证券代码：601988 证券简称：中国银行 公告编号：临 2024-046 中国银行股份有限公司 关于重置境内优先股"中行优 4"票面股息率的公告 1 据此，自2024年8月29日起，"中行优4"第二个股息率调整周期 的基准利率为1.86%，固定息差为1.41%，票面股息率为3.27%，股息 每年支付一次。 特此公告 中国银行股份有限公司董事会 二〇二四年八月二十九日 2 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。 根据《中国银行股份有限公司非公开发行优先股募集说明书（第 二期）》（简称"《募集说明书》"）的相关条款，中国银行股份有 限公司（简称"本行"）于2019年8月非公开发行的境内优先股（简 称"中行优4"，代码"360035"）采取分阶段调整的票面股息率， 票面股息率为基准利率加固定息差，设置股息率调整周期，首5年采 用相同股息率，随后基准利率每5年重置一次，每个调整周期内的票 面股息率保持不变，固定息差为发行时票面股息率与基准利率之间的 差值，且在存续期内保持不变。"中行优4"首个股息率调整周期已 ...

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及4619（優先股）） 2024 年中期業績公告 本行董事會欣然宣布本行及其附屬公司截至2024年6月30日止之未經審計業 績。本公告列載本行2024年中期報告全文，並符合香港上市規則中有關中期 業績初步公告附載的資料之要求。本行2024年中期報告的印刷版本將於2024 年9月寄發予本行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。 目錄 | 釋義 | 2 | | --- | --- | | 重要提示 | 5 | | 公司基本情況 | 6 | | 財務摘要 | 8 | | 經營情況概覽 | 10 | | 管理層討論與分析 | 12 | | 財務回顧 | 12 | | 業務回顧 | 25 ...

中國銀行股份有限公司 股份代號： 3988（H股普通股） 4619（境外優先股） 2024年中期報告 2024年9月本行2024年中期報告的印刷版本將取代此版本。 目錄 | 釋義 | 2 | | --- | --- | | 重要提示 | 5 | | 公司基本情況 | 6 | | 財務摘要 | 8 | | 經營情況概覽 | 10 | | 管理層討論與分析 | 12 | | 財務回顧 | 12 | | 業務回顧 | 25 | | 風險管理 | 53 | | 資本管理 | 63 | | 展望 | 65 | | 環境與社會責任 | 66 | | 股份變動和股東情況 | 72 | | 董事、監事、高級管理人員及員工情況 | 79 | | 公司治理 | 83 | | 重要事項 | 90 | | 中期財務資料的審閱報告 | 94 | | 中期財務資料 | 95 | 1 釋義 在本報告中，除非文義另有所指，下列詞語具有如下涵義： 《公司法》 《中華人民共和國公司法》 2 A股 本行普通股股本中每股面值人民幣1.00元的內資 股，有關股份於上交所上市（股票代碼：601988） 本行╱本集團╱集團 中國銀行股份有限公司或其前身及 ...

