（於中華人民共和國註冊成立的股份有限公司） 股份代號：01988 中期報告 2025 年中期報告 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2025年8月29日由本行第九屆董事會第十四次會議審議通過。會議應到董事15名，現場出席 董事9名，電話或視頻連線出席董事5名，委託出席董事1名，趙鵬董事因個人事項安排，委託梁鑫傑董事出席併表 決。本行6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、行長王曉永、主管會計工作負責人李彬和會計機構負責人張蘭波聲明：保證本半年度報告 中財務報告的真實、準確、完整。 根據2024年年度股東會決議及授權，董事會審議通過2025年度中期利潤分配方案：以利潤分配股權登記日本行 總股數為基數，向本行全體股東每10股派發現金股利人民幣1.36元（含稅）。 除特別說明外，本半年度報告所載財務數據及指標為本集團合併數據，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 ...

为进一步提升社区居民的金融安全意识，增强防范电信诈骗能力，切实保护群众财产安全，近日，民生 银行济南市中支行联合济南市市中区某社区居委会，共同开展"反诈宣传进社区 守护群众钱袋子"主题 宣传活动。通过知识讲座、案例解析、互动问答等形式，向社区居民普及电信诈骗的常见手段及防范技 巧，吸引百余名居民参与，获得广泛好评。 活动现场，民生银行济南市中支行工作人员针对老年人、家庭主妇等易受骗群体，结合真实案例，深入 浅出地讲解了"冒充公检法""网络刷单返利""虚假投资理财""AI换脸诈骗"等高发骗局的作案手法及防范 要点。 为增强宣传效果，该支行还特别准备了宣传折页，内容涵盖"反诈口诀""应急处理流程""举报渠道"等实 用信息，并现场发放200余份。社区居民王阿姨表示："以前总觉得诈骗离自己很远，今天听了这些案例 才发现陷阱无处不在。以后遇到可疑情况，我一定先和银行或家人核实，绝不轻易转账！" 该支行负责人表示，此次活动是该行践行"金融为民"理念、履行社会责任的具体实践。未来，该支行将 持续推进反诈宣传常态化。此次活动不仅提升了社区居民的防骗意识和能力，也彰显了民生银行济南市 中支行在守护群众财产安全方面的积极作为。下 ...

此次高效响应的背后，是民生银行体系化适老服务的支撑。针对行动不便客户，民生银行济南唐冶支行 突破传统网点限制，将"柜台"延伸至病房，避免客户因奔波延误治疗，展现金融服务的温度与担当。未 来，民生银行济南唐冶支行将持续推动服务下沉，让更多特殊群体享受"直达心坎"的民生力量。 接到求助后，唐冶支行迅速启动应急预案，组织两名业务骨干组成服务小队，跨越几十公里，携带移动 运营设备驱车赶往医院。到达医院病房后，在确保流程合规的前提下，工作人员快速核实老人身份信 息、意识状态及业务意愿，通过移动运营系统，现场完成了身份认证、密码重置及解锁业务。业务办理 完毕后，老人紧握工作人员的手连声道谢："没想到你们真能来医院，太感谢你们了！" 2025年9月，一位老年客户在济南某医院办理缴费时，其家属因连续输错密码导致银行卡被锁定。由于 病情严重无法下床，老人及家属焦急万分，医疗费用亟待支付。于是家属尝试向民生银行济南唐冶支行 发出求助。 ...

Core Viewpoint - The event organized by Minsheng Bank's Dongying Zhiweigu Community Branch successfully combined financial education with physical activities, engaging over 50 families in a unique learning experience that promotes financial literacy among children and parents [1][2]. Group 1: Event Overview - The "Blow the Horn for Consumer Protection Fund" financial education campaign featured a blend of financial knowledge dissemination and physical competitions, allowing over a hundred parents and children to learn together through interaction [1]. - The event broke traditional financial promotion models by integrating one-on-one financial knowledge explanations with fun physical competitions, facilitating a subtle transfer of financial knowledge during parent-child interactions [1]. Group 2: Educational Approach - Bank staff engaged with each family face-to-face, using relatable examples and simple language to explain basic financial concepts, addressing questions like "Why save money?" and "How to identify genuine RMB?" [1]. - Colorful brochures and physical demonstrations were prepared to help children intuitively understand the concept and value of currency [1]. Group 3: Parent-Child Interaction - The event emphasized joint participation of parents and children, with parents actively involved in both the financial learning and physical competition segments, enhancing family bonds and effectively transmitting financial knowledge [2]. - Many parents expressed that the innovative format was enjoyable for children and beneficial for themselves, highlighting the success of the dual education model [2]. Group 4: Future Initiatives - The event represents a positive attempt by Minsheng Bank to fulfill its social responsibility and innovate financial services, with plans to explore more community-oriented activities that align financial education with residents' needs [2]. - The bank aims to contribute to improving public financial literacy and building a harmonious financial environment through these initiatives [2].

