FF301 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: 2025年12月31日 狀態: 新提交 致：香港交易及結算所有限公司 公司名稱: 中國銀行股份有限公司(「本公司」) 呈交日期: 2026年1月5日 I. 法定/註冊股本變動 | 1. 股份分類 | 普通股 | 股份類別 | H | | 於香港聯交所上市 (註1) | | 是 | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 證券代號 (如上市) | 03988 | 說明 | H股 | | | | | | | | | 法定/註冊股份數目 | | | 面值 | | 法定/註冊股本 | | | 上月底結存 | | | 83,622,276,395 | RMB | | 1 RMB | | 83,622,276,395 | | 增加 / 減少 (-) | | | 0 | | | RMB | | 0 | | 本月底結存 | | | 83,622,276,395 | RMB | | 1 RMB | | 83,622,276,395 | 第 2 頁 ...

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，由黔西南金融监管分局办理行政许可注销手续。 2025年12月26日，黔西南金融监管分局发布批复称，《中国银行（601988）股份有限公司贵州省分行关 于核准唐先雯任职资格的请示》（黔中银报〔2025〕100号）收悉。经审核，现批复如下： 一、核准唐先雯中国银行兴义分行行长助理的任职资格。 ...

Core Viewpoint - The China Interbank Market Dealers Association has identified widespread issues related to internal controls and compliance in certain institutions, which hinder effective regulation and the ability to combat illegal activities [1] Group 1: Compliance Issues - Many institutions have failed to establish and maintain proper internal control systems for the preservation of bond trading records [1] - Compliance and risk management practices are often superficial, leading to ineffective implementation of record-keeping requirements [1] - There are significant lapses in maintaining complete transaction records, which obstruct the ability to reconstruct trading activities accurately [1] Group 2: Regulatory Actions - The Association plans to intensify punitive measures against institutions that exhibit the identified compliance failures [1] - Specific violations that will lead to severe penalties include failure to establish internal control systems, inadequate record-keeping, and inability to provide complete trading records for serious violations [1] - The Association emphasizes the importance of robust internal controls and compliance awareness among market participants to ensure the healthy and orderly development of the market [1]

来源：中央纪委国家监委网站 据中央纪委国家监委驻中国银行纪检监察组、天津市纪委监委消息：中国银行浙江省分行党委书记、行 长程军涉嫌严重违纪违法，目前正接受中央纪委国家监委驻中国银行纪检监察组纪律审查和天津市监察 委员会监察调查。 ...

Core Viewpoint - The New Year messages from major state-owned banks emphasize their roles as the "main force" and "leading geese" in the financial industry, focusing on risk prevention, strong regulation, and promoting high-quality development while addressing both macroeconomic stability and micro-level public needs [1][2]. Group 1: National Responsibility and Public Service - Major banks highlight their commitment to national priorities and public welfare, with ICBC pledging to support employment and market stability through increased lending and bond investments [1] - Agricultural Bank of China emphasizes its mission in rural development, achieving over 1 trillion yuan in county loans for four consecutive years and a loan balance of 1.8 trillion yuan for farmers [1] - Banks are actively addressing public needs, with initiatives like Bank of China’s tea garden project generating over 100 million yuan in value and Agricultural Bank providing over 1 million home services for the elderly [2] Group 2: Financial Innovation and Globalization - The "Five Major Articles" of financial services—technology finance, green finance, inclusive finance, pension finance, and digital finance—are integrated into the development strategies of major banks, with ICBC leading in manufacturing and green loans [3] - Agricultural Bank has launched an AI innovation framework to enhance customer service and risk management, while ICBC has achieved full coverage of its smart risk control centers [3] - Chinese banks are expanding their global service capabilities, exemplified by Bank of China’s issuance of 4 billion euros in sovereign bonds in Luxembourg and participation in cross-border payment projects [4][5] Group 3: Stability and Long-term Vision - State-owned banks emphasize a focus on stable operations and long-term strategies, with China Bank highlighting the importance of maintaining strategic determination amid market volatility [5][6] - Agricultural Bank stresses the need for a correct performance outlook and the importance of addressing challenges while ensuring high-quality development and risk management [6] - The commitment to employee recognition and appreciation is evident, with banks acknowledging the contributions of their staff in supporting major national events and initiatives [7]

Group 1 - The People's Bank of China conducted a 365 billion yuan 7-day reverse repurchase operation, resulting in a net withdrawal of 433.6 billion yuan [1] - The People's Bank of China issued the "Non-Bank Payment Institutions Classification Rating Management Measures" to enhance supervision of non-bank payment institutions, effective from February 1, 2026 [2] - In 2025, the banking sector saw a net increase of 623 physical bank branches, marking the first positive growth in three years despite the closure of 7,871 branches [3] Group 2 - Ten digital RMB operating banks announced that starting January 1, 2026, they will pay interest on digital RMB wallets at the same rate as their demand deposit rates [4] - Chengdu Rural Commercial Bank announced that its total assets have surpassed 1 trillion yuan, becoming the fifth rural commercial bank in China to reach this milestone [5] - Xinjiang Bank received approval to increase its registered capital from 7.906 billion yuan to 12.222 billion yuan [6] Group 3 - Baoding Bank's plan to change its registered capital was approved, allowing it to raise 250 million shares [7] - Ningbo Tongshang Bank was approved to issue capital instruments not exceeding 2 billion yuan, including perpetual bonds and subordinated bonds [8][9] - The Dongguan Financial Regulatory Bureau and other departments will pilot real estate trust property registration in Dongguan to support the transformation of the trust business [10] Group 4 - New Era Trust's 100% equity is being offered for transfer for the third time, with a base price of approximately 1.851 billion yuan, consistent with previous offers [11]

