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 本公告乃根據香港聯合交易所有限公司證券上市規則第13.10B條由中國民生銀行 股份有限公司（「本行」）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 司關於召開2025年半年度業績說明會的公告》，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 2025年8月22日 於本公告日期，本行執行董事為高迎欣先生、王曉永先生及張俊潼先生；非執行 董事為劉永好先生、史玉柱先生、宋春風先生、趙鵬先生、梁鑫傑先生及林立先 生；獨立非執行董事為曲新久先生、溫秋菊女士、宋煥政先生、楊志威先生、程 鳳朝先生及劉寒星先生。 证券简称：民生银行 A 股代码：600016 优先股简称：民生优 ...

证券简称：民生银行 A 股代码：600016 优先股简称：民生优 1 优先股代码：360037 编号： 2025-030 中国民生银行股份有限公司 （一）会议召开时间：2025 年 8 月 29 日（星期五）17:00 - 18:00 （二）会议召开方式：电话会议 关于召开 2025 年半年度业绩说明会的公告 本行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：2025 年 8 月 29 日（星期五）17:00 - 18:00 ? 会议召开方式：电话会议，投资者可以通过拨打电话参加本次业绩说明会。 ? 投资者可于 2025 年 8 月 28 日（星期四）18:00 前将相关问题通过电子邮件 的形式发送至中国民生银行股份有限公司（以下简称"本行"）电子邮箱： cmbc@cmbc.com.cn。本行将于 2025 年半年度业绩说明会（以下简称"业绩 说明会"）上对投资者普遍关注的问题进行回答。 为了便于广大投资者更全面深入地了解本行 2025 年半年度业绩和经营情况，本 行拟于 2025 年 8 月 2 ...

证券简称：民生银行 A 股代码：600016 优先股简称：民生优 1 优先股代码：360037 编号：2025-030 中国民生银行股份有限公司 关于召开 2025 年半年度业绩说明会的公告 本行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： 为了便于广大投资者更全面深入地了解本行 2025 年半年度业绩和经营情况，本 行拟于 2025 年 8 月 29 日 17:00-18:00 召开业绩说明会，就投资者普遍关心的问题进 行交流。 一、业绩说明会类型 本次业绩说明会通过电话会议方式召开，本行将针对 2025 年半年度业绩和经营 情况与投资者进行交流，并对投资者普遍关注的问题进行回答。 二、业绩说明会召开的时间、方式 （一）会议召开时间：2025 年 8 月 29 日（星期五）17:00 - 18:00 （二）会议召开方式：电话会议 会议召开时间：2025 年 8 月 29 日（星期五）17:00 - 18:00 会议召开方式：电话会议，投资者可以通过拨打电话参加本次业绩说明会。 投资者可于 2025 年 8 月 2 ...

Core Viewpoint - The current market is experiencing a bull run, with major indices showing strong performance, yet retail investors are largely absent from this rally, participating at only one-third of their levels during previous market peaks in 2015 and 2022 [4][5][6]. Group 1: Market Performance - The Shanghai Composite Index reached a nearly ten-year high after surpassing 3700 points, indicating a strong bullish sentiment in the market [5]. - Institutional investors, including the "national team," have injected over one trillion yuan into the market, while public funds have seen a resurgence with the emergence of "doubling funds" after three years [5]. - Quantitative funds have also performed well, with an average profit of nearly 2 billion yuan per fund among 36 large quantitative funds [5]. Group 2: Retail Investor Sentiment - Retail investors currently hold over one-third of the market shares and account for 70% of trading volume, yet their participation remains low compared to previous bull markets [6]. - Many retail investors are hesitant to enter the market, with some recounting past experiences of significant losses during previous peaks, leading to a cautious approach despite the current bullish trend [6][11]. - The article highlights various personal stories of retail investors, illustrating their struggles and the psychological barriers they face in the current market environment [7][10][14][19][25]. Group 3: Investment Strategies - Some retail investors have adapted their strategies to focus on risk management and disciplined trading, with a shift towards low-risk investments and diversified portfolios [25][28]. - The importance of maintaining a balanced investment approach is emphasized, with suggestions to allocate only a portion of funds to the stock market to mitigate risks [26][28]. - The article also discusses the need for retail investors to recognize market trends and adjust their strategies accordingly, rather than sticking to outdated methods [16][30].

