Core Viewpoint - Minsheng Bank reported a revenue increase of 4.61% year-on-year for Q3 2025, but net profit decreased by 10.61, indicating potential challenges in profitability despite revenue growth [1] Financial Performance - Q3 2025 revenue was approximately RMB 36.125 billion, up from the previous year [1] - Q3 2025 net profit was around RMB 7.162 billion, down 10.61% year-on-year [1] - Basic earnings per share for Q3 2025 were RMB 0.14 [1] - For the first three quarters of 2025, revenue reached approximately RMB 108.51 billion, reflecting a year-on-year increase of 6.74% [1] - Net profit for the first three quarters was about RMB 28.542 billion, a decrease of 6.38% compared to the same period last year [1]

Core Viewpoint - Minsheng Bank reported a revenue of approximately RMB 36.125 billion for Q3 2025, representing a year-on-year increase of 4.61%, while net profit decreased by 10.61% to around RMB 7.162 billion [1] Financial Performance - For the first three quarters, the bank's revenue was approximately RMB 108.51 billion, showing a year-on-year increase of 6.74% [1] - The net profit for the same period was approximately RMB 28.542 billion, reflecting a year-on-year decrease of 6.38% [1] - Basic earnings per share were reported at RMB 0.14 [1]

Financial Performance - Net profit attributable to shareholders for the third quarter of 2025 was RMB 7,162 million, down 10.61% year-on-year[10] - The net profit attributable to the shareholders of the bank was CNY 28.542 billion, a decrease of CNY 1.944 billion, with a decline rate of 6.38%[24] - Net profit for the group for the nine months ended September 30, 2025, was RMB 28,539 million, compared to RMB 30,716 million for the same period in 2024, reflecting a decrease of approximately 7.1%[49] - The total comprehensive income for the group for the first nine months of 2025 was RMB 25,553 million, a decrease of 20.5% compared to RMB 32,296 million in the same period of 2024[51] - The basic earnings per share for the third quarter was RMB 0.14, a decrease of 12.50% year-on-year[10] - The group’s earnings per share for the first nine months of 2025 was RMB 0.59, compared to RMB 0.60 in the same period of 2024[51] Asset and Liability Management - Total assets as of September 30, 2025, reached RMB 7,872,864 million, an increase of 0.74% compared to the end of 2024[9] - The bank's total liabilities as of September 30, 2025, were RMB 7,172,316 million, an increase of 0.19% from the previous year[9] - The group's total liabilities amounted to RMB 7,172,316 million as of September 30, 2025, slightly up from RMB 7,158,401 million at the end of 2024[45] - The total equity attributable to shareholders of the bank increased to RMB 686,922 million as of September 30, 2025, compared to RMB 642,859 million at the end of 2024, reflecting a growth of 6.9%[47] Income and Revenue - Operating income for the third quarter was RMB 36,125 million, reflecting a growth of 4.61% year-on-year[10] - The group achieved operating income of CNY 108.509 billion, a year-on-year increase of CNY 6.849 billion, reflecting a growth rate of 6.74%[24] - The net interest income for the first three quarters of 2025 was RMB 75,510 million, an increase of 2.40% compared to the same period last year[10] - The net interest income for the group was CNY 75.510 billion, an increase of CNY 1.767 billion, representing a growth of 2.40%[24] - Non-interest income reached CNY 32.999 billion, a year-on-year increase of CNY 5.082 billion, with a growth rate of 18.20%[24] Loan and Deposit Information - Total loans and advances amounted to RMB 4,436,759 million, a slight decrease of 0.31% from the previous year[9] - Total deposits reached RMB 4,255,602 million, a marginal increase of 0.15% from the end of 2024[9] - The bank's total deposits stood at RMB 4,325,593 million as of September 30, 2025, slightly down from RMB 4,332,681 million at the end of 2024[45] - The balance of inclusive small and micro enterprise loans was CNY 663.014 billion, serving 455,500 clients, with an average interest rate of 3.59% and a non-performing loan rate of 1.58%[28] Non-Performing Loans and Risk Management - The non-performing loan ratio stood at 1.48%, a slight increase of 0.01 percentage points compared to the end of 2024[9] - The total amount of non-performing loans was RMB 65.857 billion, an increase of RMB 0.0247 billion from the end of the previous year, with a non-performing loan ratio of 1.48%, up 0.01 percentage points[36] - The provision coverage ratio improved to 143.00%, up 1.06 percentage points from the previous year[9] - The bank's provision coverage ratio was 143.00%, an increase of 1.06 percentage points from the end of the previous year[36] Cash Flow and Investment Activities - The net cash flow from operating activities for the first three quarters of 2025 was 46,055 million RMB, a substantial recovery from -194,600 million RMB in the same period of 2024[15] - The net cash flow from investment activities was RMB 71,200 million, compared to RMB 4,335 million in the same period of 2024, indicating a strong recovery in investment returns[55] - The group reported a net increase in cash and cash equivalents of RMB 50,891 million, contrasting with a decrease of RMB 54,194 million in the same period of 2024[57] Shareholder Information - The total number of ordinary shareholders reached 336,103, with 319,388 holding A-shares and 16,715 holding H-shares as of the end of the reporting period[16] - The largest shareholder, Hong Kong Central Clearing Limited, holds 8,288,521,394 H-shares, representing 18.93% of total shares[17] - The second-largest shareholder, China Life Insurance Company, holds 4,508,984,567 A-shares, accounting for 10.30% of total shares[17] Strategic Initiatives and Focus Areas - The company has established 12 specialized financial branches for technology innovation, focusing on six core areas including new information technology and high-end equipment manufacturing[25] - The company aims to enhance its digital service capabilities through the continuous iteration of the "Technology Finance Firefly Platform" for better customer experience[25] - The company is committed to supporting the green economy by promoting innovative products linked to carbon reduction and biodiversity protection[26] - The company has integrated various financial services for small and micro enterprises, achieving a comprehensive service model across the supply chain[28] - The company has increased its focus on the elderly financial services sector, enhancing customer experience through various channels and community engagement[29]

