晋商银行2024年度报告

年 度 報 告 目錄 24812586694126147152157161168169170172174176308312 釋義 釋義 201211951% 公司簡介 公司簡介 公司簡介 2 JINSHANGBANK CO.,LTD.2558.HK2008123020092282019718 H20243,763.13,008.62,014.112.84%10.18%205.46% 公司簡介 11153 20241008220241000413 2021-2025 五年會計數據及財務指標概要 (1)(2)(3)(4)(5)(6)(7)(8)(9)202420202023(10)(11)(12)(13)(14)=30×100%(15)=×100%(16)[2019]11=×100% 管理層討論與分析 1 2024 2024(GDP)1,349,0845.0%5.8%1.93.15.0%487,8953.5%7.2%514,3743.2%8.0%7.0%10.2%438,4685.0%(CPI)0.2%41,3145.3% 2024 管理層討論與分析 202425,494.72.3%0.931.4%8.4%2.4%0.73.2%1.233.4%8,180.52.5%0.1%6.7%0.532,4414.9% 2024 管理層討論與分析 202412408.38.0%(M2)313.57.3%255.77.6%123.43%0.363.11%0.8811.9%13.0%14.6%100 2 2024 + 管理層討論與分析 20252021-2025 管理層討論與分析 (1) 20241231202312312,033.910.6%1,818.2202312312,000.61,749.512.6% 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 20241231202312314,236.21.1%4,189.3137.090.1 202312311.36%0.16202412311.20%202312311.29%0.22202412311.07%202312313.72%0.35202412313.37%202312312.43%0.13202412312.30% 202320241231 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 202412312023123111,614.90.8%11,705.020231231312,038.311.4%20241231347,712.0202312313.72%0.35202412313.37% 20241231202312318,146.02.1%7,975.4202312314.26%0.34202412313.92%20231231191,373.46.3%20241231203,359.1 20241231202312312,416.64.0%2,319.8202312313.29%0.43202412312.86%2023123173,418.310.7%2024123181,248.5 2024123120231231287.275.8%504.8202312318,078.993.2%2024123115,604.4202312313.55%0.32202412313.23% 管理層討論與分析 2024123120231231499.923.8%619.12023123121,617.435.1%2024123129,203.5202312312.31%0.19202412312.12% 20231231225.57.2%20241231241.72023123116,138.12.9%2024123116,601.2202312311.40%0.06202412311.46% 202412312023123139.711.3%44.2202312311,412.220.1%202412311,695.4202312312.81%0.20202412312.61% 3.3利息支出 202312317,378.71.9%202412317,515.720231231303,357.67.6%20241231326,436.4202312312.43%0.13202412312.30% 202312316,364.63.0%202412316,553.720231231260,185.59.1%20241231283,784.2202312312.45%0.14202412312.31% 管理層討論與分析 202312311.225.0%202412310.9202312311.96%0.58202412311.38%2023123161.36.5%2024123165.3 2023123113.876.1%202412313.320231231630.772.0%20241231176.8202312312.19%0.32202412311.87% 20231231376.020.1%20241231300.42023123118,227.113.4%2024123115,778.8202312312.06%0.16202412311.90% 20231231579.65.4%20241231610.82023123122,098.79.5%2024123124,192.2202312312.62%0.10202412312.52% 2023123143.57.1%2024123146.6202312312,154.313.2%202412312,439.1202312312.02%0.11202412311.91% 管理層討論與分析 3.4手續費及佣金淨收入 202320241231 20231231702.910.8%20241231626.720231231860.918.6%20241231700.8 管理層討論與分析 3.5交易收益淨額 20231231-78.520241231115.2 3.6投資證券所得收益淨額 20231231887.08.1%20241231815.0 3.7營業支出 202320241231 (1) (2) 202312312,348.42.2%202412312,296.3 管理層討論與分析 202312311,432.42.3%202412311,399.9 20231231320.21.8%20241231314.4 2023123189.00.7%2024123188.4 2023123142.68.0%2024123146.0 20231231464.23.6%20241231447.6 管理層討論與分析 3.8信用減值損失 202412311,674.8202312311,432.017.0% 3.9所得稅費用 (1) 2023123133.3106.3%2024123168.7 管理層討論與分析 4 4.1資產 (1) 20231231361,305.04.2%20241231376,305.5 管理層討論與分析 公司貸款 20241231127,307.520231231120,284.45.8% 管理層討論與分析 2023123140.7%2024123137.6%2023123159.3%2024123162.4%2024 (1) 個人貸款 2024123134,283.72023123131,819.77.7% 管理層討論與分析 2024123124,550.32023123122,983.76.8% 202412314,469.1202312312,938.752.1% 202412311,329.5202312311,294.62.7% 202412313,934.8202312314,602.714.5% 票據貼現 2023123139,332.01.2%2024123139,822.9 20241231106,796.22023123190,815.417.6% 管理層討論與分析 2023123120241231 債券投資 2023123120241231 管理層討論與分析 2023123149,788.714.2%2024123156,839.2 2023123115,228.80.4%2024123115,160.9 202312315,357.05.8%202412315,046.9 202312311,187.120.4%20241231945.5 特殊目的載體投資 2023123120241231 202412312023123110,148.921,794.9 管理層討論與分析 2023123120241231 (1) 202412312023123184,879.912.3%74,405.8 4.2負債 (1)(2) 20241231348,277.220231231336,492.23.5% 20241231310,327.920231231288,250.47.7% 管理層討論與分析 (1) 2024123121,954.12023123121,825.90.6% 2024123110,343.42023123122,078.753.2% 4.3權益 2024123128,028.32023123124,812.813.0%28,017.72023123124,796.613.0%202412311,749.52023583.9 管理層討論與分析 5 2023123120241231 2024123158,924.22023123169,894.515.7%8,142.91,499.01,105.9 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 202320241231 (1) 20241231188,667.2202312317,741.193.6%9,181.2202312312,083.54.6%3,565.720231231153.41.77%202312310.01 管理層討論與分析 按擔保方式劃分的貸款分佈情況 202320241231 (1) 按行業劃分的公司貸款分佈情況 管理層討論與分析 202412312024123199,534.278.2% 按行業劃分的不良公司貸款分佈情況 (1) (2)(i)(ii)(iii)(iv)(v) 管理層討論與分析 20241231 20231231202412310.75%2.83%12.6%40.5%20231231327.9202412311,127.9 20231231202412316.71%5.35%23.2%20.7%20231231602.820241231577.0 20231231202412310.0%1.57%0.0%15.5%202312310.020241231431.0 202420231231894.02024123131.52023123110.56%10.20202412310.36% 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) 202312312.16%202412312.19%202312312,602.7202412312,784.5 202312312.54%202412312.28%20231231809.620241231781.2 管理層討論與分析 按地域劃分的不良貸款分佈情況 202320241231 (1) 借款人集中度 10%202412316.0