本公告乃根據《香港聯合交易所有限公司證券上市規則》第13.10B條刊登。茲載列 該公告（於上海證券交易所網站刊登）如下，僅供參閱。 香港交易及結算所有限公司及香港聯合交易所有限公司對本公告之內容概不負責，對其準確性 或完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何部分內容而產生或因依 賴該等內容而引致之任何損失承擔任何責任。 （ 於 中 華 人 民 共 和 國 註 冊 成 立 的 股 份 有 限 公 司 ） (A joint stock company incorporated in the People's Republic of China with limited liability) （股份代號：00939） 非經營性資金佔用及其他關聯資金往來情況的專項說明 特此公告。 中國建設銀行股份有限公司 董事會 2026年3月27日 於本公告日期，本行的執行董事為張金良先生、張毅先生和紀志宏先生，本行 的非執行董事為辛曉岱女士、劉芳女士、李璐女士、李莉女士、竇洪權先生和 史劍先生，本行的獨立非執行董事為威廉 • 科恩先生、梁錦松先生、詹誠信勛爵、 林志軍先生和張為國先生。 ѣളᔰ䇴䬬㺂㛗Գᴿ䲆ޢ ...

Core Viewpoint - In 2025, the China Construction Bank (CCB) aims to achieve high-quality development and strengthen its operations, marking a significant year as it concludes the "14th Five-Year Plan" and embarks on its 70th anniversary journey, focusing on effective quality improvement to drive reasonable growth in performance [1][10]. Financial Performance - As of the end of 2025, CCB's total assets reached 45.63 trillion yuan, an increase of 12.47%, with loans and financial investments accounting for nearly 90% [2][12]. - The net amount of loans and advances was 26.93 trillion yuan, up by 7.53%, while financial investments totaled 12.90 trillion yuan, reflecting a growth of 20.72% [2][12]. - The total liabilities amounted to 41.95 trillion yuan, increasing by 12.68%, with deposits reaching 30.84 trillion yuan, a rise of 7.39% [2][12]. - CCB achieved an operating income of 740.87 billion yuan, a growth of 1.69%, and a net profit of 339.79 billion yuan, up by 1.04% [2][12]. Business Development - CCB is actively exploring new models for financial services, with loan growth in key sectors like manufacturing exceeding the average loan growth rate [2][12]. - The bank is transitioning towards light asset and light capital operations, with emerging businesses such as wealth management and investment banking showing significant progress, leading to a 5.13% increase in net fee and commission income [2][12]. Risk Management - CCB maintains a stable asset quality with a non-performing loan ratio of 1.31%, and a provision coverage ratio of 233.15% [2][12]. - The bank has implemented comprehensive risk management strategies, enhancing its ability to manage risks effectively across various sectors [6][15]. Customer Service and Innovation - CCB has strengthened its customer-centric approach, establishing a unified customer profiling system and enhancing cross-selling capabilities [4][14]. - The bank's digital finance initiatives have led to significant advancements, including the application of AI in various financial services, with a user base of 546 million for its digital platforms [3][13]. Future Outlook - In 2026, CCB plans to deepen its commitment to national strategies, support domestic demand, and enhance its service capabilities in rural finance and modernization efforts [8][18]. - The bank aims to optimize its service models based on customer needs, focusing on market penetration and product coverage [8][18].

（ 於 中 華 人 民 共 和 國 註 冊 成 立 的 股 份 有 限 公 司 ） (A joint stock company incorporated in the People's Republic of China with limited liability) （股份代號：00939） 關於續聘會計師事務所的公告 本公告乃根據《香港聯合交易所有限公司證券上市規則》第13.10B條刊登。茲載列 該公告（於上海證券交易所網站刊登）如下，僅供參閱。 特此公告。 中國建設銀行股份有限公司 董事會 2026年3月27日 香港交易及結算所有限公司及香港聯合交易所有限公司對本公告之內容概不負責，對其準確性 或完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何部分內容而產生或因依 賴該等內容而引致之任何損失承擔任何責任。 本次续聘事项尚需提交本行股东会审议。 本行董事会于 2026 年 3 月 27 日审议通过了《关于聘用 2026 年 度外部审计师的议案》。具体情况如下： 股票代码：601939 股票简称：建设银行 公告编号：2026-010 中国建设银行股份有限公司 关于续聘会计师事务所的公告 本行董 ...

