晋商银行二零二三中期报告

晉商銀行股份有限公司JINSHANG BANK CO., LTD.晉商銀行股份有限公司JINSHANG BANK CO., LTD. （於中華人民共和國註冊成立的股份有限公司）股份代號：2558(A joint stock company incorporated in the People’s Republic of China with limited liability)Stock Code: 2558 2023中期報告 目錄 釋義02公司資料04會計數據及財務指標概要07管理層討論與分析11股本變動及股東資料63董事、監事、高級管理層及僱員72企業管治及其他資料78中期財務資料審閱報告87簡要合併損益及其他綜合收益表88簡要合併財務狀況表90簡要合併股東權益變動表92簡要合併現金流量表94簡要合併中期財務報表附註97未經審計補充財務信息204分支機構一覽表208 釋義 19981016 1.00 H1.00 2023630 571 1.00 6222 公司資料 12023829*155 H 97927 公司資料 (1)(2)(3) 會計數據及財務指標概要 (4)(5)(6)(7)(8)(9)(10)(11)(12)(13)(14)=30×100%(15)=×100%(16)201911=×100% 1經濟金融與政策環境回顧 2023 2023(GDP)593,034.25.5%3 . 8 %1.7%4.2%6.5%2.76.4%227,587.68.2%3.8%12.5%8.7(CPI)0.7%3.1%6.5% 2023 202311,688.64.7%3.9%(3.8%)0.16.2%2.1%8.3%5.7%3,789.55.7%0.5%1,957.27.4%19,5265.0%1.4% 2整體經營概括及發展策略 2023 202363,419.81.7%2,721.67.2%1,888.84.4%8.75%0.0710.30.61.72%0.0812.45%0.05190.23% 5.0 2023 (1) 20236302022630974.56.8%1,041.02022630970.41,033.06.5% 3.1利息淨收入、淨利差及淨利息收益率 202363020226301,680.220.7%2,028.3497.7 20236301.33%20226300.043.98%3.79%2.61%2.46% 20236301.34%20226300.06 20222023630 (1)(2)(3)(4)(5)(6) 3.2利息收入 202363020226305,220.79.5%5,718.42022630262,668.114.9%2023630301,780.420226303.98%20236303.79% 來自發放貸款和墊款的利息收入 20226303,850.15.7%20236304,068.62022630166,082.714.7%2023630190,571.120226304.64%20236304.27% 管理層討論與分析 來自金融投資的利息收入 20236302022630960.629.7%1,246.1202263056,170.628.6%202363072,227.420226303.42%20236303.45% 來自拆出資金的利息收入 2023630202263046.679.4%83.620226304,059.023.6%20236305,018.620226302.30%20236303.33% 來自買入返售金融資產的利息收入 20236302022630239.521.0%189.1202263019,471.015.4%202363016,478.820226302.46%20236302.30% 來自存放中央銀行款項的利息收入 2022630102.37.5%2023630110.0202263015,050.65.8%202363015,918.1 來自存放同業及其他金融機構款項的利息收入 2023630202263021.62.8%21.020226301,834.214.6%20236301,566.4 3.3利息支出 20226303,540.54.2%20236303,690.12022630271,224.610.6%2023630299,842.920226302.61%0.1520236302.46% 吸收存款的利息支出 20226302,699.616.4%20236303,143.32022630207,312.321.8%2023630252,601.320226302.60%0.1120236302.49% 管理層討論與分析 同業及其他金融機構存放款項的利息支出 202263013.496.3%20236300.52022630966.094.5%202363053.320226302.77%20236301.88% 拆入資金的利息支出 20226302.792.6%20236305.22022630271.376.3%2023630478.320226301.99%0.1820236302.17% 賣出回購金融資產的利息支出 2022630134.138.6%2023630185.8202263014,067.332.1%202363018,589.920226301.91%0.0920236302.00% 已發行債券的利息支出 2022630660.750.1%2023630329.9202263045,693.644.0%202363025,580.920226302.89%0.3120236302.58% 向中央銀行借款的利息支出 202263030.015.3%202363025.420226302,914.112.9%20236302,539.220226302.06%0.0620236302.00% 3.4手續費及佣金淨收入 20222023630 2022630368.32.6%2023630358.92022630458.25.4%2023630433.3202263089.917.2%202363074.4 3.5交易收益淨額 202263015.8989.9%2023630172.2 3.6投資證券所得收益淨額 2022630494.349.3%2023630250.7 3.7營業支出 20222023630 (1)(2) 管理層討論與分析 2022630870.39.2%2023630950.3 2022202363032.28%32.06% 人工成本 2022630529.32.2%2023630541.0 折舊及攤銷 2022630154.11.4%2023630156.2 稅金及附加 202263040.82.0%202363041.6 租金及物業管理費 202263021.73.2%202363021.0 其他一般及行政費用 2022630124.453.1%2023630190.5 3.8信用減值損失 2023630859.52022630735.316.9% 3.9所得稅費用 (1) 20226304.195.1%20236308.0 4財務狀況表分析 4.1資產 (1) 20221231336,419.51.7%2023630341,982.920221231180,905.82023630188,883.3 發放貸款和墊款 2023630116,809.520221231109,512.06.7% 2022123141.0%202363040.7%2022123159.0%202363059.3% (1) 202363030,484.32022123128,806.85.8% 202363021,609.22022123120,208.86.9% 20236302,673.3202212312,202.921.4% 管理層討論與分析 20236301,515.9202212311,696.910.7% 20236304,685.9202212314,698.20.3% 2022123147,733.11.3%202363047,091.3 金融投資 202363099,387.720221231102,678.13.2% 202212312023630 202212312023630 2022123138,197.021.8%202363046,538.5 2022123115,510.02.2%202363015,170.6 202212311,601.53.9%20236301,663.3 202212311,404.523.9%20236301,740.1 202212312023630特殊目的載體 20236302022123133,344.729.4%23,535.8 本集團資產的其他組成部分 202212312023630 (1) 20236302022123153,260.02.5%54,603.02022123128,141.014.4%202363024,080.5202212311,581.8345.4%20236307,045.82022123116,956.81.0%202363016,793.1 4.2負債 (1)(2) 2023630318,120.420221231313,065.91.6% 吸收存款 2023630272,161.320221231253,770.97.2% 202212312023630 (1) 已發行債券 202363019,789.42022123133,534.241.0% 賣出回購金融資產 202363021,033.42022123120,215.54.0% 4.3權益 202363023,862.52022123123,353.62.2%23,845.12022123123,335.12.2%20236301,033.02022583.9 5資產負債表外項目分析 202212312023630 表外承諾總額 202363067,266.52022123163,466.46.0% 6資產質量分析 按貸款五級分類劃分的貸款分佈情況 202212312023630 (1) 2023630183,782.9202212318,684.994.6%7,260.820221231339.23.7%3,341.42022123112.51.72%202212310.08 按擔保方式劃分的貸款分佈情況 202212312023630 (1) 按行業劃分的公司貸款分佈情況 (1)(i)ii)iii)iv)v) 2023630202363020236302022123194,509.388,780.080.9%81.0% 按行業劃分的不良公司貸款分佈情況 (1) (2)(i)(ii)(iii) 管理層討論與分析 2023630 20221231202363012.65%12.29%37.6%36.9% 2022123120236308.87%6.92%24.5%22.9% 2022123120236302.83%3.01%12.0%14.0% 按產品類型劃分的不良貸款分佈情況 (1)(2) 管理層討論與分析 202212312.52%20236302.26%202212312,759.520236302,643.4 202212312.06%20236302.29%20221231594.42023630698.