Group 1 - The stock price of China Construction Bank reached a historical high, increasing by 2.24% to 8.67 yuan, with a trading volume of 59.52 million shares and a transaction value of 512 million yuan, resulting in a turnover rate of 0.62% [1] - The latest total market capitalization of the bank's A-shares is 83.177 billion yuan, with the same amount for the circulating market capitalization [1] - The banking industry, to which China Construction Bank belongs, has an overall increase of 1.97%, with notable stock price increases from other banks such as Shanghai Pudong Development Bank, Postal Savings Bank, and Ningbo Bank, which rose by 3.55%, 2.77%, and 2.47% respectively [1] Group 2 - The latest margin trading data shows that as of December 20, the margin balance for China Construction Bank is 972 million yuan, with a financing balance of 962 million yuan, reflecting a decrease of 25.9492 million yuan over the past 10 days, a decline of 2.63% [1] - The company's third-quarter report indicates that for the first three quarters, it achieved an operating income of 569.022 billion yuan, a year-on-year decrease of 3.30%, and a net profit of 255.776 billion yuan, a year-on-year increase of 0.13%, with basic earnings per share at 1.0100 yuan and a weighted average return on equity of 8.27% [1]

Group 1 - The meeting between the Vice Governor of Guizhou Province, Li Bingjun, and the Vice Chairman and President of China Construction Bank, Zhang Yi, took place on December 19 in Guiyang [1] - Li Bingjun expressed hope for more innovative financial support from China Construction Bank in areas such as industrial development, risk prevention, and real estate to achieve win-win development for Guizhou [2] - Zhang Yi congratulated Guizhou on its economic and social development achievements and stated that China Construction Bank will leverage its advantages to deepen practical cooperation and better serve Guizhou's high-quality development [3]

股票代码：601939 股票简称：建设银行 公告编号：临 2024-051 中国建设银行股份有限公司 境内优先股股息派发实施公告 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： 一、通过境内优先股股息派发方案的董事会会议情况 中国建设银行股份有限公司（以下简称"本行"）2015 年 6 月 1 优先股代码：360030 优先股简称：建行优 1 每股优先股派发现金股息人民币 3.57 元（含税） 最后交易日：2024 年 12 月 24 日 股权登记日：2024 年 12 月 25 日 除息日：2024 年 12 月 25 日 股息发放日：2024 年 12 月 26 日 15 日举行的 2014 年度股东大会、2015 年第一次 A 股类别股东大会 及 2015 年第一次 H 股类别股东大会审议通过了《关于本行境内发行 优先股股票方案的议案》，授权董事会根据发行方案的约定，决定并 办理向境内优先股股东支付股息事宜。本次境内优先股股息派发方案 已于 2024 年 10 月 30 日经本行董事会审议通过，董事会会议决 ...

北京市通商律师事务所 关于中国建设银行股份有限公司 2024年第二次临时股东大会的法律意见书 一、本次股东大会的召集、召开程序及召集人资格 致:中国建设银行股份有限公司 北京市通商律师事务所(以下简称"本所")接受中国建设银行股份有限公 司(以下简称"公司")的委托,根据《中华人民共和国公司法》《中华人民共 和国证券法》《上市公司股东大会规则》以及其他相关法律、法规及规范性文件 (以下简称"相关法律法规")和《中国建设银行股份有限公司章程》(以下简 称"公司章程")的相关规定,指派律师出席公司 2024年第二次临时股东大会 (以下简称"本次股东大会"),并就本次股东大会相关事宜出具本法律意见书。 为出具本法律意见书,本所律师特作如下声明: 1. 公司已向本所保证和承诺,公司就本次股东大会提供给本所的文件和材 料真实、准确、完整,不存在任何隐瞒、虚假记载、误导性陈述和重大遗漏, 其所提供的复印材料、副本材料均与原件具有一致性。 2. 本法律意见书仅根据中国(为本法律意见书之目的,不包括香港特别行 政区、澳门特别行政区和台湾地区)有关法律法规和公司章程的规定对本次股 东大会的召集和召开程序、召集人资格、出席本次股 ...

