华夏银行股份有限公司（简称"本公司"）于 2023 年 4 月 25 日发布了《华 夏银行股份有限公司关于注册资本变更获中国银保监会批复的公告》，本公司已 收到《中国银保监会关于华夏银行变更注册资本的批复》（银保监复〔2023〕223 号 ）， 原 中 国 银 行 保 险 监 督 管 理 委 员 会 同 意 本 公 司 注 册 资 本 由 人 民 币 15,387,223,983 元增加至 15,914,928,468 元。 近日，本公司已于市场监督管理部门完成注册资本的变更登记手续，并已取 得北京市市场监督管理局换发的《营业执照》，注册资本由人民币 15,387,223,983 元增加至 15,914,928,468 元。相应修订后的《华夏银行股份有限公司章程》已于 市 场 监 督 管 理 部 门 完 成 备 案 ， 具 体 内 容 详 见 上 海 证 券 交 易 所 网 站 （www.sse.com.cn）。 特此公告。 华夏银行股份有限公司董事会 2023 年 11 月 23 日 A 股代码：600015 A 股简称：华夏银行 编号：2023—41 华夏银行股份有限公司 关于完成注册资本变更登记的公告 ...

华夏银行股份有限公司章程 （2022 年 12 月 12 日本行 2022 年第二次临时股东大会审议通过， 并根据原中国银行保险监督管理委员会银保监复〔2023〕223 号文 修订生效。） 第一条 为维护华夏银行股份有限公司（以下简称"公司"或"本行"）、股 东和债权人的合法权益，规范本行的组织和行为，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》）、《中 华人民共和国商业银行法》（以下简称《商业银行法》）、《中华人民共和国银行业 监督管理法》（以下简称《银行业监督管理法》）和其他有关规定，制订本章程。 第二条 本行是于 1992 年经国务院同意，中国人民银行银复1992321 号文 批准成立的全民所有制商业银行，依法具有法人资格。本行于 1996 年经中国人 民银行银复1996109 号文批准，依照《公司法》以发起设立方式增加注册资本， 改制为股份有限公司，并取得中国人民银行颁发的经营金融业务许可证，在国家 工商行政管理局注册登记，领取《企业法人营业执照》，依法变更为全国性的股 份制商业银行。 本行于 2003 年经中国证券监督管理委员会以证监发行字 20 ...

A 股代码：600015 A 股简称：华夏银行 编号：2023-40 经中国人民银行《准予行政许可决定书》（银许准予决字〔2023〕第 32 号） 批准，近日，华夏银行股份有限公司（简称"本公司"）在全国银行间债券市场 成功发行"华夏银行股份有限公司 2023 年金融债券（第四期）"（简称"本期债 券"），并在银行间市场清算所股份有限公司完成债券的登记、托管。 本期债券于 2023 年 10 月 26 日直接面向投资人以报价方式发行，并于 10 月 27 日发行完毕。本期债券发行规模为人民币 130 亿元，为 3 年期固定利率债 券，票面利率为 2.81%，募集资金将依据适用法律和监管部门的批准，用于满足 本公司资产负债配置需要，充实资金来源，优化负债期限结构，促进业务的稳健 发展。 特此公告。 华夏银行股份有限公司董事会 华夏银行股份有限公司 关于 2023 年金融债券（第四期）发行完毕的公告 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。 2023 年 10 月 31 日 1 ...

