邮储银行：中国邮政储蓄银行股份有限公司2023年半年度报告

202383020231211 202363020222023712102.579255.742023 2023• 4108 6115 7118 9 11 16 20126 21127 38262 64266 70 861042023275 276 1.40 2.49 3.U50 4.52 5.56 6.58 7.66 8.69 9.71 10.73 13.82 ൤ၬ ࢺࡥඳ܄ 46.5+ 16A+A1AAAAspcAAA2023(The Banker)100012 战略愿景 建设客户信赖、特色鲜明、稳健安全、创新驱动、价值卓越的一流大型零售银行 价值观 应用理念 管理理念：删繁就简，让管理变轻经营理念：洞悉市场，先行一步风险理念：审慎合规是行稳之道，驾驭风险是致远之路服务理念：竭诚竭心竭力，让客户满意人才理念：尊重员工价值，开发员工潜能，成就员工梦想协同理念：胸怀全局，同心同向，共享共进 ߄ఒြ໓໊ࠣקᅞ੻ 风险合规贯穿始终 ေۀҍༀ (1)20182018362018 (2)2022882023 ေۀҍༀ (2) (3)2021 (1) (2)=/*100%1,608.1914.66%2,4001,4451,4451.49% ࣜႏ౦ঃۀফ 5+11 本行面对复杂严峻的国内外经济形势，着力把握经济企稳回升的向好势头，坚定信心、攻坚克难，保持健康平稳的发展态势。1515.127.51%7.828.49%1414.237.48%13.304.62%495.645.20%1,769.762.03%2.08%0.81%0.03381.28%The Banker2023100012 本行积极应对行业环境的深刻变化，以“价值创造”为核心不断提高资源配置效率，推动实现“质”和“量”同步提升的高质量发展。(RAROC)6,122.34752.692.100.472,629.89669.13AUM1.57%8BPS450200 本行坚守战略定位，扎实服务“三农”、中小企业和城乡居民，通过加快打造差异化的竞争优势更好服务实体经济，五大差异化增长极建设成效显著，一流大型零售银行发展步伐更加坚实。22,329.64381.321,866.915D (Digital)2U1.351,702.8217% 208.4515.016.1430%2,923.8140%1.26.56VIP5,050.596.67%1474.1111.55%AUM14.526,324.962,10085%800 本行加快创新驱动，以机制体制变革为重点，夯实发展根基，充分激发发展活力。1+N217.0815.7648.98%FPA4.215,235.1963,514640AI(OCR) 20 21 38 64 70 86 104 აᅚຬߌ 2023 ҍༀБіٳ༅ 2023 1515.127.51%7.828.49%752.691414.237.48%13.304.62%58.81%2.10 495.645.20%1,769.762.03%1,403.052.33%1.3424.17%2.08%1BP0.460.02 0.81%0.03381.28% 1,769.7635.152.03%496.3824.685.23% ҍༀБіٳ༅ 1,403.0531.882.33%1.34146.18114.302.08%2.06%1BP ҍༀБіٳ༅ 2,453.1098.634.19% 1,581.1046.113.00% 1,019.171.320.13% 525.2354.6311.61%1+N20.32% 677.6243.126.80% 99.105.055.37% 95.284.354.78% 1,050.0566.756.79% 996.1252.695.58% 1.54%9BPS10BPS ҍༀБіٳ༅ 27.286.0428.44% 24.147.1341.92% 182.033.231.81%24.17% 340.0639.3213.07%177.9060.5751.62%52.575.7012.16%1+N16.334.6139.33%15.2538.9171.84%158.0336.0929.60% 184.680.040.02%172.6239.6629.83% 6.6940.45972.50 1,014.3591.379.90% 560.7664.0912.90%13.26%1.25%3BPS285.1913.965.15%54.474.609.22% 193.1677.8328.72%167.2993.6917.3720.40 50.934.307.79% ҍༀБіٳ༅ 151,231.0710,558.257.51%78,226.676,122.348.49%52,125.112,536.125.11%12,762.64123.130.97%50.14%0.5434.47%0.788.44%0.555.70%0.7658.81%2.10 78,226.676,122.348.49% ҍༀБіٳ༅ 43,090.942,629.896.50% 27,938.21651.762.39% 13,218.851,866.9116.45%235.46 1,933.88111.226.10% 30,728.154,034.5315.11%1,384.081+N 69.18%2.39 4,407.58542.0810.95% ҍༀБіٳ༅ 52,125.112,536.125.11% 38,946.892,103.805.71%4,689.24649.1416.07% 