Financial Performance - For the third quarter of 2025, the operating income was RMB 174,376 million, a decrease of 1.77% compared to the same period last year[6]. - The net profit for the same period was RMB 95,808 million, reflecting an increase of 4.06% year-on-year[6]. - The net profit attributable to shareholders was RMB 95,284 million, up by 4.19% compared to the previous year[6]. - The net profit for the nine months ended September 30, 2025, was 258.45 billion RMB, representing a year-on-year growth of 0.52%[28]. - The bank's pre-tax profit for the nine months ended September 30, 2025, was RMB 289,581 million, a decrease of 2.36% from RMB 297,638 million in 2024[45]. - The bank's operating income for the nine months ended September 30, 2025, was RMB 560,281 million, a slight increase from RMB 552,347 million in the same period of 2024[31]. Cash Flow and Liquidity - The cash flow from operating activities for the nine months ended September 30, 2025, was RMB 1,817,380 million, a significant increase of 90.33% year-on-year[8]. - The net cash flow from operating activities for the nine months ended September 30, 2025, was RMB 1,817,380 million, compared to RMB 954,869 million for the same period in 2024, indicating an increase of 90.24%[47]. - The bank's cash and cash equivalents increased to RMB 1,156,321 million as of September 30, 2025, from RMB 1,385,789 million at the end of 2024, marking a decrease of 16.49%[51]. - The bank's net cash flow from financing activities was RMB 105,108 million for the nine months ended September 30, 2025, compared to a net outflow of RMB 19,844 million in 2024[49]. Assets and Liabilities - Total assets as of September 30, 2025, reached RMB 45,369,094 million, representing an increase of 11.83% from December 31, 2024[6]. - Total liabilities increased to RMB 41,712,953 million as of September 30, 2025, compared to RMB 37,227,184 million at the end of 2024, reflecting a growth of 12.0%[40]. - The bank's total liabilities and equity reached RMB 45,369,094 million as of September 30, 2025, compared to RMB 40,571,149 million as of December 31, 2024, an increase of 11.06%[42]. Shareholder Information - The equity attributable to shareholders was RMB 3,633,387 million, up by 9.37% compared to the previous year[6]. - The total number of ordinary shareholders as of September 30, 2025, was 343,236, with A-share shareholders numbering 307,319[9]. - The largest shareholder, Central Huijin Investment Ltd., held 54.51% of the H-shares[9]. - As of September 30, 2025, total equity attributable to shareholders reached RMB 3,633,387 million, up from RMB 3,322,127 million as of December 31, 2024, representing an increase of 9.36%[42]. Loan and Deposit Information - The total loans and advances issued reached 27.68 trillion RMB, increasing by 1.84 trillion RMB or 7.10% year-on-year[24]. - The total deposits absorbed were 30.65 trillion RMB, up by 1.94 trillion RMB or 6.75% from the previous year[25]. - The net increase in deposits from customers and other financial institutions was RMB 3,475,094 million for the nine months ended September 30, 2025, compared to RMB 2,209,613 million in 2024, reflecting a growth of 57.36%[47]. Income and Expenses - The non-interest income was 132.68 billion RMB, an increase of 18.96% compared to the same period last year[28]. - Interest income for the nine months ended September 30, 2025, was RMB 867,068 million, a decrease of 7.6% compared to RMB 938,135 million in the same period of 2024[31]. - Net interest income for the same period was RMB 427,606 million, down 3.0% from RMB 440,817 million year-over-year[31]. - The bank's net fee and commission income for the nine months ended September 30, 2025, was RMB 89,668 million, an increase of 5.9% from RMB 85,144 million in 2024[31]. Credit and Impairment - The bank's non-performing loan ratio was 1.32%, a decrease of 0.02 percentage points from the end of the previous year[24]. - The bank's credit impairment losses for the nine months ended September 30, 2025, were RMB 121,763 million, an increase of 11.1% compared to RMB 109,583 million in 2024[31]. - The bank's credit impairment losses increased to RMB 121,763 million for the nine months ended September 30, 2025, from RMB 109,583 million in 2024, reflecting a rise of 11.04%[45]. Other Financial Activities - The company reported a significant increase in deposits and net interbank and other financial institution placements, contributing to the cash flow growth[8]. - The balance of green loans reached 5.89 trillion yuan, an increase of 18.38% compared to the beginning of the year[17]. - The cumulative amount of technology enterprise acquisition loan projects reached 143.46 billion yuan, with 37 projects completed[17]. - The total scale of the second pillar management of the Jianxin Pension Fund reached 700.90 billion yuan, an increase of 11.78% from the end of the previous year[21]. - The balance of inclusive loans for small and micro enterprises reached 3.81 trillion yuan, an increase of 397.69 billion yuan compared to the end of the previous year[21]. - The company has issued multiple green bonds with a total issuance amount exceeding 50 billion yuan[17]. - The company participated in underwriting 98 domestic green and sustainable development bonds, with a total issuance scale of 292.88 billion yuan[17]. - The cumulative number of users on the "Yunong Tong" platform reached 76.24 million, with over 31 million users on the online platform[21]. - The company has completed the filing of 19 out of 21 pilot funds for equity investment in 15 cities[17]. - The company has launched the "Anxin" series of corporate pension products, covering multiple scenarios such as salary benefits and medical supplements[21]. - The total number of mobile banking and "CCB Life" users reached 542 million, with monthly active users at 244 million, a year-on-year increase of 12.71%[22].

