Financial Data and Key Indicators Changes - In 2025, the company reported a net profit increase of 1.04% to CNY 339 billion, with operating income rising by 1.69% quarter-on-quarter [4][23] - 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% [4][24] - The capital adequacy ratio stood at 19.69%, cost-to-income ratio at 29.44%, and non-performing loan (NPL) ratio at 1.31%, reflecting strong risk control [4][12] 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 [5] - Financial investments grew by 12.9% to CNY 12.9 trillion, while deposits increased by 7% [5] - Technology finance loans exceeded CNY 5 trillion, green finance reached CNY 6 trillion, and inclusive finance loans totaled CNY 3.83 trillion [7][39] Market Data and Key Indicators Changes - The company reported strong growth in key regions such as Beijing-Tianjin-Hebei, Yangtze River Delta, and Greater Bay Area, with domestic loans exceeding CNY 9 trillion [9][40] - The retail finance sector showed competitiveness, with personal consumption loans growing by 29.41% [8][40] - The international business loan balance reached CNY 1.5 trillion, with cross-border RMB settlement at CNY 6.5 trillion [10] Company Strategy and Development Direction - The company aims to support national strategies and enhance its role as a leading financial institution, focusing on the Five Priorities of finance business [16][17] - Plans for 2026 include expanding financial services for infrastructure projects and enhancing county-level financial services [17][18] - The company is committed to high-quality development, integrating commercial and retail banking, and enhancing customer service capabilities [19][33] Management's Comments on Operating Environment and Future Outlook - Management highlighted a stable and positive recovery trend in profit growth, attributing success to optimized asset quality and diversified income structure [23][24] - The outlook for 2026 includes a focus on supporting modern industrial clusters and responding to domestic demand [41][42] - Management emphasized the importance of risk management, particularly in retail loans, to maintain quality business [64][65] Other Important Information - The provision coverage ratio is 233.15%, indicating strong risk management capabilities [5][29] - The company has developed 12 enterprise-level models across ecosystems to enhance customer service and operational efficiency [11] - AI technology is being integrated across various business segments to improve service quality and operational efficiency [66][67] Q&A Session Summary Question: What are the core drivers behind the good performance in 2025? - Management attributed the performance to stabilized NIM structure, diversified income sources, and effective cost management [24][25] Question: Can you introduce the NIM influences in terms of supply and demand sides? - The CFO explained that NIM narrowed to 1.34% due to changes in savings deposits and proactive management strategies [44][46] Question: What measures have you adopted in terms of risk management? - Management emphasized a focus on high-quality development and effective risk control measures to maintain a low NPL ratio [62][63]

Core Viewpoint - China Construction Bank (CCB) reported stable growth in its 2025 annual performance, emphasizing its commitment to serving the national economy and enhancing financial quality while maintaining a balance between scale, structure, efficiency, and risk [1] Group 1: Financial Performance - Total assets reached 45.63 trillion yuan, an increase of 12.47% year-on-year [1] - Total liabilities amounted to 41.95 trillion yuan, up by 12.68% [1] - Net profit was 339.79 billion yuan, reflecting a growth of 1.04% [1] - Non-performing loan ratio stood at 1.31%, with a provision coverage ratio of 233.15% [1] Group 2: Loan and Investment Growth - Net loan issuance was 26.93 trillion yuan, increasing by 7.53% [2] - Bond investments rose to 12.43 trillion yuan, marking a 20.51% increase [2] - Customer deposits reached 30.84 trillion yuan, with a growth of 7.39% [2] Group 3: New Business Initiatives - CCB is focusing on new service models and has launched several service brands to support modern industrial systems [2] - The bank is transitioning towards light asset and capital models, enhancing wealth management and investment banking services [2] - The integration of technology has led to the application of AI in 398 scenarios within the bank [2] Group 4: Dividend Distribution - CCB plans to distribute a cash dividend of 2.029 yuan per share for the end of 2025, totaling approximately 53.08 billion yuan [3] - The total cash dividend for the year is projected at 3.887 yuan per share, amounting to around 101.68 billion yuan, maintaining a payout ratio of 30% [3] Group 5: Support for the Real Economy - CCB has actively supported the recovery of the national economy, with corporate loans reaching 15.69 trillion yuan, an increase of 8.70% [4] - Loans to the manufacturing sector grew by 15.83%, while loans to strategic emerging industries increased by 23.46% [4] - Personal consumption loans surged by 29.41%, demonstrating the bank's commitment to consumer finance [4] Group 6: Risk Management - CCB emphasizes comprehensive risk management, maintaining a focus on asset quality and proactive risk control [8] - The non-performing loan ratio decreased by 0.03 percentage points compared to the previous year [8] - The bank has strengthened its internal control and compliance management to protect consumer rights [8] Group 7: Operational Efficiency - CCB is implementing cost reduction and efficiency enhancement measures, focusing on agile management and digital transformation [9] - The bank's digital infrastructure has seen a 12.10% increase in total computing power [10] - The bank aims to provide a seamless customer experience through integrated service channels [10]

