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].

Financial Performance - The net profit attributable to shareholders for Q3 2022 was RMB 85,640 million, representing an increase of 8.61% compared to the same period last year[4]. - The net profit attributable to shareholders after deducting non-recurring gains and losses was RMB 85,644 million, with an increase of 8.44% year-on-year[4]. - Net profit for the nine months ended September 30, 2022, was RMB 246.72 billion, representing a year-on-year growth of 5.81%[14]. - The bank's net profit for the nine months ended September 30, 2022, was RMB 246,724 million, compared to RMB 233,173 million for the same period in 2021, representing an increase of approximately 5.8%[22]. - The total comprehensive income for the group reached RMB 253,670 million for the nine months ended September 30, 2022, compared to RMB 239,768 million for the same period in 2021, representing an increase of approximately 5.0%[25]. - The basic and diluted earnings per share were RMB 0.99 for the nine months ended September 30, 2022, compared to RMB 0.93 for the same period in 2021, reflecting a growth of 6.5%[25]. Cash Flow and Liquidity - The operating cash flow for the first nine months of 2022 was RMB 824,265 million, showing a significant increase of 74.18% compared to the previous year[6]. - The net cash inflow from operating activities was RMB 824,265 million for the nine months ended September 30, 2022, compared to RMB 473,225 million for the same period in 2021, indicating a significant increase of 74.3%[27]. - The net increase in cash and cash equivalents was RMB 4,426,146 million for the nine months ended September 30, 2022, compared to RMB 3,125,190 million for the same period in 2021, indicating a growth of 41.7%[27]. - The cash and cash equivalents at the end of the period amounted to RMB 1,108,805 million, compared to RMB 1,062,898 million at the end of September 2021, showing an increase of approximately 4.3%[33]. - The group experienced a net increase in cash and cash equivalents of RMB 303,205 million, compared to RMB 183,967 million in the same period of 2021, reflecting an increase of approximately 64.5%[33]. Assets and Liabilities - The bank's total assets as of September 30, 2022, reached RMB 34,299,695 million, reflecting a year-on-year increase of 13.37%[4]. - Total liabilities amounted to RMB 31.49 trillion, up RMB 3.85 trillion or 13.92% compared to the end of last year[11]. - As of September 30, 2022, the total liabilities of China Construction Bank amounted to RMB 31,486,358 million, an increase from RMB 27,639,857 million as of December 31, 2021, representing a growth of approximately 10.5%[18]. - The total assets of the group reached RMB 34,299,695 million as of September 30, 2022, compared to RMB 30,253,979 million at the end of 2021, indicating an increase of about 13.5%[19]. Loans and Deposits - The net increase in loans and advances was RMB 2,036,208 million for the nine months ended September 30, 2022, compared to RMB 1,733,399 million for the same period in 2021, showing an increase of 17.5%[27]. - Total deposits reached RMB 24.79 trillion, an increase of RMB 2.41 trillion or 10.78% from the end of last year[13]. - The bank's total deposits increased to RMB 24,791,600 million as of September 30, 2022, compared to RMB 22,378,814 million at the end of 2021, marking a rise of about 10.8%[19]. - The net increase in deposits from customers was RMB 3,050,696 million for the nine months ended September 30, 2022, compared to RMB 1,811,275 million for the same period in 2021, reflecting a growth of 68.4%[26]. Capital and Ratios - The capital adequacy ratio was 18.67%, with a core tier 1 capital ratio of 13.86%, meeting regulatory requirements[13]. - The bank's capital adequacy ratio was reported at 15.5% as of September 30, 2022, slightly above the regulatory requirement, demonstrating a strong capital position[21]. - The tier 1 capital adequacy ratio improved to 14.60% as of September 30, 2022, compared to 14.14% at the end of 2021[37]. - The total capital adequacy ratio was 18.67% as of September 30, 2022, compared to 17.85% at the end of 2021[37]. Non-Performing Loans - Non-performing loans amounted to RMB 293.14 billion, with a non-performing loan ratio of 1.40%, a decrease of 0.02 percentage points from the previous year[13]. - The bank's non-performing loan ratio remained stable at 1.42% as of September 30, 2022, consistent with the previous year, indicating effective risk management[21]. Investment and Income - Net interest income was RMB 482.71 billion, up 7.71% year-on-year, with a net interest margin of 2.05%[14]. - The bank's investment income for the nine months ended September 30, 2022, was RMB 13,346 million, down from RMB 18,696 million in the same period of 2021, indicating a decrease of approximately 28.5%[21]. - The bank's fee and commission income for the nine months ended September 30, 2022, was RMB 94,877 million, a decrease from RMB 96,613 million in the same period of 2021, reflecting a decline of about 1.8%[21]. Future Plans - The company plans to establish a housing rental fund with a fundraising scale of RMB 30 billion to explore new real estate development models[15]. - The bank plans to expand its digital banking services and enhance its technology infrastructure to improve customer experience and operational efficiency in the coming years[21].

