关于中国工商银行股份有限公司 2024 年度控股股东及其他关联方 占用资金情况的专项说明 关于中国工商银行股份有限公司 2024 年度控股股东及其他关联方占用资金情况的专项说明 安永华明（2025）专字第70008879_A06号 中国工商银行股份有限公司 中国工商银行股份有限公司董事会： 我们审计了中国工商银行股份有限公司（以下简称"贵行"）及其子公司（以下 统称"贵集团"）的2024年度财务报表，包括2024年12月31日的合并及公司资产负债 表、2024年度的合并及公司利润表、股东权益变动表和现金流量表以及相关财务报表 附注，并于2025年3月28日出具了编号为安永华明（2025）审字第【70008879_A01】 号的无保留意见审计报告。 按照《上市公司监管指引第8号——上市公司资金往来、对外担保的监管要求》的 要求，如实编制和对外披露2024年度非经营性资金占用及其他关联资金往来情况汇总 表（以下简称"汇总表"），并确保其真实性、合法性、完整性是贵行的责任。我们 对汇总表所载资料与我们审计贵集团2024年度财务报表时所复核的会计资料和经审计 的财务报表的相关内容进行了核对，在所有重大方面没有发现不一 ...

中国工商银行股份有限公司 2024 年度会计师事务所履职情况评估报告 中国工商银行股份有限公司（以下简称本行）综合考虑业 务发展需要和对审计服务的需求，按照会计师事务所选聘相关 规定，经履行招标程序并根据评标结果，聘请安永华明会计师 事务所（特殊普通合伙）（以下简称安永华明）为本行 2024 年 度国内会计师事务所，聘请安永会计师事务所（以下简称安永 香港）为本行 2024 年度国际会计师事务所。本行前任会计师事 务所德勤华永会计师事务所（特殊普通合伙）和德勤•关黄陈方 会计师行分别对本行2023年度按照中国会计准则编制和按照国 际财务报告准则编制的财务报告进行审计，均出具了标准无保 留意见。本行已就聘任 2024 年度会计师事务所事宜与前任会计 师事务所进行了事前沟通，其对此无异议。安永华明、安永香 港与本行前任会计师事务所按照中国和国际审计准则已完成了 前后任会计师事务所的沟通。 根据《国有企业、上市公司选聘会计师事务所管理办法》 要求，本行董事会审计委员会对安永华明和安永香港 2024 年度 履职情况进行评估，具体评估情况如下： 安永华明和安永香港按照审计服务协议约定，遵循中国注 册会计师审计准则、国际 ...

资本管理第三支柱 信息披露报告 2024年 目录 | 引言 | 2 | | --- | --- | | 风险管理、关键审慎监管指标和风险加权资产概览 | 3 | | 资本和总损失吸收能力的构成 | 9 | | 财务报表与监管风险暴露间的联系 | 15 | | 薪酬 | 16 | | 信用风险 | 18 | | 交易对手信用风险 | 25 | | 资产证券化 | 26 | | 市场风险 | 27 | | 操作风险 | 30 | | 银行账簿利率风险 | 33 | | 宏观审慎监管措施 | 35 | | 杠杆率 | 36 | | 流动性风险 | 39 | 引言 编制依据 本报告根据国家金融监督管理总局令2023年第4号《商业银行资本管理办法》编制并披露。 资本监管指标计算范围 本集团并表资本监管指标计算范围包括中国工商银行股份有限公司（以下简称"本行"）以及 符合《商业银行资本管理办法》规定的本行直接或间接投资的金融机构。 资本计量方法 本行按照监管机构批准的资本计量高级方法实施范围，符合监管要求的公司信用风险暴露采 用初级内部评级法、零售信用风险暴露采用高级内部评级法，内部评级法未覆盖的信用风险采用 权重法，市 ...

了事前沟通，其对此无异议。安永华明、安永香港与本行前任 会计师事务所按照中国和国际审计准则已完成了前后任会计师 事务所的沟通。 中国工商银行股份有限公司董事会审计委员会 对会计师事务所履行监督职责情况的报告 根据《国有企业、上市公司选聘会计师事务所管理办法》 《上海证券交易所上市公司自律监管指引第1号——规范运作》 及《中国工商银行股份有限公司章程》等规定，中国工商银行 股份有限公司（以下简称本行）董事会审计委员会对会计师事 务所履行监督职责，具体情况如下： 一、提议聘请 2024 年度会计师事务所 综合考虑本行业务发展需要和对审计服务的需求，根据会 计师事务所选聘相关规定，经履行招标程序并根据评标结果， 本行董事会审计委员会于 2024 年 8 月审议通过《关于聘请 2024 年度会计师事务所的议案》，提请聘任安永华明会计师事务所 （特殊普通合伙）（以下简称安永华明）为本行 2024 年度国内 会计师事务所，聘任安永会计师事务所（以下简称安永香港） 为本行 2024 年度国际会计师事务所，并审核和评价审计费用报 价和聘用条款等，同意将相关聘请议案提交本行 2024 年 8 月的 董事会会议审议。本行前任会计 ...

