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 ...