中国银行2026年中期业绩发布会纪要

发布时间：2026-08-28 一、AI总结内容 一、核心业绩指标 1. 2026年上半年实现营业收入3571亿元，拨备前利润2304亿元，同比分别增长8.41%、9.77%；归属于本行股东的净利润同比分别增长4.67%、5.10%，净利息收入同比增长10.20%，成本收入比下降1.68个百分点。 2. 资产负债规模稳健增长，总资产超40万亿元，同比增长4.77%，总负债达36.95万亿元，同比增长5.11%；个人存款增长1.2万亿元，同比增长5.98%，境内人民币存款利率下降22个基点，负债成本可控。 3. 资产质量保持同业领先，不良贷款率1.22%，环比下降0.01个百分点，不良贷款余额减少，拨备覆盖率208.5%，环比上升0.48个百分点，资本充足率18.31%，环比上升8个基点。 4. 分红方案：纪念A股+H股上市20周年，2026年上半年分红比例提至31%，拟派息1.19元/股。 二、战略布局与业务亮点 1. 全球化优势巩固：覆盖64个国家和地区，人民币清算行数量全球领先，熊猫债承销规模380亿元，跨境人民币业务全球第一，服务90%以上世界500强在华企业，跨境现金池、全球代发等业务快速增长，海外净利润贡献超27%。 2. 重点业务领域突破：科技型企业贷款占对公贷款三分之一，服务超20万家科技企业；绿色金融贷款增长13.32%，绿色债券承销规模行业领先；普惠小微贷款、养老产业贷款增速分别达10.6%、50%；数字金融方面，手机银行MAU增长6.86%，跨境电商交易金额增长24%。 3. 非利息收入增长：上半年非利息收入1203.8亿元，同比增长5.04%，占比33.71%，结算清算、代理基金销售、金融市场业务贡献突出，结算手续费增长6.83%，代理基金销售收入增长31%，托管业务规模26.75万亿元，同比增长10.27%。 4. 十五五规划方向：打造服务实体经济、全球布局、国际竞争力等六大能力，重点推进科技金融、绿色金融等领域，守住不发生系统性金融风险底线。三、问答环节核心要点 1. 资产负债管理：把握国内国际两个市场平衡，优先支持科技、绿色、高端制造等国家重点领域，海外业务聚焦先进制造、新能源、生物医药等行业，统筹量价平衡，优化存款结构降低负债成本，提升资产收益率。 2. 净息差稳定：通过多元化货币配置对冲利率波动，国内负债成本下降，海外外币净息差高于人民币，下半年将持续优化资产负债结构，稳定净息差水平。 3. 非利息收入：下半年将巩固结算清算、财富管理、金融市场业务优势，依托全球布局推动境内外协同，拓展支付结算、财富管理、资产托管等业务，提升非利息收入占比。 4. 全球化发展：十四五末海外资产占比达22%，未来将通过优化业务结构、完善跨境服务生态、推动境内外业务协同，将全球化优势转化为利润增长点，提升海外净利润贡献。 5. 资产质量风险：重点关注个人消费贷、对公企业风险及海外区域风险，通过精细化管理、前瞻性风险识别、技术赋能提升风控水平，全年资产质量保持稳定，拨备充足。 6. 科技金融服务：聚焦全生命周期科技企业服务，打造“链群”服务模式，支持5200家AI等领域企业，推出科创贷等专属产品，构建科技金融服务生态，未来五年将覆盖科技产业链关键环节。7. 服务中国企业出海：提供全球结算、汇率避险、项目融资等一揽子服务，覆盖10大行业、10大重点国家，建立“一站式”服务生态，提升跨境服务效率。 8. 扩内需举措：上半年投放390亿元就业相关贷款，个人消费领域贷款增长7.7%，文旅、养老贷款分别增长10%、50%，发行“中银e文旅”品牌，境外消费退税业务覆盖25个省市，推动消费增长。9. 债券承销优势：上半年境内债券承销规模超7500亿元，熊猫债承销占比66%，依托全球服务网络提供“发行-交易-风险管理”全链条服务，创新ESG债券、养老债券等产品，持续巩固领先地位。10. AI赋能转型：实施“AI+金融”战略，构建三大体系，推进2000余个智能应用场景，覆盖前中后台，未来将强化技术底座，推动业务流程重构，确保AI应用合规安全。 二、音频原文（转写） Honorable investors analysts media friends goodafternoon welcome you and my big sex to you forparticipating twenty twenty six interim resultsrelease amid thisring and my name is刘成高e v p andbottle secretary of b cand today's release willbe cohosted by me and busy spokesperson madameyuke and this release is web broadcast simultaneously welcome friends online. I want to introduce the leaders of b o cone president and shift complex officer mr zhang hui e v pho andevp5件evp黄雪玲and we have directors online.And the twenty twenty sixth interim results of the bank have beenannounced externally and.对啊, ppts downloaded from our websitestoday all the financial datas arecompelled according to r france now i want to give the floor to mr zhang hui to introduce you the interim results of the bank.Dear investors analyst media friends good afternoon welcome you tob occ twenty twenty six interim result announcement.It's a great pleasure to meet the older andnew friends twenty twenty six is a meaningful year for bill sayon the one hand as the first a plus h dual listed bank in china.This year marksthe twentieth anniversary of ourrp. O after twenty years of a continuous operation.Our bank witha history of more than one hundred years have achieved better copied governance globalized oper ation and diversified business transformation with asset skill grew by eight times and overseasinstitution coverageexpand from twenty seven countries to sixty four countries and we are comingfrom bigger bank a big bank to a stronger bankand this year also marks the end of the fourteenth five plan and the beginning of the fifteenthfive year plan in the past five years b o c continuously improve its comprehensivecopy has a stress opportunity revenue that profitand name, stabilize offirst among peers and that interested income.Contribution increase to thirty three percent s and liability grew by modern fifty percentand globalization advantage has been further consolidated overseas a profit contribution improve for improved by four point six percentage points n p l the lowest among peers and car ratioandruns as number eight among j sixps in the firsthalf of the year we have completed our operating targets with good good quality enhancement.First financial performance achieved steady growthin the first half operating revenue three hundred and fifty seven point one billion profit before provision two hundred and thirty point four billion.An increase of for eight point four one percent and nine point seven seven percent respectively nine profit nine profit atrivable to shareholders of the bank grew by four point six sevenpercent and five point one zero percent respectivelyand the gross rate q on q growth since twenty twenty five namestabilized one point two seven percent net interest income.Grew by ten pointtwo zero percent cost income racial decrease byone point six eight percentage point operating efficiency further enhance and liabilitycontinuously improve its quality total asset exceeded forty training an increase of four seven seven percent as compared to the end of last year low andbound and other high yield asset improve by onepoint three two percentage point domestic i belong grew by one point two trilliona growth of fiv e point nine eight percent t