Financial Performance - Net interest income for 2022 was RMB 643,064 million, an increase of 6.22% from RMB 605,420 million in 2021[1]. - Non-interest income decreased by 18.01% to RMB 179,409 million from RMB 218,826 million in 2021, with net fee and commission income down by 4.45%[1]. - Total operating income was RMB 822,473 million, a slight decrease of 0.22% compared to RMB 824,246 million in 2021[1]. - The net profit for 2022 reached RMB 323,166 million, reflecting a growth of 6.33% from RMB 303,928 million in 2021[1]. - Total revenue for 2022 was RMB 822,473 million, a slight decrease of 0.22% compared to 2021[173]. - Net profit increased by 6.33% to RMB 323,166 million in 2022, up from RMB 303,928 million in 2021[173]. - The total profit for the year was CNY 382.017 billion, a year-on-year increase of 0.95%, while net profit rose by 6.33% to CNY 323.166 billion[125]. Income and Expenses - Interest income for 2022 was RMB 1,169,900 million, an increase of RMB 112,566 million or 10.65% from the previous year[14]. - The total interest expenses for the group amounted to RMB 526.836 billion, an increase of RMB 74.922 billion or 16.58% year-on-year, with interest expenses from deposits accounting for 76.35% of the total[21]. - The employee costs increased to RMB 126.594 billion in 2022, up 7.07% from RMB 118.238 billion in 2021[40]. - The bank's total expenses for business and management were RMB 213.219 billion, an increase of 1.60% from the previous year[40]. Asset and Liability Management - The total assets of the company increased to RMB 33,115,865 million, up from RMB 29,613,956 million in 2021[6]. - As of the end of 2022, the total assets of the group reached RMB 34.60 trillion, an increase of RMB 4.35 trillion, representing a growth of 14.37% compared to the previous year[55]. - The total liabilities of the group amounted to CNY 31.72 trillion, an increase of CNY 4.08 trillion or 14.77% compared to the previous year[89]. - The balance of deposits reached CNY 25.02 trillion, up CNY 2.64 trillion or 11.81% year-on-year[89]. Loan and Advance Growth - The total amount of loans and advances reached RMB 21.20 trillion, an increase of RMB 2.39 trillion, with a growth rate of 12.71% year-on-year[60]. - The net amount of loans and advances increased by RMB 2.32 trillion, with a growth rate of 12.79% year-on-year, supporting high-quality development in various sectors[55]. - Domestic corporate loans and advances amounted to RMB 11.02 trillion, up RMB 1.43 trillion, reflecting a growth of 14.87%[60]. - Personal loans and advances totaled RMB 8.24 trillion, increasing by RMB 344.84 billion, with a growth rate of 4.37%[60]. Risk Management - The company employs a three-stage risk assessment model for credit risk, considering various factors including macroeconomic conditions and debtor credit ratings[68]. - The non-performing loan ratio improved to 1.38%, down from 1.42% in 2021[175]. - The bank aims to enhance risk management and compliance, focusing on proactive credit loss management and maintaining stable risk indicators[194]. Strategic Initiatives - The company is focusing on new financial initiatives including housing leasing, inclusive finance, and green finance to enhance service offerings[110]. - The bank has implemented three major strategies focusing on housing rental, inclusive finance, and financial technology to enhance service quality and support economic development[150]. - The bank's green finance development strategy for 2022-2025 was approved in January 2022, marking a significant step towards sustainable finance[160]. User Engagement and Technology - The bank serves 739 million individual customers and 9.35 million corporate clients, supported by 14,356 branches and a workforce of 352,588 employees[142]. - The number of online users exceeded 500 million, with mobile banking users reaching 440 million, showcasing industry-leading active user ratios[188]. - The bank's technology infrastructure has seen a rapid increase, with computing power growing to 68 times that of five years ago[171]. Future Outlook - The company provided a positive outlook for the next fiscal year, projecting a revenue growth of 12%[136]. - The company aims to improve its capital adequacy ratio to 15% by the end of the next fiscal year[136].

