Financial Performance - Net profit attributable to shareholders for Q3 2023 was RMB 9,800 million, representing a year-on-year increase of 7.22%[5] - The net profit attributable to shareholders for the first three quarters of 2023 was CNY 33.577 billion, a decrease of CNY 0.0201 billion, representing a decline of 0.60% year-on-year[17] - Basic earnings per share for Q3 2023 were RMB 0.21, up 10.53% year-on-year[5] - Basic earnings per share for the first nine months of 2023 were RMB 0.67, compared to RMB 0.68 in the same period of 2022[55] - The group's operating income for the first nine months of 2023 was RMB 106,304 million, a decrease of 1.2% compared to RMB 108,596 million in the same period of 2022[53] - The group's investment income for the first nine months of 2023 was RMB 11,513 million, up from RMB 10,005 million in the same period of 2022, representing an increase of 15.1%[53] Asset Quality - Non-performing loans totaled RMB 68,015 million, showing a decrease of 1.98% from the previous year[4] - The non-performing loan ratio improved to 1.55%, down from 1.68% at the end of 2022, indicating better asset quality[4] - The provision coverage ratio improved to 149.21%, up from 142.49% at the end of 2022, enhancing risk management[4] - The non-performing loan (NPL) amount decreased to RMB 68.02 billion, down by RMB 1.98% from RMB 69.39 billion, with an NPL ratio of 1.55%, a decrease of 0.13 percentage points[40] - The coverage ratio for provisions increased to 149.21%, up by 6.72 percentage points from the previous year[39] Loans and Advances - Total loans and advances amounted to RMB 4,383,813 million, reflecting a growth of 5.86% year-on-year[4] - The balance of general corporate loans was CNY 2,343.031 billion, an increase of CNY 193.222 billion, representing a growth of 8.99% year-on-year[20] - The balance of loans to small and medium-sized enterprises surrounding the basic customer group was 804.495 billion yuan, up 17.37% from the end of the previous year[21] - The total loan amount as of September 30, 2023, is RMB 4,383.81 billion, an increase of 5.86% compared to RMB 4,141.14 billion at the end of December 2022[40] Customer Deposits - Customer deposits increased to RMB 4,226,402 million, a rise of 5.83% from the previous year[4] - The average daily balance of settlement customers' general deposits was 1.277477 trillion yuan, an increase of 16.38% year-on-year[22] - Corporate deposits stood at CNY 3,021.190 billion, up CNY 70.055 billion, a growth of 2.37% year-on-year[20] Cash Flow - The net cash flow from operating activities reached RMB 123,537 million in the first nine months of 2023, a significant recovery from a negative RMB 12,878 million in the same period of 2022[10] - The cash inflow from operating activities totaled RMB 567,192 million, an increase of 36.5% from RMB 415,501 million in the previous year[56] - The cash inflow from financing activities was RMB 565,045 million, a decrease of 8.5% compared to RMB 617,721 million in the previous year[58] - The total cash and cash equivalents at the end of the period reached RMB 208,794 million, significantly up from RMB 75,900 million at the end of the previous year[59] Shareholder Information - The number of ordinary shareholders totaled 349,024 as of the end of the reporting period, with 331,159 A-share holders and 17,865 H-share holders[11] - The top ten ordinary shareholders collectively hold 60.69% of the total shares, with the largest shareholder, Hong Kong Central Clearing Limited, owning 18.92%[12] - The proportion of shares held by the top ten preferred shareholders is 56.67%, with the largest holding being 20 million shares, representing 10%[14] Digital Transformation and Innovation - The digital transformation strategy has been accelerated, focusing on technology planning and data strategy implementation to support high-quality business development[34] - The company is advancing its digital transformation with a focus on cloud-native hybrid deployment and enhancing resource utilization[37] - The digital marketing system was enhanced with the establishment of a corporate WeChat wealth workbench, enabling multi-channel marketing and precise customer targeting[36] Risk Management - The company is committed to improving risk management capabilities, with a focus on enhancing the internal control system and asset quality[39] - The intelligent risk control system was upgraded, improving the efficiency of credit decision-making and risk detection for small and micro enterprises[36] - A dedicated service team for small and micro enterprises has been established with over 600 personnel across 31 branches, enhancing customer service capabilities[29] Retail Business - The retail business revenue for the first three quarters was 46.740 billion yuan, a decrease of 6.69% year-on-year, accounting for 46.88% of total revenue[23] - The total assets managed for retail customers reached 2.709213 trillion yuan, an increase of 140.286 billion yuan from the end of the previous year[24] - The total amount of retail loans (including credit card overdrafts) was 1.885973 trillion yuan, an increase of 86.815 billion yuan from the end of the previous year[24] - The number of retail customers increased by 6.2598 million to 128.0921 million[24] Awards and Recognition - The company has been recognized as the "Best Asset Custody Bank" by the Financial Times and received the "Outstanding Asset Custody Bank" award from the Securities Times in 2023[33]

