证券代码：601988 证券简称：中国银行 公告编号：临2024-048 特此公告 中国银行股份有限公司董事会 中国银行股份有限公司（简称"本行"）董事会收到刘坚东先生的辞呈。 刘坚东先生因工作调整，辞去本行风险总监职务。该辞任自 2024 年 9 月 12 日起生效。 刘坚东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。 本行董事会对刘坚东先生任职期间对本行做出的贡献表示感谢。 中国银行股份有限公司 关于风险总监刘坚东先生辞任的公告 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。 二○二四年九月十二日 ...

证券代码：601988 证券简称：中国银行 公告编号：临 2024-049 中国银行股份有限公司董事会决议公告 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。 中国银行股份有限公司（简称"本行"）于 2024 年 9 月 12 日在 北京以现场表决方式召开了 2024 年第九次董事会会议，会议通知于 2024 年9 月 5 日通过书面及电子邮件方式送达至本行所有董事和监事。 本次会议由董事长葛海蛟先生主持，会议应出席董事 13 名，亲自出席 董事 13 名。监事会成员及高级管理层成员列席了会议。会议的召开符 合《中华人民共和国公司法》等有关法律、行政法规、部门规章、规 范性文件和《中国银行股份有限公司章程》（简称"《公司章程》"） 的规定。出席会议的董事审议并以记名方式投票表决通过了如下议案： 聘任赵蓉女士为本行风险总监 赞成：13 反对：0 弃权：0 本议案已经本行董事会人事和薪酬委员会审议通过，并同意提交 董事会审批。 独立非执行董事对本议案发表如下独立意见：我们认为赵蓉女士 的任职资格、聘任程序符合法律法 ...

中国银行股份有限公司 2024年第二次临时股东大会会议资料 股票代码：601988 北京 二〇二四年九月二十四日 中国银行 2024 年第二次临时股东大会会议资料 目 录 一、审议议案 普通决议案 | 1、修订《中国银行股份有限公司监事会议事规则》 | 1 | | --- | --- | | 2、申请追加对外捐赠专项额度 | 8 | | 3、聘用本行 2024 年度外部审计师 | 9 | | 4、废止《中国银行股份有限公司投资审批管理办法》 | 10 | 特别决议案 5、《中国银行股份有限公司股东大会对董事会授权方案（2024 年修订）》...........11 二、汇报事项 2023 年度中国银行主要股东情况评估报告 .......................................................... 17 注：如无特别说明，本会议资料中的"本行"或"中国银行"指中国银行股份有限 公司。 中国银行 2024年第二次临时股东大会会议资料 议案一 修订《中国银行股份有限公司监事会议事规则》 各位股东： 本行监事会根据《银行保险机构公司治理准则》《商业银行监事会工作指引》 等监管 ...

证券代码：601988 证券简称：中国银行 公告编号：临 2024-047 中国银行股份有限公司 关于召开 2024 年第二次临时股东大会的通知 中国银行股份有限公司（简称"中国银行"或"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。 重要内容提示： 一、 召开会议的基本情况 (一)股东大会类型和届次 2024 年第二次临时股东大会 (二)股东大会召集人 本行董事会 (三)投票方式 现场投票和网络投票相结合 (四)现场会议召开的日期、时间和地点 召开的日期时间：2024 年 9 月 24 日 9 点 30 分 召开地点：中国北京市西城区复兴门内大街 1 号中国银行总行大厦 (五)网络投票的系统、起止日期和投票时间 网络投票系统：上海证券交易所股东大会网络投票系统 1 股东大会召开日期：2024年9月24日 本次股东大会采用的网络投票系统：上海证券交易所股东大会网络 投票系统 (七)涉及公开征集股东投票权 无 二、 会议审议事项 本次股东大会审议议案及投票股东类型 | 序号 | 议案名称 | | 投票股东类型 | | | - ...

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 | | | | 本月底結存 | | | 83,622,276,395 | RMB | | 1 RMB | | 83,622,276,395 | 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: 2024年8月31日 狀態: 新提交 致：香港交易及結算所有限公司 | 2. 股份分類 | 普通股 | 股份類別 | A | | 於香港聯交所上市 (註1) | | ...

