财联社3月29日讯（记者 史思同）“预期2024年全行业净息差将延续下降趋势。”今日在2023年业绩发布 会上，民生银行副行长兼董事会秘书李彬直言，该行净息差下降主要由于资产端定价下滑、负债成本刚 性较强等多重因素所致，2024年公司净息差仍将持续承压。 同时，发布会上民生银行多位高管对其业绩和经营情况以及息差、提前还贷、房地产风险等热点话题也 一一作出回应。 对于提前还贷问题，该行副行长林云山指出，存量首套个人住房贷款利率调整如期进行，同时LPR下 调、存量按揭贷款重新定价等因素一定程度上带来了按揭贷款规模增长的压力和收益率下行的压力，预 计2024年按揭提前还款与重定价会影响到该行当年的收入在18亿元水平。 息差再收窄14BP，预期2024年将持续承压 年报显示，2023年民生银行资产规模持续扩张，年末资产总额为76749.65亿元，同比增幅5.78%。全年 实现营业收入1408.17亿元，同比下降1.16%；实现归属于母行股东的净利润358.23亿元，同比增长 1.57%。 具体来看，该行营收下滑主要是受利息净收入的拖累。数据显示，2023年该行实现利息净收入1024.31 亿元，同比减少50.32亿元 ...

本业绩发布内容来自2023年年度报告，为全面了解本公司的经营成果、财务状况及未来发展规划， 阁下应当到本公司官网投资者关系专栏或上海证券交易所等网站仔细阅读报告全文。本报告及相应的讨 论可能包含涉及风险和不确定因素的前瞻性说明。这些说明的表述通常会使用前瞻性的字眼，例如相信、 期望、预期、预计、计划、预测、目标、可能、将会，或者某些行动可能或预期会在将来产生结果等。 阁下不应过分依赖此等仅适用于本报告发表日的前瞻性说明。这些前瞻性说明的依据是本公司的信息以 及其他本公司认为来源可靠的资料。该等前瞻性声明与日后事件或本公司日后财务、业务或其他表现有 关，并受若干可能会导致实际结果出现重大差异的不明确因素的影响。 备注： 1. 除特别注明外，本报告中的财务指标采用集团口径数据，业务指标采用银行口径数据； 报告声明 2. 除特别注明外，本报告数据均为中国会计准则数据，货币币种均为人民币。 目 录 经营业绩 平稳向好 业务结构 不断优化 发展动能 持续增强 01 资产质量稳固向好 持续推进清收处置 经营业绩 平稳向好 02 数据概览 资产总额 7.67万亿元 5.78% 营业收入 1,408.17亿元 1.16% 归 ...

【民生银行李彬：预期2024年全行业净息差将延续下降趋势 公司净息差将持续承压】财联社3月29日 电，民生银行副行长兼董事会秘书李彬在业绩发布会上谈及净息差时坦言，预期2024年全行业净息差将 延续下降趋势，民生银行净息差也将持续承压。其中生息资产方面，考虑到LPR下行、存量首套住房按 揭利率下调等因素影响，资产收益率大概率仍呈现下降趋势；付息负债方面，成本相对具有刚性，存款 成本率下降速度会慢于贷款收益率。年报显示，截至2023年末，民生银行净息差1.46%，同比下降 14BP。（财联社记者 史思同） ...

【民生银行黄红日：2024年资产质量面临宏观经济不确定性及房地产实际恢复状况双重压力】财联社3 月29日电，民生银行党委委员黄红日在业绩发布会上坦言，2024年资产质量趋势存在两方面压力：一方 面，我国宏观经济形势回升向好，但仍然存在不确定性，这对部分小微客户、信用卡客户的还款能力造 成一定影响；另一方面，房地产领域相关政策发挥作用还需要一段时间，整体地产行业形势对公司资产 质量影响仍需持续关注。年报显示，截至2023年末，民生银行不良贷款率1.48%，较年初下降0.20个百 分点；房地产不良贷款率4.92%，提升0.64个百分点。（财联社记者 史思同） ...