38,891.532,195.555.98% 38,946.892,103.805.71% ҍༀБіٳ༅ 20,356.6718,081.2188.82% 142,324.169,909.487.48%133,015.915,871.064.62%4,819.331,768.1857.95% 133,015.915,871.064.62% 118,341.345,519.374.89%14,645.07349.412.44%1.65 ҍༀБіٳ༅ 8,906.91648.777.86%A449.80496.38308.90 4 834.97634.17 1,450.86121.71 2,317.081,887.54 32021 6.56(AUM)14.56,0002.57%72.21%0.39 51 54 60 2.57%72.21%0.396.56(AUM)14.526,324.9611.834.31 C+1 70%11.83 3,134.699,144.78243.174,825.18 IPU+YOUNG4.61 12.262.23 ਬ൲ࣁವြༀ 36UU 810.0940.60%17.59667.52589.45670.839.01%178.56 VIP5,050.596.67%474.1111.55% 专栏 AUM 150•30020 1.10 46.90300% 443317 ਬ൲ࣁವြༀ 1.321,866.91 2.79 2.32622.99 ++ 4,300 3,600 9.21% 412.884,369.982.05%5,669.469.21%1.83%0.12 46 ਬ൲ࣁವြༀ APPAPP5.0APP 149.6917.088.57%92.27%48.98%6.1430%(FPA)4.215,235.1966.30%1.65284.694.18% 149.6917.088.57%30%(FPA)4.215,235.1914.09%30,728.154,034.5315.11%1,449.07323.7314,645.07349.412.44%66.30%1.33%284.694.18%71.73% ܄ඳࣁವြༀ 1+N + 48.98% 1.4939.1358.9073.887.66 SaaSSaaS 2.0 71.73% CIPS119.30% 52.34%REITs 525.66%10.78 111.40%148.26%+++51.63%77.11% 15ETC+ ܄ඳࣁವြༀ +++ 23.64% U6.1430%2,923.8140% E ++14.65% U 22.64%72.67%U1332.98% 16.51% U696.33323.73174.42% 1+N ++++++++ ܄ඳࣁವြༀ U 2023516UUUUUUU U U U U4 U 20158202120236 2,120 3,303.103 3 204 3+G2,100140.99%75.33%65.24% ሧࣁሧܵြༀ 5,204.1252.59%10,80523.74%10,394.4665.24% V17.31% 91251.194.39%30810 282,100 ABS329 38,946.892,103.805.71% 7,524.477 , 0 5 7 . 9 793.80% 140.99%75.33% 11.64%QDII4.40 13.40% 4 22,329.64 1.3517% 300 719.42546.36 1.35208.452.04 8324,686.74552.99160536.3757.3911.98% 2.042,329.641.321,866.91 1,352.74398.5641.77% 20231 95%725 +30040080 38 1.62% 1 719.42546.36 ࣁವ߲௴ 85G +++15.941.04 eee 5D (Digital)1.3517%208.4515.01 5Ge H5++++ 20235 5D (Digital)ABCDIX ABW E B8CDI+5GX +++ ࣁವ߲௴ 本行积极践行“普惠城乡，让金融服务没有距离”的使命，通过数字化赋能、集约化改革、邮银一体协同，加快推动农村信用体系建设提质升级，助力全面推进乡村振兴，并致力于做好小微企业成长壮大的陪伴者、经济政策的宣传者、一线声音的传递者。经过十五年深耕，本行形成以董事会战略规划委员会为引领、乡村振兴及普惠金融管理委员会为统筹、普惠金融事业部（小企业金融部）和三农金融事业部（乡村振兴金融部）为主体、多部门有机联动的工作格局，搭建起独具特色的“四三二一”服务模式1，叠加数字化“5D”服务体系，全力打造数字普惠金融新模式，不断提升普惠金融服务专业核心能力。持续深化普惠金融领域专业研究，与经济日报社联合发布“经济日报－中国邮政储蓄银行小微企业运行指数”，至今已连续发布超过8年，举办四届小微经济发展论坛，为助力中小微企业高质量发展建言献计。 普惠金融的“先行者” 企业身边的金融“陪伴者” 2009年，本行在河北保定试点开办小企业贷款业务，本行保定市分行积极组织客户经理开展市场调研，逐户走访辖内企业。在走访过程中，分行了解到保定某线缆制造与销售公司有融资需求，立即成立工作小组，结合企业实际定制融资服务方案，于2010年2月为企业授信500万元。十余年来，本行与客户始终保持着良好的合作关系，本行的产品及服务得到了企业的认可，企业也在本行的金融支持下成长壮大，新建厂房、更新生产设备，企业2010年销售收入约4,700万元，如今已突破6亿元，员工人数也从50余人发展至180人，本行实现了与客户同成长、共进步。