证券代码：601988 证券简称：中国银行 公告编号：临 2025-015 中国银行股份有限公司监事会决议公告 2、《中国银行股份有限公司 2024 年度利润分配方案》 表决情况：四票同意，零票反对，零票弃权。 3、《监事会对本行 2024 年战略执行情况的评价意见》 表决情况：四票同意，零票反对，零票弃权。 4、《监事会对本行资本管理和资本计量高级方法管理履职情况的 监督评价意见》 中国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法 律责任。 中国银行股份有限公司（简称"本行"）监事会 2025 年第一次现 场会议通知于 2025 年 3 月 18 日通过书面及电子邮件方式送达至本行 所有监事，会议于 2025 年 3 月 26 日在北京现场召开。会议应出席监 事 4 名，实际亲自出席监事 4 名。会议的召开符合《中华人民共和国 公司法》及《中国银行股份有限公司章程》的相关规定。经半数以上 监事共同推举，本次会议由贾祥森监事主持，出席会议的监事审议并 以记名方式投票表决通过了如下议案： 1、《中国银行股份有限公司 2024 ...

Financial Reports and Approvals - The Board of Directors approved the 2024 Annual Report, which includes the financial statements, with a unanimous vote of 14 in favor[4] - The 2024 profit distribution plan was also approved unanimously, ensuring compliance with legal regulations and the company's articles of association[6] - The internal control evaluation report for 2024 was passed, reflecting the actual state of internal controls within the bank[7] - The 2024 third pillar information disclosure report was approved, ensuring transparency in financial reporting[5] - The 2024 related party transaction management report was also approved, confirming adherence to legal and regulatory requirements[9] Social Responsibility and Governance - The 2024 annual social responsibility report was approved, focusing on environmental, social, and governance aspects[10] Auditing and External Oversight - The Board approved the reappointment of Ernst & Young as external auditors for the year 2025, confirming their capability to provide auditing services[11] Market Value and Management - The bank's market value management measures for 2025 were approved, aimed at enhancing valuation and efficiency[12] Executive Appointments - The nomination of Liu Jin as an executive director was approved, with his qualifications and nomination process deemed compliant with regulations[13] Shareholder Meetings - The first extraordinary general meeting of shareholders for 2025 will address the financial resolution for 2024 and other key proposals[15]

