中国农业银行股份有限公司独立董事关于 董事会 2023 年第 5 次会议相关事项的 独立意见 根据《中华人民共和国公司法》《中华人民共和国证券法》 《上海证券交易所股票上市规则》及《上海证券交易所上市公司 自律监管指引第1号——规范运作》等法律法规及规范性文件的 要求，以及《中国农业银行股份有限公司章程》（以下简称 "《公司章程》"）等相关规章制度的规定，作为中国农业银行股 份有限公司（以下简称"本行"）的独立董事，我们认真审阅了相 关议案，在全面了解、充分讨论的基础上，就本行董事会2023年 第5次会议审议的以下议案所涉及事项发表独立意见如下： 一、中国农业银行股份有限公司2022年度董事薪酬标准方案 2022年度董事薪酬情况具体内容见本行同日刊载于上海证券 交易所网站（www.sse.com.cn）的董事会决议公告附件。 经核查相关文件并现场沟通了解，我们认为，2022年度董事 薪酬标准方案符合有关法律法规、规范性文件、《公司章程》的 要求，不存在损害本行及股东，特别是中小股东的合法权益的情 形。 综上，经认真考虑，同意2022年度董事薪酬标准方案。 二、中国农业银行股份有限公司2022年度高级管理人员薪 ...

1、中国农业银行股份有限公司 2023 年半年度报告及摘要。 议案表决情况：本议案有效表决票 6 票，同意 6 票，反对 0 票，弃权 0 票。 证券代码：601288 证券简称：农业银行 公告编号：临 2023-034 号 中国农业银行股份有限公司 监事会决议公告 中国农业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 担个别及连带责任。 中国农业银行股份有限公司（以下简称"本行"）监事会 2023 年第四次会议于 2023 年 8 月 18 日以电子邮件方式发出会议通 知，于 2023 年 8 月 29 日在北京以现场会议方式召开。会议应出 席监事 6 名，亲自出席监事 6 名。会议的召开符合法律法规、《中 国农业银行股份有限公司章程》及《中国农业银行股份有限公司 监事会议事规则》的有关规定。因本行监事长空缺，经全体监事 推举，会议由汪学军监事主持，本次监事会会议审议并通过以下 议案： 议案表决情况：本议案有效表决票 6 票，同意 6 票，反对 0 票，弃权 0 票。 3、中国农业银行股份有限公司 2022 年度监事薪酬标准 ...

证券代码：601288 证券简称：农业银行 公告编号：临 2023-033 号 中国农业银行股份有限公司 董事会决议公告 中国农业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个 别及连带责任。 中国农业银行股份有限公司（以下简称"本行"）董事会于 2023年8月14日以书面形式发出会议通知，于2023年8月29日在北 京以现场方式召开会议。会议应出席董事15名，亲自出席董事15 名。会议召开符合法律法规、《中国农业银行股份有限公司章程》 及《中国农业银行股份有限公司董事会议事规则》的规定。 会议由谷澍董事长主持，审议并通过了以下议案： 一、中国农业银行股份有限公司2023年半年度报告及摘要 议案表决情况：有效表决票15票，同意15票，反对0票，弃 权0票。 具体内容见上海证券交易所网站（www.sse.com.cn）。 二、中国农业银行股份有限公司2023年上半年全面风险管理 报告 议案表决情况：有效表决票15票，同意15票，反对0票，弃 权0票。 三、中国农业银行股份有限公司2022年度董事薪酬标准方案 谷澍先生、付万军先 ...

