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 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日在北京市西城區復興門內 大街55號本行總行召開會議。會議應出席董事12名，親自出席12名。高級管理層成員 及監事會成員列席會議。會議的召開符合法律法規、《中國工商銀行股份有限公司章程》 （「《公司章程》」）以及《中國工商銀行股份有限公司董事會議事規則》（「《董事會議事規 則》」）的規定。 會議由廖林董事長主持召開。出席會議的董事審議通過了以下議案： 一、關於提名陳德霖先生為中國工商銀行股份有限公司獨立董事候選人的議 案 議案表決情況：有效表決票11票，同意11票，反對0票，棄權0票。 陳德霖先生因存在利害關係，迴 ...

經段紅濤先生確認，其與本行董事會無不同意見，亦無任何與其辭任有關的事項需要通 知本行股東及債權人，並已按照有關要求做好交接工作。 本行董事會對段紅濤先生在擔任上述職務期間對本行作出的貢獻表示感謝！ 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 關於副行長兼公司秘書辭任的公告 中國工商銀行股份有限公司（「本行」）收到段紅濤先生的辭呈。段紅濤先生因職務變動， 已於2025年6月起擔任本行黨委副書記，於2025年8月29日向本行提交辭呈，辭去本行 副行長、董事會秘書及公司秘書職務。 | | | | 原定任期 | | 是否存在 未履行完畢的 | | --- | --- | --- | --- | --- | --- | | 姓名 | 辭任職務 ...

新华财经北京8月29日电（记者翟卓 余蕊）中国工商银行29日公布的数据显示，2025年上半年实现营业 收入4090.82亿元，同比增长1.8%；净利润1688.03亿元；不良贷款率1.33%，下降0.01个百分点；拨备覆 盖率217.71%，较上年末上升2.80个百分点。 中国工商银行行长刘珺在当日举行的2025年中期业绩发布会上表示，作为一家超级规模的银行，工商银 行跟市场永远同频共振，并且精确地反应中国国民经济的增长状况。 "工商银行发挥的就是主力军、压舱石、稳定器作用。如果稳定器的速度是一个超常速度，那它的作用 可能不会发挥得特别好，所以我们始终认为，匀速或许是最快的，平衡或许是最好的，所以一直秉承这 个理念来推动工商银行的转型和进一步高质量发展。"刘珺说。 展望全年净利润情况，刘珺表示，工商银行将始终保持与国民经济同频共振、同向前进，也希望全年的 答卷比半年的数字又有一些进步，而且是扎扎实实的进步，是工商银行服务实体经济、有效防范化解风 险，进一步推进金融改革的年度答卷。 编辑：刘润榕 ...

北京商报讯（记者 宋亦桐）8月29日，工商银行（601398）召开2025年中期业绩发布会。谈及分红，工 商银行行长刘珺表示，2024年度现金分红是1098亿元，继续保持A股现金分红总额的最高上市公司，今 年仍计划实施中期分红，金额是504亿元，并且分红率继续稳定在30%以上。 ...

Market Overview - In August, the A-share market showed a strong upward trend, with the ChiNext Index rising over 24% and the Shanghai Composite Index surpassing 3800 points, reaching a 10-year high [1] - The STAR 50 Index experienced a significant increase of 28% during the month [1] Sector Performance - The main market focus was on computing power and semiconductor sectors, with stocks like Xinyisheng reaching historical highs and Industrial Fulian's market capitalization exceeding 1 trillion [1] - In the semiconductor sector, Cambrian's stock price doubled, surpassing Kweichow Moutai to become the "king" of A-shares [1] Individual Stock Highlights - Over 4000 stocks recorded monthly gains, with 14 stocks (excluding newly listed and ST stocks) rising over 100%, led by Gebijia from the Beijing Stock Exchange, which surged 155% [1] Bond Market Activity - In July, the bond market issued a total of 77,536.2 billion yuan in various bonds, including 12,226.5 billion yuan in government bonds and 13,496.8 billion yuan in corporate credit bonds [2][3] Banking Sector Performance - Industrial and Commercial Bank of China reported a net profit of 168.1 billion yuan for the first half of the year, a decrease of 1.4% year-on-year, with total assets exceeding 52 trillion yuan [4] - Bank of China announced a net profit of 117.59 billion yuan for the same period, down 0.9% year-on-year [5] - Agricultural Bank of China achieved a net profit of 139.5 billion yuan, reflecting a growth of 2.7% year-on-year [6] Corporate Financial Results - Hailiang Co. reported a net profit of 711 million yuan for the first half of the year, up 15.03% year-on-year, and proposed a cash dividend of 1 yuan per 10 shares [7] - Postal Savings Bank of China recorded a net profit of 49.23 billion yuan, a year-on-year increase of 0.85%, and proposed a cash dividend of 1.23 yuan per 10 shares [8] - Pianzaihuang's net profit decreased by 16.22% year-on-year to 1.442 billion yuan, with a proposed cash dividend of 14 yuan per 10 shares [9] - Haowei Group reported a net profit of 2.028 billion yuan, up 48.34% year-on-year [10] - Yuxin Technology achieved a net profit of 220 million yuan, reflecting a growth of 35.26% year-on-year [11]

