晋商银行：2025年中期报告

JINSHANG BANK CO., LTD. 2558 目錄 釋義 H1.00 571 6222 公司簡介 公司簡介 2 JINSHANG BANK CO., LTD.2558.HK200812 3020092282019718 H202563,882.63,040.82,086.412.96%10.27%215.00% 1115320253 14[2025]2520256 27[2025]110[2025]11120257 6 2025100039419 2021-2025 (2) (3)(4)(5)(6)(7)(8)(9)(10)(11)(12)(13)(14)=30100%(15)=100%(16)[2019]11=100% 管理層討論與分析 1 2025660,5365.3%6.4%10.2%9.5%3.83.15.5%245,4585.0%20%248,6542.8%7.5%37.4%26.3%2.9%7.2%57.3%21,8405.3%(CPI)0.1% 202511,463.73.8%6.3%7.1%5.1%9.6%2.33.8%15.9%1.4%17.8%30.1%3,854.86.1%50.1%44.3%38.0%1,633.56.3%0.1%15,7315.0% 管理層討論與分析 202568.9%M28.3%0.82.12025163.3%453.1%6020256268.67.1%12.9202568.7%7.4% 2 2025 管理層討論與分析 2026-2030 2025 管理層討論與分析 202563020246301,046.62.6%1,074.020246301,029.41,050.52.0% 3.1 202563020246302,218.88.4%2,031.5394.7207.4 20256301.13%20246300.1620256301.02%20246300.123.49%3.13%2.35%2.11% 20242025630 管理層討論與分析 (1)(2)(3)(4)(5)(6) 3.2 202563020246305,997.36.6%5,602.620246303.49%0.3620256303.13%2024630343,572.44.2%2025630358,071.3 20246304,097.87.3%20256303,798.320246304.10%20256303.71%2024630200,036.92.4%2025630204,746.8 202563020246301,152.70.2%1,150.520246 302.90%20256302.61%202463079,541.610.9%20256 3088,226.9 20256302024630258.59.5%234.020246 303.42%20256302.67%202463015,106.916.1%20256 3017,534.3 20256302024630348.821.9%272.5202463030,783.27.9%202563028,356.320246302.27%20256301.92% 管理層討論與分析 2024630118.85.7%2025630125.6202463016,688.92.5%202563017,113.5 2025630202463020.74.8%21.720246301,414.948.0%20256302,093.5 3.3 20246303,778.55.5%20256303,571.120246302.35%0.2420256302.11%2024630321,298.85.5%2025630338,940.8 20246303,279.53.1%20256303,177.420246302.35%0.2320256302.12%2024630279,045.57.5%2025630300,085.2 20246300.320256300.8202463036.22025630102.420246 301.66%20256301.56% 20246303.3100%20256 300.02024630329.699.5%20256301.7 2024630176.326.5%2025630129.6202463017,811.321.0%202563014,071.920246301.98%0.1420256301.84% 管理層討論與分析 2024630298.818.6%2025630243.120246302.71%0.5420256302.17%202463022,013.51.6%202563022,358.0 20246 3020.30.5%202563020.220246301.97%0.2320256301.74%20246302,062.712.6%20256302,321.6 3.4 20242025630 2024630290.410.8%20256 30258.92024630331.311.2%2025630294.2202463040.913.7%202563035.3 管理層討論與分析 3.5 2024630-98.925.2%20256 30-74.0 3.6 2024630352.544.5%2025630509.5 3.7 20242025630 (1)(2) 2024630920.42.2%2025630899.9 2024202563031.54%31.47% 2024630532.90.2%2025630534.2 管理層討論與分析 2024630152.31.1%2025630150.6 202463041.66.0%202563039.1 202463020.94.8%202563021.9 2024630172.710.8%2025630154.1 3.8 2025630775.02024630808.24.1% 管理層討論與分析 3.9 (1) 202463017.236.6%202563023.5 4 4.1 (1) 20241231376,305.53.2%2025630388,258.0 2025630136,608.120241231127,307.57.3% 2024123137.6%202563039.6%2024123162.4%202563060.4% 管理層討論與分析 (1) 202563034,833.52024123134,283.71.6% 202563024,590.12024123124,550.30.2% 20256305,059.2202412314,469.113.2% 20256301,464.5202412311,329.510.2%+ 20256303,719.7202412313,934.85.5% 2024123139,822.96.6%20256 3037,196.7 2025630118,862.620241231106,796.211.3% 管理層討論與分析 202412312025630 2024123120256 30 2024123156,839.20.5%202563057,108.3 2024123115,160.97.3%202563016,267.2 202412315,046.9117.9%202563010,998.9 20241231945.576.0%20256 301,664.4 管理層討論與分析 202412312025630 20256302024123121,794.97.3%23,380.0 202412312025630 (1) 20256302024123174,405.89.0%67,699.82024123128,197.920.0%202563022,557.3 管理層討論與分析 4.2 (2) 2025630359,684.320241231348,277.23.3% 2025630314,032.020241231310,327.91.2% 202412312025630 管理層討論與分析 202563025,627.62024123121,954.116.7% 202563015,014.72024123110,343.445.2% 4.3 202563028,573.72024123128,028.31.9%28,571.92024123128,017.72.0%20256301,050.52024467.1 5 202412312025630 202563051,688.42024123158,924.212.3%7,619.6 管理層討論與分析 6 202412312025630 (1) 2025630195,484.9202412 316,817.793.7%9,464.120241231282.94.5%3,689.320241231123.61.77%20241231 202412312025630 (1) 管理層討論與分析 (1)(i)(ii)(iii)(iv)(v) 20256302025630107,936.179.0% 管理層討論與分析 (1)(2)(i)(ii)(iii)(iv)(v) 2025630 2024123120256302.83%40.5%44.7%202412 311,127.920256301,228.6 2024123120256305.35%4.76%20.7%17.1%20241231577.02025630470.3 2024123120256301.57%1.33%15.5%15.7%20241231431.02025630430.9 (1) 202412312.19%20256302.01%202412312,784.520256302,747.1 202412312.28%20256302.71%20241231781.22025630942.2 管理層討論與分析 202412312025630 (1) 10%20256 306.8% (1) 20256302,252.21.1%17,939.48.6% 管理層討論與分析 2025117,326.18.3%20256307,932.1 202563020241231 (1)(i)7,322.8(ii)3.3 (2)(i)7,915.2(ii)16.9 (3)(i)6,778.3(ii)2.4 管理層討論與分析 7 8 202563020241231 26,576.126,025.5 管理層討論與分析 (1)20256302024123120241 202563012.96%20240.1211.06%20240.0910.27%20240.09 20256306.61%202412316.57%0.04202414% 9 ESG 2025 2025+ 管理層討論與分析 2025630 2025630 20251.2.3.4.5. 管理層討論與分析 管理層討論與分析 2021-2025 管理層討論與分析 ESG ESG 10 2025630 20242025630 (1) 20256301,636.46.4%59.8% 2025630136,608.1202412317.3%2025630126,189.1202412310.3% 管理層討論與分析 2025630686.74.7%25.1% 20256 303