监事会决议公告 证券代码：601398 证券简称：工商银行 公告编号：临 2024-041 号 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 2024 年 8 月 19 日以书 面形式发出会议通知，于 2024 年 8 月 30 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，黄 力监事委托张杰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 会成员共同推举张杰监事主持会议。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 半年度报告及摘要的议案 监事会审议认为，本行 2024 半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。 中国工商银行股份有限公司 议案表决情况：有效表决票 3 票，同意 3 票，反对 ...

Client Base and Market Position - The total number of corporate clients served by the bank exceeds 12.84 million, while individual clients reach 749 million[2]. - The bank has maintained its position as the top bank in the "Banker" magazine's Global 1000 ranking for twelve consecutive years[2]. - The number of corporate clients reached 12.8471 million, an increase of 788,400 clients since the end of the previous year[75]. - As of June, the number of personal customers reached 749 million, an increase of 8.93 million compared to the end of last year[85]. Financial Performance - Net interest income for the first half of 2024 was RMB 313.95 billion, a decrease of 6.8% from RMB 336.99 billion in the same period of 2023[17]. - Net fee and commission income decreased to RMB 67.41 billion, down 8.7% from RMB 73.47 billion year-on-year[17]. - Total operating income for the first half of 2024 was RMB 420.50 billion, a decline of 6.0% compared to RMB 447.49 billion in the first half of 2023[17]. - Operating profit for the first half of 2024 was RMB 196.42 billion, a slight decrease of 3.1% from RMB 202.88 billion in the same period of 2023[17]. - Net profit for the first half of 2024 was RMB 171.30 billion, down 2.4% from RMB 174.72 billion year-on-year[17]. - Basic earnings per share for the first half of 2024 remained stable at RMB 0.47, unchanged from the same period in 2023[16]. - The bank's total revenue for the first half of 2024 was RMB 420.50 billion, down from RMB 447.49 billion in the same period of 2023[74]. - The pre-tax profit for the first half of 2024 was RMB 197.18 billion, compared to RMB 203.66 billion in the first half of 2023[74]. Risk Management and Asset Quality - The bank aims to enhance its risk management capabilities and maintain asset quality as a priority[4]. - The bank's governance structure is focused on improving decision-making and governance effectiveness[4]. - The capital adequacy ratio stands at 19.16%, with a non-performing loan ratio of 1.35%, a decrease of 0.01 percentage points from the beginning of the year[23]. - The provision coverage ratio increased to 218.43%, up by 4.46 percentage points, with total provisions amounting to RMB 954.237 billion, enhancing risk resilience[23]. - The bank's credit risk management framework includes a three-gate and seven-color pool system for differentiated risk management[135]. - The bank is enhancing credit risk management by implementing a digital transformation strategy, including the upgrade of credit risk monitoring and warning platforms[137]. - The non-performing loan (NPL) amount is CNY 375.350 billion, with an NPL ratio of 1.35%, a decrease of 0.01 percentage points[139]. Digital Transformation and Innovation - The bank is committed to digital transformation and actively developing financial technology to improve operational efficiency[4]. - The bank's digital transformation in wealth management has been recognized, winning an award for excellence in data model algorithms[127]. - Digital business accounted for 98.9% of total operations in the first half of the year[104]. - The bank launched the new version 9.0 of its mobile banking app, enhancing market influence and customer satisfaction[104]. - The bank is focusing on enhancing its digital technology ecosystem, achieving multiple awards for its generative AI technology and open banking implementation[98]. Strategic Focus and Development - The bank's strategy includes expanding its international presence and leveraging both domestic and international markets[4]. - The bank emphasizes the importance of serving the real economy and meeting the evolving financial service needs of the public[4]. - The bank is focusing on supporting strategic emerging industries and major projects under the "14th Five-Year Plan," particularly in green finance and urban-rural integration[136]. - The bank is committed to building a high-level technology and data talent team to support its financial technology innovation[103]. Customer Service and Community Engagement - The bank organized 46,000 community service events, benefiting 2.7 million people in the first half of the year[108]. - The online service system "Xingnongtong" has served over 174 million rural customers, enhancing financial service levels in rural areas[106]. - The bank is actively promoting the convenience of payment for the elderly and has received regulatory recognition for its efforts in the elderly financial services sector[93]. Investment and Asset Management - The bank's investment portfolio increased by RMB 11.393 billion, or 9.6%, reaching RMB 129,889.22 billion[52]. - The total issuance of public wealth management products reached RMB 1,552,597 million, with 1,011 products issued, while private wealth management products totaled RMB 54,880 million from 190 products[128]. - The total assets of ICBC (Asia) for the first half of 2024 was USD 545.14 million, while ICBC International Holdings reported a net loss of USD 14.08 million[130]. Compliance and Risk Control - The bank's compliance management system has been strengthened, focusing on overseas compliance and emerging compliance themes[172]. - The bank is closely monitoring country risk exposures and has implemented measures to strengthen country risk management amid a complex external environment[178]. - The bank's operational risk management system has been continuously optimized, ensuring overall operational risk remains controllable[173].

