证券代码：600015 证券简称：华夏银行 公告编号：2024-22 华夏银行股份有限公司 2023 年年度股东大会决议公告 本公司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： 本次会议是否有否决议案：无 一、 会议召开和出席情况 (三) 出席会议的普通股股东和恢复表决权的优先股股东及其持有股份情况： | 1、出席会议的股东和代理人人数 | 58 | | --- | --- | | 2、出席会议的股东所持有表决权的股份总数（股） | 11,762,321,705 | | 3、出席会议的股东所持有表决权股份数占公司有表决权股 | 73.9075 | | 份总数的比例（%） | | (四) 表决方式是否符合《公司法》及《公司章程》的规定，大会主持情况等。 本次股东大会采用现场记名投票和网络投票的方式进行表决。表决方式符合 《公司法》及《公司章程》的规定。公司董事会为本次股东大会召集人，李民吉 董事长主持召开会议。 (五) 公司董事、监事和董事会秘书的出席情况 表决情况： 1 (一) 股东大会召开的时间：2024 年 5 ...

北京天达共和律师事务所 关于华夏银行股份有限公司 2023 年年度股东大会的 法律意见书 谨致：华夏银行股份有限公司 根据《中华人民共和国公司法》（以下简称"《公司法》"）、《中华人民共和国 证券法》（以下简称"《证券法》"）、《上市公司股东大会规则》（以下简称"《股东 大会规则》"）、《上海证券交易所上市公司自律监管指引第 1 号——规范运作》（以 下简称"《规范运作指引》"）等相关法律法规、证券交易所规则以及《华夏银行 股份有限公司章程》（以下简称"《公司章程》"）的有关规定，北京天达共和律师 事务所（以下简称"本所"）接受华夏银行股份有限公司（以下简称"华夏银行"） 的聘请，指派本所执业律师（以下简称"本所律师"）出席华夏银行 2023 年年 度股东大会（以下简称"本次股东大会"）并进行见证和出具法律意见。 按照律师行业公认的业务标准、道德规范和勤勉尽责精神，本所律师对本次 股东大会的相关文件和事实进行了核查和验证，现谨出具如下意见： 一、 关于本次股东大会召集和召开 (一) 本次股东大会的召集 1、华夏银行董事会在上海证券交易所网站和符合中国证券监督管理委员会 （以下简称"中国证监会"）规定条件的媒体 ...

华夏银行股份有限公司董事津贴制度 （2024 年 5 月 20 日 2023 年年度股东大会审议通过） 一、为完善华夏银行股份有限公司（以下简称"本行"）的 公司治理制度，加强和规范本行董事津贴的管理，根据《中华人 民共和国公司法》《上市公司治理准则》《上市公司独立董事管理 办法》《银行保险机构公司治理准则》《华夏银行股份有限公司章 程》等有关法律和规定，制定本制度。 二、为客观反映本行董事所付出的劳动、所承担的风险与责 任，切实激励董事积极参与决策与管理，本行给董事发放一定数 量的津贴。 七、本行董事参加股东大会、董事会、专门委员会会议以及 本行其他相关工作期间的交通费、食宿费由本行实报实销。 1 八、本制度中所提及的津贴总额中，不包括董事履行职责、 聘请咨询机构进行调查研究的费用。 九、本制度经 2024 年 5 月 20 日召开的 2023 年年度股东大 会审议通过，自 2024 年 1 月 1 日起施行。2020 年第一次临时股 东大会审议通过生效实施的版本同时废止。 2 三、本行执行董事、非执行董事（不包含独立董事）不从本 行领取本制度规定的津贴。 四、本行董事津贴由劳务报酬、委员会职务津贴两部分组 ...

1 三、凡在本行领取工薪的监事不再领取本制度规定的津贴。 四、本行监事津贴由劳务报酬、委员会职务津贴部分组成， 按照监事实际任职时间计算。 五、本行监事津贴中的劳务报酬指监事参与监事会工作的基 本报酬，每人每年 28 万元（人民币、税前，下同）。 六、本行监事津贴中的委员会职务津贴指监事参与专门委员 会工作的职务津贴，每人每年 6 万元。在多个专门委员会任职的 不累积计算。 七、本行监事参加股东大会、董事会、监事会及其专门委员 会会议，以及检查和调研相关工作期间的交通费、食宿费由本行 华夏银行股份有限公司监事津贴制度 （2024 年 5 月 20 日 2023 年年度股东大会审议通过） 一、为完善华夏银行股份有限公司（以下简称"本行"）的 公司治理制度，加强和规范本行监事津贴的管理，根据《中华人 民共和国公司法》《上市公司治理准则》《银行保险机构公司治理 准则》《商业银行监事会工作指引》《股份制商业银行独立董事和 外部监事制度指引》《华夏银行股份有限公司章程》等有关法律 和规定，制定本制度。 二、为客观反映本行监事所付出的劳动、所承担的风险与责 任，切实激励监事积极参与决策与管理，本行给监事发放一定数 量的津 ...