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告之內容概不負責，對其準確性 或完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何部分內容而產生或因依 賴該等內容而引致之任何損失承擔任何責任。 特此公告。 中國建設銀行股份有限公司 董事會 2026年3月27日 於本公告日期，本行的執行董事為張金良先生、張毅先生和紀志宏先生，本行 的非執行董事為辛曉岱女士、劉芳女士、李璐女士、李莉女士、竇洪權先生和 史劍先生，本行的獨立非執行董事為威廉 • 科恩先生、梁錦松先生、詹誠信勛爵、 林志軍先生和張為國先生。 （ 於 中 華 人 民 共 和 國 註 冊 成 立 的 股 份 有 限 公 司 ） (A joint stock company incorporated in the People's Republic of China with limited liability) （股份代號：00939） 2025年度利潤分配方案公告 本公告乃根據《香港聯合交易所有限公司證券上市規則》第13.10B條刊登。茲載列 該公告（於上海證券交易所網站刊登）如下，僅供參閱。 股票代码：601939 股票简称：建设银行 ...

| 公司简介 | 01 | | --- | --- | | 报告说明 | 01 | | 董事长致辞 | 03 | | 2025亮点聚焦 | 04 | | 战略：做好五篇大文章，助力金融强国建设 | 06 | | 重要性议题识别与分析 | 08 | | 建立议题清单 | 08 | | 议题重要性的评估与确认 | 10 | | 双重重要性议题分析结果 | 11 | 厚植根基沃土 持续稳健前行 | ESG治理架构 | 13 | | --- | --- | | ESG履职评价 | 15 | 深耕绿色金融 创新绿色未来 | 治理 | 17 | | --- | --- | | 战略 | 18 | | 影响、风险和机遇管理 | 31 | | 指标与目标 | 34 | 普惠润泽民生 增进百姓福祉 | 科技金融 | 40 | | --- | --- | | 普惠金融 | 42 | | 养老金融 | 48 | | 数字金融 | 50 | | 消费者权益保护 | 52 | | 数据安全与客户隐私保护 | 58 | | 员工发展 | 63 | | 社区公益 | 67 | 提升运营效能 筑牢成长基石 71 | 反商业贿赂及反贪污 | ...

11中國建設銀行股份有限公司 2025年度資本管理第三支柱信息披露報告 1111 | 1 | 引言 1 | | --- | --- | | 1.1 | 銀行簡介 1 | | 1.2 | 報告依據 1 | | 1.3 | 聲明 1 | | 2 | 風險管理、關鍵審慎監管指標和風險加權資產概覽 2 | | 2.1 | 關鍵審慎監管指標概覽 2 | | 2.2 | 風險管理和風險加權資產概覽 5 | | 2.2.1 | 風險管理 5 | | 2.2.2 | 風險加權資產概覽 7 | | 3 | 資本和總損失吸收能力的構成 8 | | 3.1 | 資本工具和合格外部總損失吸收能力非資本債務工具的主要特徵 8 | | 3.2 | 資本構成 8 | | 3.3 | 集團財務併表和監管併表下的資產負債表差異 11 | | 3.4 | 總損失吸收能力構成 12 | | 3.5 | 重要子集團實體和處置實體的債權人受償順序 13 | | 4 | 財務報表與監管風險暴露間的聯繫 16 | | 4.1 | 財務數據和監管數據間差異的原因 16 | | 5 | 薪酬 17 | | 5.1 | 薪酬政策 17 | | 6 | 信用風險 ...

