中国银行2024年中期报告

3988H4619 2024 202492024 目 錄 25681012122553636566727983909495 釋 義 571 重 要 提 示 202482920241 31 31 3 2024 202320247162023102.364695.93 2024101.208 公 司 基 本 情 況 A BANK OF CHINA LIMITEDBank of China www.sse.com.cn www.hkexnews.hk 1(86) 10-6659 2638ir@ bankofchina.com 1(86) 10-6659 2638ir@ bankofchina.com 601988 H 3988 1 1100818(86) 10-6659 6688(86) 10-6601 6871www.boc.cn(86)-95566 3360033 4360035 1 H BOC 20USDPREF4619 18317M(852) 2862 8555(852) 2865 0990 A 188(86) 21-4008 058 058 188(86) 21-4008 058 058 財 務 摘 要 11720231120221123=+4÷×100%÷25÷×100%92010[2010]26÷×100%7÷×100%8[2016]359÷×100%÷2101112÷1320242022202314÷×100%15÷×100%16÷×100%17÷×100% 經 營 情 況 概 覽 6339,072.674.55%311,282.914.90%3,179.291 , 2 6 5 . 3 6( R O A ) 0 . 7 6 %(ROE)9.58%1.44%25.54% 8.351.716,50039.77%21300.299.98% 62 . 2 83 6 8 . 3 21,49811%3,4849.35% C I P S5483,410 6201.69%18.91% 管 理 層 討 論 與 分 析 2024 (GDP)5.0%3.7%6.0%3.9%6.1%30,909(CPI)0.1% 6( M 2 )305.06.2%250.98.8%395.18.1%2,967.40.3%7.12680.6% 6433.10397.661.2663.341.56%209.32%15.53% 1,265.360.90%1,186.011.24%(ROA)0.76%(ROE)9.58% 2,267.6072.323.09%5 , 4 2 9 . 9 43 5 9 . 9 37 . 1 0 %3,162.34432.2515.83% 3,790.16110.963.02% 1,060.52149.1116.36% 5 7 9 . 2 69 9 . 8 620.83% 2,363.82238.4411.22% 5 1 3 . 5 91 2 7 . 2 232.93% 284.9366.5930.50% 1.44%2317(LPR)674.60% 12 911.6954.546.36%28.68%1.87 428.6035.167.58%13.48%2 483.0989.7022.80%3,4,5 1,082.9039.903.83%809.7112.771.55%25.54%0.236,7 6 0 5 . 7 9726.84106.8717.24%8,161 6339,072.6714,751.014.55%311,282.9114,529.404.90% 62 1 1 , 4 2 8 . 3 01 1 , 8 1 0 . 5 15.92% 65 , 2 6 9 . 5 74 1 6 . 5 9800.43210.750.38%0.08 674,069.062,481.893.47%56,356.741,938.973.56%2,485.3161.182.52% 6236,307.067,236.563.16% 62 7 , 7 8 9 . 7 62 2 1 . 6 10.80%(1)1,265.361,186.01(2)2023695.93(3)400(4)51.8180.06 24,608.30558.95 6 6 4 . 4 66,352.82 1,590.87996.89 1 , 7 7 1 . 1 22 , 5 4 6 . 3 6 32 4 68.351.716,500 2 4 UoP636,659.0339.77% 9 8 3 . 7 091.77(NAFMII) E S GREITs (PRB)(TCFD)( G I P )( S M I ) 361389 eA P P620,916.2818.94%1303.33% 1,900• 10,2601,023 80% RPAOCR9,0006.0APPEAPP (mBridge) 2,444.1874.312.95% 1,025.7961.025.61% 688,020.78781.87 6116,568.56459.521 7 . 8 0 %9.35%9.57% 1 , 2 0 01131,510C I P S6 0 0(QFI)( C I B M ) 2 0 2 4 62.28368.3211.08%2.84,300EAPP30e14620,916.2818.94%130 62,323.64224.7810.71%437.2524.886.03%1.94 65.311.19%1,200.7761.024.84% 63810.64% 61 7644246158,2281,103 52.83%618.522.84197 837.74%1,72750%2 539 12,299.733,751.60480.68 E 66 8 , 8 4 3 . 