Dividends and Profit Distribution - The bank proposed a cash dividend of RMB 1.208 per 10 shares for the 2024 interim period, pending shareholder approval[6]. - The total cash dividend distributed for the 2023 fiscal year amounted to approximately RMB 69.593 billion, at RMB 2.364 per 10 shares[6]. - The company emphasizes a profit distribution policy that mandates at least 10% of the after-tax profit attributable to ordinary shareholders to be distributed in cash dividends, barring special circumstances[183]. - The company approved a profit distribution plan for 2023, allocating approximately RMB 20.824 billion to statutory surplus reserves and RMB 40.468 billion to general reserves, with a cash dividend of RMB 2.364 per 10 shares, totaling around RMB 69.593 billion before tax[185]. - The board proposed a mid-term cash dividend of RMB 1.208 per 10 shares for 2024, pending shareholder approval, with expected payment dates for A-shares on January 23, 2025, and H-shares on February 19, 2025[185]. - The company approved a dividend distribution plan for the second phase of overseas preferred shares, with a total payout of approximately USD 10.15 million (after tax) at a dividend rate of 3.60% (after tax) scheduled for March 4, 2024[185]. - The third phase of domestic preferred shares will have a total dividend payout of RMB 3.285 billion (before tax) at a rate of 4.50% (before tax) on June 27, 2024, and the fourth phase will have a payout of RMB 1.1745 billion (before tax) at a rate of 4.35% (before tax) on August 29, 2024[185]. Financial Performance - Net interest income for the first half of 2024 was RMB 226,760 million, a decrease of 3.5% compared to RMB 233,992 million in the same period of 2023[9]. - Total operating income for the first half of 2024 was RMB 317,929 million, slightly down from RMB 319,707 million in the first half of 2023[9]. - The bank's net profit attributable to shareholders for the first half of 2024 was RMB 118,601 million, compared to RMB 120,095 million in the same period of 2023, reflecting a decrease of 1.2%[9]. - The group achieved operating income of CNY 317.929 billion and net profit after tax of CNY 126.536 billion in the first half of the year[13]. - In the first half of 2024, the group achieved a net profit of RMB 126.54 billion, a decrease of 0.90% year-on-year[20]. - The group's net interest income for the first half of 2024 was RMB 226.76 billion, down 3.09% from the previous year[22]. Risk Management - The bank is actively managing various risks, including credit risk from borrowers and market price fluctuations, while ensuring compliance with regulatory requirements[6]. - The bank's management emphasizes the importance of risk awareness among investors regarding forward-looking statements and future plans[6]. - The non-performing loan ratio remained stable at 1.24% as of June 30, 2024, unchanged from the previous quarter[9]. - The non-performing loan coverage ratio stood at 201.69%, demonstrating effective risk management practices[17]. - The company is focusing on optimizing credit structure and enhancing credit risk management policies to improve asset quality and risk management effectiveness[114]. - The company has established a comprehensive credit risk management system to enhance the identification, warning, exposure, and resolution of potential risks[114]. - The company is implementing a unified credit granting approach to strengthen credit risk management across all business lines[114]. Asset and Liability Management - The total assets of the bank reached RMB 33,907,267 million as of June 30, 2024, an increase of 4.5% from RMB 32,432,166 million at the end of 2023[9]. - Customer loans totaled RMB 21,142,830 million, up 5.9% from RMB 19,961,779 million at the end of 2023[9]. - The total liabilities increased to RMB 31,128.29 billion, up from RMB 29,675.35 billion at the end of 2023[34]. - The average balance of customer loans increased to CNY 20,587,933 million in the first half of 2024[26]. - The average balance of customer deposits rose to CNY 23,037,568 million, with interest expenses of CNY 236,382 million and an average interest rate of 2.06%[26]. Digital Transformation and Innovation - The number of active users of the personal mobile banking app grew by 9.98% year-on-year, highlighting the success of digital financial services[14]. - The monthly active users of the personal mobile banking app peaked at 90 million, reflecting a strong customer engagement[57]. - The bank is focused on digital transformation, enhancing customer experience through a seamless online service and launching a digital RMB section in the BoC Pay app[91]. - The bank has implemented a unified data labeling center to enhance data analysis applications, focusing on precision marketing and fraud prevention[57]. - The bank launched a new generation of bill pool systems to enhance bill trading service capabilities, supporting digital transformation in transaction banking[65]. Corporate Governance - The bank's board includes 12 directors, with a mix of executive and independent members, ensuring diverse governance[168]. - The company continues to enhance corporate governance mechanisms, aligning with capital market regulations and conducting self-assessments[176]. - The company emphasizes the protection of shareholders' rights to information, participation, and decision-making[177]. - The board of directors organized training for continuous professional development, improving decision-making efficiency[178]. - The company has established various specialized committees under the board to assist in fulfilling its responsibilities, with independent directors chairing key committees[178]. Sustainable Finance and Green Initiatives - The balance of green credit increased by 39.77% year-on-year, reflecting the company's commitment to sustainable finance[14]. - The bank's green finance action plan includes specific measures to guide funding towards renewable energy and environmental protection sectors[143]. - The bank's risk management strategy emphasizes proactive measures to address market changes and enhance compliance capabilities[141]. - The bank has not provided financing for new coal mining and coal power projects outside of China since Q4 2021, with no new financing for such projects as of June 2024[146]. - The bank invested over RMB 37 million in the first half of 2024 to support poverty alleviation projects in four designated counties in Shaanxi Province[149]. Shareholder Information - As of June 30, 2024, the total number of ordinary shares is 294,387,791,241, consisting of 210,765,514,846 A-shares (71.59%) and 83,622,276,395 H-shares (28.41%)[156]. - The largest shareholder, Central Huijin Investment Ltd., holds 188,791,906,533 A-shares, representing 64.13% of the total A-shares issued[163]. - The second-largest shareholder, Hong Kong Central Clearing Limited, holds 81,769,959,608 H-shares, accounting for 27.78% of the total H-shares issued[163]. - As of June 30, 2024, the total number of ordinary shareholders is 588,043, comprising 421,595 A-share shareholders and 166,448 H-share shareholders[158]. - The total number of shares held by the top ten ordinary shareholders is significant, with the first two shareholders alone holding over 91% of the total[163].

