资本管理第三支柱

信息披露报告

2025半年度

20234

“”

2025829

2025

KM1

2025

2025

20241231

2024

2024

13,728,5323,690,7903,624,3423,564,5193,477,14424,093,6594,015,9113,949,4533,889,5473,832,17235,245,2195,089,1994,986,5314,916,5794,812,406426,848,40126,580,03925,710,85525,546,15325,123,4884a26,848,40126,580,03925,710,85525,546,15325,123,4885(%)13.8913.8914.1013.9513.845a(%)13.8913.8914.1013.9513.846(%)15.2515.1115.3615.2315.256a(%)15.2515.1115.3615.2315.257(%)19.5419.1519.3919.2519.167a(%)19.5419.1519.3919.2519.168(%)2.502.502.502.502.509(%)–––––

(%)1.501.501.501.501.5011(%)(8+9+10)4.004.004.004.004.00

(%)8.898.899.108.958.841354,635,30853,728,50350,964,81950,447,69549,146,13614(%)7.497.477.757.717.8014aa(%)

(1)

7.497.477.757.717.8014bb(%)

(2)

7.577.567.727.757.7714cc(%)

(3)

7.577.567.727.757.77

2025

2025

20241231

2024

2024

(4)1510,127,1539,311,9918,690,1858,724,5498,162,224167,858,4797,692,1626,198,0296,314,8286,115,72717(%)128.94121.09140.25138.20133.651834,604,25034,141,72132,853,47032,555,90732,086,1621927,211,98026,873,60725,635,26325,109,43325,016,80920(%)127.17127.05128.16129.66128.26(1)(2)(3)(4)KM2

2025630202533115,966,4295,803,700226,848,40126,580,03931/222.22%21.83%454,635,30853,728,50351/410.92%10.80% 20251116%

4%2.5%1.5%20%

KM1

2025

OV1

202563020253312025630124,508,47724,165,3471,960,678

24,113,35023,753,2031,929,06838,287,4768,190,001662,998

388,052385,43631,044612,704,08512,492,4531,016,3277–––83,121,7893,070,749249,7439210,356214,90316,82810210,356214,90316,82811–––12–––1347,39740,2803,79214133,087152,55010,6471571,78792,0445,7431661,73061,2454,938171250%15141184,2874,41134319–––206416365121–––

1250%3,6463,77529222407,644481,27032,61123407,465481,07532,59724–––25179195142691,79592,9377,344271,840,4851,840,485147,23928––

26,848,40126,580,0392,147,872

CCA

20256https://www.icbc-ltd.com/column/1438058327061184580.html

CC1

20256301504,264e+g23,190,9562a464,331h2b614,718i2c2,111,907j355,19044,123

3,754,5336–718,942a-c89,441b-k-d9–10(2,382)11–12–

–14–15–

–

2025

2025630

–

–19–

15%–21–

–23–24–

26,001

3,728,53227364,34428364,34429–30783

365,12732–

–

–

CC1

202563035–36–37–

–

365,127

4,093,65941732,865421,21143417,484

1,151,56045–

TLAC–

–47aTLAC

–

–48aTLAC

–49–

–

1,151,560

5,245,219

26,848,401

13.89%

15.25%

19.54%

(%)4.00

CC1

2025

2025630

582.5059–

1.50

(%)8.89

625.00%

636.00%

648.00%65135,19065aTLAC

76,5386633,831

96,5866874,2966974,29670343,18871343,188

CC1

CC2

2025630

13,055,7723,055,7722533,049505,0533297,643297,6434714,388714,3885128,229128,22961,772,6641,771,545729,371,88729,371,887815,568,42815,229,953

956,846837,866

4,016,3653,818,9651110,595,21710,573,1221277,71685,69613281,018280,9411419,24819,2481596,61496,58616401,275389,9031719,42018,942a1823,11822,921b

13,48013,480k

52,317,93151,946,84420161,252161,252214,581,2884,581,28822588,847588,847

109,106108,95924115,218115,218251,726,5871,705,199

2025

2025630

26442,147442,1472736,904,55636,904,7062844,13043,7922938,75038,694302,599,3392,594,285316,0045,06332––c

––d34861,831530,817

48,179,05547,820,26736356,407356,40737356,407356,407e38––f39364,344364,34440134,614134,61441229,730229,73042147,857147,857g4346,86355,19044464,776464,331h45615,138614,718i462,119,3072,111,907j474,114,6924,114,7544824,18411,823

4,138,8764,126,577

“”

20256302025

2025“”

CC2

TLAC1

2025630TLAC13,728,5322365,1273TLAC–4TLAC365,12751,151,56061–7TLAC–8TLAC1,151,5609TLAC5,245,219TLAC10TLAC50,00011TLAC12 TLAC13671,21014TLAC5,966,429TLAC15TLAC5,966,42916TLAC

–17TLAC–18TLAC–19TLAC5,966,4292026,848,4012154,635,308TLAC22TLAC22.22%23TLAC10.92%24TLAC

6.22%

25(%)4.0026 2.5027 –28 1.50

2025

TLAC2

1/

(1)

