中國銀行股份有限公司 BANK OF CHINA LIMITED （於中華人民共和國註冊成立的股份有限公司） （股份代號：3988） 回 執 為本行股本中每股面值1.00元人民幣之H股 股 之登記持有人，茲通告本行，本人╱吾等擬出席或委派代表以本人╱吾等名義出席本行於2026年 4月22日（星期三）上午9時30分假座中國北京市西城區復興門內大街1號中國銀行總行大廈舉行之 2026年第一次臨時股東會及其任何續會。 簽署： 日期： 適用於將於2026年4月22日舉行的 中國銀行股份有限公司2026年第一次臨時股東會及其任何續會 致：中國銀行股份有限公司（「本行」） 本人╱吾等 （附註1） ， 地址為 （附註2） ， 附註： 3. 請填上以 閣下名義登記的股份數目。 4. 請將此回執在填妥及簽署後於2026年4月16日（星期四）或之前以郵遞、傳真或電郵方式送達本行董事會辦 公室或H股股份過戶登記處香港中央證券登記有限公司。本行董事會辦公室的地址為中國北京市西城區復興 門內大街1號中國銀行總行大廈（郵政編號100818，電話：(8610) 6659 2638，傳真：(8610) 6659 4579，電 郵： ir@b ...

中國銀行股份有限公司 BANK OF CHINA LIMITED （於中華人民共和國註冊成立的股份有限公司） （股份代號：3988） 代表委任表格 請於下列決議案旁邊的適當空格內劃上「H」號，以顯示 閣下的投票意向。 （附註6） | | 普通決議案 | 贊成 | 反對 | 棄權 | | --- | --- | --- | --- | --- | | 1. | 選舉葛海蛟先生連任本行執行董事 | | | | | 2. | 選舉張勇先生連任本行非執行董事 | | | | | 3. | 中國銀行執行董事2024年度薪酬分配方案 | | | | | 4. | 中國銀行監事長2024年度薪酬分配方案 | | | | * 上述決議案的進一步資料列載於本行向股東寄發的日期為2026年3月30日的通函內。 簽名： （附註7） 日期： 年 月 日 附註： 1. 請用正楷填上姓名。 2. 請用正楷填上地址。 3. 請填上以 閣下名義登記的股份數目。如未有填上股數，則本代表委任表格將被視為與全部以 閣下名義登記的本行股份有關。 4. 凡有權出席股東會並在會上投票的股東均有權委派一位或數位代表出席，並代其投票。受委任代表毋須為本行股 ...

Financial Data and Key Indicators Changes - Operating income reached approximately RMB 659.9 billion, an increase of 4.28% year-on-year, with cumulative year-on-year growth over 11 quarters ranking among the top in peer groups [5] - Net profit and net profit attributable to shareholders grew by 2.06% and 2.18% respectively, with growth improving quarter-over-quarter [6] - NIM stood at 1.36%, remaining stable quarter-over-quarter since mid-2025 [6] - The cost-to-income ratio fell by 0.93 percentage points year-over-year, indicating improved operational efficiency [6] Business Line Data and Key Indicators Changes - Non-interest income increased by 19.21% year-on-year, maintaining a high proportion of 63.33% of operating income, up by 4.16 percentage points year-over-year [6] - Domestic RMB loans increased by RMB 1.81 trillion, up by 9.9%, with significant growth in technology loans and green loans [9][10] - Wealth management, settlement and clearing, and custody financial market trading saw rapid growth, supporting overall performance [7] Market Data and Key Indicators Changes - Group total assets reached RMB 36.8 trillion, up 9.4% from last year, while total liabilities reached about RMB 35.15 trillion, up 9.47% [7] - NPL ratio stood at 1.23%, down by 0.02 percentage points from last year, maintaining the best level among peers [8] - The watchlist ratio remained stable at 1.47%, and the provision coverage ratio was about 237% [8] Company Strategy and Development Direction - The company aims to support high-quality development of the real economy, focusing on technology, innovation, and inclusive finance [9][10] - The strategic goal for the 15th Five-Year Plan period includes enhancing globalization, improving customer service capabilities, and strengthening risk management [26][30] - The company plans to accelerate digital transformation and sustainable development, with a focus on AI and technology empowerment [17][20] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in maintaining stable asset quality despite external challenges, with a focus on proactive risk management [77][80] - The company anticipates a narrowing decline in net interest margin and positive growth in net interest income in 2026 [57] - The management highlighted the importance of aligning with national strategies and enhancing support for the real economy [19][26] Other Important Information - The company completed a capital replenishment of RMB 165 billion, with a CAR reaching 18.85%, the highest year-end level historically [8] - The company has provided national student loans for 26 consecutive years, benefiting over 2 million students [17] Q&A Session All Questions and Answers Question: Strategic planning and business strategy for the 15th Five-Year Plan - Management emphasized the importance of aligning with national strategies and focusing on high-quality development while maintaining stability [26][27] Question: Growth trend and structural changes of deposits - Management indicated that the maturity of time deposits would have a limited impact on deposit growth, with a focus on customer retention and improving service quality [46][49] Question: NIM trends and pressures - Management noted that while NIM decreased by 14 basis points, they expect a narrowing decline in 2026, supported by improved asset allocation and cost management [55][57] Question: Growth of commission rate and non-interest income - Management reported a 19.2% increase in non-interest income, driven by wealth management and payment services, and expects continued growth in 2026 [64][67] Question: Outlook on asset quality performance - Management expressed confidence in maintaining stable asset quality, despite challenges in the real estate market and personal loans, with proactive risk management strategies in place [77][80] Question: Opportunities and challenges in global operations - Management highlighted globalization as a key strategy, aligning with national development plans and focusing on enhancing international competitiveness [85][87]

