监事会决议公告 中国工商银行股份有限公司监事会及全体监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。 中国工商银行股份有限公司（简称本行）监事会于 2024 年 10 月 17 日以书 面形式发出会议通知，于 2024 年 10 月 30 日在北京市西城区复兴门内大街 55 号本行总行召开会议。会议应出席监事 3 名，亲自出席 3 名。鉴于本行监事长 空缺，监事会成员共同推举张杰监事主持会议。会议召开和议案审议程序符合 有关法律法规、《中国工商银行股份有限公司章程》及《中国工商银行股份有限 公司监事会议事规则》等规定。 会议审议通过以下议案： 一、关于 2024 年第三季度报告的议案 监事会审议认为，本行 2024 年第三季度报告的编制和审核程序符合有关法 律、行政法规和监管规定，报告内容真实、准确、完整地反映了本行实际情况。 议案表决情况：有效表决票 3 票，同意 3 票，反对 0 票，弃权 0 票。 二、关于 2023 年度监事薪酬清算方案的议案 证券代码：601398 证券简称：工商银行 公告编号：临 2024-054 号 中国工商银行股 ...

Financial Performance - Operating income for Q3 2024 was RMB 205,923 million, a year-on-year increase of 1.05%[3] - Net profit attributable to shareholders of the parent company for Q3 2024 was RMB 98,558 million, up 3.82% year-on-year[3] - Net profit for the first three quarters of 2024 reached 270.475 billion yuan, a year-on-year increase of 0.20%[15] - Net profit attributable to the parent company's shareholders for the first nine months of 2024 was RMB 269,025 million, slightly higher than RMB 268,673 million in the same period of 2023[24] - Net profit for the first nine months of 2024 was RMB 270,475 million, slightly up from RMB 269,929 million in the same period of 2023[31] - Net profit for the first nine months of 2024 was RMB 251,449 million, compared to RMB 252,360 million in the same period of 2023[34] - Net profit for the first nine months of 2024 was RMB 251,449 million, slightly down from RMB 252,360 million in the same period of 2023[39] Assets and Liabilities - Total assets as of September 30, 2024, reached RMB 48,357,755 million, an 8.19% increase from the end of 2023[5] - Total assets at the end of the reporting period were 48,357.755 billion yuan, an increase of 8.19% compared to the end of the previous year[16] - Total assets increased to RMB 48.357755 trillion as of September 30, 2024, up from RMB 44.697079 trillion at the end of 2023[22] - Total assets increased to RMB 46,387,600 million as of September 30, 2024, up from RMB 42,892,234 million at the end of 2023[32] - Total liabilities were 44,435.477 billion yuan, an increase of 8.59% compared to the end of the previous year[17] - Total liabilities rose to RMB 42,677,131 million, up from RMB 39,304,461 million at the end of 2023[33] Cash Flow - Net cash flow from operating activities for the first nine months of 2024 was RMB 1,077,248 million, a decrease of 43.57% compared to the same period in 2023[7] - Net cash flow from operating activities decreased to RMB 1,077,248 million in the first nine months of 2024, compared to RMB 1,909,119 million in the same period of 2023[28] - Net cash flow from operating activities decreased to RMB 759,718 million in the first nine months of 2024, compared to RMB 1,835,240 million in the same period of 2023[36] - Net cash flow from investing activities was negative at RMB 1,129,281 million in the first nine months of 2024, compared to negative RMB 695,857 million in the same period of 2023[29] - Net cash flow from investing activities was negative at RMB 1,109,358 million in the first nine months of 2024, compared to negative RMB 670,022 million in the same period of 2023[37] - Net cash flow from financing activities increased to RMB 339,970 million in the first nine months of 2024, compared to RMB 134,063 million in the same period of 2023[30] - Net cash flow from financing activities increased to RMB 368,496 million in the first nine months of 2024, compared to RMB 143,378 million in the same period of 2023[38] Earnings and Dividends - Basic earnings per share for Q3 2024 were RMB 0.25, a 4.17% increase year-on-year[3] - Basic earnings per share for the first nine months of 2024 were RMB 0.72, consistent with the same period of 2023[27] - Distributed cash dividends of RMB 3.064 per 10 shares for 2023, totaling approximately RMB 109.203 billion[20] - Proposed interim cash dividend of RMB 1.434 per 10 shares for 2024, subject to shareholder approval[20] - Distributed RMB 2.94 billion in dividends for "ICBC You 2" at a coupon rate of 4.2% on September 24, 2024[21] - Distributed USD 115.36 million in dividends for overseas USD preferred shares at a rate of 3.58% on September 23, 2024[21] Capital and Risk Management - Core tier 1 capital adequacy ratio was 13.95%, tier 1 capital