为扎实做好科技金融"大文章"，促进"科技-产业-金融"良性循环，全面提升服务专精特新企业质效，近 日，盛京银行在全行范围内启动"助力发展新质生产力 走进千家专精特新"专项活动。 该行安排自2024年10月-2025年6月，集中走访专精特新中小企业、专精特新"小巨人"企业、制造业单项 冠军企业千家以上，主动给各类专精特新企业送政策、送产品、送服务，努力为相关企业主体提供更加 精准、高效的综合金融服务。 盛京银行表示，专精特新企业是推进新型工业化、发展新质生产力的重要生力军。 本次集中走访安排思想行动统一、任务目标明确、工作重点清晰、责任分工压实，希望通过实地走访服 务，全面提升服务专精特新企业质效，进一步完善金融支持科技创新的工作机制，为助力推动高水平科 技自立自强作出新贡献。 2024年以来，该行将科技金融纳入核心业务规划，结合科技型企业研发投入、专利情况、成长空间、政 策支持等要素进行企业画像，创新推出并不断完善"科技研发贷""科技人才贷""科技积分贷""科技认股 选择权"等科技金融系列信贷产品，服务科技型企业全生命周期发展。 通过强化内部联动、外部协同、跨界融合，努力为科技型企业提供全链条、多元化、接力式 ...

Financial Performance - Revenue for the first half of 2024 decreased by 36.2% to RMB 4,560.15 million compared to RMB 7,143.94 million in the same period of 2023[5] - Net profit attributable to shareholders decreased by 21.9% to RMB 576.59 million in the first half of 2024 from RMB 737.88 million in the same period of 2023[5] - Net profit for the first half of 2024 was RMB 592 million, a decrease of RMB 198 million, or 25.1%, compared to the same period last year[13] - Net profit for the period was RMB 650.98 million, a decrease from RMB 919.25 million in the same period last year[183] - Net profit attributable to shareholders for the six months ended June 30, 2024, was RMB 576,594 thousand, compared to RMB 737,875 thousand in the same period in 2023[173] - Total comprehensive income for the six months ended June 30, 2024, was RMB 172,611 thousand, compared to RMB 897,956 thousand in the same period in 2023[174] - Other comprehensive income for the first half of 2024 was a loss of RMB 419.08 million[180] - Total comprehensive income for the first half of 2024 was RMB 172.61 million[180] - Pre-tax profit for corporate banking was RMB 751,304 thousand, retail banking was RMB 131,086 thousand, and funds business incurred a loss of RMB 244,764 thousand, with other business contributing RMB 13,354 thousand, resulting in a total pre-tax profit of RMB 650,980 thousand[195] - Pre-tax profit for corporate banking in the previous period was RMB 3,253,163 thousand, retail banking was RMB 77,500 thousand, and funds business incurred a loss of RMB 2,413,324 thousand, with other business contributing RMB 1,915 thousand, leading to a total pre-tax profit of RMB 919,254 thousand[198] Asset and Liability Management - Total assets decreased by 1.1% to RMB 1,068.31 billion as of June 30, 2024, compared to RMB 1,080.05 billion at the end of 2023[5] - Total loans and advances increased by 3.1% to RMB 492.71 billion as of June 30, 2024, compared to RMB 477.88 billion at the end of 2023[5] - Total deposits increased by 2.4% to RMB 779.28 billion as of June 30, 2024, compared to RMB 761.15 billion at the end of 2023[5] - Total liabilities decreased by RMB 11.916 billion to RMB 988.241 billion, a 1.2% decline compared to the end of the previous year[73] - Total equity increased to RMB 80.06 billion as of June 30, 2024, up from RMB 79.89 billion at the end of 2023[177] - Total assets as of June 30, 2024, were RMB 1,068,305,291 thousand, compared to RMB 1,080,052,706 thousand as of December 31, 2023[175] - Loans and advances as of June 30, 2024, were RMB 517,773,638 thousand, compared to RMB 496,289,504 thousand as of December 31, 2023[175] - Financial investments measured at fair value through profit or loss as of June 30, 2024, were RMB 102,030,638 thousand, compared to RMB 105,916,358 thousand as of December 31, 2023[175] - Financial investments measured at fair value through other comprehensive income as of June 30, 2024, were RMB 55,366,719 thousand, compared to RMB 86,554,502 thousand as of December 31, 2023[175] - Financial investments measured at amortized cost as of June 30, 2024, were RMB 250,522,833 thousand, compared to RMB 264,690,316 thousand as of December 31, 2023[175] - Cash and deposits with central banks as of June 30, 2024, were RMB 83,349,513 thousand, compared to RMB 76,097,764 thousand as of December 31, 2023[175] - Total liabilities for corporate banking were RMB 239,210,055 thousand, retail banking were RMB 565,830,886 thousand, and funds business were RMB 183,091,896 thousand, with other liabilities at RMB 108,580 thousand, resulting in a total liability sum of RMB 988,241,417 thousand[196] - Total liabilities for corporate banking in the previous period were RMB 279,026,867 thousand, retail banking were RMB 554,934,279 thousand, and funds business were RMB 178,759,906 thousand, with other liabilities at RMB 108,866 thousand, leading to a total liability sum of RMB 1,012,829,918 thousand[199] Interest Income and Expense - Interest income decreased by RMB 4.86 billion, or 