| 证券代码：601229 | 证券简称：上海银行 | 公告编号：临 2023-038 | | --- | --- | --- | | 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 关于参加 2023 年上海辖区上市公司集体接待日暨 中报业绩说明会的公告 2 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。 为进一步加强与广大投资者的互动交流，公司将参加由上海证监局、上海上 市公司协会与深圳市全景网络有限公司联合举办的"2023 年上海辖区上市公司 集体接待日暨中报业绩说明会"活动，现将相关事项公告如下： 本次活动将采用网络远程的方式举行，投资者可登录"全景路演"网站 （http://rs.p5w.net/），或下载全景路演 APP，参与本次互动交流，活动时间 为 2023 年 9 月 7 日（周四）15:00-16:30。届时公司副董事长、行长朱健先生， 副行长兼首席财务官施红敏先生，副行长 ...

Financial Performance - The bank's financial report for the first half of 2023 was reviewed and approved by the board on August 25, 2023, with 17 out of 18 directors present[5]. - The bank reported a stable growth in assets and liabilities, with an improvement in credit asset quality and profitability, although the net interest margin continued to narrow[19]. - The company's net interest income for the first half of 2023 was CNY 18,129,786, a decrease of 10.38% compared to CNY 20,229,354 in the same period of 2022[30]. - The net profit for the first half of 2023 was CNY 12,854,890, reflecting a slight increase of 1.27% from CNY 12,693,556 in the first half of 2022[30]. - Operating income was RMB 26.36 billion, a decrease of 5.66% year-on-year[44]. - The total profit before tax was 14.70 billion RMB, reflecting a year-on-year increase of 7.64%[46]. - The company reported a significant decline in cash flow from operating activities, with a net cash flow of -CNY 5,035,704 compared to CNY 37,886,069 in the first half of 2022, a decrease of 113.29%[30]. - The company achieved a net profit attributable to shareholders of 12.83 billion RMB, a year-on-year increase of 1.27%[46]. - The total amount of customer loans and advances is RMB 1,359.14 billion, an increase of RMB 54.55 billion, or 4.18% year-on-year[154]. Asset Quality and Risk Management - The bank's management has taken various measures to effectively manage and control operational risks, including credit, market, liquidity, and operational risks[8]. - The company's non-performing loan ratio improved, with credit impairment losses decreasing by 38.05% to CNY 5,445,369 compared to CNY 8,789,260 in the first half of 2022[30]. - The non-performing loan ratio improved to 1.22%, down 0.03 percentage points from the end of the previous year[44]. - The company plans to continue enhancing risk management capabilities and maintain stable asset quality in personal loans despite slight increases in non-performing rates in certain segments[112]. - The overdue loans ratio for loans overdue for more than 90 days was 98.61%, a decrease of 2.49 percentage points from the end of the previous year[127]. Digital Transformation and Innovation - The bank is accelerating its digital transformation to improve operational management capabilities and adapt to industry upgrades[19]. - The company is focusing on digital transformation, enhancing customer experience, and optimizing product services through technology investments and talent acquisition[27]. - The company launched 11 new post-loan audit models based on NLP technology, enhancing post-loan risk management capabilities[160]. - The company has accelerated the digital transformation of its custody business, enhancing automation and intelligence through technologies like RPA and OCR, improving operational efficiency[194]. Strategic Focus and Market Position - The bank is focusing on supporting the real economy, optimizing its business structure, and enhancing profitability while managing risks effectively[20]. - The bank's future outlook remains positive, supported by the resilience and potential of the Chinese economy despite challenges such as insufficient domestic demand and complex external environments[19]. - The company aims to enhance its core competitiveness through a well-structured strategic management system and a focus on sustainable development[25]. - The company is expanding its market presence in key regions, including the Yangtze River Delta and Greater Bay Area, aligning with national regional development strategies[26]. Capital and Liquidity - Capital adequacy ratio stood at 13.06%, meeting regulatory requirements[44]. - The bank's liquidity ratio was 72.98%, significantly above the regulatory minimum of 25%[37]. - The liquidity coverage ratio stood at 145.62% as of June 30, 2023, indicating a strong liquidity position[139]. - The net stable funding ratio was 115.68% as of June 30, 2023, reflecting a stable funding structure[141]. Customer and Loan Growth - The total amount of customer deposits was CNY 1,635.79 billion, with demand deposits accounting for 31.26% and time deposits for 36.05%[101]. - The balance of corporate loans and advances in RMB increased to ¥792.01 billion, reflecting a growth of 9.68%[167]. - The balance of inclusive finance loans was CNY 124.190 billion, with a customer count of 334,600, reflecting a year-on-year growth of 15.94% in loan balance and 33.91% in customer count[166]. - The balance of green loans surged to ¥88.96 billion, a remarkable growth of 36.08% compared to the previous year[171]. Income and Expense Management - The company reported a significant reduction in operating expenses by 19.05% to 11.57 billion RMB[46]. - The income tax expense for the period was RMB 1.842 billion, an increase of 91.75% year-on-year, primarily due to an increase in total profit and a decrease in tax-exempt income[71]. - The company's investment income decreased by 49.57% to CNY 2,035,075 thousand, impacted by changes in fair value and exchange rate fluctuations[107]. Recognition and Rankings - The company has been recognized in the "2023 Global Bank 1000" ranking, placing 70th by Tier 1 capital and 77th by total assets[23].

