证券代码：601988 证券简称：中国银行 公告编号：临 2024-013 1.中国银行 2023 年年度报告 赞成：14 反对：0 弃权：0 中国银行 2023 年年度报告中的财务报告已经本行董事会审计委 员会审议通过，并同意提交董事会审议。 详 情 请 查 阅 本 行 同 日 刊 登 在 上 海 证 券 交 易 所 网 站 （www.sse.com.cn）和本行网站（www.boc.cn）的中国银行 2023 年 1 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"或"中国银行"）于 2024 年 3 月 28 日在北京以现场表决方式召开了 2024 年第三次董事会会 议，会议通知于 2024 年 3 月 14 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 14 名，亲自出席董事 14 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 ...

证券代码：601988 证券简称：中国银行 公告编号：临 2024-014 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"）在北京以现场表决方式 召开监事会 2024 年第一次会议，会议通知于 2024 年 3 月 19 日通过 书面及电子邮件方式送达至本行所有监事。会议应出席监事 5 名，实 际亲自出席监事 5 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 2023 年年度报告》 本监事会认为本行 2023 年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。 表决情况：五票同意，零票反对，零票弃权。 6.《监事会对本行并表管理履职情况的监督评价意见》 2.《中国银行股份有限公司 2023 年度利润分配方案》 ...

中国银行股份有限公司 中国银行股份有限公司董事会 2024 年 3 月 28 日 董事会关于独立董事独立性情况的专项报告 根据《上市公司独立董事管理办法》《上海证券交易所 股票上市规则》等监管规定，本行独立董事开展了独立性自 查工作。根据本行独立董事的任职情况以及签署的相关独立 性自查文件，董事会对独立董事独立性进行了评估。 本行独立董事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 响其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。 ...

中国银行股份有限公司 2023 年资本充足率报告 | 1 | 引言 2 | | | --- | --- | --- | | | 1.1 中国银行简介 | 2 | | | 1.2 披露依据 | 3 | | | 1.3 并表范围 | 3 | | 2 | 资本及资本充足率 5 | | | | 2.1 内部资本充足评估的方法和程序 5 | | | | 2.2 资本规划和资本充足率管理计划 5 | | | | 2.3 资本充足率 | 6 | | | 2.4 资本构成 | 7 | | | 2.5 门槛扣除限额与超额贷款损失准备 8 | | | | 2.6 重大资本投资行为 | 9 | | | 2.7 实收资本 | 9 | | 3 | 风险管理 | 10 | | | 3.1 风险管理体系 10 | | | | 3.2 风险计量体系的重大变更 10 | | | | 3.3 风险加权资产 11 | | | 4 | 信用风险 | 12 | | | 4.1 信用风险管理 12 | | | | 4.2 信用风险计量 12 | | | | 4.3 信用风险缓释 17 | | | | 交易对手信用风险 4.4 | 19 | | | 4. ...

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） 2023年年度報告 2024年4月本行2023年年度報告的印刷版本將取代此版本。 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年改組為國有獨資商業銀行，全面提供各類金融服務，發展成為本外 幣兼營、業務品種齊全、實力雄厚的大型商業銀行。2006年率先成功在香港聯交 所和上海證券交易所掛牌上市，成為國內首家「A+H」上市銀行。中國銀行是2008 年北京夏季奧運會和2022年北京冬季奧運會唯一官方銀行合作夥伴，是中國唯一 的「雙奧銀行」。2011年，中國銀行成為新興經濟體中首家全球系統重要性銀行， 目前已連續13年入選，國際地位、競爭能力、綜合實力躋身全球大型銀行前列。 當前，中國銀行對標黨的二十大精神及中央金融工作會議精神，以服務實體經濟為 宗旨，以防控風險為永恒主題，以鞏固擴大全球化優勢、提升全球佈局能力為首要 任務，以提 ...

