中国银行2025年中期报告

3568101111111216202122222323273238424344454849495051515151 5253535455 565860 61 6166 6870 81 20258292025141414 2025 202520254242024101.216357.982024101.2082024102.424 2025101.094 A BANK OF CHINA LIMITEDBank of China www.sse.com.cn www.hkexnews.hk 1(86) 10-6659 2638ir@bankofchina.com A 601988 1(86) 10-6659 2638ir@bankofchina.com H 3988 1 1100818(86) 10-6659 6688(86) 10-6601 6871www.boc.cnwww.bankofchina.com(86)-95566 3360033 4360035 1 A 188(86) 21-4008 058 058 8202561720261231 H 18317M(852) 2862 8555(852) 2865 0990 20039202561720261231 188(86) 21-4008 058 058 117202311234÷×100%÷25÷×100%92010[2010]26÷×100%7÷×100%8[2016]359÷×100%÷2101112÷132024202314÷×100%15÷×100%16÷×100%17÷×100% 2.116.51%42.10%(CIPS) 6367,906.134.93%336,649.484.85%3,294.181,261.38(ROA)0.70%(ROE)9.11%1.26%25.11% 61.417.72%12.99%12.93% 61.24%0.01197.39%618.67% 4.5916.117,80016.95%2.651728.59% 4100(RPA)3,300 20256(M2)330.298.3%268.567.1%430.228.9%3,444.432.76%7.15860.42% 2025 6467.3429.31.263.41.49%211.97%15.58% (GDP)5.3%5.0%6.4%2.8%2.9%4.21(CPI)0.1% 1,261.380.31%1,175.910.85%(ROA)0.70%(ROE)9.11% 484.5394.7316.35% 2,148.16119.445.27%5,033.31396.637.30%2,885.15277.198.77% 2,105.31258.5110.94% 3,393.51396.6510.47% 519.986.391.24% 1,155.2794.758.93% 259.8625.078.80% 1.26%18(LPR)48332.4072.51% 12 826.2816.572.05%25.11%0.4367 1,146.02234.3325.70%34.79%6.11 467.9139.319.17%2 575.0230.775.08%8161 678.11195.0240.37%34 5 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%0.03 692,258.008,655.2310.35%68,875.296,620.3810.63%3,266.38296.619.99% 6256,383.1214,357.245.93% 631,256.651,727.015.85%(1)1,261.381,175.91(2)20242024357.98(3)A1,650(4)28.2400(5)34.23362.06 618,827.454,861.84 336.39664.46 6,476.604,885.73 875.99895.13 4 62,3004,000820 200(AIC)15AIC110 64.5916.117,800 30 645,391.4516.95%UoP2,109.81149.011,000(NAFMII) 500 602025(EUGBS)(ICMA) 626,533.6416.39%17215.58%2.94% 657,00043,000 (TNFD)142024 628,683.2314.69% 86439.29APP61,000 APP 61.26452.642,828.881.23 (OCR)9,7598.59%26.12 APP e5,364.0842.10% 2,447.653.470.14% 690,573.781,033.20 999.51 430.46 6135,215.10309.2817.21%12.93%12.99% 1,2001161,568CIPS700(QFI)(CIBM)CIPSCIPSCIPS 3,674.22 2025OCR 62,828.88237.979.18%452.649.062.04%2 65.461.15%1,166.63 66404.29% 6187.802,400 GBIC11621.693.40205 194644616.838,5921,217 81,70062236 660,699.43400.240.66% 643.64% 100%4836ATM100%99%e904,400APP •612,626.14761.59672,325.04 YOU40614,851.355,295.77 622 42 62213418890840.89845.961.93%171.27% 66,318.097.25%4,355.242.79%55.8510.88%26.23%2.28 ETFREITs 65396445 37570023.03216.64 500 RCEP e61331405 ESG Visa137 63.64% 630800 66.83 19 SoftToken63112 4.7100CIBM/QFI CIPSCIPS3516560.67 5×24 2030 6528.6443,998.223,510.54227.96 FamilyMAXTrendyTooBoCPayBoCBill6 ESG BoCPay(IADS) (iGTB) 2.4%(ESOP)84141,30024 627.78 IPO14(ABS) 635.39725.17242.079.64 IPO 618,581.91 61.0072.5659.584.20 REITs67,459.456,766.183,176.12 637.49106.0352.4312.892.47 ESG 6100.00210.15201.7613.58 2021,36238941711A 635.382,195.4775.2810.45 •BoC Pay• 624.671,434.69194.314.50 83.72A 645.35130.8755.3531.232.05 611.58255.6964.993.42 6340.521,365.24763.898.12 650%24439245185 6145.00949.17276.798.19 6108.00805.55123.482.32 1562,595.91 61,301.6589.77% 5614 52.63% APP9,16348.486.32%630,2249,759 615.14817.0392.501.50 6797.38 177.27 610,279698539 565 4011.13%46352186174 AIDeepSeek-R1-R1Qwen3390%95%RPA63,30040 e1650IFRS17 632,846.56158.751.24%0.015,618.69226.92197.39%3.21 630,696.543,373.7112.35%13,873.651,150.809.05% 6221,647.1096.44%5,339.822.32%2,846.561.24% 912 649.3177.530.58%0.13161 1÷2÷ 6 2 6 % 63 2025 (RACA)(KRI)(LDC) 6 2025 11210,037.38 A1,65050028.24002025618.67%(TLAC)21.42% 6 52025 6 2025 2025ESG20252025 20252024202520242025 ESGESGESGESG 1+1+N132025 + 2025602025(CCER) 20254,2002.889354.9420256285.2620062,3006,0002025 420253,8003062818,200 202562.875,8711,2361,40013418822649.7319.1894.28%94.69% 617215.58%420254403,000 APP +3 • 15+ 202517.84100%20251120100%2025 2025 2025 63027,824,620,573AAH A 27,824,620,573A1.002025328A5.505.93165,000,000,000.00164,952,658,061.905.932025630 322,212,411,814A238,590,135,419H83,622,276,395 20256132025618 20256A20251-60.36202568.1920240.7520248.18 2025630615,390454,495A160,895H 2025630 2025630H 22025630H10,495,701,000HH10,000,000 3A 4100%66.70% 63010 62025630 2025630 2025630 2025630 5% 20031216 194910 1999111www.famc.citic 2025630336 3CITIC Securities Company LimitedCITIC Securities International Company Limited6,466,400,048H771,000H6,466,400,048H1,000771,000H 4CITIC Securities Company Limited5,890,062,000H56(S)720256303368336 2025630105 2025630 122231110 22025630005LCT001 3 202534197,865,3002,921,520,000202535 122025173202518420253115202543620254320258297202551682025639202563010202563011202581122025811314 2 122025173202522442025429520256166202