● 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。 一、利润分配方案内容 经德勤华永会计师事务所（特殊普通合伙）和德勤·关黄陈方会计师行审阅， 截至 2024 年 6 月 30 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 1,704.67 亿元。经本行董事会审议，本行拟以 356,406,257,089 股普通股为基数向普通股股东派发 2024 年度中期股息。本次利 润分配方案如下：A 股及 H 股股权登记日为 2025 年 1 月 6 日，A 股派息日为 2025 年 1 月 7 日，H 股派息日为 2025 年 1 月 24 日。本行所派普通股股息以人民币计 值和宣布，以人民币或等值港币支付，港币折算汇率为本行审议批准 2024 年中 期利润分配方案的临时股东大会当日中国人民银行公布的人民币汇率中间价。本 次现金红利以 356,406,257,089 普通股为基数，每 10 股派发人民币 1.434 元（含 税），向普通股现金派息总额共计人民币 511.09 亿元。占归属于母公司股东净利 润的比例为 30.0%。 证券代码：601398 证券简称：工商银行 公告 ...

证券代码：601398 证券简称：工商银行 公告编号：临 2024-040 号 中国工商银行股份有限公司 董事会决议公告 三、关于提名王景武先生连任中国工商银行股份有限公司执行董事及继续 担任董事会专门委员会相关职务的议案 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 2024 年 8 月 30 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 13 名，亲自出 席 13 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》（简称《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 半年度报告及摘要的议案 议案表决情况：有效表决票 13 票，同意 13 票，反对 0 票，弃权 0 票。 本议案已经本行董事会审计委员会审议通过，全体成员同意提交董事会审 议。 具体内容请 ...

资本管理第三支柱 信息披露报告 2024半年度 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 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，市场风险采用标准法，操作风险采用标准法。 声明 本行已建立完善的资本管理第三支柱信息披露治理结构，由董事会批准并由高级管理层实施 有效的内部控制流程，对信息披露内容进行合理审查，确保第三支柱披露信息真实、可靠。本报 告已经本行高级管理层审核，并于2024年8月30日提交本行董事会审议通过。 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》及相关规定编 制并披露。 资本监管指标计算范围 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 | 6 | | 信用风险 | 12 | | 交易对手信用风险 | 1 ...

证券代码：601398 证券简称：工商银行 公告编号：临 2024-043 号 中国工商银行股份有限公司 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： 一、 召开会议的基本情况 至 2024 年 9 月 20 日 采用上海证券交易所网络投票系统，通过交易系统投票平台的投票时间 为股东大会召开当日的交易时间段，即 9:15-9:25,9:30-11:30，13:00- 1 股东大会召开日期：2024年9月20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 (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：中国工商银行股份有限公司（简称本行）董事会 (三) 投票方式：本次股东大会所采用的表决方式是现场投票和网络投票相结 合的方式 (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 20 日 14 点 50 分 召开地点：北京市西城区复兴门内大街 55 号本行总行 ...