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：2023-058 中国民生银行股份有限公司 第八届监事会第十八次会议决议公告 本行监事会及监事会全体成员保证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（简称"本行"）第八届监事会第十八次会议以 书面传签方式召开，表决截止日期为 2023 年 10 月 30 日。会议通知、会议文件 于 2023 年 10 月 18 日以电子邮件方式发出。向监事发出表决票 8 份，收回 8 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，表决所形成的决议合法、有效。 1.公司 2023 年第三季度报告的编制和审议程序符合法律、行政法规、规范 性文件及《公司章程》的规定。 2.公司严格按照企业会计准则、企业会计制度和金融企业会计制度规范运 作，公司 2023 年第三季度报告公允地反映了公司本报告期的财务状况和经营成 果。 3.在监事会提出本意见前，未发现参与 2023 年第三季度报告编制和审议的 人员有违反保密规 ...

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 中国民生银行股份有限公司（以下简称"本行"）第八届董事会第四十一次会 议以书面传签方式召开，表决截止日期为 2023 年 10 月 30 日。会议通知、会议文件 于 2023 年 10 月 16 日以电子邮件方式发出。向董事发出表决票 16 份，收回 16 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： 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：2023-057 第八届董事会第四十一次会议决议公告 1. 关于《中国民生银行 2023 年第三季度报告》的决议 本行 2023 年第三季度报告详见上海证券交易所网站及本行网站。 议案表决情况：同意 16 票，反对 0 票，弃权 0 票。 2. 关于中国民生银行 2022 年国内系统重要性银行评估指标的决议 议案表决情况：同意 16 票，反对 0 票，弃权 0 票 ...

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：2023-056 会议召开方式：上证路演中心网络互动 投资者可于 2023 年 10 月 30 日（星期一）16:00 前登录上证路演中心网站首 页，点击"提问预征集"栏目或通过中国民生银行股份有限公司（以下简称"本行"） 邮箱 cmbc@cmbc.com.cn 进行提问，或在会议召开时提问。本行将在 2023 年第三季 度业绩说明会（以下简称"业绩说明会"）上对投资者普遍关注的问题进行回答。 一、业绩说明会类型 为了便于广大投资者更全面深入地了解本行 2023 年第三季度业绩和经营情况， 本行拟通过网络互动方式召开业绩说明会，就投资者普遍关心的问题进行交流。 二、业绩说明会召开的时间、方式 （一）会议召开时间：2023 年 10 月 31 日（星期二）15:00 - 16:00 中国民生银行股份有限公司 关于召开 2023 年第三季度业绩说明会的公告 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。 重要内容提示： （网址：ht ...

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：2023-055 统筹考虑本行有关独立董事任满离任安排、新任独立董事人选专业背景和工作履历等因素， 独立董事刘纪鹏先生在本行任期已满六年，不再继续履职。本行董事会对刘纪鹏先生任职期间对 本行做出的贡献，特别是在带领薪酬与考核委员会履职、推动完善公司治理、持续推进董事会依 法合规运行等方面给予董事会宝贵意见，表示衷心感谢。 根据第八届董事会第四次临时会议《关于调整本行第八届董事会专门委员会主席及成员的决 议》，杨志威先生任薪酬与考核委员会主席，并担任提名委员会委员。杨志威先生的简历请见本 行于 2022 年 10 月 29 日刊载于《中国证券报》《上海证券报》《证券时报》、上海证券交易所网站 （www.sse.com.cn）及本行网站（www.cmbc.com.cn）的《中国民生银行股份有限公司第八届董 事会第二十八次会议决议公告》。 特此公告 中国民生银行股份有限公司 关于独立董事任职资格获国家金融监督管理总局核准的公告 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 ...