22.8%, while interest expenses decreased by RMB 2.11 billion, or 13.8%, resulting in a net interest income decrease of RMB 2.74 billion, or 45.9%[14][17][18] - Net interest income decreased by RMB 2.743 billion to RMB 3.236 billion, with a net interest margin of 1.20% and a net interest spread of 0.80%[21][22] - Interest income for the six months ended June 30, 2024, was RMB 16,442,995 thousand, compared to RMB 21,300,324 thousand in the same period in 2023[173] - Net interest income for the six months ended June 30, 2024, was RMB 3,235,788 thousand, compared to RMB 5,978,322 thousand in the same period in 2023[173] - Interest income received was RMB 12.20 billion, up from RMB 8.54 billion in the same period last year[185] - Interest payments (excluding bond interest) decreased to RMB 10.76 billion, compared to RMB 15.71 billion in 2023[185] - Net interest income for corporate banking was RMB 2,436,459 thousand, while retail banking recorded a net interest income of RMB 1,197,768 thousand, and funds business had a net interest expense of RMB 398,439 thousand, resulting in a total net interest income of RMB 3,235,788 thousand[195] - Net interest income for corporate banking in the previous period was RMB 4,671,451 thousand, retail banking was RMB 1,300,042 thousand, and funds business was RMB 6,829 thousand, leading to a total net interest income of RMB 5,978,322 thousand[198] Loan and Deposit Performance - Total loans and advances increased by 3.1% to RMB 492.71 billion as of June 30, 2024, compared to RMB 477.88 billion at the end of 2023[5] - Total deposits increased by 2.4% to RMB 779.28 billion as of June 30, 2024, compared to RMB 761.15 billion at the end of 2023[5] - The loan-to-deposit ratio increased to 63.23% as of June 30, 2024, from 62.78% at the end of 2023[6] - Loans in key areas such as technology, green, and manufacturing reached RMB 16.2 billion, with small and micro enterprise loans growing by 32.2% and the number of small and micro enterprise loan customers increasing by 23.9%[11] - Loans and advances accounted for RMB 485.01 billion of interest-earning assets, with an average yield of 5.08%, down from 5.36% in the same period last year[20] - Loan and advance interest income decreased by RMB 5.215 billion (29.8%) to RMB 12.258 billion, accounting for 74.5% of total interest income, down 7.5 percentage points year-over-year[28] - Total loans and advances increased to RMB 492.71 billion as of June 30, 2024, up from RMB 477.88 billion at the end of 2023, with mortgage loans accounting for 40.4% of the total[63] - Corporate loans (including bill discounts) increased by RMB 13.99 billion (3.8%) to RMB 383.32 billion, representing 77.8% of total loans and advances, up 0.5 percentage points from the end of 2023[60] - Personal loans increased by RMB 833 million (0.8%) to RMB 109.38 billion, accounting for 22.2% of total loans and advances, down 0.5 percentage points from the end of 2023[60] - Deposits increased by RMB 18.123 billion to RMB 779.277 billion, a 2.4% increase, accounting for 78.9% of total liabilities[75] - Personal deposits grew by RMB 27.206 billion, a 5.2% increase, while corporate deposits decreased by RMB 15.217 billion[75] Non-Performing Loans and Risk Management - The non-performing loan ratio slightly decreased to 2.66% as of June 30, 2024, from 2.68% at the end of 2023[6] - Non-performing loan ratio decreased to 2.66%, down by 0.02 percentage points from the end of the previous year, while the provision coverage ratio increased to 159.59%, up by 0.09 percentage points[10] - The company's non-performing loan ratio was 2.66% as of June 30, 2024, compared to 2.68% as of December 31, 2023[90] - Corporate loans (including bill discounts) had a non-performing loan ratio of 2.62% as of June 30, 2024, down from 2.66% as of December 31, 2023[91] - Personal loans had a non-performing loan ratio of 2.82% as of June 30, 2024, up from 2.74% as of December 31, 2023[91] - Total non-performing loans amounted to RMB 13.11 billion as of June 30, 2024, with a NPL ratio of 2.66%[82] - Loans classified as normal accounted for 93.3% of total loans as of June 30, 2024, up from 94.2% at the end of 2023[83] - Loans to the top five industries (wholesale and retail, leasing and business services, real estate, manufacturing, and construction) accounted for 59.2% of total loans as of June 30, 2024[87] - The top ten single borrowers accounted for 11.72% of total loans as of June 30, 2024, all classified as normal loans[89] - Loans to the wholesale and retail industry