176] - Ship leasing division revenue decreased to 4,742,230 in 2023 from 5,977,347 in 2022[175][176] - Inclusive finance division revenue increased to 1,915,687 in 2023 from 1,545,935 in 2022[175][176] - Green energy and high-end equipment leasing division revenue increased to 2,166,478 in 2023 from 1,640,826 in 2022[175][176] - Total group revenue increased to 23,005,899 in 2023 from 22,764,336 in 2022[175][176] Asset and Liability Management - Total assets increased to RMB 409,694.9 million in 2023, up 15.5% from RMB 354,717.2 million in 2022[6] - Receivables from financing leases accounted for 47.6% of total assets in 2023, down 6.9 percentage points from 2022[7] - Total assets reached RMB 4,096.95 billion, a year-on-year increase of 15.5%[19] - Total assets as of December 31, 2023, were RMB 409,694.9 million, up from RMB 354,717.2 million in 2022[129] - Total liabilities as of December 31, 2023, were RMB 372,413.1 million, compared to RMB 320,433.8 million in 2022[129] - Equity attributable to the company's owners as of December 31, 2023, was RMB 37,281.8 million, up from RMB 34,283.4 million in 2022[130] - Cash and bank balances as of December 31, 2023, were RMB 69,440.3 million, significantly higher than RMB 29,760.7 million in 2022[129] - Borrowings as of December 31, 2023, increased to RMB 295,875.4 million from RMB 246,882.7 million in 2022[129] - Total equity increased to RMB 37,281,840 thousand in 2023, up from RMB 34,283,445 thousand in 2022[131] - Total group assets increased to 409,694,903 in 2023 from 354,717,247 in 2022[175][176] - Total group liabilities increased to 372,413,063 in 2023 from 320,433,802 in 2022[175][176] Profitability Metrics - Average return on total assets improved to 1.09% in 2023, up 0.13 percentage points from 2022[12] - Average return on equity increased to 11.60% in 2023, up 1.19 percentage points from 2022[12] - Average return on equity (ROE) was 11.60%, and average return on total assets (ROA) was 1.09%, indicating improved profitability[19] - The pre-tax return on assets for inclusive finance improved to 3.91% from 1.96% in 2022[60] Risk Management - Non-performing asset ratio at year-end was 0.60%, consistently maintained below 1% since listing, reflecting stable asset quality[19] - Provision coverage ratio for non-performing assets related to financial leasing was 547.72%, demonstrating strong risk mitigation capability[19] - Core Tier 1 capital adequacy ratio was 9.96%, exceeding the regulatory requirement of ≥7.5%[13] - Capital adequacy ratio was 12.47%, exceeding the regulatory requirement of ≥10.5%[13] - The company's non-performing asset ratio was 0.60% at the end of 2023, consistently maintained below 1% since its listing, demonstrating effective risk management[21] - The company's financing lease-related non-performing assets as of December 31, 2023, were RMB 1,649.4 million, an increase of RMB 154.4 million from the previous year, with a financing lease NPA ratio of 0.81%, up by 0.08 percentage points[87][88] - The company's total assets under the five-tier asset quality classification as of December 31, 2023, were RMB 426,979.2 million, with normal assets accounting for RMB 266,013.0 million and non-performing assets (substandard, doubtful, and loss) totaling RMB 2,564.4 million[85] - The company's financing lease-related assets under the five-tier asset quality classification as of December 31, 2023, were RMB 204,672.0 million, with normal assets accounting for RMB 191,074.2 million and non-performing assets (substandard and loss) totaling RMB 1,649.4 million[87] - The total financing lease-related assets of the company amounted to RMB 204,672.0 million, with normal assets accounting for RMB 191,074.2 million (93.4%) and non-performing assets totaling RMB 1,649.4 million (0.81%)[89] - The non-performing asset ratio for the regional development leasing segment increased to 1.44%, while the green energy and high-end equipment leasing segment saw a decrease to 0.14%[89] - The company's financing lease-related assets are categorized into three stages based on credit risk, with Stage 1 assets at RMB 167,935.1 million, Stage 2 at RMB 35,087.5 million, and Stage 3 at RMB 1,649.4 million[91] - The impairment provision for financing lease-related assets increased to RMB 9,033.9 million in 2023, up from RMB 8,567.4 million in 2022[91][92] - The company's overdue financing lease receivables decreased to RMB 1,365.9 million in 2023 from RMB 1,573.0 million in 2022[93] - The single customer financing concentration ratio increased to 11.85% in 2023, while the single group customer financing concentration ratio decreased to 12.23%[95] - The top 10 customers accounted for RMB 30,637.4 million of financing lease-related assets, representing 14.97% of the total[96] - The regional development leasing segment accounted for 52.4% of the total financing lease receivables, while the green energy and high-end equipment leasing segment increased to 27.5% in 2023[97] - The company maintains a "steady" risk preference for market risk in 2023, focusing on interest rate and exchange rate risks[98] - The company actively manages interest rate risk through duration matching of RMB assets and liabilities, and uses interest rate swaps to hedge against USD floating rate liabilities[100] - The company has no significant USD to RMB foreign exchange risk exposure affecting future profits as of the end of 2023, effectively managing exchange rate risks through hedging tools[101] - The company holds RMB 12,642.0 million in interbank borrowing limits and raised RMB 370,533.3 million in funds (including reverse repos) in 2023 to manage liquidity risk[102] - The company's operational risk loss rate was 0.023% in 2023, with no major operational risk events reported[103] - The company completed the launch of core leasing systems and optimized systems for inclusive finance and passenger vehicles in 2023, with no major information technology risk incidents[105] - The company's