Financial Performance - Net profit attributable to shareholders decreased by 5.13% to RMB 12,742 million compared to the same period last year [4]. - Basic earnings per share decreased by 6.45% to RMB 0.29 [4]. - The group's net profit for Q1 2025 was RMB 12,782 million, a decrease of 5.2% from RMB 13,487 million in Q1 2024 [48]. - The total comprehensive income for the group was RMB 9,376 million for Q1 2025, a decrease of 36.5% compared to RMB 14,688 million in Q1 2024 [50]. Asset and Liability Management - Total assets decreased by 0.40% to RMB 7,783,420 million compared to the end of 2024 [3]. - The total liabilities were 71,174.92 billion yuan, a decrease of 409.09 billion yuan or 0.57% compared to the end of the previous year [18]. - Total liabilities decreased to RMB 7,117,492 million from RMB 7,158,401 million at the end of 2024, indicating a reduction of 0.6% [46]. - The bank's total equity increased to RMB 665,928 million from RMB 656,568 million at the end of 2024, showing a growth of 1.4% [46]. Loan and Deposit Growth - Total loans and advances increased by 1.57% to RMB 4,520,467 million, with corporate loans rising by 2.75% to RMB 2,753,706 million [3]. - Total deposits increased by 2.53% to RMB 4,356,395 million, with personal deposits rising by 5.78% to RMB 1,373,405 million [3]. - The total deposits increased by 1,073.00 billion yuan or 2.53%, reaching 43,563.95 billion yuan, which accounted for 61.21% of total liabilities, up 1.85 percentage points [18]. Interest Income and Margins - Net interest income increased by 2.49% to RMB 24,866 million [4]. - The net interest margin improved to 1.41%, an increase of 3 basis points year-on-year [19]. - Net interest income for the group reached RMB 24,866 million, up from RMB 24,262 million in the same period last year, reflecting a growth of 2.5% [48]. Non-Performing Loans and Risk Management - Non-performing loan ratio improved slightly to 1.46% from 1.47% [3]. - The bank's non-performing loans totaled RMB 66.05 billion, with a non-performing loan ratio of 1.46%, a decrease of 0.01 percentage points from the previous year [35]. - The bank's non-performing loan ratio remained stable, reflecting effective risk management strategies [42]. Cash Flow and Investment Activities - The net cash flow from operating activities was negative at RMB -117,455 million [4]. - The net cash flow from operating activities for the group was negative RMB 117,455 million in Q1 2025, compared to negative RMB 127,366 million in Q1 2024, showing an improvement [52]. - The net cash flow from investment activities was RMB 112,003 million for the group in Q1 2025, significantly up from RMB 11,242 million in Q1 2024 [54]. Strategic Initiatives and Market Expansion - The group is focused on optimizing asset structure and increasing credit investment to support the real economy [18]. - The company launched 32 new AI application scenarios during the reporting period, enhancing its digital transformation strategy [29]. - The bank plans to enhance its market expansion strategies and continue investing in new technologies to drive future growth [40]. Customer Base and Services - The company serves 119,600 technology enterprises, including 27,100 "specialized, refined, distinctive, and innovative" clients [21]. - The number of personal pension accounts reached 2.3986 million, an increase of 103,000 accounts, representing a growth rate of 4.49% [27]. - Retail customer base grew to 136.99 million, a 2.02% increase year-over-year [32].

