本公告僅供參考之用，並不構成收購、購買或認購證券的邀請或要約。根據計劃將予發行的票 據（定義如下）將不會根據1933年美國聯邦證券法（經修訂）登記。受制於某些例外情形，根據 計劃將予發行的票據有可能不得在美國境內或向任何美國人士（如證券法S規例定義）或為美國 人士的利益提出要約出售或者進行出售。本公告不得直接或間接於或向美國境內進行分發。 中國銀行股份有限公司 BANK OF CHINA LIMITED 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之內容概不負責，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。 （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) 海外監管公告 中國銀行股份有限公司倫敦分行（「發行人」） 在本行建立的40,000,000,000美元 中期票據計劃下發行 於2028年到期的250,000,000英鎊4.125釐利率票據 於2028年到期的1,500,000,000人民幣1.92釐利率票據 （統稱為「票據」） 本公告乃根據香港聯合交易所有限公司證券上市規 ...

格隆汇10月28日｜中国银行(601988.SH)发布2025年第三季度报告，前三季度实现营业收入4912.04亿 元，同比增长2.69%；归属于母公司所有者的净利润为1776.60亿元，同比增长1.08%。第三季度营业收 入为1622.01亿元，同比增长0.58%；归属于母公司所有者的净利润为600.69亿元，同比增长5.09%。 ...

证券代码：601988 证券简称：中国银行 中国银行股份有限公司 2025 年第三季度报告 中国银行股份有限公司董事会及全体董事保证本公告内容不存在任何虚假记载、 误导性陈述或者重大遗漏，并对其内容的真实性、准确性和完整性承担法律责任。 重要提示 1 本行董事会及董事、高级管理人员保证本报告内容的真实、准确、完整，不 存在虚假记载、误导性陈述或者重大遗漏，并承担个别和连带的法律责任。 本行法定代表人、董事长葛海蛟，行长、主管财会工作负责人张辉，财会机构 负责人文栋保证本报告中财务报告的真实、准确、完整。 本行 2025 年第三季度财务报表未经审计。 一、主要财务数据 1.1 基于中国企业会计准则编制的主要会计数据和财务指标 | 项目 | 本报告期 | 本报告期比 | 年初至 | 年初至报告期末 | | | --- | --- | --- | --- | --- | --- | | | | 上年同期 | 报告期末 | 比上年同期 | | | | | 增减 (%) | | 增减 | (%) | | 营业收入 | 162,201 | 0.58 | 491,204 | 2.69 | | | 净利润 | 63,451 ...

中国银行股份有限公司董事会审计委员会议事规则 中国银行股份有限公司董事会审计委员会议事规则 （2025 年修订） 第一章 总则 本委员会根据高级管理层、外部审计和内部审计提供的信息或资料提出监 督意见建议；高级管理层、外部审计和内部审计应保证其提供的信息真实、 准确。 第二章 委员会构成 如委员辞任将导致本委员会构成不符合法律法规、监管制度或本行章程的 规定，拟辞任的委员应当继续履行职责至新任委员产生之日。 第三章 委员会职权 1 第一条 中国银行股份有限公司（以下简称"本行"）为保障董事会下设的审计委员 会（以下简称"本委员会"）依法独立、规范、有效地行使职权，以确保该 委员会的工作效率和科学议事，根据《中华人民共和国公司法》（以下简称 《公司法》）、《中华人民共和国证券法》、《中国银行股份有限公司章程》（以 下简称"本行章程"）、《中国银行股份有限公司董事会议事规则》及其他 有关法律法规及规范性文件的规定，结合本行实际情况，制定本议事规则。 第二条 本委员会是本行董事会下设的专业委员会，在财务报告、财务报告编制程 序及相关内部控制、财务报表审计审阅、会计政策、信息披露、内部审计、 外部审计方面履行监督职责 ...

中国银行10月28日公告，2025年第三季度实现营业收入1622.01亿元，同比增长0.58%；归属于母公司所 有者的净利润600.69亿元，同比增长5.09%。前三季度实现营业收入4912.04亿元，同比增长2.69%；归 属于母公司所有者的净利润1776.6亿元，同比增长1.08%。 ...

中国银行(601988.SH)发布2025年第三季度报告，前三季度实现营业收入4912.04亿元，同比增长 2.69%；归属于母公司所有者的净利润为1776.60亿元，同比增长1.08%。第三季度营业收入为1622.01亿 元，同比增长0.58%；归属于母公司所有者的净利润为600.69亿元，同比增长5.09%。 ...