Financial Performance - In Q3 2023, the company's operating income was RMB 23,467 million, a decrease of 4.26% year-on-year[2] - The net profit attributable to shareholders was RMB 5,841 million, an increase of 5.32% compared to the same period last year[2] - The net profit attributable to shareholders after deducting non-recurring gains and losses was RMB 5,858 million, up 5.59% year-on-year[2] - The total profit for the first nine months of 2023 was RMB 24,356 million, an increase of 6.02% year-on-year[8] - Net profit for the first nine months of 2023 reached RMB 18,340 million, compared to RMB 17,437 million in 2022, indicating an increase of 4.63%[22] - The bank's operating profit for the first nine months of 2023 was RMB 24,355 million, up from RMB 22,944 million in the same period of 2022, showing a growth of 6.06%[22] - The bank's total comprehensive income for the first nine months of 2023 was RMB 18,717 million, compared to RMB 17,130 million in 2022, indicating an increase of 9.26%[26] Assets and Liabilities - As of September 30, 2023, total assets reached RMB 4,104,889 million, an increase of 5.25% from the end of 2022[4] - The total assets as of September 30, 2023, amount to RMB 4,104,889 million, an increase from RMB 3,900,167 million as of December 31, 2022[20] - The total liabilities are RMB 3,791,959 million, up from RMB 3,576,845 million as of December 31, 2022[21] - The total equity attributable to shareholders is RMB 309,817 million, a decrease from RMB 320,457 million as of December 31, 2022[21] Capital Adequacy - The company's core Tier 1 capital net amount is 272,024 million RMB as of September 30, 2023[11] - The total capital net amount is 366,838 million RMB as of December 31, 2022[11] - The core Tier 1 capital adequacy ratio is 8.87%[11] - The first-tier capital adequacy ratio is 10.18%[11] - The total capital adequacy ratio is 11.96%[11] - The net tier 1 capital as of September 30, 2023, is RMB 291,243 million, an increase from RMB 286,774 million as of June 30, 2023[13] Loan and Credit Quality - The non-performing loan ratio was 1.72%, a decrease of 0.03 percentage points from the end of the previous year[4] - The total loan amount as of September 30, 2023, was RMB 23,159,480 million, an increase of 1.89% from the end of 2022[8] - The total balance of normal loans is RMB 2,212,641 million, representing 95.54% of total loans, with a year-over-year increase of 1.97%[16] - The non-performing loan ratio is 0.51% for suspicious loans, which increased by 7.33% compared to the previous year[16] Cash Flow and Investments - The net cash flow from operating activities for the first nine months of 2023 was RMB 122,139 million, a significant increase of 313.55% year-on-year[5] - The cash inflow from financing activities totaled RMB 85,000 million, consistent with the previous year's figure of RMB 60,000 million[29] - The net cash inflow from operating activities was RMB 122,139 million for the first nine months of 2023, a significant increase from RMB 29,534 million in the same period of 2022[27] - The total cash inflow from investment activities reached RMB 1,504,154 million, compared to RMB 695,553 million in the previous year, indicating a growth of 116.4%[27] - The net cash outflow from investment activities was RMB 153,369 million for the first nine months of 2023, compared to RMB 55,065 million in the same period of 2022, representing an increase of 178.5%[27] Shareholder Information - The total number of common stock shareholders at the end of the reporting period is 98,566[9] - The largest shareholder, Shougang Group Co., Ltd., holds 21.68% of shares, totaling 3,449,730,597 shares[9] - The number of shares held by the top ten unrestricted shareholders totals 2,599,929,412 shares[10] - The company issued 2,564,537,330 A-shares in 2018, with a lock-up period of five years[10] Operational Efficiency - The cost-to-income ratio for the first nine months of 2023 was 29.40%, a slight decrease of 0.04 percentage points year-on-year[5] - Net interest income for the first nine months of 2023 was RMB 51,231 million, down from RMB 56,394 million in 2022, reflecting a decrease of 9.66%[22] - The bank's credit impairment losses for the first nine months of 2023 were RMB 23,899 million, a decrease from RMB 27,585 million in 2022, representing a reduction of 13.00%[22] - The bank's net fee and commission income for the first nine months of 2023 was RMB 5,353 million, down from RMB 8,484 million in 2022, a decline of 37.56%[22] Liquidity Position - The liquidity coverage ratio is reported at 118.91% as of September 30, 2023, indicating a strong liquidity position[15] - The bank's cash and deposits with the central bank amount to RMB 176,351 million as of September 30, 2023, showing stability in cash reserves[20] - The cash and cash equivalents at the end of the period stood at RMB 75,551 million, down from RMB 87,707 million at the beginning of the period, reflecting a decrease of 13.5%[29]