人民财讯10月30日电，民生银行（600016）10月30日披露2025年三季报，今年前三季度该行实现营业收 入1085.09亿元，同比增长6.74%；实现归属于该行股东的净利润285.42亿元，同比下降6.38%，其中利 息净收入、非利息净收入均实现同比增长。截至9月末，该行资产总额78728.64亿元，不良贷款率为 1.48%，比上年末上升0.01个百分点。 ...

中国民生银行股份有限公司 第九届董事会第十六次会议决议公告 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。 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：2025-042 1. 关于《中国民生银行 2025 年第三季度报告》的决议 《中国民生银行 2025 年第三季度报告》已经本行董事会审计委员会全体委员审 议通过，并同意提交董事会。《中国民生银行 2025 年第三季度报告》详见上海证券 交易所网站及本行网站。 中国民生银行股份有限公司（以下简称"中国民生银行""本行"）第九届董 事会第十六次会议以书面传签方式召开，表决截止日期为 2025 年 10 月 30 日。会议 通知、会议文件于 2025 年 10 月 16 日以电子邮件方式发出，共收回有效表决票 14 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： 议案表决情况：同意 14 票，反对 0 票，弃权 0 票。 2. 关于《中国民生 ...

民生银行10月30日公告，2025年第三季度实现营业收入361.25亿元，同比增长4.61%；归属于上市公司 股东的净利润71.62亿元，同比下降10.61%；基本每股收益0.14元。前三季度实现营业收入1085.09亿 元，同比增长6.74%；归属于上市公司股东的净利润285.42亿元，同比下降6.38%；基本每股收益0.59 元。 ...