Financial Data and Key Metrics Changes - Operating income reached approximately RMB 659.9 billion, an increase of 4.28% year-on-year, with cumulative year-on-year growth over 11 quarters ranking among the top in peer groups [5] - Net profit and net profit attributable to shareholders grew by 2.06% and 2.18% respectively, with growth improving quarter-over-quarter [6] - Net interest margin (NIM) stood at 1.36%, remaining stable quarter-over-quarter since mid-2025 [6] - Cost-to-income ratio fell by 0.93 percentage points year-over-year, indicating improved operating efficiency [6] - Total assets reached RMB 36.8 trillion, up 9.4% from last year, while total liabilities reached about RMB 35.15 trillion, up 9.47% [7] Business Line Data and Key Metrics Changes - Non-interest income increased by 19.21% year-on-year, maintaining a high proportion of 63.33% of operating income, up by 4.16 percentage points year-over-year [6] - Wealth management, settlement and clearing, and custody financial market trading saw rapid growth, contributing to overall performance [7] - Domestic RMB loans increased by RMB 1.81 trillion, up by 9.9%, with significant growth in technology loans and green loans [9][10] Market Data and Key Metrics Changes - Overseas pre-tax profit contribution increased to 27.99%, indicating strengthened international competitiveness [11] - Domestic institution handled international settlement of $4.45 trillion, up by 9.56%, with cross-border e-commerce settlement reaching $1.18 trillion, up by 45.07% [11] - The custody network covered over 100 countries and regions, maintaining the top scale among Chinese peers [12] Company Strategy and Development Direction - The company aims to align with national strategies, focusing on high-quality support for the real economy and enhancing international competitiveness [19][27] - Key areas of focus include technology innovation, strategic emerging industries, and optimizing investment structures [19][34] - The company plans to accelerate digital transformation and deepen intelligent empowerment, enhancing operational efficiency [17][20] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in maintaining stable asset quality, with an NPL ratio of 1.23%, the lowest among peers [8][77] - The company anticipates challenges from the real estate market and geopolitical conflicts but remains optimistic about long-term economic fundamentals [80] - The outlook for 2026 includes a focus on optimizing asset and liability management to mitigate pressures from the low interest rate environment [57][58] Other Important Information - The company completed a capital replenishment of CNY 165 billion, with a capital adequacy ratio (CAR) reaching 18.85%, the highest historically [8] - The company has provided national student loans for 26 consecutive years, benefiting over 2 million students [18] Q&A Session All Questions and Answers Question: Strategic planning and business strategy for the Fifteenth Five-Year Plan - Management highlighted the importance of aligning with national strategies and focusing on high-quality development while serving the real economy [26][27] Question: Growth trend and structural changes of deposits - Management indicated that the maturity of time deposits would have a limited impact on deposit growth, with a high rollover ratio observed [46][48] Question: NIM trends and pressures - Management noted that NIM was 1.26%, with expectations for a narrowing decline in 2026, supported by improved asset allocation and liability management [55][57] Question: Growth of commission rate and non-interest income - Management reported a 19.2% increase in non-interest income, driven by wealth management and payment services, with expectations for continued growth in 2026 [64][70] Question: Outlook on asset quality performance - Management expressed confidence in maintaining stable asset quality, with proactive measures in place to manage risks in key sectors [77][80] Question: Opportunities and challenges in global operations - Management emphasized the importance of globalization as a core strategy, aligning with national development plans to seize opportunities while addressing challenges [85][87]