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。 00939 董事會會議決議公告 （2025年10月30日） 本行於2017年12月在境內市場發行600億元人民幣境內優先股（優先股代碼： 360030，優先股簡稱：建行優1）。根據相關法律法規、《公司章程》以及優先 股條款的規定，本行制定建行優1股息分配方案如下： 獨立非執行董事認為本行境內優先股股息分配方案符合法律法規及《公司章 程》相關規定。獨立非執行董事同意本項議案。 三、關於建行歐洲向盧森堡分行借入次級貸款的議案 中國建設銀行股份有限公司（「本行」）董事會會議（「本次會議」）於2025年10月30日 在北京以現場會議方式召開。本行於2025年10月15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13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。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 ...

Group 1 - The article discusses a promotional event by a bank, offering a chance to win WeChat discount coupons and cultural creative images through story listening activities [2][3][11] - The event runs from October 28, 2025, to November 12, 2025, and participants can earn chances to win by listening to stories [7][16] - Participants have a daily limit of three listening opportunities, and listening to an audio for at least 20 seconds qualifies them for a draw [6][8] Group 2 - The prizes include 660,000 WeChat discount coupons, which can be used for purchases over 1.01 yuan, and a limited number of cultural creative images [3][13] - To participate, users can access the event through the "Construction Bank Life" app or by clicking a designated button [4][11] - The WeChat discount coupons are valid for three days from the date of receipt and will expire thereafter without renewal [16]

Group 1 - The article promotes a financial rewards program for wealth management clients, offering incentives for asset increases in October and rewards in November [4][7]. - Clients with an average financial asset amount of at least 50,000 yuan in October can receive up to 60 yuan in WeChat discount vouchers in November [4]. - Clients who maintain or increase their financial assets compared to September can enter a draw for up to 188 yuan in WeChat discount vouchers [6]. - Clients who upgrade to a higher wealth management level for the first time this year can receive rewards of up to 206 yuan [7]. Group 2 - The article emphasizes that the more assets clients increase, the higher the rewards they can receive [4]. - The promotional period for the rewards is from November 10 to December 9 [6][7]. - The program is designed to encourage clients to enhance their financial assets and engage with the wealth management services [4][7].

Core Viewpoint - The article emphasizes the importance of comprehensive retirement planning and the services offered by China Construction Bank (CCB) to enhance the quality of life for retirees through various financial products and personalized services [4][5][10]. Group 1: Retirement Services - CCB has launched the "Healthy and Secure Retirement Nine Enjoyments" service, focusing on not just financial security but also quality of life for retirees [4]. - The bank offers a retirement account system that provides a clear overview of total retirement assets and expected payouts, helping clients manage their retirement funds effectively [5][10]. - CCB has established over 200 specialized retirement financial service outlets across the country, providing personalized, face-to-face assistance [10]. Group 2: Financial Products - The bank has a rigorous product selection mechanism to cater to different age groups, offering a variety of financial products such as wealth management and insurance [7]. - CCB promotes a "Healthy Ecosystem" by integrating high-quality social retirement service resources, providing diverse and valuable retirement benefits [16]. Group 3: Educational Initiatives - CCB conducts nationwide seminars and consultations to educate clients about retirement policies and wealth management, enhancing their understanding of personal pension policies [11]. - The bank has developed a mobile classroom initiative to bring educational resources directly to clients, making retirement planning more accessible [11]. Group 4: Customer Engagement - CCB has introduced the "Elderly Care Club," which organizes various social activities to enrich retirees' lives and expand their social networks [19]. - The bank offers exclusive discounts and benefits through the "Elderly Care Coupons," which can be redeemed by clients aged 50 and above [13][14].

