本次业绩说明会以网络直播互动召开，公司将就 2023 年度及 2024 年第一季 度业绩和经营情况与投资者进行交流和沟通，在信息披露允许的范围内就投资者 普遍关注的问题进行回答。 | 证券代码：601229 | 证券简称：上海银行 | 公告编号：临 2024-022 | | --- | --- | --- | | 优先股代码：360029 | | 优先股简称：上银优 1 | | 可转债代码：113042 | | 可转债简称：上银转债 | 上海银行股份有限公司 关于召开 2023 年度暨 2024 年第一季度业绩说明会的公告 上海银行股份有限公司（以下简称"公司"）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： 公司已于 2024 年 4 月 26 日在上海证券交易所（www.sse.com.cn）披露 2023 年度报告和 2024 年第一季度报告。为便于广大投资者更全面深入地了解公司 2023 年度及 2024 年第一季度业绩和经营情况，公司拟于 2024 年 5 月 7 日下午 15:00-16:30 召开业绩 ...

Financial Performance - The operating income for Q1 2024 was RMB 13,093,548, a decrease of 0.93% compared to RMB 13,214,928 in Q1 2023[4] - The net profit attributable to shareholders of the parent company for Q1 2024 was RMB 6,150,324, an increase of 1.77% from RMB 6,043,234 in Q1 2023[4] - The diluted earnings per share for Q1 2024 was RMB 0.39, up from RMB 0.38 in Q1 2023[4] - The total comprehensive income for Q1 2024 was RMB 6,636,639 thousand, up from RMB 5,259,946 thousand in Q1 2023, indicating a year-over-year increase of 26.1%[37] - Operating profit for Q1 2024 was RMB 7,268,284 thousand, compared to RMB 6,840,191 thousand in Q1 2023, representing an increase of 6.3%[36] - The total operating expenses for Q1 2024 were RMB 5,825,264 thousand, down from RMB 6,374,737 thousand in Q1 2023, showing a decrease of 8.6%[34] Cash Flow and Investments - The net cash flow from operating activities for Q1 2024 was RMB 743,566, an increase of 95.48% year-on-year[8] - The cash flow from operating activities for Q1 2024 was RMB 117,955,169 thousand, slightly higher than RMB 115,198,624 thousand in Q1 2023[39] - The net cash flow from investing activities for Q1 2024 was RMB 27,671,958 thousand, a significant improvement from a net outflow of RMB 30,301,853 thousand in Q1 2023[41] Assets and Equity - The total assets as of March 31, 2024, were RMB 3,154,743,623, an increase of 2.24% from RMB 3,085,516,473 at the end of 2023[4] - The total equity attributable to shareholders of the parent company increased to RMB 245,213,589 as of March 31, 2024, from RMB 238,578,830 at the end of 2023[4] - The total assets reached RMB 3.154743623 trillion as of March 31, 2024[25] Loan and Deposit Growth - The total amount of customer loans and advances was RMB 1,416.593 billion, growing by 2.87% year-on-year[16] - The total deposits amounted to RMB 1,684.998 billion, reflecting a growth of 2.74% from the previous year[16] - The amount of loans and advances to corporate clients in RMB reached RMB 847.710 billion, an increase of 6.45% from the previous year[17] - The company reported a net increase in customer deposits of RMB 44,919,661 thousand in Q1 2024, compared to RMB 75,698,548 thousand in Q1 2023[39] Capital Adequacy and Risk Management - The core tier 1 capital adequacy ratio was 9.48% as of March 31, 2024, compared to 9.11% at the end of 2023[6] - The capital adequacy ratio stood at 13.22%, with a Tier 1 capital ratio of 10.34% and a core Tier 1 capital ratio of 9.48%, all meeting regulatory requirements[16] - The non-performing loan ratio remained stable at 1.21% as of March 31, 2024[12] - The provision coverage ratio for non-performing loans was 272.13% as of March 31, 2024[12] Customer Growth and Services - The number of customers increased to 294,400, representing a growth of 2.13% year-on-year[17] - The number of clients in entrusted business increased by 14.81% compared to the end of the previous year[19] - The number of pension clients increased by 35.17% year-on-year, reaching 1.5858 million clients[21] - The total AUM for pension clients was RMB 463.862 billion, an increase of 2.10% compared to the end of the previous year[21] Income Sources - The net interest income was RMB 7.953619 billion, with interest income of RMB 23.288878 billion and interest expenses of RMB 15.335259 billion[28] - The net commission and fee income was RMB 1.239956 billion, with total commission income of RMB 1.374108 billion[29] - Total investment income for Q1 2024 reached RMB 2,992,808 thousand, a slight increase from RMB 2,990,178 thousand in Q1 2023[31] Green Finance Initiatives - The issuance of green loans amounted to RMB 25.339 billion, a year-on-year increase of 70%, ranking first among city commercial banks[18] - The balance of self-owned non-financial corporate green bond investments reached RMB 9.317 billion, an increase of 3.95% compared to the end of the previous year[19]