华夏银行股份有限公司 2023 年年度股东大会会议文件 二〇二四年五月二十日 文件目录 华夏银行股份有限公司 2023 年年度股东大会会议议程........................-01- 华夏银行股份有限公司 2023 年年度股东大会会议须知........................-03- 审议事项： | 年度工作报告 1．华夏银行董事会 2023 | -06- | | --- | --- | | 2．华夏银行监事会 年度工作报告 2023 | -21- | | 3．华夏银行 2023 年度财务决算报告 | -31- | | 4．华夏银行 2023 年度利润分配预案 | -36- | | 年度财务预算报告 5．华夏银行 2024 | -39- | | 6．关于聘请 年度会计师事务所及其报酬的议案 -45- 2024 | | | 7．华夏银行 2023 年度关联交易管理制度执行情况及关联交易情况报告.. | | | | -51- | | 8．关于申请关联方日常关联交易额度的议案 | -64- | | 9．关于修订《华夏银行股份有限公司董事津贴制度》的议案 -104- | | | 10．关于修 ...

中信建投证券股份有限公司 关于华夏银行股份有限公司 2022 年非公开发行 A 股股票 持续督导保荐总结报告书 中信建投证券股份有限公司（以下简称"中信建投证券"或"保荐机构"） 作为华夏银行股份有限公司（以下简称"华夏银行"或"公司"）2022 年非公开 发行 A 股股票的保荐机构，截至 2023 年 12 月 31 日持续督导期限已经届满。根 据《证券发行上市保荐业务管理办法》（以下简称"《保荐管理办法》"）和《上 海证券交易所上市公司自律监管指引第 11 号—持续督导》等相关法律法规，中 信建投证券出具本持续督导保荐总结报告书。 | 保荐机构名称 | 中信建投证券股份有限公司 | | --- | --- | | 注册地址 | 北京市朝阳区安立路 66 号 4 号楼 | | 主要办公地址 | 北京市朝阳区景辉街 16 号院 1 号楼 11 层 | | 法定代表人 | 王常青 | | 项目保荐代表人 | 隋玉瑶、吕晓峰 | | 项目联系人 | 刘展 | | 联系电话 | 010-56052550 | | 更换保荐人或其他情况 | 无 | 1 三、发行人的基本情况 | 发行人名称 | 华夏银行股份有限公司 | ...

Investment Rating - The report maintains a "Buy" rating for Huaxia Bank with a target price of 7.52 CNY per share, compared to the current price of 6.72 CNY [4]. Core Views - Huaxia Bank's 2023 annual report and 2024 Q1 report show a revenue growth rate of -0.6% and -4.3% respectively, while the profit before provisions (PPOP) growth rates are -5.6% and -8.6%. However, the net profit attributable to shareholders increased by 5.3% and 0.6% year-on-year, indicating a gradual clearing of historical burdens [2][3]. - Key highlights include a significant decline in net interest income in Q1, but provisions and other non-interest income growth helped maintain positive performance. The net interest income decreased by 9.3% year-on-year in Q1, while other non-interest income grew by 33.5% [2]. - Asset quality continues to improve, with a non-performing loan (NPL) ratio of 1.66% as of March, down 1 basis point from December. The provision coverage ratio increased to 161% [2][3]. Summary by Sections Financial Performance - Revenue growth rates for 2023 and 2024 Q1 were -0.6% and -4.3%, respectively. PPOP growth rates were -5.6% and -8.6%. The net profit attributable to shareholders grew by 5.3% and 0.6% year-on-year [2][3]. - In Q1, net interest income saw a significant decline, while other non-interest income increased, contributing to overall positive performance despite revenue challenges [2]. Asset Quality - The NPL ratio improved to 1.66% as of March, with a provision coverage ratio of 161%. The new NPL generation rate decreased to 0.98%, down 21 basis points year-on-year [2][3]. - The bank's NPL balance decreased by 1.8 billion CNY in the second half of 2023, with notable improvements in the manufacturing sector [2]. Credit Growth - Credit growth in Q1 2024 was 999 million CNY, an increase of 198 million CNY year-on-year, surpassing the full-year growth of 1.6% in 2023 [2][3]. Profitability Forecast - The forecast for net profit growth is 1.3% for 2024 and 3.0% for 2025, with expected earnings per share (EPS) of 1.62 CNY and 1.67 CNY, respectively. The current price corresponds to a price-to-earnings (PE) ratio of 4.2X for 2023 and 4.0X for 2024 [3].

