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：2025-016 中国民生银行股份有限公司 关于 2025 年第一季度主要经营情况的公告 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。 中国民生银行股份有限公司董事会 2025 年 4 月 8 日 1 2025 年以来，中国民生银行股份有限公司（以下简称"本行"）坚持金融服务 实体经济的根本宗旨，保持战略定力，持续夯实基础，积极进取、精细管理，以"强 客群、优结构、控风险、促增收"为工作主线，推动经营业绩稳步改善。 一季度，本行资产负债结构不断优化，存贷款规模稳健增长，净息差稳中改善， 营业收入同比增长超过 7%，其中净利息收入与净非利息收入均实现同比正增长。 特此公告 ...

Core Viewpoint - Minsheng Bank aims to support private enterprises, with loans to this sector exceeding 1.5 trillion yuan, accounting for nearly 40% of total loans in 2024 [1] Financial Performance - In 2024, the group's total assets reached 7.8 trillion yuan, a 1.8% increase year-on-year, with loans amounting to 4.45 trillion yuan, up 1.5% [2] - The group's operating income was 136.3 billion yuan, a decrease of 3.2% from the previous year, while net profit fell by 9.8% due to increased risk provisions and technology investments [2][3] - The net interest margin for 2024 was 1.39%, down 7 basis points year-on-year, but the decline was less than the industry average [4] Asset Quality - The non-performing loan (NPL) ratio was 1.47%, a decrease of 0.01 percentage points from the previous year, and the NPL generation rate was 1.49%, down 0.09 percentage points year-on-year [6] - The bank recovered 67.4 billion yuan in non-performing assets in 2024, with cash recovery of 10.2 billion yuan from written-off assets [6] Real Estate and Financing Platform - The NPL ratio for the real estate sector was 5.01%, with a slight decrease in NPL generation and overall asset quality remaining stable [7] - The financing platform business balance was 98.257 billion yuan, a 26% decrease from the previous year, indicating manageable risk levels [7] Specific Loan Cases - The loan balance for Dongfang Group was 7.694 billion yuan, down approximately 1.9 billion yuan year-on-year, with provisions made based on risk assessments [8] - The loan balance for Fan Hai Group was 18.484 billion yuan, with provisions also made considering the risk status [8] - The loan balance for Evergrande Group was 9.1 billion yuan, primarily for real estate projects, with provisions made to mitigate potential impacts on the bank's operations [9]

Core Viewpoint - Minsheng Bank aims to be a partner for private enterprises, targeting over 1.5 trillion yuan in loans to private enterprises in 2024, accounting for nearly 40% of total loans [1] Financial Performance - In 2024, Minsheng Bank's total assets reached 7.8 trillion yuan, a 1.8% increase year-on-year, with loans amounting to 4.45 trillion yuan, up 1.5% [4] - The bank's operating income was 136.3 billion yuan, a decrease of 3.2% from the previous year, while net profit fell by 9.8% due to increased risk provisions and technology investments [4][5] - The net interest margin for 2024 was 1.39%, down 7 basis points year-on-year, but the decline was less than the industry average [6] Asset Quality - The non-performing loan (NPL) ratio was 1.47%, a slight decrease of 0.01 percentage points year-on-year, marking four consecutive years of decline [7] - The bank recovered 67.4 billion yuan in non-performing assets in 2024, with cash recovery of 10.2 billion yuan from written-off assets [7] Real Estate and Financing Platform - The NPL ratio for the real estate sector was 5.01%, with a decrease in both the amount and rate of new NPLs compared to 2023 [8] - The financing platform debt balance was 98.257 billion yuan, down 26% year-on-year, indicating manageable risk levels [8] Specific Loan Cases - The loan balance for Dongfang Group was 7.694 billion yuan, reduced by approximately 1.9 billion yuan from the previous year, with provisions made based on risk assessments [9] - The loan balance for Fan Hai Group was 18.484 billion yuan, with provisions also made considering the risk profile [9] - The loan balance for Evergrande Group was 9.1 billion yuan, primarily for real estate projects, with provisions in place to mitigate potential impacts on the bank's operations [10]

