中国银行2024年年度报告

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）股份代號：3988 基督城 19122194919942006A+H20082022201114 64 113 環境、社會、治理 關於我們 中國銀行簡介3榮譽與獎項5釋義7重要提示8財務摘要9公司基本情況12董事長致辭13行長致辭17 社會責任109 公司治理 股份變動和股東情況115董事、監事、高級管理人員121公司治理137董事會報告152監事會報告160重要事項163 管理層討論與分析 財務報表及其他 綜合財務回顧23業務回顧40風險管理85資本管理96機構管理、人力資源開發與管理97展望100 獨立核數師報告167 合併財務報表173 股東參考資料328 組織架構331 機構名錄333 專題目錄 專題一 ：紥實做好「五篇大文章」42專題二 ：持續提升全球佈局能力69專題三 ：加快推進金融科技創新82 20253262024141414 2024 2024101.2162024101.2082024102.424 1.172023112022112022112.3.4.20245.6.7.20248.÷9.÷×100%÷210.÷×100%92010[2010]211.÷×100%12.÷×100%13.[2016]3514.2024202315.÷×100%16.÷×100%17.÷×100%18.÷×100%÷219.÷×100% BANK OF CHINA LIMITEDBank of China 117 1(86) 10-6659 2638ir@bankofchina.com 97927 1(86) 10-6659 2638ir@bankofchina.com 911000001000013428 1 B0003H111000001 1100818(86) 10-6659 6688(86) 10-6601 6871www.boc.cn(86)-95566 A601988H3988 1 A www.sse.com.cn www.hkexnews.hk 2024 16.60%6863.2 1.917,10029.63%39.62% 202435328.11%8.20%6,3282,5271.38%2.58%1.25%0.0222%101.216102.42430% 1.81 0 . 8 4 %958.251,20018.72% +278420%8,00040%20241,2003,720 26%1640% 30 2025 2025326 2024 5,01120.35%320243,70017.701.4425285.04200 1 029.67%31.03%6,0002571,0002.936.90% 202411 166.18%100% 0.028.9418.76%1.02 6.279006 ISO900196% 2025 2025326 24 25 31 37 37 39 39 39 2024(M2)313.57.3%255.77.6%408.38%3,35212.7%7.18841.5% 2024 2024444.66.5%408.16.5%2.33.31.50%211.19%15.74% 2024(GDP)5.0%3.5%5.8%3.2%5.0%7.1(CPI)0.2% 20242,527.1963.482.58%2,378.4159.372.56%(ROA)0.75%(ROE)9.50% 20247,453.5552.460.70% 20244,489.34176.113.77%10,715.39226.882.16%6,226.05402.996.92% 2,171.28248.3512.92% 1,090.5630.992.92% 4,489.34176.113.77% 20244,574.8666.351.47% 1 , 0 7 1 . 1 72 1 4 . 3 925.02% 10,715.39226.882.16% 580.02122.2526.71% 6,226.05402.996.92% 20241.40%1924(LPR)74.15%6 12 2 3 20241,838.37262.4416.65%29.05% 765.9022.752.88% 1,072.47285.1936.22%345 20242,357.70128.375.76%1,812.6237.592.12%28.77%0.2767 20241,027.2238.403.60%1,208.61147.4713.90%9172 2024422.3570.0214.22%14.32%10 2024350,612.9926,291.338.11%321,083.3524,329.848.20% 資產 單位：百萬元人民幣（百分比除外）2024年12月31日 單位：百萬元人民幣（百分比除外）2024年12月31日 2024215,940.6816,322.898.18%185,145.2018,108.6010.84%4,284.05316.066.87%17 20245,391.77538.79987.49397.810.46%0.16 202483,602.7712,015.6016.78%62,254.917,837.1414.40%2,969.77545.6422.51% 2024年12月31日單位：百萬元人民幣（百分比除外） 2024242,025.8812,955.385.66%193,341.7210,517.025.75%6,772.60243.203.72% 按貨幣劃分的客戶存款 單位：百萬元人民幣（百分比除外）2024年12月31日 42 2024 202423,689.291,477.96 202429,529.641,961.497.12%(1)20242,527.192,378.41(2)500400(3)2023202420241,051.55(4)51.81110.39 20245,509.662,654.80 8,059.862,665.58 1,118.6080.02 16 20243286,101.7721,399.828.08%77.52%20242,167.12131.465.72%73.28% 202457,112.544,832.149.24%15.47%2024606.8670.1713.07%20.52% 202425,856.462,128.518.97%7.01%2024183.5247.6935.11%6.20% 5 53 63 76 81 42 69 202410.291.917,100 10.29 1.91 7,100+ 24 11 AIC188 40,707.52 2024 2,618.37 237.95 UoPESG202440,707.5231.03% 7100SGS2,618.37237.951,000(NAFMII)2024 REITs (GIP)(TNFD)ESG2024 810010028456ESG 22,796.55 29.63 3,700+ 2.50 4,700eAPP202422,796.5529.63%1503.24% 46,00020243,7006.71 2.505,011.2810.55 2,590.91 1.17 20241.24443.582,590.911.17 34425.40APP10,2651,145100% 46.68 9,793.15 732.54 5.0399.6112.57%(CFCA)2024732.549.23%e8,133.2739.82%9,793.1511.59%46.682024 ee 202456143112 20244,781.7536.050.75% 202488,622.26785.74 20241,971.19 2024121,553.77340.9731.51%18.72%16.60% (GBC) CIPS600(QFI)(CIBM) Sibos2024Swift B3 1,2001141,540 SibosSwift 202441640% 2024e APPAPP 46,000 20242,590.91492.0523.44%443.5831.217.57%1.99 20246.713,700 20244,170.4029.31%13,531.7438.97%230666.6646.49% 6624,711.4426.31% 1,539 20244424202415.778,5751,180• 20245.42.75%20242,321.00 202420244015.94% 18 11 202460,299.192,027.973.48% 871.70%1,70050%202420242236 QDLP•61.92%GBIC202419.893.14203 12,447.364,343.35637.37 2024 100%99%166.18%321APPe904,200 PLUSYOU 202414,794.045,9342.66%7.62%202412,864.703,466.80 TLAC 2024ATM 202420242024 40 20243.48 REITREIT202420 2024 202422134188105.851,127.21155.392.01 2 0 2 45,891.026.70%4 , 2 3 7 . 2 02.53%92.7614.75%22.33%3.12 1.78%178.01%2024789.08848.84 20245436445 20242024 e1803014% 500 202420241626% 20241,2003,720 6001,00030.55489.96 ESG 202419130 2024102124Sibos2024SwiftView from the TopSibos EMVVISAMastercard 202430750 19MastercardVISA SoftTokenMoneyLock 6.49 QDII24QFIQDII 5×24 CIPSCIPS341620241,313.8340.05% 2022(e-MOP)20241212 192964 4070CIPS2024 19 IPU2024 2024959595 8 202460 2024528.6441,944.083,422.30391.18 391.18 • ESG2030 • BoCPayBoCBill2024 • •mBridgeCIPS • Bakong LAPNet24(iGTB) • APPEnsemble2024iGTB MOBILE ESG 202110 400 20246.49444.50 6.49444.50 249%(ESOP)689.5900ESGESG 2024 202427.78 12AA5 202435.39715.48231.4813.90 18ESGSustainalyticsESG 202420242024 2024100.00193.60188.5319.63 20241.88 20241.0064.8255.377.90 10ESG505020247,030.29