TLAC

40,33425,3368,95774,62743––––

3440,33425,3368,95774,62765TLAC40,33425,3368,95774,627

2––––

5––8,9578,957

10––––10610

––––11640,33425,336–65,670

(1)

TLAC3

TLAC

513,234134,614229,730744,32450,0001,671,90232––––––

23513,234134,614229,730744,32450,0001,671,90254TLAC513,234134,614229,730730,00050,0001,657,578

2––––––

5––––50,00050,000

10–––572,000–572,0009510

–––158,000–158,000105513,234134,614229,730––877,578

2025

CR5-2

2025630

(2)140%17,169,880360,24750.42%18,412,138240 – 70%3,985,087417,20050.92%4,217,143375%1,029,293197,76734.10%966,979485%49,49830,56633.53%57,193590 – 100%3,537,025571,30228.26%2,765,9556105 – 130%52,99511,17839.92%55,6517150%223,4985,78441.55%209,3068250%309,844––309,8449400%3,465––3,465101250%20,767––20,767

26,381,3521,594,04440.16%27,018,441

(1)(2)

CR6

2025630

(%)

[0.00,0.15)2,040,952545,98819.51%2,147,4920.09%56139.81%2.5555,11625.85%744[0.15,0.25)1,209,933563,46229.65%1,377,0130.15%1,82839.06%2.5541,13539.30%807[0.25,0.50)3,085,7031,329,50218.68%3,334,0650.34%6,81839.30%2.51,735,66652.06%4,472[0.50,0.75)––––––––––[0.75,2.50)7,337,0273,018,05818.35%7,890,8041.50%149,66838.02%2.56,421,30981.38%44,698[2.50,10.00)3,016,646840,08320.92%3,192,4104.32%380,08837.71%2.53,266,048102.31%52,180[10.00,100.00)108,76115,21876.25%120,36443.62%11,06634.71%2.5177,151147.18%18,478100238,1132,88013.75%238,509100.00%13,66939.39%2.57,6603.21%187,869

17,037,1356,315,19120.01%18,300,6573.07%563,69838.48%2.512,704,08569.42%309,248603,153

[0.00,0.15)4,40534315.01%4,4560.10%440.00%2.51,17526.36%2[0.15,0.25)11,3565,1550.01%11,3570.15%1240.00%2.53,77833.27%7[0.25,0.50)25,41917,0170.12%25,4400.34%2640.00%2.512,82550.41%34[0.50,0.75)––––––––––[0.75,2.50)90,97847,2180.99%91,4431.61%13439.72%2.585,82293.85%582[2.50,10.00)29,96215,5215.64%30,8374.10%4439.56%2.538,005123.24%500[10.00,100.00)244––24456.00%140.00%2.5433177.80%541001,237––1,238100.00%539.87%2.5––931

163,60185,2541.66%165,0152.55%22639.76%2.5142,03886.08%2,1103,830

2025

2025630

(%)

(1)

[0.00,0.15)3,138,621––3,138,6210.07%72430.80%180,5735.75%720[0.15,0.25)621,353––621,3530.20%12632.13%81,04113.04%405[0.25,0.50)535,469––535,4690.34%12430.24%95,49417.83%551[0.50,0.75)––––––––––[0.75,2.50)1,272,646––1,272,6461.97%28329.94%726,48857.08%7,454[2.50,10.00)––––––––––[10.00,100.00)308,013––308,01321.18%7427.42%388,818126.23%18,31910060,162––60,162100.00%1444.21%78,743130.89%26,599

5,936,264––5,936,2642.63%1,34330.66%1,551,15726.13%54,04871,148

[0.00,0.15)43,618788,84846.37%409,4090.10%5,73453.27%12,4643.04%209[0.15,0.25)1,7551,19220.71%2,0020.22%33453.20%1226.10%2[0.25,0.50)41,247214,47648.31%144,8660.34%2,53354.48%12,9368.93%270[0.50,0.75)1475,32132.73%1,8890.66%6650.64%26413.99%6[0.75,2.50)50,64658,16156.42%83,4631.35%43156.85%22,72227.22%643[2.50,10.00)77,12628,20959.69%93,9639.09%66457.50%95,228101.35%4,916[10.00,100.00)6,7711,35032.91%7,21556.87%8957.73%9,950137.91%2,37310017,1642–17,164100.00%8264.90%25,727149.89%11,139

238,4741,097,55947.51%759,9714.19%9,93354.72%179,41323.61%19,55829,073

CR6

2025630

(%)

(1)

[0.00,0.15)195,4063,82025.90%196,3960.11%7464.62%34,51917.58%144[0.15,0.25)114,587––114,5860.18%3965.75%28,46324.84%137[0.25,0.50)576,741––576,7410.35%22962.15%206,39735.79%1,246[0.50,0.75)250,639––250,6390.53%12563.63%119,83947.81%867[0.75,2.50)563,841––563,8411.52%29866.95%436,33977.39%5,981[2.50,10.00)302,676––302,6764.35%18360.85%268,37988.67%8,099[10.00,100.00)185,678––185,67821.76%13165.93%234,601126.35%26,80410041,973––41,973100.00%4669.15%62,682149.34%29,026

