第一章 总则 第一条 为规范中国银行股份有限公司（以下简称"本 行"）募集资金的管理和使用，最大限度地保障投资者的利 益，保证募集资金的安全，提高募集资金的使用效率，根据 《中华人民共和国公司法》《中华人民共和国证券法》《上 市公司证券发行注册管理办法》《上市公司监管指引第2号 ——上市公司募集资金管理和使用的监管要求》《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》等有关法律法规、规范性文件 和《中国银行股份有限公司章程》的相关规定，并结合本行 的实际情况，制订本办法。 第二条 本办法所称募集资金是指本行通过发行股票及 其衍生品种，向投资者募集并用于特定用途的资金。 第二章 募集资金的存储 第三条 为保证募集资金的安全使用和有效监管，本行 应开设募集资金专项账户（以下简称"专户"），募集资金 应当存放于经董事会批准设立的专户集中管理。专户不得存 放非募集资金或用作其他用途。 本行存在两次以上融资的，应当分别设置专户。 中国银行股份有限公司募集资金存储及使用管理办法 （2025年修订） 1 第四条 本行应在募集资金到账后1个月内与保荐人或 者独立财务顾问签订专户存储 ...

Investment Rating - The report maintains a "Strong Buy" recommendation for the company [4]. Core Views - The company reported a significant increase in quarterly profits, with a year-on-year growth of 8.8% in net profit for Q4 2024, indicating a recovery from previous quarters [2]. - The company has shown steady asset growth, with interest-earning assets increasing by 8.1% year-on-year in 2024, and loans growing by 8.2% [2]. - The net interest margin remained stable, with a slight decrease to 1.40% for the year, but a projected recovery in Q4 2024 to 1.36% [2]. - Other non-interest income saw a substantial increase of 35% year-on-year, driven by trading gains and the realization of OCI investment income [2]. Summary by Sections 1. Performance - The company reported a total revenue of 630,090 million yuan for 2024, with a year-on-year growth of 1.16% [8]. - The net profit attributable to shareholders for 2024 was 237,841 million yuan, reflecting a growth of 2.56% [8]. - The report highlights a decline in the growth rate of operating income compared to previous quarters, but an overall recovery in net profit growth [1][2]. 2. Non-Interest Income - Non-interest income increased significantly, with a year-on-year growth of 35% in 2024, primarily from trading gains and OCI income realization [2][31]. - The report notes a strong performance in other non-interest income categories, contributing positively to overall profitability [2]. 3. Interest Margin and Asset Quality - The net interest margin for 2024 was reported at 1.40%, with a slight decrease from earlier quarters, but a projected recovery in Q4 [2][3]. - The company maintained a stable non-performing loan ratio of 1.25% at the end of Q4 2024, with improvements in certain sectors [3]. 4. Capital and Shareholder Returns - The company plans to distribute a total dividend of 0.24 yuan per share for 2024, maintaining a stable payout ratio of 30% [2]. - The report indicates that the recent capital injection from state-owned banks may dilute EPS but enhance long-term dividend sustainability [2].

Bank of China Limited (OTCPK:BACHF) Q4 2024 Earnings Conference Call March 26, 2024 7:00 AM ET Company Participants Zhuo Chengwen - Secretary to the Board of Directors & Company Secretary Yu Ke - Securities Affairs Representative Zhang Hui - Vice Chairman, Executive Director & President Zhang Xiaodong - EVP Cai Zhao - Party Committee Leading Group Member Wu Jian - EVP Conference Call Participants Kunpeng Ma - CITIC Securities Xu Ran - Morgan Stanley Operator Zhuo Chengwen Dear investors, analysts, friends f ...

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） 2024 年年度業績公告 本行董事會欣然宣佈本行及其附屬公司截至2024年12月31日止之經審計業績。 本公告列載本行2024年年度報告全文，並符合香港上市規則中有關年度業績 初步公告附載的資料之要求。本行2024年年度報告的印刷版本將於2025年4月 下旬寄發予本行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。 中國銀行簡介 中國銀行是中國持續經營時間最久的銀行。1912年2月正式成立，先後行使中央銀 行、國際匯兌銀行和國際貿易專業銀行職能。1949年以後，長期作為國家外匯外 貿專業銀行，統一經營管理國家外匯，開展國際貿易結算、僑匯和其他非貿易外匯 業務。1994年改組為國有獨 ...