Dividends and Capital Management - The bank distributed a cash dividend of RMB 0.364 per share to A-share shareholders, totaling approximately RMB 34.92 billion[2]. - The bank also distributed a cash dividend of RMB 0.364 per share to H-share shareholders, totaling approximately RMB 875.12 million[2]. - The bank did not declare an interim dividend for 2022 and will not increase capital through reserves[2]. Financial Performance - Operating income for the six months ended June 30, 2022, was RMB 435,970 million, an increase of 4.72% compared to RMB 416,332 million for the same period in 2021[12]. - Net interest income rose to RMB 317,340 million, reflecting a growth of 7.18% from RMB 296,085 million year-over-year[12]. - Net profit attributable to shareholders increased by 5.44% to RMB 161,642 million, up from RMB 153,300 million in the previous year[12]. - The net cash flow from operating activities surged by 373.69% to RMB 815,501 million, compared to RMB 172,159 million in the same period last year[12]. - Total assets reached RMB 33,689,078 million, marking an 11.35% increase from RMB 30,253,979 million at the end of 2021[13]. - The non-performing loan ratio improved to 1.40%, down from 1.42% at the end of 2021[13]. - The capital adequacy ratio stood at 17.95%, slightly up from 17.85% at the end of the previous year[13]. - The bank's basic and diluted earnings per share increased to RMB 0.65, a rise of 6.56% from RMB 0.61 in the same period last year[12]. - The cost-to-income ratio increased to 23.31%, compared to 22.13% in the previous year, indicating a rise in operational costs relative to income[12]. Risk Management - The bank faces various risks including credit risk, market risk, operational risk, liquidity risk, reputation risk, and country risk, and actively manages these risks[3]. - The bank's risk management system has been enhanced, focusing on credit risk management and improving asset quality while supporting high-quality development of the real economy[140]. - The group has strengthened its country risk management, focusing on low and moderate-risk countries and regions[182]. Digital Transformation and Innovation - The bank is focused on digital operations and product innovation, integrating technologies like blockchain and AI into its services[10]. - The bank is expanding its services through platforms like "Jianhang Global Matchmaker" for cross-border transactions[10]. - The bank launched 10 strategic innovation projects in key business areas, completing 9 major innovation projects and 169 branch-level independent innovation projects in the first half of the year[138]. Loans and Advances - The total amount of loans and advances issued by the group was 20.39 trillion RMB, an increase of 1.58 trillion RMB, or 8.41% year-on-year, primarily driven by domestic loan growth[46]. - Corporate loans and advances amounted to 10.60 trillion RMB, up 1.00 trillion RMB, or 10.46%, with new loans mainly directed towards infrastructure, wholesale and retail, and manufacturing sectors[46]. - Personal loans and advances totaled 8.09 trillion RMB, an increase of 195.26 billion RMB, or 2.47%, with personal housing loans at 6.48 trillion RMB, up 927.34 billion RMB, or 1.45%[46]. Non-Interest Income - Total non-interest income decreased to RMB 118.630 billion, down RMB 16.17 billion or 1.34% year-on-year, with a decline in both net commission income and other non-interest income[32]. - The proportion of non-interest income in total operating income was 27.21%[32]. - The net commission and fee income for the first half of 2022 was RMB 68.23 billion, a decrease of RMB 0.615 billion or 0.89% compared to the same period in 2021[34]. Asset Management - The bank's asset custody scale reached CNY 19.02 trillion by the end of June, an increase of CNY 1.32 trillion from the end of the previous year[83]. - The scale of wealth management products reached CNY 2,151.58 billion by the end of June, with net value products accounting for 95.14%[93]. - The company provided