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：2024-066 1 优先股代码：360037 优先股简称：民生优 1 每股优先股派发现金股息人民币 4.38 元（含税） 最后交易日：2024 年 10 月 16 日 股权登记日：2024 年 10 月 17 日 除息日：2024 年 10 月 17 日 股息发放日：2024 年 10 月 18 日 360037；优先股简称：民生优 1）股息分配方案已经本行 2024 年 8 月 29 日召开 的第九届董事会第三次会议审议通过，董事会决议公告已刊登在上海证券交易所 网站（www.sse.com.cn）、香港联交所披露易网站（www.hkexnews.hk）及本行网 站（www.cmbc.com.cn）。 二、境内优先股（民生优 1）股息派发方案 1. 计息期间：2023 年 10 月 18 日至 2024 年 10 月 17 日 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 本行董事会及全体董事保证本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、准确和完整承担个别及连带责任。 ...

Dividend and Financial Reporting - The board approved a cash dividend of RMB 1.30 per 10 shares for all shareholders, subject to shareholder meeting approval[1]. - The financial report for the first half of 2024 has not been audited[1]. - The report period covers from January 1, 2024, to June 30, 2024[3]. - The report includes a comprehensive analysis of financial indicators and management discussions[2]. - The report will be made available on various media platforms and stock exchange websites[8]. Risk Management - The company has not identified any significant risks that could adversely affect its future development strategy and operational goals[1]. - The company emphasizes the importance of risk awareness regarding forward-looking statements in the report[1]. - The company is committed to effective risk management measures[1]. - The overall risk compensation capacity of commercial banks remains at a high level, supported by a package of policies aimed at stabilizing the real estate market[22]. - The bank is committed to supporting the stable development of the real estate market by addressing financing needs for various property enterprises and promoting affordable housing projects[152]. Financial Performance - Operating income for the first half of 2024 was RMB 65,589 million, a decrease of 6.12% compared to RMB 69,868 million in the same period of 2023[13]. - Net interest income decreased by 5.36% to RMB 48,582 million from RMB 51,334 million year-on-year[13]. - Net profit attributable to shareholders was RMB 22,474 million, down 5.48% from RMB 23,777 million in the first half of 2023[13]. - Total assets as of June 30, 2024, were RMB 7,551,013 million, a decrease of 1.62% from RMB 7,674,965 million at the end of 2023[14]. - Total loans and advances increased by 0.87% to RMB 4,423,227 million compared to RMB 4,384,877 million at the end of 2023[14]. Loan and Deposit Trends - Total deposits decreased by 5.10% to RMB 4,064,732 million from RMB 4,283,003 million at the end of 2023[14]. - The non-performing loan ratio improved slightly to 1.47% from 1.48% at the end of 2023[14]. - The total amount of loans classified as "concerned" reached RMB 122.913 billion, an increase of RMB 4.386 billion, with a ratio of 2.78%, up by 0.08 percentage points[64]. - The total amount of personal loans was RMB 1,749.63 billion, with an NPL amount of RMB 29.63 billion, resulting in an NPL ratio of 1.69%[71]. - The total amount of loans in the real estate sector decreased by RMB 5.898 billion, totaling RMB 340.400 billion[68]. Capital Adequacy and Financial Ratios - The capital adequacy ratio decreased to 12.30% from 13.14% at the end of 2023[14]. - The core tier 1 capital adequacy ratio was 9.35%, an increase of 0.07 percentage points from the end of the previous year[80]. - The liquidity coverage ratio was reported at 140.61%, above the regulatory requirement of 100%[16]. - The net stable funding ratio of the company is 104.78%, and the liquidity coverage ratio is 140.61%[59]. Shareholder Information - As of June 30, 2024, the total number of ordinary shares is 43,782,418,502, with 100% being unrestricted shares[166]. - The number of ordinary shareholders is 341,030, including 323,419 A-share holders and 17,611 H-share holders[169]. - The top 10 shareholders hold a combined total of 30.66% of the shares, with the largest being Hong Kong Central Clearing Limited at 18.93%[170]. - The company did not issue new ordinary shares during the reporting period, and there were no changes in the total number of shares[167]. - There are judicial freezes on 117,028,711 shares and judicial markings on 1,163,088,412 shares held by Dongfang Group[172]. Corporate Governance - The company emphasized the integration of party leadership with corporate governance, enhancing governance mechanisms and systems[191]. - The company maintained compliance with legal and regulatory requirements regarding corporate governance throughout the reporting period[191]. - The ninth board of directors was elected on June 26, 2024, during the annual general meeting, with nominations from the eighth board[197]. - The company has a diverse board composition, including independent directors and external supervisors, ensuring governance and oversight[196]. - The company continues to focus on strategic development and consumer rights protection through its board committees[198]. Digital Transformation and Innovation - The bank's digital finance initiatives included the launch of the "Cloud Data" model and improvements in mobile loan processing, achieving a 3-minute loan application and 1-minute disbursement[131]. - The bank is actively exploring the application of large model technology across eight areas, including smart marketing and risk control, to improve operational efficiency and customer experience[134]. - The bank has made significant progress in digital transformation, improving its information technology risk management system[160]. - The bank has strengthened its monitoring indicators for information technology risks, conducting regular assessments and optimizing risk control measures[160]. - The bank is focusing on digital transformation to improve marketing, operations, and risk management through technology upgrades[164].

