Core Insights - The People's Bank of China announced the winners of the 2024 Financial Technology Development Award, representing the highest honor in the financial industry for technological achievements [1] - A total of 290 projects were awarded, with 115 awards going to various banking institutions, showcasing the technological capabilities and innovative vitality of both large and small financial institutions in the AI era [1][2] Award Distribution - The awards included 1 special award, 18 first prizes, 103 second prizes, 148 third prizes, and 20 "Micro-Innovation Awards" [1] - Among the 18 first prizes, 9 were awarded to banking institutions, with the Industrial and Commercial Bank of China (ICBC) being the only institution to win two first prizes [2] Focus on Technology - The term "intelligent" appeared 67 times, "AI" 15 times, and "large model" 28 times in the awarded projects, indicating a strong emphasis on advanced technologies [3] Performance of Smaller Institutions - Contrary to the perception that larger banks have superior technological capabilities, several small and medium-sized financial institutions received multiple awards, highlighting their innovative projects supported by AI [4] - Notable small banks like Qingdao Bank, Hunan Bank, Huishang Bank, and Gansu Rural Credit Cooperative each won two awards, focusing on specific business scenarios and intelligent applications [4] Summary of Awards by Bank Type - State-owned banks performed well, with ICBC, China Bank, and Construction Bank each winning 6 awards, while Agricultural Bank, Traffic Bank, and others also received multiple awards [5][6] - The distribution of awards among various bank types reflects a diverse range of technological advancements across the banking sector [5][6]

Core Insights - The People's Bank of China announced the winners of the 2024 Financial Technology Development Award, representing the highest honor in the financial industry for technological achievements [1] - A total of 290 awards were given, with 115 awards going to various banking institutions, showcasing the technological capabilities and innovations in the financial sector [1][2] Summary by Category Award Distribution - The awards included 1 special award, 18 first prizes, 103 second prizes, 148 third prizes, and 20 "Micro-Innovation Awards" [1] - Among the 18 first prizes, banking institutions secured 9, with the Industrial and Commercial Bank of China being the only institution to win two first prizes [2] Focus Areas of Winning Projects - Winning projects primarily revolved around large-scale "hard technology" infrastructure, such as AI-driven risk detection platforms and core banking system transformations [2] - Notable projects included the Agricultural Bank's enterprise-level architecture, the Industrial Bank's AI security platform, and the China Bank's IT architecture transformation [2] Emphasis on AI and Innovation - The term "intelligent" appeared 67 times, "AI" 15 times, and "large model" 28 times in the context of the awarded projects, indicating a strong focus on AI technologies [3] - Smaller financial institutions also performed well, with several projects focusing on specific business scenarios enhanced by AI, such as intelligent credit risk management and customer service systems [4] Performance of Smaller Institutions - Smaller banks like Qingdao Bank and Hunan Bank received multiple awards for projects aimed at intelligent product management and credit risk transformation [4] - The Gansu Rural Credit Cooperative was highlighted for its focus on intelligent customer service and risk control platforms, showcasing the innovation potential of smaller financial entities [4]

（文章来源：中国经营报） 10月28日，中国银行披露2025年三季度业绩报。数据显示，前三季度，中国银行集团实现营业收入4921 亿元，同比增长2.72%；实现税后利润1896亿元、本行股东应享税后利润1777亿元，同比增长1.12%、 1.08%，变动趋势较上半年改善。集团净息差1.26%，与上半年持平。平均总资产回报率（ROA） 0.70%，净资产收益率（ROE）8.98%，成本收入比26.90%，均保持在合理区间。 ...

业务规模方面，截至9月末，中国银行资产总计37.55万亿元，比上年末增加2.49万亿元，增长7.10%。 发放贷款和垫款总额23.35万亿元，比上年末增加1.76万亿元，增长8.15%。负债合计34.31万亿元，比上 年末增加2.20万亿元，增长6.87%。吸收存款总额25.68万亿元，比上年末增加1.48万亿元，增长6.10%。 资产质量方面，截至报告期末，中国银行不良贷款总额2886.69亿元，不良贷款率1.24%，比上年末下降 0.01个百分点，不良贷款拨备覆盖率196.60%，比上年末下降4.00个百分点。 北京商报讯（记者孟凡霞周义力）10月28日，中国银行发布2025年三季度报告。前三季度，该行实现营 业收入4912.04亿元，同比增加128.56亿元，增长2.69%；实现净利润1895.89亿元，实现归属于母公司所 有者的净利润1776.60亿元，同比分别增长1.12%和1.08%。平均总资产回报率（ROA）0.70%，净资产 收益率（ROE）8.98%。净息差1.26%。 截至报告期末，中国银行核心一级资本充足率为12.58%，一级资本充足率为14.66%，资本充足率为 18.66%。 （文章 ...

