本行董事会及董事会全体成员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"）第九届董事会第四次会议以 书面传签方式召开，表决截止日期为 2024 年 9 月 20 日。会议通知、会议文件于 2024 年 9 月 6 日以电子邮件方式发出，共收回有效表决票 12 份，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，表决所形成决 议合法、有效。 会议审议通过了如下决议： 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：2024-063 中国民生银行股份有限公司 第九届董事会第四次会议决议公告 《关于修订<中国民生银行股份有限公司股东大会议事规则>的议案》将提交股 东大会审议。 议案表决情况：同意 12 票，反对 0 票，弃权 0 票。 1 3. 关于修订《中国民生银行股份有限公司董事会议事规则》的决议 《关于修订<中国民生银行股份有限公司董事会议事规则>的议案》将提交股 东大会审议。 议案表决情况：同意 12 票，反对 0 票，弃 ...

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：2024-064 中国民生银行股份有限公司 第九届监事会第四次会议决议公告 中国民生银行股份有限公司第九届监事会第四次会议以书面传签方式召开， 表决截止日期为 2024 年 9 月 20 日。会议通知、会议文件于 2024 年 9 月 10 日以 电子邮件方式发出。向监事发出表决票 6 份，收回 6 份。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. 关于修订《中国民生银行股份有限公司章程》的决议 《关于修订<中国民生银行股份有限公司章程>的议案》将提交股东大会审 议。 特此公告 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。 议案表决情况：同意 6 票，反对 0 票，弃权 0 票 2. 关于修订《中国民生银行股份有限公司监事会议事规则》的决议 《关于修订<中国民生银行股份有限公司监事会议事规则>的议案》将提交 股东大会审议。 议案表决情 ...

Investment Rating - The report upgrades the investment rating to "Buy" with a target price of 4.11 CNY, representing a potential upside of 23% from the current price of 3.32 CNY [6][3]. Core Insights - The report indicates that the company has shown signs of improvement in profitability, with a marginal reduction in revenue decline and stabilization of net interest margin [8][11]. - The asset quality is stabilizing, with a non-performing loan (NPL) ratio of 1.47% and an increase in the loan provision coverage ratio to 149.3% [20][22]. - The company is adjusting its asset structure to favor lending to the real economy, with a total earning assets amounting to 74,527 billion CNY, a slight decrease of 1.3% from the previous quarter [16][17]. Financial Performance Summary - Revenue for the first half of 2024 was 671 billion CNY, down 6.17% year-on-year, showing improvement from a 6.8% decline in the first quarter [8][11]. - Net profit attributable to shareholders was 225 billion CNY, a decrease of 5.48% year-on-year, also showing slight improvement from the previous quarter [8][11]. - The net interest margin for the first half of 2024 was stable at 1.38%, indicating a potential for gradual stabilization [11][12]. Asset Quality and Risk Management - The NPL balance stood at 649 billion CNY, with a net generation rate of 2.03% for the quarter, showing improvement compared to previous periods [20][21]. - The loan provision rate increased to 2.19%, maintaining a safety margin, while the NPL coverage ratio slightly decreased [20][21]. Shareholder Changes - The largest shareholder, Hong Kong Central Clearing Limited, increased its stake by 0.01 percentage points to 18.93% [22].

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：2024-062 中国民生银行股份有限公司董事会 2024 年 9 月 13 日 1 根据香港联合交易所有限公司证券上市规则第 37 章定义，专业投资者指(a)如属香港人士， 按《证券及期货条例》附表 1 第 1 部所界定的专业投资者（包括按该条例第 397 条所制定的 规则所指的人士）；或(b)如属非香港人士，根据有关司法权区对公开发售的相关豁免可向 其出售证券的人士。 中国民生银行股份有限公司 关于香港分行在 50 亿美元中期票据计划下 发行债券并上市的公告 本行董事会及全体董事保证本公告内容不存在虚假记载、误导性陈述或者重 大遗漏，并对其内容的真实、准确和完整承担个别及连带责任。 中国民生银行股份有限公司（以下简称"本行"）香港分行根据 50 亿美元 中期票据计划（简称"计划"）已向香港联合交易所有限公司申请于 2027 年到 期的 3 亿美元浮动利率票据（以下简称"票据"），该票据将以仅向专业投资者1 发行债券的方式上市及买卖。详情请参考本行刊载于香港联合交易所有限公司网 站（www.hkex.com ...