证券代码：601939 证券简称：建设银行 公告编号：临 2024-050 一、会议召开和出席情况 (一)股东大会召开的时间：2024 年 11 月 28 日 (二)股东大会召开的地点：北京市西城区金融大街 25 号 (三)出席会议的普通股股东及其持有股份情况： | 1．出席会议的股东和代理人人数 | | 2,396 | | --- | --- | --- | | 股股东人数 其中：A | 2,392 | | | 股股东人数 H | 4 | | | 2．出席会议的股东所持有表决权的股份总数（股） | 197,494,544,253 | | | 其中：A 股股东持有股份总数 | 1,173,356,885 | | | 股股东持有股份总数 H | 196,321,187,368 | | 重要内容提示： 本次会议是否有否决议案：无 中国建设银行股份有限公司 2024 年第二次临时股东大会决议公告 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。 | 3．出席会议的股东所持有表决权股份数占本行有 | | | --- | --- | | 表 ...

财联社11月19日讯（记者 彭科峰）特朗普当选之后，黄金价格近期迎来剧烈震荡，一些机构也随之对 相关业务进行调整。 11月18日，建设银行在官网发文，将对公黄金积存业务更新相关协议进行了相关调整。其中，建设银行 明确指出，该行对公黄金积存业务风险评级为中等风险，保守型客户不能参加，并警示该业务"可能亏 本"。 财联社记者查询发现，这也是上金所公开发声提示黄金交易风险后，首个国有大行就积存金业务作出相 关调整。 建行更新对公黄金积存业务协议 提示低风险投资者"禁入" 昨日，建设银行在官网发文称，因系统升级优化，将对公黄金积存业务的相关协议文本进行更新。具体 而言，建行修订了《中国建设银行对公黄金积存业务协议书》、《中国建设银行对公黄金积存业务权益 须知》、《中国建设银行对公黄金积存业务风险揭示书》，内容主要是优化了对公黄金积存对公钱包应 用的规则。 建设银行还表示，上述新版协议等文本将于2024年11月23日（周六）正式启用，请客户务必仔细阅读上 述文本。 财联社记者查阅发现，建行曾经于去年11月17日发布了对公黄金积存业务协议书的更新。对比一年之 前，本次主要增加了《中国建设银行对公黄金积存业务权益须知》、《 ...

中国建设银行股份有限公司董事会 2024 年 11 月 18 日 根据本期债券募集说明书的相关规定，本期债券设有发行人有条 件赎回条款，本行有权在本期债券第 5 个计息年度的付息日（即 2024 年 11 月 15 日），全部或部分赎回本期债券。近期本行已取得国家金 融监督管理总局出具的对赎回本期债券无异议的复函。 截至本公告日，本行已行使赎回权，全额赎回了本期债券。 特此公告。 中国建设银行股份有限公司 关于境内无固定期限资本债券赎回完成的公告 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。 2019 年 11 月，中国建设银行股份有限公司（以下简称本行）在 全国银行间债券市场发行了规模为人民币 400 亿元的无固定期限资 本债券（以下简称本期债券），并在上海证券交易所（www.sse.com.cn） 刊载《关于无固定期限资本债券发行完毕的公告》。 股票代码：601939 股票简称：建设银行 公告编号：临 2024-049 ...

本行董事会对王兵先生的重要贡献给予高度评价并深表感谢。 1 根据《上海证券交易所股票上市规则》，本行董事会秘书空缺期 间，由本行董事长张金良先生代行董事会秘书职责。 股票代码：601939 股票简称：建设银行 公告编号：临 2024-048 中国建设银行股份有限公司 关于副行长兼董事会秘书王兵辞任的公告 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。 中国建设银行股份有限公司（以下简称本行或建设银行）董事会 今日收到王兵先生辞呈。因工作调动，王兵先生提请辞去本行副行长 及董事会秘书职务。王兵先生的上述辞呈自 2024 年 11 月 15 日起生 效。 王兵先生确认与本行董事会无不同意见，没有其他事项需要通知 本行股东，承诺将依法严守本行商业秘密。王兵先生对本行董事、监 事及高级管理人员的支持和帮助表示真诚的感谢，并祝愿建设银行事 业蓬勃发展。 王兵先生在本行工作期间，以增强"三个能力"为根本遵循，全 面推进商投行一体化和本外币境内外一体化，持续提升客群经营能力， 聚力服务新质生产力，推动普惠金融提质增效，着力增强参与国际竞 争能 ...

