中国银行2026年中期报告

3988 2026 目 錄 367911131313141923242525262631414853545657616162636464 646565676868697070717475758284848688888889919192939498 釋 義 A H 10.01 重 要 提 示 20268282026161616 2026 20252026792025101.1692 0 2 51 01 . 0 9 42025102.263 2026101.190 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.cnwww.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 123÷×100%÷24÷×100%920105÷×100%6÷×100%7÷×100%8÷×100%÷291011÷1213÷×100%14÷×100%15÷×100%16÷×100% 經 營 情 況 概 覽 6401,863.514.77%369,459.675.11%3,571.131,320.318.41%4.67%( R O A )0.67%( R O E )8.66%1.27%12 3 . 4 3 %1 . 6 8 61.205.98%616612%9% 13.32%3 . 0 61986.86% 2 . 6 12 3 %2 4 . 5 %( C I P S )19 61.22%0.01200.85%0.48618.31% 5.5+B O C A I2,2006B O C A I3.2 管 理 層 討 論 與 分 析 2026 ( G D P )4.7%2.7%5.4%4.6%16.9%4.7%(CPI)1.0% 6( M 2 )356.78.0%282.65.2%462.17.4%4,094.43.2%6.81093.2% 1,320.314.67%1,235.945.10%(ROA)0.67%(ROE)8.66% 2 , 3 6 7 . 3 32 1 9 . 1 710.20%4,961.3571.961.43%2,594.02291.1310.09% 3 , 2 9 7 . 8 39 5 . 6 82.82% 1,213.2758.005.02% 4 5 0 . 2 53 4 . 2 87.07% 1,807.50297.8114.15% 537.5417.563.38% 248.9810.884.19% 1.27%1(LPR)3 03 569.34% 12 123 1,203.8057.785.04%33.71% 472.094.180.89%2 731.7153.607.90%3,4,5 836.279.991.21%23.43%1.686,7 680.76105.7418.39%8,161 6401,863.5118,282.754.77%369,459.6717,960.155.11% 6247,411.2712,876.355.49% 66,061.74290.301,358.88153.360.55%0.03 61 0 4 , 8 1 3 . 1 68 , 2 1 7 . 0 68 . 5 1 %7 7 , 2 0 9 . 8 06 , 5 1 9 . 7 59.22%4,052.82367.129.96% 6268,257.636,433.322.46% 63 2 , 4 0 3 . 8 43 2 2 . 6 01.01%(1)1,320.311,235.94(2)20252025376.67(3)300500(4)34.2348.46 619,107.493,940.94 5,158.004,821.61 7 , 6 3 7 . 4 71 , 1 6 0 . 8 7 939.81875.99 32 4 620 44262,100 65,2006,4001 20040 705002,800 656,223.4913.32%7951,000(NAFMII) 60 (PRB)(GIP) 5002025 63 . 0 610.60%198.758.19%2.83% 6.109,2913,900 63.1510.85%7,063.5713.66% e61391406 61.31471.443,483.761.45 76345.86100%1,000200 50%50 A I1 0 , 4 2 86.86% 24%98 1.0+ 2,729.13281.4811.50% 67.54%1,139.54 692,598.351,158.721.27%1,276.75147.8813.10% 1096151,767.7712,056.218.63%3 3 2 . 9 814%9%12% R E I T sREITs 1,5001211,670CIPS800( C I B M )( Q F I )C I B M 1,1002.611123%29% 65.601.10%1,259.47 66451.99% 62,5475,33522956442 461 81 . 5 14 , 3 9 0 . 8 22,734.46264.70759.308,4591,397 660,176.25 20262026GBIC12 6 61 . 31 , 0 5 4 . 4 6301007004675,050.01 615,185.785,352.56 6700100%1 1 2 . 0 13,147.86108.286446.5917.46%64.35% 4 59 3(SFISF) ( I S D A ) 63.64 (REITs)10%40062 6 . 7 510.27% 6530.80846.97904.901.87%174.26% 66,702.282.14%4,692.745.83%57.332.65% 6532644521A P E C 581,166 3 . 0 21 4 . 8 322.75%8.65%7×247×24APECICC ESG 630850 2 067.16 VisaApplePayApplePay1392026 2 53 66 , 0 0 0Cross-bordere-CNY TransferServicesCBETS APPE-Wallet63112 5×2426 (QFI)(CIBM)(QDII)6 5 81 9C I P S46800CIPS300CIBMQFI2026 6528.6447,733.713,658.17243.56 6 FamilyMAXTrendyToo6 BoCPayBoCPayBoCBill 635.39600.54263.4813.49 IPO601696. S H 61.0085.6566.334.78 67 , 8 9 47,3132,777 6100.00229.51222.769.65 +6209232×+6171.863681.9161,5961.94 637.49117.0756.8914.102.78 ESG 64 5 . 3 5132.0255.0131.972.06 202639.2111.6525.252571,770 63 4 0 . 5 25 , 4 6 0 . 6 41 , 4 5 8 . 6 244.26 02588.HK 6145.00981.86317.0218.09 62,694.80 6108.001,019.46127.683.11 61 , 7 2 6 . 8 62 5 . 2 8 %58.26%30C9197 0L N G5 5 615.14768.9196.142.99 6752.96 248.77 5615C I P Se APPAPP2824 9 . 2 0632,12310,428 13320.1167.06%3,026610,24942,142A T M 2 1 , 9 2 0A T M7 , 5 8 2 . 2 66 6 0532 4 01 5 %5.5646620627499.99% +326B O C A I2,2001.63053,80030A IR P A 1901650 1650I T I T 633,018.04137.681.22%0.016,061.742 9 0 . 3 02 0 0 . 8 5 %0 . 4 8 91 26238,168.1096.54%5,522.072.24%3,014.411.22% 697.0247.710.58%161 % 1÷ 2÷ 6 2 6 % 63 2026 (RACA)( K R I )( L D C )( O R E M ) 6 1191,428.51 3001,000500150400618.31%(TLAC)21.66% 6 52026 6 2026 可 持 續 發 展 工 作 2026202520262025 1 32 0 2 62 0 2 6E S G2026 (ESG) ESGESGESGESGESG 202668 42 0 2 63 , 0 0 020253,0008,000 202663.157,063.571,2521341852264 6 . 7 61 9 . 5 193.78%94.95% 6198.758.19%3 , 9 0 0 202613.54100%20262 08 1 % 20262026 +3•155•15+ 2026 20265,0002.841,000147.7紮6312.4620062,6008,0002026 2026 2026 股 份 變 動 和 股 東 情 況 1.2026630322,212,411,814238,590,135,419A83,622,276,395H 2.202663027,824,620,573AAH 2 0 2 663 06 0 2 , 1 8 24 4 7 , 2 9 9A154,883H 2026630 1.2026630H2.H10,495,701,000HH3.A4.1 0 0 %66.70%31.34%5.H20266306.2026630 2026630 2026630 2026630 5% 20031216 194910 1999111www.famc.citic 2026630336 1.BlackRock, Inc.BlackRock Finance, Inc.4,931,398,612H10,789,000H4,931,398,612H142,891,00010,789,000H7,256,0002.15,888,513,000H3.CITICSecuritiesCompanyLimitedCI