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：2024-061 中国民生银行股份有限公司 关于诉讼事项进展的公告 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： 涉案的金额：武汉中央商务区股份有限公司向本行借款本金人民币 30.46 亿元及相应的利息、逾期罚息、复利等。 案件所处的诉讼阶段：二审判决 上市公司所处的当事人地位：中国民生银行股份有限公司北京分行为被 上诉人（一审原告） 二、诉讼进展 武汉中央公司对北京金融法院（2023）京74民初125号《民事判决书》中部 分内容不服，向北京市高级人民法院提起上诉。上诉请求如下： （一）请求依法改判（2023）京 74 民初 125 号《民事判决书》第一项截至 2023 年 2 月 8 日的复利，驳回民生银行北京分行要求武汉中央公司支付自 2023 年 2 月 9 日起的复利的诉讼请求； （二）本案一审案件受理费重新分配负担，二审案件受理费由民生银行北京 分行承担。 是否会对上市公司产生影响：本次公告涉及的诉讼 ...

Financial Performance - Operating income for the first half of 2024 was RMB 65,589 million, a decrease of 6.12% compared to RMB 69,868 million in the same period of 2023[8]. - Net interest income decreased by 5.36% to RMB 48,582 million from RMB 51,334 million year-on-year[8]. - Net profit attributable to shareholders was RMB 22,474 million, down 5.48% from RMB 23,777 million in the previous year[8]. - Total assets as of June 30, 2024, were RMB 7,551,013 million, a decrease of 1.62% from RMB 7,674,965 million at the end of 2023[9]. - Total loans and advances increased by 0.87% to RMB 4,423,227 million compared to RMB 4,384,877 million at the end of 2023[9]. - Total deposits decreased by 5.10% to RMB 4,064,732 million from RMB 4,283,003 million at the end of 2023[9]. - The bank's basic earnings per share for the first half of 2024 was RMB 0.43, down 6.52% from RMB 0.46 in the same period of 2023[8]. - The bank's cash flow from operating activities was negative at RMB -283,843 million, compared to RMB 108,631 million in the previous year[8]. Risk Management - The bank has not identified any significant risks that could adversely affect its future development strategy and operational goals[2]. - The bank's management has taken proactive measures to effectively manage various risks[2]. - The non-performing loan ratio improved slightly to 1.47% from 1.48% at the end of 2023[9]. - The provision coverage ratio stood at 149.26%, a slight decrease of 0.43 percentage points from the previous year[15]. - The liquidity coverage ratio was 140.61%, above the regulatory requirement of 100%[11]. - The leverage ratio was 6.92%, remaining compliant with the regulatory standard of ≥4.125[11]. Shareholder Information - China Minsheng Bank reported an interim profit distribution plan to pay a cash dividend of RMB 1.30 per 10 shares (including tax) to all shareholders[2]. - The total number of ordinary shareholders is 341,030, with 323,419 A-share holders and 17,611 H-share holders[157]. - The top ten shareholders hold a total of 18.93% and 10.30% of shares respectively, with the largest shareholder being Hong Kong Central Clearing Limited, holding 8,285,912,862 shares[158]. - The company has not issued new ordinary shares during the reporting period, maintaining a total of 43,782,418,502 shares[156]. Corporate Governance - The board of directors convened 11 meetings, discussing 76 proposals and reviewing 58 special reports[186]. - The supervisory board held 10 meetings, reviewing 30 proposals and 60 reports[187]. - The company strictly adhered to legal regulations and improved its corporate governance mechanisms during the reporting period[184]. - The company has appointed Cheng Fengchao and Liu Hanxing as independent directors during the 2023 annual general meeting, with their qualifications approved in February and March 2024 respectively[191]. Loan and Deposit Trends - Total loans and advances reached CNY 44,232.27 billion, an increase of CNY 383.50 billion or 0.87% year-on-year, accounting for 58.58% of total assets, up 1.45 percentage points[13]. - Total deposits amounted to CNY 40,647.32 billion, a decrease of CNY 2,182.71 billion or 5.10% year-on-year, with personal deposits growing steadily[13]. - The total amount of unused credit card limits was RMB 510.741 billion, a slight decrease of 0.77% from RMB 514.685 billion at the end of 2023[55]. Digital Transformation and Innovation - The company is focusing on digital transformation to enhance customer experience and operational efficiency[153]. - The bank's digital financial services have been enhanced, with continuous iteration of digital products and improved service capabilities[122]. - The company is actively exploring the application of large models and AIGC technologies to improve service efficiency and customer experience across various banking operations[125]. Economic Outlook - The banking industry is expected to face both opportunities and challenges in the second half of the year, with increased fiscal spending and local bond issuance anticipated to boost economic recovery[153]. - The optimization of deposit term structures and manual interest compensation adjustments are expected to alleviate pressure from narrowing net interest margins[153].