adequacy ratio was 15.23%, and capital adequacy ratio was 19.25%, all meeting regulatory requirements[17] - Issued RMB 50 billion perpetual capital bonds in July 2024 to supplement Tier 1 capital[18] - Issued RMB 50 billion and RMB 40 billion Tier 2 capital bonds in August and October 2024 respectively to supplement Tier 2 capital[18] - Redeemed RMB 80 billion perpetual capital bonds issued in 2019 at par value in July 2024[18] - Core Tier 1 Capital increased to RMB 3,564,519 million as of September 30, 2024, up from RMB 3,477,144 million in June 2024[42] - Total Risk-Weighted Assets reached RMB 25,546,153 million as of September 30, 2024, compared to RMB 25,123,488 million in June 2024[42] - Core Tier 1 Capital Adequacy Ratio stood at 13.95% as of September 30, 2024, slightly higher than 13.84% in June 2024[42] - Leverage Ratio decreased to 7.71% as of September 30, 2024, from 7.80% in June 2024[42] - Liquidity Coverage Ratio improved to 138.20% as of September 30, 2024, up from 133.65% in June 2024[42] - Net Stable Funding Ratio increased to 129.66% as of September 30, 2024, compared to 128.26% in June 2024[42] - Credit Risk Exposure (excluding counterparty credit risk) was RMB 23,185,527 million as of September 30, 2024, up from RMB 22,654,841 million in June 2024[43] - Market Risk Exposure decreased to RMB 477,675 million as of September 30, 2024, from RMB 585,696 million in June 2024[43] - Operational Risk Exposure remained stable at RMB 1,882,951 million as of September 30, 2024, unchanged from June 2024[43] - Adjusted On- and Off-Balance Sheet Assets totaled RMB 50,447,695 million as of September 30, 2024, up from RMB 49,146,136 million in June 2024[45] - Adjusted on-balance sheet assets (excluding derivatives and securities financing transactions) increased to RMB 47,546,724 million as of September 30, 2024, up from RMB 46,611,944 million as of June 30, 2024[46] - Derivatives asset balance rose to RMB 454,258 million as of September 30, 2024, compared to RMB 407,038 million as of June 30, 2024[46] - Securities financing transactions asset balance increased to RMB 1,281,171 million as of September 30, 2024, up from RMB 926,243 million as of June 30, 2024[46] - Adjusted off-balance sheet items decreased slightly to RMB 2,080,986 million as of September 30, 2024, from RMB 2,102,671 million as of June 30, 2024[47] - Tier 1 capital net amount grew to RMB 3,889,547 million as of September 30, 2024, compared to RMB 3,832,172 million as of June 30, 2024[47] - Leverage ratio improved to 7.71% as of September 30, 2024, from 7.80% as of June 30, 2024[47] - High-quality liquid assets (HQLA) stood at RMB 8,724,549 million as of September 30, 2024[48] - Total expected cash outflows amounted to RMB 10,025,512 million as of September 30, 2024[49] - Total expected cash inflows were RMB 3,710,684 million as of September 30, 2024[49] - Liquidity coverage ratio (LCR) was 138.20% as of September 30, 2024[49] Shareholder Information - The total number of ordinary shareholders as of the end of the reporting period was 680,869, with 106,165 H-share holders and 574,704 A-share holders[8] - Central Huijin Investment Limited remains the largest shareholder with a 34.79% stake in A-shares[9] - The Ministry of Finance of the People's Republic of China holds a 31.14% stake in A-shares[9] - Hong Kong Securities Clearing (Nominees) Limited holds a 24.18% stake in H-shares[9] Loan and Deposit Information - Customer loans and advances totaled 28,095.905 billion yuan, an increase of 7.70% compared to the end of the previous year[16] - Customer deposits were 34,592.836 billion yuan, an increase of 3.20% compared to the end of the previous year[17] - Customer deposits grew to RMB 34.592836 trillion as of September 30, 2024, compared to RMB 33.521174 trillion at the end of 2023[23] - Customer loans and advances grew to RMB 26,553,691 million, compared to RMB 24,618,384 million at the end of 2023[32] - Customer deposits increased to RMB 33,648,919 million, up from RMB 32,621,398 million at the end of 2023[33] Income and Expenses - Interest income was 476.732 billion yuan, a decrease of 4.94% year-on-year[15] - Non-interest income was 149.690 billion yuan, a slight decrease of 0.03% year-on-year[15] - Net interest