Financial Performance - Agricultural Bank of China reported unaudited interim results for the six months ended June 30, 2023[1]. - The bank's total assets reached RMB 30 trillion, an increase of 8% year-on-year[2]. - Net profit attributable to shareholders for the period was RMB 100 billion, representing a growth of 5% compared to the same period last year[2]. - Net profit for the first half of 2023 was RMB 133,831 million, representing a 3.4% increase compared to RMB 128,950 million in the same period of 2022[10]. - In the first half of 2023, the company achieved a net profit of RMB 133.83 billion, an increase of RMB 5.05 billion, or 3.9% year-on-year[14]. - The company's pre-tax profit was RMB 155.97 billion, a slight decrease of RMB 80 million, or 0.1% year-on-year[14]. - The bank's operating income for the first half of 2023 was RMB 365,794 million, slightly down from RMB 387,659 million in the same period of 2022[10]. - Total operating income for H1 2023 was RMB 365,794 million, slightly up from RMB 363,195 million in H1 2022[34]. Asset Quality - The non-performing loan ratio stood at 1.5%, a decrease of 0.1 percentage points from the previous year[2]. - The non-performing loan ratio improved to 1.35% as of June 30, 2023, down from 1.37% at the end of 2022[11]. - The company's non-performing loan ratio was not explicitly stated, but the focus remains on managing credit risks in key areas such as real estate[13]. - The total amount of overdue loans as of June 30, 2023, was RMB 214,758 million, representing 0.99% of the total loan amount, a decrease from 1.08% as of December 31, 2022[133]. - The company's personal housing loan non-performing balance and non-performing rate both decreased during the reporting period, indicating stable asset quality in personal loans[128]. Customer Deposits and Loans - Customer deposits increased by 6% to RMB 25 trillion, reflecting strong customer confidence[2]. - Customer loans and advances totaled RMB 21,791,905 million, up 10.3% from RMB 19,765,745 million at the end of 2022[9]. - Total deposits increased to RMB 26,108,588 million in H1 2023, up from RMB 22,235,871 million in H1 2022, representing a growth of 17.0%[25]. - The balance of loans to private enterprises reached CNY 3.5 trillion as of June 30, 2023[66]. - The balance of county-level corporate loans (excluding bill discounting) was CNY 4.7081 trillion, an increase of CNY 743.6 billion compared to the end of the previous year[112]. Digital Transformation and Innovation - The bank plans to expand its digital banking services, aiming for a 20% increase in online transactions by the end of 2024[2]. - The company aims to accelerate digital transformation projects and improve integrated online and offline operational capabilities[13]. - The monthly active users of the mobile banking app reached 194 million, maintaining the leading position in the industry[88]. - The company has successfully launched a blockchain cloud service platform, enabling automated deployment and unified user authentication[103]. - The company has established a digital business operation center in Hefei to enhance operational efficiency and centralized operations[105]. Green Finance Initiatives - Agricultural Bank of China is focusing on green finance, with a target of allocating RMB 500 billion to green projects over the next three years[2]. - The bank's total green loans reached RMB 3.62 trillion, an increase of 34.4% compared to the end of the previous year[174]. - Cumulative carbon reduction loans issued amounted to RMB 137.4 billion, leading to an annual carbon reduction of 32.79 million tons of CO2 equivalent[174]. - The bank's green leasing assets reached RMB 60.051 billion as of June 30, 2023, an increase of 8.9%, with green leasing assets accounting for 67.0% of total leasing assets[176]. - The bank's green finance strategy is one of its three major strategies, focusing on carbon neutrality and promoting green financial product innovation[173]. Risk Management - The company has implemented a differentiated regional credit policy to enhance the granularity of credit management, focusing on sectors like smart manufacturing and digital economy[127]. - The company is actively enhancing its digital risk control platform to develop and optimize credit risk identification and early warning models[127]. - The bank has enhanced its digital risk management capabilities and strengthened credit management foundations to maintain stable credit asset quality[137]. - The company has optimized its risk warning models and improved the accuracy of risk identification in personal loans, enhancing overall risk management capabilities[128]. - The company has increased efforts in handling non-performing loans, focusing on cash recovery and restructuring to improve disposal efficiency[127]. Corporate Governance and Compliance - The board of directors consists of 15 members, including 4 executive directors and 5 independent non-executive directors, ensuring a diverse governance structure[200]. - The company has organized a "Compliance Benchmark Construction Year" activity to enhance compliance awareness and create a culture of integrity[195]. - The internal control evaluation framework has been continuously optimized to improve risk assessment capabilities and enhance compliance management[196]. - The company has implemented a comprehensive anti-money laundering risk assessment framework to enhance its risk control capabilities[194]. - The company emphasizes the importance of internal audits to promote strategic decision-making and improve overall governance levels[199].

