Core Viewpoint - China Bank has successfully concluded its 14th Five-Year Plan and is poised for high-quality development during the 15th Five-Year Plan, focusing on building a strong financial institution and serving the real economy [1][4]. Strategic Goals - The bank aims to align with the strategic deployment of building a financial powerhouse, acting as a key player in implementing the decisions of the Central Committee, and maintaining financial stability while promoting high-quality economic development [1][4]. Management Focus - During the 15th Five-Year Plan, China Bank will concentrate on its core responsibilities, enhance operational advantages, and intensify risk prevention and reform efforts to promote high-quality development [1][4]. Six Capability Developments - The six capabilities to be developed include: 1. Strong service capability for the real economy 2. Strong global layout capability and international competitiveness 3. Strong comprehensive customer service capability 4. Strong risk resistance capability 5. Strong integrated operation capability 6. Strong financial talent team [2][6]. Two Transformation Initiatives - The two transformation initiatives focus on accelerating digital transformation and promoting sustainable business development [3][6]. Development Goals for 2026 - The development goals for 2026 are summarized as follows: 1. Innovate to support national priorities and new productive forces 2. Optimize to consolidate advantages and support high-level opening-up 3. Improve to create value and address low-interest rate challenges 4. Strengthen to enhance the quality and efficiency of key business services 5. Stabilize to build a robust risk defense and manage internal and external challenges 6. Advance intelligence by enhancing digital capabilities and operational efficiency [3][6].

| 107 | 科技金融 | | --- | --- | | 117 | 普惠金融 | | 124 | 養老金融 | | 130 | 消費者權益保護 | | 144 | 員工 | | 159 | 公益慈善與志願服務 | 治理篇 | 173 | 發揮黨建引領作用 | | --- | --- | | 175 | 公司治理 | | 181 | 風險管理 | | 191 | 合規與商業道德 | | 195 | 數字金融 | 發揮全球化優勢專題 169 供應鏈管理 開篇 環境篇 社會篇 全力服務高水平對外開放 積極探索全球 ESG 履責 結篇 219 227 獨立鑒證報告 內容索引 01 02 07 關於中國銀行 12 董事會聲明 13 董事長致辭 15 行長致辭 17 ESG 關鍵績效表 27 可持續發展管理 51 綠色金融 （應對氣候變化） 87 綠色運營 99 生物多樣性保護 209 216 實踐 中國銀行 2025 年度可持續發展報告 釋義 | 本行 / 集團 | 中國銀行股份有限公司或其前身及（除文義另有所指外）中國銀行股份有 | 中銀航空租賃 | 中銀航空租賃有限公司，一家根據新加坡公司法在新加坡註冊成立的 ...

中國銀行股份有限公司 2025年年度 第三支柱信息披露報告 目錄 | 1 | 引言 | | 2 | | --- | --- | --- | --- | | | 1.1 | 披露依據 | 2 | | | 1.2 | 披露聲明 | 2 | | 2 | 2.1 | 風險管理、關鍵審慎監管指標和風險加權資產概覽 KM1：監管併表關鍵審慎監管指標 | 3 3 | | | 2.2 | KM2：關鍵審慎監管指標——處置集團的總損失吸收能力監管要求 | 5 | | | 2.3 | OVA：風險管理定性信息 | 6 | | | 2.4 | OV1：風險加權資產概況 | 9 | | 3 | | 資本和總損失吸收能力的構成 | 11 | | | 3.1 | CCA：資本工具和合格外部總損失吸收能力非資本債務工具的主 | 11 | | | 要特徵 | | | | | 3.2 | CC1：資本構成 | 11 | | | 3.3 | CC2：集團財務併表和監管併表下的資產負債表差異 | 15 | | | 3.4 | TLAC1：全球系統重要性銀行的總損失吸收能力構成（按處置集團） | 18 | | | 3.5 | TLAC2：重要子集團 ...