Core Insights - The event aimed to address the financing difficulties faced by small and micro enterprises, focusing on practical solutions rather than large-scale presentations [1] - Customized financing solutions were prepared by bank managers, highlighting products suitable for light-asset small and micro enterprises, such as "tax loan" and "e-mortgage quick loan" [3] Group 1 - The event featured a lively exchange where entrepreneurs expressed challenges in obtaining loans due to lack of collateral, with bank managers demonstrating the application process for "tax loan" on-site [5] - A preliminary loan amount of 3 million yuan was assessed during the event, providing immediate relief for businesses [5] - The interaction established an efficient communication mechanism between banks and enterprises, leading to financing intentions being reached on the spot [5] Group 2 - The organization plans to continue hosting similar small-scale, targeted events to provide ongoing support for small and micro enterprises [5] - The focus will be on delivering precise solutions to various entrepreneurial challenges, ensuring that assistance reaches every business in need [5]

Financial Data and Key Indicator Changes - Total assets reached TWD 52 trillion, with loans exceeding TWD 30 trillion, an increase of TWD 1.8 trillion, and customer deposits nearly TWD 37 trillion, up by TWD 2.1 trillion [4] - Operating income was TWD 409.1 billion, up by 1.8% [4] - Net profit reached TWD 168.8 billion, maintaining a leading position [5] - Return on Assets (ROA) and Return on Equity (ROE) were 0.67% and 8.82% respectively, with a cost-to-income ratio of 25.27% [5] - Net Interest Margin (NIM) was 1.3%, a decrease, while the Capital Adequacy Ratio (CAR) was 19.54% [6] Business Line Data and Key Indicator Changes - Corporate loans increased by TWD 1.35 trillion, with personal loans maintaining rapid growth [8] - SciTech loans totaled TWD 6 trillion, up by 20%, while green loans exceeded TWD 6 trillion, up by 16.4% [8] - Pension finance loans increased by 17.3%, with over 2 million customers [9] - Loans invested in the manufacturing industry totaled TWD 200 billion, with long-term loans at TWD 2.4 trillion [9] Market Data and Key Indicator Changes - The number of personal customers in mobile banking and users in e-commerce continues to lead the market [9] - The international network reached 69 countries and regions, with over 400 overseas institutions [13] - Cross-border RMB business totaled TWD 5.1 trillion [12] Company Strategy and Development Direction - The company focuses on five transformations: intelligent risk control, modern layout, digital driver, diversified structure, and ecological foundation [3][10] - The strategy emphasizes high-quality development while supporting the economy's recovery [4] - The company aims to enhance its internationalization and diversification to tackle low NIM environments [35] Management's Comments on Operating Environment and Future Outlook - Management highlighted the importance of balancing growth with stability, aiming for average growth rather than excess [25][31] - The outlook for the second half of the year anticipates continued pressure on NIM, but with a narrowing pace of decline [64] - The company remains confident in its ability to maintain stable NIM and support the real economy [64] Other Important Information - The company distributed TWD 109.8 billion in cash dividends, with a dividend yield of approximately 4.25-4.58% [7][32] - The provision coverage ratio increased to 217.71%, enhancing risk resilience [6][29] Q&A Session Summary Question: Operational highlights in the first half and full year growth expectations - Management emphasized achieving positive growth in operating income and net profit, aligning with market trends and supporting the real economy [24][26] Question: Measures taken to maintain asset quality and increase personal consumption loans - Management detailed proactive credit risk management and a focus on major national strategies to ensure stable development [38][39] Question: Progress in internationalization and diversification - The company reported steady progress in its international network and diversification efforts, supporting foreign trade and capital [48][50] Question: Outlook on NIM stability - Management acknowledged a decline in NIM but expressed confidence in maintaining competitive advantages through effective asset-liability management [59][64] Question: Investment and financing sectors - The company highlighted targeted investments in technology finance and support for new productive forces, maintaining a leading position in the market [70][72] Question: Capital planning and future dividend policy - Management confirmed a focus on maintaining a strong capital adequacy ratio and a stable dividend payout ratio, with plans for future capital improvements [88][91]

