中国民生银行 2023 年度业绩交流会问答实录 （根据录音整理） 会议时间：2024 年 3 月 29 日 10:00 - 12:00 会议方式：现场会议+网络直播 民生银行参会人员： 现场出席人员：董事长高迎欣，行长（代为履职）王晓永， 副行长石杰，副行长兼董事会秘书李彬， 副行长林云山，党委委员黄红日， 首席信息官张斌 线上参会人员：独立董事宋焕政、独立董事杨志威 外部参会人员：投资者、分析师、媒体记者 一、高迎欣董事长介绍战略实施情况 大家早上好。借此机会，感谢各位分析师、投资者和新闻界 各位朋友对民生银行各项事业的关心和支持。 刚才李彬副行长对 2023 年度业绩作了全面、简要回顾，从 财务数据看，本行取得了相对平稳的业绩，这也是近几年坚定保 持战略定力、推进战略实施的成果。我们在客户结构、经营模式、 我们顺利完成不良及问题资产清收处置三年规划目标，三年处置 近 4000 亿元，存量不良及问题资产得到较好处置，资产质量持 续稳固向好。实现不良贷款额、不良贷款率、不良贷款生成率三 降，特别是不良贷款生成率连续三年稳步下降；公司、小微、按 揭及消贷业务的不良贷款生成率均同比下降。 未来，我们将继续在以下四 ...

Investment Rating - The report maintains an "Accumulate" rating for the company [1][6]. Core Views - The company's asset quality remains stable, with a continuous decline in non-performing loan generation rate for three consecutive years. As of the end of 2023, the loan non-performing rate decreased by 20 basis points to 1.48%, achieving a dual decline in non-performing amount/rate for five consecutive quarters. The non-performing loan generation rate is 1.58%, down 43 basis points year-on-year [5][6]. - The dividend payout ratio remains relatively stable, with a per-share dividend of 0.216 yuan in 2023, compared to 0.214 yuan in 2022, maintaining a cash dividend ratio of 30.02% [6]. - The company has adjusted its earnings per share (EPS) forecasts slightly for 2024 and 2025 to 0.82 yuan and 0.83 yuan, respectively, with an estimated net asset value per share of 12.69 yuan by the end of 2024. Based on the closing price on March 28, 2024, the corresponding price-to-book (PB) ratio for the end of 2024 is 0.32 times [6]. Summary by Sections Performance Overview - The company shows signs of recovery, with a revenue decline of 1.2% and a net profit growth of 1.6% for the full year of 2023. The revenue decline has narrowed compared to the first three quarters, and profit has achieved positive growth. In Q4, revenue increased by 1.9% year-on-year, and net profit growth surged to 50.6% [4][3]. - Net interest income decreased by 4.7% year-on-year, with a loan growth rate of 6.2%, indicating steady expansion. The annual interest margin is 1.46%, down 2 basis points quarter-on-quarter and 14 basis points year-on-year [4][3]. Asset Quality and Risk Management - The company has increased efforts in disposing of existing non-performing assets over the past three years, leading to a gradual clearance of the existing burden and a continued decline in newly generated non-performing loans [5][6]. - The provision coverage ratio has increased to 150%, while the loan-to-deposit ratio has decreased by 10 basis points to 2.22% [5][6]. Strategic Development - The company has achieved stable asset growth, with total assets increasing by 5.8% year-on-year and loan growth of 6.2% as of the end of 2023. The growth rates for corporate and retail loans are 9.1% and 1.5%, respectively [2][4]. - The company has implemented a new strategy for integrated development around strategic customers, conducting 101 customer business conferences throughout the year and increasing the number of corporate clients in chain financing by 19,000 [2][4].

每经记者 肖世清 每经编辑 马子卿 “银行经营逻辑是在‘量、价、质’上取得综合平衡，实质上是在风险、收益、流动性三个方面做好平 衡。将通过客群经营实现资产负债结构优化和合理定价，同时管控好风险，实现长期稳健的价值创 造。”3月29日，民生银行董事长高迎欣在2023年业绩发布会上如是说。 日前，民生银行（SH600016，股价4.05元，总市值1773亿元）公布了2023年度业绩报告。截至2023年 末，该行实现营业收入1408.17亿元，同比下降1.16%；实现归属于该行股东的净利润358.23亿元，同比 增长1.57%。 ...