Dividends and Profit Distribution - The company declared a cash dividend of RMB 2.364 per 10 shares for the fiscal year 2023, totaling approximately RMB 69.593 billion before tax[6]. - The board proposed an interim dividend of RMB 1.208 per 10 shares for the fiscal year 2024, subject to shareholder approval[6]. - The company approved a profit distribution plan for 2023, allocating approximately RMB 20.824 billion to statutory surplus reserves and RMB 40.468 billion to general reserves, with a cash dividend of RMB 2.364 per 10 shares for ordinary shareholders, totaling about RMB 69.593 billion before tax[185]. - The board proposed a mid-term cash dividend of RMB 1.208 per 10 shares for 2024, pending shareholder approval, with expected payment dates for A-shares on January 23, 2025, and H-shares on February 19, 2025[185]. - The company approved a total dividend of approximately USD 10.15 million for the second phase of overseas preferred shares, with a dividend rate of 3.60% after tax, to be paid on March 4, 2024[185]. - The third phase of domestic preferred shares will have a total dividend of RMB 3.285 billion before tax, with a dividend rate of 4.50%, to be paid on June 27, 2024, and the fourth phase will have a total dividend of RMB 1.1745 billion before tax, with a dividend rate of 4.35%, to be paid on August 29, 2024[185]. Financial Performance - Net interest income for the first half of 2024 was RMB 226,760 million, a decrease of 3.5% compared to RMB 233,992 million in the same period of 2023[9]. - Total operating income for the first half of 2024 was RMB 317,929 million, slightly down from RMB 319,707 million in the first half of 2023[9]. - The bank's net profit attributable to shareholders for the first half of 2024 was RMB 118,601 million, compared to RMB 120,095 million in the same period of 2023, reflecting a decrease of 1.2%[9]. - The group achieved operating income of CNY 317.929 billion and net profit after tax of CNY 126.536 billion in the first half of the year[13]. - In the first half of 2024, the group achieved a net profit of RMB 126.54 billion, a decrease of 0.90% year-on-year[20]. - The group's total revenue for the first half of 2024 was RMB 317,929 million, slightly down from RMB 319,707 million in the same period of 2023[46]. Asset and Loan Management - The total assets of the bank reached RMB 33,907,267 million as of June 30, 2024, an increase of 4.5% from RMB 32,432,166 million at the end of 2023[9]. - Customer loans totaled RMB 21,142,830 million, up 5.9% from RMB 19,961,779 million at the end of 2023[9]. - The non-performing loan ratio remained stable at 1.24% as of June 30, 2024, unchanged from the end of 2023[9]. - The bank's core tier 1 capital adequacy ratio improved to 12.03% as of June 30, 2024, compared to 11.63% at the end of 2023[9]. - The total amount of loans in mainland China (RMB) was RMB 11,717.93 billion, representing 55.42% of total loans, up from 53.38% at the end of 2023[36]. - The total loan amount reached RMB 21,088,978 million, with a non-performing loan amount of RMB 261,267 million, resulting in a non-performing loan ratio of 1.24%[119]. Risk Management - The company is actively managing various risks, including credit risk from borrowers and market price fluctuations, while ensuring compliance with regulatory requirements[6]. - The company faced risks from macroeconomic conditions and political-economic changes in different countries and regions[6]. - The non-performing loan coverage ratio stood at 201.69%, demonstrating strong risk management capabilities[17]. - The company is focusing on optimizing credit structure and enhancing credit risk management policies to improve asset quality and risk management effectiveness[114]. - The company has established a comprehensive credit risk management system to enhance the identification, warning, exposure, and