Core Viewpoint - In 2025, the Bank of China aims to strengthen its role in serving the real economy and maintaining financial stability, achieving key indicators of its 14th Five-Year Plan as scheduled [1] Financial Performance - The Bank of China achieved an operating income of 659.9 billion yuan, a year-on-year increase of 4.28%, and a net profit after tax of 257.9 billion yuan, reflecting a growth of 2.06% [3][19] - The total assets reached 38.36 trillion yuan, growing by 9.40% year-on-year, with customer loans totaling 23.45 trillion yuan, an increase of 8.61% [3][19] - The cost-to-income ratio improved to 27.84%, down by 0.93 percentage points year-on-year, indicating enhanced efficiency [3][19] Business Growth - The number of personal customers exceeded 550 million, with a significant increase in financial assets and mobile banking users surpassing 100 million [4][20] - The bank maintained a leading position in foreign exchange and cross-border financial services, handling about 25% of cross-border settlements [4][20] - The total amount of green loans exceeded 4.96 trillion yuan, growing by 27.83%, and the bank led the market in underwriting green bonds [7][23] Support for Real Economy - The bank provided 1.81 trillion yuan in new domestic RMB loans, with a growth rate of 9.90% [6][22] - Loans to the manufacturing sector reached 3.50 trillion yuan, increasing by 17.18%, while loans to strategic emerging industries grew by 30.59% [6][22] - The bank launched initiatives to support the artificial intelligence industry, collaborating with 4,460 core enterprises and providing comprehensive financial services [6][22] International Expansion - The Bank of China has a strong global presence, with total assets from overseas institutions contributing 22.18% to its profits [10][26] - The bank processed international settlements exceeding 4.45 trillion USD, maintaining a leading market position [10][27] - The bank has supported over 1,400 credit projects in countries involved in the Belt and Road Initiative, with total credit support exceeding 439 billion USD [11][27] Risk Management - The non-performing loan ratio stood at 1.23%, a decrease of 0.02 percentage points from the beginning of the year, with a provision coverage ratio of 200.37% [14][31] - The bank has established a comprehensive risk management system to address various risks effectively [14][31] Technological Advancements - The bank completed a significant upgrade of its core systems, enhancing its technological infrastructure and operational efficiency [16][33] - It has implemented over 40 strategic technology projects, reducing average delivery times by 13.4% [16][33] - The bank is actively promoting the use of artificial intelligence across various business areas, enhancing operational quality [16][33]

截至2025年末，集团资产、负债总额分别突破38万亿元、35万亿元，分别较上年末增长9.40%、 9.47%。全年实现营业收入和税后利润6,599亿元、2,579亿元，分别同比增长4.28%、2.06%；集团不良 贷款率1.23%，较上年末下降0.02个百分点。董事会建议派发2025年末期现金股利每10股1.169元，连同 已派发完毕的中期现金股利，2025年全年现金股利为每10股2.263元，派息率为30%。 格隆汇3月30日丨中国银行(03988.HK)公告，2025年，集团实现营业收入6,598.66亿元，同比增加270.95 亿元，增长4.28%；实现税后利润2,579.36亿元，同比增加52.17亿元，增长2.06%；实现本行股东应享税 后利润2,430.21亿元，同比增加51.80亿元，增长2.18%。平均总资产回报率(ROA)0.70%，净资产收益率 (ROE)8.94%。 ...

新浪财经3月30日讯，3月30日，中国银行在港交所公告，2025年，集团实现营业收入6598.66亿元，同 比增加270.95亿元，增长4.28%；实现税后利润2579.36亿元，同比增加52.17亿元，增长2.06%；实现本 行股东应享税后利润2430.21亿元，同比增加51.80亿元，增长2.18%。 ...

Group 1 - The core point of the article is that the Bank of China reported a net interest income of 440.71 billion RMB for the year, exceeding the estimated 436.27 billion RMB [1] Group 2 - The reported net interest income indicates a strong performance by the Bank of China, reflecting effective management of interest-earning assets and liabilities [1] - The positive deviation from the estimate suggests potential growth in the bank's lending activities or improved interest margins [1] - This financial result may enhance investor confidence in the bank's operational efficiency and profitability [1]

中国银行：全年资产减值损失1,030.9亿元人民币，预估999.2亿元人民币。 ...

中国银行：全年净利润2,430.2亿元人民币，预估2,401.1亿元人民币。 ...

