目录 | 1 | 治理与可持续风险管理 | | --- | --- | | 02 | 公司治理 | | 03 | 可持续发展管理 | | 04 | 环境、社会及治理（ESG）风险 | | 05 | 气候风险管理 | | 06 | 廉洁工行建设 | | 2 | 科技金融 | | 07 | 建设"五专"服务体系 | | 09 | 支持专精特新"小巨人"企业 | | 09 | 服务战略性新兴产业 | | 3 | 绿色金融 | | 10 | 组织架构与机制建设 | | 11 | 绿色信贷 | | 11 | 绿色债券 | 12 其他绿色金融业务 4 普惠金融 5 养老金融 | ケア | | --- | | | | 6 数字金融 7 隐私与数据安全 8 消费者权益保护 9 人力资本发展 10 可持续发展绩效 14 支持小微企业 16 助力乡村振兴 18 提高金融服务可得性 20 组织架构与机制建设 21 养老金金融 22 养老服务金融 23 养老产业金融 24 数字工行建设 27 支持数字经济发展 29 个人客户对数据的控制权 30 数据安全管理体系 30 网络安全政策和系统审计 31 数据安全与隐私保护风险培训 32 ...

证券代码：601398 证券简称：工商银行 公告编号：临 2025-036 号 2025 年 9 月 30 日，中国工商银行股份有限公司（简称本行）正式发布《中 国工商银行股份有限公司 2025 半年度社会责任与可持续金融专题报告》（简称专 题报告）。这是本行连续第五年发布半年度社会责任相关专题报告。报告分为治 理与可持续风险管理、科技金融、绿色金融、普惠金融、养老金融、数字金融、 隐私与数据安全、消费者权益保护、人力资本发展、可持续发展绩效十个部分， 全面展示了本行上半年相关工作成效，重要数据和指标经过第三方鉴证。 2025 年上半年，本行深入贯彻落实中央金融工作会议精神，围绕服务金融强 国建设、推动金融高质量发展，明确"建设中国特色世界一流现代金融机构"目 标，着力做精做深金融"五篇大文章"，立足"以领军银行姿态当好服务实体经 济的主力军、维护金融稳定的压舱石、建设强大机构的领头雁、做专主责主业的 标杆行"的战略定位，深入践行金融工作的政治性、人民性，持续推进智能化风 控、现代化布局、数字化动能、多元化结构、生态化基础"五化"转型，充分发 挥金融力量，促进经济、环境、社会协调可持续发展。 特此公告。 中国 ...

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 8 月 29 日批准聘 任副行长姚明德先生兼任本行首席财务官。今日，本行收到《国家金融监督管理 总局关于姚明德工商银行首席财务官任职资格的批复》（金复〔2025〕579 号）。 根据有关规定，国家金融监督管理总局已核准姚明德先生兼任本行首席财务官的 任职资格。姚明德先生兼任本行首席财务官的任职已生效。 姚明德先生的简历请参见本行在《中国证券报》《上海证券报》《证券时报》 《经济参考报》和上海证券交易所网站（www.sse.com.cn）刊登的日期为 2025 年 8 月 29 日的《中国工商银行股份有限公司董事会决议公告》。 特此公告。 中国工商银行股份有限公司董事会 证券代码：601398 证券简称：工商银行 公告编号：临 2025-035 号 中国工商银行股份有限公司 关于首席财务官任职资格获核准的公告 二〇二五年九月三十日 ...

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 田楓林先生的簡歷請參見本行日期為2025年8月29日的董事會決議公告。 中國工商銀行股份有限公司（「本行」）董事會於2025年8月29日批准聘任高級業務總監田 楓林先生兼任本行董事會秘書。今日，本行收到《國家金融監督管理總局關於田楓林工 商銀行董事會秘書任職資格的批覆》（金覆〔2025〕577號）。根據有關規定，國家金融監 督管理總局已核准田楓林先生兼任本行董事會秘書的任職資格。田楓林先生兼任本行董 事會秘書的任職已生效。 關於董事會秘書任職資格獲核准的公告 中國工商銀行股份有限公司 董事會 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、 曹利群女士、董陽先生和鐘蔓桃女士； ...