本期债券于 2023 年 8 月 24 日簿记建档，于 2023 年 8 月 28 日发行完毕。本期债券发行规模为人民币 400 亿元，前 5 年票面 利率为 3.21%，每 5 年调整一次，在第 5 年及之后的每个付息日 附发行人有条件赎回权。 证券代码：601288 证券简称：农业银行 公告编号：临2023-032号 中国农业银行股份有限公司 关于2023年无固定期限资本债券（第一期） 发行完毕的公告 中国农业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 性承担个别及连带责任。 经国家金融监督管理总局和中国人民银行批准，中国农业银 行股份有限公司（以下简称"本行"）在全国银行间债券市场发行 "中国农业银行股份有限公司 2023 年无固定期限资本债券（第一 期）"（以下简称"本期债券"）。 依据适用法律和监管机构批准，本期债券募集资金将用于补 充本行其他一级资本。 特此公告。 中国农业银行股份有限公司董事会 二 O 二三年八月二十八日 1 ...

证券代码：601288 证券简称：农业银行 公告编号：临 2023-031 号 中国农业银行股份有限公司（以下简称"本行"）于近日收到 《国家金融监督管理总局关于农业银行刘洪任职资格的批复》 （金复[2023]208号）。刘洪先生自2023年8月21日起就任本行副 行长。 刘洪先生的简历请参见本行2023年7月29日刊载于上海证券 交易所网站（www.sse.com.cn）的《中国农业银行股份有限公司 董事会决议公告》。 特此公告。 中国农业银行股份有限公司董事会 2023 年 8 月 24 日 中国农业银行股份有限公司 关于副行长任职的公告 中国农业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个 别及连带责任。 1 ...

证券代码：601288 证券简称：农业银行 公告编号：临 2023-030 号 中国农业银行股份有限公司 关于召开2023年中期业绩发布会的公告 中国农业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 承担个别及连带责任。 重要内容提示： 本行拟于2023年8月29日披露本行2023年中期业绩。为了便于广 大投资者更全面深入地了解本行2023年中期业绩和经营情况，本行拟 于 2023年8月29日（星期二）17:00-18:30召开业绩发布会，就2023年 1 会议召开时间：2023年8月29日（星期二）17:00-18:30 会议召开方式：网络直播 网络直播地址：http://www.wscloud.hk/d/1288HK_2023IR 投资者如需提问，可于2023年8月25日（星期五）23:59前将相关 问题通过电子邮件形式发送至本行投资者关系邮箱： ir@abchina.com，或于直播时间登陆上述网络直播地址问答区留 言。本行将于2023年中期业绩发布会（下称"业绩发布会"）上 对投资者普遍关注的业绩问题进行回答。 中期业绩 ...

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份內容而產生或因倚賴該等內容而引致的任何損失承擔任 何責任。 中國農業銀行股份有限公司 AGRICULTURAL BANK OF CHINA LIMITED （於中華人民共和國註冊成立之股份有限公司） （股份代號：1288） 董事會會議召開日期 中國農業銀行股份有限公司（「本行」）董事會（「董事會」）謹此宣佈，本行將於2023年8月 29日（星期二）召開董事會會議，以考慮及批准（其中包括）本行截至2023年6月30日止的 2023年度中期業績。 承董事會命 中國農業銀行股份有限公司 韓國強 公司秘書 中國北京 2023年8月17日 於本公告日期，本行的執行董事為谷澍先生、付萬軍先生、張旭光先生和林立先生；本行的非執行董事為 廖路明先生、李蔚先生、周濟女士、劉曉鵬先生、肖翔先生和張奇先生；本行的獨立非執行董事為黃振中先生、 梁高美懿女士、劉守英先生、吳聯生先生和汪昌雲先生。 ...