income for the first nine months of 2024 was RMB 476,732 million, compared to RMB 501,526 million in the same period of 2023[24] - Net fee and commission income for the first nine months of 2024 was RMB 90,323 million, a decrease from RMB 99,231 million in the same period of 2023[24] - Investment income for the first nine months of 2024 was RMB 31,086 million, compared to RMB 37,611 million in the same period of 2023[24] - Other comprehensive income for the first nine months of 2024 was RMB 25,496 million, compared to RMB 10,526 million in the same period of 2023[25] - Total comprehensive income for the first nine months of 2024 was RMB 295,971 million, up from RMB 280,455 million in the same period of 2023[25] - Operating expenses for the first nine months of 2024 were RMB 318,931 million, slightly lower than RMB 338,065 million in the same period of 2023[24] - Credit impairment losses for the first nine months of 2024 were RMB 128,945 million, a decrease from RMB 147,575 million in the same period of 2023[24] - Foreign exchange and exchange rate product net loss for the first nine months of 2024 was RMB 4,692 million, compared to a loss of RMB 7,573 million in the same period of 2023[24] - Credit impairment losses decreased to RMB 126,358 million in the first nine months of 2024, compared to RMB 145,849 million in the same period of 2023[39] - Interest and commission income received in cash was RMB 949,847 million in the first nine months of 2024, slightly down from RMB 951,383 million in the same period of 2023[28] - Payments for interest and commissions in cash increased to RMB 555,634 million in the first nine months of 2024, compared to RMB 480,415 million in the same period of 2023[28] - Interest and commission income from customers remained stable at RMB 897,456 million in the first nine months of 2024, compared to RMB 898,126 million in the same period of 2023[36] Asset Quality - Non-performing loan balance was 377.955 billion yuan, with a non-performing loan ratio of 1.35%, down 0.01 percentage points[17] - Provision coverage ratio was 220.30%, an increase of 6.33 percentage points[17] Bond Issuance and Redemption - Issued RMB 50 billion perpetual capital bonds in July 2024 to supplement Tier 1 capital[18] - Issued RMB 50 billion and RMB 40 billion Tier 2 capital bonds in August and October 2024 respectively to supplement Tier 2 capital[18] - Redeemed RMB 80 billion perpetual capital bonds issued in 2019 at par value in July 2024[18] - Reset the coupon rate of "ICBC You 2" to 3.02% starting from September 24, 2024[19] - Issued debt securities rose to RMB 1,800,490 million, compared to RMB 1,250,598 million at the end of 2023[33] - The company issued debt securities worth RMB 1,479,150 million in the first nine months of 2024, up from RMB 967,743 million in the same period of 2023[38] Liquidity and Cash Management - Cash and cash equivalents at the end of the period were RMB 3,034,512 million, a decrease from RMB 3,311,553 million at the end of the same period in 2023[30] - The company's cash and cash equivalents at the end of September 2024 stood at RMB 2,621,146 million, down from RMB 2,877,077 million at the end of September 2023[38] - Net cash received from customer deposits was RMB 1,108,167 million in the first nine months of 2024, compared to RMB 3,972,512 million in the same period of 2023[28] - Net cash used in client loans and advances was RMB 2,077,370 million in the first nine months of 2024, compared to RMB 2,543,836 million in the same period of 2023[28] - Net cash received from issuance of debt securities was RMB 1,502,253 million in the first nine months of 2024, up from RMB 981,768 million in the same period of 2023[30] - The company's total cash inflow from operating activities was RMB 3,878,060 million in the first nine months of 2024, down from RMB 5,739,319 million in the same period of 2023[36] - The company's total cash outflow from operating activities was RMB 3,118,342 million in the first nine months of 2024, down from RMB 3,904,079 million in the same period of 2023[36] Financial Investments - Financial investments measured at fair value through profit or loss increased to RMB 12,394,374 million, up from RMB 11,011,574 million at the end of 2023[32]