had the highest NPL ratio of 4.85% as of June 30, 2024[85] - Loans to the real estate industry had a NPL ratio of 2.36% as of June 30, 2024, up from 2.20% at the end of 2023[85] - Loans to the manufacturing industry had a NPL ratio of 3.05% as of June 30, 2024, down from 3.61% at the end of 2023[85] - Loans to the agriculture, forestry, animal husbandry, and fishery industry had the highest NPL ratio of 8.18% as of June 30, 2024[86] - The company optimized its credit risk management by refining credit policies, implementing quota management, and improving loan review processes[119] - The company strengthened its operational risk management by enhancing internal control culture, optimizing risk control mechanisms, and conducting regular risk assessments[121] - The company improved its market risk management system, including the introduction of the "Market Risk Management Measures (2024)" and the "Market Risk Quota Management Plan (2024)"[122] - The company focused on managing interest rate risk in the banking book by adjusting asset-liability structures and using internal pricing tools to mitigate the impact of rate fluctuations[123] - The company established a comprehensive liquidity risk management system to ensure liquidity safety and meet regulatory requirements[124] Capital and Liquidity - The capital adequacy ratio decreased to 13.93% as of June 30, 2024, from 14.12% at the end of 2023[6] - The company's core tier 1 capital adequacy ratio was 10.26%, tier 1 capital adequacy ratio was 12.24%, and total capital adequacy ratio was 13.93% as of June 30, 2024[92] - The company's capital adequacy ratio remained stable, with a capital reserve of RMB 14.859 billion[80] - The company has extended the validity period for the issuance of financial bonds until November 29, 2024[152] - The company's total equity as of December 31, 2023, was RMB 79.89 billion, with retained earnings of RMB 23.53 billion[182] - The company allocated RMB 54.44 million to statutory surplus reserves during the first half of 2024[180] - The company allocated RMB 28.16 million to general reserves during the first half of 2024[180] - Cash dividends distributed during the first half of 2024 amounted to RMB 3.6 million[180] - The company's investment revaluation reserve decreased to a negative RMB 2.79 billion as of June 30, 2024, from a negative RMB 2.35 billion at the end of 2023[177] Digital Transformation and Innovation - The bank enhanced digital transformation and product innovation in transaction banking to support regional development[103] - The bank implemented advanced machine learning algorithms to improve retail credit risk models and customer experience[106] - Mobile banking users reached 4.287 million, a year-on-year increase of 3.8%, with monthly active users growing by 4.0% compared to the same period last year[117] - The company launched 42 new features in its mobile banking app, including card replacement, wealth management, and loan services, enhancing the user experience[117] - The company upgraded its domestic distributed database platform and implemented a multi-active mode across three data centers, significantly improving data security and business continuity[118] - The company developed new platforms such as the "Intelligent Message Push Platform" and "Shengqing Community Platform" to drive business scenario innovation[118] Corporate Governance and Shareholding - The company's board of directors includes 5 executive directors, 5 non-executive directors, and 5 independent non-executive directors[154][155] - The company's senior management team includes a President, 3 Vice Presidents, and a Chief Information Officer[154][155] - The company's independent non-executive director Chen Bonan's appointment is pending approval from the Liaoning Financial Regulatory Bureau[155] - The company's Assistant to the President Sun Yingpin's appointment is pending approval from the Liaoning Financial Regulatory Bureau[155] - Total number of shares as of the latest practicable date is 8,796,680,200, with 6,455,937,700 domestic shares and 2,340,742,500 H shares, unchanged during the reporting period[131] - State-owned legal person holdings increased by 300,000,000 shares to 3,600,756,425 shares, representing 40.93% of total shares, while private legal person holdings decreased by 300,000,000 shares to 2,733,627,664 shares, representing 31.08% of total shares[132] - As of June 30, 2024, the bank has 3,469 domestic shareholders and 124 H-share shareholders, including 42 state-owned legal person shareholders, 