Brand and Recognition - Bank of China ranked 4th in the Global Banking 1000 list by The Banker[6] - The bank's brand value is ranked 4th in the Global Banking Brand Value 500 by Brand Finance[6] - The bank has been recognized as the best bank in China and the best ESG bank by Euromoney[6] - The bank has received the AAA Financial Technology Award for Best Cloud Application Project[6] Global Operations and Strategy - Bank of China is the only official banking partner for both the 2008 Beijing Summer Olympics and the 2022 Beijing Winter Olympics[3] - The bank operates in 64 countries and regions, providing a comprehensive financial service system[4] - The bank aims to enhance its global layout capabilities and focus on technology finance, green finance, inclusive finance, pension finance, and digital finance[5] - The bank has been selected as a global systemically important bank for 14 consecutive years[3] Financial Performance - The company reported a total operating income of RMB 632,771 million for 2024, showing a growth compared to previous years[16] - Basic earnings per share for 2024 were RMB 1.216, with a total cash dividend of RMB 2.424 per 10 shares for the year[12] - The net interest margin for 2024 was 0.74%, indicating a slight increase from the previous year[16] - The non-performing loan ratio stood at 1.59% for 2024, reflecting a stable credit quality[16] - The company achieved a return on average total assets of 1.46% in 2024, maintaining a strong performance[16] - The cost-to-income ratio was reported at 28.77% for 2024, demonstrating effective cost management[16] - The coverage ratio for non-performing loan provisions was 177.84% in 2024, indicating a robust risk management strategy[16] Risk Management and Integrity - The bank's financial report indicates a commitment to high-quality development and risk prevention[5] - There were no significant non-operational fund occupations by controlling shareholders during the reporting period, ensuring financial integrity[13] - The company is actively managing various risks, including credit risk and market price fluctuations, to safeguard its operations[14] Income and Expenses - Net interest income for 2022 was RMB 448,934 million, a decrease of 3.3% from RMB 466,545 million in 2021[18] - Non-interest income increased to RMB 183,837 million in 2022, up 16.6% from RMB 157,593 million in 2021[18] - Total operating income reached RMB 632,771 million, a slight increase of 1.0% compared to RMB 624,138 million in 2021[18] - Operating expenses rose to RMB 235,770 million, an increase of 5.8% from RMB 222,933 million in 2021[18] Asset and Loan Growth - Total assets at the end of 2022 were RMB 35,061,299 million, up 8.0% from RMB 32,432,166 million in 2021[18] - Customer loans and advances totaled RMB 21,594,068 million, an increase of 8.2% from RMB 19,961,779 million in 2021[18] - The non-performing loan ratio remained stable at 1.25% in 2022, unchanged from 2021[18] - Basic earnings per share for 2022 were RMB 0.75, up from RMB 0.74 in 2021[18] - The core tier 1 capital adequacy ratio improved to 12.20% in 2022, compared to 11.63% in 2021[18] Market Presence and Technology Investment - The company plans to continue expanding its market presence and investing in new technologies to enhance service offerings[14] - 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[38] - The total assets of the Chinese banking industry reached RMB 444.6 trillion by the end of 2024, growing by 6.5% compared to the previous year[37] - The group reported a net interest income of RMB 448.93 billion in 2024, a decrease of RMB 17.61 billion, or 3.77% year-on-year[39] Digital Transformation and Innovation - The group plans to focus on high-quality development and accelerate digital transformation by 2025[34] - The group completed a 96% transformation rate for low-efficiency branches[34] - The group added over 900 new application scenarios for artificial intelligence and other new technologies[34] - The bank's digital financial services are continuously enhanced, with a focus on data governance and integration to support precise marketing and risk control[106] Green Finance Initiatives - The domestic green credit balance reached RMB 4,070.752 billion, an increase of 31.03% compared to the end of the previous year[99] - The bank issued USD 700 million in offshore green financial bonds and RMB 10 billion in domestic non-capital green bonds, leading the domestic market in green bond underwriting with a total of RMB 261.837 billion[99] - The bank's green financial product management scale reached RMB 76.524 billion, while the management scale of green and ESG public funds was approximately RMB 3.515 billion[102] - The bank's green bond underwriting amounted to RMB 45.874 billion, showcasing its leadership in the green bond market[102] Inclusive Finance and Social Responsibility - The balance of inclusive small and micro enterprise loans reached CNY 2,279.66 billion by the end of 2024, an increase of 29.63% year-on-year, exceeding the average growth rate of all loans in the bank[105] - The average interest rate for newly issued inclusive small and micro enterprise loans was 3.24%, actively benefiting the real economy[105] - Agricultural loan balance reached CNY 2.50 trillion, increasing by CNY 501.13 billion compared to the end of the previous year[105] - The bank provided special loans exceeding CNY 370 billion to stabilize and expand employment for over 67,100 enterprises[105] Customer Engagement and Service Enhancement - The bank's mobile banking registered customers reached 293 million, a year-on-year increase of 6.90%[31] - The number of active personal mobile banking users increased to 97.9315 million, reflecting an 11.59% year-on-year growth[108] - The bank's online personal mobile banking services have been upgraded, significantly improving customer experience[148] - The bank's "Wealth Night Market" service extends transaction hours to midnight, enhancing customer service efficiency[125] International Expansion and Cross-Border Services - The bank has established cross-border RMB interbank accounts for 1,540 institutions across 114 countries and regions, maintaining a leading position in the domestic industry[114] - The bank processed cross-border RMB clearing of 13.1383 trillion yuan in 2024, representing a year-on-year growth of 40.05%[152] - The bank actively supported high-level opening up and quality development of the "Belt and Road" initiative, enhancing international market influence[142] - The overseas personal financial services cover over 30 countries and regions, serving more than 7.5 million customers as of the end of 2024[147] Financial Services and Product Development - The bank's corporate finance business is steadily growing, with a focus on comprehensive financial service solutions for blue-chip and quality SMEs in Hong Kong[168] - The bank has signed strategic cooperation agreements with sovereign institutions and international multilateral financial institutions, enhancing its global partnerships[114] - The bank's credit card issuance reached 147.94 million cards by the end of 2024, with a credit card loan balance of CNY 593.4 billion, reflecting a year-on-year growth of 2.66% and 7.62% respectively[131] - The bank's self-service currency exchange machines increased by 71.70% compared to the previous year, maintaining market leadership[129] Asset Management and Investment Performance - The asset management scale of BOC Wealth Management reached 18.8 trillion yuan by the end of 2024[182] - The group’s custodial asset scale surpassed CNY 20 trillion by the end of 2024, with the growth rate ranking first among major peers[138] - BOC Fund launched 10 new funds during the year, including ESG-themed and index funds, enhancing its product portfolio[181] - Bank of China Group Investment issued CNY 4.5 billion in Panda bonds during the year, enhancing its diversified funding channels[190]

