格隆汇3月30日丨民生银行(01988.HK)公布年度业绩，2025年度，集团实现营业收入人民币1,396.77亿元 (单位下同)，同比增加65.54亿元，增幅4.92%。其中，利息净收入1,001.26亿元，同比增加14.36亿元， 增幅1.46%，利息净收入同比增长受益于规模增长和净息差企稳。规模方面，集团生息资产日均规模 71,489.10亿元，同比增加711.25亿元，增幅1.00%；净息差方面，该行不断优化业务结构，严格落实存 款自律要求，开展精细化定价管理，推动净息差趋势改善，报告期内集团净息差1.40%，同比提升 1BP。报告期内，集团实现非利息净收入395.51亿元，同比增加51.18亿元，增幅14.86%。同时，集团加 大不良资产处置力度，归属于该行股东的净利润305.63亿元，同比减少17.33亿元，降幅5.37%。拟向股 东每10股派发现金股利人民币0.53元。 截至报告期末，集团资产总额78,325.67亿元，比上年末增加175.98亿元，增幅0.23%。其中，一般性贷 款规模与占比双增，期末余额43,043.60亿元，比上年末增加728.89亿元，增幅1.72%，在资产总额中占 比5 ...

Core Insights - The core viewpoint of the articles is the financial performance of Minsheng Bank in its 2025 annual report, highlighting both revenue growth and a decline in net profit. Financial Performance - The bank achieved an operating income of 142.865 billion yuan, an increase of 6.575 billion yuan year-on-year, representing a growth rate of 4.82% [1] - Net interest income reached 100.126 billion yuan, up by 1.436 billion yuan year-on-year, with a growth rate of 1.46%, benefiting from asset scale growth and stable net interest margin [1] - The net profit attributable to shareholders was 30.563 billion yuan, a decrease of 1.733 billion yuan year-on-year, reflecting a decline of 5.37% [1] Asset Quality - The total amount of non-performing loans was 66.154 billion yuan, an increase of 0.544 billion yuan compared to the end of the previous year [2] - The non-performing loan ratio stood at 1.49%, rising by 0.02 percentage points from the end of the previous year [2] - The provision coverage ratio was 142.04%, which increased by 0.10 percentage points compared to the end of the previous year [2] Non-Interest Income - The bank reported non-interest income of 42.739 billion yuan, an increase of 5.139 billion yuan year-on-year, with a growth rate of 13.67% [1]

格隆汇3月30日丨民生银行(01988.HK)公布年度业绩，2025年度，集团实现营业收入人民币1,396.77亿元 (单位下同)，同比增加65.54亿元，增幅4.92%。其中，利息净收入1,001.26亿元，同比增加14.36亿元， 增幅1.46%，利息净收入同比增长受益于规模增长和净息差企稳。规模方面，集团生息资产日均规模 71,489.10亿元，同比增加711.25亿元，增幅1.00%；净息差方面，该行不断优化业务结构，严格落实存 款自律要求，开展精细化定价管理，推动净息差趋势改善，报告期内集团净息差1.40%，同比提升 1BP。报告期内，集团实现非利息净收入395.51亿元，同比增加51.18亿元，增幅14.86%。同时，集团加 大不良资产处置力度，归属于该行股东的净利润305.63亿元，同比减少17.33亿元，降幅5.37%。拟向股 东每10股派发现金股利人民币0.53元。 截至报告期末，集团不良贷款总额661.54亿元，比上年末增加5.44亿元；不良贷款率1.49%，比上年末 上升0.02个百分点；拨备覆盖率142.04%，比上年末上升0.10个百分点。 截至报告期末，集团资产总额78,325.6 ...