110 private legal person shareholders, and 3,317 individual shareholders[133] - The top 10 domestic shareholders hold a total of 4,409,061,661 shares, representing 50.12% of the total share capital, with Shenyang Shengjing Financial Holding Investment Group Co., Ltd. holding the largest stake at 20.79%[134] - Shenyang Shengjing Financial Holding Investment Group Co., Ltd. holds 1,829,225,327 shares, representing 28.33% of domestic shares and 20.79% of total share capital[137] - Shenyang Municipal State-owned Assets Supervision and Administration Commission holds 64.85% of Shenyang Financial Holding Group, which owns 1,829,225,327 A-shares of the company[138] - Shenyang Industrial Investment Development Group Co., Ltd., which is 98.16% owned by Shenyang Municipal State-owned Assets Supervision and Administration Commission, holds 479,836,334 A-shares of the company[138] - Sun Cuhong holds 420,898,500 H-shares, representing 17.98% of total H-shares and 4.78% of total share capital[140] - Future Capital Group Limited holds 400,000,000 H-shares, representing 17.09% of total H-shares and 4.55% of total share capital[140] - PEAK TRUST COMPANY-NV holds 406,761,000 H-shares, representing 17.38% of total H-shares and 4.62% of total share capital[140] - Zhang Songqiao holds 324,651,500 H-shares, representing 13.87% of total H-shares and 3.69% of total share capital[140] - Oshidori International Holdings Limited holds 293,034,000 H-shares, representing 12.52% of total H-shares and 3.33% of total share capital[140] - Cheng Yu Tung Family (Holdings II) Limited holds 179,518,060 H-shares, representing 7.67% of total H-shares and 2.04% of total share capital[140] - Chow Tai Fook (Holding) Limited holds 179,518,060 H-shares, representing 7.67% of total H-shares and 2.04% of total share capital[140] - Murtsa Capital Limited holds 172,512,893 H-shares, representing 7.37% of total H-shares and 1.96% of total share capital[141] - Murtsa Capital Limited holds

Financial Performance - Revenue for the first half of 2024 decreased by 36.2% to RMB 4,560,146 thousand compared to RMB 7,143,937 thousand in the same period of 2023[7] - Net profit attributable to shareholders declined by 21.9% to RMB 576,594 thousand in H1 2024 from RMB 737,875 thousand in H1 2023[7] - Net profit for the first half of 2024 was RMB 592 million, a decrease of RMB 198 million (25.1%) year-on-year[15] - Net profit attributable to shareholders for the six months ended June 30, 2024, was RMB 576,594 thousand, down from RMB 737,875 thousand in the same period in 2023[175] - Net profit for the period was RMB -24,876 thousand, with a comprehensive income of RMB -2,336,109 thousand[184] - Basic and diluted earnings per share for the six months ended June 30, 2024, were RMB 0.07, compared to RMB 0.08 in the same period in 2023[176] Assets and Liabilities - Total assets decreased by 1.1% to RMB 1,068,305,291 thousand as of June 30, 2024, compared to RMB 1,080,052,706 thousand at the end of 2023[7] - Total assets reached RMB 1,068.305 billion, with total deposits increasing by RMB 18.123 billion (2.4%) to RMB 779.277 billion, accounting for 78.9% of total liabilities, up 2.8 percentage points from the previous year[11] - Total assets decreased to RMB 1,068.31 billion as of June 30, 2024, down from RMB 1,080.05 billion at the end of 2023[179] - Total liabilities decreased by RMB 11.916 billion (1.2%) to RMB 988.241 billion as of June 30, 2024, compared to the end of the previous year[75] - Total liabilities were RMB 988,241,417 thousand, with corporate banking liabilities at RMB 239,210,055 thousand, retail banking at RMB 565,830,886 thousand, and funds business at RMB 183,091,896 thousand[199] - Total equity increased slightly to RMB 80.06 billion as of June 30, 2024, up from RMB 79.89 billion at the end of 2023[179] Loans and Advances - Total loans and advances increased by 3.1% to RMB 492,707,548 thousand as of June 30, 2024, compared to RMB 477,876,799 thousand at the end of 2023[7] - Total loans increased by RMB 14.831 billion (3.1%) to RMB 492.708 billion, accounting for 46.1% of total assets, up 1.8 percentage points from the previous year[11] - Loans and advances to customers as of June 30, 2024, were RMB 517,773,638 thousand, up from RMB 496,289,504 thousand as of December 31, 2023[177] - Corporate loans (including bill discounts) reached RMB 383.32 billion, accounting for 77.8% of total loans and advances, up 3.8% from the end of 2023[62] - Personal loans totaled RMB 109.38 billion, representing 22.2% of total loans and