中国建设银行股份有限公司 2022 年半年度报告 股票代码：A股普通股 601939 境内优先股 360030 1 重要提示 本行董事会、监事会及董事、监事、高级管理人员保证半年度报告内容的真实、准 确、完整，不存在虚假记载、误导性陈述或重大遗漏，并承担个别和连带的法律责任。 本行于2022年8月30日召开董事会会议，审议通过了本行2022年半年度报告及其摘 要。本行13名董事亲自出席董事会会议。因事务安排，M•C•麦卡锡先生委托梁锦松先生 出席并表决。 经2021年度股东大会批准，2022年7月8日，本行向2022年7月7日收市后在册的A股股 东派发2021年度现金股息每股人民币0.364元（含税），合计约人民币34.92亿元；2022年 7月29日，本行向2022年7月7日收市后在册的H股股东派发2021年度现金股息每股人民币 0.364元（含税），合计约人民币875.12亿元。本行不宣派2022年中期股息，不进行公积 金转增股本。 本集团按照中国会计准则编制的2022年半年度财务报告已经安永华明会计师事务所 （特殊普通合伙）审阅，按照国际财务报告准则编制的2022年半年度财务报告已经安永会 计师事务所审 ...

1 股票代码：601939 股票简称：建设银行 中国建设银行股份有限公司 2022 年第一季度报告 | --- | --- | |--------------------------------------------------------------------|-------| | | | | 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个别及连带责 | | | 任。 | | 重要内容提示： 本行董事会、监事会及董事、监事、高级管理人员保证本季度报告内容 的真实、准确、完整，不存在虚假记载、误导性陈述或者重大遗漏，并 承担个别和连带的法律责任。 本行法定代表人田国立、主管财会工作负责人纪志宏和财务会计部总经 理刘方根保证本季度报告中财务信息的真实、准确、完整。 第一季度财务报表未经审计。 1 主要财务数据 1.1 主要会计数据和财务指标 本季度报告所载财务资料按照中国会计准则编制，除特别注明外，为本 行及所属子公司（统称"本集团"）数据，以人民币列示。 | --- | --- | --- | --- | |------ ...

Financial Performance - Net profit attributable to shareholders for 2021 was RMB 300 billion, representing a growth of 6.2% compared to the previous year[6]. - The bank's total assets reached RMB 28.5 trillion, an increase of 8.5% year-on-year[6]. - The bank's net profit for 2021 was reported at 2,000 billion RMB, with a return on assets (ROA) of 1.04% and a return on equity (ROE) of 12.55%[30]. - The group's net profit for 2021 was RMB 3,039.28 billion, reflecting an 11.09% increase compared to the previous year[53]. - The total profit for the group in 2021 was RMB 378.41 billion, a significant increase from RMB 336.62 billion in 2020[174]. - The bank's total equity increased by 9.41% to RMB 2,614,122 million compared to RMB 2,389,353 million in 2020[35]. - The bank's cash flow from operating activities decreased by 24.79% to RMB 436,718 million from RMB 580,685 million in 2020[35]. Risk Management - The bank's major risks include credit risk, market risk, operational risk, liquidity risk, reputational risk, and country risk, all of which are actively managed[5]. - The non-performing loan ratio stood at 1.42%, indicating a stable asset quality[31]. - The non-performing loan ratio improved to 1.42%, down from 1.56% in 2020[36]. - The provision coverage ratio for loan loss provisions was 239.96%, with the ratio of loss provisions to total loans at 3.40% as of the end of 2021[89]. - The group aims to strengthen risk management and compliance, focusing on liquidity and technology risk management[48]. Capital and Assets - The capital adequacy ratio stood at 14.5%, maintaining a strong capital position[7]. - The bank's capital adequacy ratio was reported at 14.70%, ensuring a strong capital position[33]. - The bank's core tier 1 capital adequacy ratio stood at 13.59%, slightly down from 13.62% in 2020[36]. - The total assets of the group reached RMB 39.41 trillion by the end of 2021, up from RMB 37.36 trillion in 2020[175]. - The total amount of loans and advances issued by the company reached RMB 18.81 trillion, an increase of RMB 2.02 trillion, representing a growth of 12.04% compared to the previous year[85]. Digital Transformation and Innovation - The bank plans to enhance digital operations and product innovation to meet evolving customer needs[6]. - The bank's financial technology investment reached 25 billion RMB in 2021, reflecting its commitment to digital transformation[31]. - The company plans to continue enhancing its digital transformation and financial technology investments to support strategic implementation and marketing efforts[76]. - The bank's digital middle platform has standardized 384 capabilities to support ecological scene construction and operations as of the end of 2021[195]. - The bank's innovation marathon attracted over 230,000 participants, generating over 2,000 innovative projects[197]. Customer Engagement and Services - The number of registered users for the bank's mobile banking reached 149 million, with an average monthly active user count of over 34 million[34]. - The cumulative digital RMB transaction volume reached RMB 435 billion with over 84.75 million transactions completed[34]. - The cumulative visits to the "CCB Huizhongni" app exceeded 150 million, with downloads surpassing 19 million and registered users reaching 14.43 million, an increase of 1.95 million from the previous year[117]. - The