中国银行股份有限公司 关于刘进先生辞任副行长的公告 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。 证券代码：601988 证券简称：中国银行 公告编号：临 2025-035 中国银行股份有限公司（简称"本行"）董事会收到刘进先生的 辞呈。刘进先生因职务变动，辞去本行副行长职务。该辞任自 2025 年 4 月 29 日起生效。 刘进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。 本行董事会对刘进先生担任副行长期间对本行做出的贡献表示感 谢。 特此公告 中国银行股份有限公司董事会 二○二五年四月二十九日 ...

中国银行股份有限公司 2025年第一季度 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 | 引言 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。 风险管理、关键审慎监管指标和风险加权资产概览 KM1：监管并表关键审慎监管指标 单位：人民币百万元，百分比除外 | | | a | | b | c | d | | e | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | | | 2025 年 | 3 | 2024 年 12 | 2024 年 9 | ...

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） （「本行」） （股份代號：3988） 2025年第一季度報告 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3月31日 止第一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 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 | 項目 | | 2025年1-3月 | 本報告期比 | | --- | --- | --- | --- | | | | | 上年同期 | | | | | 增減(%) | | 營業收入 | | 164,911 | 2.41 | | 稅後利潤 | | 58,644 | -2.22 | | 本行股東應享稅後利潤 | | 54, ...

中国银行公告称，计划2025-2026年度发行规模不超过3,500亿元人民币金融债券。 ...

