12月3日，国家金融监督管理总局朔州监管分局日前披露的行政处罚信息公开表显示，晋商银行股份有 限公司朔州分行因贷款"三查"制度执行不到位，国家金融监督管理总局朔州监管分局责令晋商银行朔州 分行改正并处罚款20万元。 同时，晋商银行股份有限公司朔州分行内部控制管理不到位，公章管理存在严重缺陷行为，被国家金融 监督管理总局朔州监管分局责令改正并处罚款40万元。 时任晋商银行山阴支行行长吕加富给予禁止终身从事银行业工作处罚。 时任晋商银行朔州分行办公室主任郭勇给予警告处罚。 ...

晉商銀行股份有限公司 2024 中期報告 晉商銀行股份有限公司 JINSHANG BANK CO., LTD. 晉商銀行股份有限公司 JINSHANG BANK CO., LTD. Stock Code: 2558 （於中華人民共和國註冊成立的股份有限公司） 股份代號：2558 (A joint stock company incorporated in the People's Republic of China with limited liability) 2024 中期報告 mp 目錄 釋義 02 公司簡介 04 會計數據及財務指標概要 08 管理層討論與分析 12 股本變動及股東資料 70 董事、監事、高級管理層及僱員 79 企業管治及其他資料 111 中期財務資料審閱報告 122 簡要合併損益及其他綜合收益表 123 簡要合併財務狀況表 125 簡要合併股東權益變動表 127 簡要合併現金流量表 129 簡要合併中期財務報表附註 132 未經審計補充財務信息 236 分支機構一覽表 240 釋義 「公司章程」 指 本行的公司章程，或會不時修訂、補充或以其他方式修改 「本行」或「我行」 指 晉商銀行 ...

Financial Performance - Interest income for the six months ended June 30, 2024, was RMB 5,997.3 million, an increase of 4.9% from RMB 5,718.4 million in the same period of 2023[4]. - Net interest income rose by 9.4% to RMB 2,218.8 million compared to RMB 2,028.3 million in the previous year[4]. - Net profit for the six months ended June 30, 2024, was RMB 1,029.4 million, a slight decrease of 0.3% from RMB 1,033.0 million in the same period of 2023[5]. - For the six months ended June 30, 2024, the company's operating income decreased by 1.7% to RMB 2,786.7 million from RMB 2,834.7 million for the same period in 2023[19]. - The pre-tax profit for the six months ended June 30, 2024, was RMB 1,046.6 million, while the net profit was RMB 1,029.4 million, remaining relatively stable compared to the previous year[19]. - The total operating income for the first half of 2024 was RMB 2,786.7 million, slightly down from RMB 2,834.7 million in the same period of 2023[100]. Asset and Liability Management - Total assets increased by 2.6% to RMB 370,863.1 million from RMB 361,305.0 million as of December 31, 2023[6]. - The bank's total liabilities increased by 2.7% to RMB 345,557.2 million from RMB 336,492.2 million as of December 31, 2023[6]. - Total equity increased by 2.0% to RMB 25,305.9 million as of June 30, 2024, from RMB 24,812.8 million as of December 31, 2023, mainly due to retained earnings from net profit[77]. - The issued bonds increased by 15.1% to RMB 25,114.7 million as of June 30, 2024, compared to RMB 21,825.9 million as of December 31, 2023, due to adjustments in the asset-liability structure[75]. - Customer deposits reached RMB 298,635.2 million as of June 30, 2024, reflecting a 3.6% increase from RMB 288,250.4 million as of December 31, 2023, driven by enhanced service levels for individual clients[73]. Credit Quality and Risk Management - Non-performing loan ratio increased to 1.85% from 1.78% as of December 31, 2023[8]. - The company's credit impairment losses decreased by 6.0% from RMB 859.5 million to RMB 808.2 million, attributed to a reduction in provisions for financial investments and credit commitments[47]. - The group’s non-performing loans (NPLs) reached RMB 3,746.9 million, up RMB 334.6 million from December 31, 2023, with an NPL ratio of 1.85%, an increase of 0.07 percentage points[81]. - The bank has established a comprehensive credit risk management system to identify, measure, monitor, and control credit risks associated with corporate and personal loans, as well as financial market operations[106]. - The bank is committed to enhancing its risk management framework, focusing on credit management and digital transformation in risk monitoring[105]. Income Sources and Expenses - Fee and commission income decreased by 23.5% to RMB 331.3 million from RMB 433.3 million in the same period of 2023[4]. - The trading income net amount showed a significant decline of 157.4% to RMB (98.9) million compared to the previous year[18]. - The investment securities income net amount increased by 40.6% to RMB 352.5 million, indicating a positive trend in this segment[18]. - Operating expenses decreased by 3.1% from RMB 950.3 million for the six months ended June 30, 2023, to RMB 920.4 million for the six months ending June 30, 2024, as the company implemented cost reduction strategies[41]. - The cost-to-income ratio (excluding taxes and surcharges) improved from 32.06% to 31.54% during the same period, indicating that the reduction in operating expenses outpaced the decline in operating income[41]. Loan Portfolio and Growth - Net loans and advances reached RMB 195,681.9 million, up from RMB 185,609.7 million, reflecting a growth of 5.8%[52]. - Corporate loans amounted to RMB 130,396.7 million, representing an 8.4% increase from RMB 120,284.4 million, driven by enhanced financial services to the real economy[54]. - Personal loans grew by 4.1% to RMB 33,110.8 million from RMB 31,819.7 million, supported by digital transformation and product innovation[57]. - The total amount of loans and advances issued was RMB 202,018.9 million as of June 30, 2024, an increase from RMB 191,436.1 million as of December 31, 2023[80]. - The total amount of overdue loans as of June 30, 2024, was RMB 4,246.9 million, accounting for 2.1% of the total loans, unchanged from December 31, 2023[95]. Strategic Initiatives and Future Outlook - The company is committed to enhancing financial services for the real economy, focusing on supporting manufacturing upgrades and strategic emerging industries[16]. - The company plans to enhance support for the real economy and explore specialized operational paths to achieve high-quality development[17]. - The company aims to maintain a stable operational approach while ensuring systemic risk is not breached, contributing to the financial development in Shanxi[17]. - The company plans to continue investing in projects with better returns while managing costs effectively[46]. - The bank is committed to maintaining a balance between prudent risk management and stable loan growth, guided by macroeconomic conditions and regulatory policies[106].