Financial Performance - Total operating income for the first half of 2023 was CNY 47,642 million, a decrease of 1.67% compared to CNY 48,452 million in the same period of 2022[8]. - Net profit attributable to shareholders for the first half of 2023 reached CNY 12,114 million, reflecting a growth of 5.07% from CNY 11,530 million in the previous year[8]. - The bank's basic earnings per share for the first half of 2023 was CNY 0.58, a 3.57% increase from CNY 0.56 in the same period of 2022[8]. - The net profit for the period was 123.65 million yuan, an increase of 5.98 million yuan or 5.08% year-on-year[17]. - The company reported a net profit for the first half of 2023 of RMB 12,114 million, compared to RMB 11,530 million in the same period of 2022, reflecting an increase of approximately 5.06%[192]. Asset and Liability Management - The total assets of the bank as of June 30, 2023, amounted to CNY 4,098,550 million, an increase of 5.09% from CNY 3,900,167 million at the end of 2022[8]. - The bank's total liabilities reached CNY 3,790,933 million, an increase of 5.99% from CNY 3,576,845 million at the end of 2022[8]. - The bank's total assets rank 60th globally according to the Banker magazine's 2023 ranking of the top 1000 banks[12]. - The company's total assets exceeded 4 trillion yuan, reaching 40,985.50 million yuan, an increase of 1,983.83 million yuan or 5.09% compared to the end of the previous year[15]. - The total liabilities as of June 30, 2023, amounted to RMB 3,790,933 million, an increase of 5.9% from RMB 3,576,845 million at the end of 2022[186]. Loan and Deposit Growth - The total loans as of June 30, 2023, were CNY 2,342,604 million, representing a growth of 3.06% from CNY 2,272,973 million at the end of 2022[8]. - The total deposit amount reached 21,343.88 million yuan, increasing by 705.14 million yuan, which is a growth of 3.42%[15]. - Customer deposits increased to RMB 2,168,881 million as of June 30, 2023, up 3.3% from RMB 2,094,669 million at the end of 2022[186]. - The personal deposit balance was CNY 512.67 billion, growing by 8.06% compared to the end of the previous year[99]. Non-Performing Loans and Risk Management - The non-performing loan ratio improved to 1.72% from 1.75% in the previous year, indicating a decrease of 0.03 percentage points[8]. - The balance of non-performing loans was 40.28 billion CNY, with a non-performing loan ratio of 1.72%, a decrease of 0.03 percentage points from the end of the previous year[58]. - The company maintained a non-performing loan rate of 1.36% for small and micro enterprise loans, which is within a reasonable range[130]. - The company has implemented a risk management framework to enhance its reputation risk management capabilities[124]. Income and Expense Analysis - Non-interest net income increased by 23.28% year-on-year, while investment banking business scale grew by 11.70%[13]. - The total operating and management expenses for the first half of 2023 were 13,287 million RMB, down 1.83% from 13,534 million RMB in the same period of 2022[40]. - The cost-to-income ratio improved to 27.89%, a decrease of 0.04 percentage points year-on-year[15]. - The bank's investment income for the first half of 2023 was RMB 3,656 million, significantly higher than RMB 2,767 million in the same period of 2022, marking a growth of 32.1%[187]. Digital Transformation and Innovation - The bank's digital transformation strategy is focused on enhancing operational efficiency and customer experience through technology and data-driven approaches[12]. - The company is accelerating its digital transformation and enhancing its risk management capabilities, including the upgrade of its big data risk identification and warning system[16]. - The company has implemented a digital customer management platform to improve service quality and efficiency[91]. - The company has launched a series of innovative financial products, including digital credit products tailored for various industries, enhancing service efficiency[91]. Regulatory Compliance and Governance - The company has not experienced any payment difficulties or defaults during the reporting period, maintaining compliance with liquidity regulatory indicators[115]. - The bank's financial statements reflect a true and complete picture of its financial status as of June 30, 2023, in compliance with relevant regulations[197]. - The company has not reported any significant changes in shareholder structure during the reporting period[170]. - The company has not engaged in any major asset or equity sales during the reporting period[92]. Customer Engagement and Service Quality - The number of personal mobile banking customers reached 25.98 million, with an average monthly active user count of 4.26 million, representing a year-on-year growth of 3.96%[12]. - The total number of credit cards issued was 37.3907 million, an increase of 6.39% year-on-year, with a credit card loan balance of CNY 184.944 billion, up 1.80%[102]. - The company achieved a complaint resolution rate of 99.94% within 15 days, with a total of 1,127.08 complaints per million personal customers[148]. - The company has signed strategic cooperation agreements with 8 government institutions and enterprises, expanding its business collaboration[93].