company has established a housing rental service platform covering 96% of cities, supporting over 1.5 million enterprises and 38 million landlords and tenants[116]. - The company’s "建行生活" platform aims to enhance user engagement by integrating financial services with daily life scenarios[191]. Sustainable Finance - The bank is committed to sustainable finance initiatives, focusing on green projects and climate change mitigation[6]. - The company achieved financing of RMB 28.5 billion to nearly 3,000 enterprises across 63 industries in key areas such as low-carbon environmental protection and infrastructure in 2021[172]. - The group will continue to explore sustainable business models in housing rental and green finance development[48]. International Operations - The bank aims to expand its market presence in Southeast Asia and Europe through strategic partnerships and acquisitions[6]. - The bank's overseas operations contributed RMB 50 billion in revenue, reflecting a 10% increase year-on-year[6]. - The overseas commercial banking segment achieved a net profit of RMB 7.524 billion, a 29.28% increase year-on-year[152]. - CCB Europe reported total assets of RMB 19.53 billion, with a net loss of RMB 0.83 billion in 2021[155]. Financial Products and Services - The total amount of wealth management products issued by the group reached CNY 2.37 trillion, with net value products accounting for 92.25% of the total, an increase of 47.71 percentage points from the previous year[145]. - The bank's custody business revenue was CNY 6.945 billion, reflecting a 25.52% increase from the previous year[133]. - The total trading volume of precious metals reached 63,322 tons in 2021, reflecting the bank's focus on commodity business transformation[144]. - The total operating income for corporate banking was CNY 304.48 billion, an increase of 7.05% year-on-year[115]. - The total operating income for personal banking was CNY 350.27 billion, an increase of 6.94% year-on-year[115].

Dividends and Profit Distribution - The bank reported a cash dividend of RMB 0.326 per share for the 2020 fiscal year, totaling approximately RMB 31.28 billion for A-share shareholders and RMB 783.76 million for H-share shareholders[8]. - The bank did not declare an interim dividend for the first half of 2021 and will not convert reserves into share capital[8]. - The bank's net profit attributable to shareholders was RMB 153,300 million, marking an increase of 11.39% from RMB 137,626 million in the previous year[12]. - The bank's net profit for the first half of 2021 was RMB 154.11 billion, representing a growth of 10.92% compared to the same period last year[24]. Financial Performance Metrics - Net interest income for the six months ended June 30, 2021, was RMB 296,085 million, an increase of 5.18% compared to RMB 281,508 million for the same period in 2020[12]. - Total operating income reached RMB 416,332 million, reflecting a growth of 7.00% from RMB 389,109 million year-on-year[12]. - The net cash flow from operating activities surged to RMB 172,159 million, a significant increase of 174.58% compared to RMB 62,700 million in the same period last year[12]. - The total assets as of June 30, 2021, amounted to RMB 29,833,188 million, up 6.05% from RMB 28,132,254 million at the end of 2020[15]. - The annualized return on average assets was 1.06%, slightly up from 1.05% in the previous year[12]. - The total revenue for the first half of 2021 reached 109.80 billion RMB, an increase of 15.69% year-on-year[46]. Risk Management - The bank is actively managing various risks, including credit risk, market risk, operational risk, liquidity risk, reputation risk, and country risk[4]. - The non-performing loan ratio improved to 1.53%, down from 1.56% at the end of 2020[15]. - The company is enhancing its risk management system, focusing on proactive and intelligent risk management to support high-quality development[171]. - The company has increased its efforts in non-performing asset disposal, utilizing mechanisms like debt committees and market-oriented debt-to-equity swaps[173]. Digital Transformation and Innovation - The bank has developed multiple digital financial service platforms, including "Jianhang Global Matchmaker" and "Jianhang Cloud," to enhance customer engagement and service delivery[7]. - The bank's strategy includes expanding its digital offerings and integrating