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- 065 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： 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、诉讼基本情况 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、武汉中央公司、泛海控股股份有限公司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）。 2023年10月7日，本行收到北京金融法院送达的(2023)京74民初125号《民事 判决书》。对于本行北京分行诉讼武汉中央公司一案判决结果详见《关于诉讼事 1 案件所处的诉讼阶段：执行受理 上市公司所处的当事人地位：中国民生银行股份有限公司北京分行为原 ...

中国民生银行股份有限公司 董事会提名委员会工作细则 （2024 年 9 月 20 日第九届董事会第四次会议审议通过） 第一章 总 则 第一条 根据《中华人民共和国公司法》《中华人民共和国商业 银行法》《银行保险机构公司治理准则》《上市公司独立董事管理办 法》《中国民生银行股份有限公司章程》（以下简称"本行章程"） 及其他有关法律、行政法规、规章、规范性文件，制定本工作细则。 第二条 董事会提名委员会（以下简称"委员会"）是董事会按 照本行章程设立的专门工作机构，对董事会负责，为董事会决策提供 专业意见或经董事会授权就专业事项进行决策。 第三条 委员会成员由董事组成，应当具备与委员会职责相适应的 专业知识或工作经验，人数不得少于三人，且独立董事占多数，并由独 立董事担任主席。委员会成员组成和变更经董事长提名，由董事会决 定。 第四条 委员会成员任期与董事任期一致，任期届满，可以连选 连任。任职期间如有成员不再担任本行董事职务，自动失去委员会成 员资格。如因缺额导致成员人数少于三人，董事会应当尽快根据本细 则第三条补足成员人数。 第五条 委员会下设秘书机构并设委员会秘书一名，委员会秘书 及秘书机构协助委员会履职及 ...

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（以下简称"本行"）第九届董事会第四次会议以 书面传签方式召开，表决截止日期为 2024 年 9 月 20 日。会议通知、会议文件于 2024 年 9 月 6 日以电子邮件方式发出，共收回有效表决票 12 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：2024-063 中国民生银行股份有限公司 第九届董事会第四次会议决议公告 《关于修订<中国民生银行股份有限公司股东大会议事规则>的议案》将提交股 东大会审议。 议案表决情况：同意 12 票，反对 0 票，弃权 0 票。 1 3. 关于修订《中国民生银行股份有限公司董事会议事规则》的决议 《关于修订<中国民生银行股份有限公司董事会议事规则>的议案》将提交股 东大会审议。 议案表决情况：同意 12 票，反对 0 票，弃 ...

