A：In the first half of the year, Bank of China achieved operating income of 357.1 billion yuan and profit before provision of 230.4 billion yuan, up 8.41 per cent and 9.77 per cent respectively. After-tax profits and after-tax profits attributable to the Bank's shareholders increased by 4.67 per cent and 5.1 per cent, respectively, year-on-year, with growth rates increasing quarter-on-quarter since 2025. The group's net interest margin stabilized and rebounded to 1.27, an increase of one basis point from the previous year. Net interest income increased by 10.2 year-on-year, cost income decreased by 1.68 percentage points year-on-year, and operating efficiency was further optimized. The group's total assets exceeded 40 trillion billion yuan, an increase of 4.77 from the end of the previous year, and the proportion of high-yield assets such as loans and bonds increased by 1.3 percentage points. Domestic RMB loans increased by RMB 1.2 trillion, a rise of 5.98%. Total liabilities reached 36.95 trillion billion yuan, an increase of 5.11 over the end of the previous year. The interest payment rate of domestic RMB deposits decreased by 22 basis points over the previous year, and the cost control of liabilities was effective.

A：The group's non-performing rate was 1.22, a decrease of 0.0 one percentage point from the end of the previous year, and new non-performing products decreased year-on-year. The balance and ratio of non-performing loans held by overseas institutions continued to decline. The group's provision coverage ratio rose to 200.85, an increase of 0.48 percentage points from the end of the previous year, and the capital adequacy ratio was 18.31, an increase of eight basis points from the end of the first quarter. The risk offset capacity continued to increase.

A：At the historic moment of the 20th anniversary of the listing, the board of directors recommended that the mid-term dividend in 2026 be distributed to common stock cash dividends, and the dividend ratio should be increased to 31%, with a distribution amount of 1.19 yuan per 10 shares, a year-on-year increase of 8.8.

A：First, we will steadfastly pursue high-quality globalization and maintain a leading edge in business competitiveness. In the first half of the year, Bank of China focused on the three major advantages of global operations, continued to expand the pre-tax profit contribution of foreign institutions, and maintained its leading position in the global market. Second, adhere to the new development, the service entity is strong and effective, do a solid job of five major articles, build a leading bank in science and technology finance, strengthen the support of the modern industrial system, and help expand domestic demand to promote consumption. Third, adhere to good development, make every effort to enhance the ability to create value, optimize the structure of assets and liabilities, continue to optimize the income structure, adhere to capital intensive management. Fourth, adhere to the strong development, make every effort to improve the comprehensive service capacity of customers, expand the full number of customers, enhance the service capacity of key business products, and deepen the integrated comprehensive service system of commercial investment and banking.

A：In terms of domestic business, on the basis of maintaining a steady and balanced growth of the total amount, we will focus on key areas and improve the economic efficiency of the service entity. Increase project reserves, keep the growth rate of RMB loans higher than the average level of the whole society, continue to optimize the credit structure, help the development of new productivity, and promote credit growth in areas such as technological innovation, green development, and medium-and long-term manufacturing. We will strengthen support for major projects and key investment projects during the 15th Five-Year Plan period, accurately implement fiscal and financial policies to promote domestic demand, and strictly control credit risks to ensure stable asset quality.

A：There are three main reasons: First, overseas core assets have maintained rapid growth. Under the current high interest rate level, our bank's overseas institutional loans and bond investment in the first half of the year have performed better than the same period in previous years; second, overseas The ability to obtain low-cost capital has been significantly enhanced; finally, the margin of foreign currency deposit and loan spreads has continued to improve, and the level of major currency spreads operated by overseas institutions is higher than domestic, and the net interest margin is better than domestic.