advances, with a slight increase of 0.8% from the end of 2023[62] Deposits - Total deposits grew by 2.4% to RMB 779,277,310 thousand as of June 30, 2024, from RMB 761,154,553 thousand at the end of 2023[7] - Customer deposits increased by RMB 18.123 billion (2.4%) to RMB 779.277 billion, accounting for 78.9% of total liabilities, up 2.8 percentage points from the previous year[77] - Deposits from customers grew to RMB 800.46 billion as of June 30, 2024, compared to RMB 779.97 billion at the end of 2023, an increase of RMB 20.49 billion[178] Non-Performing Loans (NPL) and Risk Management - The non-performing loan ratio slightly improved to 2.66% as of June 30, 2024, compared to 2.68% at the end of 2023[8] - Non-performing loan ratio decreased by 0.02 percentage points to 2.66%, while the provision coverage ratio increased by 0.09 percentage points to 159.59%[12] - The bank's non-performing loan (NPL) ratio decreased to 2.66% as of June 30, 2024, down by 0.02 percentage points from the end of 2023[83] - The bank's provision coverage ratio improved to 159.59% as of June 30, 2024, up by 0.09 percentage points from the end of 2023[83] - The NPL ratio for corporate loans (including bill discounts) was 2.62% as of June 30, 2024, slightly down from 2.66% at the end of 2023[93] - The NPL ratio for personal loans increased to 2.82% as of June 30, 2024, compared to 2.74% at the end of 2023[93] Interest Income and Expenses - The net interest margin declined by 0.42 percentage points to 0.80% in H1 2024 compared to 1.22% in H1 2023[7] - Interest income decreased by RMB 4.857 billion (22.8%) to RMB 16.443 billion, while interest expenses decreased by RMB 2.115 billion (13.8%) to RMB 13.207 billion[16] - Net interest income decreased by RMB 2.743 billion (45.9%) to RMB 3.236 billion[16] - Net interest income for the first half of 2024 was RMB 3.235 billion, a decrease of RMB 2.742 billion (45.9%) compared to the same period in 2023[19][20] - Interest income for the first half of 2024 was RMB 16.443 billion, a decrease of RMB 4.857 billion (22.8%) compared to the same period in 2023, primarily due to a decrease in interest income from loans and advances[28][29] - Interest expense for the first half of 2024 was RMB 13.207 billion, a decrease of RMB 2.115 billion (13.8%) compared to the same period in 2023[20] Capital Adequacy and Ratios - The capital adequacy ratio decreased by 0.19 percentage points to 13.93% as of June 30, 2024, from 14.12% at the end of 2023[8] - The bank's capital adequacy ratios as of June 30, 2024, were 10.26% for core tier 1 capital, 12.24% for tier 1 capital, and 13.93% for total capital, all meeting regulatory requirements[94] - The bank's total capital net amount was RMB 105.547 billion as of June 30, 2024, with risk-weighted assets totaling RMB 757.566 billion[96] Operating Expenses and Cost Management - The cost-to-income ratio increased significantly to 57.58% in H1 2024 from 33.39% in H1 2023[7] - Operating expenses increased by RMB 220.05 million (8.6%) to RMB 2.77 billion in the first half of 2024[49] - Employee compensation expenses decreased by RMB 20.30 million (1.4%) to RMB 1.46 billion in the first half of 2024[50] - Office expenses decreased by RMB 40.61 million (36.0%) to RMB 72.30 million in the first half of 2024[52] - Depreciation and amortization expenses increased by RMB 10.39 million (3.6%) to RMB 295.78 million in the first half of 2024[52] - Other general and administrative expenses increased by RMB 290.76 million (57.1%) to RMB 800.41 million in the first half of 2024[53] Investment and Trading Activities - Investment income increased by RMB 1.204 billion (105.8%) to RMB 2.342 billion, driven by the sale and disposal of bonds and other financial investments[16] - Financial investment net income increased by RMB 1.204 billion (105.8%) to RMB 2.342 billion in H1 2024, mainly due to higher net gains from bond asset disposals[47] - Net investment income for the six months ended June 30, 2024, was RMB 2,342,057 thousand, an increase from RMB 1,137,775 thousand in the same period in 2023[175] - Trading net loss increased by RMB 931 million to RMB 1.058 billion in H1 2024, primarily due to foreign exchange business costs and fair value revaluation changes[46] - Net trading loss for the six months ended June 30, 2024, was RMB 1,058,480 thousand, compared to a loss of RMB 126,981 thousand in the same period in 2023[175] Business Segments and Contributions - Corporate banking business generated RMB 2.534 billion in operating income, accounting for 55.6% of