证券代码：601229 证券简称：上海银行 公告编号：临2023-035 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 董事会六届二十八次会议决议公告 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。 公司董事会六届二十八次会议于 2023 年 8 月 25 日以现场加视频接入方式 召开，会议通知已于 2023 年 8 月 15 日以电子邮件方式发出。本次会议应出席董 事 18 人，实际出席董事 17 人，顾金山非执行董事委托甘湘南非执行董事代为出 席并表决。本次会议的召开符合《中华人民共和国公司法》《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议事规则》的规定。 本次会议由金煜董事长主持，会议经审议并通过以下议案： 一、关于更新《恢复计划》与《处置计划建议》的议案 四、关于同城数据中心扩容外包的议案 表决情况：同意 18 票，反对 0 票，弃权 0 票。 五、关于 2023 年上半年合规风险管理自我评估报告的 ...

国泰君安证券股份有限公司 关于上海银行股份有限公司关联交易事项的专项核查意见 国泰君安证券股份有限公司（以下简称"保荐机构"）作为上海银行股份有 限公司（以下简称"公司"）持续督导的保荐机构，根据《证券发行上市保荐业 务管理办法》《上海证券交易所股票上市规则》《上海证券交易所上市公司自律 监管指引第11号——持续督导》等法律、法规及规范性文件的要求，对公司关联 交易事项进行了认真、审慎的核查，核查情况如下： 一、关联交易概述 经公司董事会六届二十二次会议审议通过，同意给予上海垣信卫星科技有限 公司（以下简称"垣信卫星"）不超过等值人民币 16 亿元授信额度，用于流动 资金贷款、固定资产贷款业务，授信期限不长于 3 年，担保方式为保证担保。 经公司董事会六届二十八次会议审议通过，同意调整垣信卫星贷款利率，授 信金额及额度有效期不变。 垣信卫星为公司主要股东上海联和投资有限公司的控股子公司，因此垣信卫 星属于公司银保监规则关联方，本次交易构成关联交易。 本次关联交易不构成《上市公司重大资产重组管理办法》规定的重大资产重 组。 二、关联方介绍 （一）关联关系介绍 垣信卫星为公司主要股东上海联和投资有限公司的控股子公 ...

证券代码：601229 证券简称：上海银行 公告编号：临 2023-037 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 关于关联交易事项的公告 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： 交易内容： 经公司董事会六届二十八次会议审议通过，同意调整上海垣信卫星科技有限 公司（以下简称"垣信卫星"）贷款利率，授信金额及额度有效期不变。 回避表决事宜： 关联董事叶峻先生、应晓明先生对垣信卫星关联授信贷款利率调整事项回避 表决。 上述关联交易属于公司日常业务经营中的正常授信业务，对公司的正常 经营活动及财务状况不构成重要影响。 一、关联交易概述 经公司董事会六届二十二次会议审议通过，同意给予垣信卫星不超过等值人 民币 16 亿元授信额度，用于流动资金贷款、固定资产贷款业务，授信期限不长 于 3 年，担保方式为保证担保。 经公司董事会六届二十八次会议审议通过，同意调整垣信卫星贷款利率，授 信金额及额度有效期 ...

