邮储银行2023中期报告

202383020231211 202363020222023712102.579255.742023 2023• 4110 6117 7120 9 11 16 20128 21129 40241 66245 72 88 106 1.422.513.U524.545.586.60 7.68 8.71 9.73 10.75 13.84 ᙑ່ ʮ̡ᔊʧ 46.5+ 16A+A1AAAAspcAAA2023(The Banker)100012 戰略願景 建設客戶信賴、特色鮮明、穩健安全、創新驅動、價值卓越的一流大型零售銀行 應用理念 管理理念：刪繁就簡，讓管理變輕經營理念：洞悉市場，先行一步風險理念：審慎合規是行穩之道，駕馭風險是致遠之路服務理念：竭誠竭心竭力，讓客戶滿意人才理念：尊重員工價值，開發員工潛能，成就員工夢想協同理念：胸懷全局，同心同向，共享共進 ኷ଫ֛ЗʿΆุ˖ʷ 風險合規貫穿始終 牢固樹立「全面、全程、全員」的全面風險管理理念，加快推進風險管理數字化、集約化轉型 ʮ̡ਿ͉ઋر *155 ࠅৌਕ฿ ࠅৌਕ฿ (1)(2)(3)92010(4)(5)(6) (1) (2)=/*100%1,608.1914.66%2,4001,4451,4451.49% ຾ᐄઋر฿ᚎ 5+11 本行面對複雜嚴峻的國內外經濟形勢，著力把握經濟企穩回升的向好勢頭，堅定信心、攻堅克難，保持健康平穩的發展態勢。1515.127.51%7.828.49%1414.237.48%13.304.62%495.645.20%1,771.572.03%2.08%0.81%0.03381.28%The Banker2023100012 本行積極應對行業環境的深刻變化，以「價值創造」為核心不斷提高資源配置效率，推動實現「質」和「量」同步提升的高質量發展。(RAROC)6,122.34752.692.100.472,629.89669.13AUM1.57%8BPS450200 本行堅守戰略定位，扎實服務「三農」、中小企業和城鄉居民，通過加快打造差異化的競爭優勢更好服務實體經濟，五大差異化增長極建設成效顯著，一流大型零售銀行發展步伐更加堅實。22,329.64381.321,866.915D (Digital)2U1.351,702.8217% 208.4515.016.1430%2,923.8140%1.26.56VIP5,050.596.67%1474.1111.55%AUM14.526,324.962,10085%800 本行加快創新驅動，以機制體制變革為重點，夯實發展根基，充分激發發展活力。1+N217.0815.7648.98%FPA4.215,235.1963,514640AI(OCR) 20 21 40 66 72 88 106 ᐑྤၾ࢝ૐ 2023 ৌਕజڌʱؓ 2023 1515.127.51%7.828.49%752.691414.237.48%13.304.62%58.81%2.10 495.645.20%1,771.572.03%1,403.052.33%1.3424.17%2.08%1BP0.460.02 0.81%0.03381.28% 1,771.5735.222.03%496.3824.685.23% ৌਕజڌʱؓ 1,403.0531.882.33%1.34146.18114.302.08%2.06%1BP (1)(2)(3) 2,453.1098.634.19% 1,581.1046.113.00% 1,019.171.320.13% 525.2354.6311.61%1+N20.32% ৌਕజڌʱؓ 677.6243.126.80% 99.105.055.37% 95.284.354.78% 1,050.0566.756.79% 996.1252.695.58% 1.54%9BPS10BPS 27.286.0428.44% 24.147.1341.92% ৌਕజڌʱؓ 182.033.231.81%24.17% 340.0639.3213.07%177.9060.5751.62%52.575.7012.16%1+N16.334.6139.33%15.2538.9171.84%158.0336.0929.60% 186.490.110.06%159.3028.2921.59% 13.2511.30579.49% 13.8739.5574.04%972.50 1,031.0992.759.88% 560.7664.0912.90%13.26%1.25%3BPS285.1913.965.15%54.474.609.22% ৌਕజڌʱؓ 193.1677.8328.72%167.2993.6917.3720.40 50.934.307.79% 40.2 151,231.0710,558.257.51%78,226.676,122.348.49%52,125.112,536.125.11%12,762.64123.130.97%50.14%0.5434.47%0.788.44%0.555.70%0.7658.81%2.10 ৌਕజڌʱؓ 78,226.676,122.348.49% 43,090.942,629.896.50% 27,938.21651.762.39% 13,218.851,866.9116.45%235.46 1,933.88111.226.10% ৌਕజڌʱؓ 30,728.154,034.5315.11%1,384.081+N 69.18%2.39 4,407.58542.0810.95% 52,125.112,536.125.11% 