the total operating income in the first half of 2024[99] - Retail banking business contributed RMB 1.129 billion in operating income, representing 24.7% of the total operating income in the first half of 2024[99] - The funds business generated RMB 880 million in operating income, making up 19.3% of the total operating income in the first half of 2024[99] - Total operating income for the first half of 2024 was RMB 4,560.146 million, with corporate banking contributing RMB 2,533.834 million (55.6%) and retail banking contributing RMB 1,128.556 million (24.7%)[100] - Net interest income for corporate banking was RMB 2,436,459 thousand, while retail banking recorded RMB 1,197,768 thousand, and funds business had a net interest expense of RMB 398,439 thousand, resulting in a total net interest income of RMB 3,235,788 thousand[198] - Total operating income for the company was RMB 4,560,146 thousand, with corporate banking contributing RMB 2,533,834 thousand, retail banking RMB 1,128,556 thousand, and funds business RMB 879,821 thousand[198] Shareholder and Equity Information - The total number of shares of the company is 8,796,680,200, with 6,455,937,700 domestic shares and 2,340,742,500 H-shares, showing no change during the reporting period[133] - As of June 30, 2024, the company has 3,469 domestic shareholders and 124 H-share shareholders, including 42 state-owned legal entity shareholders and 110 private legal entity shareholders[135] - The top 10 domestic shareholders hold a total of 4,409,061,661 shares, accounting for 50.12% of the company's total shares, with 480,000,000 shares pledged[136] - Shenyang Shengjing Financial Holding Investment Group Co., Ltd. is the largest shareholder, holding 1,829,225,327 shares, representing 20.79% of the total shares[136] - Shenyang Hengxin State-owned Assets Management Group Co., Ltd. holds 479,836,334 shares, accounting for 5.45% of the total shares[136] - Liaoning Huibao International Investment Group Co., Ltd. holds 400,000,000 shares, representing 4.55% of the total shares, with all shares pledged[136] Risk Management and Compliance - The company has established a comprehensive market risk management system, including the issuance of the "Shengjing Bank Market Risk Management Measures (2024)" and the "Shengjing Bank Book Division Implementation Rules (2024)"[124] - The company has implemented the "Shengjing Bank 2024 Market Risk Limit Management Plan" to strengthen limit monitoring and early warning, enhancing market risk control[124] - The company has built a liquidity risk management system to ensure timely and cost-effective liquidity needs, achieving overall liquidity safety and compliance with regulatory indicators[126] - The company has optimized its information technology risk management, using advanced data analysis and AI technologies to build a comprehensive IT internal control and compliance management system[127] - The company has successfully constructed an open-source vulnerability knowledge base platform, which has accumulated over 280,000 vulnerability records, providing strong technical support for system security risk prevention[127] - The company has conducted network security self-inspections and data security checks, with a total of 5,987 employees participating in training courses related to network security and digital transformation[127] - The company has strengthened its reputation risk management by enhancing forward-looking analysis and dynamic monitoring, ensuring timely response and maintaining an efficient linkage mechanism[128] - The company has implemented a compliance risk management system, including the "Shengjing Bank Compliance Three-Year Action Plan (2024-2026)" and monthly supervision mechanisms to ensure regulatory compliance[129] - The company has enhanced its anti-money laundering (AML) risk management by optimizing AML operational models and strengthening the identification, monitoring, and control of AML risks[130] - The company has improved its AML monitoring models and increased the use of financial technology to enhance the effectiveness of AML risk monitoring and control measures[130] Subsidiaries and Investments - The total assets of the 6 village banks reached RMB 2.343 billion, a year-on-year increase of 28.9%[116] - The total liabilities of the village banks amounted to RMB 1.727 billion, a year-on-year increase of 42.4%, with deposits reaching RMB 1.686 billion, up 44.6% year-on-year[116] - Shenyang Shenbei Fumin Village Bank was established on February 9, 2009, with a registered