Financial Reports and Approvals - The Board of Directors approved the 2024 interim financial report with unanimous support from all 13 attending members[1]. - The 2024 interim profit distribution plan was also approved, ensuring compliance with legal regulations and company articles[3]. - The company has revised its "14th Five-Year" financial technology plan and comprehensive risk management strategy for 2024, receiving unanimous approval[4]. - The performance assessment plan for the Chairman and senior management for 2024 was approved, with 12 votes in favor and no opposition[5]. - The company will hold its second extraordinary general meeting in 2024, with all proposals receiving unanimous support[6]. Donations and Social Responsibility - The company plans to increase its external donation budget by RMB 12 million, with specific allocations including RMB 27 million for a cataract project and RMB 11.25 million for an innovation award in Hong Kong[4]. Legal and Administrative Matters - The Board approved the appointment of a representative to accept legal documents in Hong Kong, effective from August 29, 2024[6].

Dividend Distribution - Bank of China approved the distribution of domestic preferred stock dividends with a total payout of RMB 3.285 billion, including a 4.5% dividend rate for RMB 3.285 billion on June 27, 2024, and a 4.35% dividend rate for RMB 1.1745 billion on August 29, 2024[2]. - The bank's mid-year profit distribution plan for 2024 will allocate no more than 30% of the net profit attributable to shareholders for dividends, subject to the availability of distributable profits[4]. - The bank's independent non-executive directors confirmed that the proposed dividend distribution and profit allocation plans comply with legal regulations and do not harm the interests of the bank and its shareholders[2][4]. Bond Issuance - The bank plans to issue bonds in domestic and international markets, with a net new issuance limit not exceeding 1% of the latest audited total assets, which amounts to RMB 32.43 billion[3]. Corporate Governance - The bank's board of directors has nominated Liu Jin and Lin Jingzhen for reappointment as executive directors, with the nominations complying with legal and regulatory requirements[5][6]. - The bank's management has revised the insider information management regulations for 2024, which will be published on the Shanghai Stock Exchange website[7]. Financial Reporting - The board approved the first quarter report for 2024, which will be published on the bank's official website and the Hong Kong Stock Exchange[1]. - The bank's third pillar information disclosure report for the first quarter of 2024 has been approved and will be published on the bank's official website[9]. Annual General Meeting - The bank will hold the 2023 annual general meeting to discuss various proposals, including the green finance and inclusive finance plans for the 14th Five-Year Plan[8].