resolution of potential risks[114]. - The bank has established a comprehensive liquidity risk management system to ensure timely liquidity needs are met at reasonable costs[126]. Digital Transformation and Innovation - The number of active users of the personal mobile banking app grew by 9.98% year-on-year, showcasing the success of digital financial services[14]. - The bank's digital transformation in transaction banking has led to the launch of a new generation of bill pool systems, enhancing service capabilities[65]. - The bank has implemented 39 technology strategic projects, achieving significant progress in technology infrastructure and enhancing cybersecurity measures, with no major incidents reported in the first half of the year[111]. - The bank's online banking services have been upgraded with new features, including T+1/T+2 foreign exchange settlement and various financial management tools[108]. - The bank is enhancing its digital financial services by leveraging big data and AI technologies to improve operational efficiency and customer experience[57]. Corporate Governance - The company continues to enhance corporate governance mechanisms, aligning with capital market regulations and industry standards[176]. - The company emphasizes the protection of shareholders' rights to information, participation, and decision-making[177]. - The company has implemented a comprehensive review of its governance system, including articles of association and authorization systems[176]. - The company’s external supervisors actively participated in all supervisory board meetings and contributed to improving corporate governance and management levels[181]. - The bank's board includes a chairman and several non-executive and independent directors, ensuring diverse governance[168]. Sustainable Finance and Green Initiatives - The balance of green credit increased by 39.77% year-on-year, reflecting the company's commitment to sustainable finance[14]. - The company ranked first among Chinese banks in underwriting domestic green bond issuance, with a total of 98.37 billion yuan in the first half of the year[52]. - The bank has developed a green finance policy system to support national carbon neutrality goals, with specific measures for various sectors[143]. - The domestic green credit balance showed a year-on-year growth of 39.77%[146]. - The bank has not provided financing for new coal mining and coal power projects outside of China since Q4 2021, with no new financing for such projects as of June 2024[146]. Shareholder Information - As of June 30, 2024, the total number of ordinary shares is 294,387,791,241, consisting of 210,765,514,846 A-shares (71.59%) and 83,622,276,395 H-shares (28.41%)[156]. - The largest shareholder, Central Huijin Investment Ltd., holds 188,791,906,533 A-shares, representing 64.13% of the total A-shares issued[163]. - The top ten ordinary shareholders hold a significant portion of the shares, with the largest three shareholders collectively owning 90.43% of the total A-shares issued[163]. - The company is actively monitoring shareholder activities and potential increases in shareholdings by major stakeholders[162]. - The company has a total of 190,601,931,033 shares held by Central Huijin Investment Ltd., including controlled entities, representing 64.74% of the total ordinary shares issued[163]. Compliance and Legal Matters - The company did not engage in any significant asset acquisitions or disposals during the reporting period[187]. - There were no major related party transactions reported during the period[188]. - The company has not faced any significant legal disputes or arbitration matters that would materially impact its financial condition or operating results[187]. - The company has disclosed other significant matters as required by regulatory authorities on its official websites[198].