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：2024-060 中国民生银行股份有限公司 关于解聘 2024 年度审计会计师事务所的公告 本行董事会及董事会全体成员保证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： 一、拟变更会计师事务所的情况说明 （一）原聘任会计师事务所情况及上年度审计意见 本行原聘任的会计师事务所为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"）。普华永道中天前身为 1993 年 3 月 28 日成立的普华大华会计师事务所， 经批准于 2000 年 6 月更名为普华永道中天会计师事务所有限公司；经 2012 年 12 月 24 日财政部财会函﹝2012﹞52 号批准，于 2013 年 1 月 18 日转制为普华 永道中天会计师事务所（特殊普通合伙）。注册地址为中国（上海）自由贸易试 验区陆家嘴环路 1318 号星展银行大厦 507 单元 01 室。罗兵咸永道是一家注册于 1 原聘任的会计师 ...

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：2024-059 中国民生银行股份有限公司 2024 年度中期利润分配预案公告 本行董事会及董事会全体成员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： 一、利润分配预案 根据本行经审计的 2023 年度财务报告，截至 2023 年 12 月 31 日，本行未分 配利润余额为人民币 2,648.09 亿元。根据本行经审阅的 2024 年半年度财务报告， 2024 年上半年集团口径下归属于本行股东净利润为 224.74 亿元，本行净利润为 214.63 亿元，已支付永续债利息合计 34.40 亿元1，截至 2024 年 6 月 30 日，本行 未分配利润余额为人民币 2,733.75 亿元。经董事会决议，本行 2024 年度中期利 润分配拟以实施分红派息股权登记日登记在册的普通股总股数为基数分配利润。 本次利润分配预案如下： 1 每股分配比例：每股派发现金股利人民币 0.13 元（含税）。 本次利润分配以实施分红派息股权登记日登记在册 ...

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：2024-057 中国民生银行股份有限公司 第九届董事会第三次会议决议公告 本行董事会及董事会全体成员保证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"）第九届董事会第三次会议于 2024 年 8 月 29 日在北京以现场方式召开，会议通知、会议文件和补充会议通知、 会议文件分别于 2024 年 8 月 15 日和 2024 年 8 月 26 日以电子邮件方式发出。会议 由高迎欣董事长召集并主持。会议应到董事 14 名，现场出席董事 10 名，董事长高 迎欣，副董事长王晓永，董事赵鹏、曲新久、温秋菊、宋焕政、杨志威、程凤朝、 刘寒星、张俊潼现场出席会议；电话/视频连线出席董事 4 名，副董事长张宏伟、刘 永好，董事史玉柱、宋春风通过电话/视频连线参加会议。应列席本次会议的监事 6 名，实际列席 6 名。会议符合《中华人民共和国公司法》《中国民生银行股份有限 公司章程》的规定，表决所形成决议合法、有效。 会议审议 ...