Financial Performance - For Q1 2024, the operating income was RMB 161,038 million, a decrease of 3.12% compared to the same period last year[2]. - The net profit after tax for Q1 2024 was RMB 59,973 million, down 2.84% year-on-year[2]. - In Q1 2024, the group achieved a net profit of RMB 59.973 billion, a decrease of 2.84% year-on-year, with profit attributable to shareholders at RMB 55.989 billion, down 2.90%[13]. - The company's net profit for Q1 2024 was RMB 59,973 million, a decrease of 2.7% compared to RMB 61,725 million in Q1 2023[20]. - Total comprehensive income for Q1 2024 reached RMB 68,575 million, up 20.5% from RMB 56,900 million in Q1 2023[20]. - The company reported a pre-tax profit of RMB 71,897 million for Q1 2024, down from RMB 79,281 million in Q1 2023, a decline of 9.4%[23]. Cash Flow and Liquidity - The net cash flow from operating activities was RMB 3,240 million, a significant decline of 99.34% compared to RMB 4,887,590 million in the same period last year[3]. - The net cash flow from operating activities for Q1 2024 was RMB 3,240 million, a significant decrease compared to RMB 488,759 million in Q1 2023[23]. - Cash and cash equivalents rose significantly to RMB 861,316 million from RMB 568,855 million, indicating a growth of 51.3%[21]. - Cash flow from investment activities for Q1 2024 was a net outflow of RMB 148,016 million, an improvement from RMB 177,221 million in Q1 2023[24]. - Cash flow from financing activities showed a net inflow of RMB 52,762 million in Q1 2024, a turnaround from a net outflow of RMB 90,625 million in Q1 2023[24]. - The cash and cash equivalents at the end of Q1 2024 amounted to RMB 2,416,045 million, compared to RMB 2,301,936 million at the end of Q1 2023, reflecting an increase of approximately 5%[24]. Assets and Liabilities - The total assets as of March 31, 2024, amounted to RMB 33,659,046 million, reflecting a 3.78% increase from the end of 2023[2]. - The total assets of the group reached RMB 33,659.046 billion, an increase of RMB 12,268.80 billion or 3.78% compared to the end of the previous year[15]. - The group’s total liabilities amounted to RMB 30,874.854 billion, an increase of RMB 11,995.03 billion or 4.04% from the previous year-end[15]. - Total liabilities increased to RMB 30,874,854 million as of March 31, 2024, compared to RMB 29,675,351 million at the end of 2023, marking a rise of 4.0%[22]. Shareholder Information - As of March 31, 2024, the total number of ordinary shareholders was 586,151, including 418,478 A-share shareholders and 167,673 H-share shareholders[5]. - The largest shareholder, Central Huijin Investment Ltd., held 64.13% of the shares, totaling 188,791,906,533 shares[6]. - The top ten shareholders accounted for a significant portion of the total shares, with the second-largest shareholder holding 27.77%[6]. - The number of preferred shareholders as of March 31, 2024, was 82, including 81 domestic and 1 foreign preferred shareholder[10]. Income and Expenses - The group reported a net interest income of RMB 112.712 billion, a decrease of RMB 4.622 billion or 3.94% year-on-year, with a net interest margin of 1.44%[14]. - Non-interest income was RMB 48.326 billion, down RMB 5.57 billion or 1.14%, accounting for 30.01% of total operating income[14]. - The group’s operating expenses increased to RMB 54.293 billion, up RMB 6.46 billion or 1.20% year-on-year[14]. Capital and Ratios - The weighted average return on equity (ROE) was 9.86%, a decrease of 1.28 percentage points year-on-year[2]. - The group’s capital adequacy ratio stood at 18.52%, with a core tier 1 capital adequacy ratio of 12.02%[13]. - The non-performing loan ratio improved to 1.24%, a decrease of 0.03 percentage points from the end of last year, with a non-performing loan coverage ratio of 199.94%, up 8.28 percentage points[15]. Other Comprehensive Income - The company’s other comprehensive income for Q1 2024 was RMB 8,602 million, a significant recovery from a loss of RMB 4,825 million in Q1 2023[20].