Financial Performance - The company achieved operating revenue of 189.36 billion RMB, a year-on-year increase of 2.19%[57]. - Net profit attributable to shareholders of the parent company was 71.55 billion RMB, reflecting a growth of 1.75% compared to the previous year[41]. - The total operating income for the group reached RMB 189,360 million for the three months ended March 31, 2023, compared to RMB 185,305 million for the same period in 2022, reflecting a growth of 1.1%[93]. - The total profit before tax was RMB 83,027 million, down from RMB 85,140 million, a decrease of 2.5% year-on-year[93]. - The net profit attributable to shareholders for the first quarter of 2023 was CNY 60.1 billion, compared to CNY 64.2 billion for the same period in 2022[75]. - The total comprehensive income for the first quarter of 2023 was CNY 60.1 billion, compared to CNY 64.2 billion for the same period in 2022[75]. Cash Flow and Liquidity - The net cash flow from operating activities for the first quarter of 2023 was RMB 905,857 million, a significant increase of 146.64% compared to RMB 367,281 million in the same period of 2022[25]. - The group reported a net cash inflow of RMB 663,541 million for the period, compared to RMB 159,862 million in the same period last year, indicating a substantial increase[98]. - The average liquidity coverage ratio for the first quarter of 2023 was 124.5%[69]. - The average liquidity coverage ratio for the first quarter of 2023 was 124.5%, down by 7.6 percentage points from the previous quarter, indicating a decrease in liquidity buffer[88]. - The cash and cash equivalents at the end of the period stood at RMB 2,369,174 million, up from RMB 1,284,624 million, reflecting a significant increase of 84.7%[98]. Assets and Liabilities - As of March 31, 2023, the total assets of the group reached RMB 36,811,547 million, an increase from RMB 33,925,488 million at the end of 2022, representing an increase of approximately 8.5%[17]. - Total liabilities increased to 340,783.56 billion RMB, reflecting a growth of 9.04% from the previous year-end[58]. - The total expected cash outflows amounted to CNY 7,365.05 billion, while the total expected cash inflows were CNY 3,660.56 billion[69]. - The balance of loans to the manufacturing sector as of March 31, 2023, was RMB 26,925 million, indicating a continued focus on supporting the real economy[3]. - The balance of inclusive finance loans was CNY 3,136.8 billion, up by CNY 570.7 billion, reflecting a growth of 22% compared to the end of the previous year[60]. Shareholder Information - The total number of common shareholders at the end of the reporting period is 476,934, with the top ten shareholders holding a combined 40.39% of shares[30]. - The largest shareholder, Central Huijin Investment Ltd., holds 140,087,446,351 shares, representing 40.03% of the total[30]. - The second-largest shareholder, the Ministry of Finance, holds 123,515,185,240 shares, accounting for 35.29%[30]. - The total number of preferred shareholders is 36, with the largest holding being 55,600,000 shares by China Merchants Jinling Shipyard[33]. - The preferred shares held by the top ten shareholders account for 13.90% of the total preferred shares[33]. Financial Ratios and Coverage - The leverage ratio as of March 31, 2023, was 7.05%, exceeding regulatory requirements[15]. - The leverage ratio as of March 31, 2023, was 7.05%, down from 7.52% at the end of 2022[70]. - The company’s provision coverage ratio improved to 302.61%, up by 0.01 percentage points from the previous year-end[52]. - The bank's core tier 1 capital adequacy ratio stood at 10.70%, down from 11.15% in the previous quarter, indicating a slight decline in capital strength[86]. - The non-performing loan balance stood at 287.90 billion RMB, with a non-performing loan ratio of 1.37%, unchanged from the end of the previous year[52]. Investment Activities - The group reported a cash inflow from investment activities of RMB 585,554 million for the first quarter of 2023, compared to RMB 475,734 million in the same period of 2022[22]. - The group’s cash outflow from investment activities was RMB 808,434 million for the first quarter of 2023, up from RMB 679,247 million in the same period of 2022[22]. - Investment income surged to RMB 4,607 million, significantly higher than RMB 1,574 million in the previous year, marking an increase of 192.5%[93]. Operational Highlights - The bank plans to expand its market presence through strategic partnerships and technology investments in the coming quarters[76]. - The bank's net profit for the first quarter of 2023 is expected to show a positive trend, driven by increased interest income and improved asset quality[76]. - The bank's non-performing loan ratio remained stable, reflecting effective risk management practices[76].