上海银行股份有限公司 2023 年度独立董事述职报告 2024 年 4 月 25 日 上海银行股份有限公司 2023年度独立董事述职报告 （李正强） 本人李正强，作为上海银行股份有限公司（以下简称"本行"）独立 董事，按照《中华人民共和国公司法》《中华人民共和国证券法》、中国证 监会《上市公司独立董事管理办法》、国家金融监督管理总局《银行保险 机构公司治理准则》《银行保险机构董事监事履职评价办法（试行）》、上 海证券交易所《上市公司自律监管指引第 1 号——规范运作》以及《上海 银行股份有限公司章程》等相关规定，忠实勤勉地履行职责，积极发挥独 立董事参与决策、监督制衡、专业咨询的作用，持续推动公司治理效能提 升，切实维护本行整体利益和股东特别是中小股东等的合法权益。现将 2023 年度履职情况报告如下： 一、基本情况 （一）工作履历、专业背景以及兼职情况 本人李正强，男，1964 年 4 月出生，毕业于北京大学光华管理学院国 民经济学专业，经济学博士，高级经济师。现任本行独立董事，对外经济 贸易大学国际经济贸易学院研究员、博士生导师，对外经济贸易大学高水 平对外开放与金融创新研究中心主任，光大永明资产管理股份 ...

证券代码：601229 证券简称：上海银行 公告编号：临2024-019 优先股代码：360029 优先股简称：上银优1 可转债代码：113042 可转债简称：上银转债 上海银行股份有限公司 2023 年度利润分配方案公告 上海银行股份有限公司（以下简称"公司"）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： 一、2023 年度利润分配方案 经普华永道中天会计师事务所（特殊普通合伙）审计，截至 2023 年 12 月 31 日，公司母公司报表中期末未分配利润为 73,114,840 千元，2023 年度母公司实 现净利润 22,787,318 千元，扣除优先股股息 804,000 千元后（含税，已于 2023 年 12 月 19 日发放），可供普通股股东分配的当年利润为 21,983,318 千元。经 公司董事会六届三十三次会议审议通过，公司拟以届时实施权益分派股权登记日 登记的普通股总股本为基数，向全体普通股股东派发 2023 年度股息。本次利润 分配方案如下： 1 ● 分配比例：每 10 股普通股派发现金股利人 ...

| 保荐机构名称： | 被保荐公司名称： | | --- | --- | | 国泰君安证券股份有限公司 | 上海银行股份有限公司 | | 保荐代表人姓名：刘登舟 | 联系方式：010-83939160 联系地址：北京市西城区金融大街甲9 | | | 号金融街中心南楼16层 | | 保荐代表人姓名：金利成 | 联系方式：021-38676486 | | | 联系地址：上海市静安区新闸路669号 | | | 博华广场36层 | 经中国证券监督管理委员会（以下简称"中国证监会"）证监许可〔2020〕 3172 号文核准，上海银行股份有限公司（以下简称"公司"）于 2021 年 1 月公 开发行总面值人民币 200 亿元的 A 股可转换公司债券（以下简称"本次可转债"）， 其中每张债券面值为人民币 100 元，共计 2 亿张，发行价格为人民币 100 元/张。 本次可转债募集资金总额为人民币 200 亿元，扣除发行费用后实际募集资金净额 为人民币 199.66 亿元。普华永道中天会计师事务所（特殊普通合伙）已于 2021 年 2 月 1 日对本次可转债募集资金到位情况进行了审验，并出具了《上海银行股 份有限公司公开发 ...