按照《中国银行股份有限公司选聘、轮换和解聘外部审计师政策》，本行 2023 年度会计师事务所对其工作提交了总结报告，并向审计委员会汇报其独立性遵循 情况。 该委员会主要职责为：审议聘请、续聘或更换外部审计师，以及相关审计费 用；评估外部审计师工作，监督外部审计师的独立性、工作程序、质量和结果； 审议外部审计师的年度审计报告、经审计的本行年度财务报告、经营情况讨论与 分析以及其他中期财务报告；就经审计的本行年度财务报告信息的真实性、完整 性和准确性作出判断性报告；审阅外部审计师就本行的财务管理和控制程序提出 的建议；与外部审计师讨论本行适用会计准则及准备财务报告方面的重大事项与 问题；审议外部审计师的年度审计计划和工作范围；审议重大会计和审计政策以 及重要审计规则；审议本行财务信息的披露情况；审议内部审计章程等重要制度 和报告及审计组织架构；审议中长期审计规划和年度审计计划，指导、考核和评 价内部审计工作；审议聘任总审计师，需要时提议解聘并更换总审计师，总审计 师应直接向董事会及审计委员会报告；审查总审计师的任职资格、绩效考核、独 立性及报酬；督促本行做好内部控制管理；审议审计部门向高级管理层提交的重 要审计发 ...

中国银行股份有限公司全体股东： 根据《企业内部控制基本规范》及其配套指引的规定和其他内部控制监管要求（以下简称企业内部 控制规范体系），结合本公司（以下简称公司）内部控制制度和评价办法，在内部控制日常监督和专项 监督的基础上，我们对公司2023年12月31日（内部控制评价报告基准日）的内部控制有效性进行了评价。 一. 重要声明 按照企业内部控制规范体系的规定，建立健全和有效实施内部控制，评价其有效性，并如实披露内 部控制评价报告是公司董事会的责任。监事会对董事会建立和实施内部控制进行监督。经理层负责组织 领导企业内部控制的日常运行。公司董事会、监事会及董事、监事、高级管理人员保证本报告内容不存 在任何虚假记载、误导性陈述或重大遗漏，并对报告内容的真实性、准确性和完整性承担个别及连带法 律责任。 公司代码：601988 公司简称：中国银行 中国银行股份有限公司 2023 年度内部控制评价报告 公司内部控制的目标是合理保证经营管理合法合规、资产安全、财务报告及相关信息真实完整，提 高经营效率和效果，促进实现发展战略。由于内部控制存在的固有局限性，故仅能为实现上述目标提供 合理保证。此外，由于情况的变化可能导致内部 ...