Financial Performance - China Bank reported a total revenue of RMB 600 billion for the fiscal year 2024, representing a year-on-year increase of 8%[1]. - The bank's net profit attributable to shareholders reached RMB 200 billion, up 10% compared to the previous year[1]. - The bank reported operating income of RMB 630,090 million for 2023, an increase from RMB 585,367 million in 2022, reflecting a growth of approximately 7.6%[13]. - The bank's net profit for 2023 was RMB 246,371 million, compared to RMB 252,719 million in 2022, indicating a decrease of about 2.0%[26]. - The return on equity (ROE) for 2023 was 9.50%, down from 10.12% in 2022[28]. - The bank proposed a final dividend of RMB 1.216 per 10 shares for 2024, in addition to an interim dividend of RMB 1.208 per 10 shares paid in 2024[10]. - The group achieved a net profit of RMB 252.72 billion in 2024, an increase of RMB 6.35 billion or 2.58% year-on-year[54]. - The average return on total assets decreased to 0.75% from 0.80% in 2023[34]. - The total profit of the overseas business reached USD 9.28 billion in 2024, a year-on-year growth of 14.75%[146]. Digital Banking and User Growth - User data indicates that the number of active digital banking users has grown to 150 million, an increase of 15% year-on-year[1]. - The cumulative number of mobile banking signed customers surpassed 293 million, reflecting a 6.90% increase from the previous year[45]. - The bank's mobile banking active users reached 97.93 million, with a year-on-year increase of 11.59%[114]. Risk Management and Capital Adequacy - The bank aims to enhance its risk management framework, targeting a reduction in non-performing loan ratio to below 1.5% by 2025[1]. - The bank's capital adequacy ratio stands at 14%, above the regulatory requirement of 10.5%[1]. - The non-performing loan coverage ratio for 2023 was 200.60%, up from 191.66% in 2022, indicating improved risk management[32]. - The bank's bad loan ratio was 1.50%, with a provision coverage ratio of 211.19%[53]. International Expansion and Market Presence - China Bank plans to expand its international presence by opening 10 new branches in key markets by the end of 2025[1]. - The group provided CNY 1.91 trillion in credit support to 102,900 technology enterprises by the end of 2024[105]. - The company provided loans exceeding 600 billion yuan to over 40,000 "specialized, refined, unique, and innovative" small and medium-sized enterprises in the technology sector[125]. Green Finance Initiatives - Investment in green finance initiatives has reached RMB 30 billion, with a goal to increase this by 25% in the next fiscal year[1]. - The domestic green credit balance grew by 31.03%, with the group leading in green bond underwriting in the interbank market[45]. - The bank's green financial product management scale is RMB 765.24 billion, with green and ESG public fund products managing approximately RMB 35.15 billion[110]. - The balance of green leasing assets is RMB 321.77 billion, accounting for 48.55% of total leasing assets[110]. Loan and Deposit Growth - The total amount of loans and advances issued by the group was RMB 21.59 trillion, an increase of RMB 1.63 trillion or 8.18% year-on-year[74]. - The total deposits of the group reached RMB 24,202.59 billion by the end of 2024, an increase of RMB 2,295.54 billion, or 10.03%, compared to the end of 2023[86]. - The balance of agricultural loans reached CNY 2.50 trillion, an increase of CNY 5,011.28 billion from the previous year[113]. Operational Efficiency and Cost Management - The cost-to-income ratio for 2023 was 28.50%, slightly improved from 28.77% in 2022[24]. - The cost-to-income ratio of the group was 28.77%, an increase of 0.27 percentage points year-on-year, indicating effective cost management[70]. - The group's business and management expenses reached RMB 181.26 billion, up RMB 3.76 billion or 2.12% compared to 2023[69]. Cross-Border and International Services - The company processed cross-border RMB clearing of CNY 13.14 trillion in 2024, a year-on-year growth of 40.05%, continuing to lead globally in this area[159]. - The company signed up 64,900 customers for the cross-border wealth management scheme in the Guangdong-Hong Kong-Macao Greater Bay Area[154]. - The bank supported over 1,200 corporate credit projects in Belt and Road countries, with cumulative credit support exceeding USD 372 billion[148]. Technological Innovation and Digital Transformation - The bank has established a multi-level organizational system for technology finance, including a central technology finance center and 24 first-level branch centers[107]. - The bank launched a digital RMB visible hard wallet, enhancing features such as transaction amount display and dynamic QR codes, and optimized services for short-term foreign visitors to China[162]. - The bank's digital transformation includes new features in mobile banking, such as the ability to buy and sell certificates of deposit and open precious metal accounts[176].

中国银行股份有限公司 内部控制审计报告 re and 2024年12月31日 您可使用手机"扫一扫"或进入"比明有干证明该审计报告是否由具有救业许可的会计师好务所出具 一级行业 图:京25T4Z09FCW 12 11 一、企业对内部控制的责任 按照《企业内部控制基本规范》、《企业内部控制应用指引》、《企业内部控制评价指引》 的规定，建立健全和有效实施内部控制，并评价其有效性是中国银行董事会的责任。 二、注册会计师的责任 Ernst & Young Hua Ming LLP Level 17. Ernst & Young Tower Oriental Plaza, 1 East Chang An Avenu Donachena District Beijing. China 100738 我们的责任是在实施审计工作的基础上,对财务报告内部控制的有效性发表审计意见,并 对注意到的非财务报告内部控制的重大缺陷进行披露。 安永华明会计师事务所 (特殊普通合伙) 中国北京市东城区东长安街 1 号 东方广场安永大楼 17 层 邮政编码: 100738 三、内部控制的固有局限性 Tel 电话: +86 10 5815 30 ...