Dividend and Shareholder Information - The board of directors approved a cash dividend of RMB 1.30 per 10 shares (including tax) for all shareholders, subject to shareholder meeting approval [2]. - As of June 30, 2024, the total number of ordinary shares is 43,782,418,502, with no changes in share structure during the reporting period [172]. - The total number of ordinary shareholders is 341,030, with 323,419 holding A-shares and 17,611 holding H-shares [174]. - Major shareholders include Dajia Life Insurance Co., Ltd. with a 20.73% stake in A shares and 5.50% in H shares [177]. - The top ten shareholders hold a total of 313,808,367 shares, representing 0.72% of the total share capital [176]. - The total number of shares held by Hong Kong Central Clearing Limited is 8,285,912,862, accounting for 18.93% of the total shares [175]. - The largest shareholder, Dajia Life Insurance Co., Ltd., holds 10.30% of the total shares, which amounts to 7,352,284,689 A-shares and 457,930,200 H-shares [180]. - The top ten single shareholders collectively own 44.41% of the total shares, indicating a diversified ownership structure [180]. - The company has not sold or repurchased any of its own securities during the reporting period, reflecting a conservative capital management approach [181]. Financial Performance - Operating revenue for the first half of 2024 was RMB 67,127 million, a decrease of 6.17% compared to RMB 71,539 million in the same period of 2023 [8]. - Net profit attributable to shareholders for the first half of 2024 was RMB 22,474 million, down 5.48% from RMB 23,777 million in the first half of 2023 [8]. - The total profit for the first half of 2024 reached RMB 23,476 million, compared to RMB 24,747 million in the first half of 2023, indicating a decline of approximately 5.15% [90]. - The bank's net interest income for the reporting period was CNY 485.82 billion, a decrease of 5.36% year-on-year, with a net interest margin of 1.38%, down 10 basis points [17]. - The bank's operating income was CNY 671.27 billion, a decrease of CNY 44.12 billion or 6.17% year-on-year [17]. - The basic earnings per share for the first half of 2024 was RMB 0.43, a decline of 6.52% from RMB 0.46 in the first half of 2023 [8]. - The total profit amounted to RMB 23.476 billion, reflecting a decline of 5.14% from RMB 24.747 billion in the first half of 2023 [21]. Asset and Liability Management - Total assets as of June 30, 2024, were RMB 7,551,013 million, a decrease of 1.62% from RMB 7,674,965 million at the end of 2023 [9]. - The total liabilities decreased by 1.36% to RMB 6,941,371 million as of June 30, 2024, compared to RMB 7,037,164 million at the end of 2023 [9]. - The liquidity coverage ratio stood at 140.61%, while the net stable funding ratio was 104.78%, both above regulatory requirements [12]. - The total amount of deposits absorbed by the group was RMB 4,064.73 billion, a decrease of RMB 218.27 billion or 5.10% compared to the end of the previous year [54]. - The total liabilities of the group as of June 30, 2024, were RMB 69,413.71 billion, a decrease of RMB 957.93 billion or 1.36% from the end of the previous year [52]. Risk Management - The bank has not identified any significant risks that adversely affect its future development strategy and operational goals [2]. - The bank's management has implemented proactive measures to effectively manage various risks [2]. - The bank's non-performing loan ratio improved slightly to 1.47% as of June 30, 2024, down from 1.48% at the end of 2023 [9]. - The bank's non-performing loan generation rate was 1.27%, a year-on-year decrease of 0.20 percentage points, indicating improved asset quality management [100]. - The bank is committed to optimizing its interbank customer credit management model to strengthen risk prevention measures [132]. - The bank's risk management strategy emphasizes a dynamic balance between development and risk, with a focus on compliance as a core competitive advantage [152]. Strategic Initiatives and Growth - The bank has focused on enhancing the quality of liabilities, with a cost rate of interest-bearing liabilities at 2.38% during the reporting period [58]. - The bank has increased its support for key sectors such as manufacturing, inclusive finance, and green low-carbon initiatives, aligning with national financial strategies [66]. - The bank is actively promoting green low-carbon branch construction, integrating environmental design concepts into its operations [7]. - The bank aims to optimize financial supply by directing resources to key areas of economic development and enhancing regional strategies [170]. - The bank plans to drive innovation through digital transformation, improving customer experience and operational efficiency [170]. Corporate Governance - The company maintained compliance with legal and regulatory requirements regarding corporate governance throughout the reporting period [195]. - The company has a diverse board composition with a mix of executive and independent directors, promoting balanced decision-making [199]. - The company is preparing for a governance transition with several board members' terms expiring in 2024, which may lead to new strategic initiatives [200]. - The company has appointed several independent directors with terms extending to 2027, enhancing governance and oversight [199]. Customer Engagement and Digital Transformation - The bank's digital financial services are continuously upgraded, focusing on efficiency and security improvements, with ongoing iterations of digital products [134]. - The number of online financing customers increased to 83,700, up by 27,500 from the end of the previous year, while the number of core enterprise customers rose to 2,634, an increase of 607 [135]. - The number of retail customers increased to 132.03 million, a growth of 2.57% compared to the end of the previous year [117]. - The bank is enhancing post-loan management capabilities to identify and mitigate potential risks early [156].