Core Insights - Minsheng Bank reported a total operating income of 142.865 billion yuan for 2025, an increase of 6.575 billion yuan, or 4.82% year-on-year [1] - The net interest income reached 100.126 billion yuan, up by 1.436 billion yuan, or 1.46% year-on-year, with a net interest margin of 1.40%, an increase of 1 basis point [1] - The net profit attributable to shareholders was 30.563 billion yuan [1] Financial Performance - Total assets amounted to 7,832.567 billion yuan, an increase of 17.598 billion yuan, or 0.23% year-on-year [1] - General loan balance increased to 4,304.360 billion yuan, up by 72.889 billion yuan, or 1.72%, accounting for 54.95% of total assets, an increase of 0.80 percentage points [1] - Total liabilities decreased to 7,129.370 billion yuan, down by 29.031 billion yuan, or 0.41% [1] - Total deposits increased to 4,277.238 billion yuan, up by 28.143 billion yuan, or 0.66%, accounting for 59.99% of total liabilities, an increase of 0.63 percentage points [1] - Personal deposits showed steady growth, increasing by 91.864 billion yuan, with a rise of 1.94 percentage points in proportion [1] Asset Quality - Total non-performing loans reached 66.154 billion yuan, an increase of 0.544 billion yuan year-on-year [2] - The non-performing loan ratio was 1.49%, up by 0.02 percentage points [2] - The provision coverage ratio stood at 142.04%, an increase of 0.10 percentage points [2]

规模方面，集团生息资产日均规模71,489.10亿元，同比增加711.25亿元，增幅1.00%；净息差方面，本 行不断优化业务结构，严格落实存款自律要求，开展精细化定价管理，推动净息差趋势改善，报告期内 集团净息差1.40%，同比提升1BP。非息收入方面，本行围绕基础客户、基础产品、基础服务，持续加 强经营管理能力，推动手续费及佣金净收入增长，同时抓住市场机会增加投资收益。报告期内，集团实 现非利息净收入395.51亿元，同比增加51.18亿元，增幅14.86%。同时，集团加大不良资产处置力度， 归属于本行股东的净利润305.63亿元，同比减少17.33亿元，降幅5.37%。拟每10股派发现金股利人民币 0.53元(含税)。 格隆汇3月30日丨民生银行(01988.HK)公布2025年年度业绩，报告期内，集团实现营业收入1,396.77亿元 (人民币，下同)，同比增加65.54亿元，增幅4.92%。其中，利息净收入1,001.26亿元，同比增加14.36亿 元，增幅1.46%，利息净收入同比增长受益于规模增长和净息差企稳。 ...

Core Viewpoint - Minsheng Bank reported its 2025 performance, showing a mixed financial outcome with a slight increase in revenue but a decrease in net profit [1] Financial Performance - Operating revenue reached approximately 139.68 billion yuan, representing a year-on-year growth of 4.92% [1] - Net interest income was 100.13 billion yuan, an increase of 1.46% compared to the previous year [1] - Net profit attributable to shareholders was about 30.56 billion yuan, reflecting a year-on-year decrease of 5.37% [1] - Basic earnings per share stood at 0.63 yuan, with a proposed cash dividend of 0.53 yuan for every 10 shares [1] Asset and Liability Overview - Total assets amounted to 783.26 billion yuan, an increase of 17.60 billion yuan, or 0.23%, from the end of the previous year [1] - Total liabilities were 712.94 billion yuan, showing a decrease of 29.03 billion yuan, or 0.41%, compared to the end of the previous year [1] Loan Quality Metrics - Total non-performing loans reached 66.15 billion yuan, an increase of 0.54 billion yuan [1] - The non-performing loan ratio was 1.49%, up by 0.02 percentage points from the end of the previous year [1] - The provision coverage ratio was 142.04%, an increase of 0.10 percentage points from the end of the previous year [1]