每经记者 张寿林 每经编辑 马子卿 负债方面，近年来民生银行通过深耕客户，获取高质量负债的成效逐步显现，存款付息率持续下降。各 项存款中，个人存款较上年末增加918亿元，占比提升2.4个百分点；活期存款较上年末增加1275亿元， 占比提升3.2个百分点。同时，存款付息率降幅持续扩大，2024年存款付息率2.14%，较上年下降17个 BP，下半年环比再下降20个BP。 "民生银行2024年下半年息差环比提升，带动营业收入下半年环比增长，主要是受益于负债成本的有效 管控和资产结构的不断优化。"民生银行副行长李彬表示，预计2025年银行业净息差仍将承压，该行将 积极应对形势变化，着力通过客户基础扩大，核心主营业务增长，力求推动净息差和营业收入变化优于 市场平均表现，并在此基础上力争营业收入总量保持平稳。 民生银行董事长高迎欣说，2021年以来，该行持续深化民企战略，升级服务模式，更加强调为客户创造 价值，成为民营企业的首选银行，尤其是携手他们穿越经济周期。 4月1日下午，民生银行以网络直播的形式召开2024年度业绩交流会。此前公布的年报显示，2024年末民 生银行集团资产总额7.81万亿元，较上年末增长1.82%， ...

民生银行在复杂的金融市场环境中，通过积极调整业务结构，展现出较强发展韧性。2024年年报显示， 民生银行实现集团营业收入1,362.90亿元，同比下降3.21%；归属于母公司股东的净利润322.96亿元，同 比下降9.85%；资产总额78,149.69亿元，比上年末增长1.82%；不良贷款率1.47%，比上年末下降0.01个 百分点；核心一级资本充足率9.36%，比上年末上升0.08个百分点。 总体来看，民生银行2024年财报稳中有进、态势向好。营业收入同比降幅逐季收窄，各季度累计降幅分 别为6.80%、6.17%、4.37%、3.21%，降幅优于同业水平；其中，三、四季度连续实现环比增长；全年 净息差1.39%，降幅同比收窄7BP，低于同业可比水平；下半年净息差1.41%，较上半年提升3BP。收入 与息差的企稳，主要由于全行客户基础、业务结构等因素的持续改善。 21世纪经济报道记者张欣 北京报道 "经过这几年持续夯基础、调结构，我们打造出一张更加健康、基础更加扎实的资产负债表，增强了穿 越周期的发展韧性。"4月1日下午，民生银行以网络直播的形式召开2024年度业绩交流会，董事长高迎 欣在会上如此表示。 过去 ...

据介绍，民生银行北京分行将以本次大会为契机，深化与昌平区政府、未来科学城的战略合作，重点支 持生命科学、人工智能、量子信息等前沿领域，以更高效的金融服务、更灵活的融资方案，助力北京国 际科创中心建设与全球科学小镇发展。 作为北京市科创金融服务的主力军，民生银行北京分行近年来深度布局科技金融赛道。该行设立"民生 惠""易创E贷"等适合不同场景的流动资金贷款产品，并着力打造"科技金融+N"方案，推出"科创+供应 链""科创+并购""科创+固定资产贷款"等多元化金融产品库。同时，加大政策支持力度，建立科创企业 中小评审绿色通道和差异化信贷政策。 民生银行北京分行相关负责人表示，民生银行北京分行从科创服务体系、特色金融产品、科技金融生态 打造等方面入手，积极做好"科技金融"这篇大文章，以强大的金融有力支撑科技和产业创新，用创新的 金融为新质生产力发展提供全生命周期、全方位服务，推动"科技—产业—金融"深度融合，良性循环。 2025年3月22日，"汇聚金融活水 共创新质未来——2025未来科学城科创金融大会"在北京未来科学城隆 重举行。本次大会由北京市昌平区人民政府、北京未来科学城管理委员会、北京国有资本运营管理有限 ...

年报中管理层讨论分析指出，净息差、房地产行业风险管控、非利息净收入等方面为重点关注问题。 此外，该行2024年年度权益分配预案指出，以总股本3546212.32万股为基数，向全体股东每10股派发现 金红利人民币0.62元，合计派发现金红利人民币21.99亿元。 营收净利润"双降" 净息差持续收窄 盈利方面，2024年，民生银行实现营业收入1362.90亿元，同比下降3.21%；实现归属于母公司股东的净 利润322.96亿元，同比下降9.85%。 | | | | 本报告期比 | | | --- | --- | --- | --- | --- | | | 2024年 | 2023年 | 上年同期 | 2022年 | | 经营业绩(人民币百万元) | | | 增减(%) | | | 营业收入 | 136,290 | 140,817 | -3.21 | 142,476 | | 利息净收入 | 98,690 | 102,431 | -3.65 | 107,463 | | 非利息净收入 | 37,600 | 38,386 | -2.05 | 35,013 | | 营业支出 | 101,946 | 103,230 | -1 ...