direct financing of nearly CNY 1.8 trillion to the real economy by the end of June[99]. Environmental, Social, and Governance (ESG) - The bank emphasizes environmental, social, and governance (ESG) factors in its operations and strategy[10]. - The company is committed to maintaining a capital adequacy ratio of no less than 20% by 2025 and 22% by 2028 to meet total loss-absorbing capacity (TLAC) requirements[199]. International Operations - The total assets of China Construction Bank (Asia) reached CNY 365.33 billion by the end of June, with a net profit of CNY 1.31 billion in the first half of the year[102]. - The total assets of China Construction Bank (London) were CNY 3.547 billion by the end of June, with a net profit of CNY 0.0004864 billion in the first half of the year[103]. - The total assets of China Construction Bank (Russia) reached CNY 3.789 billion by the end of June, with a net profit of CNY 0.0016 billion in the first half of the year[104]. Customer Service and Engagement - The bank has established 252 inclusive finance service centers and over 1,800 personal loan centers to enhance customer service[129]. - The number of personal mobile banking users reached 428 million, an increase of 10.55 million users or 2.53% from the end of last year, with a transaction volume of 28.072 billion transactions and a transaction amount of 43.12 trillion yuan[131]. - The "Jianhang Life" app has accumulated over 66 million registered users, with approximately 4 million daily active users and nearly 280,000 quality merchant stores onboarded, facilitating the distribution of government consumption vouchers totaling 1.224 billion yuan[132].

Financial Performance - The bank reported operating income of RMB 232.23 billion for Q1 2022, an increase of 7.25% compared to RMB 216.52 billion in Q1 2021[4] - Net profit for the quarter was RMB 87.82 billion, up 5.78% from RMB 83.02 billion in the same period last year[4] - The net profit attributable to shareholders was RMB 88.74 billion, reflecting a 6.77% increase from RMB 83.12 billion year-on-year[4] - The net profit for the group for the three months ended March 31, 2022, was RMB 87,818 million, an increase from RMB 83,020 million in the same period of 2021, representing a growth of 9.5%[27] - The comprehensive income total for the group for the three months ended March 31, 2022, was RMB 84,111 million, compared to RMB 79,896 million for the same period in 2021, reflecting an increase of about 5.5%[21] Assets and Liabilities - Total assets reached RMB 32,012.25 billion, marking a growth of 5.81% from RMB 30,253.98 billion at the end of 2021[4] - The bank's total liabilities increased by 6.06% to RMB 29,314.07 billion, up from RMB 27,571.92 billion at the end of 2021[9] - The total assets of China Construction Bank as of March 31, 2022, were RMB 32,012,252 million, up from RMB 30,253,979 million as of December 31, 2021, representing a growth of about 5.8%[17] - The total liabilities of China Construction Bank as of March 31, 2022, amounted to RMB 29,314,072 million, an increase from RMB 27,639,857 million as of December 31, 2021, representing a growth of approximately 6.06%[17] Cash Flow - The net cash flow from operating activities surged to RMB 479.94 billion, a significant increase of 89.43% compared to RMB 253.37 billion in Q1 2021[4] - The net cash flow from operating activities for the group was RMB 479,940 million, compared to RMB 253,365 million for the same period in 2021, indicating a significant increase[27] - The net cash inflow from operating activities was RMB 431,784 million, compared to RMB 333,137 million in the same period last year, representing a year-over-year increase of approximately 29.6%[24] - The total cash inflow from investment activities was RMB 490,729 million, compared to RMB 521,242 million in the same quarter of 2021, reflecting a decrease of approximately 5.8%[25] - The cash outflow from investment activities amounted to RMB 728,261 million, which is an increase from RMB 596,899 