晋商银行 Jinshang Bank 晉商銀行股份有限公司 JINSHANG BANK 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：2558 年 度 報 告 2023 TE 五年會計數據及財務指標概要 8 管理層討論與分析 12 股本變動及股東資料 57 董事、監事、高級管理層及僱員 65 企業管治報告 91 董事會報告 125 監事會報告 146 重要事項 156 風險管理及內部控制 160 獨立審計師報告 163 目 錄 釋義 2 公司簡介 4 | --- | --- | --- | --- | --- | --- | --- | --- | |-------|-------|-------|-------|-------|-------|-------|--------------------------| | | | | | | | | 合併損益及其他綜合收益表 | | | | | | | | | 合併財務狀況表 | | | | | | | | | 合併股東權益變動表 | | | | | | | | | 合併現金流量表 | | | | | | | | | 合併財務報表附註 ...

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 賴該等內容而引致的任何損失承擔任何責任。 法定中文名稱 晉商銀行股份有限公司 中文簡稱 晉商銀行 法定英文名稱 Jinshang Bank Co., Ltd. 英文簡稱 Jinshang Bank 法定代表人 郝強(1) 授權代表人 郝強、黃偉超 H股上市地點 香港聯合交易所有限公司（「香港聯交所」） 股份簡稱 晉商銀行 股份代號 2558 JINSHANG BANK CO., LTD.* 晉商銀行股份有限公司 * （於中華人民共和國註冊成立的股份有限公司） （股份代號：2558） 2023年全年業績公告 晉商銀行股份有限公司*（「本行」）董事（「董事」）會（「董事會」）欣然宣佈本行及其 附屬公司（合稱為「本集團」）截至2023年12月31日止年度（「報告期」）的經審計合 併全年業績。本業績公告的內容乃根據《香港聯合交易所有限公司證券上市規則》 （「《香港上市規則》」）有關全年業績之初步公佈的適用披露規定以及國際會計準 則理事會（「國際會計準則 ...