Financial Data and Key Metrics Changes - Operating income reached approximately RMB 659.9 billion, an increase of 4.28% year-on-year, with cumulative year-on-year growth over 11 quarters ranking among the top in peer groups [3] - Net profit and net profit attributable to shareholders grew by 2.06% and 2.18% respectively, with growth improving quarter-over-quarter [4] - Net interest margin (NIM) stood at 1.36%, remaining stable quarter-over-quarter since mid-2025 [4] - Cost-to-income ratio fell by 0.93 percentage points year-over-year, indicating improved operating efficiency [4] - Total assets reached RMB 36.8 trillion, up 9.4% from last year, while total liabilities increased to about RMB 35.15 trillion, up 9.47% [5] Business Line Data and Key Metrics Changes - Non-interest income increased by 19.21% year-over-year, maintaining a high proportion of 63.33% of operating income, up by 4.16 percentage points year-over-year [4] - Wealth management, settlement and clearing, and custody financial market trading saw rapid growth, contributing significantly to overall performance [5] - Domestic RMB loans increased by RMB 1.81 trillion, up by 9.9%, with technology loan balances growing by 18.78% [8][9] Market Data and Key Metrics Changes - Overseas pre-tax profit contribution increased to 27.99%, with international settlement volume reaching $4.45 trillion, up by 9.56% [10] - Cross-border e-commerce settlement reached $1.18 trillion, up by 45.07% [10] - The custody network covered over 100 countries and regions, maintaining the top scale among Chinese peers [11] Company Strategy and Development Direction - The company aims to align with national strategies, focusing on high-quality support for the real economy and enhancing international competitiveness [18][24] - Key areas of focus include technology innovation, strategic emerging industries, and promoting sustainable development [18][32] - The company plans to enhance digital transformation and intelligent empowerment, applying smart contracts and AI in various operations [32][38] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in maintaining stable asset quality, with the NPL ratio at 1.23%, the lowest among peers [66] - The company anticipates challenges from the real estate market and personal loan business but remains optimistic about long-term economic fundamentals [68] - Management emphasized the importance of balancing development and security while responding to external risks [70] Other Important Information - The company completed a capital replenishment of CNY 165 billion, with a capital adequacy ratio (CAR) reaching 18.85%, the highest year-end level historically [6] - The company has provided national student loans for 26 consecutive years, benefiting over 2 million students [16] Q&A Session All Questions and Answers Question: Strategic planning and business strategy for the Fifteenth Five-Year Plan - Management highlighted the importance of aligning with national strategies and focusing on core responsibilities, emphasizing the need for strong capabilities in serving the real economy and enhancing global competitiveness [24][26] Question: Growth trend and structural changes of deposits - Management noted that domestic RMB deposits showed steady growth, with a high rollover ratio of time deposits, and emphasized the importance of customer-centric strategies to improve deposit quality [39][40] Question: NIM trends and pressures - Management acknowledged the challenges posed by the low interest rate environment but expressed confidence in maintaining a stable NIM through effective asset and liability management [48][49] Question: Growth of non-interest income - Management reported a significant increase in non-interest income, driven by wealth management and global custody capabilities, and expressed optimism for continued growth in 2026 [55][56] Question: Outlook on asset quality performance - Management assured that asset quality remains stable, with proactive measures in place to manage risks, particularly in the real estate and personal loan sectors [66][68] Question: Opportunities and challenges in global operations - Management emphasized the importance of globalization as a core strategy, aligning with national development plans and leveraging traditional advantages in trade finance [72][73]

此乃要件 請即處理 閣下如對本通函任何方面或應採取的行動有任何疑問，應諮詢 閣下的持牌證券商、銀行經理、律師、專 業會計師或其他專業顧問。 閣下如已將名下全部中國銀行股份有限公司（「本行」）股份售出或轉讓，應立即將本通函及隨附的代表委 任表格及回執交予買方或承讓人，或送交經手買賣或轉讓的銀行、持牌證券商或其他代理商，以便轉交買 方或承讓人。 香港交易及結算所有限公司及香港聯合交易所有限公司對本通函的內容概不負責，對其準確性或完整性亦 不發表任何聲明，並明確表示，概不對因本通函全部或任何部分內容而產生或因倚賴該等內容而引致的任 何損失承擔任何責任。 中國銀行股份有限公司 BANK OF CHINA LIMITED （於中華人民共和國註冊成立的股份有限公司） （股份代號：3988） 2026年第一次臨時股東會 中國銀行股份有限公司謹訂於2026年4月22日（星期三）上午9時30分（將於上午8時30分開始辦理登記手 續）假座中國北京市西城區復興門內大街1號中國銀行總行大廈舉行2026年第一次臨時股東會（「臨時股東 會」），臨時股東會之通告載於本通函的第4至第8頁。 不論 閣下能否出席臨時股東會，務請細閱臨時股東會通 ...