Financial Performance - Net profit attributable to shareholders was RMB 7,162 million, down 10.61% from the same period last year[4] - The return on average total assets (annualized) was 0.36%, a decrease of 0.06 percentage points year-on-year[4] - The weighted average return on equity (annualized) was 4.13%, down 1.11 percentage points from the previous year[4] - The bank's basic earnings per share was RMB 0.14, a decrease of 12.50% compared to the same period last year[4] - The net profit attributable to shareholders for the first three quarters of 2025 was CNY 285.42 billion, a decrease of CNY 19.44 billion, or 6.38% year-on-year[17] - The net profit attributable to the bank's shareholders for the first nine months of 2025 was RMB 28,542 million, compared to RMB 30,486 million in 2024, indicating a decrease of 6.4%[46] - The total comprehensive income for the group was RMB 25,553 million, down from RMB 32,296 million in the same period last year, reflecting a decline of 20.8%[48] Asset and Liability Management - Total assets reached RMB 7,872,864 million, an increase of 0.74% compared to the end of 2024[3] - Total liabilities amounted to CNY 71,723.16 billion, increasing by CNY 139.15 billion, or 0.19% year-on-year[16] - The total assets of the group reached RMB 7,872,864 million as of September 30, 2025, compared to RMB 7,814,969 million at the end of 2024[40] - The group's total liabilities were RMB 7,172,316 million as of September 30, 2025, compared to RMB 7,158,401 million at the end of 2024[42] - The bank's total liabilities and shareholders' equity reached RMB 7,872,864 million, compared to RMB 7,814,969 million at the end of 2024, showing a growth of 0.7%[44] Loan and Deposit Trends - Total loans and advances amounted to RMB 4,436,759 million, a slight decrease of 0.31% year-on-year[3] - Total deposits reached RMB 4,255,602 million, reflecting a growth of 0.15% compared to the previous year[3] - The balance of inclusive small and micro enterprise loans was CNY 6,630.14 billion, with a non-performing loan ratio of 1.58%[21] - Total loans (including discounts) amounted to 1.48 trillion yuan, an increase of 32.52 billion yuan compared to the end of last year[26] - Daily average deposits reached 1.21 trillion yuan, an increase of 10.13 billion yuan compared to the previous year[26] Asset Quality and Risk Management - The non-performing loan ratio increased to 1.48%, up 0.01 percentage points from the end of 2024[3] - The non-performing loan total was 65.86 billion yuan, with a non-performing loan ratio of 1.48%, up 0.01 percentage points from the end of last year[32] - The core Tier 1 capital adequacy ratio was 9.25%, down by 0.11 percentage points from the end of the previous year[34] - The liquidity coverage ratio stood at 133.70%, exceeding the regulatory requirement by 33.70 percentage points[36] - The asset quality remains stable and controllable, with a robust risk prevention system in place[15] Operational Efficiency and Strategic Focus - The company emphasizes a strategic focus on "strong customer base, optimal structure, risk control, and revenue growth" for high-quality development[15] - The company is committed to optimizing its operations and driving efficiency through structural improvements[15] - The group aims to enhance its support for technology-driven enterprises and has established 12 specialized branches for technology finance[18] - Key business areas such as supply chain, agency distribution, mortgage, merchant acquiring, and cross-border services are experiencing accelerated growth[15] Shareholder Information - The total number of ordinary shareholders was 336,103, with 319,388 holding A shares and 16,715 holding H shares[7] - The top 10 shareholders hold a total of 18.93% and 10.30% of the shares, with the largest being Hong Kong Central Clearing Limited at 8,288,521,394 shares[8] - The company has a total of 57 domestic preferred shareholders as of the end of the reporting period[10] - The largest preferred shareholder is China Ping An Property & Casualty Insurance Co., holding 14,000,000 shares, representing 7.00%[12] - The total number of shares held by the top 10 unrestricted shareholders does not participate in margin trading[8] Cash Flow and Investment Activities - Cash flow from operating activities for the year-to-date was RMB 46,055 million, a significant improvement from a negative cash flow in the previous year[6] - The group's cash flow from operating activities generated a net inflow of RMB 46,055 million, a significant recovery compared to a net outflow of RMB 194,600 million in the previous year[50] - The net cash flow from investment activities for the group increased to RMB 71.2 million in 2025 from RMB 4.3 million in 2024, reflecting a significant improvement[52] - Cash inflows from investment activities totaled RMB 2,531.878 million in 2025, up from RMB 1,452.444 million in 2024, indicating a growth of approximately 74%[52] - The cash outflow for debt repayment was RMB 1,073.243 million in 2025, compared to RMB 833.659 million in 2024, indicating an increase in debt servicing costs[52]

