引言 披露依据 中国银行股份有限公司 2025年半年度 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 | | 资本和总损失吸收能力的构成 | 6 | | CCA：资本工具和合格外部总损失吸收能力非资本债务工具的主要特征 6 | | | CC1：资本构成 | 6 | | CC2：集团财务并表和监管并表下的资产负债表差异 | 10 | | TLAC1：全球系统重要性银行的总损失吸收能力构成（按处置集团） | 12 | | TLAC2：重要子集团实体的债权人受偿顺序 | 13 | | TLAC3：处置实体的债权人受偿顺序 | 14 | | 信用风险 15 | | | CR5-2：信用风险暴露和信用转换系数（按风险权重划分） 15 | | | CR6：内部评级法下信用风险暴露（按风险暴露类别和违约概率区间） | 16 ...

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） 2025 年中期業績公告 本行董事會欣然宣布本行及其附屬公司截至2025年6月30日止之未經審計業 績。本公告列載本行2025年中期報告全文，並符合香港上市規則中有關中期 業績初步公告附載的資料之要求。本行2025年中期報告的印刷版本將於2025 年9月寄發予本行H股股東，並可於其時在香港交易及結算所有限公司的網站 www.hkexnews.hk及本行的網站www.boc.cn閱覽。 目錄 | 釋義 | 3 | | --- | --- | | 重要提示 | 6 | | 公司基本情況 | 7 | | 財務摘要 | 9 | | 經營情況概覽 | 11 | | 管理層討論與分析 | 13 | | 財務回顧 | 13 | | 經濟與金融環境 | 13 | | 利潤表 ...

董事長 董事名單與其角色和職能 中國銀行股份有限公司董事會（「董事會」）成員載列如下： 張輝 執行董事 葛海蛟 副董事長、行長 董事會設立6個委員會。下表提供各董事會成員在這些委員會中所擔任的職位： | | 委員會 | | 企業文化與 | | | | | | --- | --- | --- | --- | --- | --- | --- | --- | | | | 戰略發展 | 消費者權益 | | 風險政策 | 人事和薪酬 | 關聯交易 | | 董事 | | 委員會 | 保護委員會 | 審計委員會 | 委員會 | 委員會 | 控制委員會 | | 葛海蛟 | | C | | | | | | | 張輝 | | M | | | | | | | 劉進 | | M | M | | | | | | 張勇 | | M | | M | C | | | | 黃秉華 | | | C | | M | M | | | 劉輝 | | M | | | M | | M | | 師永彥 | | M | M | | | M | | | 樓小惠 | | M | | VC | | | M | | 李子民 | | M | | | | | | | 讓 ...

证券代码：601988 证券简称：中国银行 公告编号：临 2025-067 中国银行股份有限公司监事会决议公告 中国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。 中国银行股份有限公司（简称"本行"）监事会 2025 年第四次 会议通知于 2025 年 8 月 21 日通过书面及电子邮件方式送达至本行所 有监事，会议于 2025 年 8 月 29 日在北京现场召开。会议应出席监事 4 名，亲自出席监事 4 名。会议召开情况符合《中华人民共和国公司 法》及《中国银行股份有限公司章程》的相关规定。经半数以上监事 共同推举，本次会议由贾祥森监事主持，出席会议的监事审议并以记 名方式投票表决通过了如下议案： 1.《中国银行股份有限公司 2025 年半年度报告》 本监事会认为本行 2025 年半年度报告的编制和审核程序符合法 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 的实际情况。 表决情况：四票同意，零票反对，零票弃权。 2. 《中国银行股份有限公司 2025 年中期利润分配方案》 表决情况：四票同意，零 ...