独立董事关于关联交易的事前认可声明 上海银行股份有限公司 上海银行股份有限公司独立董事 李正强、杨德红、孙铮、董煜、肖微、薛云奎 1 根据法律、行政法规、监管部门规章及规范性文件，以及《上海银行股份有 限公司章程》和《上海银行关联交易管理办法》等有关规定，作为上海银行股份 有限公司（以下简称"公司"）的独立董事，我们对公司《关于与上海垣信卫星 科技有限公司关联交易的议案》进行了事前审阅，基于独立客观的立场，本着审 慎负责的态度，发表事前认可意见如下： 一、公司对上海垣信卫星科技有限公司不超过等值人民币 16 亿元贷款利率 调整的关联交易事项属于公司正常授信业务，对公司正常经营活动及财务状况不 会造成重大影响，符合国家有关法律、法规和政策的规定，不存在损害公司、股 东，特别是中小股东的利益的情形。 二、同意将《关于与上海垣信卫星科技有限公司关联交易的议案》提交公司 董事会审议。 ...

上海银行股份有限公司（以下简称"公司"）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。 公司监事会六届十八次会议于 2023 年 8 月 25 日以现场加视频接入方式召 开， 会议通知已于 2023 年 8 月 15 日以电子邮件方式发出。本次会议应出席监事 5 人,实际出席监事 5 人。本次会议的召开符合《中华人民共和国公司法》《上海银 行股份有限公司章程》《上海银行股份有限公司监事会议事规则》的规定。 本次会议由贾锐军监事会主席主持，会议经审议并通过以下议案： 关于 2023 年半年度报告及摘要的议案 表决情况：同意 5 票，反对 0 票，弃权 0 票。 证券代码：601229 证券简称：上海银行 公告编号：临2023-036 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 监事会六届十八次会议决议公告 特此公告。 1 监事会对公司 2023 年半年度报告及摘要进行了审议，并出具如下审核意见： 公司 2023 年半年度报告及摘要的编制和审议程序符合国家法律、 ...

上海银行股份有限公司股权管理基本规定（2023 年版） 第一章 总 则 第一条 为规范上海银行股份有限公司（以下简称本行）股权管理， 维护股东的合法利益，根据《中华人民共和国公司法》《中华人民共和国 商业银行法》《商业银行股权管理暂行办法》《银行保险机构大股东行为 监管办法（试行）》《中国银监会关于加强商业银行股权质押管理的通知》 《中国银保监会办公厅关于进一步加强银行保险机构股东承诺管理有关 事项的通知》《中国银保监会办公厅关于加强银行保险机构股权和关联交 易数据治理的通知》等有关规定和本行《公司章程》，制定本规定。 第二条 本规定适用于持有本行普通股股份（以下简称股份）的所有 股东及本行普通股股权管理，优先股股东和优先股股权管理适用相关法律 法规。 第三条 本行股权管理应当遵循分类管理、资质优良、关系清晰、权 责明确、公开透明的原则。 第四条 本行股份已按照监管规定全部登记于中国证券登记结算有 限责任公司上海分公司（以下简称中国结算），对于已确认证券账户持有 人的股份，其登记、变更等一切相关行为均应遵循中国结算相关规定。 股东与其关联方、一致行动人的持股比例合并计算。 第八条 本行股东应当严格按照法律法规 ...

上海银行股份有限公司董事会 2023 年 8 月 11 日 1 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。 公司董事会六届二十七次会议于 2023 年 8 月 10 日以书面传签方式召开，会 议通知已于 2023 年 8 月 3 日以电子邮件方式发出。本次会议应参加表决董事 18 人，实际参加表决董事 18 人。本次会议的召开符合《中华人民共和国公司法》 《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议事规则》的规 定。 会议经审议并通过以下议案： 关于 2023 年上半年资本充足率报告的议案 表决情况：同意 18 票，反对 0 票，弃权 0 票。 会议批准在公司网站披露 2023 年上半年资本充足率报告。 特此公告。 证券代码：601229 证券简称：上海银行 公告编号：临2023-034 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 董事会六届二十七次会议决议公告 ...