第 1 頁 共 2 頁 v 1.1.1 | EF002 | | | --- | --- | | 代扣所得稅信息 | | | 股息所涉及的代扣所得稅 | 有待公佈 | | 發行人所發行上市權證/可轉換債券的相關信息 | | | 發行人所發行上市權證/可轉換債券 | 不適用 | | 其他信息 | | | 可就部分股息行使貨幣選擇權只適用於香港中央結算(代理人)有限公司。 | | | 發行人董事 | | | 於本公告日期，中國建設銀行股份有限公司("本行")的執行董事為張金良先生、張毅先生和紀志宏先生，本行的非執行董事為辛曉 岱女士、劉芳女士、李璐女士、李莉女士、竇洪權先生和史劍先生，本行的獨立非執行董事為威廉·科恩先生、梁錦松先生、詹誠 | | | 信勛爵、林志軍先生和張為國先生。 | | 免責聲明 | 香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其準確性或完整性亦不發表任何聲明，並明確表示，概不對因 | 公告全部或任何部份內容而產生或因倚賴該等內容而引致的任何損失承擔任何責任。 | | --- | --- | | | 股票發行人現金股息（可選擇貨幣）公告 | | 發行人名稱 | 中 ...

Core Insights - China Construction Bank held its 2025 annual performance conference, addressing the recent "deposit maturity wave" in the market [1] - The bank's savings deposits have grown rapidly, exceeding 18 trillion yuan, with time deposits nearing 12 trillion yuan, and the overall acceptance rate for maturing deposits is currently favorable [1] Group 1 - During the 14th Five-Year Plan period, the structure of residents' financial asset allocation has changed, with funds flowing towards new formats like funds [2] - This trend is expected to continue into the 15th Five-Year Plan period, prompting the bank to adapt its strategies accordingly [2] - The bank anticipates that by 2025, its personal AUM will surpass 23 trillion yuan, an increase of 2.41 trillion yuan from the previous year, driven by rapid growth in funds, insurance, and precious metals [2] Group 2 - The bank plans to enhance its wealth management offerings by diversifying its product range to cater to different customer preferences [2]

Financial Data and Key Indicators Changes - In 2025, the net profit increased by 1.04% to CNY 339 billion, and operating income rose by 1.69% quarter-on-quarter [5][28] - Profit before provision increased by 1.7% year-on-year, with a net interest margin (NIM) of 1.34%, return on assets (ROA) at 0.79%, and return on equity (ROE) at 10.04% [5][6] - The capital adequacy ratio stood at 19.69%, and the cost-to-income ratio was 29.44%, with a net income ratio of 22.69% [6][7] Business Line Data and Key Indicators Changes - Total assets increased by 12% to CNY 45.363 trillion, with gross loans to customers rising by 7.47% to CNY 27.77 trillion [7][8] - Financial investments grew by 12.9% to CNY 12.9 trillion, while liabilities also increased by 12% to CNY 41.65 trillion [7][8] - Deposits rose by 7%, and the non-performing loan (NPL) ratio remained low at 1.31% [6][7] Market Data and Key Indicators Changes - Loans to key sectors under the Five Priorities showed double-digit growth, with technology loans exceeding CNY 5 trillion, up by 89% [9][45] - Green finance loans reached CNY 6 trillion, and inclusive finance loans stood at CNY 3.69 trillion, reflecting strong growth in these areas [9][45] - The bank's digital finance segment saw significant growth, with mobile banking users reaching 546 million and digital economy loans growing by 18.7% to CNY 891 billion [10][9] Company Strategy and Development Direction - The company aims to consolidate and expand traditional strengths while tapping into potential for high-quality development, focusing on the Five Priorities [18][19] - Plans for 2026 include supporting national strategies, enhancing consumer financial services, and expanding financial services for infrastructure projects [19][20] - The company is committed to integrating commercial and retail banking, enhancing service capabilities, and optimizing customer service models [20][21] Management's Comments on Operating Environment and Future Outlook - Management highlighted the importance of maintaining a strong focus on risk management and adapting to the evolving economic landscape [22][23] - The outlook for 2026 includes a commitment to high-quality development and a proactive approach to risk management, particularly in retail loans [77][78] - The company is confident in its ability to achieve long-term sustainable performance while supporting the real economy [36][37] Other Important Information - The provision coverage ratio is 233.15%, indicating strong risk management capabilities [6][35] - The company has advanced its AI capabilities, integrating AI technology across various business segments to enhance operational efficiency [82][86] Q&A Session Summary Question: What are the core drivers behind the good performance in 2025? - Management attributed success to stable NIM structure, comprehensive services, cost management, and effective risk control measures [30][34][35] Question: What is the new arrangement for loan disbursement compared with 2024? - The company plans to enhance capacity to support the real economy, focusing on residential and retail consumption loans while maintaining competitiveness [43][44] Question: What measures have been adopted in terms of risk management? - The company emphasized a focus on high-quality development, enhancing risk management systems, and maintaining a low NPL ratio through proactive measures [75][78] Question: What are the key initiatives regarding AI technology? - The company is implementing AI across all business segments, improving foundational capabilities, and enhancing customer service through smart applications [82][86]