北京商报讯（记者 宋亦桐）3月27日，建设银行公布2025年度经营业绩，数据显示，截至报告期末，该 行实现资产总额45.63万亿元；负债总额41.95万亿元；2025年全年，实现经营收入7408.71亿元、同比增 幅1.69%，净利润3397.90亿元、同比增幅1.04%。 资金端，负债余额稳步增长，截至报告期末，吸收存款30.84万亿元、同比增幅7.39%，活期存款占比超 四成，存款付息率1.32%、下降33BPS，个人存款贡献度提升，管理个人客户金融资产突破23万亿元。 收入端，净利息收入降幅逐季收窄，非利息收入占比提升3.65个百分点，手续费及佣金净收入增幅 5.13%。 截至报告期末，建设银行不良贷款率较上年下降0.03个百分点，关注类贷款占比较上年下降0.12个百分 点。 ...

（文章来源：每日经济新闻） 每经AI快讯，3月27日，建设银行公告，2025年净利润3389.1亿元，同比增长1%。2025年净利息收入 5727.7亿元，同比下降2.9%。2025年手续费及佣金净收入1103.1亿元。 ...

Core Viewpoint - China Construction Bank (CCB) reported a steady improvement in its financial performance for the year 2025, with total operating income reaching 740.87 billion yuan, an increase of 1.69% compared to the previous year [1]. Financial Performance - Net profit for the year was 339.79 billion yuan, reflecting a growth of 1.04% year-on-year [1]. - The net profit attributable to shareholders was 338.91 billion yuan, up by 0.99% from the previous year [1]. - Average return on assets (ROA) stood at 0.79%, while the weighted average return on equity (ROE) was 10.04% [1]. Asset and Liability Growth - As of the end of 2025, the total assets of the group reached 45.63 trillion yuan, marking a growth of 12.47% [1]. - The balance of loans and financial investments accounted for nearly 90% of total assets, with net loans and advances amounting to 26.93 trillion yuan, an increase of 7.53% [1]. - Financial investments totaled 12.90 trillion yuan, reflecting a significant growth of 20.72% [1]. - Total liabilities reached 41.95 trillion yuan, with a growth of 12.68% [1]. - Deposits amounted to 30.84 trillion yuan, increasing by 7.39% [1]. Risk Management and Operational Efficiency - The asset quality remained stable, with a non-performing loan ratio of 1.31% [1]. - The bank's risk coverage capability is robust, with a provision coverage ratio of 233.15% [1]. - Key operational metrics indicate a balanced performance, with an average ROA of 0.79%, a net interest margin of 1.34%, a capital adequacy ratio of 19.69%, and a core Tier 1 capital adequacy ratio of 14.63% [1]. - The cost-to-income ratio was reported at 29.44% [1].

3月27日金融一线消息，建设银行公告，2025年实现经营收入7408.71亿元，增幅1.69%；净利息收入降 幅逐季收窄，非利息收入占比提升3.65个百分点，手续费及佣金净收入增幅5.13%；盈利表现逐季向 好，净利润3397.90亿元，增幅1.04%；归母净利润3389.06亿元，增幅0.99%；拨备前利润5139.82亿元、 增幅1.70%。2025年不良贷款率1.31%，较上年下降0.03个百分点，资产质量保持平稳；拨备覆盖率 233.15%，与上年末基本持平，风险抵补能力充足。 责任编辑：李琳琳 责任编辑：李琳琳 3月27日金融一线消息，建设银行公告，2025年实现经营收入7408.71亿元，增幅1.69%；净利息收入降 幅逐季收窄，非利息收入占比提升3.65个百分点，手续费及佣金净收入增幅5.13%；盈利表现逐季向 好，净利润3397.90亿元，增幅1.04%；归母净利润3389.06亿元，增幅0.99%；拨备前利润5139.82亿元、 增幅1.70%。2025年不良贷款率1.31%，较上年下降0.03个百分点，资产质量保持平稳；拨备覆盖率 233.15%，与上年末基本持平，风险抵补能力充足。 ...

