Core Viewpoint - Construction Bank is actively implementing the loan interest subsidy policy for service industry entities, aiming to support sectors such as catering, accommodation, health, and elderly care, with a focus on ensuring the effective use of funds and compliance with regulations [1][2] Group 1: Policy Implementation - The Ministry of Finance and nine other departments issued a notice on August 12 regarding the implementation of the loan interest subsidy policy, which provides a 1% annual subsidy on loan principal for eligible service industry entities, with a maximum loan amount of 1 million yuan per entity [1] - Construction Bank has promptly announced the subsidy policy and is enhancing its promotional efforts to ensure that service industry entities are aware of the policy [1] - The bank is also modifying its operational processes to facilitate online signing of supplementary agreements and collection of usage proof materials [1] Group 2: Fund Usage Monitoring - Construction Bank employs a combination of online and offline verification methods to monitor the use of funds for subsidized loans, ensuring that the policy benefits the eligible market entities [1] - The bank has established several mechanisms to strengthen the management of the use of operating loans, including strict customer admission criteria and contractual agreements specifying the use of loan funds for business operations [1] - The bank has implemented automated system prompts during the loan disbursement process to remind customers of the compliance requirements for loan usage [1] Group 3: Financial Performance - As of the end of September, Construction Bank reported total assets of 45.37 trillion yuan, an increase of 11.83% compared to the end of the previous year [2] - The total amount of loans and advances reached 27.68 trillion yuan, reflecting a growth of 7.10% [2] - The non-performing loan ratio stood at 1.32%, a decrease of 0.02 percentage points from the end of the previous year, while the provision coverage ratio increased to 235.05%, up by 1.45 percentage points [2]

Core Viewpoint - China Construction Bank (CCB) reported solid performance in Q3 2025, focusing on enhancing its capabilities to support the real economy and maintain financial stability, while exploring high-quality development paths [1] Financial Performance - Operating income reached 560.281 billion RMB, a year-on-year increase of 1.44% [2] - Pre-provision profit was 411.36 billion RMB, up 1.03% year-on-year [2] - Net profit amounted to 258.446 billion RMB, reflecting a 0.52% increase compared to the previous year [2] - Net profit attributable to shareholders was 257.36 billion RMB, with a growth of 0.62%, marking an acceleration in growth over two consecutive quarters [2] - Non-interest income from fees and commissions rose to 89.668 billion RMB, a 5.31% increase year-on-year [2] - Total assets reached 45.37 trillion RMB, growing 11.83% from the end of the previous year [2] - Total loans and advances stood at 27.68 trillion RMB, up 7.10% from the end of last year [2] - Total liabilities increased to 41.71 trillion RMB, a 12.05% rise from the end of the previous year [2] - Non-performing loan ratio improved to 1.32%, down 0.02 percentage points from the end of last year [2] Business Development - CCB is actively supporting the real economy, with loans to the manufacturing sector exceeding 3.5 trillion RMB [3] - Loans to private enterprises surpassed 6.7 trillion RMB, demonstrating strong support for the private sector [3] - Green loan balance reached 5.89 trillion RMB, reflecting an 18.38% increase since the beginning of the year [3] - The bank issued over 500 billion RMB in green bonds and participated in underwriting 98 domestic green and sustainable development bonds, totaling 292.878 billion RMB [3] - Inclusive finance services improved significantly, with loans to small and micro enterprises reaching 3.81 trillion RMB, an increase of 397.69 billion RMB [3] Risk Management - CCB is enhancing its risk management framework, focusing on integrated risk control across its subsidiaries and institutions [4] - The bank aims to improve its risk monitoring and early warning systems through the development of an intelligent risk control system [4] - Future plans include aligning with the goals set forth in the 20th National Congress of the Communist Party of China, focusing on financial development in line with national modernization efforts [4]