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：2024-064 中国民生银行股份有限公司 第九届监事会第四次会议决议公告 中国民生银行股份有限公司第九届监事会第四次会议以书面传签方式召开， 表决截止日期为 2024 年 9 月 20 日。会议通知、会议文件于 2024 年 9 月 10 日以 电子邮件方式发出。向监事发出表决票 6 份，收回 6 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。 会议审议通过了如下决议： 1. 关于修订《中国民生银行股份有限公司章程》的决议 《关于修订<中国民生银行股份有限公司章程>的议案》将提交股东大会审 议。 特此公告 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。 议案表决情况：同意 6 票，反对 0 票，弃权 0 票 2. 关于修订《中国民生银行股份有限公司监事会议事规则》的决议 《关于修订<中国民生银行股份有限公司监事会议事规则>的议案》将提交 股东大会审议。 议案表决情 ...

Investment Rating - The report upgrades the investment rating to "Buy" with a target price of 4.11 CNY, representing a potential upside of 23% from the current price of 3.32 CNY [6][3]. Core Insights - The report indicates that the company has shown signs of improvement in profitability, with a marginal reduction in revenue decline and stabilization of net interest margin [8][11]. - The asset quality is stabilizing, with a non-performing loan (NPL) ratio of 1.47% and an increase in the loan provision coverage ratio to 149.3% [20][22]. - The company is adjusting its asset structure to favor lending to the real economy, with a total earning assets amounting to 74,527 billion CNY, a slight decrease of 1.3% from the previous quarter [16][17]. Financial Performance Summary - Revenue for the first half of 2024 was 671 billion CNY, down 6.17% year-on-year, showing improvement from a 6.8% decline in the first quarter [8][11]. - Net profit attributable to shareholders was 225 billion CNY, a decrease of 5.48% year-on-year, also showing slight improvement from the previous quarter [8][11]. - The net interest margin for the first half of 2024 was stable at 1.38%, indicating a potential for gradual stabilization [11][12]. Asset Quality and Risk Management - The NPL balance stood at 649 billion CNY, with a net generation rate of 2.03% for the quarter, showing improvement compared to previous periods [20][21]. - The loan provision rate increased to 2.19%, maintaining a safety margin, while the NPL coverage ratio slightly decreased [20][21]. Shareholder Changes - The largest shareholder, Hong Kong Central Clearing Limited, increased its stake by 0.01 percentage points to 18.93% [22].

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：2024-062 中国民生银行股份有限公司董事会 2024 年 9 月 13 日 1 根据香港联合交易所有限公司证券上市规则第 37 章定义，专业投资者指(a)如属香港人士， 按《证券及期货条例》附表 1 第 1 部所界定的专业投资者（包括按该条例第 397 条所制定的 规则所指的人士）；或(b)如属非香港人士，根据有关司法权区对公开发售的相关豁免可向 其出售证券的人士。 中国民生银行股份有限公司 关于香港分行在 50 亿美元中期票据计划下 发行债券并上市的公告 本行董事会及全体董事保证本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、准确和完整承担个别及连带责任。 中国民生银行股份有限公司（以下简称"本行"）香港分行根据 50 亿美元 中期票据计划（简称"计划"）已向香港联合交易所有限公司申请于 2027 年到 期的 3 亿美元浮动利率票据（以下简称"票据"），该票据将以仅向专业投资者1 发行债券的方式上市及买卖。详情请参考本行刊载于香港联合交易所有限公司网 站（www.hkex.com ...

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：2024-061 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。 案件所处的诉讼阶段：二审判决 上市公司所处的当事人地位：中国民生银行股份有限公司北京分行为被 上诉人（一审原告） 二、诉讼进展 武汉中央公司对北京金融法院（2023）京74民初125号《民事判决书》中部 分内容不服，向北京市高级人民法院提起上诉。上诉请求如下： （一）请求依法改判（2023）京 74 民初 125 号《民事判决书》第一项截至 2023 年 2 月 8 日的复利，驳回民生银行北京分行要求武汉中央公司支付自 2023 年 2 月 9 日起的复利的诉讼请求； （二）本案一审案件受理费重新分配负担，二审案件受理费由民生银行北京 分行承担。 是否会对上市公司产生影响：本次公告涉及的诉讼 ...