证券代码：601988 证券简称：中国银行 公告编号：临 2025-066 中国银行股份有限公司董事会决议公告 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"）于 2025 年 8 月 29 日在北京 以现场表决方式召开了董事会会议，会议通知于 2025 年 8 月 15 日通过书 面及电子邮件方式送达至本行所有董事和监事。本次会议由董事长葛海蛟 先生主持，会议应出席董事 14 名，亲自出席董事 14 名。监事会成员及高 级管理层成员列席了会议。会议的召开符合《中华人民共和国公司法》等 有关法律、行政法规、部门规章、规范性文件和《中国银行股份有限公司 章程》（简称"《公司章程》"）的规定。出席会议的董事审议并以记名 方式投票表决通过了如下议案： 一、中国银行 2025 年半年度报告 赞成：14 反对：0 弃权：0 本行董事会审计委员会已审议通过中国银行 2025 年半年度报告中的 财务报告，同意提交董事会审批。 详情请查阅本行同日刊登在上海证券交易所网站（www.sse.co ...

证券代码：601988 证券简称：中国银行 公告编号：临 2025-068 中国银行股份有限公司 2025 年中期利润分配方案公告 中国银行股份有限公司（简称"本行"）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： 每 10 股普通股派发现金股利人民币 1.094 元（税前）。 本次利润分配以实施权益分派股权登记日登记的总股本为 基数，具体日期将在股东大会会议资料和权益分派实施公告中公布和 明确。 本次利润分配方案尚需提交本行股东大会审议批准。 一、利润分配方案内容 经本行董事会审议通过，本行拟以实施权益分派股权登记日登记 的总股本为基数分配 2025 年中期利润。本次利润分配方案如下： 按照每 10 股人民币 1.094 元（税前）分派普通股现金股利。 经安永华明会计师事务所（特殊普通合伙）和安永会计师事务所 审阅，截至 2025 年 6 月 30 日，本行归属于母公司所有者的净利润为 人民币 1,175.91 亿元，本行已发行普通股 322,212,411,814 股，以此 计算普通股派息总额为人民币 352. ...

Financial Data and Key Indicators Changes - The group achieved operating income of RMB 1.26 trillion, a year-on-year increase of 3.61%, with net fee income growing by 9.17% year on year [7] - Post-tax profit reached RMB 126.1 billion, with post-tax profit attributable to the bank's shareholders at RMB 117.6 billion, remaining stable year on year [7] - The NIM stood at 1.26%, ROA was 0.7%, and ROE was 9.11% [7] - Total assets reached RMB 36.79 trillion, an increase of 4.93% from the end of last year [8] - Total liabilities amounted to RMB 33.66 trillion, an increase of 4.85% from the end of last year [8] - The NPL ratio was 1.24, down by 0.01 percentage points from the end of last year, with an NPL coverage ratio of 197.39% [10][11] Business Line Data and Key Indicators Changes - The number of medium-sized corporate credit customers increased by 13.48% from the end of last year, and the proportion of mid-high-end individual customers rose by 0.16 percentage points [9] - Loans directed to the manufacturing sector grew by 12.99% from the end of last year, and loans to strategic emerging industries increased by 22.92% [13] - Personal consumption loans grew by 15.42%, and loans to private enterprises increased by 12.93% from the end of last year [14] Market Data and Key Indicators Changes - The volume of international settlement handled by domestic institutions exceeded $2.1 trillion, up 16.5% year on year [17] - The total transaction volume of cross-border e-commerce increased by 42.1% year on year [18] - The number of direct and indirect participants in the cross-border interbank payment systems remained the highest among peers [18] Company Strategy and Development Direction and Industry Competition - The company aims to optimize financial supply and improve its diverse product and service system while supporting domestic demand expansion and investment stabilization [23][24] - The focus will be on enhancing global layout capabilities and international competitiveness, particularly in Belt and Road cooperation [24][25] - The company plans to strengthen asset quality management and enhance forward-looking control of market risk [25] Management's Comments on Operating Environment and Future Outlook - Management acknowledged the challenges posed by a low-interest environment and emphasized the need to improve asset and liability structure while expanding non-interest income [39][41] - The company is confident in maintaining high-quality and stable development of assets in 2025, despite pressures from the real estate market and retail business [78] - Management highlighted the importance of leveraging global advantages to offset risks from the external environment [40][72] Other Important Information - The company completed the replenishment of RMB 165 billion in core Tier one capital, laying a solid foundation for medium to long-term development [11][12] - The interim dividend for 2025 was proposed at RMB 1.094 per 10 shares, totaling RMB 35.25 billion, maintaining a payout ratio of 30% [12] Q&A Session All Questions and Answers Question: How does the management evaluate performance in the first half of the year? - Management highlighted steady financial benefits, growth in assets and liabilities, effective risk control, and improved customer quality as key areas of performance [30][31] Question: What are the core drivers of non-interest income growth in the first half of the year? - Non-interest income reached RMB 114.6 billion, driven by wealth management income, corporate settlement fees, and contributions from financial market opportunities [50][51] Question: Can you provide an outlook on the NIM trend in the second half of the year? - Management expects continued pressure on NIM due to the low-interest environment but plans to optimize deposit management and enhance foreign currency investments [69][70] Question: What is the outlook for asset quality and credit strategy? - The NPL ratio remains stable, with management focusing on proactive credit risk management and supporting key industries while addressing structural conflicts [75][79] Question: Will BOC adjust its credit growth plan after the capital injection? - Management indicated that the capital injection will enhance credit supply capabilities, focusing on technology finance, infrastructure projects, and green finance [84][86]