董事會會議召開日期 中國民生銀行股份有限公司（「本行」）董事會（「董事會」）茲通告謹定於2023年10 月30日（星期一）舉行董事會會議，藉以（其中包括）審議及批准刊發本行及其附 屬公司截至2023年9月30日止九個月之業績公告。 承董事會命 中國民生銀行股份有限公司 董事長 高迎欣 香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其準確性 或完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何部分內容而產生或因倚 賴該等內容而引致的任何損失承擔任何責任。 中國民生銀行股份有限公司 CHINA MINSHENG BANKING CORP., LTD. （在中華人民共和國註冊成立的股份有限公司） （股份代號：01988） 中國，北京 2023年10月16日 於本公告日期，本行執行董事為高迎欣先生、鄭萬春先生及袁桂軍先生；非執行 董事為張宏偉先生、盧志強先生、劉永好先生、史玉柱先生、吳迪先生、宋春風 先生、楊曉靈先生及趙鵬先生；獨立非執行董事為劉紀鵬先生、解植春先生、彭 雪峰先生、曲新久先生、溫秋菊女士及宋煥政先生。 ...

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：2023-054 中国民生银行股份有限公司 关于诉讼事项进展的公告 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。 重要内容提示： 涉案的金额：武汉中央商务区股份有限公司向本行借款本金人民币 30.46 亿元及相应的利息、逾期罚息、复利等。 是否会对上市公司产生影响：本次公告涉及的诉讼是本行为维护自身合 法权益所采取的措施，不会对本行正常经营活动产生重大不利影响。 一、本次诉讼起诉的基本情况 2023年1月19日，中国民生银行股份有限公司（以下简称"本行"）北京分 行（以下简称"北京分行"）以金融借款合同纠纷为由，对武汉中心大厦开发投 资有限公司（以下简称"武汉中心公司"）、武汉中央商务区股份有限公司（以 下简称"武汉中央公司"）、泛海控股股份有限公司（以下简称"泛海控股"） 及卢志强先生提起诉讼。具体内容详见《中国民生银行股份有限公司关于诉讼事 项的公告》（编号：2023-007），上述公告于2023年1月20日分别刊登在上海 ...

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：2023-052 中国民生银行股份有限公司 境内优先股股息派发实施公告 本行董事会及董事会全体成员保证公告内容不存在虚假记载、误导性陈述或 者重大遗漏，并对其内容的真实、准确和完整承担法律责任。 重要内容提示： 7. 发放金额：按照境内优先股票面股息率 4.38%计算，每股优先股派发现金股 息人民币 4.38 元（含税）。以境内优先股发行量 2 亿股为基数，本行本次派发现金股 息共计人民币 8.76 亿元（含税）。 8. 扣税情况：对于属于《中华人民共和国企业所得税法》规定的居民企业股东 （含机构投资者），其现金股息所得税由其自行缴纳，本行向其每股优先股实际派发 现金股息人民币 4.38 元。其他股东现金股息所得税的缴纳，根据相关规定执行。若 派息前相关税法规定变动，以最新规定为准。 一、通过境内优先股股息分配方案的董事会会议情况 中国民生银行股份有限公司（以下简称"本行"）于 2016 年 2 月 1 日召开的 2016 年第一次临时股东大会、2016 年第一次 A 股类别股东大会和 2016 年第一次 H ...

卢志强副董事长在本行董事会的表决权受到限制。 特此公告 本行董事会及董事会全体成员保证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（以下简称"本行"）第八届董事会第四十次会议 于 2023 年 9 月 26 日在北京以现场方式召开，会议通知、会议文件于 2023 年 9 月 12 日以电子邮件方式发出。会议由高迎欣董事长召集并主持。会议应到董事 18 名， 现场出席董事 7 名，董事长高迎欣，副董事长郑万春，董事杨晓灵、赵鹏、温秋菊、 宋焕政、袁桂军现场出席会议；电话/视频连线出席董事 11 名，副董事长张宏伟、卢 志强、刘永好，董事史玉柱、吴迪、宋春风、翁振杰、刘纪鹏、解植春、彭雪峰、曲 新久通过电话/视频连线参加会议。应列席本次会议的监事 8 名，实际列席 8 名。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： 关于中国民生银行 2023 年第三季度呆账核销的决议 议案表决情况：同意 16 票，反对 0 票，弃权 0 票。 证券简称：民生银 ...

