中信银行2023年中期报告

2023 20238 2420231010 2023 2023 2023 4 592.192.292.3102.4112.5122.6372.7402.8442.9652.10702.11722.12722.137273(ESG)8899109117119121 使命願景 經營概覽 釋義 第一章 公司基本情況簡介 1.2 1.3 1 . 3 . 1 1 . 3 . 3 1 . 3 . 5 1 . 3 . 6 20236 1.4 96.7%0.7 第二章 管理層討論與分析 2.1 2023 5.5%3.7%4.3%6.4% 20236398.6427.14%42,0211.68%0.05206.1%14.66% 2.2 + 2.3 3 4 5 2023250020126 N+X 2.4 360.6710.89%0.85%0.0412.32%0.331,058.852.16% 88,332.973.34%53,801.014.41%55,346.838.54% 648.503.630.56%1.21%0.06208.28%7.09 2.5 2 . 5 . 1 360.6710.89% 2 . 5 . 1 . 1 1,058.852.16%69.1%0.930.9%0.9 2 . 5 . 1 . 2 732.066.420.87% 2023LPR1.85%0.141.81%0.134.02%0.142.21%0.01 2 . 5 . 1 . 3 1,592.3747.953.10% 1,222.1333.822.85%3,787.277.72%3,029.00763.87 285.400.480.17%0.201,077.68 32.203.3511.61% 48.0212.7336.07%128.510.66 4.621.4724.14%155.930.08 2 . 5 . 1 . 4 860.3154.376.75% 574.0781.7616.61%5,428.170.10 128.018.836.45%270.150.10 122.8715.0110.89%215.600.38 19.049.1732.51%463.280.33 13.735.2862.49%410.250.19 2.590.34 2 . 5 . 1 . 5 326.7916.914.92% 2 . 5 . 1 . 6 190.632.281.21%18.00%0.604.6715.11%1.601.99%0.494.21%0.350.65%4.9616.67%2.6.4 2 . 5 . 1 . 7 131.2721.52 2 . 5 . 1 . 8 292.4718.606.79%26.64%2.31 2 . 5 . 1 . 9 347.0677.1318.18%275.3536.0811.59%32.697.0417.72% 2 . 5 . 1 . 1 0 56.601.162.01%13.36%1.56 2 . 5 . 2 2 . 5 . 2 . 1 88,332.973.34% 53,801.014.41%59.6%0.690.9% 25,040.20112.750.45% 17,001.61457.302.62% 2023630 66.645.09%21 17 23.6011.8911.71 2 . 5 . 2 . 2 81,222.843.31% 55,346.834,353.358.54%68.8%3.240,844.652,769.337.27%14,502.181,584.0212.26% 2 . 5 . 3 7,110.133.67% 2 . 5 . 4 53,801.012,273.291.21%0.06208.28%7.09 27,402.862,162.708.57%22,112.91943.814.46%4,285.24833.2216.28%24.170.2220.540.05 24,653.323,618.6945.82%524,862.45512.1846.22%3.03 53,801.012,273.294.41%15,177.2313,447.257,884.8128.22%24.99%14.66%9.85%7.83%7.01% 455.2070.19%28.410.1311.870.44 5,365.704,765.9617.40%0.782,832.0310.33%0.65200570.89452.69290.73266.0673.07% 60.95% 64.442.2164.8521.037.641.402.440.75 845.991.58%9.78% 202371 2,279.2197.23%0.132.291.56%0.07648.503.631.21%0.06 0.82%0.78 768.4453.450.17900.62%0.04910.81%0.13 119.895.220.02 1,350.7238.70208.28%2.51%7.090.04 2 . 5 . 5 2 . 5 . 6 1,230.18362.19 443.9241.09 168.38513.35 2 . 5 . 7 2012613.22%0.0410.68%0.058.85%0.11 2 . 5 . 8 2 . 5 . 1 0 2 . 5 . 1 0 . 1 2 . 5 . 1 0 . 2 312019 2.6 2 . 6 . 1 25,017.832,023.878.80%5,078.9213.88%4,729.7611.50%2,333.7215.4% 16,378.17842.745.42%4,526.49979.08LPR 2 . 