Core Viewpoint - The article emphasizes the importance of ESG (Environmental, Social, Governance) as a core strategic indicator for measuring long-term corporate value, particularly in the banking sector, which plays a crucial role in sustainable development and green finance [2][3]. ESG Practices of Minsheng Bank - Minsheng Bank has integrated ESG into its five-year strategic plan and has achieved the highest MSCI ESG global rating of AAA, showcasing its commitment to sustainable practices [2][4]. - The bank focuses on three main areas: environmental responsibility, social responsibility, and governance improvement, aligning its operations with global best practices [3][4]. Environmental Initiatives - Minsheng Bank has embedded green and sustainable development strategies into its management, continuously innovating green financial products such as "Farmer Photovoltaic Loans" and "Agricultural Loans" to meet diverse customer needs [6][7]. - The bank is actively exploring carbon finance, providing financing support for carbon reduction projects and offering services like carbon quota pledge loans to enhance corporate participation in carbon markets [7][10]. Social Responsibility Efforts - The bank emphasizes its role as a "bank for private enterprises" and has increased credit support for small and micro enterprises, optimizing approval processes to lower financing costs [8][9]. - Minsheng Bank has initiated various programs to support rural revitalization and enhance financial service accessibility, including community branch expansions and digital banking services [8][9]. Governance Enhancements - The bank has established a dedicated ESG leadership group, led by the chairman, to oversee the implementation of ESG policies and ensure comprehensive integration into corporate governance [4][5]. - Minsheng Bank actively benchmarks against international best practices, enhancing the professionalism and accuracy of its ESG information disclosure [5][6]. Future Directions for ESG Practices - The bank aims to deepen ESG practices across five core dimensions: technology finance, green finance, inclusive finance, pension finance, and digital finance, supporting the achievement of national "dual carbon" goals [13][14]. - Specific initiatives include increasing funding for technology transfer projects, expanding the range of green financial products, and enhancing digital service capabilities to improve customer experience [14][15][16].

Core Viewpoint - The article emphasizes the importance of ESG (Environmental, Social, Governance) as a core strategic indicator for measuring long-term corporate value, particularly in the banking sector, which plays a crucial role in sustainable development and green finance [1] Group 1: ESG Significance and Strategic Value - ESG practices reflect the political and social responsibilities of financial institutions, integrating green and sustainable development strategies into management and expanding green financial product offerings [2] - Establishing a risk management system for ESG-related risks and leveraging digital technology and ESG data to enhance governance capabilities [2] - Achieving recognition in the ESG field through awards, demonstrating the market's acknowledgment of the bank's sustainable development value [2] Group 2: Achievements in ESG Ratings - The bank has received the highest MSCI ESG rating of AAA and has maintained an A rating in Wind ESG for two consecutive years, ranking among the top 10 listed banks in China [3] - The success is attributed to collaborative efforts across the organization, including a strong governance structure that prioritizes ESG [3][4] Group 3: Environmental Initiatives - The bank integrates green and sustainable strategies into all operational aspects, launching innovative green financial products like "Farmer Photovoltaic Loans" and "Agricultural Loans" [5] - It enhances green supply chain financial services to support the entire supply chain's green development [5][6] - The bank actively explores carbon finance, providing financing for carbon reduction projects and offering carbon trading-related financial services [6] Group 4: Social Responsibility - The bank focuses on serving private and small enterprises, increasing credit support and optimizing approval processes to inject financial resources into the real economy [7] - It contributes to rural revitalization through targeted support initiatives and enhances financial service accessibility by optimizing branch layouts and utilizing fintech [7] - The bank has supported over 245 innovative public welfare projects, benefiting more than 374,000 individuals across various sectors [8] Group 5: Future Directions in ESG Practices - The banking industry can deepen ESG practices in five core dimensions: technology finance, green finance, inclusive finance, pension finance, and digital finance [12] - It aims to support the transformation of scientific achievements into market applications and enhance the diversity of green financial products [13][14] - The bank plans to expand inclusive financial services in rural and remote areas, ensuring broader access to financial resources [15] - It will develop a variety of pension financial products to meet diverse customer needs [16] - The bank intends to accelerate digital transformation in financial services, improving efficiency and security through technology [17]