Group 1 - The core point of the news is the appointment of Liu Chenggang as the Vice President of the Bank of China, effective from October 24, 2025, following approval from the National Financial Regulatory Administration [1] - Liu Chenggang has a strong educational background with degrees in economics and applied finance from prestigious institutions, including Renmin University of China and Macquarie University [1] - Prior to his new role, Liu Chenggang held significant positions at Bank of China Hong Kong, where he served as Vice President and Chief Financial Officer, contributing to stable revenue growth during his tenure [2] Group 2 - Under Liu Chenggang's leadership, Bank of China Hong Kong reported steady revenue growth from 2022 to the first half of 2025, with operating income increasing from 54.215 billion HKD in 2022 to 40.022 billion HKD in the first half of 2025 [2] - The organizational structure of the Bank of China now includes a Vice Chairman, President, and four Vice Presidents, along with a Risk Director and a Board Secretary, indicating a well-defined leadership team [2] - For the first half of the year, the Bank of China achieved operating income of 329.4 billion CNY, a year-on-year increase of 3.61%, with a net profit after tax of 126.1 billion CNY [2] Group 3 - As of the end of the reporting period, the total assets of the Bank of China reached 36.79 trillion CNY, reflecting a year-on-year growth of 4.93%, with an increase in the proportion of high-yield assets [3] - The total liabilities of the Bank of China amounted to 33.66 trillion CNY, also showing a growth of 4.85% compared to the previous year [3] - Customer deposits as a proportion of total liabilities increased by 0.78 percentage points, indicating a stronger funding base [3]

Core Insights - China Bank (03988) reported a net profit of 189.59 billion yuan for the first three quarters of 2025, with a year-on-year growth of 1.12% for the group and 1.08% for shareholders [1][2] - The group achieved total operating income of 492.12 billion yuan, an increase of 2.72% year-on-year [1] - The non-interest income accounted for 33.80% of total operating income, with a significant year-on-year growth of 16.22% [1] Financial Performance - The average return on total assets (ROA) was 0.70%, and the return on equity (ROE) was 8.98% [1] - Net interest income decreased by 3.04% year-on-year to 325.79 billion yuan, with a net interest margin of 1.26% [1] - Non-interest income reached 166.32 billion yuan, with fees and commissions contributing 65.59 billion yuan, reflecting an 8.07% increase [1] Expense and Asset Quality - Operating expenses rose by 8.03% year-on-year to 186.58 billion yuan, resulting in a cost-to-income ratio of 26.90% [1] - The group reported asset impairment losses of 80.52 billion yuan, a decrease of 6.20% year-on-year [1] - The total non-performing loans amounted to 288.67 billion yuan, with a non-performing loan ratio of 1.24%, down by 0.01 percentage points from the previous year [2] Capital Adequacy - The core tier one capital adequacy ratio stood at 12.58%, while the tier one capital adequacy ratio was 14.66%, and the total capital adequacy ratio was 18.66% [2]

Financial Performance - The company reported operating revenue of 492.115 billion yuan for the first three quarters of 2025, a year-on-year increase of 2.72% [1][4] - Net profit attributable to shareholders was 177.660 billion yuan, reflecting a year-on-year growth of 1.08% [1][4] - The net interest margin stood at 1.26%, showing a decline compared to the previous year [1][4] - Non-interest income surged by 16.22% year-on-year, accounting for 33.8% of total revenue [1][5] Core Business Progress - Total loans increased by 11.71% year-on-year, while personal loans grew only by 0.56% [1][6] - Customer deposits rose by 6.10% year-on-year, with personal deposits growing at 8.49% [1][6] - The non-performing loan ratio was 1.24%, a slight decrease of 0.01 percentage points from the beginning of the year [1][7] Development Strategy and Capital Structure - Total assets reached 37.55 trillion yuan, up 7.10% from the beginning of the year [1][6] - The core tier 1 capital adequacy ratio was 12.58%, and the overall capital adequacy ratio was 18.66% [1][9] - Significant growth in non-interest income, with fee and commission income increasing by 8.07% [1][5] Cash Flow and Dividends - Net cash flow from operating activities decreased significantly by 69.53% to 51.226 billion yuan, primarily due to increased loan disbursements [1][9] - The company has implemented preferred stock dividends of 0.883 billion yuan, with the ordinary stock dividend plan pending approval [1][10] Future Considerations - The company faces ongoing pressure on net interest margin and the sustainability of non-interest income growth [2][11] - Asset quality changes, capital adequacy, and regulatory policy impacts are critical areas to monitor [2][11] - Cash flow fluctuations and adjustments in loan structure are also key concerns for future performance [2][11]

36氪获悉，中国银行在港交所公告，第三季度实现营收1626.97亿元，同比增长0.94%；实现本行股东应 享税后利润600.69亿元，同比增长5.09%。 ...