Financial Performance - Net profit attributable to shareholders for Q1 2025 was RMB 12,742 million, down 5.13% from RMB 13,431 million in Q1 2024[10] - Net interest income for Q1 2025 was RMB 24,866 million, reflecting a 2.49% increase year-on-year[10] - Basic earnings per share for Q1 2025 decreased by 6.45% to RMB 0.29 compared to RMB 0.31 in Q1 2024[10] - Operating income for the period was CNY 368.13 billion, an increase of CNY 25.40 billion or 7.41% year-on-year[23] - The net profit attributable to shareholders was CNY 127.42 billion, a decrease of CNY 6.89 billion or 5.13% year-on-year[23] - The group's net profit for Q1 2025 was RMB 12,782 million, a decrease of 5.2% compared to RMB 13,487 million in Q1 2024[49] - The group's other comprehensive income after tax for Q1 2025 was a loss of RMB 3,406 million, compared to a gain of RMB 1,201 million in Q1 2024[51] Asset and Liability Management - Total assets as of March 31, 2025, amounted to RMB 7,783,420 million, a decrease of 0.40% from the end of 2024[8] - Total liabilities of the group were CNY 71,174.92 billion, a decrease of CNY 409.09 billion or 0.57% compared to the end of the previous year[22] - Total assets of the group as of March 31, 2025, are RMB 7,783,420 million, compared to RMB 7,814,969 million at the end of the previous year[43] - Total liabilities of the group are RMB 7,117,492 million, a slight decrease from RMB 7,158,401 million at the end of the previous year[45] Loan and Deposit Growth - Total loans and advances increased by 1.57% to RMB 4,520,467 million compared to the end of 2024, with corporate loans rising by 2.75%[8] - Total deposits increased by 2.53% to RMB 4,356,395 million, with personal deposits rising by 5.78%[8] - The balance of inclusive micro-enterprise loans was CNY 669.16 billion, with an increase of CNY 6.44 billion; the number of loan accounts reached 504,200, with an average interest rate of 3.96% and a non-performing loan ratio of 1.57%[27] - The mortgage loan balance was CNY 568.27 billion, up CNY 11.41 billion, with a year-on-year increase of 80.00% in mortgage loan issuance[34] Risk Management and Asset Quality - The non-performing loan ratio improved slightly to 1.46% from 1.47% at the end of 2024[8] - The provision coverage ratio increased to 144.27%, up from 141.94% at the end of 2024[8] - The non-performing loan total was CNY 66.05 billion, an increase of CNY 0.44 billion, with a non-performing loan ratio of 1.46%, down 0.01 percentage points from the end of the previous year[36] - The group's credit impairment losses increased to RMB 10,858 million in Q1 2025, compared to RMB 7,713 million in Q1 2024, indicating a rise of 40.5%[49] Shareholder Information - The total number of ordinary shareholders reached 337,961, with 320,882 A-share holders and 17,079 H-share holders[13] - The top shareholder, Hong Kong Central Clearing Limited, holds 8,287,380,462 H-shares, accounting for 18.93% of total shares[15] - Dajia Life Insurance Company holds 4,508,984,567 A-shares, representing 10.30% of total shares[15] - The largest preferred shareholder, China Ping An Property & Casualty Insurance, holds 14,000,000 shares, accounting for 7.00% of total preferred shares[18] Strategic Initiatives and Innovations - The group aims to enhance its financial services for technology enterprises and strengthen support for green and low-carbon projects as part of its strategic initiatives[24][25] - The bank launched 32 new AI application scenarios during the reporting period, enhancing its digital transformation strategy[30] - The bank's digital financial service ecosystem expanded with the launch of 6 strategic ecological innovation projects during the reporting period[30] - The bank's "Beehive Plan" provided customized service solutions for over 240 micro-enterprise clusters, focusing on standardizing complex credit operations[26] Cash Flow and Investment Activities - The bank reported a net cash flow from operating activities of -RMB 117,455 million for Q1 2025, an improvement from -RMB 127,366 million in Q1 2024[10] - The group's cash inflow from investment activities for Q1 2025 was RMB 418,254 million, an increase of 2.1% compared to RMB 408,405 million in Q1 2024[55] - The net cash flow from investment activities for the group in Q1 2025 was RMB 112,003 million, significantly up from RMB 11,242 million in Q1 2024[55] - The cash outflow for investment activities in Q1 2025 was RMB 306,251 million, a decrease of 22.9% compared to RMB 397,163 million in Q1 2024[55]

