939 2024年度業績公告 中國建設銀行股份有限公司（「本行」）董事會謹此宣佈本行及所屬子公司（「本集 團」）截至2024年12月31日止年度，根據適用的《香港聯合交易所有限公司證券上市 規則》披露要求及國際會計準則理事會頒佈的國際財務報告準則編製的已審核業 績。本行董事會審計委員會已審閱2024年度業績，外部審計師已出具無保留意見 的審計報告。 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 賴該等內容而引致的任何損失承擔任何責任。 中國建設銀行股份有限公司 董事會 2025年3月28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 非執行董事為田博先生、夏陽先生、劉芳女士和李璐女士，本行的獨立非執行董 事為格雷姆•惠勒先生、米歇爾•馬德蘭先生、威廉•科恩先生、梁錦松先生、 詹誠信勛爵和林志軍先生。 重要提示 本行董事會、監事會及董事、監事、高級管理人員保證本年度報告內容的真實、準確、完 整，不存在虛假記載、誤導性陳述或重大遺漏，並承擔個別和連帶的法律責任。 本 ...

Core Points - Construction Bank reported a revenue of 750.15 billion yuan for 2024, a decrease of 2.54% year-on-year, while net profit attributable to shareholders was 328.47 billion yuan, an increase of 0.28% [1][2] Financial Performance - The net interest income for 2024 was 589.88 billion yuan, down 4.43%, with a net interest margin of 1.51%, a decline of 0.19 percentage points from the end of 2023 [2] - Non-interest income reached 160.27 billion yuan [2] Asset Quality and Growth - Total assets exceeded 40 trillion yuan, reaching 40.57 trillion yuan by the end of 2024 [2] - The non-performing loan ratio improved to 1.34% [2] - Total loans amounted to 25.04 trillion yuan, an increase of 8.48% year-on-year [2] Sector-Specific Developments - In technology finance, the bank's loans to technology-related industries exceeded 4.70 trillion yuan, with a year-on-year increase of 20% in green loans, totaling 4.70 trillion yuan [2] - Inclusive finance loans reached 3.41 trillion yuan, up 12.01%, with 3.36 million clients, an increase of 185,100 clients [2] Customer Base - The bank served 11.68 million corporate clients and 771 million individual clients, emphasizing stable operations and high-quality development [2]

Group 1 - The report assesses the effectiveness of internal controls over financial reporting for China Construction Bank and its subsidiaries as of December 31, 2024 [1] - The responsibility for establishing and maintaining effective internal controls lies with the board of directors of the bank [1] - The auditors' responsibility is to express an opinion on the effectiveness of internal controls based on the audit work performed [1] Group 2 - The report highlights the inherent limitations of internal controls, which may not prevent or detect misstatements [1] - Despite these limitations, the auditors concluded that the bank maintained effective internal controls over financial reporting in all material respects as of the specified date [1]

Core Viewpoint - The report outlines the non-operating fund occupation and other related fund transactions of China Construction Bank and its subsidiaries for the year 2024, emphasizing the importance of compliance with regulatory requirements and the integrity of financial disclosures [1][2]. Group 1: Financial Reporting - The financial statements audited include the consolidated and bank balance sheets as of December 31, 2024, along with the income statements, changes in shareholders' equity, and cash flow statements for the year 2024 [1]. - The responsibility for the authenticity, legality, and completeness of the non-operating fund occupation and related transactions summary lies with the bank [2]. Group 2: Audit Procedures - The audit firm conducted a review of the summary table against the audited financial statements and found no significant inconsistencies [2]. - Additional audit procedures were not performed on the summary table beyond those executed for the financial statements [2].

Core Viewpoint - The independent directors of China Construction Bank have effectively fulfilled their roles in decision-making, supervision, and professional consultation, contributing to the bank's high-quality development and management improvement [2][23]. Group 1: Independent Directors' Roles and Responsibilities - The independent directors, including Graham Wheeler and Michel Madelan, have actively participated in board meetings and committees, providing valuable insights on macroeconomic trends and technological developments [1][2][23]. - The board consists of six independent directors from various countries, ensuring a diverse range of expertise in finance, regulation, and management [2][3]. - Independent directors have maintained their independence and objectivity, complying with relevant laws and regulations [2][3]. Group 2: Meeting Attendance and Participation - Wheeler attended all three shareholder meetings and 9 out of 11 board meetings, while Madelan attended all meetings, demonstrating their commitment to governance [5][26]. - The board held 31 committee meetings, reviewing a total of 226 proposals, indicating active engagement in governance [4][26]. Group 3: Risk Management and Compliance - Independent directors have emphasized the importance of risk management, focusing on credit risk, compliance, and the impact of geopolitical and economic changes on the bank's operations [7][9][29]. - They have guided the bank in enhancing its risk control mechanisms, particularly in real estate and inclusive finance sectors [9][29]. Group 4: ESG and Sustainable Development - The independent directors have integrated ESG considerations into the bank's operations, achieving a AAA rating in ESG from MSCI, which positions the bank as a leader in sustainable finance [10][30]. - Regular discussions on ESG progress and compliance with climate-related disclosure requirements have been conducted to ensure alignment with international standards [10][30]. Group 5: Financial Oversight and Reporting - Independent directors have closely monitored financial reporting, ensuring compliance with accounting standards and regulatory requirements [11][31]. - They have approved the annual financial reports and internal control evaluations, reinforcing the bank's commitment to transparency and accountability [11][32]. Group 6: Governance and Management Changes - The board has overseen the appointment and evaluation of senior management, ensuring that the bank's leadership aligns with its strategic goals [33]. - Independent directors have supported the development of performance evaluation schemes for management, promoting accountability and effective governance [33].