Macro Dynamics - The 11th batch of national organized drug procurement has announced the selection results, including 55 types of drugs across various fields such as anti-infection, anti-allergy, anti-tumor, blood sugar reduction, blood pressure reduction, and blood lipid reduction. The procurement aims to stabilize clinical use, ensure quality, prevent internal competition, and avoid collusion in bidding. A total of 46,000 medical institutions participated, with 445 companies submitting bids, and 272 companies' products being shortlisted. Patients are expected to access these selected drugs by February 2026 [2] Financial Institutions - Bank of China reported a net profit of 177.66 billion yuan for the first three quarters of 2025, a year-on-year increase of 1.08%, with total operating income of 491.20 billion yuan, up 2.69% [6] - Huatai Securities announced a net profit of 1.88 billion yuan for the first three quarters of 2025, a year-on-year increase of 64.71%, with operating income of 44.23 billion yuan, up 67.32% [7] Market Data - On October 28, the A-share market saw all three major indices decline, with the ChiNext index dropping 0.15%. The total trading volume in the Shanghai and Shenzhen markets was 2.15 trillion yuan, a decrease of 192.3 billion yuan from the previous trading day [8][9] - The financing balance of the two markets increased by 24.57 billion yuan, with the Shanghai Stock Exchange reporting a balance of 1.25 trillion yuan and the Shenzhen Stock Exchange reporting 1.21 trillion yuan [10] Company Dynamics - *ST Zhengping announced a stock trading suspension for verification due to a cumulative increase of 152.42% in stock price from September 1 to October 28, indicating potential market overheating and irrational speculation. The company faces risks of delisting and ongoing financial losses [12] - Haowei Group reported a net profit of 3.21 billion yuan for the first three quarters of 2025, a year-on-year increase of 35.15%, driven by growth in the automotive intelligent driving sector [13] - Zhaoyi Innovation reported a net profit of 508 million yuan for the third quarter of 2025, a year-on-year increase of 61.13%, attributed to improvements in the DRAM industry supply chain [14] - China Film reported a third-quarter revenue of 1.21 billion yuan, a year-on-year increase of 35.61%, with a significant increase in net profit due to successful film releases [15] - Hongmeng Zhixing announced that the total delivery of the AITO M9 has surpassed 250,000 units [16] - Suli Co. reported a net profit of 59.42 million yuan for the third quarter of 2025, a year-on-year increase of 2750.24%, driven by growth in agricultural chemical sales [17]

10月28日，中国银行发布2025年第三季度报告。 2025年1至9月，集团经营活动产生的现金流量为净流入人民币512.26亿元，上年同期为净流入人民币 1681.39亿元，主要为发放贷款和垫款投放产生的现金流出较上年同期增加。 | 项目 | 本报告期 | 本报告期比 上年同期 | 年初至 | 年初至报告期末 比上年同期 | | --- | --- | --- | --- | --- | | | | 增减(%) | 报告期末 | 增减(%) | | 营业收入 | 162,201 | 0.58 | 491,204 | 2.69 | | 净利润 | 63.451 | 4.10 | 189.589 | 1.12 | | 归属于母公司所有者的净利润 | 60.069 | 5.09 | 177.660 | 1.08 | | 扣除非经常性损益后归属于 | 59.810 | 4.68 | 177.425 | 1.25 | | 母公司所有者的净利润 | | | | | | 经营活动产生的现金流量净额 | 不适用 | 不适用 | 51.226 | -69.53 | | 基本和稀释每股收益 | 0.18 | -5.04 | 0. ...