Financial Data and Key Indicator Changes - Total assets reached TWD 52 trillion, with loans exceeding TWD 30 trillion, an increase of TWD 1.8 trillion, and customer deposits nearly TWD 37 trillion, up by TWD 2.1 trillion [4] - Operating income was TWD 409.1 billion, up by 1.8% [4] - Net profit reached TWD 168.8 billion, maintaining a leading position [5] - Return on Assets (ROA) and Return on Equity (ROE) were 0.67% and 8.82% respectively, with a cost-to-income ratio of 25.27% [5] - Non-Performing Loan (NPL) ratio was 1.33%, with a provision coverage ratio of 217.71%, indicating stable asset quality [6][30] Business Line Data and Key Indicator Changes - Corporate loans increased by TWD 1.35 trillion, with personal loans maintaining rapid growth [8] - SciTech loans totaled TWD 6 trillion, up by 20%, while green loans exceeded TWD 6 trillion, up by 16.4% [8] - Pension finance loans increased by 17.3%, with over 2 million customers [9] - Loans in the digital economy sector surpassed TWD 1 trillion, up by 19.3% [10] Market Data and Key Indicator Changes - The number of personal customers in mobile banking and users in e-commerce continued to lead the market [10] - The bank's international network reached 69 countries and regions, with over 400 overseas institutions [14] Company Strategy and Development Direction - The company focuses on five transformations: intelligent risk control, modern layout, digital driver, diversified structure, and ecological foundation [3][11] - Emphasis on supporting the real economy and aligning with national strategies [12][36] - Plans to enhance digital capabilities and optimize the diversified structure [21] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in achieving positive growth amid uncertainties, with a focus on maintaining stability and supporting the real economy [24][30] - The outlook for NIM is cautious, expecting a continued downward trend but with a narrowing pace [66] - The company aims to create stable and sustainable value returns for shareholders through high-quality development [21][92] Other Important Information - The company distributed TWD 109.8 billion in cash dividends, with a dividend yield of approximately 4.25-4.58% [7][33] - The bank's capital adequacy ratio was 19.54%, ranking among the leaders in the industry [90] Q&A Session Summary Question: What are the operational highlights in the first half and the outlook for the full year? - Management highlighted that ICBC achieved positive growth in operating income and net profit, aligning with market trends and supporting the real economy [24][26] Question: What measures were taken to maintain asset quality? - Management detailed measures including optimizing investment and loans, improving the risk control system, and enhancing intelligent risk control [40][42] Question: How did ICBC advance internationalization and diversification? - The company reported steady progress in international operations, with a focus on serving foreign trade enterprises and enhancing competitiveness [51][55] Question: What is the outlook for NIM? - Management indicated that while NIM is expected to continue declining, the pace may moderate due to effective asset-liability management [66] Question: What are the achievements in supporting new quality productive forces? - The bank reported significant growth in technology finance and green finance, with targeted loans supporting strategic industries [71][76] Question: What is the capital planning and future dividend policy? - Management confirmed a focus on maintaining a strong capital adequacy ratio and a stable dividend payout ratio, with plans for continued high dividend payments [90][92]

(本文来自第一财经) 工商银行在港交所公告，2025年上半年营业收入4090.82亿元，上年同期4019.99亿元；归母净利润 1681.03亿元，上年同期1704.67亿元。 ...

格隆汇8月29日丨工商银行(01398.HK)公告，2025上半年，集团资产负债均衡增长，发展韧性不断增 强。资产总额突破52万亿元，客户贷款、存款规模保持同业引领。实现营业收入4,090.82亿元、增长 1.8%，净利润1,688.03亿元，年化平均总资产回报率和年化加权平均权益回报率分别为0.67%和8.82%。 不良贷款率1.33%，下降0.01个百分点；资本充足率19.54%，拨备覆盖率217.71%，分别上升0.15、2.80 个百分点，稳健经营基础更加扎实。 2025年上半年，紧紧围绕"防风险、强监管、促发展"金融工作主线，在支持经济持续回升向好中推动自 身高质量发展，经营保持稳健发展态势。上半年实现净利润1,688.03亿元，同比下降1.5%，年化平均总 资产回报率0.67%，年化加权平均权益回报率8.82%。营业收入4,090.82亿元，增长1.8%。其中，利息净 收入3,135.76亿元，下降0.1%；非利息收入955.06亿元，增长8.5%。营业费用1,085.70亿元，增长3.2%， 成本收入比为25.27%。计提资产减值损失1,045.29亿元，增长2.4%。所得税费用302.05亿元 ...