在重点人群服务方面，该支行特别关注老年人、青年群体等金融脆弱人群，通过案例剖析、情景模拟等 方式，揭露虚假宣传、非法中介等常见诈骗手法。引导公众树立正确的金融消费观念，通过正规渠道选 择金融产品，自觉抵制高息诱惑，守好"钱袋子"。 本次宣传周活动成效显著，累计发放宣传折页八十余份，覆盖客户一百余人次。民生银行潍坊诸城支行 将以此次宣传周为契机，持续践行"以人民为中心"的理念，推动金融教育工作常态化、精准化，让金融 知识走进千家万户，为构建和谐金融环境、助力美好生活贡献民生力量。 为深入贯彻落实国家金融监督管理总局及总分行关于开展2025年金融教育宣传周活动的统一部署，民生 银行潍坊诸城支行以"保障金融权益 助力美好生活"为主题，自9月15日起全面启动金融知识普及系列活 动，多措并举提升市民金融素养和风险防范能力，彰显金融企业社会责任。 在厅堂阵地宣传方面，支行精心打造金融知识宣传专区，通过主题展架、折页手册、电子屏滚动播放等 多种形式，普及防范电信诈骗、识别非法金融广告、理性投资理财等实用知识。大堂经理和客服专员化 身金融知识宣讲员，通过典型案例讲解，帮助客户树立理性消费观念，增强自我保护意识。生动有趣的 短 ...

Group 1 - The core theme of the financial knowledge promotion activity is "Protecting Financial Rights and Supporting a Better Life" aimed at enhancing financial literacy and risk awareness among community residents [1] - The event was well-prepared with promotional materials such as banners, display boards, and brochures, creating an engaging atmosphere that attracted many residents [2] - The bank staff employed differentiated strategies for various age groups, focusing on common scams for the elderly and promoting rational consumption and borrowing for the younger demographic [2] Group 2 - The activity included practical demonstrations for the elderly on using mobile banking for basic transactions, helping them access convenient financial services [2] - The bank staff provided clear explanations on personal information protection and safe card usage, emphasizing the importance of safeguarding personal data in financial transactions [2] - The bank plans to continue its mission of "Serving the Public and Caring for Livelihoods" by increasing financial knowledge dissemination through diverse promotional activities in various community settings [3]

Core Insights - The 2025 Beijing Top 100 Private Enterprises list highlights the significant role of digital economy and high-end manufacturing, with 68% of the top companies in these sectors [1][8] - The total revenue of the top 100 enterprises reached 5.26 trillion yuan, a year-on-year increase of 12.27%, while total assets reached 15.02 trillion yuan, up 6.6% [1] - The average R&D investment intensity of the top technology innovation enterprises was 9.47%, indicating a strong focus on technological development [2][8] Group 1: Overall Performance - The threshold for entry into the top 100 increased to over 5 billion yuan, reflecting a year-on-year growth of 7.5% and a cumulative growth of 38.6% over five years [1] - The total revenue of the top 100 enterprises has grown significantly, with a total of 5.26 trillion yuan, marking a historical high [1] - The total assets of these enterprises also reached a record high of 15.02 trillion yuan, showing a 183.4% cumulative growth over five years [1] Group 2: Technology Innovation - The top 100 technology innovation enterprises reported a total revenue of 2.46 trillion yuan, a year-on-year increase of 33.79%, and a profit of 136.04 billion yuan, up 20.54% [2] - R&D expenditures for these enterprises totaled 174.27 billion yuan, with an average R&D investment intensity of 9.47% [2] - The focus on technology innovation is evident, with 40% of enterprises forming mature "cultural tourism +" integration models and 86% exploring new cultural business formats [2] Group 3: Cultural Industry - The cultural industry top 100 enterprises achieved a total asset of 680.45 billion yuan, a remarkable year-on-year growth of 77.17% [2] - Their total revenue reached 420.08 billion yuan, with a profit of 43.59 billion yuan, both showing significant increases [2] - High-tech services have become the main revenue driver for the cultural industry, indicating a deep integration of culture and technology [2] Group 4: Specialized and Innovative Enterprises - The specialized and innovative top 100 enterprises reported a total revenue of 75.56 billion yuan and a net profit of 9.73 billion yuan [3] - A significant number of these enterprises (97) rely on self-developed core technologies, and 76 are involved in collaborative innovation models [3] - They filed 3,579 domestic patent applications, with over 72% being invention patents, showcasing their innovation capabilities [3] Group 5: Investment and Social Responsibility - The report introduced outstanding investment cases and social responsibility examples for the first time, with strategic investments making up 65% of the total [7] - A total of 1,475 enterprises participated in the social responsibility survey, with 244 submitting cases, and 35 recognized for their efforts [7] - The surveyed enterprises contributed 12.39 billion yuan to rural revitalization initiatives [7]