A：In the first half of the year, Bank of China's non-interest income performed solidly, up 5.04 per cent year-on-year, accounting for 33.71 per cent of the group's total revenue. Mainly benefited from the good performance of settlement and clearing, wealth management, financial markets and custody business. Specific momentum includes: steady growth in settlement and clearing income, thanks to the growth in the number of public customers and settlement accounts; continuous improvement of wealth management capabilities to meet the needs of residents for asset allocation upgrades, and drive the growth of fund agency fees and other income; custody service The system has been continuously improved, the global layout capacity has been enhanced, and the scale of managed assets has increased by 10.27 year-on-year; investment and trading businesses have developed steadily, by strengthening market research and optimizing the portfolio structure, ensure stable earnings.

A：Globalization is the core gene and century-old business heritage of the Bank of China. In the first half of this year, the global operation demonstrated a strong competitive advantage, providing support for the Group to cope with the low interest rate environment and enhancing its development resilience through the cycle. There are three specific performances: financial contribution remains high, pre-tax profits of foreign institutions continue to grow steadily, and the Group's contribution is leading the market; the main business is growing with high quality, asset scale, loans, bond investment and loans from financial institutions are growing rapidly; asset quality is stable, and the non-performing rate is declining. Looking forward to the future, the Bank of China will seize the opportunities of globalization development, such as the restructuring of the global industrial chain, the acceleration of Chinese enterprises going to sea, and the enhancement of the international influence of the RMB, and continue to transform the advantages of globalization into the internal driving force of long-term profit growth. strive for a new breakthrough in the important contribution of overseas business to the Group during the 14th five-year Plan period.

A：Through the growth of foreign institutional loans and bond business, we have enhanced the proportion of demand deposits of foreign institutions on the asset side, enhanced the ability to obtain low-cost funds, and established a world-leading group fund pool system to achieve effective global fund allocation and provide long-term stable and low-cost financial support. At the same time, we will continue to strengthen interest rate and exchange rate risk management, optimize our business structure, and use foreign currency interest rate spreads to promote the high-quality development of overseas assets and liabilities.

A：We have achieved full coverage of major international financial centers, the payment and clearing system covers more than 60 countries and regions, the number of RMB clearing banks remains the first in the industry, is the only PPS clearing bank in Asia Pacific designated by the London Clearing House and the first Chinese clearing member. Global custody services cover more than 100 countries and regions. This extensive layout and perfect financial infrastructure have become our competitive advantage to seize opportunities and enhance customer stickiness. In terms of supporting Chinese enterprises to go to sea, we will provide a full chain of products and services, build an integrated system and trading model in asset allocation and financial market business, broaden valet and global custody services, and further enhance the contribution of financial market business.

A：Since 2026, in the face of a complex environment, Bank of China has continued to strengthen active credit risk management, improve the level of refined management, improve the quality and efficiency of collection and disposal, and maintain a low non-performing rate in the first half of the year. Among them, the non-performing balance and non-performing rate of foreign institutions have achieved a double decline, the bank's overall provision coverage rate of more than 200, the risk offset capacity is sufficient. In the second half of the year, despite the complex external environment, the economy is expected to be stable and improving. Bank of China will continue to coordinate development and safety, study and judge risks forward, strictly abide by the bottom line of asset quality, optimize credit structure, strengthen risk management and control in key areas, ensure the stability of overseas asset quality, and maintain stable asset quality and reasonable and sufficient risk replenishment capacity throughout the year.

A：Bank of China attaches great importance to the development of science and technology finance. In the first half of this year, science and technology loans accounted for more than one third of public loans, and has provided credit support to more than 200000 science and technology enterprises. In the "14th Five-Year Plan", science and technology finance is listed as an important starting point for serving the national strategy and planning for future transformation. In the next five years, BOC will continue to play the role of the main force of state-owned banks, build an agile and accurate strategic support system, and enhance the professionalism and adaptability of science and technology financial services through the full-cycle customer model, the product support led by the whole station, the risk management system enabled by science and technology, and the professional and efficient capability guarantee system. Specifically, from the industrial layout to expand the chain into the face, product system to the new iteration of the two directions, around the needs of scientific and technological innovation enterprises at different stages of development to build a full-chain product service system, and accurately serve the financing needs of different industrial chains, while giving full play to the advantages of globalization, deepen the financial services of key industrial chains.