Financial Performance - In 2023, the bank achieved a net profit attributable to shareholders of RMB 35.823 billion, an increase of 1.57%[11] - Operating income for 2023 was RMB 140,817 million, a decrease of 1.16% compared to RMB 142,476 million in 2022[40] - Net interest income decreased by 4.68% to RMB 102,431 million from RMB 107,463 million in the previous year[40] - Non-interest income increased by 9.63% to RMB 38,386 million, up from RMB 35,013 million in 2022[40] - The bank's basic earnings per share rose to RMB 0.72, a 1.41% increase from RMB 0.71 in 2022[40] - The group reported a net inflow of RMB 1,021,482 million from bond issuance in 2023, an increase of RMB 184,510 million from RMB 836,972 million in 2022[127] Asset and Liability Management - Total assets amounted to RMB 7.67 trillion, reflecting a growth of 5.78%[11] - The total liabilities were CNY 70,371.64 billion, up by CNY 3,943.05 billion or 5.94% from the previous year[49] - The total equity attributable to shareholders reached RMB 637.80 billion, up RMB 24.99 billion, or 4.08% year-on-year[86] - The liquidity coverage ratio stood at 146.06%, indicating strong liquidity management[45] - The total amount of loans and advances was CNY 4,384.877 billion, an increase of CNY 243.733 billion, representing a growth of 5.89% year-on-year[73] Risk Management - The bank emphasizes a prudent and compliant operational philosophy, enhancing its risk governance framework and management capabilities[12] - The non-performing loan (NPL) generation rate was 1.58%, a year-on-year decrease of 0.43 percentage points, marking three consecutive years of decline[13] - The non-performing loan ratio was 1.48%, down 0.20 percentage points from the end of the previous year[16] - The provision coverage ratio increased to 149.69%, up 7.20 percentage points from the previous year[16] - The bank is committed to risk management and has implemented a comprehensive risk control system to maintain asset quality and support business growth[18] Digital Transformation and Innovation - The bank aims to enhance its digital transformation and build a "smart bank" to improve customer experience and operational efficiency[16] - The bank's digital marketing capabilities were enhanced through the launch of a corporate WeChat service, facilitating precise marketing efforts[141] - The bank's digital transformation included the launch of the Minsheng Micro App 3.0, which added features like tax payment and cross-border remittance, reaching over 1.68 million users[164] - The bank's smart risk control system has been enhanced, improving risk identification, assessment, and management capabilities[182] - The bank launched the "Easy Innovation E-loan" product, which has been well-received in the market, serving over 18,000 specialized and innovative enterprises[11] Social Responsibility and Sustainability - The bank has donated over CNY 200 million to support poverty alleviation in Henan Province over 22 years[13] - The bank's ESG rating was upgraded from BBB to AA by MSCI, becoming the first domestic bank to achieve a two-level upgrade within a year[16] - The bank plans to increase green credit investments and innovate green financial service models as part of its commitment to sustainable development[16] - The bank's green credit balance grew at a rate of 47%[11] - The bank has actively participated in carbon finance innovation, providing CNY 1 billion in carbon emission rights pledge loans to a central enterprise subsidiary[145] Customer and Market Development - The number of small and micro loans increased by 15.8%, while the number of inclusive small micro loans rose by 27.4% compared to the previous year[11] - The bank's small and micro loan ratio is the highest among joint-stock banks, reflecting its commitment to supporting small businesses[23] - The bank aims to enhance financial inclusivity and optimize product services for various customer segments, including small and micro enterprises, while ensuring compliance with regulatory requirements[17] - The bank's retail banking profit totaled CNY 24.668 billion, a year-on-year increase of 7.11%[157] - The number of retail customers reached 128.7194 million, a year-on-year growth of 5.65%[158] Awards and Recognition - The bank has been recognized with multiple awards, including the "Best Small and Micro Financial Service Bank" and "Best Comprehensive Strength in Digital Finance" in 2023[27] - The bank's private banking centers received recognition, with 7 centers selected as "Top 100 Private Banking Centers" by a retail banking magazine[162]