Core Viewpoint - The article promotes the China Construction Bank's Dragon Card Auto Platinum Card, highlighting its various benefits and promotional activities aimed at enhancing customer experience and engagement in the automotive sector [9][32]. Group 1: Card Features and Benefits - The Dragon Card Auto Platinum Card offers exclusive privileges such as charging discounts, free chauffeur services, and complimentary car washes [12][14][15]. - Cardholders can enjoy a 50% discount on charging fees, with a maximum discount of 10 RMB per transaction, limited to four times per month [12]. - The card provides 1% cashback on overseas transactions, with a monthly cap of 300 RMB, and a total cashback pool of 1.08 million RMB during the promotional period [17]. Group 2: Promotional Activities - From July 1, 2025, to December 31, 2025, new cardholders who spend 5,000 RMB within 90 days can receive a customized travel suitcase, limited to the first 10,000 participants [21]. - A special offer allows cardholders to redeem 100,000 points for a 290 RMB annual fee reduction, with the annual fee set at 580 RMB [32][36]. - The card also includes a unique feature where cardholders can receive a discount coupon for 288 RMB on custom card numbers, valid until February 28, 2026 [19]. Group 3: Additional Services - The card provides comprehensive travel insurance, including up to 5 million RMB in air accident insurance for ticket purchases [29]. - In case of card loss abroad, cardholders can receive compensation for unauthorized transactions up to 20,000 RMB per year [31]. - The card is designed for both domestic and international use, with transactions processed in RMB, eliminating foreign exchange fees [23].

Core Points - The article introduces a new mobile banking feature that allows users to transfer money using just the recipient's phone number, eliminating the need to remember bank account numbers [3][14]. - The feature is accessible through the "China Construction Bank" app, enhancing user convenience for money transfers [5][13]. Group 1 - The mobile phone transfer function simplifies the transfer process by allowing users to input only the recipient's phone number [3][14]. - Users can easily navigate to the transfer section within the app and complete transactions with minimal steps [5][8]. - The article emphasizes the importance of setting up the phone number for receiving payments to utilize this feature effectively [14][15]. Group 2 - The app provides a user-friendly interface for managing transfer limits and available balances, ensuring transparency during transactions [11]. - Users are encouraged to set up their phone number for receiving payments, which enhances the overall convenience of the service [15].

Group 1 - The article discusses a promotional campaign by China Construction Bank, offering a "1 cent purchase" activity where users can receive discounts on purchases [5][7]. - Users must have their mobile numbers consistently bound across China Construction Bank's APP, Jianhang Life APP, and WeChat to participate in the promotion [7]. - The promotion is limited to 500,000 participants daily, and each user can participate only once during the campaign period [7]. Group 2 - The discount can only be used with China Construction Bank's debit or credit cards, and once selected, the card type cannot be changed [7]. - The discount must be used within 30 days after being claimed [7]. - The bank reserves the right to modify the terms and conditions of the promotion, including eligibility and reward methods, with prior notice on the activity page [7].

三、中国建设银行应督促上述核准任职资格人员持续学习和掌握经济金融相关法律法规，牢固树立风险 合规意识，熟悉任职岗位职责，忠实勤勉履职。 二、中国建设银行应要求上述核准任职资格人员严格遵守金融监管总局有关监管规定，自中国建设银行 政许可决定作出之日起3个月内到任，并按要求及时报告到任情况。未在上述规定期限内到任的，本批 复文件失效，武威金融监管分局将办理行政许可事项注销手续。 2025年10月29日，武威金融监管分局发布批复称，《中国建设银行（601939）甘肃省分行关于贾乃琰拟 任武威分行副行长高级管理人员任职资格核准的请示》（建甘报〔2025〕261号）收悉。经审核，现批 复如下： 一、核准贾乃琰中国建设银行武威分行副行长的任职资格。 ...

Core Viewpoint - China Construction Bank's wholly-owned subsidiary, Jianxin Financial Leasing Co., Ltd., has received approval to increase the registered capital of its subsidiary, Jianxin Shipping and Aviation Financial Leasing Co., Ltd. [1] Group 1: Capital Increase Details - Jianxin Shipping and Aviation's registered capital will be changed from $300 million to $300 million and 3 billion RMB [1] - The bank will strictly follow legal and regulatory requirements to complete the capital increase procedures as soon as possible [1]