上海银行股份有限公司 2023 年度资本充足率报告 1 | | | | （四）贷款质量及贷款减值准备 15 | | --- | | | | 一、引言 （一）公司介绍 本公司注册成立于 1996 年 1 月 30 日，总部位于上海，2016 年 11 月 成为上海证券交易所主板上市公司，股票代码 601229。 本公司以"精品银行"为战略愿景，以"精诚至上，信义立行"为核 心价值观，通过推进专业化经营和精细化管理，服务能级不断增强，普惠 金融、绿色金融、民生金融、科创金融、供应链金融、跨境银行、金融市 场、财富管理、养老金融特色逐步显现。近年来，本公司把握金融科技趋 势，以更智慧、更专业的服务，不断满足企业和个人客户日趋多样化的金 融服务需求。 在英国《银行家》杂志发布的"2023 年全球银行 1000 强"榜单中， 本公司按一级资本排名第 70 位。 （二）披露依据 本报告根据原中国银行业监督管理委员会 2012 年 6 月发布的《商业 银行资本管理办法（试行）》（以下简称"《资本管理办法（试行）》"） 及相关规定编制并披露。 （三）披露声明 本报告是按照国家金融监督管理总局监管规定中资本充足率的概念 及规则 ...

2023 年度，董事会审计委员会在董事会的领导下，勤勉履职， 履行职责范围内各项工作，全年共召开 5 次会议，审议和听取 31 项 议题，议案涉及内外部审计、财务报告及定期报告、内部控制等事项。 1、积极推进财报审计，尽责审核财务信息。指导完善年度财务 报告审计计划，充分沟通外部审计进度安排、关键审计事项、具体审 计方案的合理性，明确财务报告审计重点和要求。与外部审计充分交 换意见，掌握财务报告审计工作进展，听取中期审阅及年度审计情况 报告，研究重要审计发现，督促并监督外部审计按照约定时间提交审 计报告，保障财务报告信息公允。审核年度财务报告及定期报告中的 财务信息，密切跟进宏观形势和监管政策变化，重点关注财务数据和 指标变动、监管新规实施等情况,就财务报告的真实性、准确性和完 整性发表意见，并提交董事会审议。 上海银行股份有限公司 董事会审计委员会 2023 年度履职情况报告 根据《上海证券交易所上市公司自律监管指引第 1 号——规范运 作》《上海银行股份有限公司章程》《上海银行股份有限公司董事会审 计委员会工作规则》等相关规定，上海银行股份有限公司（以下简称 "上海银行"）董事会审计委员会就 2023 年 ...

上海银行股份有限公司第六届董事会 独立董事候选人声明与承诺 本人靳庆鲁，已充分了解并同意由提名人上海银行股份有限公 司第六届董事会提名与薪酬委员会提名为上海银行股份有限公司第 六届董事会独立董事候选人。本人公开声明，本人具备独立董事任 职资格，保证不存在任何影响本人担任上海银行股份有限公司独立 董事独立性的关系，具体声明并承诺如下： 一、本人具备上市公司运作的基本知识，熟悉相关法律、行政 法规、部门规章及其他规范性文件，具有 5 年以上法律、经济、会 计、财务、管理或者其他履行独立董事职责所必需的工作经验。 本人已经参加培训并取得证券交易所认可的相关培训证明材 料。 二、本人任职资格符合下列法律、行政法规和部门规章以及公 司规章的要求： （一）《中华人民共和国公司法》关于董事任职资格的规定； （二）《中华人民共和国公务员法》关于公务员兼任职务的规定 （如适用）； （三）中国证监会《上市公司独立董事管理办法》、上海证券交 易所自律监管规则以及公司章程有关独立董事任职资格和条件的相 关规定； （四）中共中央纪委、中共中央组织部《关于规范中管干部辞 1 去公职或者退（离）休后担任上市公司、基金管理公司独立董事、 独 ...

公司代码：601229 公司简称：上海银行 上海银行股份有限公司 2023年度内部控制评价报告 上海银行股份有限公司全体股东： 根据《企业内部控制基本规范》及其配套指引的规定和其他内部控制监管要求（以下简称企业内部 控制规范体系），结合本公司（以下简称公司）内部控制制度和评价办法，在内部控制日常监督和专项 监督的基础上，我们对公司2023年12月31日（内部控制评价报告基准日）的内部控制有效性进行了评价。 一. 重要声明 按照企业内部控制规范体系的规定，建立健全和有效实施内部控制，评价其有效性，并如实披露内 部控制评价报告是公司董事会的责任。监事会对董事会建立和实施内部控制进行监督。经理层负责组织 领导企业内部控制的日常运行。公司董事会、监事会及董事、监事、高级管理人员保证本报告内容不存 在任何虚假记载、误导性陈述或重大遗漏，并对报告内容的真实性、准确性和完整性承担个别及连带法 律责任。 公司内部控制的目标是合理保证经营管理合法合规、资产安全、财务报告及相关信息真实完整，提 高经营效率和效果，促进实现发展战略。由于内部控制存在的固有局限性，故仅能为实现上述目标提供 合理保证。此外，由于情况的变化可能导致内部控 ...