Core Viewpoint - The board of directors of China Construction Bank has conducted an evaluation of the independence of its independent directors, confirming their compliance with relevant regulations and their effective contribution to the bank's governance and development [1][2]. Summary by Sections Independent Directors' Evaluation - The board assessed the independence of independent directors Graham Wheeler, Michel Madelan, William Cohen, Liang Jinsong, Lord Zhen Chengxin, and Lin Zhijun, confirming they have adhered to laws, regulations, and the bank's articles of association [1]. - The independent directors have not held any positions other than that of director within the bank and have no direct or indirect interests that could affect their independent judgment [1][2]. Contributions and Compliance - The independent directors have effectively participated in decision-making, supervision, and provided professional advice, contributing to the bank's high-quality development and overall management improvement [1]. - The board recognizes and highly appreciates the contributions made by the independent directors, affirming their independence and compliance with the relevant requirements [2].

股票代码：601939 股票简称：建设银行 公告编号：临 2025-010 中国建设银行股份有限公司 本行董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈述或 者重大遗漏，并对其内容的真实性、准确性和完整性承担法律责任。 重要内容提示： ? 中国建设银行股份有限公司2024年末期利润分配，每股派发现金 股息人民币0.206元（含税）。 ? 本次利润分配以实施权益分派股权登记日登记的总股本为基数， 股权登记日将在股东大会会议资料中明确。 ? 本次利润分配方案尚需提交股东大会审议。 ? 不触及《上海证券交易所股票上市规则（2024年4月修订）》（以 下简称《股票上市规则》）第9.8.1条第一款第（八）项规定的可能被 实施其他风险警示的情形。 一、 利润分配方案内容 （一）利润分配方案的具体内容 根据经审计的按照中国会计准则和国际财务报告准则编制的 的比例提取法定公积金人民币 322.90 亿元。 （财金〔2012〕20 号）， 计提一般准备人民币 378.33 亿元。 | 项目 2024年 | 2023年 | | 2022年 | | | --- | --- | --- | --- | --- | | 现 ...

本行监事会及全体监事保证本公告内容不存在任何虚假记载、误导性陈述或 者重大遗漏，并对其内容的真实性、准确性和完整性承担法律责任。 中国建设银行股份有限公司（以下简称本行）监事会会议（以下 简称本次会议）于 2025 年 3 月 28 日在北京以现场会议方式召开。本 行于 2025 年 3 月 18 日以书面形式发出本次会议通知。半数以上监事 共同推举林鸿监事召集并主持会议。本次会议应出席监事 5 名，实际 亲自出席监事 5 名。本次会议的召开符合《中华人民共和国公司法》 和《中国建设银行股份有限公司章程》等规定。 股票代码：601939 股票简称：建设银行 公告编号：临 2025-009 本次会议审议并通过了如下议案： 中国建设银行股份有限公司 监事会会议决议公告 （2025 年 3 月 28 日） 五、关于 2024 年度监事会报告的议案 二、关于中国建设银行股份有限公司 2024 年度利润分配方案的 议案 议案表决情况：同意 5 票，反对 0 票，弃权 0 票。 三、关于《中国建设银行股份有限公司 2024 年可持续发展报告》 的议案 议案表决情况：同意 5 票，反对 0 票，弃权 0 票。 一、关于 2 ...

1. 同意本集团在符合相关法律法规、监管规则和本集团证券上 市地上市规则的前提下，2025 年于境内外市场发行金融债券不超过 7,450 亿元人民币等值。 1 股票代码：601939 股票简称：建设银行 公告编号：临 2025-008 中国建设银行股份有限公司 董事会会议决议公告 （2025 年 3 月 28 日） 本行董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈述或 者重大遗漏，并对其内容的真实性、准确性和完整性承担法律责任。 中国建设银行股份有限公司（以下简称本行）董事会会议（以下 简称本次会议）于 2025 年 3 月 28 日在北京以现场会议方式召开。本 行于 2025 年 3 月 14 日以书面形式发出本次会议通知。本次会议由张 金良董事长主持，应出席董事 13 名，实际亲自出席董事 12 名，詹诚 信董事委托米歇尔•马德兰董事代为出席并表决。本次会议的召开符 合《中华人民共和国公司法》《中国建设银行股份有限公司章程》（以 下简称《公司章程》）等规定。 本次会议审议通过如下议案： 一、关于集团金融债券年度发行计划的议案 表决情况：同意 13 票，反对 0 票，弃权 0 票。 2. 本次 ...

股票代码：601939 股票简称：建设银行 公告编号：临 2025-010 中国建设银行股份有限公司 2024 年度利润分配方案公告 本行董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈述或 者重大遗漏，并对其内容的真实性、准确性和完整性承担法律责任。 重要内容提示： 中国建设银行股份有限公司2024年末期利润分配，每股派发现金 股息人民币0.206元（含税）。 本次利润分配以实施权益分派股权登记日登记的总股本为基数， 股权登记日将在股东大会会议资料中明确。 本次利润分配方案尚需提交股东大会审议。 不触及《上海证券交易所股票上市规则（2024年4月修订）》（以 下简称《股票上市规则》）第9.8.1条第一款第（八）项规定的可能被 实施其他风险警示的情形。 一、 利润分配方案内容 （一）利润分配方案的具体内容 1 根据经审计的按照中国会计准则和国际财务报告准则编制的 2024 年度财务报告，2024 年度利润分配方案具体如下： 1. 以本行 2024 年度税后利润人民币 3,229.01 亿元为基数，按 10% 的比例提取法定公积金人民币 322.90 亿元。 2. 根据《金融企业准备金计提管理办法》（ ...