core tier 1 capital adequacy ratio, tier 1 capital adequacy ratio, and capital adequacy ratio were 9.96%, 9.96%, and 12.47% respectively as of December 31, 2023[111][112] - Capital adequacy ratio reached 12.47%, exceeding the regulatory requirement of 10.5%[118] - Core tier 1 capital adequacy ratio stood at 9.96%, above the regulatory minimum of 7.5%[118] - Provision coverage ratio for finance lease-related non-performing assets was 547.72%, significantly higher than the 150% requirement[118] - Single customer financing concentration ratio was 11.85%, well below the 30% regulatory limit[118] - Interbank borrowing ratio was 27.13%, comfortably under the 100% regulatory ceiling[118] - Fixed-income investment ratio was 6.51%, below the 20% regulatory cap[118] Business Segments - The company's aircraft leasing business secured insurance compensation of approximately RMB 1.562 billion for aircraft stranded in Russia[20] - The company's ship leasing business achieved an average utilization rate of 99.7% for its time-chartered fleet in 2023, significantly higher than the market average[20] - The company's regional development leasing business focused on seven key regions, with new investments in these regions accounting for over 70% of total new investments[20] - The company's green energy and high-end equipment leasing business reached a total installed capacity of 8.57 GW by the end of 2023, focusing on distributed photovoltaic, thermal, and energy storage sectors[20] - The company's fleet consists of 380 aircraft, including 293 owned and 87 on order, with a weighted average age of 5.1 years and a remaining weighted average lease term of 7.5 years for owned aircraft[62] - Narrow-body aircraft account for 77% of the company's fleet by value, while wide-body aircraft make up 19%, and cargo and regional aircraft account for 4%[62] - The company has committed to purchasing 79 narrow-body aircraft directly from manufacturers, with 35 from Boeing and 44 from Airbus, scheduled for delivery between 2024 and 2027[62] - The company has non-binding purchase rights for an additional 100 aircraft, including 20 ARJ21, 50 C919, and 30 MA700 aircraft[64] - The company's aircraft leasing revenue is distributed across regions, with China contributing 25.9%, Asia-Pacific (excluding China) 27.2%, Europe 21.4%, and the Americas 19.0%[67] - The company's fleet utilization rate for owned aircraft under operating leases was 93.6%, impacted by aircraft stranded in Russia and the bankruptcy of Go First Airlines in India[66] - The company received insurance compensation of RMB 1,562 million for 5 aircraft previously leased to Russian airlines[66] - Airbus accounted for 72.3% of the total aircraft value by manufacturer as of December 31, 2023, while Boeing accounted for 26.3%[68] - The company's regional development leasing segment achieved new placements of RMB 31,736.6 million in 2023, with over RMB 13 billion allocated to key regions such as Beijing-Tianjin-Hebei, Yangtze River Economic Belt, and Guangdong-Hong Kong-Macao Greater Bay Area, accounting for over 40% of the segment's total placements[69] - The regional development leasing segment's total assets decreased by 0.8% to RMB 130,008.2 million as of December 31, 2023, with a 7.7% decrease in revenue and other income to RMB 6,318.6 million[69] - The company's ship leasing segment achieved new placements of RMB 8,001.3 million in 2023, with an average utilization rate of 99.7% for the time-chartered fleet, significantly higher than the market average[70] - As of December 31, 2023, the company operated a total of 228 ships, with an average age of 6.4 years, including 163 bulk carriers, 38 product tankers, 17 container ships, 9 LNG carriers, and 1 passenger cruise ship[70] - The ship leasing segment's total assets increased by 26.4% to RMB 62,783.9 million as of December 31, 2023, with a 17.0% decrease in revenue and other income to RMB 5,858.2 million[71] - The ship leasing segment's pre-tax profit decreased by 61.2% to RMB 1,114.0 million in 2023, primarily due to a decline in BDI index and increased USD financing costs[71] - The company's inclusive finance sector achieved a new investment of RMB 21,411.4 million in 2023, with total assets reaching RMB 36,041.9 million, a 1.1% increase year-on-year[72] - The inclusive finance sector generated income and other gains of RMB 2,006.3 million, a 24.2% increase from the previous year, with pre-tax profits surging 104.3% to RMB 1,400.0 million[72] - The vehicle leasing business added new investments of approximately RMB 16.5 billion in 2023, with over 120,000 new vehicles leased, benefiting more than 90,000 end customers[73] - The vehicle leasing business assets reached RMB 19,939.9 million, a 34.8% increase from the previous year, accounting for 55.3% of the inclusive finance sector's total assets[74] - The engineering machinery leasing business added new investments of approximately RMB 4.9 billion in 2023, with nearly 9,000 new equipment leased, benefiting over 500 end customers[75] - The green energy and high-end equipment leasing sector achieved new investments of RMB 23,316.8 million in 2023, with total assets reaching RMB 69,750.6 million, a 61.7% increase year-on-year[77] - The green energy leasing business accounted for 61.9% of the total assets in the green energy and high-end equipment leasing sector, with assets valued at RMB 43,172.0 million[78] Cash Flow and Investments - Net cash flow from operating activities in 2023 was RMB 66,826,387 thousand, a significant increase from RMB 16,999,807 thousand in 2022[132] - Cash and cash equivalents at the end of 2023 stood at RMB 48,856,794 thousand, up from RMB 24,660,800 thousand in 2022[133] - Net cash used in investing activities in 2023 was RMB 35,322,381 thousand, compared to RMB 8,789,253 thousand in 2022[133] - Net cash used in financing activities in 2023 was RMB 7,488,494 thousand, down from RMB 14,466,459 thousand in 2022[133] - Dividends paid in