证券代码：601398 证券简称：工商银行 公告编号：临 2025-009 号 中国工商银行股份有限公司 关于续聘会计师事务所的公告 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： ● 拟聘任的会计师事务所名称：安永华明会计师事务所（特殊普通合伙）及安 永会计师事务所 中国工商银行股份有限公司（简称本行）董事会决定续聘安永华明会计师事务所 （特殊普通合伙）为本行 2025 年度国内会计师事务所，续聘安永会计师事务所为本 行 2025 年度国际会计师事务所。本次聘任事项尚需提交本行股东大会审议。 一、拟聘任会计师事务所的基本情况 （一）机构信息 1. 安永华明会计师事务所（特殊普通合伙） （1）基本信息 安永华明会计师事务所（特殊普通合伙）（简称安永华明）于 1992 年 9 月成立， 2012 年 8 月完成本土化转制，从一家中外合作的有限责任制事务所转制为特殊普通合 伙制事务所。安永华明总部设在北京，注册地址为北京市东城区东长安街 1 号东方广 场安永大楼 17 层 01-12 室。截至 ...

Industrial and Commercial Bank of China (01398) H2 2024 Earnings Call March 28, 2025 05:30 AM 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[6]. - Total operating income for 2024 was RMB 786,126 million, down 2.1% from RMB 806,458 million in 2023[6]. - Net profit for 2024 reached RMB 366,946 million, slightly up from RMB 365,116 million in 2023, representing a growth of 0.5%[6]. - In 2024, the company achieved operating revenue of RMB 210.165 billion in Q1, a decrease of 3.4% compared to RMB 218.461 billion in Q1 2023[9]. - Net profit attributable to shareholders for Q1 2024 was RMB 87.653 billion, down 2.8% from RMB 90.164 billion in Q1 2023[9]. - The company reported a net cash flow from operating activities of RMB 1.367252 trillion in Q1 2024, compared to RMB 1.105614 trillion in Q1 2023[9]. - The company achieved a net profit of 366.946 billion RMB, an increase of 0.5% year-over-year, with a return on average total assets of 0.78% and a weighted average return on equity of 9.88%[18]. - Operating income for 2024 was 786.126 billion RMB, a decrease of 2.5%, with net interest income at 637.405 billion RMB, down 2.7%[19]. Asset and Loan Growth - Total assets increased to RMB 48,821,746 million in 2024, up 9.5% from RMB 44,697,079 million in 2023[6]. - Customer loans and advances totaled RMB 28,372,229 million, an increase of 8.8% compared to RMB 26,086,482 million in 2023[6]. - The total assets of the company reached 46.885 trillion RMB, an increase from 42.410 trillion RMB in the previous year[20]. - Total customer loans and advances reached RMB 28,372.23 billion by the end of 2024, an increase of RMB 22,857.47 billion or 8.8% compared to the end of 2023[43]. - Corporate loans amounted to RMB 17,482.22 billion, representing 61.6% of total loans, with an increase of RMB 1,337.02 billion or 8.3% year-on-year[45]. - Personal loans increased by RMB 3,040.99 billion, growing by 3.5%, with personal consumption loans rising by 28.3% to RMB 421.20 billion[46]. Non-Performing Loans and Risk Management - The non-performing loan ratio improved to 1.34% in 2024 from 1.36% in 2023[7]. - The non-performing loan ratio at the end of the year was 1.34%, a decrease of 2 basis points year-on-year[12]. - The provision coverage ratio increased to 214.91%, up 0.94 percentage points from the previous year[12]. - The coverage ratio for loan provisions was 214.91%, an increase of 0.94 percentage points from the previous year[51]. - The total overdue loans amounted to RMB 406.74 billion, an increase of RMB 76.31 billion from the previous year[54]. Capital Adequacy and Financial Stability - The core tier 1 capital adequacy ratio increased to 14.10% in 2024, up from 13.72% in 2023[7]. - The capital adequacy ratio rose to 19.39%, maintaining a leading position among global large banks[12]. - The bank's leverage ratio was recorded at 7.75% as of December 31, 2024, indicating compliance with regulatory requirements[163]. - The bank's total loss-absorbing capacity non-capital debt instruments issuance was approved, with 600 billion RMB planned for issuance[167]. Customer Deposits and Funding Sources - Customer deposits totaled 34,836.97 billion RMB at the end of 2024, up 3.9% year-over-year, with individual deposits increasing by 11.9%[70]. - The proportion of customer deposits from companies decreased to 48.4%, while individual deposits accounted for 49.4%[71]. - Interbank and other financial institution deposits and borrowings increased by RMB 12,211.07 billion, a growth of 36.2%[75]. Non-Interest Income and Expenses - Non-interest income for 2024 was CNY 148.721 billion, a decrease of CNY 2.724 billion or 1.8% year-over-year, accounting for 18.9% of total operating income[30]. - Net commission and fee income was CNY 109.397 billion, down CNY 9.960 billion or 8.3% from the previous year, with significant declines in personal wealth management and corporate finance[31]. - Total operating expenses rose to CNY 242.155 billion, an increase of CNY 3.457 billion or 1.4% year-over-year[33]. - Administrative expenses decreased by approximately 8.3%, contributing to a favorable cost-to-income ratio compared to peers[183]. Digital Transformation and Technology Investment - The company invested CNY 28.518 billion in financial technology in 2024, with 36,000 financial technology personnel, accounting for 8.6% of total employees[119]. - The digital banking services achieved a 99% digitalization rate in 2024, with mobile banking customers reaching 588 million and monthly active users exceeding 260 million, maintaining industry leadership[120]. - The AI-driven financial model "工銀智涌" was developed, enabling over 20 major business areas and 200 scenarios, with cumulative usage exceeding 1 billion times[115]. - The company launched the new mobile banking version 10.0 and the native HarmonyOS version, enhancing customer interaction with AI applications[120]. Green Finance and Sustainable Development - The bank's focus on green finance includes increasing support for strategic areas such as technology innovation and low-carbon transformation, enhancing ESG risk management throughout the investment process[97]. - By the end of 2024, the balance of green loans is projected to exceed 6 trillion yuan, supporting the green and low-carbon transformation of industries[83]. - The bank's "green loans" maintained the top position in the industry, while "specialized, refined, unique, and innovative" loans grew by over 54% compared to the beginning of the year[174]. Awards and Recognition - The company was recognized as "China's Best Consumer Credit Bank" and "Star of Wealth Management" by Global Finance[92]. - The company received multiple awards, including "Best Private Bank in China" and "Best Digital Private Bank in Asia," reflecting its strong market position and service quality[94]. - The company has been recognized for five consecutive years as an "Outstanding Member" and "Outstanding Custodian Bank" by the Shanghai Gold Exchange, maintaining the top position in both clearing amount and gold leasing scale[111]. Shareholder Information - The total number of ordinary shareholders as of the end of the reporting period is 644,591, with 104,939 H-share shareholders and 539,652 A-share shareholders[195]. - The top shareholder, Central Huijin Investment Ltd., holds 124,004,660,940 shares, representing 34.79% of the total shares[197]. - The Ministry of Finance is the second-largest shareholder, owning 110,984,806,678 shares, which accounts for 31.14% of the total shares[197].