Core Viewpoint - The implementation of the "Regulations on the Management of Sales Expenses for Publicly Raised Securities Investment Funds" marks a significant step in the fee rate reform of the public fund industry, aimed at reducing investor costs and enhancing their experience, thereby promoting high-quality industry development [1][5][10]. Group 1: Industry Impact - The fee rate reform is expected to lower investor costs significantly, with an overall reduction in sales expenses by 34%, potentially saving investors approximately 30 billion yuan annually [10][11]. - The reform encourages a shift from a "sell-side" to a "buy-side" service model, aligning industry development with investor interests [2][5]. - The new regulations include detailed provisions for reducing subscription and service fees, optimizing redemption arrangements, and promoting long-term holding of funds [5][10]. Group 2: Institutional Responses - Industrial and Commercial Bank of China (ICBC) emphasizes enhancing investor satisfaction and service quality through transparent communication and educational initiatives [2][3]. - Bank of China focuses on implementing regulatory requirements to ensure smooth reform execution while enhancing its service system and promoting long-term investment [5][6]. - Bank of Communications highlights the importance of the new regulations in reducing costs and fostering a customer-centric approach in wealth management [7][9]. Group 3: Specific Initiatives - ICBC plans to upgrade its customer service capabilities, including personalized investment advice and improved digital platforms for better user experience [3][4]. - Bank of China has implemented various fee discounts and is committed to improving service quality through training and digital tools [5][6]. - Traffic Bank is launching initiatives like the "Wode Wealth Journey" to enhance financial education and investor engagement [9]. Group 4: Future Directions - The reform is seen as a catalyst for the industry to focus on long-term returns rather than short-term gains, promoting a healthier market environment [10][11]. - The establishment of a direct sales service platform aims to enhance efficiency and service quality for fund management [11].

Core Insights - A significant trend observed in 2025 is the increase in large fines imposed on banks, reflecting compliance shortcomings and risk points during the transition to high-quality development in the banking industry [2][16] - In 2025, regulatory authorities issued a total of 454 fines exceeding one million yuan to banking institutions and personnel, an increase of 58 from the previous year, with the total amount of fines nearly doubling [2][16] - The main areas of violations in 2025 were concentrated in credit business, anti-money laundering, and internal control systems, with anti-money laundering violations seeing the most notable increase, reaching 894 fines, a rise of 185.09% compared to the previous year [2][16] Summary of Fines Over 20 Million Yuan - In 2025, there were 12 fines disclosed with amounts exceeding 20 million yuan, primarily related to compliance management issues in traditional business areas such as loans and bills, indicating deficiencies in basic business risk control and regulatory cooperation [4][17] - Common violations included issues with account management and anti-money laundering, highlighting flaws in customer identity verification and transaction monitoring processes [3][17] Summary of Fines Between 10 Million and 20 Million Yuan - This category of fines predominantly involved joint-stock banks, reflecting a conflict between business innovation and compliance management [6] - Violations were mainly related to compliance operations (account and anti-money laundering) and business management (internet loans and agency sales), with cross-border foreign exchange violations being a secondary concern [7] Summary of Fines Between 5 Million and 10 Million Yuan - Fines in this range were primarily concentrated among city commercial banks, joint-stock banks, and rural commercial banks [10] - The most common violations included anti-money laundering and customer identity verification issues, alongside traditional problems related to credit "three checks" failures [10]

中国基金报记者 方丽 李树超 陆慧婧 今年1月1日，《公开募集证券投资基金销售费用管理规定》（以下简称《规定》）正式实施，标志着公募基金行业历经两年多的费率改革 终于全面落地。 【导读】《公开募集证券投资基金销售费用管理规定》正式实施，构建公募行业 高质量发展新生态 加强培训传导。 组织全行基金销售人员、客服人员及运营支持人员进行专题培训，确保一线人员能够准确、清晰地向投资者传达政策变 化。 费率改革对工商银行基金销售业务模式提出了更高要求，也指明了转型方向。工商银行将以提升客户盈利体验为导向，加强专业力量，持 续优化建设科学严谨的基金评价筛选体系，在全市场范围内为投资者甄选真正优质的基金管理人和产品，强化资产配置能力，根据客户风 险承受能力与生命周期需求，提供多元化、个性化的基金投资组合建议。 该《规定》引发市场关注，工行、中行、交行、富国基金等头部机构积极发声。这些机构表示， 公募基金费率改革有助于稳步降低投资者 投资成本，提升投资者获得感，进一步推动行业转型和高质量发展。 工商银行：积极落实公募基金销售费率改革 切实提升投资者获得感 公募基金销售费率改革，是践行金融工作人民性的关键举措，核心在于提升投资 ...

Group 1 - From January 1, 2026, digital RMB real-name wallet balances will earn interest based on the current demand deposit rate set by the respective banks, which is currently 0.05% [1] - The digital RMB is categorized into four types of wallets, with only the first three types (real-name wallets) eligible for interest, while the fourth type (anonymous wallet) will not earn interest [1] - The interest will be calculated according to the People's Bank of China’s demand deposit interest rules, with interest credited on the 20th of each quarter's last month [1] Group 2 - There are currently 10 designated operating institutions for digital RMB, including six state-owned commercial banks, two joint-stock commercial banks, and two internet banks [2] - The central bank is working on expanding the number of operating institutions and has introduced a new action plan to enhance the management and service system for digital RMB, set to be implemented on January 1, 2026 [2] - Banks will manage the digital RMB wallet balances autonomously and provide the same level of security as traditional deposits through deposit insurance [2]