2,231,5413,82025.90%2,232,5304.83%1,12664.20%1,391,21962.32%72,30494,971

8,406,2791,101,37947.44%8,928,7653.31%12,40241.10%3,121,78934.96%145,910195,192

(1)

CR6

2025

CCR1

α2025630

(RC)(PFE)(Add-on)α186,471251,6541.4473,374139,635

31,371,92466,576

1,845,298206,211

SEC1

2025630

STCSTCSTC

584––584––––1,303––1,3032529––529––––1,303––1,303342––42––––––––413––13––––––––5–––––––––

99––99––––––––799––99––––––––8––––––––––––9––––––––––––10––––––––––––11–––––––––SEC2

2025

MR1

202563014,942243531,21246,11557,1976–7–812,5859–10–11111

32,597

MR3

2025630

+1–––2–––3–––412––5–

14––

GSIB1

https://www.icbc-ltd.com/column/1438058343653851145.html

2025

LR1

2025630152,317,9312(371,087)3–4487,482563,44462,163,5397–8–9–10–11–12(26,001)

54,635,308

LR2

2025

2025

150,870,15550,305,0762(938,763)(920,997)3(26,001)(24,886)

49,905,39149,359,193

122,805181,0166482,713393,0587––8––

––1010,19212,58711––

615,710586,661131,887,2231,625,10214––1563,44468,35716––

1,950,6671,693,459

2025

LR2

2025

2025

189,010,6148,638,62019(6,823,427)(6,527,172)20(23,648)(22,258)

2,163,5392,089,190224,093,6594,015,9112354,635,30853,728,503

247.49%7.47%24aa

(1)

7.49%7.47%

254.00%4.00%

260.75%0.75%271,307,0671,031,61627a1,887,2231,625,10228a

(2)

54,055,15253,135,01728ab

(3)

54,055,15253,135,01729b

(4)

7.57%7.56%

29ac

(5)

7.57%7.56%

(1)(2)(3)(4)(5)

LIQ1

2025

110,127,153220,376,4762,033,058372,5752,668420,303,9012,030,390519,003,1507,697,05968,324,8312,016,708710,439,9025,441,9348238,417238,417912,144105,094,2472,824,610

2,625,9122,625,912

––132,468,335198,69814108,165108,067157,927,397105,3601612,780,298171,239,724943,625182,206,5371,362,455192,622,5462,615,739206,068,8074,921,8192110,127,153227,858,47923(%)128.94

2025128.94%7.85

2025

LIQ2

2025630

<66-12≥1

14,537,318––612,8655,150,18324,537,318––612,8655,150,1833–––––48,026,80013,111,92525,5097,68519,062,204541,97673,35318,8436,770134,23367,984,82413,038,5726,66691518,927,97178,712,29913,245,1771,453,603103,2909,599,98788,247,500494,6816,5631,3064,375,6789464,79912,750,4961,447,040101,9845,224,30910–––––11–1,302,540187,445785,688791,8761287,53413–1,302,540187,445698,154791,8761434,604,250151,658,65916300,89956,2989,50112,476196,102171,1848,078,3644,727,41921,888,41824,016,00318–931,5006,83830,341172,621

–1,670,615277,436101,827491,137

–4,861,5774,077,44114,519,27416,710,632

2025630

<66-12≥1

21 35%–2,316,38988,632343,6761,412,07922–2,0233,7326,020,7435,115,77923 35%–31330024,05916,027

1,184612,649361,9721,216,2331,525,83425–––––26332,480607,80431,822335,4001,093,3952739,04933,192

113,40096,3902998,81311,27930104,408

(1)

20,88231293,431607,80431,822123,187931,6523210,538,391247,8213327,211,98034(%)127.17 (1) 26“”

LIQ2

2025

2025331

<66-12≥114,431,186––562,8994,994,08524,431,186––562,8994,994,0853–––––47,949,62713,104,73112,7727,30518,974,559539,05987,18810,4845,736135,63167,910,56813,017,5432,2881,56918,838,92878,675,34713,062,9771,129,175164,6939,324,93788,226,550501,0858,4681,2944,369,3459448,79712,561,8921,120,707163,3994,955,59210–––––116,1851,165,323197,253873,252848,14012129,925136,1851,165,323197,253743,327848,1401434,141,721151,581,30516297,90124,1278,46611,773177,299171,4207,506,0314,586,45621,797,73223,715,21718–878,7234,02426,886159,170

–1,358,786409,20886,974495,396

–4,786,4463,713,89114,328,85816,337,7012135%–2,103,03473,532353,4471,303,10622–1,5233,3396,075,5415,161,903

LIQ2

2025331

<66-12≥12335%–27126324,14416,052

1,420480,553455,9941,279,4731,561,04725–––––26327,621608,83438,995422,6161,159,4412736,15930,735

119,399101,48929145,25515,33030149,275

(1)

29,85531291,462608,83438,995157,962982,0323210,223,166240,3453326,873,60734(%)127.05 (1) 26“”

2025

127.17%0.12

LIQ2

中國北京市西城區復興門內大街郵編號