中國工商銀行股份有限公司 中國，北京 2025年4月15日 INDUSTRIAL AND COMMERCIAL BANK OF CHINA LIMITED 於本公告刊發日期，董事會成員包括執行董事廖林先生、劉珺先生和王景武先生；非執行董事盧永真先生、 馮衛東先生、曹利群女士、陳怡芳女士、董陽先生和鍾蔓桃女士；獨立非執行董事胡祖六先生、陳德霖先生、 赫伯特•沃特先生、莫里•洪恩先生、陳關亭先生和李偉平先生。 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，概不就因本公告全部或任何部份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。 特此公告。 中國工商銀行股份有限公司 董事會 （於中華人民共和國註冊成立的股份有限公司） 股份代號：1398 美元優先股股份代號：4620 更改在香港代表接受送達 法律程序文件的代理人 中國工商銀行股份有限公司（「本行」）宣佈，由2025年4月15日起，劉剛先生接替徐克恩 先生獲委任為根據香港聯合交易所有限公司證券上市規則第19A.13(2)條及公司條例（香 港法例第622章）第16部規定，代表本行在 ...

截至月份: 2025年3月31日 狀態: 新提交 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 致：香港交易及結算所有限公司 公司名稱: 中國工商銀行股份有限公司 呈交日期: 2025年4月1日 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) | 01398 | 說明 | | | | | | | | | | 法定/註冊股份數目 | | | 面值 | | 法定/註冊股本 | | | 上月底結存 | | | 86,794,044,550 | RMB | | 1 RMB | | 86,794,044,550 | | 增加 / 減少 (-) | | | 0 | | | RMB | | 0 | | 本月底結存 | | | 86,794,044,550 | RMB | | 1 RMB | | 86,794,044,550 | | 2. 股份分類 | 普通股 | 股份 ...

Investment Rating - The report maintains a strong buy recommendation for the company [5] Core Views - The company demonstrates stable operational performance with a slight recovery in revenue, PPOP, and net profit growth rates in 2024 compared to previous quarters [1] - The asset scale is steadily expanding, with total assets growing by 9.2% year-on-year and loans increasing by 8.8%, driven by significant growth in bill discounting [2] - The net interest margin remains stable at 1.42%, with a slight decrease compared to earlier quarters, while the cost of interest-bearing liabilities has improved [2] - The company plans to distribute a stable dividend of 0.308 CNY per share, maintaining a cash dividend ratio of 31.3% for three consecutive years [3] - The company’s non-performing loan ratio is stable at 1.34%, with improvements in corporate loans, although retail loans show some pressure [3] Summary by Sections Performance Overview - In 2024, the company reported a total revenue of 821.8 billion CNY, a decrease of 2.52% year-on-year, while net profit increased by 0.51% to 365.9 billion CNY [1][13] - The company’s total assets reached 48.8 trillion CNY, with a year-on-year growth of 9.2% [13] Non-Interest Income - Non-interest income has shown a decline, with a year-on-year decrease of 1.95% in 2024, primarily due to a drop in fee income [14][31] Interest Margin and Capital - The net interest margin for 2024 is reported at 1.42%, with a slight contraction from previous periods, while the cost of interest-bearing liabilities decreased to 1.94% [2][12] - The company maintains a robust capital adequacy ratio, with a core Tier 1 capital ratio of 13.78% [29] Asset Quality - The non-performing loan ratio stands at 1.34%, with a slight improvement in corporate loans, while retail loans face increased pressure [3][14] - The provision coverage ratio is reported at 214.69%, indicating a strong buffer against potential loan losses [3][14]

Unidentified Company Representative Investors, Analysts, Media, good afternoon. Welcome to the 2024 Annual Earnings Call of ICBC. I'm Chen Hua from ICBC Strategic Management and Investor Relations Department. The 2024 Annual Report has Annual Announcement has already been released. Thank you for the 880,000 investors for recognition. ICBC has been highly valued the IR and the market value management. We have maintained a frequent and effective contact with investors and media. Today's earnings call will be ...

Industrial and Commercial Bank of China (01398) H2 2024 Earnings Call March 28, 2025 03:32 PM ET Moderator good afternoon. Welcome to the twenty twenty four Annual Earnings Call of ICBC. I'm Chennoh from ICBC's Strategic Management and Investor Relations department. The 2024 Annual Report has annual announcement has already been released. Thank you for the 880,000 investors for recognition. SEB has been highly valued, the IR and the market value management. We have maintained a frequent and effective contac ...