在封丘县，中信期货大连分公司联合民生银行大连分行、封丘县政府、大连商品交易所、平安财险共同举办"DCE· 产业行-产融基地培训活动-民生银行河南省封丘县生猪期货培训会"，为基层干部和养殖大户解读国内外经济形势、 期货和期权专业知识、"保险+期货"业务模式、大商所生猪"保险+期货" 政策与典型案例，将复杂的金融衍生品（生 猪期权）转化为农户易懂的保险产品，降低参与门槛，促进金融资源向农村渗透，推动"保险+期货"从"试点创新"迈 向"普惠覆盖"，助力农业现代化发展。 爱心帮扶传递温暖力量，助力乡村教育均衡发展 受供需关系、疫病等因素影响，养殖行业周期性波动显著，养殖户常面临"增产不增收"的困境。在此背景下，中信 期货大连分公司联合民生银行大连分行，积极拓展金融服务乡村振兴新模式，聚焦大连区域期货金融特色，共同推 进生猪"保险+期货"项目落地实施，推动封丘生猪产业向标准化、规模化发展，助力农户稳收增收。 本次活动，针对2024年"保险+期货"项目进行全面总结，并举办理赔仪式。在封丘县政府和民生银行的大力支持下， 中信期货大连分公司携手平安财险封丘支公司，已共同推进两期生猪"保险+期货"价格保险项目顺利落地，合计为封 ...

Core Insights - Minsheng Bank has launched the "Minsheng E-Chain" forfaiting automatic disbursement service, significantly enhancing the efficiency and convenience of financing for enterprises [1][2] - The bank is a pioneer in the digitalization of domestic letter of credit products, allowing enterprises to complete the entire process online without leaving their premises [1][3] Digital Innovation in Products - The "Minsheng E-Chain" electronic letter of credit forfaiting feature allows enterprises to apply for domestic forfaiting business online, with automatic processing and intelligent approval, reducing processing time to as little as 10 minutes [2] - The bank's electronic letter of credit supports various operational scenarios, including "buyer pays interest," "agent submission," and "batch submission," enhancing service flexibility [1][3] Tailored End-to-End Service Solutions - Minsheng Bank is focused on providing customized electronic letter of credit solutions for various industries, including large commodity trading, construction, and utility payments, by collaborating with key enterprises like State Grid and Southern Power Grid [3] - The bank aims to standardize, customize, and streamline supply chain financial services, helping enterprises alleviate cash flow pressures and reduce financing costs [3] - The bank's transaction banking department emphasizes a customer-centric approach and plans to continue enhancing supply chain financial services through digital financial solutions [3]

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） 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 2025年4月14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、趙鵬先生及梁鑫傑先生；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。 （股份代號：01988） 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2025年4月 29日（星期二）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2025年3月31日止三個月之第一季度業績公告。 ...

中国民生银行股份有限公司 自 2024 年 1 月 1 日 至 2024 年 12 月 31 日止年度财务报表 KPMG Huazhen LLP 8th Floor. KPMG Tower Oriental Plaza 1 East Chang Arı Avenue Beijing 100738 China Telephone +86 (10) 8508 5000 +86 (10) 8518 5111 Fax Internet kpmg.com/cn 近外椰型式外媒片做可好 (特殊普通合伙) 中国北京 东长安街1号 东方广场毕马威大楼8层 邮政编码:100738 电话 +86(10) 8508 5000 传真 +86 (10) 8518 5111 网址 kpmg.com/cn 审计报告 毕马威华振审字第 2508242 号 中国民生银行股份有限公司全体股东: 一、审计意见 我们审计了后附的中国民生银行股份有限公司(以下简称"民生银行")财务报表，包括 2024 年 12 月 31 日的合并及银行资产负债表，2024 年度的合并及银行利润表、合并及银行现 金流量表、合并及银行股东权益变动表以及相关财务报表附注。 ...