Financial Data and Key Indicators Changes - The group achieved operating income of RMB 1,000 billion, a year-on-year increase of 3.61%, with net fee income growing 9.17% year on year [6] - Post-tax profit reached RMB 126.1 billion, with post-tax profit attributable to the bank's shareholders at RMB 117.6 billion, remaining stable year on year [6] - The NIM stood at 1.26%, ROA was 0.7%, and ROE was 9.11% [6] - Total assets reached RMB 36.79 trillion, an increase of 4.93% from the end of last year [7] - Total liabilities amounted to RMB 33.66 trillion, an increase of 4.85% from the end of last year [7] - The NPL ratio was at 1.24, down by 0.01 percentage points from the end of last year [9] Business Line Data and Key Indicators Changes - The number of medium-sized corporate credit customers increased by 13.48% from the end of last year [9] - Loans directed to the manufacturing sector grew by 12.99% from the end of last year, and loans to strategic emerging industries increased by 22.92% [11] - Personal consumption loans grew by 15.42% [11] - The balance of inclusive loans for SMEs reached RMB 2.65 trillion, with the number of borrowing enterprises surpassing 1.72 million [14] Market Data and Key Indicators Changes - The volume of international settlement handled by domestic institutions exceeded $2.1 trillion, up 16.5% year on year [15] - The total transaction volume of cross-border e-commerce increased by 42.1% year on year [16] - The number of direct and indirect participants in cross-border interbank payment systems remained the highest among peers [16] Company Strategy and Development Direction - The company aims to optimize financial supply and improve its diverse product and service system while supporting domestic demand expansion and investment stabilization [21][22] - BOC will leverage its global presence to enhance international competitiveness and support key regions of Belt and Road cooperation [22] - The focus will be on risk prevention and control, enhancing asset quality management, and accelerating digital transformation [23] Management's Comments on Operating Environment and Future Outlook - Management acknowledged the challenges posed by a low-interest environment and emphasized the need to improve asset and liability structure while expanding non-interest income [36] - The company is confident in maintaining high-quality and stable development of assets in 2025, despite pressures from the real estate market and retail loans [77] - Management highlighted the importance of leveraging global advantages to offset risks from the external environment [39] Other Important Information - The bank completed the replenishment of RMB 165 billion in core Tier one capital, with the core Tier one CAR and CAR reaching 12.57% and 18.67%, respectively [10] - The interim dividend for 2025 was proposed at RMB 1.094 per 10 shares, totaling RMB 35.25 billion, maintaining a payout ratio of 30% [10] Q&A Session Summary Question: How does management evaluate performance in the first half of the year? - Management highlighted steady financial benefits, growth in assets and liabilities, and effective risk control as key areas of performance [29] Question: What are the core drivers of non-interest income growth in the first half of the year? - Non-interest income reached RMB 114.6 billion, driven by wealth management income, corporate settlement fees, and trading income [49][50] Question: What is the outlook for NIM in the second half of the year? - NIM is expected to face narrowing pressures due to the low-interest environment, but the bank will optimize its asset-liability structure to mitigate these effects [67] Question: What is the outlook for asset quality and credit strategy? - The NPL ratio remains stable, with management focusing on proactive credit risk management and supporting key industries while addressing structural conflicts [74][80] Question: Will BOC adjust its credit growth plan after the capital injection? - The bank plans to maintain steady credit growth while focusing on technology finance, infrastructure projects, and green finance [82][84]

