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） 公告 董事會決議 本行於2025年8月29日在北京以現場表決方式召開董事會會議，會議通知於2025 年8月15日通過書面及電子郵件方式送達至本行所有董事和監事。本次會議由董 事長葛海蛟先生主持，會議應出席董事14名，親自出席董事14名。監事會成員及 高級管理層成員列席了會議。會議的召開符合《中華人民共和國公司法》等有關法 律、行政法規、部門規章、規範性文件和《中國銀行股份有限公司章程》（「《公司 章程》」）的規定。出席會議的董事審議並以記名方式投票表決通過了如下議案： 一、中國銀行2025年半年度報告 贊成：14 反對：0 棄權：0 本行董事會審計委員會已審議通過中國銀行2025年半年度報告中的財務報 告，同意提交董事會審批。 詳情請查閱本行同日刊登在香港交 ...

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 | | 利潤表主要項目分析 | 14 | | 資產負債表項目分析 | 19 | | 現金流量分析 | 23 | | 分部信息 | 24 | | 公允價值計量 | 25 | | 其他財務信息 | 25 | | 業務回顧 | 26 | | 扎實做好「五篇大文章」 | 26 | | 境內商業銀行業務 | 30 | | 全球化經營業務 | 39 | | 綜合化經營業務 | 45 | | 服務渠道 | 52 | | 金融科技創新 | 53 | | 風險管理 | 55 | | 信用風險管理 | 56 | | 市場風險管理 | 60 | | 銀行賬簿利率風險管理 | 60 | | 流動性風險管理 | 61 | | 操作風險管理 | 62 | | 國別風險管理 | 63 | | 聲譽風險管理 | 63 | 1 | 戰略風險管理 | 63 | | --- | --- ...

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 ...

此次启动会明确每月5日为"认证贷+"金融服务日，届时双方将联合组织开展政策解读、融资对接等活 动，面对面帮企业解难题、手把手助企业获支持，实现每月集中解决一批企业融资需求。 此前，中国银行河南省分行与河南省市场监督管理局联合发布了"认证贷"专属服务方案，通过"认证+金 融"的创新举措，已为河南省1400余家认证企业提供授信超50亿元。 来源：环球网 此次启动会标志着双方从牵手合作迈向深度赋能，打造常态化、机制化、品牌化的惠企服务新模式。接 下来，中国银行河南省分行将持续加强资源统筹、深化合作对接、创新产品服务，让普惠金融的"活 水"精准滴灌万千市场主体。 8月28日，中国银行河南省分行携手河南省市场监督管理局举办"认证贷+"金融服务日启动仪式。 据介绍，"认证贷"是中国银行河南省分行携手河南省市场监督管理局，针对小微企业"轻资产、缺抵 押"的融资痛点，积极探索、创新推出的区域性特色金融产品。该产品通过"质量认证－信用增信－融资 支持－产业升级"闭环设计，推动企业质量"身份证"有效转化为融资"通行证"，形成"以信促融、以融促 产"的良性循环，为民营经济高质量发展注入新动能。 ...

2025年8月22日，湖南金融监管局发布批复称，《中国银行（601988）股份有限公司湖南省分行关于对 熊容可同志进行任职资格核准的请示》（湘中银报〔2025〕80号）及相关材料收悉。经审核，现批复如 下： 一、核准熊容可中国银行股份有限公司湖南湘江新区分行行长助理的任职资格。 二、中国银行应要求上述核准任职资格人员严格遵守金融监管总局有关监管规定，自中国银行政许可决 定作出之日起3个月内到任，并按要求及时报告到任情况。未在上述规定期限内到任的，本批复文件失 效，由决定机关办理行政许可注销手续。 三、中国银行应督促上述核准任职资格人员持续学习和掌握经济金融相关法律法规，牢固树立风险合规 意识，熟悉任职岗位职责，忠实勤勉履职。 ...

二、中国银行福建省分行应要求上述核准任职资格人员严格遵守金融监管总局有关监管规定，自中国银 行政许可决定作出之日起3个月内到任，并按要求及时报告到任情况。未在上述规定期限内到任的，本 批复文件失效，由决定机关办理行政许可注销手续。 三、中国银行福建省分行应督促上述核准任职资格人员持续学习和掌握经济金融相关法律法规，牢固树 立风险合规意识，熟悉任职岗位职责，忠实勤勉履职。 一、核准武婧中国银行股份有限公司福清分行副行长的任职资格。 2025年8月26日，福建金融监管局发布批复称，《中国银行福建省分行关于武婧任职资格核准的请示》 （闽中银报〔2025〕137号）收悉。经审核，现批复如下： ...