Financial Performance - The total asset scale reached CNY 3.900167 trillion, an increase of 6.09% compared to the previous year[6]. - The net profit attributable to shareholders was CNY 25.035 billion, reflecting a growth of 6.37% year-on-year[6]. - The company's operating income for 2022 was RMB 93,808 million, a decrease of 2.15% compared to RMB 95,870 million in 2021[14]. - Net profit attributable to shareholders for 2022 reached RMB 25,035 million, reflecting a growth of 6.37% from RMB 23,535 million in 2021[14]. - The net cash flow from operating activities increased by 11.21% to RMB 78,975 million in 2022, up from RMB 71,015 million in 2021[14]. - The company's total operating revenue for the reporting period was 938.08 billion CNY, with net interest income accounting for 79.20% of the total[38]. - The company reported a total operating profit of 33.695 billion CNY, reflecting a 6.84% increase[39]. - The company achieved a net interest margin of 2.07% for the reporting period[42]. - The company reported a total financial assets amounting to 725,056 million, with a fair value change of 1,207 million during the year[116]. Asset Quality and Risk Management - The non-performing loan ratio improved to 1.75%, a decrease of 0.02 percentage points from the end of the previous year[6]. - The provision coverage ratio increased to 159.88%, up by 8.89 percentage points from the previous year[6]. - The bank's focus on risk management led to a decline in the overdue loan ratio to 1.87%, down by 0.01 percentage points from the previous year[7]. - The company achieved a significant improvement in asset quality, with a notable reduction in credit and other asset impairment losses by 13.02%[36]. - The overdue loan balance was 42.436 billion yuan, accounting for 1.87% of the total loans, with loans overdue for more than 90 days making up 1.39%[93]. - The company has strengthened its compliance risk management, implementing a joint review mechanism for compliance risks[164]. - The company has actively enhanced operational risk management, improving the effectiveness of risk identification, monitoring, and reporting processes[162]. Loan and Deposit Growth - The balance of green loans was CNY 247.035 billion, growing by 18.49% compared to the previous year[7]. - The balance of small and micro enterprise loans reached CNY 160.904 billion, an increase of 16.56% year-on-year[7]. - The personal consumption loan balance was CNY 86.595 billion, reflecting a growth of 28.74% from the previous year[7]. - Total loans amounted to CNY 2,272.97 billion, up CNY 59.44 billion, or 2.69% from the previous year[34]. - Total deposits increased to CNY 2,063.87 billion, rising by CNY 159.51 billion, or 8.38% year-on-year[34]. - The company's small and micro enterprise loan balance reached CNY 565.47 billion, an increase of CNY 74.72 billion or 15.23% year-on-year[172]. - The number of small and micro enterprise loan customers increased to 789,120, up by 145,572 customers or 22.62% year-on-year[172]. Digital Transformation and Technology Investment - In 2022, Huaxia Bank's technology investment increased by 16.39%, with new digital financing business investments amounting to CNY 52.178 billion[8]. - The company is focused on digital transformation, aiming to build a first-class smart ecological bank[25]. - The company has implemented a new digital financial product line, including digital procurement loans and digital freight loans, enhancing its service capabilities in the industrial ecosystem[119]. - The company has launched a customer information management system to improve the efficiency of customer management and marketing[150]. - The company has established a digital innovation factory with 38 projects incubated, enhancing overall innovation efficiency[152]. Strategic Initiatives and Future Outlook - In 2023, Huaxia Bank aims to enhance digital transformation, wealth management banking, and comprehensive operations as key development areas[9]. - The company plans to optimize profit growth structure and strengthen asset-liability management to improve capital utilization efficiency[9]. - The company aims to maintain a reasonable net interest margin while adjusting its asset-liability structure[171]. - The company will focus on non-interest income growth by identifying new growth points through product and service innovation[180]. - The company recognizes the ongoing economic recovery challenges and will adapt its strategies to navigate uncertainties in the external environment[176]. Corporate Governance and Management - The company has completed a self-inspection and rectification of corporate governance as required by the CSRC, with independent directors continuing to fulfill their duties until new elections are approved[184]. - The company has a stable shareholder structure, with major shareholders supporting equity financing and minority shareholders participating in decision-making[184]. - The company has a diverse board composition, including 5 female directors[186]. - The company has successfully elected new independent directors, ensuring compliance with regulatory requirements and maintaining governance standards[184]. - The company has a well-structured compliance management framework, with the board of directors ultimately responsible for compliance in business operations[163].