Bank Rankings and Brand Value - Bank of China ranked 4th among the world's top 1000 banks according to The Banker[4] - The bank's brand value is ranked 4th among the top 500 global bank brands as per Brand Finance[4] - In the Fortune Global 500, Bank of China is positioned at 49th[4] Financial Performance - The company's operating income for 2023 was RMB 586,461 million, a decrease of 5.3% compared to 2022's RMB 619,139 million[13] - The net profit after tax for 2023 was RMB 236,725 million, down from RMB 237,504 million in 2022, reflecting a slight decline of 0.3%[13] - Basic earnings per share for 2023 were RMB 0.72, compared to RMB 0.73 in 2022, indicating a decrease of 1.4%[13] - The average return on total assets for 2023 was 0.85%, unchanged from 2022[13] - The non-interest income ratio for 2023 was 21.69%, a significant drop from 25.59% in 2022[13] - The company's credit cost for 2023 remained stable at 0.56%, consistent with the previous year[13] - The non-performing loan ratio for 2023 was 1.32%, unchanged from 2022, indicating stable asset quality[13] - The company proposed a final dividend of RMB 2.364 per 10 shares for the year 2023, pending shareholder approval[12] Risk Management and Compliance - The company is actively managing various risks, including macroeconomic and operational risks, to ensure compliance with regulatory requirements[12] - The group has implemented a comprehensive risk management structure involving the board, supervisory board, senior management, and various departments to proactively address risks[150] - The group is focusing on digital transformation in risk management to improve early identification and response capabilities for potential risks[150] - The bank has strengthened its anti-money laundering and sanctions compliance management, enhancing monitoring capabilities and risk assessment methods[185] Global Operations and Strategic Goals - Bank of China operates in 64 countries and regions, enhancing its global service network[2] - The bank aims to strengthen its global layout and enhance market competitiveness as part of its strategic goals[3] - The group is focused on enhancing global layout capabilities and international competitiveness, particularly in Southeast Asia and the EU[22] - The company aims to enhance its global business capabilities and improve its service network to support the Belt and Road Initiative, promoting the internationalization of the RMB[199] Innovation and Technology - The bank emphasizes innovation in financial technology, focusing on areas such as green finance and digital finance[3] - The bank's technology investment amounted to 22.397 billion yuan, accounting for 3.60% of operating income[148] - The bank's technology workforce comprised 14,541 employees, representing 4.74% of total staff[148] - The bank launched 28 new products for corporate clients, enhancing cross-border financial services[145] Customer and Market Development - The bank's personal financial assets exceeded CNY 14 trillion, reflecting a strong customer base[20] - The bank's new loans to private enterprises increased by over CNY 790 billion, growing by more than 27%[19] - The total number of personal customers in mainland China exceeded 525 million by the end of 2023, representing a growth of 3.80% compared to the end of the previous year[100] - The number of signed personal mobile banking customers reached 274.62 million, with monthly active users at 87.76 million, making it the most active transaction channel[145] Green Finance Initiatives - The bank is committed to supporting major strategic areas and enhancing financial support for key sectors, including technology finance and green finance, as part of its strategic initiatives[77] - The balance of domestic green credit reached CNY 3,106.7 billion by the end of 2023, an increase of 56.34% compared to the previous year[80] - The company ranked first among Chinese banks in Bloomberg's "Global Sustainable Linked Loans" and "Global Green UoP Loans" lists[80] - The company aims to become the preferred bank for green financial services, optimizing its governance structure and support measures for green finance[80] Awards and Recognition - Bank of China has received multiple awards, including the Best Cash Management Bank and Best Supply Chain Finance Bank at the 13th "Golden Trade Award"[4] - The company received multiple awards, including "Best Bank in Hong Kong" and "Most Resilient Bank in Asia-Pacific," highlighting its strong market position and digital transformation efforts[127] Financial Stability and Capital Management - The capital adequacy ratio improved to 17.74%, up by 0.22 percentage points[19] - The bank's liquidity ratio for RMB reached 55.0% as of December 31, 2023, exceeding the regulatory standard of 25%[175] - The bank's liquidity coverage ratio and net stable funding ratio details are available in the consolidated financial statements, indicating a focus on maintaining liquidity stability[177] Employee Development and Corporate Culture - The total number of employees was 306,931, with 281,827 working in mainland institutions[192] - The average training duration for employees was 55.32 hours, focusing on compliance and professional qualifications[197] - The company plans to provide over 13,000 job positions in the 2024 global campus recruitment initiative to support employment for college graduates[192] Digital Transformation and Customer Experience - The bank's online financial product system was continuously optimized, with the "Zhongyin e-Qiying" app winning multiple awards for innovation in inclusive finance[98] - The bank's digital currency project became one of the first to provide digital currency clearing services, indicating its leadership in financial innovation[95] - The bank's digital currency exchange capabilities expanded to include three new currencies, supporting a total of eight languages and 21 currencies for foreign exchange services[105]