Core Viewpoint - Minsheng Bank reported a total asset of 78,149.69 billion yuan by the end of 2024, an increase of 1,400.04 billion yuan, or 1.82% year-on-year [1] Financial Performance - The total loan and advance amount reached 44,504.80 billion yuan, up by 656.03 billion yuan, or 1.50% year-on-year [1] - The net interest margin for 2024 was 1.39%, a year-on-year decrease of 7 basis points, with signs of stabilization in the second half of the year [1] - Total deposits amounted to 42,490.95 billion yuan, an increase of 1,843.63 billion yuan, or 4.54% from the previous half [2] Loan Growth and Focus Areas - Green credit, manufacturing loans, and inclusive small and micro enterprise loans grew by 22.41%, 9.38%, and 8.24% respectively, all exceeding the average loan growth rate [1] - Loans in key regions such as Beijing-Tianjin-Hebei, Yangtze River Delta, and Guangdong-Hong Kong-Macao Greater Bay Area accounted for 65.57% of total loans, up by 0.69 percentage points year-on-year [1] Customer Strategy and Growth - The number of strategic customers increased to 1,992, up by 303 from the previous year, with supply chain core customers rising to 2,494, an increase of 1,162 [2] - The number of institutional clients reached 39,637, reflecting a growth of 15.96% year-on-year [3] Small and Micro Finance - The balance of small micro loans was 8,551.02 billion yuan, an increase of 638.86 billion yuan year-on-year, with inclusive small micro enterprise loans at 6,627.18 billion yuan, up by 504.49 billion yuan [4] - The average interest rate for inclusive small micro enterprise loans was 4.27%, down by 38 basis points from the previous year [4] Retail Banking - Retail customers reached 13,429.02 million, a growth of 5.99% year-on-year, with private banking clients increasing by 12.48% to 62,100 [4] - Total assets of private banking clients amounted to 8,659.69 billion yuan, an increase of 890.27 billion yuan, or 11.46% year-on-year [4]

中国民生银行股份有限公司 内部控制审计报告 KPMGHuazhenLLP 8thFloor,KPMGTower OrientalPlaza 1EastChangAnAvenue Beijing100738 China Telephone +86(10)85085000 Fax +86(10)85185111 Internet kpmg.com/cn 毕马威华振会计师事务所 (特殊普通合伙) 中国北京 东长安街 1 号 东方广场毕马威大楼 8 层 邮政编码:100738 电话 +86(10)85085000 传真 +86(10)85185111 网址 kpmg.com/cn 内部控制审计报告 毕马威华振审字第 2508320 号 中国民生银行股份有限公司全体股东： 按照《企业内部控制审计指引》及中国注册会计师执业准则的相关要求，我们审计了中 国民生银行股份有限公司（以下简称"贵行"）2024 年 12 月 31 日的财务报告内部控制的有效 性。 一、 企业对内部控制的责任 按照《企业内部控制基本规范》、《企业内部控制应用指引》、《企业内部控制评价指 引》的规定，建立健全和有效实施内部控制，并评价其有效性是贵行董 ...

中国民生银行股份有限公司 自 2024 年 1 月 1 日 至 2024 年 12 月 31 日止年度财务报表 KPMG Huazhen LLP 8th Floor. KPMG Tower Oriental Plaza 1 East Chang Arı Avenue Beijing 100738 China Telephone +86 (10) 8508 5000 +86 (10) 8518 5111 Fax Internet kpmg.com/cn 近外椰型式外媒片做可好 (特殊普通合伙) 中国北京 东长安街1号 东方广场毕马威大楼8层 邮政编码:100738 电话 +86(10) 8508 5000 传真 +86 (10) 8518 5111 网址 kpmg.com/cn 审计报告 毕马威华振审字第 2508242 号 中国民生银行股份有限公司全体股东: 一、审计意见 我们审计了后附的中国民生银行股份有限公司(以下简称"民生银行")财务报表，包括 2024 年 12 月 31 日的合并及银行资产负债表，2024 年度的合并及银行利润表、合并及银行现 金流量表、合并及银行股东权益变动表以及相关财务报表附注。 ...