（原标题：建设银行(00939)发布2025年度业绩，归母净利润3389.06亿元，同比增长0.99%） 智通财经APP讯，建设银行(00939)发布2025年度业绩，盈利表现逐季向好，全年实现经营收入7408.71 亿元，增幅1.69%。净利润3397.90亿元，较上年增长1.04%;归属于该行股东的净利润3389.06亿元，较上 年增长0.99%。平均资产回报率0.79%，加权平均净资产收益率10.04%。 规模增长"稳"、业务结构"进"。2025年末，集团资产总额45.63万亿元，增幅12.47%，其中贷款和金融 投资余额占比近九成，发放贷款和垫款净额26.93万亿元、增幅7.53%，金融投资12.90万亿元、增幅 20.72%。集团负债总额41.95万亿元，增幅12.68%，其中吸收存款30.84万亿元，增幅7.39%。 风险防控"稳"、经营质效"优"。资产质量保持平稳，不良贷款率1.31%，风险抵补能力充足，拨备覆盖 率233.15%。坚持价值创造，核心指标保持均衡协调，平均资产回报率0.79%、加权平均净资产收益率 10.04%、净息差1.34%、资本充足率19.69%、核心一级资本充足率14.6 ...

格隆汇3月27日丨建设银行(00939.HK)公布2025年年度业绩，2025年，盈利表现逐季向好，全年实现经 营收入7,408.71亿元(人民币，下同)、增幅1.69%。集团实现净利润3,397.90亿元，较上年增长1.04%；归 属于本行股东的净利润3,389.06亿元，较上年增长0.99%。平均资产回报率0.79% ，加权平均净资产收益 率10.04%。董事会建议向全体普通股股东派发2025年末期现金股息每10股人民币2.029元(含税)，股息总 额约人民币530.79亿元。 ...