Dividend Distribution - Bank of China approved the distribution of dividends for the third phase of domestic preferred shares at a rate of 3.48%, amounting to RMB 2.5404 billion, and for the fourth phase at a rate of 3.27%, amounting to RMB 0.8829 billion[6]. - The bank's independent non-executive directors expressed that the proposed dividend distribution complies with legal regulations and the company's articles of association, ensuring no harm to the bank or shareholders[6]. Financial Bonds - The bank plans to issue financial bonds with a total scale not exceeding RMB 350 billion for general purposes, effective from the date of shareholder meeting approval until the next annual shareholder meeting[7]. - The bank's total issuance of financial bonds is aimed at enhancing its capital structure and supporting its general operational needs[7]. Board of Directors - The board of directors unanimously approved the first quarter report for 2025, with all 15 directors voting in favor[4]. - The board approved the nomination of Giovanni Tria for reappointment as an independent non-executive director, with 14 votes in favor and 1 abstention due to conflict of interest[11]. - The bank's board of directors has made adjustments to the professional committee chairpersons and members, with new appointments effective upon regulatory approval[15]. - The board approved amendments to the company's articles of association and meeting rules, with all proposals receiving unanimous support[8]. - The bank will hold its 2024 annual general meeting, with several key proposals submitted for shareholder approval[17]. Independent Director Nomination - Giovanni Tria - Giovanni Tria has over 40 years of academic and professional experience in macroeconomics, price policy, and economic development[22]. - Giovanni Tria served as Italy's Minister of Economy and Finance from 2016 to 2018 and was a member of the IMF Board[22]. - Giovanni Tria has held various advisory roles, including as an advisor to the Italian government from March 2021 to October 2022[22]. - Giovanni Tria has confirmed his independence and compliance with the qualifications required for independent directors as per Chinese regulations[24]. - Giovanni Tria has no significant business relationships or conflicts of interest that would affect his independence[25]. - Giovanni Tria has not been subject to any administrative or criminal penalties by the China Securities Regulatory Commission in the last 36 months[27]. - Giovanni Tria has committed to fulfilling his duties as an independent director without influence from major shareholders or related parties[28]. - Giovanni Tria's tenure as an independent director at Bank of China will not exceed six years[27]. - Giovanni Tria has participated in training and obtained relevant certification recognized by the stock exchange[24]. - Giovanni Tria's experience includes roles at the World Bank and the International Labour Organization, enhancing his qualifications for the position[22]. Independent Director Nomination - Other Candidates - The nominee possesses over 5 years of experience in legal, economic, accounting, finance, or management, essential for fulfilling independent director responsibilities[31]. - The nominee has participated in training and obtained certification recognized by the stock exchange[31]. - The nominee does not hold any shares exceeding 1% of the company's issued shares, ensuring independence[32]. - The nominee has no adverse records, having passed the qualification review by the Bank of China Limited's Human Resources and Compensation Committee[33]. - The nominee has not been subject to administrative penalties or criminal sanctions by the China Securities Regulatory Commission in the last 36 months[34]. - The nominee's concurrent positions as an independent director in domestic listed companies do not exceed three, and tenure at Bank of China Limited has not surpassed six years[34]. - The nominee has extensive experience in auditing, corporate restructuring, and risk management, holding qualifications as a Hong Kong Certified Public Accountant[36]. - The nominee holds a Bachelor's degree in Commerce from the University of Toronto and an MBA from York University[36]. - The nomination is backed by the Board of Directors of Bank of China Limited, ensuring a thorough verification of the nominee's qualifications[34]. Independent Director Candidate - Hu Zhanyun - The independent director candidate, Hu Zhanyun, has over 5 years of relevant work experience in law, economics, accounting, finance, or management[38]. - Hu Zhanyun has confirmed compliance with the qualifications required by the Company Law of the People's Republic of China and other relevant regulations[39]. - There are no conflicts of interest or relationships that could affect Hu Zhanyun's independence as an independent director[40]. - Hu Zhanyun has not been subject to any administrative or criminal penalties by the China Securities Regulatory Commission in the last 36 months[41]. - The number of domestic listed companies where Hu Zhanyun serves as an independent director does not exceed 3[41]. - Hu Zhanyun possesses a registered accountant qualification and has over 5 years of full-time work experience in accounting, auditing, or financial management[41]. - Hu Zhanyun commits to comply with all relevant laws, regulations, and rules during the tenure as an independent director[42]. - Hu Zhanyun will resign if any circumstances arise that affect his qualifications as an independent director[42]. - The nomination has been reviewed and approved by the Human Resources and Compensation Committee of the Board of Directors of the Bank of China[40]. - The statement confirms the independence and qualifications of Hu Zhanyun as an independent director candidate[43]. Independent Director Nomination - General Qualifications - The nominee for the independent director position at Bank of China has over 5 years of relevant work experience in law, economics, accounting, finance, or management[45]. - The nominee has passed the qualification review by the Bank of China's Human Resources and Compensation Committee, confirming no conflicts of interest[47]. - The nominee has not been subject to any administrative penalties or criminal sanctions by the China Securities Regulatory Commission in the last 36 months[48]. - The nominee has extensive accounting knowledge and experience, holding a CPA qualification with over 5 years of full-time work in accounting, auditing, or financial management[48]. - The nominee's tenure as an independent director at Bank of China will not exceed 6 years, and they serve as an independent director at no more than three domestic listed companies[48]. - The nominee has participated in training and obtained relevant certification recognized by the stock exchange[45]. - The nominee does not hold more than 1% of the issued shares of the listed company or is not among the top ten shareholders[46]. - The nominee has no significant business dealings with the listed company or its controlling shareholders[46]. - The nominee has not been publicly reprimanded by the stock exchange or received three or more critical notices in the last 36 months[48]. - The nominee has a clean record with no major credit issues or other disqualifying circumstances[48]. Independent Director Nomination - Gao Meiyi - The nominee, Gao Meiyi, has over 5 years of relevant experience in law, economics, accounting, finance, and management, qualifying her for the independent director position at Bank of China Limited[53]. - The nominee has participated in training and obtained certification recognized by the securities exchange, confirming her qualifications[60]. - The nominee confirms independence, stating she does not hold more than 1% of the company's issued shares or have significant relationships that could affect her independence[54]. - The nominee has no adverse records that would impact her integrity or qualifications for the independent director role[55]. - The nominee has not been subject to administrative penalties or criminal charges by the China Securities Regulatory Commission in the last 36 months[56]. - The nominee's concurrent positions as an independent director in domestic listed companies do not exceed three, ensuring compliance with regulations[56]. - The nominee commits to adhering to laws, regulations, and the rules of the Shanghai Stock Exchange during her tenure[57]. - The nominating party, Bank of China Limited, believes the nominee meets all legal and regulatory requirements for the independent director position[60]. - The nominee has confirmed her understanding of the responsibilities of an independent director and the consequences of false statements[55]. - The nominee will resign if any circumstances arise that affect her qualifications as an independent director[57]. Independent Director Nomination - General Compliance - The nominated individual has passed the qualification review by the Board of Directors and the Human Resources and Compensation Committee of China Bank[62]. - The nominated individual has no adverse records in the last 36 months, including administrative penalties or criminal charges by the China Securities Regulatory Commission[63]. - The nominated individual has not been publicly reprimanded by the stock exchange or received more than three critical notices in the last 36 months[63]. - The nominated individual does not hold positions in more than three domestic listed companies as an independent director[63]. - The nominated individual has not served as an independent director for more than six consecutive years at China Bank[63]. - The nominated individual has no close relationships that could affect independent performance[62]. - The nominated individual has confirmed compliance with the requirements of the Shanghai Stock Exchange's self-regulatory guidelines for independent directors[62]. - The nominated individual has not been involved in any significant business dealings with the company or its major shareholders[63]. - The nominated individual has not been dismissed from independent director positions due to absence from board meetings[63]. - The nominated individual has no circumstances that would affect their integrity or qualifications as an independent director[63].