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，概不就因本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之任何損失承擔任 何責任。 中國工商銀行股份有限公司 INDUSTRIAL AND COMMERCIAL BANK OF CHINA LIMITED 一、主要財務數據 （於中華人民共和國註冊成立的股份有限公司） 股份代號：1398 美元優先股股份代號：4620 中國工商銀行股份有限公司 二〇二四年第三季度報告 中國工商銀行股份有限公司（「本行」）董事會宣佈本行及其子公司（「本集團」）截至2024 年9月30日止第三季度的業績。本公告乃根據《證券及期貨條例》（香港法例第571章）第 XIVA部及《香港聯合交易所有限公司證券上市規則》第13.09條的要求而作出。 重要內容提示： 本行董事會、監事會及董事、監事、高級管理人員保證季度報告內容的真實、準確、完 整，不存在虛假記載、誤導性陳述或重大遺漏，並承擔個別和連帶的法律責任。 本行法定代表人廖林、主管財會工作負責人劉珺及財會機構負責人許志勝保證本季度報 告中財務信息的真實、準確、完整。 ...

特此公告。 中国工商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。 经相关监管机构批准，中国工商银行股份有限公司（简称本行）2024 年二 级资本债券（第二期）（债券通）（简称本期债券）已于近日在全国银行间债券市 场发行完毕。 本期债券发行规模为人民币 400 亿元，品种为 10 年期固定利率债券，在第 5 年末附有条件的发行人赎回权，票面利率为 2.37%。 本期债券募集的资金将依据适用法律和监管部门的批准，补充本行的二级资 本。 证券代码：601398 证券简称：工商银行 公告编号：临 2024-052 号 中国工商银行股份有限公司 关于 2024 年二级资本债券（第二期）（债券通） 发行完毕的公告 中国工商银行股份有限公司董事会 二〇二四年十月二十八日 ...

证券代码：601398 证券简称：工商银行 公告编号：临 2024-051 号 中国工商银行股份有限公司 关于召开 2024 年第三季度业绩说明会的公告 中国工商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。 重要内容提示： 【英文线路】中国内地：+86-4001510269，中国香港：+852-800931266 参会密码：694086 ● 投资者可于 2024 年 10 月 28 日（星期一）17:00 前将相关问题通过电子 邮件的形式发送至本行邮箱：QA@icbc.com.cn，或在会议召开时提问。 中国工商银行股份有限公司（简称本行）拟于 2024 年 10 月 30 日披露 2024 年第三季度业绩。为了便于广大投资者全面深入地了解本行 2024 年第三季度业 绩和经营情况，本行拟于 2024 年 10 月 30 日召开业绩说明会。 一、业绩说明会类型 本次业绩说明会将通过电话会议的方式召开。 二、业绩说明会召开的时间和方式 三、参加人员 姚明德副行长、相关业务部门负责人。 四、投资者参加方式 （一）投资 ...

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，概不就因本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之任何損失承擔任 何責任。 中國工商銀行股份有限公司 INDUSTRIAL AND COMMERCIAL 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：1398 美元優先股股份代號：4620 董事會會議召開日期 中國工商銀行股份有限公司（「本行」）董事會（「董事會」）宣佈，本行將於2024年10月30 日（星期三）舉行董事會會議，以批准本行截至2024年9月30日止九個月的業績，以及本 行優先股股息分配等事宜。 中國工商銀行股份有限公司 董事會 中國，北京 2024年10月18日 於本公告刊發日期，董事會成員包括執行董事廖林先生、劉珺先生和王景武先生；非執行董事盧永真先生、馮衛東 先生、曹利群女士、陳怡芳女士、董陽先生和鐘蔓桃女士；獨立非執行董事沈思先生、胡祖六先生、陳德霖先 生、赫伯特•沃特先生和莫里•洪恩先生。 ...