Core Viewpoint - The introduction of a personal consumption loan interest subsidy program by several banks is expected to lower the effective interest rates for borrowers, potentially bringing them down to the "2s" range if the current minimum rate of 3% remains unchanged [1][5]. Group 1: Implementation Details - Banks are finalizing the operational framework for the consumption loan interest subsidy, which will require borrowers to actively apply and authorize banks to access their transaction records [2]. - The subsidy will apply only to identifiable and verifiable consumer expenditures, with specific limits on the amounts eligible for subsidy based on the purpose of the loan [2][3]. - The system for automatic identification of eligible transactions is currently in the final testing phase and is expected to be available in mobile banking applications by September 1 [2][3]. Group 2: Interest Rate Implications - The current minimum interest rate for consumption loans is 3%, and if this rate does not change, the effective interest rate after applying the subsidy could fall below 3% [5]. - The annualized interest rate for the subsidy is set at 1%, with a maximum subsidy cap of 3,000 yuan, which could further reduce the effective borrowing costs for consumers [5]. Group 3: Market Impact and Recommendations - The fiscal subsidy is aimed at stimulating private consumption and expanding credit activities, which may provide dual support for retail lending business in banks [6]. - Analysts suggest that consumers should apply for personal consumption loans through legitimate financial institutions based on actual needs, avoiding excessive borrowing despite attractive rates and subsidies [6].

针对不同群体，支行采取了精准化的宣传策略。在社区开设"反假币课堂"，工作人员用通俗易懂的方言讲解人民币的防伪特征，并为老年群体赠送大字版 《防假宝典》，确保每一位市民都能轻松掌握反假技巧。此外，支行还为沿街商铺赠送"真假币鉴别卡"，并组织专业培训，指导收银员正确使用验钞机；深 入涉外服务餐饮场所开展外币反假培训，助力涉外场所提升风险防范能力。同时，支行建立了金融知识普及微信群，定期推送货币知识、反假策略和简短攻 略小视频，及时解答群众疑问，实现了宣传效果的最大化。活动期间，支行共发放宣传资料100余份，接受群众咨询100余人次，取得了良好的社会反响。许 多市民表示，通过参与活动，不仅掌握了识别假币的有效方法，对现金交易的安全感也明显增强。 近年来，随着经济的快速发展和支付方式的革新，现金交易在日常消费中的比重逐渐减少。然而，假币问题并未因此消失，反而呈现出更加隐蔽和多样化的 特征，对社会经济秩序和人民群众的财产安全构成潜在威胁。民生银行潍坊高新支行积极响应国家关于加强反假货币宣传的号召，近期，支行以"反假货 币，人人有责"为主题，精心策划并开展了一系列形式多样、内容丰富的宣传活动。通过寓教于乐的形式，帮助市民 ...

Core Insights - The article highlights the importance of cash exchange services, particularly for damaged or worn-out Renminbi, which directly impacts the daily lives of citizens [1][2][3] - Minsheng Bank's Jinan West City Branch actively promotes cash exchange services to enhance public awareness and accessibility [1][2][3] Group 1: Cash Exchange Awareness - The bank's staff provides detailed explanations about the standards for exchanging damaged Renminbi, including specific criteria for the remaining surface area and clarity of patterns and text [1] - Community outreach efforts include setting up temporary stations to distribute promotional materials and educate residents about cash exchange policies [2] Group 2: Support for Local Businesses - The bank conducts visits to local merchants to understand their needs for small denomination cash, especially during peak shopping periods [3] - Merchants are informed about convenient appointment methods for small denomination cash exchange, ensuring their operational needs are met [3] Group 3: Commitment to Financial Services - The bank aims to enhance public understanding of cash exchange policies through comprehensive promotional activities, demonstrating a commitment to efficient financial services [3] - Future plans include continuous improvement of service measures to make cash exchange more accessible and convenient for the community [3]

Group 1 - The core viewpoint of the article emphasizes the importance of enhancing financial risk awareness and prevention capabilities among new citizens in response to the national initiative against telecom network fraud [1] - The promotional activity organized by Minsheng Bank's Weifang Shouguang branch focused on educating new citizens about financial safety, utilizing various methods such as case analysis and scenario simulations [1] - The event highlighted common fraud tactics, including impersonation scams and false investment schemes, while providing practical guidelines based on the "three no's and one more" principle [1] Group 2 - The promotional activity successfully reached over 60 employees, distributing more than 60 informational materials and addressing over 90 inquiries on-site [2] - Participants reported significant benefits from the event, gaining practical fraud prevention skills and a deeper understanding of the bank's professional services in financial security [2] - Minsheng Bank plans to continue its "Financial Safety into Enterprises" series, aiming to conduct more diverse financial knowledge dissemination activities in the coming months [2]