Financial Performance - Total revenue for Q1 2023 was RMB 23,117 million, a decrease of 3.68% compared to the same period last year[2] - Net profit attributable to shareholders was RMB 5,854 million, an increase of 4.05% year-on-year[2] - Basic earnings per share for Q1 2023 was RMB 0.31, an increase of 3.33% year-on-year[2] - Net interest income for the first quarter of 2023 was RMB 17,606 million, a decrease of 6.3% compared to RMB 18,796 million in the same period of 2022[21] - The bank's net profit for Q1 2023 reached RMB 5,967 million, representing a 4.2% increase from RMB 5,727 million in Q1 2022[21] - The total operating income for the first quarter of 2023 was RMB 23,117 million, a decrease of 3.7% from RMB 24,000 million in Q1 2022[21] - The bank's other comprehensive income after tax for Q1 2023 was RMB 235 million, compared to a loss of RMB 545 million in the same period last year[22] - The bank's investment income for Q1 2023 was RMB 1,698 million, an increase from RMB 1,552 million in Q1 2022[21] Asset and Liability Management - Total assets reached RMB 4,029,117 million, up 3.31% from the end of the previous year[5] - The total liabilities of Huaxia Bank as of March 31, 2023, amounted to RMB 3,720,529 million, an increase of 4.0% from RMB 3,576,845 million on December 31, 2022[20] - The bank's total loans amounted to RMB 23,529,880 million, an increase of 3.52% from the end of the previous year[7] - The bank's risk-weighted assets are RMB 2,993,715 million as of March 31, 2023, up from RMB 2,851,236 million at the end of 2022[11] - The total cash and cash equivalents at the end of Q1 2023 were RMB 57,950 million, down from RMB 103,782 million at the end of Q1 2022[25] Capital and Liquidity - The net core tier 1 capital as of March 31, 2023, is RMB 267,584 million, showing an increase from RMB 262,499 million at the end of 2022[11] - The total capital net amount is RMB 363,728 million as of March 31, 2023, compared to RMB 377,107 million at the end of 2022[11] - The liquidity coverage ratio is 121.43% as of March 31, 2023, indicating a strong liquidity position[14] - The bank's qualified liquid assets total RMB 451,323 million as of March 31, 2023[14] Shareholder Information - The total number of common shareholders at the end of the reporting period is 108,836[8] - The largest shareholder, Shougang Group Co., Ltd., holds 21.68% of shares, totaling 3,449,730,597 shares[8] - The second largest shareholder, State Grid Yingda International Holdings Group Co., Ltd., holds 19.33% of shares, totaling 3,075,906,074 shares[8] - The third largest shareholder, China People's Property Insurance Co., Ltd., holds 16.11% of shares, totaling 2,563,255,062 shares[8] - The shares held by the top ten shareholders account for a significant portion of the company's equity, with the top three