Financial Data and Key Indicators Changes - In 2025, the company reported a net profit increase of 1.04% to RMB 339 billion, with operating income rising by 1.69% quarter-on-quarter [5][6] - The net interest margin (NIM) stood at 1.34%, return on assets (ROA) at 0.79%, return on equity (ROE) at 10.04%, and capital adequacy ratio at 19.69% [5][6] - The non-performing loan (NPL) ratio was reported at 1.31%, with a provision coverage ratio of 233.15% [6][7] Business Line Data and Key Indicators Changes - Total assets increased by 12% to RMB 45.363 trillion, while gross loans to customers rose by 7.47% to RMB 27.77 trillion [7] - Financial investments grew by 12.9% to RMB 12.9 trillion, and deposits increased by 7% [7] - Technology finance loans exceeded RMB 5 trillion, with green finance loans reaching RMB 6 trillion, marking a 20.54% increase [9][10] Market Data and Key Indicators Changes - The company reported a significant increase in loans to key sectors, with double-digit growth in technology, green finance, and inclusive finance [9][42] - Loans in key regions such as Beijing, Tianjin, Hebei, and the Greater Bay Area maintained steady growth, outperforming the bank-wide average [11][43] - The retail finance sector showed strong competitiveness, with domestic loans exceeding RMB 9 trillion, accounting for 32% of total loans [43] Company Strategy and Development Direction - The company aims to support the national strategy and enhance its role as a leading financial institution in China, focusing on the Five Priorities of finance business [18][19] - Plans for 2026 include expanding financial services for infrastructure projects and enhancing financial services based on local conditions [19][20] - The company is committed to high-quality development, integrating commercial and retail banking, and enhancing customer service capabilities [20][21] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in maintaining steady growth and improving asset quality, emphasizing the importance of risk management [72][73] - The company plans to adapt to macroeconomic changes and enhance its risk control measures, particularly in retail loans [72][73] - The outlook for NIM in 2026 is cautiously optimistic, with expectations of a slower decline due to improved asset-liability management [49][54] Other Important Information - The company dispatched a total dividend of RMB 106 billion, with an interim dividend of RMB 1.858 per 10 shares and a final dividend of RMB 2 per 10 shares [8] - The company has made significant advancements in digital finance, with mobile banking users reaching 546 million and digital economy loans growing by 18.7% to RMB 891 billion [10] Q&A Session All Questions and Answers Question: What are the core drivers behind the good performance in 2025? - Management attributed the success to stable NIM structure, comprehensive services, cost management, and enhanced risk management capabilities [26][27][30][31] Question: What is the new arrangement in terms of regional disbursement and sectors for 2026? - The company plans to support modern industrial clusters, enhance competitiveness in the real estate sector, and focus on consumer financing [40][45][46] Question: Can you introduce the NIM influences in terms of supply and demand sides? - The NIM narrowed by two basis points in 2025, influenced by savings deposit repricing and proactive management strategies [49][50][54] Question: What are the key initiatives that CCB has with respect to AI technology? - The company is implementing AI across all business segments, enhancing computational power, and improving service efficiency through smart applications [76][80]