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。 中國工商銀行股份有限公司 INDUSTRIAL AND COMMERCIAL BANK OF CHINA LIMITED （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 2024 中期業績公告 中國工商銀行股份有限公司（以下簡稱「本行」）董事會宣佈本行及其子公司（以下簡稱 「本集團」）截至2024年6月30日止未經審計中期業績。本行董事會及董事會審計委員會 已審閱並確認未經審計的中期業績。 1. 公司基本情況簡介 1.1 基本情況簡介 | | 證券簡稱 | 證券代碼 | 上市交易所 | | --- | --- | --- | --- | | A股 | 工商銀行 | 601398 | 上海證券交易所 | | H股 | 工商銀行 | 1398 | 香港聯合交易所有限公司 | | 境外優先股 | ICBC 20USDPREF | 4620 | 香港聯合交易所有限公 ...

Financial Performance - For the first half of 2024, net interest income decreased to RMB 313,950 million, down 6.8% from RMB 336,987 million in the same period of 2023[4] - Net fee and commission income was RMB 67,405 million, a decline of 8.8% compared to RMB 73,465 million in the first half of 2023[4] - Total operating income for the first half of 2024 was RMB 401,999 million, representing a decrease of 6.3% from RMB 428,906 million in the first half of 2023[4] - Net profit attributable to shareholders was RMB 170,467 million, down 1.5% from RMB 173,744 million in the same period of 2023[4] - The diluted earnings per share for the first half of 2024 was RMB 0.47, unchanged from the same period in 2023[4] - The company achieved operating revenue of CNY 401.999 billion and net profit of CNY 171.296 billion for the first half of 2024, with annualized average total asset return (ROA) at 0.75% and annualized weighted average equity return (ROE) at 9.53%[8] - The company reported a pre-tax profit of RMB 197.18 billion for the first half of 2024, down from RMB 203.66 billion in the same period of 2023, indicating a decline of 3.4%[29] - The company reported a net profit of CNY 171.30 billion in the first half of 2024, a decrease of 2.0% year-on-year, with an annualized return on total assets of 0.75% and a return on equity of 9.53%[11] Assets and Liabilities - Total assets as of June 30, 2024, reached RMB 47,116,536 million, an increase of 5.9% from RMB 44,697,079 million at the end of 2023[5] - The bank's total liabilities reached RMB 43,252,035 million, an increase of 5.4% from RMB 40,920,491 million at the end of 2023[5] - The bank's total liabilities increased to RMB 43,252,035 million from RMB 40,920,491 million, reflecting a rise of approximately 5.7%[100] - Total equity as of June 30 was CNY 38,645.01 billion, an increase of CNY 879.13 billion or 2.3% from the end of last year[59] Customer Loans and Advances - Customer loans and advances totaled RMB 27,837,550 million, up 6.7% from RMB 26,086,482 million at the end of 2023[5] - The average balance of customer loans and advances was CNY 27.18 trillion, with interest income from these loans at CNY 476.20 billion, reflecting a decrease in average yield by 43 basis points[16] - Corporate loans increased by CNY 13,704.63 billion, a growth of 8.5% year-over-year[35] - Personal loans rose by CNY 1,809.22 billion, marking a 2.1% increase from the previous year[36] - The balance of loans to the manufacturing sector was nearly RMB 4.4 trillion, with an increase of over RMB 500 billion since the beginning of the year, also leading the industry[68] Risk Management - The non-performing loan ratio improved to 1.35%, a decrease of 0.01 percentage points from the beginning of the year, while the provision coverage ratio increased to 218.43%, up by 4.46 percentage points[8] - The company enhanced its risk management framework, focusing on early identification and proactive control of risks, particularly in real estate and local government debt sectors[9] - The bank's loan impairment provision balance is RMB 81,857.30 million, with a coverage ratio of 218.43%, an increase of 4.46 percentage points from the previous year[42] - The overall NPL ratio for the bank's loans is stable, with a total NPL of RMB 375.35 million as of June 2024, compared to RMB 353.50 million at the end of December 2023[41] Capital and Dividends - The company plans to implement a mid-term cash dividend of CNY 51.109 billion, with a dividend payout ratio of 30.0%[8] - The company distributed a total cash dividend of RMB 109.2 billion for 2023, with a cash dividend per share of RMB 3.064, resulting in dividend yields of 6.51% for A-shares and 8.54% for H-shares[70] - The bank declared a cash dividend of RMB 3.064 per 10 shares for the fiscal year 2023, totaling approximately RMB 109.203 billion[93] - The board proposed an interim cash dividend of RMB 1.434 per 10 shares for the fiscal year 2024, amounting to approximately RMB 51.109 billion, pending shareholder approval[93] Digital Transformation and Innovation - The company emphasized digital transformation and modernization in its operations, aiming for a diversified structure and ecological foundation[8] - The bank is advancing its "Digital ICBC" initiative, with the release of the mobile banking version 9.0 and the application of large model technology across various business scenarios[10] - The bank's digital transformation efforts have been recognized, winning the "China Annual Digital Bank" award from "Finance" magazine[76] Customer Base Expansion - The company added 7.88 million corporate clients, 8.93 million personal clients, and 0.463 million inclusive finance clients, enhancing its customer base significantly[10] - The company aims to enhance support for key sectors such as advanced manufacturing and green finance to drive high-quality development[34] Investment and Financial Instruments - Investment interest income increased by 7.9% year-on-year to CNY 178.91 billion, driven by a 13.1% growth in average investment balance[18] - The total investment reached RMB 12,988.92 billion, a growth of 9.6% from the end of the previous year, with bonds accounting for RMB 12,471.82 billion, an increase of 9.8%[49] - The nominal amount of currency derivatives held by the company as of June 30, 2024, was RMB 9,474,752 million, with a fair value asset of RMB 122,781 million[121] Regulatory Compliance and Ratings - The bank maintained a credit rating of A from S&P and A1 from Moody's, consistent with previous ratings[5] - The core tier 1 capital ratio stood at 13.84%, while the total capital adequacy ratio was 19.16%, both meeting regulatory requirements[60] Shareholder Information - The total number of ordinary shareholders reached 613,766, with 106,884 H-share shareholders and 506,882 A-share shareholders[80] - Central Huijin Investment Co., Ltd. holds 124,004,660,940 A-shares, accounting for 34.79% of total shares[81]