晉商銀行股份有限公司 2023 中期報告 晉商銀行股份有限公司 JINSHANG BANK CO., LTD. 晉商銀行股份有限公司 JINSHANG BANK CO., LTD. （於中華人民共和國註冊成立的股份有限公司） (A joint stock company incorporated in the People's Republic of China with limited liability) 股份代號：2558 Stock Code: 2558 2023 中期報告 目錄 | --- | --- | |------------------------------|-------| | 釋義 | 02 | | 公司資料 | 04 | | 會計數據及財務指標概要 | 07 | | 管理層討論與分析 | 11 | | 股本變動及股東資料 | 63 | | 董事、監事、高級管理層及僱員 | 72 | | 企業管治及其他資料 | 78 | | 中期財務資料審閱報告 | 87 | | 簡要合併損益及其他綜合收益表 | 88 | | 簡要合併財務狀況表 | 90 | | 簡要合併股東權益變動表 | 92 | ...

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 賴該等內容而引致的任何損失承擔任何責任。 JINSHANG BANK CO., LTD.* 晉商銀行股份有限公司 * （於中華人民共和國註冊成立的股份有限公司） （股份代號：2558） 截至2023年6月30日止六個月 中期業績公告 晉商銀行股份有限公司（「* 本行」）董事會（「董事會」）欣然宣佈本行及其附屬公 司（合稱為「本集團」）截至2023年6月30日止六個月（「報告期」）的未經審計合併 中期業績。本業績公告的內容乃根據《香港聯合交易所有限公司證券上市規則》 （「《香港上市規則》」）有關中期業績之初步公佈的適用披露規定以及國際會計準 則理事會（「國際會計準則理事會」）頒佈的《國際財務報告準則》（「《國際財務報告 準則》」）而編製。董事會及董事會轄下的審計委員會亦已審閱及確認有關中期業 績。除另有指明外，本公告所載財務資料為集團合併口徑，且均以人民幣（「人民 幣」）呈列。 1. 公司資料 1.1 基本資料 | --- | --- | |-- ...

