晋商银行2023年度报告

年 度 報 告2023 目錄 24812576591125146156160163170172174176178304308 釋義 釋義 201211951% 1.00 公司簡介 公司簡介 公司簡介 2 JINSHANGBANK CO.,LTD.2558.HK2008123020092282019718 H20233,613.12,810.81,914.413.17%11.14%198.71% 公司簡介 11153 2021-2025 五年會計數據及財務指標概要 (1)(2)(3)(4)(5)(6)(7)(8)(9)(10)(11)(12)(13)(14)=30×100%(15)=×100%(16)[2019]11=×100% 管理層討論與分析 1 2023 2023(GDP)1,260,5825.2%4.6%6.8%2.25.8%471,4957.2%154,26411.0%503,0363.0%10.3%7.3417,5680.2%(CPI)CPI0.2%39,2186.3% 2023 管理層討論與分析 202325,6985.0%4.6%3.6%6.2%10.9%6.35.0%7.4%1.10.60.57,9825.5%0.1%8.7%41,3274.5% 20232023(M2)2929.7%202320233789.5%23510.4%62.3%0.5 2 2023 20233,613.12,810.81,914.458.05.420.01.71.78%0.02198.71% 管理層討論與分析 2024 管理層討論與分析 20231231202212311,856.39.6%2,033.9202212311,835.42,000.69.0% 管理層討論與分析 3.1利息淨收入、淨利差及淨利息收益率 20231231202212313,593.017.9%4,236.2886.1 202212311.40%202312311.29%202212313.96%202312313.72%202212312.56%202312312.43% 202212311.32%202312311.36% 202220231231 管理層討論與分析 (1)(2)(3)(4)(5)(6) 管理層討論與分析 3.2利息收入 202312312022123110,728.88.3%11,614.920221231271,227.215.0%20231231312,038.3202212313.96%202312313.72% 20231231202212317,919.72.9%202312318,146.020221231171,930.811.3%20231231191,373.4202212314.61%202312314.26% 20231231202212312,072.916.6%202312312,416.62022123161,299.919.8%2023123173,418.3202212313.38%202312313.29% 2023123120221231102.7179.6%287.2202212314,163.094.1%202312318,078.9202212312.47%202312313.55% 管理層討論與分析 2023123120221231378.032.2%499.92022123116,573.630.4%2023123121,617.4202212312.28%202312312.31% 20221231210.87.0%20231231225.52022123115,294.95.5%2023123116,138.1 202312312022123144.711.2%39.7202212311,965.028.1%202312311,412.2 3.3利息支出 202212317,135.83.4%202312317,378.720221231278,669.88.9%20231231303,357.6202212312.56%0.13202312312.43% 202212315,687.111.9%202312316,364.620221231219,125.318.7%20231231260,185.5202212312.60%0.15202312312.45% 管理層討論與分析 2022123115.592.3%202312311.220221231793.392.3%2023123161.3202212311.95%0.01202312311.96% 202212315.1170.6%2023123113.820221231298.9111.0%20231231630.7202212311.71%0.48202312312.19% 20221231294.027.9%20231231376.02022123116,761.18.7%2023123118,227.1202212311.75%0.31202312312.06% 202212311,072.546.0%20231231579.62022123138,682.342.9%2023123122,098.7202212312.77%0.15202312312.62% 2022123161.629.4%2023123143.5202212313,008.928.4%202312312,154.3202212312.05%0.03202312312.02% 管理層討論與分析 3.4手續費及佣金淨收入 202220231231 20221231734.04.2%20231231702.920221231937.28.1%20231231860.920221231203.222.2%20231231158.0 管理層討論與分析 3.5交易收益淨額 20221231-32.520231231-78.5 3.6投資證券所得收益淨額 20221231917.63.3%20231231887.0 3.7營業支出 202220231231 (1) (2) 202212312,186.77.4%202312312,348.4 管理層討論與分析 202212311,326.88.0%202312311,432.4 20221231324.31.3%20231231320.2 2022123186.23.2%2023123189.0 2022123143.00.9%2023123142.6 20221231406.414.2%20231231464.2 管理層討論與分析 3.8信用減值損失 202312311,432.0202212311,237.915.7% 3.9所得稅費用 (1) 2022123120.959.3%2023123133.3 管理層討論與分析 4 4.1資產 (1) 20221231336,419.57.4%20231231361,305.0 管理層討論與分析 公司貸款 20231231120,284.420221231109,512.09.8% 管理層討論與分析 2022123141.0%2023123140.7%2022123159.0%2023123159.3% (1) 個人貸款 2023123131,819.72022123128,806.810.5% 管理層討論與分析 2023123122,983.72022123120,208.813.7% 202312312,938.7202212312,202.933.4%ee 202312311,294.6202212311,696.923.7% 202312314,602.7202212314,698.22.0% 票據貼現 2022123147,733.117.6%2023123139,332.0 2023123190,815.420221231102,253.711.2% 管理層討論與分析 2022123120231231 債券投資 2022123120231231 管理層討論與分析 2022123138,197.030.3%2023123149,788.7 2022123115,510.01.8%2023123115,228.8 202212311,601.5234.5%202312315,357.0 202212311,404.515.5%202312311,187.1 特殊目的載體投資 2022123120231231 202312312022123133,344.710,148.9 管理層討論與分析 2022123120231231 (1) 202312312022123153,260.059.4%84,879.92022123116,956.831.3%22,260.52022123128,141.047.5%41,514.9202212311,581.8764.5%13,674.4 管理層討論與分析 4.2負債 (1)(2) 20231231336,492.220221231313,065.97.5% 20231231288,250.420221231253,770.913.6% 管理層討論與分析 (1) 2023123121,825.92022123133,534.234.9% 2023123122,078.72022123120,215.59.2% 管理層討論與分析 4.3權益 2023123124,812.82022123123,353.66.2%24,796.62022123123,335.16.3%202312312,000.62022583.9 管理層討論與分析 5 202220231231 2023123169,894.52022123163,466.410.1%5,600.11,395.6 管理層討論與分析 6 按貸款五級分類劃分的貸款分佈情況 202220231231 (1) 20231231180,926.1202212315,828.194.5%7,097.720221231502.33.7%3,412.32022123158.41.78%202212310.02 管理層討論與分析 按擔保方式劃分的貸款分佈情況 202220231231 (1) 按行業劃分的公司貸款分佈情況 管理層討論與分析 202312312023123195,116.579.1% 按行業劃分的不良公司貸款分佈情況 (1) 管理層討論與分析 20231231 2 0 2 21 23 12 0 2 31 23 11 2 . 6 5 %10.56%37.6%34.3%202212311,038.020231231894.0 20221231202312318.87%6.71%24.5%23.2% 20221231202312312.83%4.50%12.0%17.4% 管理層討論與分析 按產品類型劃分的不良貸款分佈情況 (1) (2) 202212312.52%202312312.16%202212312,759.5202312312,602.72023 202212312.06%202312312.54%20221231594.420231231809.6 管理層討論與分析 按地域劃分的不良貸款分佈情況 202220231231 借款人集中度 10%202312318.1% (1) 管理層討論與分析 202312312,341.41.2%17,417.79.1% 貸款賬齡表 (1) 減值損失準備變動 2023115