中国银行股份有限公司 2024 年度独立董事述职报告 二〇二五年三月二十六日 廖长江独立董事 2024 年度述职报告 2024 年，本人作为中国银行股份有限公司（以下简称"本 行"）的独立董事，严格按照境内外法律法规、规范性文件及本 行内部管理制度的相关规定，落实良好公司治理对独立董事的内 在要求，谨慎、认真、勤勉、诚信履职尽职，认真出席董事会及 董事会专业委员会等相关会议，独立自主表达意见和决策，维护 本行和股东包括中小股东的合法权益，促进本行发展战略的推进 实施，为本行发展做出积极贡献。现将 2024 年度本人履职情况 报告如下： 一、独立董事的基本情况 （二）独立性情况说明 本人不在本行担任除董事、董事会专业委员会委员或主席外 的其他职务，与本行及主要股东不存在可能影响进行独立客观判 断的关系，符合《上市公司独立董事管理办法》及本行公司章程 关于独立董事独立性的相关要求。 二、独立董事年度履职概况 （一）出席股东大会、董事会情况 2024 年，本行召开 3 次临时股东大会、1 次年度股东大会， 审议批准了 28 项议案，听取了 4 项汇报；召开董事会现场会议 12 次，书面审议议案 1 次，共审议了 1 ...

中国银行股份有限公司 2024年年度 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 | | OVA：风险管理定性信息 4 | | OV1：风险加权资产概况 7 | | 资本和总损失吸收能力的构成 8 | | 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 8 | | CC1：资本构成 8 | | CC2：集团财务并表和监管并表下的资产负债表差异 12 | | 财务报表与监管风险暴露间的联系 14 | | LIA：财务数据和监管数据间差异的原因 14 | | 薪酬 15 | | REMA：薪酬政策 15 | | 信用风险 16 | | CRA：信用风险定性信息 16 | | CR5-2：信用风险暴露和信用转换系数（按风险权重划分） 17 | | CRE：内部评级模型定性信息 18 | | 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） 21 | | 交易对手信用风险 24 | | CCRA：交易对手信用风险定性信息 24 | ...

中国银行股份有限公司董事会审计委员会 此外，针对国内外经济金融形势的变化，审计委员会密切关注本行经营业绩 提升、效益成本管控所取得的成效，听取有关审计工作数字化能力提升、资产质 量情况报告等议案，切实发挥了协助董事会履行职责的作用。在完善公司治理机 制、强化内部审计独立性、提升授信资产质量、改善内部控制措施等方面，提出 了很多重要的意见和建议。 根据《中国银行股份有限公司董事会审计委员会年报工作规程》，审计委员 会向外部审计师详细了解了 2024 年度审计计划，包括 2024 年年度报告审计的重 点风险领域、内控合规关注重点、信息安全管理、团队投入及与参审所的沟通合 作情况，特别提示外部审计师在审计过程中注意向审计委员会报告其与高级管理 层对同一问题判断的分歧以及分歧解决过程。 针对本行经营情况及主要财务数据，审计委员会听取并审议了高级管理层的 汇报，同时督促高级管理层向外部审计师提交财务报告，以便其有充分时间实施 年报审计。期间审计委员会保持了与外部审计师的充分沟通，并特别安排了独立 董事与外部审计师进行单独沟通。审计委员会表决通过了本行 2024 年度财务报 告，形成决议后提交董事会审批。 按照《中国银行 ...

重要内容提示： 本行董事会拟续聘安永华明会计师事务所（特殊普通合伙）为 本行 2025 年度国内审计师，续聘安永会计师事务所为本行 2025 年度 国际审计师。本次会计师事务所续聘事项尚需提交本行股东大会审批。 一、拟聘任会计师事务所的基本情况 （一）机构信息 安永华明会计师事务所（特殊普通合伙）(简称"安永华明") 证券代码：601988 证券简称：中国银行 公告编号：临 2025-018 中国银行股份有限公司 关于续聘会计师事务所的公告 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。 1.基本信息 安永华明于 1992 年 9 月成立，2012 年 8 月完成本土化转制，从 一家中外合作的有限责任制事务所转制为特殊普通合伙制事务所。安 永华明总部设在北京，注册地址为北京市东城区东长安街 1 号东方广 场安永大楼 17 层 01-12 室。截至 2024 年末拥有合伙人 251 人，首席 合伙人为毛鞍宁先生。安永华明一直以来注重人才培养，截至 2024 年末拥有执业注册会计师逾 1700 人， ...