Financial Performance - Bank of China reported audited financial results for the year ending December 31, 2024[4]. - The bank reported a total operating income of RMB 632,771 million for 2024, showing a growth compared to previous years[18]. - Basic earnings per share for 2024 were RMB 1.216, reflecting a consistent dividend policy with a total cash dividend of RMB 2.424 per 10 shares for the year[14]. - The net interest margin for 2024 was recorded at 1.75%, indicating a slight decrease from previous years[18]. - The non-performing loan ratio stood at 1.40% for 2024, demonstrating effective risk management strategies[18]. - The bank achieved a return on average total assets of 1.32% in 2024, maintaining a stable performance[18]. - The cost-to-income ratio was reported at 28.77% for 2024, reflecting operational efficiency[18]. - The bank's provision coverage ratio for non-performing loans was 177.84%, indicating strong risk mitigation measures[18]. - The group achieved a net profit of RMB 252.72 billion in 2024, an increase of RMB 6.35 billion, representing a growth of 2.58% year-on-year[40]. - The group's net interest income for 2024 was RMB 448.93 billion, a decrease of RMB 17.61 billion, or 3.77% year-on-year[41]. - The group's non-interest income increased by 16.65% year-on-year, reaching RMB 183.84 billion in 2024[41]. - The group's operating income for 2024 was RMB 632.77 billion, reflecting a slight increase of 1.38% from the previous year[41]. - The group's net profit before tax for 2024 was RMB 294.95 billion, slightly down from RMB 295.61 billion in 2023, indicating a decrease of 0.22%[88]. Awards and Recognition - The bank has received multiple awards, including the Best Bank in China and the Best ESG Bank by Euromoney[8]. - Bank of China has been recognized as a global systemically important bank for 14 consecutive years, reflecting its international competitiveness[5]. - The bank's commitment to social responsibility is highlighted through various awards and recognitions for its contributions to society[8]. - The bank has been recognized with multiple awards for its contributions to the bond market and risk management capabilities in 2024[138]. Strategic Focus and Initiatives - The bank aims to enhance its global layout capabilities and focus on technology finance, green finance, inclusive finance, pension finance, and digital finance[5]. - The bank plans to continue expanding its market presence and enhancing its product offerings in the coming years[16]. - The bank's management discussion and analysis section provides insights into its financial performance and strategic direction for future growth[9]. - The bank plans to enhance its digital transformation and improve the efficiency of its financial services[36]. - The bank aims to provide personal pension account management services to over 10 million customers by the end of 2024, with a focus on comprehensive pension solutions[126]. Risk Management - The bank emphasizes risk control and aims to support the real economy while adhering to the new development philosophy[7]. - The bank has faced risks from macroeconomic conditions and is actively managing various operational risks[16]. - The bank's risk management framework was enhanced, with a focus on early identification and response to risks, maintaining stable asset quality[35]. Customer and Market Engagement - The bank's mobile banking registered customers reached 293 million, a year-on-year increase of 6.90%[33]. - The bank's personal financial business achieved operating income of ¥232.10 billion in 2024, with the total number of personal customers reaching nearly 540 million, a growth of 2.75% year-on-year[125]. - The bank's digital financial services are continuously enhanced, with a focus on data governance and integration to support precise marketing and risk control[108]. - The bank's cross-border e-commerce settlement scale grew by approximately 40% year-on-year, reflecting its strong market position[118]. Green Finance and Social Responsibility - The bank's domestic green credit balance reached RMB 4,070.75 billion, an increase of 31.03% compared to the end of the previous year[101]. - The bank issued USD 700 million in offshore green financial bonds and RMB 10 billion in domestic non-capital green bonds, leading the domestic market in green bond underwriting with a total of RMB 261.84 billion[101]. - The bank participated in poverty alleviation and education assistance, issuing over 370 billion yuan in special loans across 177,000 cases in 2024[34]. - The bank's green bond investment scale exceeded RMB 100 billion, ranking first among investors in green debt financing tools in China[101]. International Operations - The bank has established 543 overseas branches covering 64 countries and regions, including 45 "Belt and Road" co-construction countries[142]. - The overseas personal financial services cover over 30 countries and regions, serving more than 7.5 million customers as of the end of 2024[149]. - The bank's loans to over 40,000 "specialized, refined, and innovative" SMEs exceeded ¥600 billion, supporting technological innovation and new production capacity[121]. - The bank's international settlement volume of domestic institutions exceeded USD 4 trillion, with a growth rate exceeding 20%[28]. Digital Transformation - The bank's digital transformation initiatives, including the "BOC Digital Letter" and "BOC Cross-Border Remittance Express," have significantly improved customer experience and processing times[119]. - The bank launched a digital version of the EMV card to meet the online cross-border transaction needs of students studying abroad[150]. - The upgraded overseas personal mobile banking service has significantly improved customer experience with a comprehensive redesign[150]. - The bank's "Hui Ru Yuan" APP won the "Innovation Achievement Award" at the 6th China Digital Inclusive Finance Conference, showcasing its commitment to enhancing service quality[121].