Group 1 - The core point of the article is that the Industrial and Commercial Bank of China (ICBC) has applied for a patent related to a process information filtering method, aimed at improving the efficiency of filtering system processes before server shutdowns [1] - The patent application, titled "Method, Device, Medium, Electronic Equipment, and Program Product for Filtering Process Information," was filed on December 2024 and is published under CN 119669453 A [1] - The method involves obtaining information on currently running processes when a shutdown command is detected, and filtering this information using a target filter that includes an information summary algorithm and a Bloom filter [1] Group 2 - ICBC was established in 1985 and is headquartered in Beijing, primarily engaged in monetary financial services [2] - The company has a registered capital of approximately 35.64 billion RMB and a paid-in capital of 24.8 billion RMB [2] - ICBC has made investments in 30 enterprises, participated in 5,000 bidding projects, and holds 981 trademark records and 5,000 patent records [2]

Group 1 - The core viewpoint of the article is the collaboration between Shanxi Provincial Federation of Industry and Commerce and Industrial and Commercial Bank of China (ICBC) Shanxi Branch to promote high-quality development of private enterprises through a financial empowerment action plan [1][3] - The action plan aims to establish a closed-loop mechanism involving precise enterprise recommendations, targeted banking services, and policy collaboration to enhance financial support for private enterprises in Shanxi [1][3] - Over the next three years, the initiative will focus on a "dual breakthrough and one ecosystem" goal, creating customized financial services tailored to the needs of private enterprises in each city [1][3] Group 2 - The Shanxi Provincial Federation of Industry and Commerce and ICBC Shanxi Branch have been actively supporting the growth of private enterprises by providing more products, updated technologies, better services, and higher efficiency [3] - The leadership of ICBC Shanxi Branch emphasizes the commitment to solving financing difficulties faced by private enterprises and enhancing the financial service system across all stages and scenarios [3] - The initiative is expected to strengthen the financial support policies and ensure the healthy and high-quality development of the private economy in Shanxi [3]