6 . 2 39,292.322,912.3738,722.741,897.16M22/32.03%3BPs 13,041.201,448.4412.49%612,312.2436.64%861.44110.806.61%1.782.24%4BPs 2 . 6 . 3 1.85%0.14LPR 2 . 6 . 4 342 326.7916.914.92%82.001.601.99%35.584.6715.11%53.990.350.65%24.794.9616.67%12.130.494.21% 136.1619.1912.35% 2 . 6 . 5 53,801.012,273.29648.503.631.21%0.061,489.905.922.77%0.13208.28%7.092.51%0.04 2.6.5.1 3,696.7337.602,832.0360.3010.33%0.65447.0436.58428.66100.80 2.6.5.2 778.48%0.1874.13%0.13 9,523.2582.370.51%0.090.36%0.080.74%0.1236% 2.6.5.3 3,883.908505.9223.72%0.83%0.01 2 . 6 . 6 391.40 2.7 2 . 7 . 1 94.155.90% 25 + M+ 2 . 7 . 2 ++6+21+N10 +27F2F2C+ + TAOA 15,945.73174.9615,290.7495.89%36.352023 2 . 7 . 3 ++12.552.04% e 19%11%15%12% ++++ 2 . 7 . 4 4,84715.96%8.46% 34020+30%14871,000e30+103,40090%7 10M+130ServiceMesh100%60%30 2.5165%60% 20232.02023ESGESGAI95%(OCR)80% 2 . 7 . 5 2022 9,795369591 +3164,3996.83 54 2.8 2 . 8 . 1 432.314.30%43.71%0.8762.1320.85%3.51 2 . 8 . 1 . 1 +109.555.821126.171214.700.870.66 4111,634 13 15,609.543.61%9,792.515.50% 3001,400200 1413,071.99 15 25.100.8217,0671,7737,511.00129.94 16 eAI 10% 1713,935.861,453.8827.463.15185,078.92619.007.1426.003.00 2 . 8 . 1 . 2 6913,473.7719700 41.767,412.002023Wind e133 202534.943037.58% 1,124.521,880.53 6,906.798.57%24,17011.64% 14871,00020T+0.5 eee 102.406.54%8,982.3513.17%10,350.605.17%82.0511.10% 2.11REITsREITs2132 1,478.1122QDII1,385.07 +++ 18.110.541414.117,349.072,902.971,043.782023 + + 50%6,0001281% 7,539231,418.312,546.0617.54%668.4617.07%0.12% +11273.18 1,820.322 2 . 8 . 1 . 3 25,017.832,023.871.43%0.28 2 . 8 . 2 + 425.254.15%42.99%125.826.07%42.23%70.3523.61% 2 . 8 . 2 . 1 1.323.58% AI1,619.692.98% ++APP+AI421.165.97% 7.096.03%9,924.844.29% 2425 251,033.537.57% 2,220.266.08% OTA 1,617.82 2 . 8 . 2 . 2 12.41%2.171.19 116.11MAU49.84% 70.77112.46% 16,378.17842.745.42% vivo99365266 8••4642,833 11,072.523.87%5,189.1313,555.332.03%296.760.35% + 800600 1+1+N++13 +28.89 +++ 1.358.41% 2 . 8 . 2 . 3 131.3320.290.80%0.09 104.730.482.02%0.04 2 . 8 . 3 127.2712.67%12.87%112.912.78%37.89% 2 . 8 . 3 . 1 +8,673.95118.86%2,276.0071.06% 2 . 8 . 3 . 2 1.4772.94%27 10.994,476.9040.85% 2,196.3318.50% 6,212.409,6863116,68469.00%679.3031.80%4,282.6916.30% 2 . 8 . 3 . 3 2 . 8 . 4 2 . 8 . 4 . 1 1531,432371251,270311,5354,4059,1352,876 31237120236 2 . 8 . 4 . 2 APP APP251,800 APP1,589.50+