Bank Performance and Rankings - Bank of China ranked 4th in the Global 1000 Banks list by The Banker and 49th in the Fortune Global 500 list[9]. - The bank aims to strengthen its global layout capabilities and improve market competitiveness as part of its strategic goals[3]. - The bank has received multiple awards, including the Best ESG Bank in China and recognition for its blockchain project[10]. Financial Performance - Net interest income for 2023 was RMB 466,545 million, an increase from RMB 459,266 million in 2022, representing a growth of 0.6%[14]. - Non-interest income rose to RMB 157,593 million in 2023, up 23.8% from RMB 127,195 million in 2022[14]. - Total operating income reached RMB 624,138 million, reflecting an increase of 6.4% compared to RMB 586,461 million in the previous year[14]. - The net profit attributable to shareholders was RMB 231,904 million, a rise of 2.0% from RMB 226,522 million in 2022[14]. - Basic earnings per share increased to RMB 0.74, compared to RMB 0.72 in the previous year, marking a growth of 2.8%[14]. Asset and Liability Management - Total assets increased to RMB 32,432,166 million, a growth of 12.0% from RMB 28,893,548 million in 2022[14]. - Customer loans amounted to RMB 19,961,779 million, up 13.7% from RMB 17,552,761 million in 2022[14]. - Customer deposits grew to RMB 22,907,050 million, an increase of 13.4% from RMB 20,201,825 million in 2022[14]. - The capital adequacy ratio stood at 17.74%, slightly up from 17.52% in the previous year[14]. Risk Management - The bank's focus on risk management and capital management is highlighted in its financial review[6]. - The company is facing risks from macroeconomic conditions and geopolitical changes, including credit risk and market price fluctuations[12]. - The bank has established a comprehensive risk control system to ensure stable operations and improve risk management capabilities in financial markets[127]. - The group is focused on enhancing credit risk management by optimizing credit structures and improving asset quality management to better support key sectors and the real economy[174]. Digital Transformation and Technology - The bank is committed to developing technology finance, green finance, and digital finance as part of its strategic initiatives[3]. - Monthly active users of mobile banking approached 90 million, indicating continuous optimization of mobile banking functions[25]. - The bank's technology line employed 14,541 staff, accounting for 4.74% of the total workforce, with a technology investment of CNY 22.397 billion, representing 3.60% of operating income[168][169]. Social Responsibility and Sustainability - The bank emphasizes the importance of serving the real economy and maintaining financial stability as its core mission[3]. - The bank's commitment to social responsibility is reflected in its various awards for green development and corporate social responsibility[10]. - The company aims to become the preferred bank for green financial services, optimizing its governance structure for green finance[84]. Customer Engagement and Services - The number of corporate online banking customers reached 8.19 million by the end of 2023, a growth of 13.31% year-on-year[101]. - The bank's personal financial business generated revenue of CNY 244.64 billion in 2023, an increase of 7.64% year-on-year[117]. - The bank's total individual customers in mainland China exceeded 525 million, marking a growth of 3.80% year-on-year[117]. International Expansion - Bank of China operates in 64 countries and regions, enhancing its global service network[2]. - The bank has expanded its global presence with new branches in Riyadh, Saudi Arabia, and a representative office in Papua New Guinea, covering 64 countries and regions[19]. - The bank's international settlement volume for the year was approximately USD 8 trillion[19]. Governance and Compliance - The bank's governance structure includes a board of directors and supervisory board to ensure compliance and effective management[5]. - The financial report for 2023 was audited by PwC and Deloitte, both issuing unqualified opinions[12]. - The bank has implemented a comprehensive internal control system, enhancing risk warning and prevention measures across all levels of management[200].

中國銀行股份有限公司 股份代號： 3988（H股普通股） 4619（境外優先股） 2023年年度報告 2024年4月本行2023年年度報告的印刷版本將取代此版本。 中國銀行簡介 ...