Financial Performance - Total revenue for Q1 2024 was 22,114 million RMB, a decrease of 4.34% compared to the same period last year[2] - Net profit attributable to shareholders was 5,890 million RMB, an increase of 0.61% year-on-year[2] - Basic earnings per share (EPS) was 0.37 RMB, up 19.35% from the previous year[2] - Total operating income for Q1 2024 was RMB 22,114 million, a decrease of 4.3% compared to RMB 23,117 million in Q1 2023[20] - Net profit for Q1 2024 reached RMB 6,006 million, an increase of 0.7% from RMB 5,967 million in Q1 2023[20] - The bank's total comprehensive income for Q1 2024 was RMB 7,594 million, up from RMB 6,202 million in Q1 2023, reflecting a growth of 22.4%[21] - Basic earnings per share for Q1 2024 were RMB 0.37, compared to RMB 0.31 in Q1 2023, representing an increase of 19.4%[21] Asset and Liability Management - Total assets as of March 31, 2024, reached 4,379,952 million RMB, an increase of 2.94% from the end of 2023[4] - The total liabilities amount to RMB 4,050,596 million, reflecting an increase from RMB 3,933,004 million at the end of 2023[19] - The total loan balance at the end of the reporting period is RMB 2,409,445 million, with a year-over-year increase of 4.32%[14] - Total loans increased to 24,094,450 million RMB, a growth of 4.32% from the end of 2023[7] - Total deposits reached 21,975,350 million RMB, an increase of 3.17% compared to the end of last year[7] Credit Quality - Non-performing loan ratio improved to 1.66%, down 0.01 percentage points from the end of last year[4] - The bank's focus on improving asset quality is evident, with a decrease in loss loans by 1.63% year-over-year[14] - Normal and special mention loans account for 95.60% and 2.74% of the total loan balance, respectively[14] - Credit impairment losses decreased to RMB 6,779 million in Q1 2024 from RMB 8,223 million in Q1 2023, a reduction of 17.6%[20] Capital Adequacy and Ratios - The core tier one capital adequacy ratio is 9.44% as of March 31, 2024[12] - The total capital adequacy ratio is 12.55% as of March 31, 2024[12] - The leverage ratio is 6.52% as of March 31, 2024[12] - The liquidity coverage ratio is 133.33% as of March 31, 2024, indicating strong liquidity position[13] - The ratio of loans to deposits is 92.06% as of March 31, 2024, compared to 90.24% at the end of 2023[15] Cash Flow and Operating Activities - Cash flow from operating activities was 26,709 million RMB, down 25.98% year-on-year[5] - The net cash flow from operating activities for Q1 2024 was RMB 26,709 million, a decrease from RMB 36,085 million in Q1 2023[22] Shareholder Information - The top three shareholders are Shougang Group Co., Ltd. (21.68%), State Grid Yingda International Holdings Group Co., Ltd. (19.33%), and China People's Property Insurance Co., Ltd. (16.11%)[8] - The total number of ordinary shareholders at the end of the reporting period is 90,340[8] Debt and Securities - The bank issued RMB 30 billion in financial bonds with a fixed interest rate of 2.43%, maturing in 2027[17] - The bank issued debt securities, raising RMB 32,000 million in Q1 2024, compared to RMB 30,000 million in the same period last year[23] Liquidity Management - The qualified high-quality liquid assets amount to RMB 523,363 million as of March 31, 2024[13] - The net cash outflow over the next 30 days is RMB 392,529 million[13] - The liquidity ratio for RMB is 66.16%, while the total liquidity ratio is 70.42%[16]