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其準確性 或完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何部分內容而產生或因倚 賴該等內容而引致之任何損失承擔任何責任。 中國銀行股份有限公司 BANK OF CHINA LIMITED （於中華人民共和國註冊成立的股份有限公司） （股份代號：3988） 2026年第一次臨時股東會通告 茲通告中國銀行股份有限公司（「本行」）謹訂於2026年4月22日（星期三）上午9時 30分（將於上午8時30分開始辦理登記手續）假座中國北京市西城區復興門內大街1 號中國銀行總行大廈舉行2026年第一次臨時股東會（「臨時股東會」），以考慮及批 准下列各項決議案。除文義另有所指外，本通告專有詞彙與本行日期為2026年3 月30日的通函（「通函」，當中包括本通告）所定義者具有相同涵義。 於本通告日期，本行董事為葛海蛟、張輝、劉進、蔡釗、張勇*、黃秉華*、劉輝*、師永彥*、 樓小惠*、李子民*、讓•路易•埃克拉 # 、喬瓦尼•特里亞 # 、劉曉蕾 # 、張然 # 、高美懿 # 、胡展雲 # 。 1 普通決議案 中國銀行股份有限公司 董事會 中國， ...

Core Insights - In 2025, the Bank of China achieved an operating income of 659.9 billion yuan, reflecting a year-on-year growth of 4.28% [1] - The bank's net profit after tax reached 257.9 billion yuan, with shareholder net profit at 243 billion yuan, showing increases of 2.06% and 2.18% respectively, with growth rates improving compared to the first three quarters [1] Financial Performance - As of the end of 2025, the total assets of the Bank of China amounted to 38.36 trillion yuan, representing a growth of 9.40% from the previous year [1] - The total customer loans reached 23.45 trillion yuan, marking an 8.61% increase year-on-year [1] - The total financial investments stood at 9.66 trillion yuan, with a significant growth of 15.54% compared to the previous year [1] - The total liabilities were 35.15 trillion yuan, up by 9.47% from the end of the previous year [1] - Customer deposits totaled 26.18 trillion yuan, reflecting an 8.18% increase year-on-year [1] Customer Growth and Engagement - The Bank of China implemented targeted strategies for small and micro enterprises, resulting in a 13.88% growth in the total number of corporate clients by the end of 2025 [1] - The number of individual customers exceeded 550 million, with a steady increase in individual financial assets [1] - Monthly active users of the personal mobile banking app surpassed 100 million [1]

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其準確性 或完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何部分內容而產生或因倚 賴該等內容而引致之任何損失承擔任何責任。 中國銀行股份有限公司 BANK OF CHINA LIMITED （於中華人民共和國註冊成立的股份有限公司） （「本行」） （股份代號：3988） 公告 董事會決議 本行董事會審計委員會已審議通過中國銀行2025年年度報告中的財務報告， 同意提交董事會。 詳情請查閱本行同日刊登在香港交易及結算所有限公司網站 ( www.hkexnews.hk )和本行網站( www.boc.cn )的有關內容。 1 二、中國銀行2025年年度第三支柱信息披露報告 贊成：16 反對：0 棄權：0 本行於2026年3月30日在北京以現場表決方式召開董事會會議，會議通知於2026 年3月16日通過書面及電子郵件方式送達至本行所有董事。本次會議由董事長葛 海蛟先生主持，會議應出席董事16名，親自出席董事15名。執行董事劉進先生因 其他重要公務未能親自出席會議，委託執行董事蔡釗先生代為出席並表決。高級 管理層成員列席了會議。會議 ...

EF002 免責聲明 | 香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其準確性或完整性亦不發表任何聲明，並明確表示，概不對因 | | | --- | --- | | 公告全部或任何部份內容而產生或因倚賴該等內容而引致的任何損失承擔任何責任。 | | | | 股票發行人現金股息（可選擇貨幣）公告 | | 發行人名稱 | 中國銀行股份有限公司 | | 股份代號 | 03988 | | 多櫃檯股份代號及貨幣 | 不適用 | | 相關股份代號及名稱 | 不適用 | | 公告標題 | 建議派發截至2025年12月31日止年度之末期股息 | | 公告日期 | 2026年3月30日 | | 公告狀態 | 新公告 | | 股息信息 | | | 股息類型 | 末期 | | 股息性質 | 普通股息 | | 財政年末 | 2025年12月31日 | | 宣派股息的報告期末 | 2025年12月31日 | | 宣派股息 | 每 10 股 1.169 RMB | | 股東批准日期 | 有待公佈 | | 香港過戶登記處相關信息 | | | 派息金額及公司預設派發貨幣 | HKD， 金額有待公佈 | | 匯率 ...