Dividends and Profit Distribution - The bank proposed a cash dividend of RMB 1.208 per 10 shares for the 2024 interim period, pending shareholder approval[6]. - The total cash dividend distributed for the 2023 fiscal year amounted to approximately RMB 69.593 billion, at RMB 2.364 per 10 shares[6]. - The company emphasizes a profit distribution policy that mandates at least 10% of the after-tax profit attributable to ordinary shareholders to be distributed in cash dividends, barring special circumstances[183]. - The company approved a profit distribution plan for 2023, allocating approximately RMB 20.824 billion to statutory surplus reserves and RMB 40.468 billion to general reserves, with a cash dividend of RMB 2.364 per 10 shares, totaling around RMB 69.593 billion before tax[185]. - The board proposed a mid-term cash dividend of RMB 1.208 per 10 shares for 2024, pending shareholder approval, with expected payment dates for A-shares on January 23, 2025, and H-shares on February 19, 2025[185]. - The company approved a dividend distribution plan for the second phase of overseas preferred shares, with a total payout of approximately USD 10.15 million (after tax) at a dividend rate of 3.60% (after tax) scheduled for March 4, 2024[185]. - The third phase of domestic preferred shares will have a total dividend payout of RMB 3.285 billion (before tax) at a rate of 4.50% (before tax) on June 27, 2024, and the fourth phase will have a payout of RMB 1.1745 billion (before tax) at a rate of 4.35% (before tax) on August 29, 2024[185]. Financial Performance - Net interest income for the first half of 2024 was RMB 226,760 million, a decrease of 3.5% compared to RMB 233,992 million in the same period of 2023[9]. - Total operating income for the first half of 2024 was RMB 317,929 million, slightly down from RMB 319,707 million in the first half of 2023[9]. - The bank's net profit attributable to shareholders for the first half of 2024 was RMB 118,601 million, compared to RMB 120,095 million in the same period of 2023, reflecting a decrease of 1.2%[9]. - The group achieved operating income of CNY 317.929 billion and net profit after tax of CNY 126.536 billion in the first half of the year[13]. - In the first half of 2024, the group achieved a net profit of RMB 126.54 billion, a decrease of 0.90% year-on-year[20]. - The group's net interest income for the first half of 2024 was RMB 226.76 billion, down 3.09% from the previous year[22]. Risk Management - The bank is actively managing various risks, including credit risk from borrowers and market price fluctuations, while ensuring compliance with regulatory requirements[6]. - The bank's management emphasizes the importance of risk awareness among investors regarding forward-looking statements and future plans[6]. - The non-performing loan ratio remained stable at 1.24% as of June 30, 2024, unchanged from the previous quarter[9]. - The non-performing loan coverage ratio stood at 201.69%, demonstrating effective risk management practices[17]. - The company is focusing on optimizing credit structure and enhancing credit risk management policies to improve asset quality and risk management effectiveness[114]. - The company has established a comprehensive credit risk management system to enhance the identification, warning, exposure, and resolution of potential risks[114]. - The company is implementing a unified credit granting approach to strengthen credit risk management across all business lines[114]. Asset and Liability Management - The total assets of the bank reached RMB 33,907,267 million as of June 30, 2024, an increase of 4.5% from RMB 32,432,166 million at the end of 2023[9]. - Customer loans totaled RMB 21,142,830 million, up 5.9% from RMB 19,961,779 million at the end of 2023[9]. - The total liabilities increased to RMB 31,128.29 billion, up from RMB 29,675.35 billion at the end of 2023[34]. - The average balance of customer loans increased to CNY 20,587,933 million in the first half of 2024[26]. - The average balance of customer deposits rose to CNY 23,037,568 million, with interest expenses of CNY 236,382 million and an average interest rate of 2.06%[26]. Digital Transformation and Innovation - The number of active users of the personal mobile banking app grew by 9.98% year-on-year, highlighting the success of digital financial services[14]. - The monthly active users of the personal mobile banking app peaked at 90 million, reflecting a strong customer engagement[57]. - The bank is focused on digital transformation, enhancing customer experience through a seamless online service and launching a digital RMB section in the BoC Pay app[91]. - The bank has implemented a unified data labeling center to enhance data analysis applications, focusing on precision marketing and fraud prevention[57]. - The bank launched a new generation of bill pool systems to enhance bill trading service capabilities, supporting digital transformation in transaction banking[65]. Corporate Governance - The bank's board includes 12 directors, with a mix of executive and independent members, ensuring diverse governance[168]. - The company continues to enhance corporate governance mechanisms, aligning with capital market regulations and conducting self-assessments[176]. - The company emphasizes the protection of shareholders' rights to information, participation, and decision-making[177]. - The board of directors organized training for continuous professional development, improving decision-making efficiency[178]. - The company has established various specialized committees under the board to assist in fulfilling its responsibilities, with independent directors chairing key committees[178]. Sustainable Finance and Green Initiatives - The balance of green credit increased by 39.77% year-on-year, reflecting the company's commitment to sustainable finance[14]. - The bank's green finance action plan includes specific measures to guide funding towards renewable energy and environmental protection sectors[143]. - The bank's risk management strategy emphasizes proactive measures to address market changes and enhance compliance capabilities[141]. - The bank has not provided financing for new coal mining and coal power projects outside of China since Q4 2021, with no new financing for such projects as of June 2024[146]. - The bank invested over RMB 37 million in the first half of 2024 to support poverty alleviation projects in four designated counties in Shaanxi Province[149]. Shareholder Information - As of June 30, 2024, the total number of ordinary shares is 294,387,791,241, consisting of 210,765,514,846 A-shares (71.59%) and 83,622,276,395 H-shares (28.41%)[156]. - The largest shareholder, Central Huijin Investment Ltd., holds 188,791,906,533 A-shares, representing 64.13% of the total A-shares issued[163]. - The second-largest shareholder, Hong Kong Central Clearing Limited, holds 81,769,959,608 H-shares, accounting for 27.78% of the total H-shares issued[163]. - As of June 30, 2024, the total number of ordinary shareholders is 588,043, comprising 421,595 A-share shareholders and 166,448 H-share shareholders[158]. - The total number of shares held by the top ten ordinary shareholders is significant, with the first two shareholders alone holding over 91% of the total[163].