Investment Rating - The investment rating for the company is "Accumulate" (maintained) [1] Core Views - The report highlights that the decline in net interest margin has narrowed, and asset quality remains stable [1] - The company achieved operating income of 427.09 billion yuan (+1.57% YoY) and net profit attributable to ordinary shareholders of 168.10 billion yuan (-1.39% YoY) in the first half of 2025 [5] - The non-performing loan (NPL) ratio is stable at 1.33%, with a provision coverage ratio of 217.71% [5][6] - The report anticipates that the pressure on net interest margin will ease, and commission income is expected to recover further [8] Summary by Sections Financial Performance - In H1 2025, total assets reached 52.32 trillion yuan (+11.04% YoY), with total loans of 30.19 trillion yuan (+8.44% YoY) [5] - The second quarter's net interest margin was 1.27%, reflecting a decrease of 6 basis points QoQ and 11 basis points YoY [5] - The company’s operating income and net profit forecasts for 2025-2027 are 829.2 billion yuan, 834.4 billion yuan, and 887.3 billion yuan respectively, with net profit forecasts of 369.5 billion yuan, 375.8 billion yuan, and 383.5 billion yuan [7][8] Asset Quality - The NPL ratio remains stable at 1.33%, with a slight increase in overdue rates observed [5][6] - The report indicates that individual loan quality is manageable, supported by a solid customer base and prudent risk management [6] Business Outlook - The report suggests that the company will maintain a strong position in the industry, with expectations for stable growth in commission income due to improved market activity [8] - The company is expected to benefit from government support and a solid customer base, which will help it navigate the challenging operating environment [8]

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 截至月份: 2025年9月30日 狀態: 新提交 FF301 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9月30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 | | 86,794,044,5 ...

Core Insights - The event "Focusing on Financial Empowerment to Promote the Development of Private Enterprises" was held by the Industrial and Commercial Bank of China (ICBC) Shanghai Branch, aiming to inject new momentum into the high-quality development of Shanghai's private economy through targeted financial services [1] - Individual businesses are recognized as the "capillaries" of the private economy, playing a crucial role in enhancing regional economic vitality [1] Customized Financial Products - ICBC Shanghai Branch launched the "2025 Exclusive Financial Service Plan for Individual Businesses," focusing on the entire lifecycle of individual business operations [3] - The service framework includes three main areas: "financing, wealth management, and value-added services," with specific initiatives in "product innovation, preferential interest rates, dedicated service guarantees, and embedded unique scenarios" [3] - The plan aims to create an integrated service loop for individual businesses encompassing "account opening, financing, settlement, and wealth management," achieving both operational security and wealth enhancement [3] Collaborative Mechanisms - A collaborative mechanism was established, including an "information sharing platform, policy implementation channels, and financial service teams" to provide efficient and convenient financial services [4] - The information sharing platform aims to create accurate credit profiles for individual businesses, addressing financing barriers caused by information asymmetry [4] - ICBC has formed 28 "Inclusive Youth Pioneer Teams" to provide dedicated customer managers directly in business areas, enhancing service efficiency and convenience for individual businesses [4] Integrity-Based Ecosystem - The "integrity-based ecosystem" initiative links the creditworthiness of individual businesses with financial services, encouraging merchants to prioritize credit building [5] - The "Financial Support to Stimulate Consumption Vitality Initiative" was launched, focusing on four directions: practicing integrity in business, enhancing credit data utilization, innovating credit consumption ecosystems, and optimizing convenient service scenarios [5] - This initiative aims to create a virtuous cycle where "integrity in business leads to financial support, financial support drives customer growth, and customer growth strengthens business confidence," thereby fostering a supportive environment for individual businesses and stimulating consumption in Shanghai [5] Future Directions - ICBC Shanghai Branch plans to continue integrating financial products with the operational scenarios of individual businesses, enhancing service capabilities, product innovation, and service efficiency [5] - The bank aims to contribute to the high-quality development of Shanghai's private economy and the creation of a world-class business environment [5]