financial services with technology to better serve its clients[7]. - The group accelerated its digital transformation in online financial services, achieving electronic banking income of CNY 14.429 billion[45]. - The company is focusing on digital operations and product innovation, establishing a "3+1" capability center centered on users, merchants, rights, and payments[164]. Capital Management - The bank's capital adequacy ratio and leverage ratio will be discussed in the capital management section, indicating its financial stability and risk management capabilities[3]. - The capital adequacy ratio stood at 16.58%, a decrease of 0.48% from 17.06% at the end of 2020[15]. - The bank's core tier 1 capital adequacy ratio was 13.23%, down from 13.62% at the end of 2020[15]. - The group’s capital adequacy ratio stood at 16.58%[22]. Loans and Advances - As of June 30, 2021, the total amount of loans and advances issued by the company reached RMB 18.11 trillion, an increase of RMB 1.32 trillion or 7.87% compared to the end of 2020[62]. - Corporate loans and advances amounted to RMB 9.27 trillion, up RMB 0.91 trillion or 10.85% year-over-year[62]. - Personal loans and advances totaled RMB 7.53 trillion, an increase of RMB 295.14 billion or 4.08% from the previous year[62]. - The balance of personal loans reached RMB 7.53 trillion, an increase of RMB 295.14 billion, with a growth rate of 4.08%[108]. Deposits and Financial Investments - The balance of deposits reached 22.32 trillion yuan, an increase of 1.70 trillion yuan, with a growth rate of 8.26% compared to the end of 2020[82]. - The total amount of personal deposits reached 11.17 trillion yuan, an increase of 988.88 billion yuan, with a growth rate of 9.71% compared to the end of 2020[84]. - The total financial investments of the company reached RMB 7.23 trillion, an increase of RMB 277.67 billion or 3.99% compared to the end of 2020[71]. - The bond investments increased by RMB 281.28 billion or 4.22%, accounting for 96.11% of total financial investments, up 0.21 percentage points from the previous year[71]. Operational Efficiency - The bank's performance metrics and user data will be analyzed in the management discussion and analysis section, providing insights into its operational efficiency and market position[2]. - The cost-to-income ratio was 22.13%, an increase of 1.04 percentage points compared to the same period last year[24]. - The total business and management expenses were 84.20 billion RMB, reflecting an increase of 11.02%, with employee costs rising by 11.84% to 50.62 billion RMB[50]. Customer Engagement and Services - The number of certified enterprises under the "建行惠懂你" service exceeded 5.56 million, with a total credit amount surpassing RMB 700 billion[95]. - As of June, "Jianhang Yurun Tong" has established 520,000 inclusive financial service points, covering nearly 80% of rural towns and administrative villages, providing services to over 950,000 users[96]. - The company provided remote financial services to 860 million customers in the first half of the year, with a human service connection rate of 94.07%[163]. - The number of personal mobile banking users increased to 403 million, a growth of 3.84% year-over-year, with transaction volume reaching RMB 47.15 trillion[159]. International Operations - CCB's overseas commercial banking institutions covered 30 countries and regions, generating a net profit of RMB 3.294 billion in the first half of 2021[123]. - CCB's total assets in CCB Brazil amounted to RMB 21.929 billion, with a net loss of RMB 0.82 billion in the first half of 2021[129]. - CCB's total assets in CCB Indonesia reached RMB 11.521 billion, with a net profit of RMB 0.26 billion in the first half of 2021[131]. - CCB's total assets in CCB New Zealand reached RMB 8.583 billion, with a net profit of RMB 0.54 billion in the first half of 2021[128].

中国建设银行股份有限公司 2020 年年度报告 股票代码：A 股普通股 601939 境内优先股 360030 2020 年年度报告 目录 | 公司简介 | 5 | | --- | --- | | 释义 | 6 | | 重要提示 | 9 | | 1 财务摘要 | 10 | | 2 公司基本情况 | 12 | | 3 董事长报告 | 15 | | 4 行长报告 | 18 | | 5 监事长报告 | 20 | | 经营情况讨论与分析 6 | 22 | | 6.1 财务回顾 | 22 | | 6.1.1 利润表分析 | 23 | | 6.1.2 资产负债表分析 | 31 | | 6.1.3 现金流量表分析 | 39 | | 6.1.4 重要会计估计、判断及会计政策变更 | 39 | | 6.1.5 中国会计准则与国际财务报告准则编制的财务报表差异 | 39 | | 6.2 业务回顾 | 40 | | 6.2.1 三大战略推进情况 | 41 | | 公司银行业务 6.2.2 | 44 | | 6.2.3 个人银行业务 | 45 | | 6.2.4 资金业务 | 47 | | 海外商业银行业务 6.2.5 | 50 | ...