capital of 150,000 thousand RMB, and the company holds a 20% stake[189] - Shenyang Xinmin Fumin Village Bank was established on June 25, 2010, with a registered capital of 30,000 thousand RMB, and the company holds a 20% stake[189] - Shenyang Faku Fumin Village Bank was established on October 26, 2010, with a registered capital of 30,000 thousand RMB, and the company holds a 20% stake[189] - Shenyang Liaozhong Fumin Village Bank was established on November 26, 2010, with a registered capital of 30,000 thousand RMB, and the company holds a 20% stake[189] - Ningbo Jiangbei Fumin Village Bank was established on August 17, 2011, with a registered capital of 100,000 thousand RMB, and the company holds a 30% stake[189] - Shanghai Baoshan Fumin Village Bank was established on September 9, 2011, with a registered capital of 150,000 thousand RMB, and the company holds a 40% stake[189] - Sheng Yin Consumer Finance Co., Ltd. was established on February 25, 2016, with a registered capital of 300,000 thousand RMB, and the company holds a 75% stake[189] Cash Flow and Financial Position - Operating cash flow for the six months ended June 30, 2024, was RMB -51,872,774 thousand, compared to RMB -9,932,168 thousand in the same period in 2023[185] - Investment cash flow for the six months ended June 30, 2024, was RMB 76,545,682 thousand, compared to RMB 15,795,239 thousand in the same period in 2023[186] - Financing cash flow for the six months ended June 30, 2024, was RMB -272,951 thousand, compared to RMB -3,462,323 thousand in the same period in 2023[187] - Cash and cash equivalents increased by RMB 24,394,121 thousand to RMB 60,164,061 thousand as of June 30, 2024[187] - The company's operating assets decreased by RMB 23,621,262 thousand, primarily due to a net increase in loans and advances of RMB 32,654,548 thousand[185] - The company's operating liabilities increased by RMB 16,337,477 thousand, mainly due to a net increase in deposits of RMB 20,492,469 thousand[186] Other Financial Metrics - The loan-to-deposit ratio increased to 63.23% as of June 30, 2024, from 62.78% at the end of 2023[8] - The average yield on interest-earning assets decreased to 4.05% in the first half of 2024 from 4.35% in the same period in 2023[22] - The average interest rate on interest-bearing liabilities decreased to 2.85% in the first half of 2024 from 3.05% in the same period in 2023[23] - The net interest spread decreased to 1.20% in the first half of 2024 from 1.30% in the same period in 2023[23] - Corporate loans (including bill discounts) accounted for 56.3% of total interest income in the first half of 2024, down from 68.5% in the same period in 2023[29] - Personal loans accounted for 18.2% of total interest income in the first half of 2024, up from 13.5% in the same period in 2023[29] - Financial investments accounted for 21.2% of total interest income in the first half of 2024, up from 14.2% in the same period in 2023[29] Corporate Governance and Management - The company's board of directors includes 5 executive directors, 5 non-executive directors, and 5 independent non-executive directors[156] - The company's senior management team includes a President, 3 Vice Presidents, and a Chief Information Officer[157] - No directors, supervisors, or senior executives hold any interests or short positions in the company's shares or related securities[158] - Total number of employees as of June 30, 2024, is 8,601[162] - The company conducted 9,822 training sessions in

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通告內容 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 會 就本通告全部或任何部分內容而產生或因倚賴該等內容而引致的任何 損 失 承 擔 任 何 責 任。 SHENGJING BANK CO., LTD.** 盛京銀行股份有限公司** （於中華人民共和國註冊成立的股份有限公司） （股份代號：02066） 2023年度股東大會通告 茲 通 告 盛 京 銀 行 股 份 有 限 公 司（「本 行」）2023年 度 股 東 大 會（「大 會」）謹 定 於2024年6月5日（星 期 三）上 午10時 假 座 中國遼寧省瀋陽市瀋河區北站路 109號6樓604室 舉 行，以 審 議 並 酌 情 通 過 下 列 決 議 案： 普通決議案 1. 2023年 度 董 事 會 工 作 報 告； 2. 2023年 度 監 事 會 工 作 報 告； 3. 2023年度財務決算及2024年 度 財 務 預 算 報 告； 4. 2023年 度 利 潤 分 配 方 案； 5. 聘 任2024年 度 審 計 師； 聽取有關報告 ...

t 威京银行 SHENGJING BANK 盛 京 銀 行 股 份 有 限 公 司 * (於中華人民共和國註冊成立的股份有限公司) 股份代號：02066 30 2023 年 度 報 告 2023 年度 點 售 tamore in the may 12 fire late the 1 T A 目錄 | --- | --- | --- | --- | --- | --- | --- | |-------|-------|--------------------|-------|-------|----------------------------|-------| | | | | | | | | | 1. | | 公司基本情況 | 2 | 8. | 董事、監事、高級管理人員及 | 73 | | 2. | | 財務摘要 | 4 | | 員工 | | | 3. | | 董事長致辭 | 7 | 9. | 企業管治報告 | 93 | | 4. | | 榮譽與獎項 | 9 | 10. | 董事會報告 | 124 | | 5. | | 管理層討論和分析 | 11 | 11. | 監事會報告 | 130 | | | 5.1 ...