Financial Performance - In 2023, Shanghai Bank achieved a net profit attributable to shareholders of 22.545 billion RMB, a year-on-year increase of 1.19%[13]. - Total operating income declined by 4.80% to CNY 50,564,474 in 2023 compared to CNY 53,112,478 in 2022[53]. - Net interest income decreased by 7.46% to CNY 35,164,078 in 2023 from CNY 38,000,189 in 2022[53]. - The net cash flow from operating activities significantly dropped by 83.96% to CNY 4,040,247 in 2023 from CNY 25,190,851 in 2022[53]. - The average return on assets decreased to 0.76% in 2023 from 0.81% in 2022[55]. - The diluted earnings per share increased by 1.48% to CNY 1.37 in 2023 from CNY 1.35 in 2022[53]. - The total operating expenses rose to 12.446 billion RMB, an increase of 1.80% year-on-year, driven by investments in digital transformation and customer service improvements[86]. Asset Quality and Risk Management - The non-performing loan ratio was 1.21%, a decrease of 0.04 percentage points from the end of the previous year[13]. - The bank's non-performing loan rate and non-performing asset rate have both decreased, reflecting effective risk management amidst external pressures[23]. - The bank's cash recovery increased by 11.15% year-on-year, with non-performing loans and financial investments accounting for 1.10% of total assets, a decrease of 0.16 percentage points from the end of the previous year[16]. - The coverage ratio for loan provisions was 272.66%, down 18.95 percentage points from the previous year[128]. - The total amount of non-performing loans is CNY 5,754,372, which is 0.42% of total customer loans and advances, a decrease from 0.63% in the previous year[146]. - The total amount of impaired loans decreased to RMB 120.25 billion, a reduction of RMB 0.14 billion from the previous year[129]. Capital and Liquidity - The capital adequacy ratio improved to 13.38%, an increase of 0.22 percentage points year-on-year[13]. - The core Tier 1 capital adequacy ratio increased to 9.53% in 2023 from 9.14% in 2022[55]. - The liquidity coverage ratio stands at 142.01%, indicating a strong liquidity position[156]. - The net stable funding ratio is 113.86% as of December 31, 2023, down from 117.06% in the previous quarter[158]. Loan Growth and Sector Focus - Loans to technology enterprises, inclusive finance, green finance, and manufacturing sectors grew by 35.08%, 36.40%, 58.12%, and 38.90% respectively compared to the previous year[14]. - The balance of new energy vehicle consumer loans increased by 204.31%, while the installment transaction volume rose by 56.04% year-on-year[14]. - Housing mortgage loan issuance in Shanghai increased by 17.05% year-on-year[14]. - The balance of loans to technology enterprises reached RMB 140.317 billion, an increase of 35.08% compared to the previous year[166]. - The balance of green loans was RMB 103.363 billion, reflecting a growth of 58.12% year-on-year[166]. - The balance of inclusive finance loans stood at RMB 146.254 billion, showing a year-on-year increase of 36.40%[166]. Digital Transformation and Innovation - Financial technology investment grew by 14.54% year-on-year, accounting for 4.98% of operating income, with over 10% of personnel dedicated to financial technology[15]. - The bank has enhanced its digital services, including the upgrade of mobile banking to version 8.0 and the introduction of smart services like "metaverse banking" and digital employee services[15]. - The bank's focus on digital transformation is expected to drive cost reduction, value creation, and high-quality development, aligning with national financial goals[22]. - The company is enhancing its digital transformation efforts to improve customer experience and product service quality[35]. - The company has built a digital middle platform to enhance the efficiency of external cooperation and improve online product and service integration[41]. Strategic Initiatives and Customer Focus - The bank aims to deepen customer management and enhance its competitive advantage by implementing a tiered customer management system and integrating multi-channel operations[18]. - The bank continues to support national development strategies and regional economic growth, focusing on key areas such as the Yangtze River Delta and the Greater Bay Area[14]. - The bank's strategic focus includes enhancing its service offerings for the elderly, creating a comprehensive service ecosystem for approximately 1.6 million senior clients[22]. - The company aims to optimize resource allocation and improve operational efficiency through refined management practices[27]. - The company plans to deepen its three-year development strategy (2024-2026) with a focus on customer operations, digital transformation, and organizational capacity building[35]. Awards and Recognition - The company has been recognized in various awards, including the "2023 Global Bank 1000" ranking, where it was placed 70th based on tier-one capital[45]. - The company has received a long-term issuer rating of "Baa2" and a stable outlook from Moody's Investors Service[44].