Investment Rating - The report maintains a rating of "Buy" for the company [26]. Core Views - The company shows a narrowing decline in revenue and profit, with revenue down by 2.5% and net profit down by 1.2% year-on-year [34][10]. - Net interest income increased by 1.2% quarter-on-quarter, while the annualized net interest margin decreased by 2 basis points to 1.40% [37][13]. - The asset and liability growth rate indicates a slight slowdown in credit issuance, while active liabilities are growing significantly [39]. Summary by Sections Revenue and Profit - Revenue decreased by 2.5% year-on-year, and net profit decreased by 1.2% year-on-year, indicating a marginal improvement in performance decline [34][10]. - The net interest income showed a quarter-on-quarter increase of 1.2%, while net non-interest income decreased by 0.4% year-on-year [34][21]. Asset and Liability Structure - Credit issuance has slightly slowed down, with loans increasing by 9.8% year-on-year in the first half of the year [14]. - The company experienced a significant increase in active liabilities, with bond issuance up by 58.7% year-on-year [16]. Asset Quality - The non-performing loan ratio remains stable, and the provision coverage ratio has increased, indicating a solid asset quality [23][25]. Capital Adequacy - The core Tier 1 capital adequacy ratio increased to 12.03%, reflecting a healthy capital position [25].

Investment Rating - The report maintains an "Accumulate" rating for the company [1]. Core Views - The company demonstrated strong resilience in interest margins and stable asset quality in its 2024 semi-annual report, with a slight decline in revenue and net profit year-on-year [3][29]. - The bank's non-interest income grew by 6% year-on-year, driven primarily by net other non-interest income, which increased by 22.2% [6][29]. - The bank's overseas business contributed positively, with a year-on-year profit increase of 11% in the overseas commercial banking segment [8]. Summary by Relevant Sections Financial Performance - For the first half of 2024, the company reported operating income of 317.1 billion yuan, a year-on-year decrease of 0.7%, and a net profit attributable to shareholders of 118.6 billion yuan, down 1.2% year-on-year [3]. - The weighted average return on equity (ROE) was 9.58%, reflecting a decrease of 1.02 percentage points year-on-year [3]. Loan Structure - The bank's loan structure showed a strong performance in corporate loans, retail loans, and a reduction in bill discounting, with corporate loans increasing by 1.15 trillion yuan and retail loans by 150.6 billion yuan [5]. - Key areas such as manufacturing, small and micro enterprises, and private enterprises saw loan growth rates of 13.8%, 18.9%, and 9.4% respectively, all exceeding the overall loan growth rate of 5.9% [5]. Non-Interest Income - Non-interest income reached 90.3 billion yuan, with a year-on-year increase of 6%, and accounted for 28.5% of total revenue [6]. - The net commission and fee income was 42.9 billion yuan, down 7.6% year-on-year, while net other non-interest income surged to 47.4 billion yuan, up 22.2% [6]. Asset Quality - The non-performing loan (NPL) ratio stood at 1.24%, unchanged from the previous quarter and down 3 basis points from the beginning of the year [28]. - The bank maintained a strong provisioning stance, with a credit impairment loss of 60.6 billion yuan, remaining stable year-on-year [28]. Capital Adequacy - The bank's capital adequacy ratios showed a steady increase, with the core tier one capital ratio at 12.03% and the total capital adequacy ratio at 18.91% as of the end of Q2 2024 [11]. - The bank issued 120 billion yuan in subordinated debt and redeemed 40 billion yuan in perpetual bonds during the first half of the year [11]. Profitability Forecast - The report forecasts earnings per share (EPS) of 0.80, 0.83, and 0.86 yuan for 2024, 2025, and 2026 respectively, with the current stock price corresponding to a price-to-book (PB) ratio of 0.6, 0.56, and 0.52 [29].

中国银行股份有限公司 2024年半年度 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 | | | OV1：风险加权资产概况 | 4 | | | 资本和总损失吸收能力的构成 | 5 | | | 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 | 5 | | | CC1：资本构成 | 5 | | | CC2：集团财务并表和监管并表下的资产负债表差异 | 9 | | | 信用风险 | 11 | | | CR5-2：信用风险暴露和信用转换系数（按风险权重划分） | 11 | | | 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） | | 12 | | 交易对手信用风险 | | 15 | | CCR1 交易对手信用风险暴露（按计量方法） 15 | | | | 资产证券化 | | 16 | | SEC1：银行账簿资产证券化 16 | | | | SEC2：交易账簿资产证券化 ...

中国银行股份有限公司监事会决议公告 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 2024 年第三次 会议通知于 2024 年 8 月 21 日通过书面及电子邮件方式送达至本行所 有监事，会议于 2024 年 8 月 29 日在北京现场召开。会议应出席监事 5 名，实际亲自出席监事 5 名。会议召开情况符合《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 年半年度报告》 证券代码：601988 证券简称：中国银行 公告编号：临 2024-044 中国银行股份有限公司监事会 二○二四年八月二十九日 本监事会认为本行 2024 年半年度报告的编制和审核程序符合法 律、行政法规和监管规定，报告内容真实、准确、完整地反映了本行 的实际情况。 2 表决情况：五票同意，零票反对，零票弃权。 2. 《中国银行股份有限 ...

