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%。 ...

Bank of China reported a 5% increase in third-quarter profit, as the lender managed to stabilize its net interest margin despite mounting challenges from weakening credit demand https://t.co/nALC7W7VBH ...

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） 中國銀行股份有限公司 董事會 中國，北京 2025年10月28日 於本公告日期，本行董事為葛海蛟、張輝、劉進、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 # 。 * 非執行董事 # 獨立非執行董事 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。 海外監管公告 根據中華人民共和國（「中國」）的有關法例規定，本行在上海證券交易所網站及中 國報章刊登了本行根據中國企業會計準則編製的《 ...

海外監管公告 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。 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 （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) 呈交給倫敦證券交易所國際證券市場並在其網站上刊登的相關文件，請參 見： www.londonstockexchange.com 。 中國銀行股份有限公司 董事會 中國，北京 2025年10月28日 於本公告日期，本行董事會為葛海蛟、張輝、劉進、張勇*、黃秉華*、劉輝*、師永彥*、 樓小惠*、李子民*、讓•路易 ...

格隆汇10月28日丨中国银行(03988.HK)公布，董事会收到卓成文的辞呈。因工作变动，自2025年10月30 日起，卓成文不再担任董事会秘书及公司秘书职务。 ...

智通财经APP讯，中国银行(03988)发布公告，该行董事会收到卓成文先生的辞呈。因工作变动，自2025 年10月30日起，卓成文先生不再担任该行董事会秘书及公司秘书职务。 ...

Core Insights - The bank 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% [1] - The bank's total operating income reached 492.11 billion yuan, an increase of 2.72% year-on-year [1] Financial Performance - The bank's net interest income was 325.79 billion yuan, a decrease of 3.04% year-on-year, with a net interest margin of 1.26% [1] - Non-interest income amounted to 166.32 billion yuan, reflecting a significant increase of 16.22% year-on-year, accounting for 33.80% of total operating income [1] - Operating expenses rose to 186.58 billion yuan, an increase of 8.03% year-on-year, resulting in a cost-to-income ratio of 26.90% [1] Asset Quality - The total amount of non-performing loans stood at 288.67 billion yuan, with a non-performing loan ratio of 1.24%, a slight decrease of 0.01 percentage points from the previous year [2] - The provision coverage ratio for non-performing loans was 196.60%, down by 4.00 percentage points from the end of the previous year [2] Capital Adequacy - The core tier one capital adequacy ratio was reported at 12.58%, while the tier one capital adequacy ratio was 14.66%, and the total capital adequacy ratio was 18.66% [2]