中国银行2025年中期报告

3988 2025 202592025 目 錄 367911131313141923242525262630394552535556606061626363 636464666767686969717475758284848789898991939494959697101102 釋 義 A H 571 10.01 (Bp, Bps) 重 要 提 示 20258292025141414 2025 2 0 2 52 0 2 542 42 0 2 41 01 . 2 1 6357.982024101.2082024102.424 2025101.094 公 司 基 本 情 況 1 A BANK OF CHINA LIMITEDBank of China www.sse.com.cn www.hkexnews.hk 1(86) 10-6659 2638ir@ bankofchina.com A601988 1(86) 10-6659 2638ir@ bankofchina.com H3988 3360033 1 1100818(86) 10-6659 6688(86) 10-6601 6871www.boc.cn ,www.bankofchina.com(86)-95566 4360035 H 18317M(852) 2862 8555(852) 2865 0990 8202561720261231 20039202561720261231 188(86) 21-4008 058 058 A 188(86) 21-4008 058 058 財 務 摘 要 117202311234÷×100%÷25÷×100%92010[2010]26÷×100%7÷×100%8[2016]359÷×100%÷2101112÷132024202314÷×100%15÷×100%16÷×100%17÷×100% 經 營 情 況 概 覽 6367,906.134.93%336,649.484.85%3,294.181 , 2 6 1 . 3 8( R O A ) 0 . 7 0 %(ROE)9.11%1.26%25.11% 61 . 4 17 . 7 2 %12.99%12.93% 4.5916.117,80016.95%2.651728.59% 2.11 6 . 5 1 %42.10%( C I P S ) 61.24%0.01197.39%618.67% 4100(RPA)3,300 管 理 層 討 論 與 分 析 2025 ( G D P )5.3%5.0%6.4%2.8%2.9%4.21(CPI)0.1% 20256( M2)330.298.3%268.567.1%430.228.9%3,444.432.76%7.15860.42% 64 6 7 . 3429.31.263.41.49%211.97%15.58% 1,261.380.31%1,175.910.85%(ROA)0.70%(ROE)9.11% 2,148.16119.445.27%5 , 0 3 3 . 3 13 9 6 . 6 37 . 3 0 %2,885.15277.198.77% 3 , 3 9 3 . 5 13 9 6 . 6 510.47% 1,155.2794.758.93% 4 8 4 . 5 39 4 . 7 316.35% 2,105.31258.5110.94% 519.986.391.24% 259.8625.078.80% 1.26%18(LPR)483 32.4072.51% 12 1 , 1 4 6 . 0 22 3 4 . 3 325.70%34.79%6.11 467.9139.319.17%2 678.11195.0240.37%3,4,5 826.2816.572.05%25.11%0.436,7 575.0230.775.08%8,161 6367,906.1317,293.144.93%336,649.4815,566.134.85% 6230,496.7614,556.086.74% 65,618.69226.921,120.66133.170.49%0.03 69 2 , 2 5 8 . 0 08 , 6 5 5 . 2 31 0 . 3 5 %6 8 , 8 7 5 . 2 96 , 6 2 0 . 3 810.63%3,266.38296.619.99% 6256,383.1214,357.245.93% 63 1 , 2 5 6 . 6 51 , 7 2 7 . 0 15.85%(1)1,261.381,175.91(2)20242024357.98(3)A1,650(4)28.2400(5)34.23362.06 18,827.454,861.84 3 3 6 . 3 9664.46 6 , 4 7 6 . 6 04 , 8 8 5 . 7 3 875.99895.13 32 4 64.5916.117,800 3 0 62,3004,000820 200A I C15AIC110 645,391.4516.95%UoP2,109.81149.011,000( N A F M I I ) 602025(EUGBS)(ICMA) (TNFD)142024 500 626,533.6416.39%17215.58%2.94% 657,00043,000 628,683.2314.69% APP 61.26452.642,828.881.23 86439.29APP61,000 O C R9,7598.59%26.12APP e5,364.0842.10% 2 , 4 4 7 . 