Financial Performance - Operating income for the first half of 2024 was RMB 65,589 million, a decrease of 6.12% compared to RMB 69,868 million in the same period of 2023[8]. - Net interest income decreased by 5.36% to RMB 48,582 million from RMB 51,334 million year-on-year[8]. - Net profit attributable to shareholders was RMB 22,474 million, down 5.48% from RMB 23,777 million in the previous year[8]. - Total assets as of June 30, 2024, were RMB 7,551,013 million, a decrease of 1.62% from RMB 7,674,965 million at the end of 2023[9]. - Total loans and advances increased by 0.87% to RMB 4,423,227 million compared to RMB 4,384,877 million at the end of 2023[9]. - Total deposits decreased by 5.10% to RMB 4,064,732 million from RMB 4,283,003 million at the end of 2023[9]. - The bank's basic earnings per share for the first half of 2024 was RMB 0.43, down 6.52% from RMB 0.46 in the same period of 2023[8]. - The bank's cash flow from operating activities was negative at RMB -283,843 million, compared to RMB 108,631 million in the previous year[8]. Risk Management - The bank has not identified any significant risks that could adversely affect its future development strategy and operational goals[2]. - The bank's management has taken proactive measures to effectively manage various risks[2]. - The non-performing loan ratio improved slightly to 1.47% from 1.48% at the end of 2023[9]. - The provision coverage ratio stood at 149.26%, a slight decrease of 0.43 percentage points from the previous year[15]. - The liquidity coverage ratio was 140.61%, above the regulatory requirement of 100%[11]. - The leverage ratio was 6.92%, remaining compliant with the regulatory standard of ≥4.125[11]. Shareholder Information - China Minsheng Bank reported an interim profit distribution plan to pay a cash dividend of RMB 1.30 per 10 shares (including tax) to all shareholders[2]. - The total number of ordinary shareholders is 341,030, with 323,419 A-share holders and 17,611 H-share holders[157]. - The top ten shareholders hold a total of 18.93% and 10.30% of shares respectively, with the largest shareholder being Hong Kong Central Clearing Limited, holding 8,285,912,862 shares[158]. - The company has not issued new ordinary shares during the reporting period, maintaining a total of 43,782,418,502 shares[156]. Corporate Governance - The board of directors convened 11 meetings, discussing 76 proposals and reviewing 58 special reports[186]. - The supervisory board held 10 meetings, reviewing 30 proposals and 60 reports[187]. - The company strictly adhered to legal regulations and improved its corporate governance mechanisms during the reporting period[184]. - The company has appointed Cheng Fengchao and Liu Hanxing as independent directors during the 2023 annual general meeting, with their qualifications approved in February and March 2024 respectively[191]. Loan and Deposit Trends - Total loans and advances reached CNY 44,232.27 billion, an increase of CNY 383.50 billion or 0.87% year-on-year, accounting for 58.58% of total assets, up 1.45 percentage points[13]. - Total deposits amounted to CNY 40,647.32 billion, a decrease of CNY 2,182.71 billion or 5.10% year-on-year, with personal deposits growing steadily[13]. - The total amount of unused credit card limits was RMB 510.741 billion, a slight decrease of 0.77% from RMB 514.685 billion at the end of 2023[55]. Digital Transformation and Innovation - The company is focusing on digital transformation to enhance customer experience and operational efficiency[153]. - The bank's digital financial services have been enhanced, with continuous iteration of digital products and improved service capabilities[122]. - The company is actively exploring the application of large models and AIGC technologies to improve service efficiency and customer experience across various banking operations[125]. Economic Outlook - The banking industry is expected to face both opportunities and challenges in the second half of the year, with increased fiscal spending and local bond issuance anticipated to boost economic recovery[153]. - The optimization of deposit term structures and manual interest compensation adjustments are expected to alleviate pressure from narrowing net interest margins[153].