本业绩发布内容来自2023年年度报告，为全面了解本公司的经营成果、财务状况及未来发展规划， 阁下应当到本公司官网投资者关系专栏或上海证券交易所等网站仔细阅读报告全文。本报告及相应的讨 论可能包含涉及风险和不确定因素的前瞻性说明。这些说明的表述通常会使用前瞻性的字眼，例如相信、 期望、预期、预计、计划、预测、目标、可能、将会，或者某些行动可能或预期会在将来产生结果等。 阁下不应过分依赖此等仅适用于本报告发表日的前瞻性说明。这些前瞻性说明的依据是本公司的信息以 及其他本公司认为来源可靠的资料。该等前瞻性声明与日后事件或本公司日后财务、业务或其他表现有 关，并受若干可能会导致实际结果出现重大差异的不明确因素的影响。 备注： 1. 除特别注明外，本报告中的财务指标采用集团口径数据，业务指标采用银行口径数据； 报告声明 2. 除特别注明外，本报告数据均为中国会计准则数据，货币币种均为人民币。 目 录 经营业绩 平稳向好 业务结构 不断优化 发展动能 持续增强 01 资产质量稳固向好 持续推进清收处置 经营业绩 平稳向好 02 数据概览 资产总额 7.67万亿元 5.78% 营业收入 1,408.17亿元 1.16% 归 ...

Financial Performance - In 2023, the bank achieved a net profit attributable to shareholders of RMB 35.823 billion, an increase of 1.57%[11] - Operating income for 2023 was RMB 140,817 million, a decrease of 1.16% compared to RMB 142,476 million in 2022[40] - Net interest income decreased by 4.68% to RMB 102,431 million from RMB 107,463 million in the previous year[40] - Non-interest income increased by 9.63% to RMB 38,386 million, up from RMB 35,013 million in 2022[40] - The bank's basic earnings per share rose to RMB 0.72, a 1.41% increase from RMB 0.71 in 2022[40] - The group reported a net inflow of RMB 1,021,482 million from bond issuance in 2023, an increase of RMB 184,510 million from RMB 836,972 million in 2022[127] Asset and Liability Management - Total assets amounted to RMB 7.67 trillion, reflecting a growth of 5.78%[11] - The total liabilities were CNY 70,371.64 billion, up by CNY 3,943.05 billion or 5.94% from the previous year[49] - The total equity attributable to shareholders reached RMB 637.80 billion, up RMB 24.99 billion, or 4.08% year-on-year[86] - The liquidity coverage ratio stood at 146.06%, indicating strong liquidity management[45] - The total amount of loans and advances was CNY 4,384.877 billion, an increase of CNY 243.733 billion, representing a growth of 5.89% year-on-year[73] Risk Management - The bank emphasizes a prudent and compliant operational philosophy, enhancing its risk governance framework and management capabilities[12] - The non-performing loan (NPL) generation rate was 1.58%, a year-on-year decrease of 0.43 percentage points, marking three consecutive years of decline[13] - The non-performing loan ratio was 1.48%, down 0.20 percentage points from the end of the previous year[16] - The provision coverage ratio increased to 149.69%, up 7.20 percentage points from the previous year[16] - The bank is committed to risk management and has implemented a comprehensive risk control system to maintain asset quality and support business growth[18] Digital Transformation and Innovation - The bank aims to enhance its digital transformation and build a "smart bank" to improve customer experience and operational efficiency[16] - The bank's digital marketing capabilities were enhanced through the launch of a corporate WeChat service, facilitating precise marketing efforts[141] - The bank's digital transformation included the launch of the Minsheng Micro App 3.0, which added features like tax payment and cross-border remittance, reaching over 1.68 million users[164] - The bank's smart risk control system has been enhanced, improving risk identification, assessment, and management capabilities[182] - The bank launched the "Easy Innovation E-loan" product, which has been well-received in the market, serving over 18,000 specialized and innovative enterprises[11] Social Responsibility and Sustainability - The bank has donated over CNY 200 million to support poverty alleviation in Henan Province over 22 years[13] - The bank's ESG rating was upgraded from BBB to AA by MSCI, becoming the first domestic bank to achieve a two-level upgrade within a year[16] - The bank plans to increase green credit investments and innovate green financial service models as part of its commitment to sustainable development[16] - The bank's green credit balance grew at a rate of 47%[11] - The bank has actively participated in carbon finance innovation, providing CNY 1 billion in carbon emission rights pledge loans to a central enterprise subsidiary[145] Customer and Market Development - The number of small and micro loans increased by 15.8%, while the number of inclusive small micro loans rose by 27.4% compared to the previous year[11] - The bank's small and micro loan ratio is the highest among joint-stock banks, reflecting its commitment to supporting small businesses[23] - The bank aims to enhance financial inclusivity and optimize product services for various customer segments, including small and micro enterprises, while ensuring compliance with regulatory requirements[17] - The bank's retail banking profit totaled CNY 24.668 billion, a year-on-year increase of 7.11%[157] - The number of retail customers reached 128.7194 million, a year-on-year growth of 5.65%[158] Awards and Recognition - The bank has been recognized with multiple awards, including the "Best Small and Micro Financial Service Bank" and "Best Comprehensive Strength in Digital Finance" in 2023[27] - The bank's private banking centers received recognition, with 7 centers selected as "Top 100 Private Banking Centers" by a retail banking magazine[162]