Financial Performance - Net interest income for 2024 was RMB 637,405 million, a decrease of 2.5% from RMB 655,013 million in 2023[31]. - Net fee and commission income for 2024 was RMB 109,397 million, down 8.3% from RMB 119,357 million in 2023[31]. - Total operating income for 2024 was RMB 821,803 million, a decline of 2.5% compared to RMB 843,070 million in 2023[31]. - Net profit for 2024 reached RMB 366,946 million, slightly up from RMB 365,116 million in 2023, representing a growth of 0.5%[31]. - Total operating income for Q1 2024 was RMB 219,843 million, a decrease from RMB 227,596 million in Q1 2023, while net profit attributable to shareholders was RMB 87,653 million, down from RMB 90,164 million[38]. - The company achieved a net profit of CNY 366.95 billion in 2024, an increase of 0.5% compared to the previous year[58]. - Total operating income for the year was CNY 821.80 billion, a decrease of 2.5% year-on-year[59]. - Net interest income was CNY 637.41 billion, down 2.7% from the previous year, accounting for 77.6% of total operating income[60]. - The tax expense for 2024 was RMB 548,810 million, a decrease of RMB 19,690 million, or 3.5%[84]. Customer Base and Services - The bank serves over 1.3 million corporate clients and 766 million individual customers, highlighting its extensive customer base[3]. - The number of personal customers increased to over 760 million, and corporate customers exceeded 13 million, reflecting a solid customer base[42]. - The total number of personal customers reached 766 million by the end of 2024, with total personal financial assets amounting to 22.84 trillion yuan, including personal deposits of 1.85415 trillion yuan, an increase of 197.59 billion yuan, representing a growth of 11.9%[151]. - The bank's digital banking monthly active users exceeded 260 million, showcasing significant growth in digital financial services[133]. - The bank's enterprise online banking and mobile banking customer base reached 16.59 million, with an average of 7.07 million monthly active users, leading the industry[182]. Strategic Goals and Initiatives - The bank's strategic goal is to build a world-class modern financial institution with Chinese characteristics, emphasizing service to the real economy[5]. - The bank aims to enhance its digital transformation and financial technology development as part of its strategic focus on innovation and modernization[7]. - The bank's strategy focuses on supporting key national development strategies and enhancing the efficiency of credit resource allocation[92]. - The bank aims to achieve a GDP growth target of 5.0% for 2024, supported by proactive fiscal policies and increased government bond issuance[54]. - The bank plans to enhance its core products and technologies, aiming for a comprehensive transformation towards modern banking[51]. Risk Management and Compliance - The bank's total assets and liabilities are managed with a focus on risk control and compliance with banking regulations, ensuring financial stability[6]. - The non-performing loan ratio was maintained at a stable level, reflecting effective risk management strategies[30]. - The non-performing loan ratio improved slightly to 1.34% in 2024 from 1.36% in 2023, and the provision coverage ratio increased to 214.91% from 213.97%[34]. - The bank will continue to focus on risk prevention and control, integrating intelligent risk management platforms to maintain financial stability[50]. Financial Technology and Digital Transformation - Financial technology investments accounted for 3.63% of operating income, with financial technology personnel making up 8.6% of total employees[49]. - The bank's financial technology investment for 2024 is CNY 28.518 billion, with 36,000 employees dedicated to fintech, accounting for 8.6% of the total workforce[178]. - The bank's digital transformation initiatives have led to a comprehensive customer service system, enhancing customer engagement and operational efficiency[151]. - The bank's digital financial services platform has facilitated transactions exceeding CNY 375 trillion, serving 66,800 corporate clients[176]. - The bank's digital financial services have reached a 99% digitalization rate in 2024[182]. Social Responsibility and Community Support - The bank has committed to social responsibility initiatives, including support for manufacturing, inclusive finance, rural revitalization, and green finance[3]. - The company reported a 42% increase in inclusive loan accounts and a 22% increase in agricultural loans compared to the beginning of the year[43]. - By the end of 2024, the bank's green loan balance surpassed 6 trillion RMB, supporting the transition to a low-carbon economy[138]. - The bank's pension management scale approached 5 trillion RMB, with over 200 million clients aged 55 and above[133]. - The company has actively supported the elderly care industry by providing comprehensive services including investment, account management, and payment solutions, contributing to the development of the silver economy[163]. Awards and Recognition - The bank has been recognized with multiple awards, including "Best Private Bank in China" and "Best Digital Wealth Management Experience" for its innovative financial services[155]. - The company has been awarded the title of "Best Investment Institution" in the G3 bond category among Chinese banks for four consecutive years, indicating its strong market influence[168]. - The company has received multiple honors for its performance in the foreign exchange market, including "Excellent Foreign Currency Borrowing Quotation Bank" for seven consecutive years[165]. Operational Efficiency and Infrastructure - The bank established 22 technology financial centers and 160 technology branches to enhance its service capabilities in technology finance[137]. - The company plans to optimize and adjust 527 branches in 2024, increasing county-level coverage to 87.4% with a total of 15,365 branches and 19,746 self-service banks by year-end[184]. - The total transaction volume of ATMs reached 4.2652 trillion yuan in the year[184]. - The company has maintained a high level of information system availability at 99.99% throughout the year, ensuring operational continuity during critical periods[173].