Financial Performance - Bank of China reported its audited financial results for the year ending December 31, 2023[1]. - The company's operating income for 2023 was RMB 586,461 million, a decrease from RMB 619,139 million in 2022[13]. - The net profit after tax for 2023 was RMB 236,725 million, compared to RMB 237,504 million in 2022[13]. - Basic earnings per share for 2023 were RMB 0.72, slightly down from RMB 0.73 in 2022[13]. - The average return on total assets for 2023 was 0.85%, unchanged from 2022[13]. - The company reported a cost-to-income ratio of 28.92% for 2023, an increase from 27.88% in 2022[13]. - The net interest margin for 2023 was 1.75%, down from 1.76% in 2022[13]. - Non-interest income for 2023 reached RMB 157,593 million, an increase of 23.8% from RMB 127,195 million in 2022[14]. - Operating profit for 2023 was RMB 294,643 million, up 4.1% from RMB 282,996 million in 2022[14]. - The net profit attributable to shareholders for 2023 was RMB 231,904 million, representing an increase of 2.0% from RMB 226,522 million in 2022[14]. Risk Management - The company is actively managing various risks, including credit risk and operational risk, in response to macroeconomic conditions[12]. - The non-performing loan ratio for 2023 was 1.32%, consistent with the previous year[13]. - The coverage ratio for non-performing loans improved to 191.66% in 2023, compared to 188.73% in 2022[14]. - The group maintained a healthy credit structure, with 97.27% of loans classified as "normal" as of December 31, 2023, compared to 97.33% the previous year[157]. - The group is actively enhancing risk management capabilities, focusing on digital transformation and intelligent risk control to improve early identification and response to risks[156]. Strategic Focus and Development - The bank aims to enhance its global layout and market competitiveness while focusing on risk prevention and control[3]. - The bank is committed to developing technology finance, green finance, inclusive finance, pension finance, and digital finance[2]. - The bank's strategic focus includes deepening reform and innovation to improve operational efficiency[3]. - The company aims to contribute to high-quality development and modernize its operations in line with national strategies[22]. - The group plans to enhance financial services to support green transformation and digitalization efforts in 2024[25]. Awards and Recognition - The bank has received multiple awards, including the Best ESG Bank in China and the Best Cash Management Bank[4]. - The company ranked first among Chinese banks in Bloomberg's "Global Sustainable Linked Loans" and "Global Green UoP Loans"[80]. - The bank has been recognized with multiple awards, including the "Best RMB Bank" and "Best Supply Chain Finance Bank," highlighting its professional advantages in the transaction banking sector[97]. Digital Transformation and Technology - The bank's financial technology innovations have been recognized with awards for blockchain projects and overall development[4]. - Monthly active users of mobile banking approached 90 million, reflecting enhanced digital service capabilities[23]. - The bank is committed to digital transformation, focusing on improving financial service efficiency and risk control through data integration and analysis[87]. - The bank's technology investment amounted to 22.397 billion yuan, accounting for 3.60% of operating income[148]. - The bank launched 28 new products for corporate clients, enhancing cross-border financial services[145]. International Operations - Bank of China operates in 64 countries and regions, providing a comprehensive range of financial services[2]. - The bank's international settlement volume for the year was approximately USD 8 trillion, supporting foreign trade stability and structural optimization[19]. - The bank has established 1,464 cross-border RMB interbank accounts for clients in 112 countries and regions, maintaining a leading position in domestic peers[95]. - The bank's market share in cross-border RMB settlement and foreign currency trade financing remains the highest in the industry[96]. Customer and Market Growth - The bank's personal financial assets exceeded CNY 14 trillion, reflecting a commitment to enhancing service quality and product safety[20]. - The balance of inclusive loans exceeded CNY 1.7 trillion, with a growth rate exceeding 40%[19]. - The bank's agricultural loan balance reached CNY 2.66 trillion, an increase of 28.53% compared to the end of the previous year, exceeding the average growth rate of all loans[98]. - The number of corporate online banking customers reached 8.19 million by the end of 2023, an increase of 13.31% year-on-year[87]. Financial Stability and Capital Management - The capital adequacy ratio improved to 17.74%, up by 0.22 percentage points[19]. - The bank successfully issued CNY 30 billion perpetual bonds and CNY 220 billion Tier 2 capital bonds in 2023, enhancing its capital strength[187]. - The leverage ratio stood at 7.39% at the end of 2023, slightly down from 7.65% at the end of 2022, still meeting regulatory requirements[189]. - The total risk-weighted assets amounted to CNY 18,591,278 million, up from CNY 16,818,275 million at the end of 2022[188]. Employee and Workforce Development - The number of employees at the bank was 306,931, with 281,827 located in mainland China[192]. - Female employees constitute 57.07% of the total workforce, while male employees make up 42.93%[193]. - The average training duration for employees was 55.32 hours, focusing on political training and core business skills[197]. - The bank plans to provide over 13,000 job positions in its 2024 global campus recruitment initiative to support employment for college graduates[192].

3月28日，中国银行业协会与普华永道联合发布《中国银行家调查报告（2023）》（以下简称《报 告》）指出，在中国坚持稳中求进工作总基调下，银行家对未来国内经济运行平稳性预期增强，并高度 评价货币政策的效果。 报告显示，29.4%的银行家认为未来经济增速会维持在5.0%-5.5%的区间，27.0%的银行家认为未来经济 增速会维持在4.5%-5.0%的区间，17.9%的银行家认为未来经济增速会维持在5.5%-6.0%的区间。 在过去一年，银行家对货币政策效果评价较高，认为稳健的货币政策更加精准有力，支持扩大内需和实 体经济恢复。调查显示，2023年，农林牧渔业首次成为银行信贷投向重点支持行业之首。电力燃气业 （含光伏、风电）在银行信贷投向重点支持行业中排名第二。医药业在银行信贷投向重点支持行业中的 排名则由第一下降至第三。此外，节能环保产业成为银行家最关注的绿色贷款投向领域，做好新市民金 融服务成为银行家新增重点关注领域。 2023年以来，存款仍为银行负债增长的主要驱动因素，但揽储竞争压力仍然较大。54.1%的受访银行家 认为“优化负债结构，降低综合负债成本”是银行业未来利润首要增长点。此外，“金融科技引领数字化 ...