38,946.892,103.805.71%4,689.24649.1416.07% 38,891.532,195.555.98% ৌਕజڌʱؓ 38,946.892,103.805.71% 20,356.6718,081.2188.82% 142,324.169,909.487.48%133,015.915,871.064.62%4,819.331,768.1857.95% ৌਕజڌʱؓ 133,015.915,871.064.62% 118,341.345,519.374.89%14,645.07349.412.44%1.65 8,906.91648.777.86%A449.80496.38308.90 ৌਕజڌʱؓ 15 38 834.97634.17 1,450.86121.71 2,317.081,887.54 32021 6.56(AUM)14.56,0002.59%72.15%0.39 53 56 62 2.59%72.15%0.396.56(AUM)14.526,324.9611.834.31 C+1 70%11.83 3,134.699,144.78243.174,825.18 IPU+YOUNG4.61 12.262.23 ཧਯږፄุਕ 810.0940.60%17.59667.52589.45670.839.01%178.56 36UU VIP5,050.596.67%474.1111.55% 專欄 AUM 150•30020 1.10 46.90300% 443317 ཧਯږፄุਕ 1.321,866.91 2.79 2.32622.99 ++ 4,300 3,600 9.21% 412.884,369.982.05%5,669.469.21%1.83%0.12 46 ཧਯږፄุਕ APPAPP5.0APP 149.6917.088.57%92.27%48.98%6.1430%(FPA)4.215,235.1966.30%1.65284.694.18% 149.6917.088.57%30%(FPA)4.215,235.1914.09%30,728.154,034.5315.11%1,449.07323.7314,645.07349.412.44%66.30%1.33%284.694.18%71.73% ʮ̡ږፄุਕ 1+N + 48.98% 1.4939.1358.9073.887.66 SaaSSaaS 71.73% 2.0 CIPS119.30% 52.34%REITs 525.66%10.78 111.40%148.26%+++51.63%77.11% 15ETC+ ʮ̡ږፄุਕ +++ 23.64% U6.1430%2,923.8140% E ++14.65% U 22.64%72.67%U1332.98% U696.33323.73174.42% 16.51% 1+N ++++++++ ʮ̡ږፄุਕ U 2023516UUUUUUU U U U U4 U 20158202120236 2,120 3,303.103 3 204 3+G2,100140.99%75.33%65.24% ༟ږ༟၍ุਕ 5,204.1252.59%10,80523.74%10,394.4665.24% V17.31% 91251.194.39%30810 專欄 282,100 ABS329 38,946.892,103.805.71% 7,524.477 , 0 5 7 . 9 793.80% 140.99%75.33% 11.64%QDII4.40 13.40% 4 22,329.64 1.3517% 300 719.42546.36 1.35208.452.04 8324,686.74552.99160536.3757.3911.98% 2.042,329.641.321,866.91 1,352.74398.5641.77% 20231 95%725 +30040080 38 1.62% 1 719.42546.36 ፄږ౷౉ 專欄 85G +++15.941.04 eee 5D (Digital)1.3517%208.4515.01 5Ge H5++++ 20235 5D (Digital)ABCDIX ABWEB8CDI+5GX +++ ፄږ౷౉ 本行積極踐行「普惠城鄉，讓金融服務沒有距離」的使命，通過數字化賦能、集約化改革、郵銀一體協同，加快推動農村信用體系建設提質升級，助力全面推進鄉村振興，並致力於做好小微企業成長壯大的陪伴者、經濟政策的宣傳者、一線聲音的傳遞者。經過十五年深耕，本行形成以董事會戰略規劃委員會為引領、鄉村振興及普惠金融管理委員會為統籌、普惠金融事業部（小企業金融部）和三農金融事業部（鄉村振興金融部）為主體、多部門有機聯動的工作格局，搭建起獨具特色的「四三二一」服務模式1，疊加數字化「5D」服務體系，全力打造數字普惠金融新模式，不斷提升普惠金融服務專業核心能力。持續深化普惠金融領域專業研究，與經濟日報社聯合發佈「經濟日報－中國郵政儲蓄銀行小微企業運行指數」，至今已連續發佈超過8年，舉辦四屆小微經濟發展論壇，為助力中小微企業高質量發展建言獻計。 普惠金融的「先行者」 企業身邊的金融「陪伴者」 2009年，本行在河北保定試點開辦小企業貸款業務，本行保定市分行積極組織客戶經理開展市場調研，逐戶走訪轄內企業。在走訪過程中，分行了解到保定某線纜製造與銷售公司有融資需求，立即成立工作小組，結合企業實際定制融資服務方案，於2010年2月為企業授信500萬元。十餘年來，本行與客戶始終保持著良好的合作關係，本行的產品及服務得到了企業的認可，企業也在本行的金融支持下成長壯大，新建廠房