3月正是水产养殖的繁忙季节，在宁波市象山县黄避岙乡的某水产养殖专业合作社内，养殖户王师傅和 村民们正在投放幼苗。随着海塘规模的逐年扩大，购买苗种、饲料的资金需求量加大，亟需筹集资金。 中行象山支行深入海边滩涂调研，为养殖户量身定制了"海洋养殖贷"服务方案，并为王师傅提供了120 万元信贷支持。"海洋养殖贷"将帮助地方"小海鲜"游出致富"大产业"。 阳春三月，走进宁波奉化某园林花木场，数十种苗木焕发勃勃生机。负责人吕先生和他的团队正在自媒 体直播间内介绍花木之美，订单从全国纷至沓来。随着订单的大量增加，资金需求随着日渐扩大的花木 场规模逐渐增加。但花木生长周期长、投入大，通常缺乏有效的抵押物，融资是个难题。中行奉化支行 通过"种链贷"服务方案，为吕先生提供了400万元的信贷支持，助力花木场从"全国十佳苗圃"到"网红园 艺品牌"，见证着传统农业与现代金融的深度融合。 从乡间的鱼塘到花田，是中国银行宁波市分行践行国家乡村振兴战略的一个缩影。截至2025年2月末， 该行涉农贷款已超470亿元，服务着近2.5万户涉农企业及农户。中国银行宁波市分行将持续坚持"金融 为民"理念，贯彻落实支持小微企业融资协调工作机制要求，走 ...

中国银行吉林省分行开展2025年"3·15"金融消费者 权益保护教育宣传活动 转自：新华财经 中国银行吉林省分行充分发挥216家网点阵地优势，通过"五进入"精准宣传，形成"厅堂+走出去"双轮驱 动的立体化宣传格局，在2025年"3·15"金融消费者权益保护教育宣传活动中取得显著成效。 深耕厅堂主阵地，筑牢基础防线 全辖网点构建多维宣传矩阵，LED屏、智慧屏日均滚动播放宣传标语超10万次，设置金融知识专区216 处，配置宣传资料3万余份。综服人员开展"1对1"精准讲解，重点普及个人信息保护、安全用卡等实用 知识，累计解答客户咨询1万余件。各分支行主动邀约客户，开展个性化宣传。3月7日，省行个人数字 金融部联合省行营业部邀约客户召开投资策略报告会，宣讲理性投资理念、适当销售原则、基础金融知 识，累计触达金融消费者、金融从业者数百人。 创新"五进入"模式，拓展服务半径 助农惠农进乡村。蛟河支行、通化县支行、双阳支行等机构深入多个乡村，开展"金融知识进农村、送 知识守初心"活动，为村民讲解消费者八项权利，惠及村民数百人。通化县支行在养老院开展"银发守护 行"，现场讲解"保健品投资"骗局案例，受到老年人的点赞。 稳企纾 ...