10月28日，中国银行发布公告指出，该行董事会收到卓成文的辞呈。因工作变动，自2025年10月30日 起，卓成文不再担任中国银行董事会秘书及公司秘书职务。 公开资料显示，刘承钢出生于1972年，1994年加入中国银行。2024年4月至2025年8月任中银香港（控 股）有限公司副总裁，2022年3月至2025年8月任中银香港（控股）有限公司财务总监。2018年10月至 2022年1月任中国银行股权投资与综合经营管理部总经理。2017年1月至2018年10月任中国银行财务管理 部总经理。2015年11月至2017年1月任中国银行司库总经理。此前曾任中国银行金融市场总部助理总经 理、总监，司库副总经理（主持工作）。 （文章来源：北京商报） 另据中国银行发布的董事会决议公告，该行10月28日在北京以现场表决方式召开董事会会议，审议通过 《聘任刘承钢先生为本行董事会秘书、公司秘书》的议案，刘承钢担任中国银行董事会秘书的任职将在 国家金融监督管理总局核准其任职资格后生效。在刘承钢就任董事会秘书之前，由副董事长、行长张辉 代行董事会秘书职责。刘承钢担任中国银行公司秘书的任职将在其就任该行董事会秘书之日起生效。 ...

| 姓名 | 离任职务 | 离任时间 | 原定任期 到期日 | 离任原因 | 是否继续在上 市公司及其控 股子公司任职 | 具体职务 | 是否存在 未履行完 毕的公开 承诺 | | --- | --- | --- | --- | --- | --- | --- | --- | | 卓成文 | 董事会秘 书及公司 | 2025 年 10 | - | 工作变动 | 是 | 中银航空租 赁有限公司 | 否 | | | 秘书 | 月 30 日 | | | | 董事长 | | 一、 离任的基本情况 二、 离任对本行的影响 卓成文先生已确认其与本行董事会无不同意见，亦没有任何其他 事项需要通知本行股东，并已按照有关要求做好交接工作。 证券代码：601988 证券简称：中国银行 公告编号：临 2025-078 中国银行股份有限公司 关于董事会秘书及公司秘书卓成文先生离任的公告 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。 中国银行股份有限公司（简称"本行"）董事会收到卓成文先生的 辞呈。因工作变动，自 2025 年 10 ...

（「本行」） （股份代號：3988） 2025年第三季度報告 本行董事會宣佈本行及其附屬公司（「本集團」或「集團」）截至2025年9月30日止第 三季度的未經審計業績。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條而作出。 1 一、 主要財務數據 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文件的內容概不負責，對其準確性或完整性 亦不發表任何聲明，並明確表示，概不對因本文件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） 1.1 基於國際財務報告會計準則編製的主要會計數據和財務指標 二、 股東信息 2.1 普通股股東總數及前十名普通股股東持股情況 | | | 本報告期 | | 年初至 | | --- | --- | --- | --- | --- | | | 2025年 | 比上年 | 2025年 | 報告期末 | | 項目 | 7-9月 | 同期增減 | 1-9月 | 比上年 同期增減 | | | ...

引言 中国银行股份有限公司 2025年第三季度 第三支柱信息披露报告 | 引言 1 | | --- | | 披露依据 1 | | 披露声明 1 | | 风险管理、关键审慎监管指标和风险加权资产概览 2 | | KM1：监管并表关键审慎监管指标 2 | | KM2：关键审慎监管指标——处置集团的总损失吸收能力监管要求 4 | | OV1：风险加权资产概况 5 | | 宏观审慎监管措施 6 | | 杠杆率 6 | | LR1：杠杆率监管项目与相关会计项目的差异 6 | | LR2：杠杆率 7 | | 流动性风险 9 | | LIQ1：流动性覆盖率 9 | 披露依据 本报告根据国家金融监督管理总局令2023年第4号《商业银行资本管理办法》编制并披露。 2014年4月，本集团正式获准实施资本计量高级方法。总行、境内分行及中银香港的一般公 司和中小企业信用风险暴露采用初级内部评级法，个人住房抵押贷款、符合条件的合格循 环零售和银行卡信用风险暴露、其他零售信用风险暴露采用高级内部评级法，其他类型信 用风险暴露及其他并表机构的所有信用风险暴露均采用权重法；市场风险采用标准法计量； 操作风险采用标准法计量。 披露声明 本报告 ...