Financial Reports and Approvals - The Board of Directors approved the 2024 interim financial report with unanimous support from all 13 attending members[1]. - The 2024 interim profit distribution plan was also approved, ensuring compliance with legal regulations and company articles[3]. - The company has revised its "14th Five-Year" financial technology plan and comprehensive risk management strategy for 2024, receiving unanimous approval[4]. - The performance assessment plan for the Chairman and senior management for 2024 was approved, with 12 votes in favor and no opposition[5]. - The company will hold its second extraordinary general meeting in 2024, with all proposals receiving unanimous support[6]. Donations and Social Responsibility - The company plans to increase its external donation budget by RMB 12 million, with specific allocations including RMB 27 million for a cataract project and RMB 11.25 million for an innovation award in Hong Kong[4]. Legal and Administrative Matters - The Board approved the appointment of a representative to accept legal documents in Hong Kong, effective from August 29, 2024[6].

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之內容概不負責，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。 聯席全球協調人，聯席承銷商及聯席賬簿管理人 | 中國銀行 | 中國農業銀行 | 交通銀行 | 中信銀行 | 中國建設銀行 | | --- | --- | --- | --- | --- | | 中國銀河國際 | 中金公司 | 中信建投國際 | 花旗 | 中信証券 | | 民銀資本 | 招商銀行 | 東方匯理銀行 | 迪拜國民銀行 | 華泰國際 | | 中國工商銀行 | 興業銀行股份有限公司香港分行 | | | 瑞穗 | 本公告僅供參考之用，並不構成收購、購買或認購證券的邀請或要約。根據計劃將予發行的票 據（定義如下）將不會根據1933年美國聯邦證券法（經修訂）登記。受制於某些例外情形，根據 計劃將予發行的票據有可能不得在美國境內或向任何美國人士（如證券法S規例定義）或為美國 人士的利益提出要約出售或者進行出售。本公告不得直接或間接於或向美國境內進行分發。 於香港聯合交易所有限公司 上市之通告 中國銀行股 ...

刘金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。 特此公告 证券代码：601988 证券简称：中国银行 公告编号：临2024-040 中国银行股份有限公司 关于副董事长、执行董事及行长辞任的公告 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。 中国银行股份有限公司（简称"本行"）董事会收到刘金先生的辞呈。 刘金先生因个人原因，辞去本行副董事长、执行董事、董事会战略发展委 员会委员及本行行长职务。该辞任自2024年8月25日起生效。 中国银行股份有限公司董事会 二○二四年八月二十五日 ...

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 年中期业 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。 中国银行股份有限公司 关于召开2024年中期业绩发布会的公告 二、业绩发布会召开的时间、网址 证券代码：601988 证券简称：中国银行 公告编号：临 2024-042 四、投资者参加方式 （一）投资者可于 2024 年 8 月 30 日 16:30 通过上述网络直播方 式收看业绩发布会。 （二）投资者可于 2024 年 8 月 28 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。 （一）会议召开时间：2024 年 8 月 30 日 16:30 - 17:45 （二）会议召开方式：网络直播 1 会议召开时间：2024 年 8 月 30 日 16:30 -17:45 ...

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"）董事会以书面议案方式 召开会议。本次董事会会议通知及文件通过书面及电子邮件方式送达 至本行所有董事和监事。截至 8 月 25 日，会议应当参加表决的董事 12 名，实际参加表决的董事 12 名。董事长葛海蛟先生因利益冲突回 避表决。会议的召开及参加表决人数符合《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》的规定。会议表决通过了如下议案： 关于董事长葛海蛟先生代为履行行长职责的议案 赞成：12 反对：0 弃权：0 证券代码：601988 证券简称：中国银行 公告编号：临 2024-041 董事会批准由董事长葛海蛟先生代为履行行长职责，至本行聘任 的新行长正式履职之日止。 特此公告 中国银行股份有限公司董事会 二〇二四年八月二十五日 本行董事会人事和薪酬委员会已审议通过本议案，并同意将该议 案提交董事会审批。 ...