证券代码：601398 证券简称：工商银行 公告编号：临 2024-038 号 关于召开 2024 年中期业绩说明会的公告 中国工商银行股份有限公司 二、业绩说明会召开的时间和方式 ● 投资者可于 2024 年 8 月 28 日（星期三）17:00 前将相关问题通过电子邮 件的形式发送至本行邮箱：QA@icbc.com.cn，或在会议召开时提问。 中国工商银行股份有限公司（简称本行）拟于 2024 年 8 月 30 日披露 2024 年中期业绩。为了便于广大投资者全面深入地了解本行 2024 年上半年业绩和经 营情况，本行拟于 2024 年 8 月 30 日召开业绩说明会。 一、业绩说明会类型 三、参加人员 刘珺行长、董事代表、部分高级管理层成员。 四、投资者参加方式 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： 本次业绩说明会将通过网络直播方式召开。 （一）会议召开时间：2024 年 8 月 30 日（星期五）18:30-19:30 五、联系人及咨询方式 本行投资者关系管理团队 电子邮箱 ...

中國工商銀行股份有限公司 董事會 中國，北京 2024年8月20日 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、陳怡芳女士和董陽先生；獨立非執行董事沈思先生、胡祖六先生、陳德霖先生、 赫伯特•沃特先生和莫里•洪恩先生。 董事會會議召開日期 中國工商銀行股份有限公司（「本行」）董事會（「董事會」）宣佈，本行將於2024年8月30 日（星期五）舉行董事會會議，以批准本行截至2024年6月30日止六個月的中期業績，以 及本行股息派發等事宜。 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。 中國工商銀行股份有限公司 INDUSTRIAL AND COMMERCIAL BANK OF CHINA LIMITED （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 ...