中国民生银行股份有限公司 内部控制审计报告 KPMGHuazhenLLP 8thFloor,KPMGTower OrientalPlaza 1EastChangAnAvenue Beijing100738 China Telephone +86(10)85085000 Fax +86(10)85185111 Internet kpmg.com/cn 毕马威华振会计师事务所 (特殊普通合伙) 中国北京 东长安街 1 号 东方广场毕马威大楼 8 层 邮政编码:100738 电话 +86(10)85085000 传真 +86(10)85185111 网址 kpmg.com/cn 内部控制审计报告 毕马威华振审字第 2508320 号 中国民生银行股份有限公司全体股东： 按照《企业内部控制审计指引》及中国注册会计师执业准则的相关要求，我们审计了中 国民生银行股份有限公司（以下简称"贵行"）2024 年 12 月 31 日的财务报告内部控制的有效 性。 一、 企业对内部控制的责任 按照《企业内部控制基本规范》、《企业内部控制应用指引》、《企业内部控制评价指 引》的规定，建立健全和有效实施内部控制，并评价其有效性是贵行董 ...

中国民生银行股份有限公司 2024 年度独立董事述职报告 根据《上市公司独立董事管理办法》《上海证券交易所上市 公司自律监管指引第 1 号——规范运作》"独立董事应当向上市 公司年度股东大会提交年度述职报告"相关要求，结合 2024 年 度工作情况，全体在任的六位独立董事及离任的两位独立董事分 别出具了 2024 年度独立董事述职报告，详见附件。 附件：1.2024 年度独立董事述职报告（曲新久） 2.2024 年度独立董事述职报告（温秋菊） 3.2024 年度独立董事述职报告（宋焕政） 4.2024 年度独立董事述职报告（杨志威） 5.2024 年度独立董事述职报告（程凤朝） 6.2024 年度独立董事述职报告（刘寒星） 7.2024 年度独立董事述职报告（解植春） 8.2024 年度独立董事述职报告（彭雪峰） 1 附件 1 2024 年度独立董事述职报告 （曲新久） 2024 年度，本人作为中国民生银行股份有限公司（以下简 称"民生银行"）独立董事，严格按照《公司法》《证券法》《上 市公司独立董事管理办法》《银行保险机构公司治理准则》、香 港联交所《企业管治守则》等境内外法律法规以及《中国民生银 行股份有 ...

Core Points - The meeting of the Supervisory Board of China Minsheng Bank was held on March 28, 2025, in Beijing, with all six supervisors participating either in person or via video/telephone [1] - The Supervisory Board approved the 2024 annual report and its summary, confirming that the preparation and review processes complied with relevant laws and regulations [2][3] - The financial report for 2024 was audited by KPMG Huazhen and KPMG, affirming its objectivity and fairness [2] - The voting results for the resolutions were unanimous, with all six votes in favor and no opposition or abstentions [3][4] Summary of Resolutions - The meeting approved the 2024 annual report and its summary for submission to the annual shareholders' meeting [3] - The remuneration for various supervisors for 2024 was also approved, with unanimous support, although some supervisors recused themselves from voting on their own remuneration [4]

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：2025-014 中国民生银行股份有限公司 关联交易公告 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。 重要内容提示： ● 中国民生银行股份有限公司（以下简称"本行"）第九届董事会第十一次 会议于 2025 年 3 月 28 日审议通过了《关于大家保险集团有限责任公司关联交易 的议案》，同意核定大家保险集团有限责任公司（以下简称"大家保险"）及其 关联企业集团关联交易额度 600 亿元1（含存量未到期的授信业务，以下金额对 应币种均为人民币），其中授信类关联交易额度 310 亿元，存款等非授信类关联 交易预计额度 290 亿元，额度有效期 2 年，股东会审议通过之日起生效，原集团 关联交易额度（如尚在有效期内）同时失效。在上述集团关联交易额度内，同意 核定大家人寿保险股份有限公司（以下简称"大家人寿"）金融机构最高授信额 度 260 亿元（含存量未到期的授信业务）、支用限额 260 亿元，额度有效期 2 年，该金融机构最 ...