智通财经APP获悉，国银金租(01606)涨近4%，创阶段新高，截至发稿，涨3.95%，报1.84港元，成交额 1005万港元。 消息面上，2月5日，《金融租赁公司管理办法(征求意见稿)》(下称《征求意见稿》)公开征求意见截 止。在根据各界反馈意见做进一步的修改完善后，国家金融监督管理总局(下称"金融监管总局")将对其 适时发布。 根据《征求意见稿》，未来设立金融租赁公司的主要发起人准入标准大幅提高了10倍：主要发起人是商 业银行的，总资产不低于8000亿元(原规定800亿元);主要出资人是大型企业的，营业收入不低于500亿元 (原规定50亿元)。 国泰君安综合金融分析师刘欣琦表示，大幅提升金融租赁公司主要发起人的准入门槛，未来牌照获取难 度加大。 ...

CHINA DEVELOPMENT (於中華人民共和國註冊成立的股份有限公司) (A joint stock limited company incorporated in the People’s Republic of China) BANK 股份代號 Stock Code : 1606 FINANCIAL (cid:31) (cid:30) (cid:29) (cid:28)(cid:27)(cid:26) (cid:25) (cid:24)(cid:23)(cid:22) (cid:21) LEASING CO., LTD.國銀金融租賃股份有限公司 ...

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份內容而產生或因倚 賴該等內容而引致之任何損失承擔任何責任。 國 銀 金 融 租 賃 股 份 有 限 公 司 * CHINA DEVELOPMENT BANK FINANCIAL LEASING CO., LTD.* （於中華人民共和國註冊成立的股份有限公司） （股份代號：1606） 截至2023年6月30日止六個月之中期業績公告 國銀金融租賃股份有限公司董事會謹此宣佈本公司及其附屬公司截至2023年6月 30日止六個月之未經審核簡明綜合中期業績，連同2022年同期的比較數字，請一 併閱覽下文管理層討論與分析。 ...

(於中華人民共和國註冊成立的股份有限公司) (A joint stock limited company incorporated in the People’s Republic of China) 股份代號 Stock Code : 1606 2022 ...

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之內容概不負責，對其準確性 或完整性亦不發表任何聲明，並明確表示概不就因本公告全部或任何部份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。 國 銀 金 融 租 賃 股 份 有 限 公 司 * CHINA DEVELOPMENT BANK FINANCIAL LEASING CO., LTD.* （於中華人民共和國註冊成立的股份有限公司） （股份代號：1606） 截至2022年12月31日止年度之全年業績公告 國銀金融租賃股份有限公司董事會謹此宣佈本公司及其附屬公司截至2022年12月 31日止年度之經審核綜合業績，連同2021年同期的比較數字，請一併閱覽下文管 理層討論與分析。 ...