Core Insights - The "Yinong Kuai Dai" program by the Bank of China Shandong Branch is providing significant financial support for rural revitalization, particularly during the spring farming season [1][3]. Financial Support for Farmers - The "Yinong Kuai Dai" program offers credit without collateral, with low interest rates, enabling farmers like Wang Meng to secure necessary funds for agricultural activities [2][3]. - In Linyi City, Shandong Province, the program has provided 10.36 million yuan in financial support to 28 farmers and agricultural entities this year [3]. Agricultural Modernization - The program is facilitating the upgrade of agricultural machinery, empowering new farmers by providing timely financial assistance for equipment purchases [4]. - Chen Yongxiang, a farmer and machinery service provider, successfully obtained a loan through the "Yinong Kuai Dai" program, allowing her to expand her machinery fleet and enhance service capabilities [4]. Overall Financial Growth - The Bank of China Shandong Branch has been actively innovating financial service models, with agricultural loan balances reaching nearly 160 billion yuan, and an increase of over 8 billion yuan in the current year [5].

证券代码：601988 证券简称：中国银行 公告编号：临 2025-013 中国银行股份有限公司 关于召开2024年年度业绩发布会的公告 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。 重要内容提示： 一、业绩发布会类型 业绩发布会通过网络直播方式召开，本行将针对 2024 年年度业 绩和经营等情况与投资者进行交流，并对投资者普遍关注的问题进行 回答。 二、业绩发布会召开的时间、网址 （一）会议召开时间：2025 年 3 月 26 日 19:00 -20:15 （二）会议召开方式：网络直播 三、参加人员 张辉行长、独立董事代表、部分高级管理层成员。 四、投资者参加方式 （一）投资者可于 2025 年 3 月 26 日 19:00 通过上述网络直播方 式收看业绩发布会。 （二）投资者可于 2025 年 3 月 24 日 17:00 前将相关问题通过电 子邮件的形式发送至本行邮箱 ir@bankofchina.com，或可以通过直播 平台提问。本行将于业绩发布会上对投资者普遍关注的问题进行回 答。 五、联系人及咨询 ...

（「本行」） （股份代號：3988） 公 告 董事會召開日期 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，北京 2025年3月14日 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） 本行董事會（「董事會」）謹此宣佈，董事會將於2025年3月26日（星期三）通過（其 中包括）本行及其附屬公司截至2024年12月31日止年度的經審計綜合財務報表， 及建議派發末期股息。 中國銀行股份有限公司 董事會 * 非執行董事 # 獨立非執行董事 於本公告日期，本行董事為葛海蛟、張輝、張勇*、張建剛*、黃秉華*、劉輝*、師永彥*、 樓小惠*、李子民*、廖長江 # 、崔世平 # 、讓•路易•埃克拉 # 、喬瓦尼•特里亞 # 、劉曉蕾 # 。 ...

副董事長、行長 張輝 非執行董事 張勇 張建剛 董事名單與其角色和職能 中國銀行股份有限公司董事會（「董事會」）成員載列如下： 董事長 葛海蛟 董事會設立6個委員會。下表提供各董事會成員在這些委員會中所擔任的職位： | | 委員會 | | 企業文化與 | | | | | | --- | --- | --- | --- | --- | --- | --- | --- | | | | 戰略發展 | 消費者權益 | | 風險政策 | 人事和薪酬 | 關聯交易 | | 董事 | | 委員會 | 保護委員會 | 審計委員會 | 委員會 | 委員會 | 控制委員會 | | 葛海蛟 | | C | | | | | | | 張輝 | | M | | | | | | | 張勇 | | M | | M | C | | | | 張建剛 | | M | | M | | | | | 黃秉華 | | | C | | M | M | | | 劉輝 | | M | | | M | | M | | 師永彥 | | M | M | | | M | | | 樓小惠 | | M | | | | | M | | 李子民 | | M | | | | | ...