Financial Performance - Jinshang Bank reported a total revenue of RMB 1.2 billion for the fiscal year ending December 31, 2022, representing a year-on-year increase of 15%[2]. - The bank's net profit attributable to shareholders reached RMB 300 million, up 10% compared to the previous year[3]. - Net interest income for 2022 was RMB 3,593.0 million, a slight increase of 1.1% from RMB 3,554.0 million in 2021[8]. - The net profit for the year was RMB 1.84 billion, an increase of RMB 160 million compared to the previous year[18]. - The pre-tax profit rose by 9.7% to RMB 1,856.3 million in 2022, compared to RMB 1,691.8 million in 2021[21]. - The net profit attributable to equity holders was RMB 1,838.4 million, representing a 9.1% increase from RMB 1,685.6 million in 2021[8]. - The total operating income for the year ended December 31, 2022, was RMB 5,390.7 million, with the Taiyuan region contributing 84.1% of the total[99]. - The total operating income for the company was RMB 5,260.2 million, a slight decrease from RMB 5,390.7 million in 2021[114]. Asset and Liability Management - Total assets increased by 10.9% to RMB 336,419.5 million in 2022, up from RMB 303,291.5 million in 2021[10]. - Total liabilities rose by 11.4% to RMB 313,065.9 million in 2022, from RMB 281,133.9 million in 2021[10]. - The bank's capital adequacy ratio stands at 12%, above the regulatory requirement, ensuring financial stability[10]. - The capital adequacy ratio stood at 12.40% in 2022, up from 12.02% in 2021[12]. - The liquidity coverage ratio decreased to 208.87% in 2022, down from 322.30% in 2021[13]. - The net stable funding ratio was 128.32% in 2022, compared to 138.32% in 2021[15]. - The total amount of loans and advances issued reached RMB 186,051.9 million as of December 31, 2022, compared to RMB 155,740.5 million as of December 31, 2021[55]. Loan and Deposit Growth - User data indicated a growth in customer deposits, which increased by 20% to RMB 50 billion during the reporting period[4]. - Total deposits amounted to RMB 248.43 billion, reflecting a growth of 27.2%[18]. - Total loans reached RMB 186.05 billion, with a year-on-year increase of 19.5%[18]. - The total deposits absorbed by the group reached RMB 253,770.9 million as of December 31, 2022, a 27.4% increase from RMB 199,207.2 million in 2021[74]. - The total personal deposit amount reached RMB 120,002.2 million, an increase of 27.3% year-over-year[117]. Non-Performing Loans and Risk Management - The bank's non-performing loan ratio improved to 1.5%, down from 1.8% in the previous year, reflecting better asset quality management[7]. - The non-performing loan ratio improved to 1.80% in 2022, down from 1.84% in 2021[14]. - The total amount of non-performing corporate loans was RMB 2,759.5 million as of December 31, 2022, with an overall NPL ratio of 2.52%[85]. - The total non-performing loans (NPLs) amounted to RMB 3,353.9 million as of December 31, 2022, with a non-performing loan ratio of 1.80%, up from 1.84% as of December 31, 2021[89][90]. - The group aims to enhance credit risk management by leveraging advanced information technology systems and big data[104]. - The group has established a comprehensive credit risk management system to identify, measure, monitor, and control risks associated with its lending operations[104]. Strategic Initiatives and Market Expansion - The bank plans to expand its market presence by opening 10 new branches in key urban areas in 2023[5]. - The bank is exploring potential acquisition opportunities to enhance its service offerings and market share in the region[11]. - A strategic acquisition of a fintech startup is in progress, aimed at enhancing digital service offerings and customer engagement[160]. - The company plans to expand its market presence in Southeast Asia, targeting a 20% market share by 2025[159]. - The bank has initiated a strategic partnership with a fintech company to leverage advanced analytics for risk management[9]. Digital Transformation and Technology Investment - Jinshang Bank is investing RMB 100 million in the development of new digital banking technologies to enhance customer experience[6]. - The bank is focusing on digital transformation and has established a digital finance department to enhance online services and customer experience[19]. - The company is investing 50 million in technology upgrades to improve operational efficiency and customer experience[158]. Governance and Management Structure - The bank's board consists of 12 members, including 2 executive directors, 5 non-executive directors, and 5 independent non-executive directors[143]. - The supervisory board is composed of 9 members, including 3 employee supervisors, 3 shareholder supervisors, and 3 external supervisors[146]. - The company emphasizes the importance of corporate governance and compliance with the Company Law of China[172]. - The company has established a risk management committee and an audit committee to oversee financial operations and internal controls[168]. Employee and Compensation Management - The total number of employees reached 4,402, with 27.9% aged 30 or below and 88.3% holding a bachelor's degree or higher[191]. - The bank's performance bonus distribution is strictly linked to performance evaluation results, focusing on seven dimensions including risk management and compliance[194]. - The bank's employee compensation includes fixed salaries, variable pay, and allowances, with social insurance and other benefits provided according to Chinese laws[193]. - The company has a structured approach to compensation for its senior management, ensuring transparency and adherence to regulatory requirements[190]. Future Outlook and Guidance - Future guidance suggests a targeted revenue growth of 12% for the upcoming fiscal year, driven by increased lending activities[8]. - The company has set a future outlook with a revenue guidance of 1.5 billion for the next fiscal year, indicating a growth target of 25%[157].

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 賴該等內容而引致的任何損失承擔任何責任。 法定中文名稱 晉商銀行股份有限公司 中文簡稱 晉商銀行 法定英文名稱 Jinshang Bank Co., Ltd. 英文簡稱 Jinshang Bank 法定代表人 郝強(1) 授權代表人 郝強(2)、黃偉超 H股上市地點 香港聯合交易所有限公司（「香港聯交所」） 股份簡稱 晉商銀行 股份代號 2558 JINSHANG BANK CO., LTD.* 晉商銀行股份有限公司 * （於中華人民共和國註冊成立的股份有限公司） （股份代號：2558） 2022年全年業績公告 晉商銀行股份有限公司*（「本行」）董事（「董事」）會（「董事會」）欣然宣佈本行及其 附屬公司（合稱為「本集團」）截至2022年12月31日止年度（「報告期」）的經審計合 併全年業績。本業績公告的內容乃根據《香港聯合交易所有限公司證券上市規則》 （「香港上市規則」）有關全年業績之初步公佈的適用披露規定以及國際會計準則理 事會（「國際會計準 ...