Financial Performance - The operating income for Q1 2023 was RMB 189,365 million, a decrease of 2.24% compared to RMB 205,857 million in the same period last year[5] - The net profit attributable to shareholders of the parent company was RMB 71,554 million, representing a 1.75% increase from RMB 70,750 million year-on-year[5] - For the three months ending March 31, 2023, the group achieved a net profit of RMB 72.115 billion, an increase of 2.83% year-on-year[14] - The group reported operating revenue of RMB 189.365 billion, a year-on-year increase of 2.24%[14] - The net profit for the first quarter of 2023 is RMB 72,115 million, up from RMB 70,132 million in the same period of 2022, representing a growth of about 2.8%[31] - The total comprehensive income for the first quarter of 2023 is RMB 60,103 million, down from RMB 64,203 million in the same period of 2022[31] Cash Flow and Liquidity - The net cash flow from operating activities surged to RMB 905,857 million, a significant increase of 146.64% compared to RMB 367,281 million in Q1 2022[6] - The significant increase in net cash flow from operating activities was primarily due to the growth in net deposits and interbank placements[6] - The bank's net cash from operating activities for the first quarter of 2023 was RMB 905,857 million, significantly higher than RMB 367,281 million in the same period of 2022[34] - The adjusted net cash outflow for the first quarter of 2023 is RMB 4,333,454 million[28] - The total expected cash inflow for the first quarter of 2023 is RMB 3,031,591 million[28] - The liquidity coverage ratio averaged 124.5% in Q1 2023, a decrease of 7.6 percentage points from the previous quarter[27] Assets and Liabilities - The total assets at the end of Q1 2023 reached RMB 36,811,547 million, reflecting an 8.51% increase from RMB 33,927,533 million at the end of the previous year[5] - As of March 31, 2023, total assets increased to RMB 36,811,547 million, up from RMB 33,925,488 million as of December 31, 2022, representing an increase of approximately 8.5%[32] - Total liabilities increased to RMB 34,078,356 million from RMB 31,251,728 million, reflecting a growth of approximately 9.0%[33] - The total customer loans and advances amounted to RMB 21,132.46 billion, up by RMB 136.86 billion or 6.92% year-on-year[15] - Customer loans and advances rose to RMB 20,285,884 million, compared to RMB 18,980,973 million at the end of 2022, marking an increase of about 6.9%[32] Shareholder Information - The number of ordinary shareholders at the end of the reporting period was 476,934, with the top two shareholders holding a combined 75.32% of shares[7] - Central Huijin Investment Ltd. held 40.03% of shares, while the Ministry of Finance of the People's Republic of China held 35.29%[7] - Cash dividends of RMB 1.936 billion were distributed to shareholders, with a dividend yield of 4.84%[20] Capital and Equity - The equity attributable to shareholders of the parent company increased to RMB 2,726,520 million, a rise of 2.19% from RMB 2,668,412 million at the end of the previous year[5] - The bank's total equity increased to RMB 2,733,191 million from RMB 2,673,760 million, reflecting an increase of about 2.2%[33] - The bank's core tier 1 capital adequacy ratio was 10.70%, down from 11.15% at the end of the previous year[25] - The leverage ratio as of March 31, 2023, is 7.05%, which is above regulatory requirements[29] Income and Expenses - Net interest income was RMB 145.607 billion, a decrease of 3.54% year-on-year, with a net interest margin of 1.70%[14] - Operating expenses rose by 5.03% year-on-year to RMB 49.921 billion, with a cost-to-income ratio of 24.52%, up 0.61 percentage points year-on-year[14] - Credit impairment losses increased by RMB 3.631 billion year-on-year to RMB 56.513 billion[14] - The bank's interest income from investment securities was RMB (72,963) million for the first quarter of 2023, compared to RMB (65,437) million in the same period of 2022, indicating a decline in interest income[34] Other Financial Metrics - The return on average equity (annualized) decreased to 12.60%, down by 0.79 percentage points from 13.39% in the previous year[5] - The annualized average total asset return rate was 0.82%, a decrease of 0.12 percentage points year-on-year[14] - The annualized weighted average return on equity was 12.60%, down 0.79 percentage points year-on-year[14] - Basic earnings per share remained flat at RMB 0.20 compared to the same period last year[14] - The weighted average number of shares for basic and diluted earnings per share remained unchanged at RMB 0.20 per share[5] - The net trading income for the first quarter of 2023 is RMB 10,174 million, compared to RMB 564 million in the same period of 2022[30]