智通财经APP讯，民生银行(01988)发布截至2023年12月31日止年度业绩，该集团期内取得营业收入 1373.91亿元(人民币，下同)，同比减少1.31%;利息净收入1024.31亿元，同比减少4.68%;归母净利润 358.23亿元，同比增加1.57%;基本每股收益0.72元;拟派发现金股利每10股2.16元。 公告称，报告期内，集团坚持战略导向，深化改革转型，强化统筹管理，深入推进资产负债结构调整。 资产端，聚焦重点业务领域，集中资源推动信贷投放，资产结构更趋稳健。截至报告期末，集团资产总 额76749.65亿元，比上年末增加4192.92亿元，增幅5.78%，其中，发放贷款和垫款总额43848.77亿元， 比上年末增加2437.33亿元，同比多增1482.81亿元，增幅5.89%，在资产总额中占比57.13%，比上年末 提升0.06个百分点。该行重点领域、重点区域贷款保持较快增长，增速均高于各项贷款平均增速。负债 端，优化负债发展机制，强化负债质量管理，负债基础不断夯实。截至报告期末，集团负债总额 70371.64亿元，比上年末增加3943.05亿元，增幅5.94%，其中，吸收存款总额42830. ...

Dividend and Annual Report - The proposed cash dividend is RMB 2.16 per 10 shares (including tax), subject to approval at the 2023 annual general meeting[1]. - The annual report was approved by the board on March 28, 2024, with 16 directors present, including 7 in person and 9 via video[2]. - The annual report will be published on both the Hong Kong Stock Exchange and the bank's official website[1]. Financial Performance - In 2023, Minsheng Bank achieved a net profit attributable to shareholders of 35.823 billion yuan, an increase of 1.57%[8]. - Operating revenue for 2023 was RMB 137,391 million, a decrease of 1.31% compared to RMB 139,219 million in 2022[26]. - Net interest income decreased by 4.68% to RMB 102,431 million from RMB 107,463 million in the previous year[26]. - Non-interest income increased by 10.09% to RMB 34,960 million, up from RMB 31,756 million in 2022[26]. - The average return on total assets was 0.48%, a decrease of 0.02 percentage points from 0.50% in 2022[26]. - The cost-to-income ratio increased to 37.00% from 36.44% in the previous year[26]. - The net interest margin decreased to 1.46% from 1.60% in 2022[26]. Asset and Equity Growth - As of the end of 2023, total equity attributable to shareholders reached 624.6 billion yuan, up 4.11%[8]. - Total assets amounted to 7.67 trillion yuan, reflecting a growth of 5.78%[8]. - Total loans and advances rose by 5.89% to RMB 4,384,877 million, with corporate loans increasing by 9.09% to RMB 2,617,355 million[27]. - The liquidity coverage ratio improved to 146.06%, up from 134.89% in the previous year, indicating strong liquidity management[29]. Risk Management - The bank has not identified any significant risks that adversely affect its future development strategy and operational goals[2]. - The bank aims to effectively manage various risks through proactive measures[2]. - The non-performing loan generation rate was 1.58%, a decrease of 0.43 percentage points year-on-year, marking three consecutive years of decline[10]. - The bank's non-performing loan ratio decreased to 1.48%, down by 0.20 percentage points from the previous year[14]. - The provision coverage ratio increased to 149.69%, up by 7.20 percentage points year-on-year[14]. Strategic Development - The annual report includes a section on future outlook, indicating plans for strategic development and risk management[4]. - The bank's strategic goal for 2021-2025 is to become a first-class commercial bank characterized by continuous innovation and stable operations, with a two-phase development plan[17]. - Minsheng Bank positions itself as a bank for private enterprises, emphasizing support for small and medium-sized enterprises (SMEs) and enhancing its service quality in this sector[18]. - The bank plans to leverage digital transformation to create an agile and open banking environment, enhancing customer experience through integrated services[18]. Digital Transformation and Technology - Commitment to digital transformation and building a "smart bank" with innovative products[14]. - The bank's digital transformation efforts are aimed at enhancing customer service and operational efficiency through innovative financial technology solutions[35]. - The bank launched new services such as "Xin Guan+" for fund sales supervision and "Cross-border+" for global custody, enhancing market influence[157]. - The bank's digital transformation strategy includes a three-year technology plan and a data strategy aimed at becoming a data-driven bank[162]. Community and Social Responsibility - Minsheng Bank has donated over 200 million yuan to support poverty alleviation efforts in Henan Province over the past 22 years[10]. - The bank's MSCI ESG rating improved by two levels to "AA," reflecting recognition of its sustainable development efforts[10]. - Focus on enhancing technology finance, green finance, and inclusive finance to support sustainable development[14]. Customer Engagement and Services - The number of pension accounts exceeded 1.7 million, indicating strong growth in retirement finance services[8]. - The bank's strategy includes a focus on emerging industries such as green energy and advanced manufacturing, aiming to create a new model of "industry - technology - finance"[19]. - The bank emphasizes a customer-centric approach, aiming to improve customer satisfaction through integrated and one-stop services[19]. Compliance and Regulatory Adherence - Emphasis on compliance and risk management to ensure stable operation and adherence to regulatory requirements[15]. - The bank has established a comprehensive legal risk management system to ensure compliance with laws and regulations[198]. - The company has improved its compliance management framework, enhancing internal control and compliance quality[199].