Core View - Major banks, including China Construction Bank (CCB), are reducing credit card benefits and services for high-end cardholders starting from 2025, as part of cost-cutting measures amid pressure on net interest margins [1][2] Credit Card Benefit Reductions China Construction Bank (CCB) - CCB will cancel global medical rescue, international travel assistance, and car roadside assistance services for several high-end credit cards (Global Wisdom Credit Card, Long Card Private Bank Credit Card, Long Card Diamond Credit Card) starting January 1, 2025 [1][2] - Domestic airport lounge services at CCB-designated locations will be discontinued for multiple high-end cards, though Dragon Pass lounge services (domestic and international) will remain available [2] - CCB will announce detailed rules for these changes through mobile banking and WeChat official account before implementation [2] Other Banks - CITIC Bank adjusted its iPlatinum Credit Card benefits, requiring at least 500 yuan of UnionPay channel transactions in addition to the existing 2,000 yuan monthly spending threshold to earn transaction benefit points [3] - China Everbright Bank will terminate airport pick-up, car rental, and dental cleaning services for several credit cards by October 31, 2024 [3] - Bank of Shanghai adjusted its high-end credit card services, modifying overseas airport pick-up service areas and canceling dining lounge services through Dragon Pass [3] - Agricultural Bank of China will discontinue its 5x points package for WeChat Pay transactions starting August 1, 2024, which previously allowed cardholders to earn up to 50,000 bonus points monthly [4] - China Guangfa Bank increased the usage threshold for airport lounge services across multiple premium travel credit cards [4] Industry Trend - Multiple national banks are adjusting credit card benefits, with significant reductions in services and increased usage thresholds, reflecting a broader industry trend of cost control [1][2][3][4]

Investment Rating - The investment rating for the company is "Accumulate" (maintained) [1] Core Views - The company's profit growth has turned positive, with a significant improvement in quarterly performance. For the first three quarters of 2024, revenue decreased by 3.3% year-on-year, while net profit attributable to shareholders increased by 0.1%. In Q3 alone, revenue decreased by 2.7% year-on-year, but net profit increased by 3.8%, indicating an upward trend in performance [1][2] - Asset expansion has accelerated, although loan growth has slightly slowed. As of September 2024, total assets increased by 8.1% year-on-year, and loans grew by 9.0%. The company is actively promoting various initiatives, with significant growth in loans to technology enterprises, green loans, and inclusive finance loans [2] - The net interest margin has narrowed, with a net interest margin of 1.52% for the first three quarters of 2024, down 23 basis points year-on-year, but the decline has slowed compared to the first half of the year [2] - The company's asset quality remains stable, with a non-performing loan ratio of 1.35% as of September 2024, and a provision coverage ratio of 237% [4] Summary by Sections Financial Performance - For the first three quarters of 2024, net interest income decreased by 5.9% year-on-year, while fee income fell by 10.3%. Investment-related income surged by 154.1%, driven by fluctuations in exchange rates and capital markets [1][2] - The company has adjusted its EPS forecasts for 2024 and 2025 to 1.33 yuan and 1.35 yuan, respectively, with an estimated net asset value per share of 12.72 yuan by the end of 2024 [3] Asset and Liability Management - As of September 2024, total assets reached approximately 41.83 trillion yuan, with loans amounting to about 25.16 trillion yuan. The company has seen a notable increase in deposits, with personal deposits growing by 7.5% year-on-year [2][5] Capital Adequacy - As of September 2024, the company's core Tier 1 capital ratio, Tier 1 capital ratio, and total capital adequacy ratio were 14.10%, 15.00%, and 19.35%, respectively [2]