Core Viewpoint - The article highlights the evolution and success of the Industrial and Commercial Bank of China (ICBC) Jinan Daguan Garden Branch over 30 years, showcasing its innovative service model and commitment to customer satisfaction, which has set a benchmark in the financial industry [1][15]. Group 1: Service Innovation - The branch pioneered "smiling service" in 1994, transforming customer interactions and setting a new standard for the banking industry [2][3]. - The "two cents for ten thousand" story exemplifies the branch's commitment to customer service, leading to a significant increase in customer loyalty and deposits [2][3]. - Over ten years, the branch expanded its services beyond basic transactions to include pension distribution and utility bill payments, significantly increasing its deposit balance from over 100 million yuan in 1995 to nearly 3 billion yuan by 2005 [4]. Group 2: Brand Development - The branch developed a "three-feature" service system in 2008, enhancing its service offerings to meet diverse customer needs and achieving a customer satisfaction rate of over 99% [6][7]. - By 2013, the branch's deposits exceeded 6 billion yuan, and loans reached nearly 5 billion yuan, reflecting its strong brand presence in the Jinan financial sector [9]. Group 3: Technological Integration - In 2018, the branch launched the "three new" service initiatives, integrating technology with traditional banking services to enhance customer experience [10][11]. - The introduction of smart teller machines and personalized assistance for elderly and disabled customers exemplifies the branch's commitment to making technology accessible [10][11]. Group 4: Cultural and Community Engagement - The branch has integrated political and ideological work with brand building, establishing a "Party Member Service Pioneer Team" to promote financial literacy in the community [9][14]. - The branch's community initiatives, such as financial knowledge workshops and support for local businesses, have strengthened its reputation as a socially responsible institution [12]. Group 5: Future Directions - Looking ahead, the branch plans to deepen its "intelligent service" offerings, explore AI integration, and enhance green finance services to support regional economic transformation [15]. - The branch aims to evolve into a symbol of quality service and community support, striving towards becoming a century-old brand [15].

Core Insights - The article highlights the proactive role of the Industrial and Commercial Bank of China (ICBC) Shenzhen Branch in supporting technology-driven enterprises, emphasizing its commitment to inclusive finance and innovation in financial services [1][9]. Group 1: Mechanism and Policy - ICBC Shenzhen Branch integrates into local government networks for small and micro financing, facilitating efficient financing services through initiatives like "thousand enterprises and ten thousand households visits" [2]. - The bank recognizes the challenges faced by small and micro technology enterprises, particularly in funding shortages, and elevates the service to a strategic level to ensure precise implementation of inclusive finance policies [1][2]. Group 2: Product Innovation - The bank has developed a range of tailored financial products, including "Park e-loan" and "Xingke loan," to meet the unique needs of technology enterprises characterized by light assets and high growth [3][4]. - A specific case is highlighted where a technology company benefited from a 10 million yuan loan through the "Park e-loan" product, showcasing the bank's efficiency in addressing short-term funding pressures [3]. Group 3: Digital Empowerment - ICBC Shenzhen Branch focuses on digital transformation to enhance the efficiency and experience of inclusive financial services, employing AI and other technologies to streamline processes [4][5]. - The bank has implemented a unified intelligent marketing portal, significantly reducing the time required for loan approvals and enhancing service delivery for over 3,000 small enterprises [5]. Group 4: Long-term Partnership - The bank emphasizes a long-term partnership approach, illustrated by its ongoing support for a technology company since 2010, which has led to significant growth and recognition as a national-level "little giant" enterprise [7]. - The bank's commitment to supporting rural revitalization is also noted, with specific initiatives aimed at enhancing agricultural innovation and market expansion [8]. Group 5: Future Outlook - Looking ahead, ICBC Shenzhen Branch aims to deepen its integration into the national innovation system, continuously enriching its inclusive finance offerings and expanding its service boundaries to foster technological innovation in the Greater Bay Area [9].

基于付老板良好的信用记录和稳定的经营基础，工商银行泰安分行精准推荐了"线上普惠贷"系列产品。 该产品依托数字化风控模型，具有审批快、利率优、放款迅速、随借随还等特点，真正实现"数据多跑 路、客户少跑腿"。 2025年9月，秋意渐浓，齐鲁大地的田野间一派繁忙景象。在泰安市岱岳区，种植大户付老板正忙着为 即将到来的粮食收购季做准备。作为当地为数不多的粮食种植专业大户，他从事粮食种植与购销已有十 余年，凭借丰富的种植经验和科学管理，在周边享有良好口碑。然而，随着新一批粮食收购任务临近， 资金周转问题一度让他犯了难。 "粮食收购季节性强，必须提前备足资金，否则很容易错失优质粮源。"付老板坦言，尽管自己经营稳 定、信誉良好，但传统融资方式流程长、手续多，难以满足快速放款和灵活用款的需求。 就在他一筹莫展之际，山东农担公司泰安管理中心工作人员主动对接，在了解其资金需求后，第一时间 联系工商银行泰安分行客户经理，迅速组成联合服务小组，上门开展实地调查。工作人员深入田间地 头，详细了解付老板的种植规模、收成情况、销售渠道及融资诉求，现场评估其经营状况与发展潜力。 从申请到审批，再到资金到账，整个流程仅用数个工作日，40万元贷 ...