Global Expansion and Market Position - By the end of 2025, Bank of China had established institutions in 64 countries and regions, covering 45 countries involved in the Belt and Road Initiative[4]. - Bank of China ranked 4th in the Global 1000 Banks list by The Banker and 38th in the Fortune Global 500[6]. - The bank aims to enhance its global layout capabilities and strengthen its competitive advantages in the financial sector[5]. - The bank serves over 840 million corporate clients and more than 550 million individual clients, providing comprehensive financial solutions[4]. - The bank has established 533 overseas branches covering 64 countries and regions, including 45 Belt and Road countries[148]. Financial Performance - The company reported a total operating income of RMB 632.77 billion for 2023, an increase from RMB 586.46 billion in 2022, representing an increase of approximately 7.9%[15]. - Basic earnings per share for 2023 were RMB 0.75, compared to RMB 0.70 in 2022, reflecting a growth of 7.1%[15]. - The net interest margin for 2023 was 1.40%, up from 1.33% in 2022, indicating an improvement of 5.3%[15]. - The cost-to-income ratio improved to 28.77% in 2023 from 29.05% in 2022, showing a decrease of 0.96 percentage points[15]. - The net profit after tax for the group was CNY 257.94 billion, up CNY 5.22 billion, or 2.06% year-on-year[42]. Risk Management and Asset Quality - The bank emphasizes risk prevention and control as a core theme of its operations[4]. - The non-performing loan ratio for 2023 was reported at 1.26%, a decrease from 1.33% in 2022, indicating a reduction of 5.3%[15]. - The company has maintained a non-performing loan coverage ratio of 187.05% for 2023, consistent with the previous year, indicating strong risk management[15]. - The group maintained a stable loan quality with non-performing loans totaling RMB 120.55 billion, representing 0.52% of total loans, an increase of 0.06 percentage points year-on-year[64]. Dividend and Shareholder Returns - The company plans to distribute a final dividend of RMB 1.169 per share for 2025, pending shareholder approval, which adds to the interim dividend of RMB 1.094 per share, totaling RMB 2.263 per share for the year[12]. - The group achieved a net profit after tax of CNY 257.94 billion in 2025, with the bank's shareholders entitled to a net profit of CNY 243.02 billion[83]. Technological and Green Finance Initiatives - The bank is committed to developing five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance[4]. - Bank of China has been recognized as the best green bond bank in China and the Asia-Pacific region by Global Finance[6]. - The balance of green loans amounted to RMB 49,614.55 billion, representing a year-on-year growth of 27.83%[102]. - The issuance of green financial bonds totaled RMB 300 billion, including RMB 100 billion in floating rate bonds, the largest single issuance by a commercial bank in China[102]. Customer Engagement and Digital Transformation - The number of active mobile banking users reached 105 million, a year-on-year increase of 7.11%[34]. - The bank's mobile banking wealth management product shelf optimization improved customer convenience significantly[130]. - The electronic channel transaction amount reached 389.27 trillion yuan in 2025, reflecting rapid growth in online business[200]. - The company has expanded its online service capabilities, optimizing over 140 service functions for corporate clients[200]. Corporate Social Responsibility and Community Support - The bank has received multiple awards for its corporate social responsibility initiatives and financial innovation[6]. - The group actively supported employment stability with loans for job retention increasing by over 63%[24]. - The company provided support for 17.18 million enterprises with CNY 4.82 trillion in technology loans, and issued CNY 20 billion in technology bonds[34]. International Cooperation and Cross-Border Services - The total international settlement volume for domestic institutions reached $4.45 trillion, while cross-border RMB settlement volume exceeded ¥17.7 trillion, maintaining market leadership[122]. - The bank serves as a RMB clearing bank in 16 countries and regions, with 46 direct participants in the CIPS system[168]. - The company has signed agreements with foreign institutional investors for "Bond Connect" and "Swap Connect," maintaining a trading volume exceeding 1 trillion yuan over the past three years[143]. Infrastructure and Project Financing - The company supported major infrastructure projects in the Beijing-Tianjin-Hebei region, including the Beijing-Tangshan Intercity Railway and the Xiong'an to Daxing Airport Express Line[117]. - CNY 439 billion in credit support was provided for over 1,400 projects in countries along the Belt and Road Initiative[35]. - The Ximandu iron ore project in Guinea officially commenced production in November 2025, marking it as the largest undeveloped iron ore project globally, enhancing strategic cooperation between China and Africa in mineral resources and infrastructure[171].