7 61 4 , 6 1 7 . 1 46,485.761,849.51 6A T M100%95%127%11999.98%APPe8 73,800 TLAC 4 0 230120530.27 63.39 1.7436018(REITs)618.828.38% 62 213418990818.50851.572.17%166.72%1.65 65,783.704.75%4,313.390.77%50.3711.04%23.95% 65466444 50061,1003,410 ESG 15NX 630700 6.26 EMV13520242024 5×2428513.22G317.17 61.07 C I P S63315C I P S719.3993.97% 2065614 6.0APP63012 6528.6439,982.483,299.34204.63 2030 BoCPayBoC Bill • 3CambodianShared Switch(CSS) BoCPayA P PEnsemb l e 635.39707.03229.567.34 ESGESG1 74%(ESOP)508.5200 627.78 A A + 61 . 0 067.5255.903.59 625( Q F I )(QDII)66,852.625,979.513,099.36 61 0 0 . 0 0185.55178.8411.11 ESGESG618,019.39 637.4998.0848.5514.771.90 ESG 635.381,930.1862.966.67 645.35129.8256.0329.542.80 E S GE S G28.7276.911710A- 624.671,040.69181.0617.25 82.5643.67A 6340.521,368.59757.456.94 25 6145.00898.76246.6714.42 62,398.68 611.58242.8660.614.60 655%18559347154.9 6108.00673.62122.213.06 61 , 0 4 7 . 1 584.82%46.75%6511 615.14734.0987.35 6717.8964.50%2.01 66.0011.588.610.11 IFRS17 172.55 5.0T+1/T+2135 EEEEAPP5445.606 . 1 7 %628,2958,986 A T M 610,280665546 392.9 R P AO C R2,900 9 632,612.6780.621.24%0.035,269.57416.59201.69%10.03 62 5 , 6 2 8 . 3 32 , 3 2 8 . 8 31 0 . 0 0 %21,483.721,722.068.71%11,531.021,062.9310.15%5,030.91478.1510.50% 91 26203,406.7696.47%4,832.442.29%2,612.201.24% 726.84106.870.71%0.03161 % 1÷ 2÷ 6 2 6 % 202463 2024 I T 18133,041.37 (RACA)( K R I )( L D C ) 6 1,500400 1,200400618.91% 6 2024112023123152024 6 202411202312312024 環 境 與 社 會 責 任 2 0 2 42 0 2 3202420242 0 2 32024 1+1+ N1 320242024202420242024 (ESG) E S GESG ESG 9 0 2024(ICAAP)2023(ICAAP) + 2024610% 433 420243,7003 01.79,200 202462.284,4141,2131,01313422 20141,6004,50020246267.9719020142024154195040.58 202441,900202462.0935%13045% 202413.7100%2 0 2 43 • 1 52 . 33.68 20243•15 2024 股 份 變 動 和 股 東 情 況 1.2024630294,387,791,241210,765,514,846A83,622,276,395H 2.2024630AH 2 0 2 463 05 8 8 , 0 4 34 2 1 , 5 9 5A166,448H 2024630 1.HH 2.2024630H 3. 4.A 5. 6.202310112024410A330,372,926A188,791,906,533 2024630 2024630 2024630336 1.BlackRock, Inc.BlackRock Financial Management, Inc.4,740,662,257H63,935,000H63,935,000H29,025,0002.CITIC Securities Company LimitedCITIC Securities InternationalCompanyLimited6,744,332,352H369,000H6,744,332,352H665,305,379369,000H3.CITIC Securities Company Limited5,890,062,000H4.5.China CITIC Fina