Core Insights - The six major state-owned banks in China, including Industrial and Commercial Bank of China (ICBC), Agricultural Bank of China, Bank of China, China Construction Bank, Postal Savings Bank of China, and Bank of Communications, have released their third-quarter financial reports, showing varied performance in revenue and net profit growth [1][2]. Group 1: Financial Performance - ICBC reported a third-quarter revenue of 201.886 billion yuan, a year-on-year increase of 2.42%, and a net profit of 101.805 billion yuan, up 3.29%. For the first three quarters, revenue reached 610.968 billion yuan, growing by 1.98%, with a net profit of 269.908 billion yuan, an increase of 0.33% [1]. - Agricultural Bank of China achieved third-quarter revenue of 180.981 billion yuan, a 4.30% year-on-year increase, and a net profit of 81.349 billion yuan, up 3.66%. For the first three quarters, revenue was 550.774 billion yuan, growing by 1.87%, with a net profit of 220.859 billion yuan, an increase of 3.03% [1]. - Bank of China reported third-quarter revenue of 162.201 billion yuan, a 0.58% increase year-on-year, and a net profit of 60.069 billion yuan, up 5.09%. For the first three quarters, revenue was 491.204 billion yuan, growing by 2.69%, with a net profit of 177.66 billion yuan, an increase of 1.08% [1]. - China Construction Bank's third-quarter revenue was 179.429 billion yuan, a decline of 1.98%, while net profit increased by 4.06% to 95.808 billion yuan. For the first three quarters, revenue was 573.702 billion yuan, growing by 0.82%, with a net profit of 258.446 billion yuan, an increase of 0.52% [2]. - Bank of Communications reported third-quarter net operating income of 66.561 billion yuan, a year-on-year increase of 4.23%, and a net profit of 23.978 billion yuan, up 2.46%. For the first three quarters, net operating income was 200.059 billion yuan, growing by 1.86%, with a net profit of 69.994 billion yuan, an increase of 1.9% [2]. - Postal Savings Bank of China achieved third-quarter revenue of 85.634 billion yuan, a 2.48% year-on-year increase, and a net profit of 27.334 billion yuan, up 1.23%. For the first three quarters, revenue was 265.08 billion yuan, growing by 1.82%, with a net profit of 76.562 billion yuan, an increase of 0.98% [2].

Core Insights - The core viewpoint of the article highlights the financial performance of China Construction Bank in the third quarter and the first three quarters of the year, indicating a mixed performance with a decline in revenue but an increase in net profit [1] Financial Performance Summary - In the third quarter, the bank reported a revenue of 179.429 billion yuan, representing a year-on-year decrease of 1.98% [1] - The net profit for the third quarter was 95.808 billion yuan, showing a year-on-year increase of 4.06% [1] - For the first three quarters, the total revenue reached 573.702 billion yuan, which is a year-on-year growth of 0.82% [1] - The net profit for the first three quarters amounted to 258.446 billion yuan, reflecting a year-on-year increase of 0.52% [1]

Core Insights - The report indicates that the bank achieved a net profit of 258.446 billion yuan for the first three quarters of 2025, with a year-on-year growth of 0.52% and 0.62% for the group and the bank's shareholders respectively [1] - The annualized average return on assets is 0.80%, while the annualized weighted average return on equity stands at 10.32% [1] Financial Performance - The bank's net interest income for the first three quarters was 427.606 billion yuan, reflecting a decrease of 3.00% compared to the same period last year [1] - The net interest margin is reported at 1.36%, down by 16 basis points year-on-year [1] - Non-interest income reached 132.675 billion yuan, marking an increase of 18.96% year-on-year, with fee and commission income contributing 89.668 billion yuan, up by 5.31% [1] Asset and Liability Overview - As of September 30, 2025, total assets amounted to 45.37 trillion yuan, an increase of 4.80 trillion yuan or 11.83% from the end of the previous year [1] - Total loans and advances reached 27.68 trillion yuan, up by 1.84 trillion yuan or 7.10% [1] - Financial investments increased to 12.35 trillion yuan, reflecting a growth of 1.67 trillion yuan or 15.61% [1] - Total liabilities were reported at 41.71 trillion yuan, an increase of 4.49 trillion yuan or 12.05% [1] - Deposits amounted to 30.65 trillion yuan, with an increase of 1.94 trillion yuan or 6.75% [1] Loan Quality Metrics - Non-performing loans totaled 365.474 billion yuan, an increase of 20.783 billion yuan from the end of the previous year [2] - The non-performing loan ratio is at 1.32%, which is a decrease of 0.02 percentage points from the end of the previous year [2] - The provision coverage ratio stands at 235.05%, an increase of 1.45 percentage points year-on-year [2] - The loan provision ratio is reported at 3.11%, down by 0.01 percentage points from the end of the previous year [2]

新华财经北京10月30日电 中国建设银行30日公布三季度经营业绩。前三季度，建行经营收入、非利息 净收入、拨备前利润、净利润均实现同比正增长。经营收入5602.81亿元，较上年同期增长1.44%。拨备 前利润4113.60亿元，较上年同期增长1.03%。净利润2584.46亿元，较上年同期增长0.52%；归属于本行 股东的净利润2573.60亿元，较上年同期增长0.62%，连续两个季度增速提升。 建行收入结构持续优化，前三季度手续费及佣金净收入896.68亿元，较上年同期增长5.31%。核心指标 保持同业领先优势，净利息收益率1.36%，年化平均资产回报率0.80%，年化加权平均净资产收益率 10.32%，成本收入比25.53%，继续保持同业较优水平。 资产质量方面，截至三季度末，建行不良贷款率1.32%，较上年末下降0.02个百分点；拨备覆盖率 235.05%，较上年末上升1.45个百分点；资本充足率19.24%。 （文章来源：新华财经） 截至三季度末，建行集团资产总额45.37万亿元，较上年末增长11.83%，其中发放贷款和垫款总额27.68 万亿元，较上年末增长7.10%。建行集团负债总额41.71万亿 ...