million in the same period last year, representing a rise of about 22.0%[25] Loans and Advances - The total amount of loans and advances issued was CNY 19,746.98 billion, an increase of CNY 939.15 billion or 4.99% compared to the end of the previous year[11] - The balance of inclusive finance loans was CNY 2,024.16 billion, up CNY 150.47 billion from the end of the previous year, with 2.09 million inclusive finance loan customers added[11] - The balance of green loans was CNY 2.26 trillion, an increase of CNY 297.22 billion or 15.14% from the end of the previous year[11] - The net increase in loans and advances was RMB 944,235 million, compared to RMB 892,630 million in the previous year, showing an increase of about 5.8%[24] Shareholder Information - The number of ordinary shareholders as of March 31, 2022, was 373,414, with A-share shareholders numbering 333,719 and H-share shareholders 39,695[7] - The bank's total equity attributable to shareholders was RMB 2,673.27 billion, an increase of 3.29% from RMB 2,588.23 billion at the end of 2021[4] - The total equity attributable to shareholders of the bank as of March 31, 2022, was RMB 2,698,180 million, compared to RMB 2,614,122 million as of December 31, 2021, marking an increase of approximately 3.21%[17] Capital and Ratios - The bank's capital adequacy ratio was 17.91%, with a Tier 1 capital ratio of 14.21% as of March 31, meeting regulatory requirements[13] - The core tier 1 capital adequacy ratio for the group was 13.67% as of March 31, 2022, compared to 13.59% at the end of 2021, showing a slight improvement[32] - The leverage ratio for the group was 7.94% as of March 31, 2022, which meets the regulatory requirement of at least 4%[33] - The liquidity coverage ratio for the group was 136.06% in the first quarter of 2022, an increase of 1.36 percentage points compared to the fourth quarter of 2021[35] Income and Expenses - The net interest income for the period was CNY 159.49 billion, an increase of 8.39% year-on-year[13] - The net interest income for the group was RMB 159,491 million for the three months ended March 31, 2022, an increase from RMB 147,148 million in the same period of 2021, representing an increase of about 8.99%[19] - The net fee and commission income for the group was RMB 41,073 million for the three months ended March 31, 2022, compared to RMB 39,612 million in the same period of 2021, indicating an increase of approximately 3.69%[19] - The investment income for the group was RMB 1,847 million for the three months ended March 31, 2022, down from RMB 5,651 million in the same period of 2021, indicating a decrease of approximately 67.32%[19] Credit and Impairment - The non-performing loan ratio was 1.40%, a decrease of 0.02 percentage points from the end of the previous year[12] - The group reported an increase in credit impairment losses to RMB 51,514 million for the three months ended March 31, 2022, compared to RMB 52,284 million in the same period of 2021[27]

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].

Financial Performance - The net profit attributable to shareholders for the third quarter of 2021 was RMB 78,853 million, representing a 15.61% increase year-on-year[4] - The net profit attributable to shareholders after deducting non-recurring gains and losses was RMB 78,976 million, up 15.69% compared to the same period last year[4] - The annualized weighted average return on equity increased to 13.26%, up 0.98 percentage points from the previous year[4] - Net profit for the nine months ended September 30, 2021, was CNY 233.17 billion, representing a year-over-year growth of 12.31%[14] - The net profit attributable to shareholders of the bank was RMB 232,153 million for the nine months ended September 30, 2021, compared to RMB 205,832 million in the same period of 2020, indicating an increase of approximately 12.7%[28] - The net profit attributable to shareholders for the nine months ended September 30, 2021, was RMB 239,768 million, an increase from RMB 188,909 