6 53.470.14% 999.51 690,573.781,033.20 6135,215.103 0 9 . 2 817.21%12.93%12.99% 430.46 1,2001161,568C I P S7 0 0(QFI)(CIBM)CIPSC I P SC I P S 2025O C R 6187.802,4003,674.22 62,828.88237.979.18%452.649.062.04%2 65.461.15%1,166.63 66404.29% 1 9464 4616.838,5921,217 643.64%GBIC11621.693.40205 81 , 7 0 062236 660,699.43400.240.66% •612,626.147 6 1 . 5 9672,325.04 Y O U40614,851.355,295.77 1 0 0 %4836ATM100%99%e904,400A P P 4 2 E T FR E I T s62 2 62 213418890840.89845.961.93%171.27% 66,318.097.25%4,355.242.79%55.8510.88%26.23%2.28 65396 44 5 500 RCEP 37570023.032 1 6 . 6 4 e61331405 ESG 63.64% 630800 1 9 Visa137 66.83 S o f t T o k e n63112 5×24 4.7100CIBM/QFI C I P SC I P S3516560.67 6528.6443,998.223,510.54227.96 E S G2030 FamilyMAXT r e n d y T o oBoCPayBoCBill6 (iGTB) BoC Pay(IADS) 635.39725.17242.079.64 I P O2.4%(ESOP)84141,30024 627.78 IPO14A B S 61.0072.5659.584.20 REITs67,459.456,766.183,176.12 6100.00210.15201.7613.58 61 8 , 5 8 1 . 9 1 637.49106.0352.4312.892.47 ESG 635.382,195.4775.2810.45 •B o CP a y 64 5 . 3 5130.8755.3531.232.05 2021,36238941711A 624.671,434.69194.314.50 83.72A 6340.521,365.24763.898.12 6145.00949.17276.798.19 1 562,595.91 611.58255.6964.993.42 65 0 %24439245185 6108.00805.55123.482.32 61,301.6589.77%52.63% 615.14817.0392.501.50 6797.38 177.27 5614 APP9,16348.486.32%630,2249,759 610,279698539 4 011.13%46352186174 A ID e e p S e e k - R 1- R 1Q w e n 3390%95%RPA63,30040 565 e1650IFRS17 632,846.56158.751.24%0.015,618.692 2 6 . 9 21 9 7 . 3 9 %3 . 2 1 630,696.543,373.7112.35%13,873.651,150.809.05% 91 26221,647.1096.44%5,339.822.32%2,846.561.24% 649.3177.530.58%0 . 1 3161 % 1÷ 2÷ 6 2 6 % 63 2025 (RACA)(KRI)(LDC) 6 2025 11210,037.38 A1,65050028.24 0 02025618.67%(TLAC)21.42% 6 52025 6 2025 環 境 、 社 會 和 治 理 20252024202520242025 1+1+ N1320252025E S G2 0 2 52025 E S GE S GE S GESG + 2025602025(CCER) 420253,8003 062 818,200 202562.875 , 8 7 11 , 2 3 61 , 4 0 01341882264 9 . 7 31 9 . 1 894.28%94.69% 20254,2002.889354.9420256285.2620062,3006,0002025 617215.58%420254403,000APP 202517.84100%20251120100%2025 +3•15+ 2025 2025 股 份 變 動 和 股 東 情 況 1.2025630322,212,411,814238,590,135,419A83,622,276,395H 2.202563027,824,620,573AAH A 27,824,620,573A1.002025328A5.505.93165,000,000,000.00164,952,658,061.905.932025630 3 2 2 , 2 1 2 , 4 1 1 , 8 1 4A238,590,135,419H83,622,276,395 2 0 2 561 32 0 2 561 8 20256A20251-60.36202568.1920240.7520248.18 2 0 2 563 06 1 5 , 3 9