Financial Performance - In 2022, Shanghai Bank achieved a net profit attributable to shareholders of 22.08 billion RMB, a year-on-year increase of 1.08%[8]. - Total operating income for 2022 was RMB 53,112,478, down 5.54% from RMB 56,229,904 in 2021[33]. - Net profit for 2022 reached RMB 22,317,928, reflecting a 1.08% increase compared to RMB 22,080,368 in 2021[33]. - The average return on assets for 2022 was 0.81%, down from 0.86% in 2021[34]. - The weighted average return on equity for ordinary shareholders was 11.00% in 2022, a decrease of 0.80 percentage points from 11.80% in 2021[34]. - Operating income was RMB 53.11 billion, a decrease of 5.54% year-on-year[44]. - The company reported a net cash flow from operating activities of RMB 25,190,851 in 2022, a significant recovery from a negative cash flow in 2021[33]. - The company reported a total operating revenue of RMB 53,112.48 million, a decrease of RMB 31.17 million or 5.54% year-on-year[46]. Asset and Liability Management - Total assets reached 2,878.53 billion RMB, growing by 8.49% compared to the previous year[8]. - The year-end equity attributable to shareholders was 221.05 billion RMB, up 7.72% from the end of the previous year[8]. - The total liabilities of the group reached RMB 2,656.88 billion, an increase of RMB 209.45 billion, representing a growth rate of 8.56% compared to the previous year[82]. - The capital adequacy ratio improved to 13.16% as of December 31, 2022, up from 12.16% in 2021[36]. - The company optimized its liability structure, reducing interbank liabilities and increasing the stability of its funding sources[84]. - The total deposits increased to RMB 1,571,456,429 in 2022, reflecting an 8.34% growth from RMB 1,450,430,492 in 2021[35]. Loan and Credit Quality - The non-performing loan ratio remained stable at 1.25%, unchanged from the previous year[8]. - The overdue non-performing loan ratio decreased by 30 percentage points compared to the end of the previous year[9]. - The total customer loans and advances amounted to RMB 1,304.59 billion, an increase of RMB 80.85 billion, or 6.61% year-on-year[128]. - The non-performing loan balance decreased to RMB 12.04 billion, down 1.82% from the previous year, with a non-performing loan ratio of 1.56%, a decrease of 0.11 percentage points[95]. - The company has improved its risk management measures, focusing on value customer management and asset structure adjustment to maintain stable asset quality in retail loans[96]. - The provision coverage ratio decreased by 9.52 percentage points to 291.61%[94]. Digital Transformation and Innovation - The bank is committed to digital transformation, aiming to improve operational efficiency and customer service through data-driven management[14]. - Financial technology personnel increased by 16.78% year-on-year, with total financial technology investment growing by 15.06%, accounting for an increase of 0.82 percentage points in operating revenue[10]. - The company launched the "Spark" innovation incubation platform, successfully transforming 16 innovative ideas into tangible results during the reporting period[179]. - The company enhanced its digital operation system, reaching over 90 million customer touchpoints with improved strategy response rates[180]. - The company launched innovative custody products, including mixed valuation funds and MSCI index funds, enhancing its service offerings in key sectors[160]. Support for Economic Development - The bank is committed to supporting key sectors of the national economy and adjusting its business structure to align with economic development strategies[8]. - The bank's strategy includes a focus on green finance and supporting national green industry development[10]. - The company has increased its support for inclusive finance, green finance, and technology innovation finance, optimizing its business structure in response to macroeconomic adjustments[199]. - The company plans to continue supporting national strategic planning and regional economic development, particularly in the Yangtze River Delta and Guangdong-Hong Kong-Macau regions[100]. Customer and Market Position - The company maintains a leading market share in deposits and loans in the Shanghai region, with a solid customer and branch foundation[26]. - The bank's inclusive finance business scale exceeded 100 billion yuan, with significant growth in housing mortgage loans, ranking first among Chinese banks in Shanghai[27]. - The retail customer base expanded to 20.64 million, a growth of 6.10% year-on-year, with total retail customer assets under management (AUM) increasing by 7.40% to CNY 968.14 billion[163]. - The company had a total of 273,200 customers, an increase of 15,100 customers or 5.83% from the previous year[135]. Awards and Recognition - The bank received a long-term issuer rating of "Baa2" and a stable outlook from Moody's Investors Service[28]. - The bank ranked 68th in the "2022 Global Bank 1000" list by The Banker magazine based on tier 1 capital[29]. - The bank was awarded multiple honors, including "Best Private Bank" in the city/rural commercial bank category by Asian Private Banker magazine[31].