alone holding over 57%[9] - The company has issued a total of 2,564,537,330 A-shares in a private placement, with a lock-up period of five years for the shareholders[9] - The expected listing date for the shares from the 2018 private placement is January 8, 2024[9] - The company has a total of 2,599,929,412 unrestricted shares held by its largest shareholders[9] - The company has not disclosed any known relationships or concerted actions among the top shareholders[9] Cash Flow Analysis - Cash flow from operating activities was RMB 36,085 million, a decrease of 7.94% compared to the same period last year[5] - The net increase in customer deposits and interbank and other financial institution deposits was RMB 150,101 million for Q1 2023, compared to RMB 103,039 million in Q1 2022, representing a 45.6% increase[23] - The cash flow from financing activities generated a net cash inflow of RMB 6,981 million in Q1 2023, compared to RMB 15,019 million in Q1 2022[25] - The cash outflow for investment activities was RMB 397,108 million in Q1 2023, compared to RMB 263,873 million in Q1 2022, reflecting a significant increase of 50.4%[23] - The cash paid for taxes in Q1 2023 was RMB 4,804 million, an increase from RMB 4,065 million in Q1 2022, representing an 18.2% rise[23]

证券代码：600015 证券简称：华夏银行 证券代码：360020 证券简称：华夏优 1 华夏银行股份有限公司 2022 年第三季度报告 重要内容提示： 公司董事会、监事会及董事、监事、高级管理人员保证季度报告内容的真实、 准确、完整，不存在虚假记载、误导性陈述或者重大遗漏，并承担个别和连 带的法律责任。 本公司第八届董事会第二十七次会议于 2022 年 10 月 28 日以书面传签方式 审议通过了《华夏银行股份有限公司 2022 年第三季度报告》。会议应发出 书面传签表决票 17 份，实际发出书面传签表决票 17 份，在规定时间内收回 有效表决票 17 份。 本公司第三季度财务报告未经审计。 本公司董事长李民吉、财务负责人关文杰，保证第三季度报告中财务报表的 真实、准确、完整。 1 公司基本情况 1.1 主要会计数据和财务指标 （单位：百万元 币种：人民币 未经审计） | --- | --- | --- | --- | --- | |--------------------------------------------------|--------------------|---------------- ...

华夏银行股份有限公司 HUA XIA BANK CO., Limited 二〇二二年半年度报告 二〇二二年八月二十六日 重要提示 一、本公司董事会、监事会及董事、监事、高级管理人员保证半年度报告内容的 真实、准确、完整，不存在虚假记载、误导性陈述或重大遗漏，并承担个别和连带的 法律责任。 二、本公司第八届董事会第二十六次会议于 2022 年 8 月 26 日审议通过了《华夏 银行股份有限公司 2022 年半年度报告》及摘要。会议应到董事 16 人，实到董事 14 人。 关文杰董事、才智伟董事因公务缺席会议，关文杰董事委托王一平董事行使表决权， 才智伟董事委托曾北川董事行使表决权，有效表决票 16 票。部分监事、高级管理人员 列席会议。 三、本公司无半年度利润分配或资本公积转增股本计划。 四、本公司半年度财务报告未经审计。 五、本公司董事长李民吉、财务及会计机构负责人关文杰，保证半年度报告中财 务报告的真实、准确、完整。 六、本报告包含未来计划等前瞻性陈述，这些前瞻性陈述不构成本公司对投资者 的实质承诺，请投资者注意投资风险。 日 录 | --- | --- | |----------------------- ...

证券代码：600015 证券简称：华夏银行 证券代码：360020 证券简称：华夏优 1 华夏银行股份有限公司 2022 年第一季度报告 重要内容提示： 公司董事会、监事会及董事、监事、高级管理人员保证季度报告内容的真实、 准确、完整，不存在虚假记载、误导性陈述或者重大遗漏，并承担个别和连 带的法律责任。 本公司第八届董事会第二十二次会议于 2022 年 4 月 28 日审议通过了《华夏 银行股份有限公司 2022 年第一季度报告》及摘要。会议应到董事 15 人，实 到董事 15 人，有效表决票 15 票。9 名监事列席了本次会议。 本公司第一季度财务报告未经审计。 本公司董事长李民吉、财务负责人关文杰，保证第一季度报告中财务报表的 真实、准确、完整。 1 公司基本情况 1.1 主要会计数据和财务指标 （单位：百万元 币种：人民币 未经审计） 项目 年初至报告期期末 比上年同期增减（％） | --- | --- | --- | |--------------------------------------------------|-------|------------------------| | | | ...