智通财经APP讯，民生银行(01988)发布截至2023年12月31日止年度业绩，该集团期内取得营业收入 1373.91亿元(人民币，下同)，同比减少1.31%;利息净收入1024.31亿元，同比减少4.68%;归母净利润 358.23亿元，同比增加1.57%;基本每股收益0.72元;拟派发现金股利每10股2.16元。 公告称，报告期内，集团坚持战略导向，深化改革转型，强化统筹管理，深入推进资产负债结构调整。 资产端，聚焦重点业务领域，集中资源推动信贷投放，资产结构更趋稳健。截至报告期末，集团资产总 额76749.65亿元，比上年末增加4192.92亿元，增幅5.78%，其中，发放贷款和垫款总额43848.77亿元， 比上年末增加2437.33亿元，同比多增1482.81亿元，增幅5.89%，在资产总额中占比57.13%，比上年末 提升0.06个百分点。该行重点领域、重点区域贷款保持较快增长，增速均高于各项贷款平均增速。负债 端，优化负债发展机制，强化负债质量管理，负债基础不断夯实。截至报告期末，集团负债总额 70371.64亿元，比上年末增加3943.05亿元，增幅5.94%，其中，吸收存款总额42830. ...

Dividend and Annual Report - The proposed cash dividend is RMB 2.16 per 10 shares (including tax), subject to approval at the 2023 annual general meeting[1]. - The annual report was approved by the board on March 28, 2024, with 16 directors present, including 7 in person and 9 via video[2]. - The annual report will be published on both the Hong Kong Stock Exchange and the bank's official website[1]. Financial Performance - In 2023, Minsheng Bank achieved a net profit attributable to shareholders of 35.823 billion yuan, an increase of 1.57%[8]. - Operating revenue for 2023 was RMB 137,391 million, a decrease of 1.31% compared to RMB 139,219 million in 2022[26]. - Net interest income decreased by 4.68% to RMB 102,431 million from RMB 107,463 million in the previous year[26]. - Non-interest income increased by 10.09% to RMB 34,960 million, up from RMB 31,756 million in 2022[26]. - The average return on total assets was 0.48%, a decrease of 0.02 percentage points from 0.50% in 2022[26]. - The cost-to-income ratio increased to 37.00% from 36.44% in the previous year[26]. - The net interest margin decreased to 1.46% from 1.60% in 2022[26]. Asset and Equity Growth - As of the end of 2023, total equity attributable to shareholders reached 624.6 billion yuan, up 4.11%[8]. - Total assets amounted to 7.67 trillion yuan, reflecting a growth of 5.78%[8]. - Total loans and advances rose by 5.89% to RMB 4,384,877 million, with corporate loans increasing by 9.09% to RMB 2,617,355 million[27]. - The liquidity coverage ratio improved to 146.06%, up from 134.89% in the previous year, indicating strong liquidity management[29]. Risk Management - The bank has not identified any significant risks that adversely affect its future development strategy and operational goals[2]. - The bank aims to effectively manage various risks through proactive measures[2]. - The non-performing loan generation rate was 1.58%, a decrease of 0.43 percentage points year-on-year, marking three consecutive years of decline[10]. - The bank's non-performing loan ratio decreased to 1.48%, down by 0.20 percentage points from the previous year[14]. - The provision coverage ratio increased to 149.69%, up by 7.20 percentage points year-on-year[14]. Strategic Development - The annual report includes a section on future outlook, indicating plans for strategic development and risk management[4]. - The bank's strategic goal for 2021-2025 is to become a first-class commercial bank characterized by continuous innovation and stable operations, with a two-phase development plan[17]. - Minsheng Bank positions itself as a bank for private enterprises, emphasizing support for small and medium-sized enterprises (SMEs) and enhancing its service quality in this sector[18]. - The bank plans to leverage digital transformation to create an agile and open banking environment, enhancing customer experience through integrated services[18]. Digital Transformation and Technology - Commitment to digital transformation and building a "smart bank" with innovative products[14]. - The bank's digital transformation efforts are aimed at enhancing customer service and operational efficiency through innovative financial technology solutions[35]. - The bank launched new services such as "Xin Guan+" for fund sales supervision and "Cross-border+" for global custody, enhancing market influence[157]. - The bank's digital transformation strategy includes a three-year technology plan and a data strategy aimed at becoming a data-driven bank[162]. Community and Social Responsibility - Minsheng Bank has donated over 200 million yuan to support poverty alleviation efforts in Henan Province over the past 22 years[10]. - The bank's MSCI ESG rating improved by two levels to "AA," reflecting recognition of its sustainable development efforts[10]. - Focus on enhancing technology finance, green finance, and inclusive finance to support sustainable development[14]. Customer Engagement and Services - The number of pension accounts exceeded 1.7 million, indicating strong growth in retirement finance services[8]. - The bank's strategy includes a focus on emerging industries such as green energy and advanced manufacturing, aiming to create a new model of "industry - technology - finance"[19]. - The bank emphasizes a customer-centric approach, aiming to improve customer satisfaction through integrated and one-stop services[19]. Compliance and Regulatory Adherence - Emphasis on compliance and risk management to ensure stable operation and adherence to regulatory requirements[15]. - The bank has established a comprehensive legal risk management system to ensure compliance with laws and regulations[198]. - The company has improved its compliance management framework, enhancing internal control and compliance quality[199].

