民生银行：中国民生银行2023年半年度报告

于 中 华 人 民 共 和 国 注 册 成 立 的 股 份 有 限 公 司A 股股票代码：600016 2023830186128 2023 12468121213142227333637394245677475848799101108110113 571 10 2023112023630 2021-20252021-20222023-2025 2023(2021-2025)12345 CHINA MINSHENG BANKING CORP., LTD.CMBC210003186-10-5856097586-10-5856082486-10-58560720cmbc@cmbc.com.cn86-9556886-400 66 955682100031www.cmbc.com.cncmbc@cmbc.com.cn83701-0212-1640(www.cs.com.cn)(www.cnstock.com)(www.stcn.com)Awww.sse.com.cnHwww.hkexnews.hk 588421022 A188H183171712-1716 A600016H019881360037 1996274 1996 1.=/ 2.92010 3.=/ 10.20187130%1.8%=/=/ 2023 76,414.513,857.785.32%43,909.422,497.98899.546.03%57.46%0.3962.02%1.7670,147.603,719.015.60%42,414.612,479.346.21%60.46%0.3428.05%2.50 690.033.841.57%0.11146.85%4.362.31%0.08 237.778.613.49%715.3926.603.58%134.4111.88 2023 15.732.02611.3% 237.778.613.49% 715.3926.603.58% 513.3434.896.36%1.48% 1 1,330.8013.521.03% (1) 923.9916.221.73%21BP43.94 (2) 297.9119.476.99%25.38 (3) 51.6710.9326.83% (4) 33.011.023.00% (5) 24.220.361.51% 2 817.4648.416.29% (1) 481.4638.998.81% (2) 206.7442.1725.62%17.3716.33 (3) 83.5018.5218.15% (4) 45.7614.2323.72%16.62 202.058.294.28% 1 108.369.719.84%13.17 2 93.691.421.49% 211.360.720.34% 222.1017.507.30% 7.758.6052.60% 76,414.513,857.785.32% 1 43,909.422,497.986.03%57.46%0.39 2 22,801.52659.602.98%29.84%0.68 3 3,131.81390.3214.24%4.10%0.32 4 70,147.603,719.015.60% 1 42,414.612,479.346.21%71.72%28.05%33.34%66.43% 2 16,643.55811.745.13% 3 6,281.99199.083.07% 103.22%131.84%2.44%2BP 6,266.91138.772.26%6,134.19134.912.25% 690.033.841.57%0.111,174.9522.252.68%0.21 26,359.792,367.0360.03%2.0917,549.63130.9539.97%2.09 442.069.301.68%0.12247.9713.141.41%0.09 165,666.33432.904,569.68606.603,818.21184.77 277.5762.79%40.5316.276.5254.024.85 11,499.637,015.516,780.4126.19%15.98%15.44%1,043.85715.3870.43% 156.15125.54107.3656.38%29.0324.050.182.21 24,187.24798.1355.08%12,083.55775.5927.52%7,638.63924.2617.40%0.340.05 758.101.73%10.23% 97.8737.670.22%0.11879.8856.272.00%0.01 2.1 22202210 5%6%8%2.5%0%0.25%7.75%8.75%10.75% 8 . 9 0 %1 0 . 5 4 %12.69%0.270.370.452.65 7.29%202330.10 240.24 131.84%31.84 103.22%3.22 1 9(IFRS9)22232439SPPI 2 / 15 1,086.31267.09-26.931,156.78-414.17743.28 42,414.612,479.346.21%60.46%0.3426.51%4.24 43,909.422,497.98899.546.03%57.46%0.39 35.47%15.39%8.10%62.02%1.76 1.48%17BP3.85%13BPLPR2.44%2BP 134.4111.889.70% 63.3913.1726.22% 10.962.8635.31% 11.47%0.60 352.02307.27119.6367.0358.0460.961.6144.7542.5032.48% 4,537.9758.041.30%3,818.2184.14%184.775.09%5.13%0.85 616.926.571.05% 8.90%10.54%12.69% 1 ++++ESG 30,265.042.55%23,459.129.12% 2 12,090.591,050.809.52%11,749.68937.868.67% 1 2021 20207,411.5111,749.6858.53%20208,768.5112,200.8839.14% 20236534614,905983.8132.55%5,158 20510.11202113.00%14.79%1.9242.33 1 02 7 . 6 51 . 4 95.70%14,0001,20040% 32,4816.82% 3651,025899.47 3 e 2,437.2335.47%2023 2 300 ESG 3,667.57351.5110.60%20.592.54 E 4,552.1915.39%10.42%0.84 e12,324.291,347.0712.27% 220.68121.96123.54%6,0123,133108.82%4.02,866.27405.7216.49% 3e e 42,679 e1.26 101,009.77138.43% 1,828.243.85%1,528.9136.21%1,857.513691,808.81 4 442.069.301.68%0.12 1 +MGM298.4322.58%674.54 NPS2NPS84.89%1.64 101.3426.35%316.055.55%47.14%0.8047.68%0.44254.054.33%80.38%62.0010.24%19.62%39.23%21.9514.08%35.40%4.1210.157.4752.766.95% 23,020.954.76%19,064.233.78%82.81%11,689.521,668.9116.65%330.002.82% 18,518.56526.9842.40%1.295,579.18124.782.19%4,532.8595.03 2 312,632.363.69%45,2483,0547.24% 383.3217.02309.2015.32 70.14140.784.7170.04 1.62105.3039.89%476.91132.0192.49952.37211.8781.91% •1.28 67070087SA6,007.205.37% 86.43%APP7,008.452.80%4,937.183.23%1,604.1611,766.01APP3,059.365.29% 5,82365.93%3,933.1976.69%3.5783.01%15,93832.10%2SA 7,605.94771.5311.29%72.137.2611.19%5,935.32444.818.10%4.70%7BP1.17%0.53 SaaS eC++ APP3.0APP137 SAMCS 4 +++2023204050 2020231810 2280 2023210,000200700400200 3 6•18201.66V+29.2110.452022A 451.5359.92575.88434.0964.5417.46%3 138146411051,2381,079137 4,078.99250.7540% 5: 20131322023 8459,300 20235•DIY700 4 5247.9713.141.41%0.096178.341.02%131.357.892.90%0.230.57%0.070.95%0.13 1 + 2 e+ 3 (1) 20,717.463.02%3,143.2310.91% (2) 19,255.1118,056.921,198.19 4,675.4 539.472,352.541,476.9276.8 (3) +RTGS11.964,280.8725.04% 240,03437.08%530.305.40% 4 (1) (2) 2023 1 i 2023-20252023-20252023 62023-2025 IT 2 eeee1131250 168860% 7 eeeeEeE 13513028 983.8132.55%384.1356.97% 3 2.5V+CDPMVPAB 3903,700 eee50%60%20% 10,908.605.31%2,627.57343.064.67%38.9317.68%4,61011.14%+7 App25.942.31%414.1924.95% BIBI 4 32 (DSMM) AI 2 , 0 5 9 . 2 36 . 1 5 %1,072.8018.091,306.3172.0413.664.12% 1 23100.5393% 64.03%20050010.55%291 2 1,204.8078.2666.17%7118.6113.21%220 257x24240.1430 3 134.13 1 52008450.9554.96% 344.5051.66%63.19%1.511,841.515.57% 20222023 2 200811363.33% 2422.2817.260.810.47 1,898.3824.39%981,552.9125.65%1,205.6017.89%58