Dividends and Shareholder Returns - The total cash dividend for the fiscal year 2025 is approximately RMB 101.68 billion, with a cash dividend of RMB 3.887 per 10 shares[6]. - The proposed final cash dividend for the fiscal year 2025 is RMB 2.029 per 10 shares, totaling approximately RMB 53.08 billion[6]. - The interim cash dividend distributed for the fiscal year 2025 was RMB 1.858 per 10 shares, amounting to approximately RMB 48.61 billion[6]. - The bank's total cash dividends for the fiscal year 2025 reflect a commitment to shareholder returns amidst ongoing business developments[6]. - The cash dividend proposed for the end of 2025 is RMB 2.029 per 10 shares, with a total cash dividend for the year of RMB 3.887 per 10 shares[42]. Financial Performance - Total operating income for 2025 was RMB 740.87 billion, a slight increase of 1.69% compared to RMB 728.57 billion in 2024[35]. - Net profit for 2025 reached RMB 339.79 billion, reflecting a growth of 1.04% from RMB 336.28 billion in 2024[35]. - The total assets as of December 31, 2025, amounted to RMB 45.63 trillion, representing a 12.47% increase from RMB 40.57 trillion in 2024[35]. - The net interest income decreased by 2.90% to RMB 572.77 billion in 2025 from RMB 589.88 billion in 2024[35]. - The bank's return on equity (ROE) stood at 10.04% for 2025[31]. - The average return on assets (ROA) decreased to 0.79% in 2025 from 0.91% in 2023, while the weighted average return on equity (ROE) fell to 10.04% from 11.56%[36]. - The cost-to-income ratio was reported at 29.44% in 2025, slightly increasing from 28.39% in 2023[36]. - The net cash flow from operating activities surged to RMB 2.10 trillion, a significant increase of 521.63% compared to RMB 338.02 billion in 2024[35]. Risk Management - The bank faces various risks including credit risk, market risk, and operational risk, and has implemented measures to manage these risks effectively[7]. - The company emphasizes strengthening risk management capabilities, focusing on asset quality and risk compensation, with ongoing improvements in risk internal control systems and smart risk control construction[44]. - A proactive and intelligent risk control system is being established to monitor potential risks and ensure asset quality management remains a top priority[49]. - The company plans to implement a dynamic adjustment mechanism for credit policies and approval processes to balance flexibility and control[49]. Customer Base and Services - The bank serves 785 million individual customers and 12.73 million corporate clients, with a total of 378,344 employees and 14,614 operating institutions[19]. - The bank is committed to enhancing its services in five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance[19]. - The bank's operational philosophy emphasizes market orientation and customer-centric services, focusing on compliance and risk management[20]. - The cumulative number of registered individual users on the "Jianhang Huidongni" platform reached 26.6 million, with a total of 5.32 billion visits[176]. - The total number of personal mobile banking wealth customers reached 44.52 million, an increase of 13.69% year-on-year[182]. Loans and Advances - The balance of technology loans reached RMB 5.25 trillion, with an increase of 18.91%[33]. - The balance of inclusive finance loans for small and micro enterprises reached RMB 3.83 trillion, growing by 12.37%[33]. - The balance of loans to the private economy reached CNY 6.72 trillion, growing by 12.17%[54]. - The total amount of domestic corporate loans and advances was RMB 15.69 trillion, with a year-on-year increase of RMB 1.26 trillion, representing a growth rate of 8.70%[194]. - The balance of loans directed towards the manufacturing industry was RMB 3.52 trillion, with a year-on-year increase of RMB 480.56 billion, representing a growth rate of 15.83%[194]. Investments and Financial Assets - The total financial investments amounted to RMB 12,897.35 billion, an increase from RMB 10,683.96 billion in the previous year[128]. - The bond investments accounted for 96.38% of total financial investments, with a year-on-year increase of RMB 2.12 trillion or 20.51%[130]. - The company's RMB bond investments amounted to RMB 11.84 trillion, up RMB 1.89 trillion or 19.01% year-on-year, while foreign currency bond investments increased by RMB 224.16 billion or 61.09%[132]. - The total amount of issued debt securities was CNY 2.59 trillion, an increase of CNY 206.93 billion or 8.67% from the previous year[145]. Corporate Governance and Compliance - The bank's board of directors guarantees the accuracy and completeness of the annual report, with no false statements or significant omissions[6]. - The bank's financial reports for the fiscal year 2025 were audited by Ernst & Young, with an unqualified opinion issued[7]. - Continuous efforts are being made to improve corporate governance and customer service systems, aiming to release internal vitality and drive high-quality development[46]. Sustainability and Green Finance - The bank's commitment to high-quality development is reflected in its strategic focus on innovation and advanced productivity[19]. - The total balance of green loans was CNY 6.00 trillion, indicating a robust growth in sustainable finance[54]. - The bank's cumulative investment in green projects reached CNY 43.5 billion, covering key areas such as wind power, solar energy, and environmental protection[173]. - The bank participated in underwriting 164 green and sustainable development bonds, with a total issuance scale equivalent to CNY 499.72 billion, a year-on-year increase of 168.11%[172].

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。 表決情況：同意14票，反對0票，棄權0票。 00939 董事會會議決議公告 （2026年3月27日） 中國建設銀行股份有限公司（「本行」）董事會會議（「本次會議」）於2026年3月27日在 北京以現場會議方式召開。本行於2026年3月13日以書面形式發出本次會議通知。 本次會議由張金良董事長主持，應出席董事14名，實際親自出席董事12名，張毅副 董事長委託紀志宏董事代為出席並表決，史劍董事委託辛曉岱董事代為出席並表 決。本次會議的召開符合《中華人民共和國公司法》《中國建設銀行股份有限公司章 程》（「《公司章程》」）等規定。 本次會議審議通過如下議案： 一、 關於《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》 的議案 《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》請參 見登載於香港交易及結算所有限公司「披露易」網站(www.hkexnews.hk)的相 關內容。 ...