million in the same period of 2020, representing a growth of approximately 27%[32] - The group reported a net profit of RMB 233,173 million for the nine months ended September 30, 2021, up from RMB 207,609 million in 2020, marking an increase of about 12.3%[39] Assets and Liabilities - The total assets of the bank reached RMB 30,135,551 million as of September 30, 2021, a 7.12% increase from December 31, 2020[4] - Total liabilities amounted to CNY 27,587.34 billion, up CNY 184.44 billion or 7.16% year-over-year[12] - The total assets of the group reached RMB 30,135,551 million as of September 30, 2021, compared to RMB 28,132,254 million at the end of 2020, representing an increase of approximately 7.1%[19] - Total liabilities amounted to RMB 27,587,342 million as of September 30, 2021, compared to RMB 25,742,901 million at the end of 2020, marking a growth of about 7.2%[19] Shareholder Information - The equity attributable to shareholders of the bank was RMB 2,522,495 million, reflecting a 6.67% increase year-on-year[4] - The total number of ordinary shareholders as of September 30, 2021, was 403,744, with A-share shareholders numbering 363,702[7] - The top shareholder, Central Huijin Investment Ltd., held 142,590,494,651 H-shares, accounting for 57.03% of H-shares[8] Dividends - The bank plans to distribute a total of RMB 2,850 million in dividends for domestic preferred shares on December 27, 2021, with a dividend rate of 4.75%[11] Cash Flow - The cash flow from operating activities for the nine months ended September 30, 2021, was RMB 473,225 million, showing a decrease of 22.51% year-on-year[4] - The total cash outflow from operating activities was RMB 2,651,965 million, down from RMB 3,235,218 million in 2020, showing a decrease of approximately 18.1%[35] - The net cash flow from operating activities for the group was RMB 473,225 million for the nine months ended September 30, 2021, compared to RMB 610,678 million for the same period in 2020, representing a decrease of approximately 22.5%[39] Loan and Deposit Information - The balance of inclusive finance loans reached CNY 17.9 trillion, an increase of CNY 369.39 billion or 26.00% from the previous year[12] - The net increase in loans and advances to customers was RMB 1,811,275 million for the nine months ended September 30, 2021, compared to RMB 2,616,386 million in the same period of 2020, showing a decrease of approximately 30.7%[34] - The net increase in deposits from customers was RMB 2,616,386 million for the nine months ended September 30, 2021, down from RMB 3,845,896 million in the same period of 2020, reflecting a decline of about 31.9%[34] - The bank's total deposits reached CNY 22.54 trillion, an increase of CNY 192.15 billion or 9.32% from the previous year[13] Capital Adequacy and Ratios - The core tier 1 capital adequacy ratio for the group was 13.40% as of September 30, 2021, a slight decrease from 13.62% at the end of 2020[45] - The leverage ratio for the group was 7.96% as of September 30, 2021, exceeding the regulatory requirement of 4%[46] - The total capital adequacy ratio for the group was 17.25% as of September 30, 2021, compared to 17.06% at the end of 2020[45] Other Financial Metrics - The bank's net interest income was CNY 448.15 billion, a growth of 4.87% year-over-year[14] - The provision coverage ratio increased to 228.55%, up 14.96 percentage points from the previous year[13] - The balance of green loans was CNY 1.82 trillion, reflecting a growth of 25.78% year-over-year[12] - The group’s commission and fee income was RMB 108,888 million for the nine months ended September 30, 2021, compared to RMB 103,088 million in the same period of 2020, indicating a growth of about 5.4%[22] - The group’s total operating income for the group reached RMB 624,405 million for the nine months ended September 30, 2021, an increase from RMB 571,435 million in the same period of 2020, representing a growth of approximately 9.1%[22]

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].