中国民生银行股份有限公司 信息披露事务管理制度 （2025 年修订） 第一章 总则 第一条 为规范中国民生银行股份有限公司（简称"本公司"或 "公司"）的信息披露行为，加强信息披露事务管理，维护本公司、 保护投资者及其他利益相关者的合法权益，依据《中华人民共和国公 司法》《中华人民共和国证券法》《上市公司信息披露管理办法》《商 业银行信息披露特别规定》《上海证券交易所股票上市规则》《香港 联合交易所有限公司证券上市规则》（简称《香港上市规则》）、香 港《证券及期货条例》《银行保险机构公司治理准则》《商业银行信 息披露办法》等法律、法规、部门规章、规范性文件和《中国民生银 行股份有限公司章程》（简称《公司章程》）的有关规定，特制定本 制度。 第二条 本制度所称信息披露包括以下情况： （一）所有对本公司证券及其衍生品种交易价格可能产生较大影 响的信息，本公司按规定及时报告有关证券监管部门或公司证券上市 地交易所（简称"交易所"），并按规定方式通过交易所网站及指定 媒体向社会公众公告。 （二）根据银行业监督管理机构相关规定对本公司有关重要信息 进行披露。 1 第三条 本制度适用人员和机构：公司、董事和董事会、控股股 ...

中国民生银行股份有限公司 暂缓与豁免信息披露管理办法 （2025 年修订） 第一章 总 则 第一条 为规范中国民生银行股份有限公司（简称"本公司" 或"公司"）暂缓与豁免信息披露行为，依法合规履行信息披露 义务,根据《中华人民共和国保守国家秘密法》《中华人民共和国 证券法》《上市公司信息披露管理办法》《上市公司信息披露暂缓 与豁免管理规定》《上海证券交易所股票上市规则》、香港《证券 及期货条例》、香港证券及期货事务监察委员会（简称"香港证 监会"）《内幕消息披露指引》、香港联合交易所有限公司（简称 "香港联交所"）《香港联合交易所有限公司证券上市规则》（简 称"《香港上市规则》"）、其他境内外相关证券监管规定（以上统 称为"证券监管规定"）以及《中国民生银行股份有限公司信息 披露事务管理制度》，制定本办法。 （一）合规原则。暂缓与豁免信息披露应严格按照证券监管 规定、本办法及本公司其他信息披露管理规章制度进行办理。 （二）审慎原则。本公司应对是否符合暂缓、豁免信息披露 的条件进行审慎判断，不得滥用暂缓、豁免程序，规避应当履行 的信息披露义务。 （三）孰严原则。本公司应兼顾上海、香港两地证券市场的 监管规定，遵 ...

Core Viewpoint - Minsheng Bank has optimized its small and micro enterprise guarantee letter services to enhance customer experience and support the growth of small businesses in China [1][4]. Group 1: Service Efficiency - Minsheng Bank has implemented an all-online application process for guarantee letters, allowing small enterprises to apply without visiting a branch [2][4]. - The average processing time for guarantee letters has been reduced to within one working day, with urgent requests being completed in as little as half a day [5]. Group 2: Customer Support - Dedicated customer managers provide comprehensive support, including material preparation guidance and real-time answers to queries through a service group [4][5]. - The bank's proactive approach includes pre-auditing required documents to prevent delays in processing [2][4]. Group 3: Customer Experience - Customers have expressed satisfaction with the speed and efficiency of the service, highlighting the bank's understanding of industry needs and the clarity provided regarding contract details [3][5]. - The personalized service and quick turnaround have led to positive feedback from small business owners, reinforcing their trust in Minsheng Bank for future financial needs [5].