智通财经4月29日电，中国银行第一季度净利润543.6亿元人民币，同比下降2.9%。 ...

Financial Performance - For Q1 2025, the operating income was RMB 164.91 billion, representing a year-on-year increase of 2.41%[5] - The net profit after tax for the same period was RMB 58.64 billion, showing a decrease of 2.22% compared to the previous year[5] - In Q1 2025, the group achieved a net profit of RMB 58.644 billion, a year-on-year decrease of 2.22%[15] - Total operating income reached RMB 164.911 billion, an increase of RMB 3.873 billion or 2.41% year-on-year[15] - The basic and diluted earnings per share were RMB 0.18, down from RMB 0.32 in the same period last year[5] - The weighted average return on equity (annualized) was 9.09%, a decrease of 0.77 percentage points compared to the previous year[5] - Net interest income was RMB 107.727 billion, down RMB 4.985 billion or 4.42% year-on-year, with a net interest margin of 1.29%[15] - Non-interest income totaled RMB 57.184 billion, up RMB 8.858 billion or 18.33% year-on-year, accounting for 34.68% of total operating income[15] Assets and Liabilities - The total assets as of March 31, 2025, amounted to RMB 35.99 trillion, an increase of 2.64% from the end of 2024[5] - Total assets amounted to RMB 35,987.147 billion, an increase of RMB 925.848 billion or 2.64% from the end of the previous year[16] - Customer loans and advances reached RMB 32,260.874 billion, up RMB 1,014.680 billion or 4.70% year-on-year[16] - Total liabilities increased to RMB 33,019.414 billion, a rise of RMB 911.079 billion or 2.84% from the end of the previous year[17] - Total liabilities increased to RMB 33,019,414 million as of March 31, 2025, up from RMB 32,108,335 million as of December 31, 2024[25] Shareholder Information - As of March 31, 2025, the total number of ordinary shareholders was 581,247, including 419,116 A-share shareholders and 162,131 H-share shareholders[9] - The top ten ordinary shareholders held a combined 64.13% of the shares, with the largest shareholder being Central Huijin Investment Ltd.[10] - The total number of preferred shareholders was 104, all of whom were domestic investors[12] - The total equity attributable to shareholders was RMB 2.83 trillion, reflecting a slight increase of 0.36% from the end of the previous year[5] - Total equity attributable to shareholders was RMB 2,967.733 billion, an increase of RMB 14.769 billion or 0.50%[18] Cash Flow and Dividends - The net cash flow from operating activities was a net outflow of RMB 40.46 billion, a significant decline from a net inflow of RMB 3.24 billion in the same period last year[7] - The net cash flow from operating activities for Q1 2025 was a negative RMB 40,463 million, compared to a positive RMB 3,240 million in Q1 2024[27] - The company announced a cash dividend of RMB 1.208 per 10 shares, totaling RMB 35.562 billion, and a second phase of overseas preferred stock dividends amounting to approximately USD 10.15 million[20][21] - Cash dividends paid to ordinary shareholders in Q1 2025 amounted to 35,562 thousand, marking a new distribution compared to no dividends in Q1 2024[29] Investment Activities - Cash flow from investment activities for Q1 2025 was a net outflow of 370,671 thousand, compared to a net outflow of 148,016 thousand in Q1 2024, indicating a significant increase in investment expenditures[29] - Cash paid for the purchase of financial investments in Q1 2025 was 1,600,188 thousand, compared to 1,368,275 thousand in Q1 2024, reflecting increased investment activity[29] - Cash paid for the acquisition of fixed assets in Q1 2025 was 5,122 thousand, significantly higher than 2,526 thousand in Q1 2024, suggesting expansion in capital expenditures[29] Customer Deposits and Loans - The company reported a significant increase in customer deposits, with a net increase of RMB 1,412,785 million in Q1 2025 compared to RMB 1,208,403 million in Q1 2024[27] - Customer loans and advances net amount reached RMB 22,052,439 million as of March 31, 2025, an increase from RMB 21,055,282 million as of December 31, 2024[24] Other Financial Metrics - The non-performing loan ratio remained stable at 1.25%, with a provision coverage ratio of 197.97%, down 2.63 percentage points from the end of the previous year[18] - Other comprehensive income for Q1 2025 was a negative RMB 23,648 million, contrasting with a positive RMB 8,602 million in Q1 2024[23] - Interest income received in Q1 2025 was 205,639 thousand, down from 224,791 thousand in Q1 2024, indicating a decline in interest earnings[29] - Interest paid in Q1 2025 was 137,416 thousand, down from 150,442 thousand in Q1 2024, indicating improved interest expense management[29] - The cash balance at the end of Q1 2025 was 1,803,874 thousand, a decrease from 2,416,045 thousand at the end of Q1 2024, showing a reduction in liquidity[29] - The net decrease in cash and cash equivalents for Q1 2025 was 565,055 thousand, compared to a decrease of 100,680 thousand in Q1 2024, highlighting increased cash outflows[29]