证券代码：601398 证券简称：工商银行 公告编号：临 2025-007 号 中国工商银行股份有限公司 监事会决议公告 中国工商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。 中国工商银行股份有限公司（简称本行）监事会于 2025 年 3 月 18 日以书 面形式发出会议通知，于 2025 年 3 月 28 日在北京市西城区复兴门内大街 55 号 本行总行召开会议。会议应出席监事 3 名，亲自出席 2 名，委托出席 1 名，张 杰监事委托刘澜飚监事出席会议并代为行使表决权。鉴于本行监事长空缺，监 事会成员共同推举刘澜飚监事主持会议。会议召开和议案审议程序符合有关法 律法规、《中国工商银行股份有限公司章程》及《中国工商银行股份有限公司监 事会议事规则》等规定。 会议审议通过以下议案： 一、关于 2024 年度报告及摘要的议案 监事会审议认为，本行 2024 年度报告的编制和审核程序符合有关法律、行 政法规和监管规定，报告内容真实、准确、完整地反映了本行实际情况。 议案表决情况：有效表决票 3 票，同意 3 票，反对 ...

证券代码：601398 证券简称：工商银行 公告编号：临 2025-006 号 中国工商银行股份有限公司 董事会决议公告 中国工商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。 中国工商银行股份有限公司（简称本行）董事会于 2025 年 3 月 28 日在北京 市西城区复兴门内大街 55 号本行总行召开会议。会议应出席董事 15 名，亲自出 席 15 名。高级管理层成员及监事会成员列席会议。会议的召开符合法律法规、 《中国工商银行股份有限公司章程》（简称《公司章程》）以及《中国工商银行 股份有限公司董事会议事规则》的规定。 会议由廖林董事长主持召开。出席会议的董事审议通过了以下议案： 一、关于 2024 年度财务决算方案的议案 议案表决情况：有效表决票 15 票，同意 15 票，反对 0 票，弃权 0 票。 本议案尚需提交本行股东大会审议。 本议案尚需提交本行股东大会审议。 具体内容请见本行刊载于上海证券交易所网站（www.sse.com.cn）的《中国 工商银行股份有限公司 2024 年度利润分配方案公告》。 1 ...

证券代码：601398 证券简称：工商银行 公告编号：临 2025-008 号 中国工商银行股份有限公司 2024 年度利润分配方案公告 中国工商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： ● 每股分配金额：每股普通股派发末期现金红利人民币 0.1646 元（含税）。 ● 本行拟以 356,406,257,089 股普通股为基数向普通股股东派发 2024 年末 期股息。A 股派息日为 2025 年 7 月 14 日，H 股派息日为 2025 年 8 月 22 日。 ● 本次利润分配方案尚需提交本行股东大会审议通过后方可实施。 ● 本行不触及《上海证券交易所股票上市规则》第 9.8.1 条第一款第（八） 项规定的可能被实施其他风险警示的情形。 一、利润分配方案内容 （一）利润分配方案的具体内容 截至 2024 年 12 月 31 日，中国工商银行股份有限公司（简称本行）期末归 属于母公司股东净利润为人民币 3,658.63 亿元。经本行董事会审议，本行拟以 356,406,257,089 股普通股 ...