Financial Performance - Net profit for the first quarter of 2021 was RMB 83,020 million, up 2.52% from RMB 80,981 million in the same period of 2020[7]. - Operating income for the first quarter of 2021 was RMB 216,523 million, representing a 3.40% increase from RMB 209,395 million year-over-year[7]. - The net profit attributable to shareholders of the bank was RMB 83,115 million, a 2.80% increase compared to RMB 80,855 million in Q1 2020[7]. - Basic and diluted earnings per share for the first quarter of 2021 were RMB 0.33, reflecting a 3.13% increase from RMB 0.32 in the previous year[7]. - The total comprehensive income for the group was RMB 79,896 million, down 20.0% from RMB 99,865 million in the same quarter last year[31]. - The group reported a net profit of RMB 83,020 million, a slight increase from RMB 80,981 million in the same period last year[41]. Assets and Liabilities - Total assets as of March 31, 2021, reached RMB 29,378,083 million, an increase of 4.43% from RMB 28,132,254 million on December 31, 2020[6]. - The total liabilities amounted to CNY 26,908.83 billion, increasing by CNY 1,165.93 billion or 4.53% from the previous year-end[15]. - The bank's net loans and advances stood at RMB 17,082,523 million, compared to RMB 16,231,369 million at the end of 2020, reflecting a growth of approximately 5.2%[23]. - The bank's total equity reached RMB 2,469,249 million as of March 31, 2021, compared to RMB 2,389,353 million at the end of 2020, marking an increase of around 3.3%[25]. - The total deposits increased by CNY 1,514.91 billion, a growth of 7.35%, reaching CNY 22,129.89 billion[15]. - The total risk-weighted assets amounted to RMB 17,440,565 million as of March 31, 2021, compared to RMB 16,604,591 million in December 2020[46]. Cash Flow - The net cash flow from operating activities for the first quarter was RMB 253,365 million, a decrease of 48.82% from RMB 495,018 million in the same period last year[7]. - The group’s cash inflow from operating activities totaled RMB 1,679,606 million, a decrease from RMB 2,135,538 million in the same period last year[33]. - The ending balance of cash and cash equivalents for the group was RMB 1,076,483 million, down from RMB 1,441,631 million year-on-year[43]. - The net cash outflow was RMB 3,151,858 million, with qualified liquid assets totaling RMB 4,667,230 million[49]. Credit and Risk Management - The non-performing loan ratio remained stable at 1.56%, with non-performing loans amounting to CNY 274.25 billion[15]. - The group experienced a credit impairment loss of RMB 52,284 million, compared to RMB 49,120 million in the previous year, reflecting a 4.4% increase[41]. - The bank's non-performing loan ratio remained stable, reflecting effective risk management strategies in place[25]. Capital Adequacy - The capital adequacy ratio was reported at 16.71%, with a core tier 1 capital ratio of 13.43%, meeting regulatory requirements[16]. - As of March 31, 2021, the core tier 1 capital adequacy ratio was 13.43%, a slight decrease from 13.62% in December 2020[46]. - The total capital adequacy ratio stood at 16.71% as of March 31, 2021, down from 17.06% in December 2020[46]. - The leverage ratio was reported at 7.92% as of March 31, 2021, meeting regulatory requirements[47]. Shareholder Information - As of March 31, 2021, the total number of ordinary shareholders was 338,226, with 297,645 A-share shareholders and 40,581 H-share shareholders[9]. - The top 10 ordinary shareholders held a combined 57.03% of the shares, with Central Huijin Investment Limited being the largest shareholder[10]. - The total number of preferred shareholders as of March 31, 2021, was 21, all of whom were domestic preferred shareholders[12]. Strategic Initiatives - The bank plans to continue expanding its digital banking services and enhance customer experience through technology innovations[25]. - The bank is exploring potential mergers and acquisitions to strengthen its market position and expand its service offerings[25]. - The company issued CNY 20 billion in special financial bonds for small and micro enterprises in January 2021, with a fixed interest rate of 3.30%[20]. - The company launched multiple ESG-themed bonds totaling USD 1.15 billion and EUR 800 million, marking significant market expansion efforts[20].