Group 1 - The core viewpoint is that China Bank's Ningbo branch is actively exploring new paths for the development of pension finance, providing warm and in-depth financial support for the elderly population, aiming to achieve "support for the elderly, dependence on the elderly, and enjoyment for the elderly" [1] - As of March 2025, the loan balance for the pension industry at China Bank's Ningbo branch has exceeded 330 million yuan [1] - The branch has provided a total of 190 million yuan in credit support to a local elderly care service company, which will become the only care institution with a "hospital license" in the area, expected to solve the pension issues for over 700 elderly individuals [1] Group 2 - China Bank's Ningbo branch is expanding financial services to enhance the convenience of life for the elderly, integrating services into various life scenarios to increase the sense of gain, happiness, and security for the elderly population [2] - Since June 2024, the branch has issued 26 housing loans to clients aged 60 and above, with a total amount exceeding 25 million yuan [2] - The branch aims to continue focusing on pension finance as an important means of serving people's livelihoods, building a multi-level service system, innovating product supply, and optimizing elderly-friendly services to support the high-quality development of the pension industry in Ningbo [2]

宁波某养老服务公司养老院项目主要面向失智失能老人、急性病恢复期和中长期康复者等群体给予养老 配套服务，筹建初期由于资金需求体量大，面临融资困境。中国银行宁波市分行主动对接，通过高效审 批为企业送去金融"及时雨"，累计给予信贷支持1.9亿元。养老院正式运营后，预计将提供766个床位， 解决700余名老人的养老问题。 坚持服务民生初心，多措并举服务银发客群 以提升银发客群生活便利性为核心，中国银行宁波市分行将金融服务融入各类生活场景，不断增强银发 客群获得感、幸福感、安全感。 转自：新华财经 近年来，中国银行宁波市分行积极探索养老金融发展新路径，为银发群体提供有温度、有深度的金融支 持，助力实现"老有所养、老有所依、老有所乐"。 精准对接产业需求，赋能养老产业发展 将养老产业作为重点支持领域，中国银行宁波市分行持续加大金融支持力度，促进养老产业健康发展。 截至2025年3月末，该行养老产业贷款余额超3.3亿元。 此外，中国银行宁波市分行深入贯彻落实金融支持房地产增量政策，积极满足银发客群刚需及改善性住 房需求，2024年6月以来，该行向60（含）周岁以上客户发放住房贷款26笔，累计金额2508万元。 未来，中国银 ...

Market Overview - China is one of the fastest-growing major economies globally, with a GDP of $17.8 trillion in 2023, accounting for 16.8% of the world economy [17][22] - The bond market in China is projected to exceed 177 trillion yuan by the end of 2024, with the interbank bond market showing robust growth, holding 155.8 trillion yuan, which is 88.0% of the total bond market [27][32] Reform of Operating Mechanisms - The report emphasizes market-oriented reforms, including the promotion of a registration system and the establishment of a transparent information disclosure system [2][40] - A fair and just pricing mechanism for bond issuance has been developed, along with enhanced self-regulation in the issuance process [2][40] Product and Service Innovation - The interbank bond market offers a diverse range of products that support green development, sustainable growth, and technology finance [2][9] - Asset securitization is being utilized to promote inclusive finance, and a variety of risk hedging tools are available [2][9] Strengthening Self-Regulation - The association conducts regular business inspections and evaluations of intermediary institutions to enhance self-regulation and provide a dispute resolution platform [2][11] Expansion of Market Openness - The Panda bond market provides financing channels for foreign issuers, optimizing information disclosure and pricing mechanisms for international investors [2][12] - The report highlights the importance of creating a favorable environment for foreign intermediaries to operate in the Chinese bond market [2][12] Overall Development - The Chinese bond market is continuously evolving through reforms in operating mechanisms, product offerings, risk management, self-regulation, and market openness, indicating a promising future for sustained healthy development [2][12]