Core Viewpoint - Minsheng Bank emphasizes its commitment to high-quality development and service to the real economy, marking 2025 as a pivotal year in its reform and growth journey, guided by the principles of Xi Jinping's thought on socialism with Chinese characteristics for a new era [2][9]. Financial Performance - The bank achieved a total operating income of 142.865 billion yuan, representing a year-on-year growth of 4.82% [2][9]. - The loan balance for technology enterprises increased by 9.7% compared to the previous year, while green finance loans grew by 20% [2][9]. - The balance of loans for inclusive small and micro enterprises rose by 2.3% year-on-year [2][9]. Customer Service and Engagement - The retail customer base reached 143 million, a growth of 6.46% from the previous year, with private banking customers increasing by 20% [3][10]. - The bank implemented a high-efficiency service model, enhancing customer service systems and responsibilities [3][10]. Risk Management and Compliance - Minsheng Bank established a comprehensive risk management and compliance system, emphasizing that compliance is a core competitive advantage [4][11]. - The deposit interest rate decreased to 1.74%, down by 40 basis points, while the net interest margin improved to 1.40%, up by 1 basis point year-on-year [3][10]. Social Responsibility and ESG - The bank has been recognized for its efforts in social responsibility, receiving the highest rating of "AAA" from MSCI for its ESG performance [5][12]. - The "ME Public Welfare Innovation Funding Program" benefited 418,000 individuals, showcasing the bank's commitment to community support [5][12]. Future Outlook - In 2026, Minsheng Bank aims to focus on enhancing customer service quality, optimizing asset-liability structure, and strengthening risk management [6][12][13]. - The bank plans to leverage digital empowerment to stimulate growth potential, advancing its business architecture and AI applications [6][13].

海外監管公告 （在中華人民共和國註冊成立的股份有限公司） （股份代號：01988） 茲載列本行在上海證券交易所網站及中國報章刊登之《中國民生銀行股份有限公 司2025年度可持續發展(ESG)報告摘要》，僅供參閱。 承董事會命 中國民生銀行股份有限公司 董事長 高迎欣 中國，北京 2026年3月30日 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 賴該等內容而引致之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. 本公告乃根據香港聯合交易所有限公司證券上市規則第13.10B條由中國民生銀行 股份有限公司（「本行」）作出。 於本公告日期，本行執行董事為高迎欣先生、王曉永先生及張俊潼先生；非執行 董事為劉永好先生、史玉柱先生、宋春風先生、梁鑫傑先生、林立先生及鄭海陽 先生；獨立非執行董事為曲新久先生、溫秋菊女士、宋煥政先生、楊志威先生、 程鳳朝先生及劉寒星先生。 中国民生银行股份有限公司 2025 年度可持续发展（ESG）报告 ...

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 賴該等內容而引致之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） 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： （股份代號：01988） 海外監管公告 本公告乃根據香港聯合交易所有限公司證券上市規則第13.10B條由中國民生銀行 股份有限公司（「本行」）作出。 茲載列本行在上海證券交易所網站及中國報章刊登之《中國民生銀行股份有限公 司關於續聘會計師事務所公告》，僅供參閱。 承董事會命 中國民生銀行股份有限公司 董事長 高迎欣 中國，北京 2026年3月30日 於本公告日期，本行執行董事為高迎欣先生、王曉永先生及張俊潼先生；非執行 董事為劉永好先生、史玉柱先生、宋春風先生、梁鑫傑先生、林立先生及鄭海陽 先生；獨立非執行董事為曲新久先生 ...

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 賴該等內容而引致之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） 承董事會命 中國民生銀行股份有限公司 董事長 高迎欣 中國，北京 2026年3月30日 於本公告日期，本行執行董事為高迎欣先生、王曉永先生及張俊潼先生；非執行 董事為劉永好先生、史玉柱先生、宋春風先生、梁鑫傑先生、林立先生及鄭海陽 先生；獨立非執行董事為曲新久先生、溫秋菊女士、宋煥政先生、楊志威先生、 程鳳朝先生及劉寒星先生。 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：2026-008 中国民生银行股份有限公司 2026 年估值提升计划 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: （股份代號：01988） ...