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的內容概不負責，對其準確性 或完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何部分內容而產生或因倚 賴該等內容而引致之任何損失承擔任何責任。 中 國 銀 行 股 份 有 限 公 司 BANK OF CHINA LIMITED （於中華人民共和國註冊成立的股份有限公司） （「本行」） （股份代號：3988及4619（優先股）） 2023 年年度業績公告 本行董事會欣然宣佈本行及其附屬公司截至2023年12月31日止之經審計業績。 本公告列載本行2023年年度報告全文，並符合香港上市規則中有關年度業績 初步公告附載的資料之要求。本行2023年年度報告的印刷版本將於2024年4月 下旬寄發予本行H股股東，並可於其時在香港交易及結算所有限公司的網站 www.hkexnews.hk 及本行的網站www.boc.cn 閱覽。 中國銀行簡介 中國銀行是中國持續經營時間最久的銀行。1912年2月正式成立，先後行使中央銀 行、國際匯兌銀行和國際貿易專業銀行職能。1949年以後，長期作為國家外匯外 貿專業銀行，統一經營管理國家外匯，開展國際貿易結算、僑匯和其他非 ...

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文件的內容概不負責，對其準確性 或完整性亦不發表任何聲明，並明確表示，概不對因本文件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。 中國銀行股份有限公司 BANK OF CHINA LIMITED （於中華人民共和國註冊成立的股份有限公司） （「本行」） （股份代號：3988及4619（優先股）） 2023年第三季度報告 本行董事會欣然宣佈本行及其附屬公司（「本集團」或「集團」）截至2023年9月 30日止第三季度的未經審計業績。本公告乃根據《證券及期貨條例》（香港法 例第571章）第XIVA部及香港聯合交易所有限公司證券上市規則第13.09條而 作出。 1 一、 主要財務數據 1.1 基於國際財務報告準則編製的主要會計數據和財務指標 | --- | --- | --- | --- | --- | --- | --- | |-------|-------------|-------------|------------------|-------------|-------------|----------------------- ...

中國銀行股份有限公司 中國銀行股份有限公司 2023 中期報告 2023 中期報告 中國銀行股份有限公司 中國銀行股份有限公司 （於中華人民共和國註冊成立的股份有限公司） （於中華人民共和國註冊成立的股份有限公司） 中國北京市西城區復興門內大街1號 100818 電話：(86) 10-6659 6688 傳真：(86) 10-6601 6871 客服及投訴電話：(86) 區號-95566 www.boc.cn 中國北京市西城區復興門內大街1號 100818 電話：(86) 10-6659 6688 傳真：(86) 10-6601 6871 客服及投訴電話：(86) 區號-95566 www.boc.cn 中期報告 中期報告 中期報告 中期報告 股份代號 : 3988 / 4619中國銀行股份有限公司 （於中華人民共和國註冊成立的股份有限公司） H股普通股股份代號：3988 境外優先股股份代號：4619 股份代號 : 3988 / 4619中國銀行股份有限公司 （於中華人民共和國註冊成立的股份有限公司） H股普通股股份代號：3988 境外優先股股份代號：4619 目錄 釋義 2 重要提示 4 公司基本情況 5 ...

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的內容概不負責，對其準確性 或完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何部分內容而產生或因倚 賴該等內容而引致之任何損失承擔任何責任。 中 國 銀 行 股 份 有 限 公 司 BANK OF CHINA LIMITED （於中華人民共和國註冊成立的股份有限公司） （「本行」） （股份代號：3988及4619（優先股）） 公告 董事會決議 本行於2023年8月30日在北京以現場表決方式召開2023年第六次董事會會議，會 議通知於2023年8月16日通過書面及電子郵件方式送達至本行所有董事和監事。 本次會議由董事長葛海蛟先生主持，會議應出席董事13名，親自出席董事11名。 副董事長、執行董事劉金先生因其他重要公務未能親自出席會議，委託執行董事 林景臻先生代為出席並表決。獨立非執行董事鄂維南先生因其他重要公務未能親 自出席會議，委託獨立非執行董事姜國華先生代為出席並表決。監事會成員及高 級管理層成員列席了會議。會議的召開符合《中華人民共和國公司法》等有關法 律、行政法規、部門規章、規範性文件和《中國銀行股份有限公司章程》（「《公司 章程》」） ...