中银香港2025年报 (非印刷版本)

本公司本份2025年報將由2026年4月中下旬寄發的印刷版本取代。 1917920019122002725238882388BHKLY(BVI)66.06% 236101652536673112122125132134135137139140308312314 財務摘要 五年財務摘要 2025 411.895.3%4.497.0%7.9%2.3%2.941.72202520251.2552.1256.8%56.0%1 72160IPOIPO ESG2GenAI 20%10% 董事長致辭 2025 170502,000 2026 202536 202544,898.097.0%7.9%29,404.632.3%17,157.872025770.19411.898.1%5.3%11.51%0.95%23.62%1.14% IPO AIGenA.I.2.0EnsembleTXBoC Pay+49 總裁致辭 +33.5%MSCI ESGAAA42500Teen43030,0004 2 0 2 6 管理層討論及分析 20252025 •411.895.3%•11.51%0.95%•3.79472.1250 •1.40%21.58%6 •0.9323.62% •1.14% •25.98%24.01%202511 •2025 1.2. 管理層討論及分析 20255% 20253.5% 202517.757.852025570.27 2025202427.8%2025(IPO)224.9%89.5% 202520252024 20252025770.1957.668.1%411.8920.715.3%401.2118.884.9% 202530.257.6%44.0319.3% 管理層討論及分析 2025529.112596.671.4%5.4%1.58%6 202518.096.3%81.62% 1.2. 管理層討論及分析 2025112.6913.7613.9%45.2%95.6%43.0%252.4%7.9% 202513.1520.9% 168.0558.1752.9% 202576.5762.6% 202579.7320247.82 20259.1926.1% 管理層討論及分析 181.936.994.0%23.62% 5.2% 6.2% 4.4% 5.4% 202515.7318.9% 202582.4833.0366.8%8.933.69202535.1727.64293.06636.2838.389.0820250.49%0.19202512311.09% 202517.20 管理層討論及分析 2441 202544,898.092,954.017.0%425.177.0%2,756.9118.9%388.702.3%389.012.3% 20252025(IADS)202517,157.872024389.012.3% 461.02 •197.983.0% •263.044.5% 36.488.1%35.530.9% 管理層討論及分析 202520251.14%0.09195.5819.060.08%1.83%0.01 2025202529,404.632,162.427.9%26.7%23.7%6.0%53.4%7.0 20253,585.282024198.125.8%8.2%63.1%0.7120247.9% 管理層討論及分析 202510.9%202520249.2%20247.5%20251124.01%25.98% 2025MSCI ESGAAA 2025178.5633.2022.8%5.5%40.0%6.1% 管理層討論及分析 20251202524FamilyMAXFamilyMAX2025FamilyMAX2TrendyToo1117TrendyToo202592025 20252025Cheers CardChill CardGO2025 202510%202516% 20253502024820252202513 管理層討論及分析 20258202422QR202542025202025 9 108.0053.9533.3%5.9%5.6%10.0%36.22 21CargoX(CIPS)11712 管理層討論及分析 2025202429% 2 0 2 51,171202422%26202520252025 18742025[] 2025202430%ESG2025ESG 161.3634.5527.2% CMU(Shibor)(LCH)ForexClearSwapClear 管理層討論及分析 ETFPremiaETFETF2025AsianInvestor2025Marquee Award WinnersAAA2025 2 0 2 54 9 . 5 %258.6236.2%42.4523.8%18.22 II•78910Life 5202520252025 2021STEAM30ESG Xchange 2025ESG2,000ESG 管理層討論及分析 (iGTB)2025120.2%9.6%202516.2%202522.11% 1.2.9 20252021-2025 BoC Pay+BoC Pay+2025BoC Pay+202411.6%202516.2%BoC Pay+7.4%BoC Bill2025BoC Bill12.8%Ensemble(EnsembleTX) 管理層討論及分析 Agentic AIGPT2025DALA Awards 2025Best Data Governance Award (Merit)2025 (GenAI)(IBPS)(FPS)(IADS) 2026 202620262026 + 管理層討論及分析 4 4.1 4.2 299%1 99%124 2025 4.2 4.3 管理層討論及分析 202311LAC 管理層討論及分析 4.4 企業資訊 # # 153 18317M (Citibank, N.A.)388 Greenwich Street26th FloorNew York, NY 10013United States of America www.bochk.com 20234 (BVI)20232021112023320199202111201812201992019120199201612201812 1993199920002008 20252 (BVI)2024202122024112020720201120192202011201722019220161120172 1993 53 2020122021220203202012 1998201922020122018920192201532018112015122018112012720141220153202192018122021920192202012201911202012201912202012 1998 20258 20232023620237201912202372018102020320159201810 65 2 0 1 41 0 198382012630 68 20166 S u n w a hI n t e r n a t i o n a l L i m i t e d2021614VinaCapital 2005(Michigan State University)20072009(University of Glamorgan)201120132014201520202022(Cambodia National University ofManagement) 20223 20085201522011920152M Plus Museum Limited 19831995 73 20193 20229 40 2023 198219832025 68 20263 201420192024 19841985199219852025 19821985 20236 4020225 1983 74 2 0 2 31 0 Unicorn II Holdings Limited20221HH&L Acquisition Co 20112014, 201620242 0 1 72020 2 0 2 21993 53 20222000 52 20242000 57 1990199072001920011020228 55 20241993 董事會報告 20251231 45 132 20251.255132.69202662520262026717202678202548100.29020252.125 202662220266252026202662520262026618430183171712-1716202620266252 20267220267820267820266304302026629 0.67 39 13.32B2025123134%15% 620251231226.36 3 董事會報告 5253653 20252620258420263112024 98C1B.2.22026202620261022026 20251231 20261 20251231352C3XV 20251231XV352 董事會報告 20251231336 2.(BVI)(BVI)(BVI)6,984,175,056 3.24,47972,0002,678 336143,52220251231336 530% 20221230 (i)(ii)(iii) 14A.5614A.71(6)(b)3000740 董事會報告 2026 2024924 2026330 公司治理 C1 CG-1 公司治理 (2) (3) (4) (5) (6) (7) (8) 公司治理 20212025 •••••• 2024 公司治理 www.bochk.com 1213852 公司治理 26 (b)202584 (c)2026311 2024 3.09D2025262025812026311 98B.2.22026202620261022026 公司治理 •••••••• (i)(ii)(iii)(iv)(v) 20263 公司治理 867%3 2026311(i)3.13(1)(8)(ii)(iii)www.bochk.com www.bochk.com 16.7%122026311 40%57%40%6116.7% 公司治理 公司治理 2025 3.09F3.09G2025263.09H202584202631118 2025(i)(ii) 公司治理 202596%147 公司治理 (i)(ii) ••• 公司治理 1 22222 ••••••• •20241231•20256306•20253312025930•••2024••2026•2026••2024• 1.2. 1 232222 •••••••• ••••••••• 1.2.3. 公司治理 1 22222 ••••••••• ••(ICAAP)••• 1.2. 1 2232444444 ••••• ••••20252026 1.2.3.4. 公司治理 1 232222222 •••••