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 ...

A 股代码：600015 A 股简称：华夏银行 编号：2024—14 二、审议并通过《关于修订〈华夏银行市场风险管理政策〉的议案》。 表决结果：赞成 16 票，反对 0 票，弃权 0 票。 三、审议并通过《关于修订〈华夏银行信用风险内部评级体系管理办法〉的 议案》。 表决结果：赞成 16 票，反对 0 票，弃权 0 票。 华夏银行股份有限公司 第八届董事会第四十二次会议决议公告 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。 华夏银行股份有限公司（以下简称"华夏银行"或"本行"）第八届董事会 第四十二次会议以书面传签方式召开，会议通知和材料于 2024 年 4 月 9 日以电 子邮件方式发出，表决截止日期为 2024 年 4 月 19 日。会议应发出书面传签表决 票 16 份，实际发出书面传签表决票 16 份，在规定时间内收回有效表决票 16 份。 会议的召开符合《中华人民共和国公司法》等法律、行政法规、部门规章、规范 性文件及《华夏银行股份有限公司章程》的有关规定，会议合法有效。经与会董 事审议，做出如下决议： 一、审议并通过 ...

226.6643 亿元事项、核定华夏理财有限责任公司 2024 年度日常 关联交易总额度人民币 814.6003 亿元事项，均符合国家金融监 督管理总局、中国证券监督管理委员会和上海证券交易所等部门 的监管要求，符合《华夏银行股份有限公司章程》《华夏银行股 份有限公司关联交易管理办法》及其他内部制度的相关规定；议 案中关联交易均是本公司日常业务中所发生的一般交易，遵循一 般商业公允原则，不存在损害本公司及中小股东利益的情况，对 本公司正常财务状况和经营成果无重大不利影响，不影响本公司 独立性。我们同意本次核定关联方日常关联交易额度事项，并同 意将该议案提交股东大会审议。 - 2 - 华夏银行股份有限公司独立董事 关于关联方日常关联交易额度的独立意见 根据《银行保险机构公司治理准则》《上海证券交易所上市 公司自律监管指引第 1 号——规范运作》及《华夏银行股份有限 公司章程》等有关规定，我们作为华夏银行股份有限公司（以下 简称"公司"或"本公司"）的独立董事，本着诚信、独立、勤 勉的原则，审阅了公司提供的第八届董事会第四十二次会议《关 于申请关联方日常关联交易额度的议案》及相关文件，对相关事 宜发表如下独立意见 ...