A：The Bank of China is focusing on building a mutually beneficial and win-win technology and finance ecosystem. On the one hand, it has strengthened the internal coordination of the Group, launched the Bank of China's scientific and technological innovation through-type customer cultivation plan, realized the coordinated linkage of stock, loan, debt and lease protection, and provided long-term integrated and relay cultivation services for key core technology enterprises; on the other hand, it has continued to expand the cooperation ecosystem, strengthen cooperation with various national and local industry guidance funds, insurance asset management institutions, exchanges, securities funds and banks, and gather resources from all parties. At present, more than 70 events have been held to attract the participation of many technology companies and investment institutions, And will continue to enrich the connotation of cooperation and expand the scope of partners.

A：Bank of China is characterized by cross-border business. In view of the changes in the mode and characteristics of enterprises going to sea, Bank of China will continue to make efforts from four aspects. First of all, consolidate the advantages and characteristics, and comprehensively consolidate the basic plate of cross-border services; Secondly, focus on the pain points and blocking points of overseas enterprises to help solve the difficult problems of overseas enterprises. Thirdly, strengthen accurate empowerment and continuously improve the professional service toolbox. Finally, we will gather various forces and actively build an offshore service ecosystem.

A：In the first half of the year, the Bank of China tapped the potential of consumption and service consumption by helping residents to increase their income, enhance their consumption capacity and tap both sides of supply and demand. Specific measures include supporting employment and entrepreneurship, increasing residents' property income, strengthening supply-side support (such as cultural tourism and pension industry loan balance growth), promoting the implementation of personal consumption loan discount policy, building AVIC travel brand, launching theme credit card allocation rights activities, etc., and doing a lot of work in optimizing the consumption environment and cross-border characteristic services, aiming to better promote the development of the consumer market.

A：In recent years, China's social financing structure is undergoing profound changes, and the global interest rate environment has also shown a significant differentiation. In this context, China's bond market is developing rapidly, and RMB bond financing has ushered in a booming development opportunity. Bank of China continues to optimize and improve its bond business service system, making it a new competitive advantage. Specifically, the scale of underwriting bonds has increased significantly. In the first half of the year, the underwriting scale in the inter-bank bond market exceeded 750 billion, and there were more than 300 service issuers. Through the independent bond distribution system, the sales volume of credit bonds increased by more than 30% year-on-year.

A：Bank of China has formulated a special action plan for the debt capital market and incorporated the bond issuance business into the group's development strategy. Its strategic initiatives include the construction of an integrated service system for business investment and banking to efficiently respond to customer needs, provide a package of financing services, and realize a one-stop closed-loop service for bond underwriting and distribution. Global service capability is its core advantage. It has successfully issued cross-border RMB bonds and occupied a leading position in many markets at home and abroad. For example, the panda bond market has ranked first for many years in a row, and the offshore bond market has also made remarkable achievements. There are many main underwriting projects and the transaction amount is huge.

A：In terms of artificial intelligence enabling operation and management, the Bank of China has formulated an additional construction plan and implementation plan, built a 326 artificial intelligence enabling system, and achieved a series of results, such as building a basic base to serve the whole group, building a unified and reliable technology platform and model platform, and solving the problems of computing power deployment and model selection of branches. To create a comprehensive coverage of the application scenarios, incubate more than 2000 intelligent assistants, it is applied to customer service, marketing, credit, wind control, operation and other fields to activate new business momentum; establish a performance-based safety governance mechanism to ensure that artificial intelligence innovation always runs on a safe and controllable track. In the future, Bank of China will continue to strengthen its technology base, promote the two-way adaptation of artificial intelligence and business processes, improve the efficiency of technology empowerment, and strengthen security governance to promote compliance applications and development.