Group 1 - The onshore and offshore RMB against the US dollar both broke the 7.14 mark, driven by external factors such as the Federal Reserve's policy shift and internal factors like the recovery of the domestic capital market and increased risk appetite [1] Group 2 - Three banks in Sichuan, namely Chengdu Bank, Chengdu Rural Commercial Bank, and Sichuan Bank, are planning to jointly apply for a wealth management company, with preparations already underway [2] Group 3 - Major banks are accelerating their securities account opening business in response to the significant recovery of the A-share market, with a 70.54% year-on-year increase in new investors in July 2025 [3] - The collaboration between banks and securities firms is seen as a necessary adaptation to changing market demands, integrating basic financial services and investment opportunities into a single ecosystem [3] Group 4 - The issuance of technology innovation bonds (科创债) has reached a total scale of 2,273 billion yuan, reflecting strong market demand for financing in technology innovation since the launch of the "technology board" in May [4] - A total of 814 technology innovation bonds have been issued, with 34 banks participating, indicating a robust response to the financing needs of emerging technology enterprises [4] Group 5 - Several banks are actively transferring non-performing credit card loans, with significant discounts on the transfer prices, indicating a strong commitment to cleaning up non-performing assets [5] - The large-scale transfer of non-performing loans is a strategy for banks to optimize their asset structure and improve liquidity [5]

Core Viewpoint - Multiple small and medium-sized banks in China have announced reductions in RMB deposit rates, with decreases ranging from 10 to 20 basis points, reflecting a response to previous rate cuts by larger commercial banks and the need to address downward pressure on net interest margins [1][5]. Group 1: Deposit Rate Adjustments - Jiangsu Bank and Nanjing Bank have adjusted their three-year fixed deposit rates from 1.85% to 1.75% [1]. - Highmi Hui Min Village Bank in Shandong has lowered the annual interest rates for personal fixed deposits of 6 months, 1 year, and 2 years by 10 basis points, while the rates for 3-year and 5-year deposits have been reduced by 20 basis points [2]. - Jilin Longtan Huayi Village Bank has also adjusted its deposit rates, lowering the annual interest rate for demand deposits from 0.2% to 0.15%, and reducing rates for various fixed deposit terms by 10 to 20 basis points [3]. - Zhejiang Shengzhou Ruifeng Village Bank and Jilin Baishan Hunjing Hengtai Village Bank have similarly announced reductions in deposit rates, primarily between 10 to 20 basis points [4]. Group 2: Market Context and Trends - The recent rate cuts by small and medium-sized banks are seen as a follow-up to earlier reductions by major banks, which included a maximum cut of 25 basis points [5]. - As of May, the six major banks have set their demand deposit rates at 0.05%, with three-year and five-year deposit rates at 1.25% and 1.3%, respectively [5].

Core Viewpoint - Multiple small and medium-sized banks in China have announced reductions in RMB deposit interest rates, with decreases ranging from 10 to 20 basis points [1][8]. Summary by Sections Deposit Rate Adjustments - Jiangsu Bank and Nanjing Bank have adjusted their three-year fixed deposit rates from 1.85% to 1.75% [2][3]. - Jilin Longtan Huayi Village Bank has lowered its interest rates for various deposit terms, with the three-year and five-year rates down by 20 basis points [5]. - Shandong Gaomi Huimin Village Bank has also reduced its rates for personal fixed deposits across multiple terms, with three-year and five-year rates down by 20 basis points [6]. Market Trends - The recent rate cuts by small and medium-sized banks are seen as a follow-up to earlier reductions by major commercial banks, which had cut rates by up to 25 basis points [8][9]. - The current interest rates for major banks are 0.05% for demand deposits and 1.25% and 1.30% for three-year and five-year fixed deposits, respectively [9]. Implications for Investors - According to a researcher from China Postal Savings Bank, the downward pressure on deposit rates is expected to continue, prompting residents to consider their investment experience, capabilities, and risk preferences to achieve better returns [8].

人民财讯8月28日电，中国银行业协会近日发布《中国资产托管行业发展报告(2025)》，截至2024年 末，中国银行业资产管理类产品托管规模为182.20万亿元，较上年末增长12.64%；与客户资金保管类产 品服务规模合计达239.90万亿元；资管产品营运外包业务规模8.88万亿元。 ...