Group 1 - The company has no plans to sell its stake in Minsheng Bank, indicating a stable financial situation [1] - The company reported good profitability, which supports its decision to retain the investment in Minsheng Bank [1] - The inquiry about selling the stake was raised by investors on an interactive platform, reflecting market interest in the company's investment strategy [1]

Core Insights - The article emphasizes the importance of selecting bank wealth management products amidst a plethora of similar-sounding offerings, urging investors to discern and choose wisely [1] - The South Finance Wealth Management team compiles a weekly performance ranking of wealth management products available through various distribution channels, focusing on those with outstanding performance [1][6] - The ranking criteria include product type, specifically targeting pure fixed income, "fixed income plus," and mixed products, as well as performance stability over a minimum of three months [1] Group 1: Product Performance - The ranking showcases annualized performance over the past month, three months, and six months, sorted by the three-month annualized return to reflect multidimensional performance during recent market fluctuations [1] - The current focus is on pure fixed income products issued by wealth management companies, providing investors with a curated selection of available products [1] Group 2: Distribution Institutions - A total of 28 distribution institutions are involved, including major banks such as Industrial and Commercial Bank of China, Bank of China, Agricultural Bank of China, and others [2] - The assessment of the "on sale" status of wealth management products is based on their investment cycle projections, although actual availability may vary due to factors like sold-out quotas or differing product lists for various clients [2] Group 3: Performance Data - The article includes specific performance data for various wealth management products, detailing their annualized returns over different periods, such as the "Stable Wealth High-Grade Pure Bond 18" from Bank of China, which has a three-month annualized return of 7.67% [5] - Other notable products include "Stable Enjoy Flexible Wisdom Day Open 20" from China Merchants Bank with a three-month return of 7.47% and "Stable Wealth High-Grade Pure Bond 36" also from Bank of China with a return of 7.27% [5][7]

Core Viewpoint - The article discusses the challenges investors face in selecting bank wealth management products due to the overwhelming variety of similar-sounding products, and it aims to provide a performance ranking of these products to assist investors in making informed choices [1]. Group 1: Product Selection Criteria - The ranking of wealth management products is based on two main criteria: product type, focusing on pure fixed income, "fixed income plus," and mixed products, and performance stability, requiring products to have been established for at least three months to ensure sufficient performance data [1]. - The sample selection includes RMB public wealth management products, and the ranking reflects annualized performance over the past month, three months, and six months, sorted by the three-month annualized yield [1]. Group 2: Participating Institutions - A total of 28 distribution institutions are involved in the ranking, including major banks such as Industrial and Commercial Bank of China, Bank of China, Agricultural Bank of China, and others [2]. - The article notes that the "on sale" status of the products is based on investment cycle estimates, but actual availability may vary due to factors like sold-out quotas or differences in product listings for different customers [2]. Group 3: Performance Ranking Highlights - The article provides a performance ranking of various mixed wealth management products, highlighting specific products from banks like Bank of China and China Everbright Bank, with details on their annualized yields over different time frames [4]. - For instance, the top-ranked product from Bank of China has a three-month annualized yield of 9%, while other products show varying yields, indicating a competitive landscape among wealth management offerings [4].