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：2024-017 中国民生银行股份有限公司 第八届监事会第二十次会议决议公告 本行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。 中国民生银行股份有限公司（以下简称"本行""公司"）第八届监事会第二 十次会议于 2024 年 3 月 28 日在北京以现场方式召开，会议通知、会议文件于 2024 年 3 月 18 日以电子邮件方式发出。会议由杨毓副主席召集并主持。会议应 到监事 6 名，全体监事参加会议，现场出席监事 4 名，电话/视频连线出席监事 2 名。监事会副主席杨毓、监事鲁钟男、李宇、龚志坚现场出席会议，监事赵富高、 张礼卿通过电话/视频连线出席会议。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。 会议审议通过了如下决议： 1. 关于《中国民生银行 2023 年年度报告（正文及摘要）》的决议 根据相关规定，会议对 2023 年年度报告（正文及摘要）提出如下审核意见： （ ...

中国民生银行股份有限公司 对会计师事务所履职情况评估报告 中国民生银行股份有限公司（以下简称"本行"）聘请普华永道中天会计师 事务所（特殊普通合伙）（以下简称"普华永道中天"）和罗兵咸永道会计师事 务所（以下简称"罗兵咸永道"）为本行 2023 年度财务报告审计公司，分别负 责按照中国审计准则和国际审计准则提供 2023 年度审计及相关服务。根据财政 部、国资委及证监会颁布的《国有企业、上市公司选聘会计师事务所管理办法》 及本行制度规定，本行对普华永道中天在审计中的履职情况进行了评估。经评估， 本行认为普华永道中天具备执业资质，履职能够保持独立性，勤勉尽责，公允表 达意见。具体情况如下： 始为本行提供审计服务；1997 年起开始在普华永道中天执业，近 3 年已签署或 复核 5 家上市公司审计报告。 签字注册会计师为张红蕾女士，中国注册会计师协会执业会员。2005 年起 成为中国注册会计师；2004 年起开始从事上市公司审计，2019 年起开始为本行 提供审计服务；2002 年起开始在普华永道中天执业，近 3 年已签署或复核 2 家 上市公司审计报告。 项目质量复核合伙人为叶少宽女士，香港会计师公会执业会员，中 ...

中国民生银行股份有限公司 2023 年度环境、社会及管治（ESG）报告 中国民生银行股份有限公司 2023 年度 环境、社会及管治（ESG）报告 1 | 一、关于本报告 | 3 二、关于民生银行 4 | | --- | --- | | 三、ESG | 管治 5 | | 环境篇 | 8 四、环境责任，绿色发展护生态 8 | | 社会篇 | 20 | | 五、以客为尊，用心服务创共赢 20 | | | 六、以人为本，人力资源促发展 41 | | | 七、金融公益，情系民生暖社会 54 | | | 治理篇 57 | | | 八、行稳致远，强化合规控风险 57 | | | 附：联交所 指引索引 65 ESG | | 中国民生银行股份有限公司 2023 年度环境、社会及管治（ESG）报告 一、关于本报告 报告简介 本报告旨在披露中国民生银行股份有限公司（以下简称"民生银行"或"本行"）在环境、 社会及管治（"ESG"）方面的管理及表现，以促进各利益相关方与本行进行充分的沟通。 本报告应与《中国民生银行股份有限公司 2023 年年度报告》"企业治理"章节、《中国民 生银行股份有限公司 2023 年度社会责任报告》《中国民 ...