Financial Performance - Total assets reached CNY 4,254.77 billion, an increase of 9.09% compared to the previous year[8]. - Net profit attributable to shareholders was CNY 26.36 billion, up 5.30% year-on-year[8]. - Total operating income for 2023 was 93,207 million RMB, a decrease of 0.64% compared to 2022[22]. - Operating profit increased by 5.19% to 35,443 million RMB in 2023 from 33,695 million RMB in 2022[22]. - Net cash flow from operating activities surged by 220.58% to 253,177 million RMB in 2023, up from 78,975 million RMB in 2022[22]. - Basic earnings per share increased by 3.50% to 1.48 RMB in 2023, compared to 1.43 RMB in 2022[22]. - The cost-to-income ratio rose to 31.37% in 2023, an increase of 1.24 percentage points from 30.13% in 2022[22]. - The net profit attributable to shareholders for Q4 2023 was CNY 8.408 billion, showing a significant increase compared to previous quarters[26]. Asset Quality - Provision coverage ratio improved to 160.06%, an increase of 0.18 percentage points from the previous year[10]. - Non-performing loan ratio decreased by 0.08 percentage points compared to the end of the previous year[10]. - The non-performing loan ratio improved to 1.67%, a decrease of 0.08 percentage points from the previous year[24]. - The non-performing loan balance decreased to CNY 38.51 billion, down CNY 1.36 billion, or 3.42% year-over-year, with a non-performing loan ratio of 1.67%, a decrease of 0.08 percentage points[48]. - The loan provision rate decreased to 2.67%, down by 0.13 percentage points from the previous year, reflecting effective risk management[24]. Loan and Deposit Growth - Small and micro enterprise loan balance grew by 8.77% under the "two increases" criteria[9]. - Total loans amounted to 2,309,583 million RMB, a 1.61% increase from 2,272,973 million RMB in 2022[22]. - Total deposits grew by 3.20% to 2,129,945 million RMB in 2023, up from 2,063,874 million RMB in 2022[22]. - The balance of corporate deposits reached CNY 1,616.63 billion, growing by 1.85% year-on-year, with an interest rate of 2.06%[175]. - The balance of corporate loans (excluding discounts) was CNY 1,377.40 billion, an increase of 3.30% from the previous year, while green loans reached CNY 269.27 billion, showing a continuous increase in proportion[176]. Digital Transformation and Innovation - Digital finance business saw a 33.48% increase in cumulative trading volume of foreign and domestic currency transactions[12]. - Information technology investment rose by 4.79%, accounting for 4.34% of operating income[11]. - The company plans to enhance risk management and digital transformation to support high-quality development[13]. - The company launched the Huaxia Financial Cloud platform to enhance multi-bank account management and digital transformation for corporate treasury systems[165]. - New digital financing products, including "Shuyitong" series, were introduced to provide tailored financing services across various industry scenarios[168]. Awards and Recognition - The company received multiple awards in 2023, including "Best Trade Financing Bank" and "Outstanding Bond Investment Institution"[28][32]. - The company ranked 46th globally in Tier 1 capital and 60th in total assets according to the July 2023 Banker magazine's ranking of the world's top 1000 banks[36]. Customer Base and Market Expansion - Corporate customer base grew by 4.10% year-on-year, while investment banking business scale increased by 11.11%[39]. - The company had 653,500 corporate clients at the end of the reporting period, an increase of 4.10% compared to the end of the previous year, with over 30,000 new ecosystem clients developed during the period[172]. - The number of corporate online banking clients reached 446,700, a growth of 3.56% from the previous year, with monthly active users at 273,300[178]. Risk Management - The company is enhancing risk management and compliance systems, focusing on digital risk identification and special asset management system construction[45]. - The company is enhancing risk management strategies, focusing on high-quality youth customer segments and ecological scene operations[198]. Investment and Financial Products - The company’s investment income increased by 50.87% to ¥9,425 million, driven by gains from trading financial assets and derivatives[116]. - The company launched a public REITs project fund supervision product, enhancing asset liquidity and effective investment[177]. - The company introduced innovative credit products to meet the financing needs of specialized and technology-driven enterprises[165].

A 股代码：600015 A 股简称：华夏银行 编号：2024—16 华夏银行股份有限公司 关于召开 2023 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：2024 年 4 月 30 日(星期二)上午 11:00-12:00 本次说明会以网络互动形式召开，本行将针对 2023 年度的经营成果、财务指 标及现金分红的具体情况与投资者进行互动交流和沟通，在信息披露允许的范围内 就投资者普遍关注的问题进行回答。 二、 说明会召开的时间、地点和方式 1 （一）会议召开时间：2024 年 4 月 30 日（星期二）上午 11:00-12:00 （ 二 ） 会 议 召 开 地 点 ： 上 海 证 券 交 易 所 上 证 路 演 中 心 （ 网 址 ： https://roadshow.sseinfo.com/） 会 议 召 开 地 点 ： 上 海 证 券 交 易 所 上 证 路 演 中 心 （ 网 址 ： https://roadshow.sseinfo.com/） 会议召开方式：上证 ...