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].

Core Insights - The collaboration between China Minsheng Bank and Juneyao Airlines aims to enhance the "financial + aviation" service experience for travelers, contributing to the development of Shanghai as an international shipping center [1][4] - Juneyao Airlines, established in 2006, operates 103 aircraft, serves nearly 100 domestic and international cities, and transports over 20 million passengers annually [2] - The co-branded debit card offers exclusive benefits for cardholders in Shanghai, including new customer points, monthly vouchers, access to domestic VIP lounges for 1 yuan, ticket discounts, and cabin upgrades [3][4] Company Collaboration - The partnership is based on a shared service philosophy, with Minsheng Bank providing robust financial support through innovative product offerings [2] - Juneyao Airlines' assistant president highlighted the bank's role as an innovator in finance, establishing a solid foundation for a long-term strategic partnership [3] - Both companies plan to deepen their collaboration by optimizing the co-branded card benefits and expanding their product offerings to enhance travel quality [4]

Market Overview - The Shanghai Composite Index rose by 0.70% on October 29, with 24 out of 31 sectors experiencing gains, led by the power equipment and non-ferrous metals sectors, which increased by 4.79% and 4.28% respectively [1] - The banking and food & beverage sectors were the biggest losers, declining by 1.98% and 0.56% respectively, with the banking sector taking the lead in losses [1] Capital Flow - The net inflow of capital in the two markets was 5.406 billion yuan, with 12 sectors seeing net inflows. The power equipment sector had the highest net inflow of 16.132 billion yuan, followed by the non-ferrous metals sector with 5.997 billion yuan [1] - Conversely, 19 sectors experienced net outflows, with the electronics sector leading with a net outflow of 6.540 billion yuan, followed by the communications sector with 4.736 billion yuan [1] Banking Sector Performance - The banking sector saw a decline of 1.98%, with a net outflow of 2.090 billion yuan. Out of 42 stocks in this sector, only one stock rose while 39 stocks fell [2] - Among the banking stocks, China Bank had the highest net inflow of 299 million yuan, followed by CITIC Bank and Nanjing Bank with net inflows of 111 million yuan and 81.076 million yuan respectively [2] - The stocks with the largest net outflows included China Merchants Bank, Minsheng Bank, and Jiangsu Bank, with net outflows of 773 million yuan, 418 million yuan, and 241 million yuan respectively [2]

Core Viewpoint - The collaboration between Minsheng Bank and Juneyao Airlines marks a significant step in integrating financial services with air travel, aiming to enhance customer experience and meet consumer needs in both sectors [1] Group 1: Partnership Overview - Minsheng Bank and Juneyao Airlines launched a co-branded debit card in Shanghai, combining their strengths in financial services and air travel [1] - The partnership is described as a practical measure to complement each other's advantages and address consumer demands [1] Group 2: Product Features - The co-branded debit card offers a comprehensive benefits system for cardholders in Shanghai, including five core privileges: new customer bonus points, monthly universal vouchers for Cloud Flash Payment, access to Juneyao Airlines' domestic VIP lounges for 1 yuan, and discounts on Juneyao Airlines tickets [1] - The card is designed to cater to the needs of business and leisure travelers, enhancing the overall travel experience [1] Group 3: Future Plans - Minsheng Bank and Juneyao Airlines plan to deepen their collaboration, promoting more high-quality "finance + travel" services nationwide under the concept of "Gathering Benefits, Enjoying Travel" [1] - The initiative aims to inject new momentum into serving the public and supporting high-quality economic development [1]