证券简称：民生银行 A 股代码：600016 优先股简称：民生优 1 优先股代码：360037 编号：2024-017 中国民生银行股份有限公司 第八届监事会第二十次会议决议公告 本行监事会及全体监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。 中国民生银行股份有限公司（以下简称"本行""公司"）第八届监事会第二 十次会议于 2024 年 3 月 28 日在北京以现场方式召开，会议通知、会议文件于 2024 年 3 月 18 日以电子邮件方式发出。会议由杨毓副主席召集并主持。会议应 到监事 6 名，全体监事参加会议，现场出席监事 4 名，电话/视频连线出席监事 2 名。监事会副主席杨毓、监事鲁钟男、李宇、龚志坚现场出席会议，监事赵富高、 张礼卿通过电话/视频连线出席会议。会议符合《中华人民共和国公司法》及《中 国民生银行股份有限公司章程》的规定，表决所形成的决议合法、有效。 会议审议通过了如下决议： 1. 关于《中国民生银行 2023 年年度报告（正文及摘要）》的决议 根据相关规定，会议对 2023 年年度报告（正文及摘要）提出如下审核意见： （ ...

中国民生银行股份有限公司 对会计师事务所履职情况评估报告 中国民生银行股份有限公司（以下简称"本行"）聘请普华永道中天会计师 事务所（特殊普通合伙）（以下简称"普华永道中天"）和罗兵咸永道会计师事 务所（以下简称"罗兵咸永道"）为本行 2023 年度财务报告审计公司，分别负 责按照中国审计准则和国际审计准则提供 2023 年度审计及相关服务。根据财政 部、国资委及证监会颁布的《国有企业、上市公司选聘会计师事务所管理办法》 及本行制度规定，本行对普华永道中天在审计中的履职情况进行了评估。经评估， 本行认为普华永道中天具备执业资质，履职能够保持独立性，勤勉尽责，公允表 达意见。具体情况如下： 始为本行提供审计服务；1997 年起开始在普华永道中天执业，近 3 年已签署或 复核 5 家上市公司审计报告。 签字注册会计师为张红蕾女士，中国注册会计师协会执业会员。2005 年起 成为中国注册会计师；2004 年起开始从事上市公司审计，2019 年起开始为本行 提供审计服务；2002 年起开始在普华永道中天执业，近 3 年已签署或复核 2 家 上市公司审计报告。 项目质量复核合伙人为叶少宽女士，香港会计师公会执业会员，中 ...

中国民生银行股份有限公司 2023 年度环境、社会及管治（ESG）报告 中国民生银行股份有限公司 2023 年度 环境、社会及管治（ESG）报告 1 | 一、关于本报告 | 3 二、关于民生银行 4 | | --- | --- | | 三、ESG | 管治 5 | | 环境篇 | 8 四、环境责任，绿色发展护生态 8 | | 社会篇 | 20 | | 五、以客为尊，用心服务创共赢 20 | | | 六、以人为本，人力资源促发展 41 | | | 七、金融公益，情系民生暖社会 54 | | | 治理篇 57 | | | 八、行稳致远，强化合规控风险 57 | | | 附：联交所 指引索引 65 ESG | | 中国民生银行股份有限公司 2023 年度环境、社会及管治（ESG）报告 一、关于本报告 报告简介 本报告旨在披露中国民生银行股份有限公司（以下简称"民生银行"或"本行"）在环境、 社会及管治（"ESG"）方面的管理及表现，以促进各利益相关方与本行进行充分的沟通。 本报告应与《中国民生银行股份有限公司 2023 年年度报告》"企业治理"章节、《中国民 生银行股份有限公司 2023 年度社会责任报告》《中国民 ...