Investment Rating - The investment rating for Industrial and Commercial Bank of China (ICBC) is "Overweight" with a price target of HK$5.60 [1][3][11]. Core Viewpoints - The report indicates that ICBC is well-positioned for earnings growth due to strong balance sheet liquidity and a healthy net interest income growth trend [2][5]. - The earnings forecast has been revised down due to expected net interest margin (NIM) contraction influenced by mortgage rate cuts and LPR cuts, leading to a net profit growth forecast of -2.2% in 2024 [1][4]. - The report maintains a long-term view on the bank's performance despite recent pressures, with a focus on fintech investments to improve efficiency [3][5]. Summary by Sections Earnings Forecast - The net interest margin is projected to decrease to 1.40% in 2024, 1.36% in 2025, and 1.39% in 2026 [4]. - Total asset growth is expected to be 7.7% in 2024, 5.7% in 2025, and 5.7% in 2026 [4]. - The cost-income ratio is forecasted to remain stable around 32.3% in 2024 [4]. Investment Drivers - A good balance sheet mix and growth trend are expected to support healthy net interest income growth [5]. - Efficiency improvements from fintech investments are anticipated to enhance pricing capability [5]. Risk and Reward Analysis - The report outlines a bull case price target of HK$8.30, a base case of HK$5.87, and a bear case of HK$2.03 [3][4]. - The implied probabilities for reaching the price targets are 12.3% for HK$5.60 and 0.2% for HK$8.30 [3]. Valuation Methodology - The valuation is based on a three-stage dividend discount model with a discount rate of 10.5% in the base case [6].

股份發行人及根據《上市規則》第十九B章上市的香港預託證券發行人的證券變動月報表 截至月份: 2024年9月30日 狀態: 新提交 致：香港交易及結算所有限公司 公司名稱: 中國工商銀行股份有限公司 呈交日期: 2024年9月30日 I. 法定/註冊股本變動 | | 法定/註冊股份數目 | | 面值 | | 法定/註冊股本 | | | --- | --- | --- | --- | --- | --- | --- | | 上月底結存 | | 450,000,000 RMB | | 100 RMB | | 45,000,000,000 | | 增加 / 減少 (-) | | 0 | | RMB | | 0 | | 本月底結存 | | 450,000,000 RMB | | 100 RMB | | 45,000,000,000 | | 4. 股份分類 | 優先股 | 股份類別 | 其他類別 (請註明) | | 於香港聯交所上市 (註1) | 否 | | | --- | --- | --- | --- | --- | --- | --- | --- | | 證券代號 (如上市) | 360036 | 說明 | 境內優 ...

中國工商銀行股份有限公司 非執行董事 盧永真先生 馮衛東先生 曹利群女士 陳怡芳女士 董陽先生 鐘蔓桃女士 獨立非執行董事 沈思先生 胡祖六先生 陳德霖先生 赫伯特•沃特先生 莫里•洪恩先生 INDUSTRIAL AND COMMERCIAL 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：1398 美元優先股股份代號：4620 董事會成員名單與其角色及職能 中國工商銀行股份有限公司董事會（「董事會」）成員載列如下： 執行董事 廖林先生 （董事長） 劉珺先生 （副董事長、行長） 王景武先生 （副行長） | | | 社會責任 | | | | | | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | | | 與消費者 | | | | | 關聯 | 美國區域 | | | 戰略 | 權益保護 | 審計 | 風險管理 | 提名 | 薪酬 | 交易控制 | 機構風險 | | 董事╱董事會委員會 | 委員會 | 委員會 | 委員會 | 委員會 | 委員會 | 委員會 | 委員會 | 委員會 | | 廖林 ...

证券代码：601398 证券简称：工商银行 公告编号：临 2024-050 号 中国工商银行股份有限公司 关于董事任职资格获核准的公告 中国工商银行股份有限公司董事会 二〇二四年九月二十七日 中国工商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。 中国工商银行股份有限公司（简称本行）收到《国家金融监督管理总局关 于钟蔓桃工商银行董事任职资格的批复》。根据有关规定，国家金融监督管理 总局已核准钟蔓桃女士担任本行非执行董事的任职资格。钟蔓桃女士担任本行 非执行董事的任职已生效。本行欢迎钟蔓桃女士加入本行董事会。 钟蔓桃女士 的 简 历 请 参 见 本 行 刊 载 于 上 海 证 券 交 易 所 网 站 （www.sse.com.cn）的《中国工商银行股份有限公司 2023 年度股东年会会议资 料》。除本公告所披露外，并无其他与委任钟蔓桃女士有关的事宜需提请本行 股东及债权人注意，亦无其他根据监管规定须予披露的资料。 特此公告。 ...