今日工商银行、农业银行、中国银行、建设银行、邮储银行、交通银行等六大国有行纷纷披露了半年报。 工商银行半年报显示，公司上半年实现营业收入4091亿元，同比增长1.8%；归母净利润1681.0亿元人民币，同比下降1.4%。 农业银行半年报显示，公司上半年实现营业收入3697.93亿元，同比增长0.7%；净利润1399.43亿元，同比增长2.5%。 邮储银行半年报显示，公司上半年实现营业收入达到1794.46亿元，同比增长1.5%；归属于银行股东的净利润492.28亿元，同比增长 0.85%。 交通银行半年报显示，上半年，集团实现营业收入1333.68亿元、归属于母公司股东净利润460.16亿元，同比分别增长0.77%、1.61%。 中国银行半年报显示，公司上半年实现净利润1175.9亿元人民币，同比下降0.9%；营业收入3294.18亿元，税后利润1261.38亿元。 建设银行半年报显示，公司上半年实现经营收入3859.05亿元，同比增长2.95%；净利润1626.38亿元，同比下降1.45%。 ...

Core Viewpoint - China Bank's mid-year performance for 2025 shows stable financial benefits with a year-on-year revenue increase of 3.61% and a net profit of 126.1 billion yuan, indicating a positive trend compared to the first quarter [1] Financial Performance - The group achieved an operating income of 329.4 billion yuan, with net fee income growing by 9.17% year-on-year [1] - After-tax profit reached 126.1 billion yuan, with after-tax profit attributable to shareholders at 117.6 billion yuan, maintaining stability and showing improvement [1] - Key financial ratios include a net interest margin of 1.26%, average return on assets (ROA) of 0.70%, return on equity (ROE) of 9.11%, and a cost-to-income ratio of 25.11%, all within reasonable ranges [1] Asset and Liability Management - Total assets amounted to 36.79 trillion yuan, reflecting a year-on-year growth of 4.93% [1] - Total liabilities reached 33.66 trillion yuan, with a growth of 4.85% compared to the end of the previous year [1] - The proportion of high-yield assets such as loans and bond investments increased by 2.32 percentage points, while the share of customer deposits in total liabilities rose by 0.78 percentage points [1] Asset Quality - The bank has strengthened asset quality management, with a non-performing loan (NPL) ratio of 1.24% as of June, a decrease of 0.01 percentage points from the beginning of the year [1] - The NPL coverage ratio stands at 197.39%, indicating robust provisions against potential loan losses [1] Loan Growth and Sector Focus - As of June, domestic RMB loans increased by 1.41 trillion yuan, a growth of 7.72% year-to-date [2] - Loans for equipment upgrades exceeded 90 billion yuan, with loans to the manufacturing sector growing by 12.99% year-on-year and loans to strategic emerging industries increasing by 22.92% [2] - Loans to private enterprises increased by 572 billion yuan, reflecting a growth rate of 12.93%, while personal consumption loans grew by 15.42% [2] International Operations - The bank processed international settlement amounts of 2.1 trillion USD and cross-border RMB settlements of 8.5 trillion yuan, representing year-on-year growth of 16.51% and 17.47%, respectively [2] - The bank has enhanced its cross-border e-commerce settlement services, with total transaction volume increasing by 42.10% year-on-year [2]