Financial Performance - In the first half of 2024, the company achieved a net profit of RMB 126.54 billion, a decrease of 0.90% year-on-year[6]. - The company's net interest income for the first half of 2024 was RMB 226.76 billion, down 3.09% from the previous year[7]. - The company reported a total operating income of RMB 317.08 billion, a slight decrease of 0.67% year-on-year[7]. - Non-interest income for the first half of 2024 was 90.316 billion RMB, a year-on-year increase of 5.99%[23]. - The group reported a decrease in net fee and commission income to 42.860 billion RMB, down 7.58% year-on-year[24]. - The total revenue for the first half of 2024 was RMB 317,076 million, a slight decrease from RMB 319,207 million in the same period of 2023, representing a year-on-year decline of approximately 0.67%[51]. - The net profit for the first half of 2024 was RMB 126.54 million, with the profit attributable to shareholders of the parent company being RMB 118.60 million[41]. - The bank's total profit for the first half of the year reached $5.037 billion, representing a year-on-year growth of 11.04%[106]. Asset and Liability Management - Total assets of the banking sector reached RMB 433.10 trillion, with total liabilities at RMB 397.66 trillion as of June 2024[4]. - Total assets reached 33,907.27 billion RMB by the end of June 2024, a growth of 4.55% from the end of last year[32]. - Total liabilities increased to 31,128.29 billion RMB, marking a 4.90% rise compared to the end of last year[32]. - Customer deposits totaled 23,630.71 billion RMB, representing 75.91% of total liabilities[33]. - The group’s equity totaled RMB 27,789.76 million as of June 30, 2024, an increase of RMB 2,216.10 million or 0.80% from the end of 2023[41]. Loan and Credit Quality - The non-performing loan balance stood at RMB 3.34 trillion, with a non-performing loan ratio of 1.56%[4]. - The average return on assets (ROA) was 0.76%, and the return on equity (ROE) was 9.58%[6]. - The group maintained a stable loan quality with a loan impairment loss of 726.84 billion RMB, an increase of 17.24% year-on-year[31]. - The non-performing loan ratio for rural banks stands at 2.17%, with a provision coverage ratio of 166.72%[111]. - The total loan amount for personal loans was CNY 5,972,677 million, with a non-performing loan rate of 0.88%[175]. Customer Loans and Deposits - Customer loan interest income increased to RMB 379.02 billion, reflecting a growth of 3.02% year-on-year due to an increase in loan scale[9]. - The total customer loans reached 211,428.30 billion RMB by the end of June 2024, an increase of 11,810.51 billion RMB or 5.92% compared to the end of last year[35]. - As of June 30, 2024, total customer loans amounted to RMB 21,142.83 million, an increase from RMB 19,961.78 million at the end of 2023, representing a growth of 5.93%[36]. - The total customer deposits increased to RMB 23,630.71 million as of June 30, 2024, reflecting a growth of RMB 723.66 million or 3.16% from the end of 2023[41]. Green Finance Initiatives - The balance of green loans reached RMB 36,659.03 billion by the end of June 2024, reflecting a year-on-year growth of 39.77%[61]. - The company ranked first among Chinese banks in underwriting domestic green bond issuance, totaling RMB 983.70 billion in the first half of 2024[62]. - The company aims to become the preferred bank for green finance services, optimizing its governance structure and support measures for green finance business[61]. - The company actively participated in significant green projects, including the largest waste-to-energy facility in the Arab region, enhancing its position in the green finance sector[61]. Digital Transformation and Technology - The bank's digital transformation efforts included the launch of new online financing products and enhancements to customer service platforms[85]. - The bank's mobile banking services expanded to cover 30 countries and regions, providing services in 12 languages[121]. - The electronic transaction amount through online channels reached CNY 172.55 trillion in the first half of the year, reflecting rapid growth in digital services[154]. - The bank has implemented 39 technology strategic projects, achieving significant progress, and the total number of cloud platform servers has reached 29,000[158]. Risk Management - The bank has established a comprehensive risk management framework, focusing on proactive and forward-looking risk management strategies[161]. - The bank is committed to improving its internal control mechanisms, with a focus on compliance and risk prevention, and is actively conducting special governance activities in high-risk areas[198]. - The bank's liquidity coverage ratio and net stable funding ratio meet regulatory requirements as of June 30, 2024[188]. - The bank emphasizes the importance of stress testing to ensure sufficient payment capacity under crisis scenarios[186]. Market Position and Competitive Advantage - The bank maintained its leading position in cross-border RMB settlement, with stable growth in transaction volumes[83]. - The bank's offshore bond underwriting market share remains the highest, having assisted the Ministry of Finance in issuing 23 billion yuan of offshore RMB government bonds in Hong Kong[102]. - The bank has maintained the leading market share in the foreign exchange settlement and sales market, with 40 currencies available for trading[101]. - The bank's wealth management business expanded its cooperation with 17 asset management companies, maintaining a leading position in the industry[90].