格隆汇10月30日丨建设银行(601939.SH)公告称，公司发布2025年第三季度报告，第三季度实现营业收 入1794.29亿元，同比下降1.98%；归属于本行股东的净利润为952.84亿元，同比增长4.19%。前三季度 实现营业收入5737.02亿元，同比增长0.82%；归属于本行股东的净利润为2573.6亿元，同比增长 0.62%。 ...

Core Points - A heartfelt story emerged from China Construction Bank's Changsha Huda branch, where staff assisted a nonagenarian living in Canada with the complex process of losing and replacing a social security card [1][2] - The bank's proactive approach included establishing a special coordination mechanism and maintaining communication with various parties involved, showcasing their commitment to customer service [1][2] Group 1 - The bank received a request from a customer whose elderly father in Canada lost his social security card and forgot the password, preventing him from accessing his pension [1] - The branch prioritized this case and initiated a specialized service process, demonstrating a customer-centric approach [2] - Staff utilized multiple communication methods, including face-to-face meetings, phone calls, and video conferencing, to guide the customer through the necessary steps [1] Group 2 - The bank's efforts resulted in the successful completion of the social security card loss report, account closure, new card application, and activation [1] - The experience provided practical insights for the bank in addressing the financial service needs arising from an aging population and increased mobility [2] - The elderly customer expressed gratitude through a video call, highlighting the warmth and support felt from their home country [1]

Core Insights - Construction Bank reported a decrease in operating income for Q3 2025, with a total of 174.38 billion yuan, down 1.77% year-on-year, while net profit increased by 4.19% to 95.28 billion yuan [1] - For the first nine months of 2025, the bank's operating income rose by 1.44% to 560.28 billion yuan, and net profit increased by 0.62% to 257.36 billion yuan [1] - As of September 30, 2025, total assets reached 45.37 trillion yuan, an increase of 4.80 trillion yuan or 11.83% from the end of the previous year [1] Financial Performance - The total amount of loans and advances was 27.68 trillion yuan, up 1.84 trillion yuan or 7.10% from the end of the previous year [1] - Financial investments amounted to 12.35 trillion yuan, increasing by 1.67 trillion yuan or 15.61% [1] - The bank's non-performing loans stood at 365.47 billion yuan, an increase of 20.78 billion yuan, with a non-performing loan ratio of 1.32%, down 0.02 percentage points from the end of the previous year [1] Capital and Liquidity - Total liabilities reached 41.71 trillion yuan, an increase of 4.49 trillion yuan or 12.05% [2] - Deposits amounted to 30.65 trillion yuan, up 1.94 trillion yuan or 6.75% [2] - The capital adequacy ratio was reported at 19.24%, with a Tier 1 capital ratio of 15.19% and a core Tier 1 capital ratio of 14.36% [2]

中国建设银行股份有限公司 2025年第三季度资本管理第三支柱 信息披露报告 | | 引言 1 | | --- | --- | | 1.1 | 报告依据 1 | | 1.2 | 声明 1 | | | 关键审慎监管指标和风险加权资产概览 2 | | 2.1 | 关键审慎监管指标概览 2 | | 2.2 | 风险加权资产概览 5 | | | 全球系统重要性银行评估指标 6 | | | 杠杆率 7 | | | 流动性风险 9 | | 报表索引 | 10 | 2025 年第三季度资本管理 第三支柱信息披露报告 引言 1.1 报告依据 本报告编制依据为国家金融监督管理总局发布的《商业银行资本管理办法》。 1.2 声明 本行严格遵守监管规定，建立资本管理第三支柱信息披露治理架构，制定管理办法。 本行董事会批准并由高级管理层实施有效的内部控制流程，全面提升信息披露标准化和流 程化管理水平，确保披露信息真实、可靠。 本报告已经高级管理层审核，并于2025年10月30日提交董事会审议通过。 1 2025 年第三季度资本管理 第三支柱信息披露报告 关键审慎监管指标和风险加权资产概览 2.1 关键审慎监管指标概览 根据监管要求，本行 ...