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 會 就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的任何 損 失 承 擔 任 何 責 任。 SHENGJING BANK CO., LTD.** 盛京銀行股份有限公司** （於中華人民共和國註冊成立的股份有限公司） （股份代號：02066） 截 至2023年12月31日止年度業績公告 盛 京 銀 行 股 份 有 限 公 司（「本 行」）董 事 會（「董事會」）欣 然 公 佈 截 至2023年 12月31日 止 年 度 經 審 計 的 本 行 及 其 子 公 司 年 度 業 績（「年度業績」）（根 據 國 際 會 計 準 則 委 員 會 頒 佈 的《國 際 財 務 報 告 準 則》編 製）及 建 議2023年 度 的股息安排。本行董事會及其轄下的審計委員會已審查並確認年度業績。 年度業績刊登在香港聯合交易所有限公司網站(www.hkexnews.hk)和本行 網 站(www.shengjingbank.com.cn)上。本 行202 ...

盛京銀行股份有限公司* （於中華人民共和國註冊成立的股份有限公司） 股份代號：02066 2023 中期報告 9 Sto 1 14 -0 -0 7 P ly 20 e > k 9 9 P f P 1 公司基本情況 2 2 財務摘要 4 3 管理層討論與分析 8 3.1 總體經營情況 8 3.2 財務報表分析 10 3.3 業務綜述 50 3.4 風險管理 62 3.5 未來展望與發展戰略 72 4 股本變動及股東情況 73 5 董事、監事、高級管理人員及員工 83 6 重要事項 89 7 獨立核數師審閱報告 91 8 中期財務報表 93 9 中期財務報表附註 104 10 未經審計的補充財務信息 249 11 釋義 255 目錄 * 盛京銀行股份有限公司根據香港銀行業條例（香港法例第155章）並非一家認可機構，並非受限於香港金融管理局的 監督，及不獲授權在香港經營銀行及╱或接受存款業務。 公司基本情況 | --- | --- | |-----------------------------------|-----------------------------------------------| | | | ...

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 會 就本公告全部或任何部分內容而產生或倚賴該等內容而引致的任何損 失 承 擔 任 何 責 任。 SHENGJING BANK CO., LTD.* 盛京銀行股份有限公司* （於中華人民共和國註冊成立的股份有限公司） （股份代號：02066） 截 至2023年6月30日止六個月之中期業績公告 盛 京 銀 行 股 份 有 限 公 司（「本 行」或「盛京銀行」）董 事 會（「董事會」）欣 然 宣 佈本行截至2023年6月30日 止 六 個 月 的 未 經 審 計 的 中 期 業 績。本 行 編 製 的截至2023年6月30日 止 六 個 月 的 中 期 財 務 信 息 已 經 國 富 浩 華（香 港）會 計 師 事 務 所 有 限 公 司 根 據《國 際 審 閱 準 則》第2410號 審 閱。本 行 董 事 會 及 其 轄 下 的 審 計 委 員 會 已 審 閱 及 確 認 此 中 期 業 績。此 中 期 業 績 公 告 於 本 行的網站(ww ...

日 威京银行 SHENGJING BANK 盛 京 銀 行 股 份 有 限 公 司 * (於中華人民共和國註冊成立的股份有限公司) 股份代號：02066 2022 目錄 | --- | --- | --- | --- | --- | --- | --- | |-------|-------|--------------------|-------|-------|----------------------------|-------| | | | | | | | | | 1. | | 公司基本情況 | 2 | 7. | 董事、監事、高級管理人員及 | 70 | | 2. | | 財務摘要 | 4 | | 員工 | | | 3. | | 榮譽與獎項 | 7 | 8. | 企業管治報告 | 87 | | 4. | | 管理層討論和分析 | 8 | 9. | 董事會報告 | 115 | | | 4.1 | 總體經營情況 | 8 | 10. | 監事會報告 | 121 | | | 4.2 | 財務報表分析 | 10 | 11. | 社會責任報告 | 124 | | | 4.3 | 業務綜述 | 42 | 12. | ...

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通告內容 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 會 就本通告全部或任何部分內容而產生或因倚賴該等內容而引致的任何 損 失 承 擔 任 何 責 任。 SHENGJING BANK CO., LTD.* 盛京銀行股份有限公司* （於中華人民共和國註冊成立的股份有限公司） （股份代號：02066） 2022年年度股東大會通告 茲通告 盛 京 銀 行 股 份 有 限 公 司（「本 行」）2022年 年 度 股 東 大 會（「大 會」）謹 定 於2023年6月2日（星 期 五）上 午9時30分假座中國遼寧省瀋陽市瀋河區 北站路109號6樓604室 舉 行，以 審 議 並 酌 情 通 過 下 列 決 議 案： 普通決議案 1. 2022年 度 董 事 會 工 作 報 告； 2. 2022年 度 監 事 會 工 作 報 告； 3. 2022年度財務決算及2023年 度 財 務 預 算 報 告； 4. 2022年 度 利 潤 分 配 方 案； 5. 聘 任2023年 度 審 計 師； 6. 建 議 修 ...