Financial Performance - Operating income for the first half of 2023 was RMB 69,868 million, a decrease of 3.94% compared to RMB 72,736 million in the same period of 2022[17]. - Net interest income decreased by 6.36% to RMB 51,334 million from RMB 54,823 million year-on-year[17]. - Non-interest income increased by 3.47% to RMB 18,534 million compared to RMB 17,913 million in the previous year[17]. - The net profit attributable to shareholders was RMB 23,777 million, down 3.49% from RMB 24,638 million in the same period last year[17]. - Total assets as of June 30, 2023, reached RMB 7,641,451 million, reflecting a growth of 5.32% from RMB 7,255,673 million at the end of 2022[18]. - Total loans and advances increased by 6.03% to RMB 4,390,942 million from RMB 4,141,144 million at the end of 2022[18]. - The non-performing loan ratio improved to 1.57% from 1.68% at the end of 2022, indicating better asset quality[18]. - The capital adequacy ratio decreased to 12.69% from 13.14% at the end of 2022, reflecting a slight decline in capital strength[18]. Strategic Focus and Development - The company aims to be a first-class commercial bank characterized by distinctive features, continuous innovation, value growth, and stable operations[5]. - The strategic period from 2021 to 2025 is divided into two phases: the foundational phase (2021-2022) and the continuous growth phase (2023-2025)[5]. - The company emphasizes high-quality development as its primary task and focuses on customer, industry, product, and resource allocation[7]. - The company plans to enhance asset allocation and improve liability quality to achieve breakthroughs in these areas[7]. - The bank focuses on high-quality development through a "four-wheel drive" strategy, emphasizing deep engagement with key customer segments and innovative digital ecosystems[8]. - The bank aims to enhance financial support for private enterprises, small and micro businesses, and retail customers, aligning with its mission to serve the public and improve livelihoods[9]. - The bank is committed to building a "simple, pragmatic, and efficient" corporate culture to enhance cohesion for high-quality development[10]. Risk Management - The company has no foreseeable major risks, as stated in the risk management section of the report[2]. - The bank is committed to risk management enhancement, implementing differentiated authorization and process optimization to improve risk control effectiveness[9]. - The bank has established a comprehensive credit risk management mechanism covering pre-loan investigation, in-loan review, and post-loan management, ensuring effective risk control[162]. - The bank has optimized its credit policies in the real estate sector, focusing on supporting ordinary housing demand and improving customer structure[163]. - The bank has upgraded its risk control system, including the launch of automated rating processes for low-risk businesses and the optimization of monitoring and warning systems[164]. Digital Transformation - The bank is accelerating its digital transformation, aiming to improve service quality and efficiency through data empowerment and smart banking initiatives[9]. - The bank's digital strategy for 2023-2025 has been outlined, emphasizing the importance of top-level design and planning for digital transformation[139]. - The bank has implemented a digital service platform for small and micro enterprises, integrating various services such as personnel management and financial management to support their digital transformation[141]. - The bank's focus on digital transformation for institutional clients has strengthened its service capabilities and addressed key customer pain points[111]. Customer Engagement and Services - The bank is restructuring its customer journey and establishing a regular process management mechanism to ensure integrated service delivery across all channels[10]. - The bank's retail banking distribution network now covers 138 cities in mainland China, with a total of 1,238 branch outlets[130]. - The total number of credit cards issued reached 70.08 million, an increase of 2.80% compared to the end of the previous year[124]. - The number of retail customers reached 3,126,323.6 thousand, an increase of 3.69% year-on-year[122]. - The bank's community financial services have expanded to cover 132 cities, with community customer financial assets reaching CNY 407.899 billion, an increase of CNY 25.075 billion from the previous year[131]. Shareholder Information - The total number of ordinary shares as of June 30, 2023, is 43,782,418,502, with no changes during the reporting period[179]. - The largest shareholder, Hong Kong Central Clearing Limited, holds 18.92% of the shares, totaling 8,285,688,674 shares, with an increase of 337,820 shares during the reporting period[182]. - The company has not issued any new shares or made any changes to the structure of its ordinary shares during the reporting period[180]. - The shareholding structure indicates no single shareholder can control more than half of the voting rights in the board of directors or shareholders' meetings[188]. Financial Products and Innovations - The bank launched the "Tax Fee Pass" product, which has signed over 10,000 customers and completed 2,679 transactions since its launch in April[116]. - The bank's "Business Finance Express" product has reached 12,600 signed customers, enhancing reimbursement processes for enterprises[116]. - The bank's green credit balance reached 243.72 billion yuan, a year-on-year increase of 35.47%, outpacing the average growth rate of all loans[112]. - The cumulative credit issued for the "Minsheng Hui" credit loan product exceeded CNY 1.8 billion, with a loan balance surpassing CNY 1 billion since its launch in 2023[127]. Economic and Market Conditions - The bank faces challenges including insufficient domestic demand and geopolitical risks affecting economic development[178]. - The bank's strategy for the second half of 2023 includes a focus on risk control and compliance with national policies to support high-quality economic development[178]. - The bank continues to support key sectors such as inclusive finance, green development, and infrastructure construction to stimulate domestic demand[26].