Financial Performance - Net interest income for 2020 was RMB 575.909 billion, an increase of 7.23% from RMB 537.066 billion in 2019[18]. - Total operating income reached RMB 755.858 billion, reflecting a growth of 7.12% compared to RMB 705.629 billion in the previous year[18]. - Net profit attributable to shareholders was RMB 271.050 billion, up 1.62% from RMB 266.733 billion in 2019[18]. - The total assets of the bank increased by 10.60% to RMB 28.132 trillion from RMB 25.436 trillion in 2019[18]. - The bank's net loans and advances increased by 11.62% to RMB 16.231 trillion, compared to RMB 14.542 trillion in 2019[18]. - The bank's customer deposits rose by 12.24% to RMB 20.615 trillion, up from RMB 18.366 trillion in 2019[18]. - The bank's core tier 1 capital increased by 8.20% to RMB 2.261 trillion from RMB 2.090 trillion in 2019[18]. - The bank's return on equity (ROE) for 2020 was 11.36%, compared to 11.93% in 2019[18]. - The net profit for 2020 was RMB 273.579 billion, reflecting a growth of 1.62% year-on-year[30]. - The average return on assets (ROA) was 1.02%, while the weighted average return on equity (ROE) was 12.12%[30]. - The non-performing loan ratio stood at 1.56%, indicating stable asset quality[30]. - The bank's operating income for 2020 totaled RMB 755.858 billion, with quarterly revenues showing fluctuations throughout the year[22]. - The group’s net profit for 2020 was RMB 273.58 billion, reflecting a growth of 1.62% compared to the previous year, while the total profit amounted to RMB 336.62 billion, a 3.07% increase[61]. - The group reported a cost-to-income ratio of 25.12%, a decrease of 1.41 percentage points from the previous year, maintaining a good level of operational efficiency[61]. Asset and Liability Management - Total assets reached CNY 28.13 trillion, an increase of 10.60% year-on-year[42]. - The group’s total liabilities reached RMB 25.74 trillion, an increase of 10.96%, with total deposits amounting to RMB 20.61 trillion, up 12.24%[59]. - The total amount of loans and advances issued by the group was RMB 16.79 trillion, an increase of RMB 1.76 trillion, with a growth rate of 11.74% year-on-year[97]. - The total loan loss provisions amounted to RMB 556.06 billion by the end of 2020, with stage one provisions at RMB 275.43 billion, stage two at RMB 108.10 billion, and stage three at RMB 172.54 billion[101]. - Total liabilities reached RMB 25.74 trillion, an increase of RMB 2.54 trillion or 10.96% year-on-year[116]. - Customer deposits amounted to RMB 20.61 trillion, up RMB 2.25 trillion or 12.24% from the previous year[116]. Digital Transformation and Technology - The bank aims to enhance its digital operations by focusing on customer-centric services and creating a symbiotic ecosystem for businesses[7]. - The company plans to continue its digital transformation, focusing on building a robust digital ecosystem and enhancing user engagement[46]. - The company invested 22.109 billion yuan in financial technology in 2020, a 25.38% increase year-on-year, accounting for 2.93% of operating income[142]. - The number of financial technology personnel reached 13,104, representing 3.51% of the total workforce[142]. - The cumulative number of registered users for the digital inclusive finance model exceeded 280 million, with over 14,000 branches providing more than 14,000 government services[45]. Risk Management - The bank's risk management framework addresses credit, market, operational, liquidity, reputation, and country risks[5]. - The company has implemented a modern risk control system, utilizing big data and scoring tools for precise customer risk assessment[47]. - By the end of 2020, the non-performing loan ratio was 1.56%, with a provision coverage ratio of 213.59% and a loss reserve to total loans ratio of 3.33%[47]. Corporate Social Responsibility - The bank's commitment to corporate social responsibility includes environmental, social, and governance (ESG) initiatives[4]. - The bank contributed RMB 3.17 billion in material donations and provided nearly RMB 6 trillion in credit support during the pandemic[30]. - The company provided credit support of RMB 125.68 billion to 12,166 key enterprises for pandemic prevention and resumption of work[131]. Inclusive Finance and Housing Rental - The company expanded its inclusive finance services, launching a mobile financial service platform for small and micro enterprises, with inclusive finance loan balance exceeding CNY 1 trillion[33]. - As of the end of 2020, the total balance of inclusive finance loans reached CNY 1.45 trillion, an increase of CNY 489.2 billion from the previous year, ranking first in the market[44]. - The company signed strategic cooperation agreements for policy rental housing in 11 cities, providing over 140,000 long-term rental housing sources[44]. - The company plans to provide RMB 300 billion in credit support over three years for policy-based rental housing in 11 pilot cities, aiming to offer approximately 1.2 million rental units[136]. International Operations - China Construction Bank (London) total assets reached CNY 34.6 billion with a net profit of CNY 0.23 billion in 2020[176]. - China Construction Bank (Russia) total assets amounted to CNY 21.33 billion and net profit was CNY 0.17 billion in 2020[177]. - China Construction Bank (Europe) reported total assets of CNY 137.32 billion, with a net loss of CNY 0.35 billion in 2020[178]. - China Construction Bank (New Zealand) total assets were CNY 87.68 billion, achieving a net profit of CNY 0.54 billion in 2020[179]. - China Construction Bank (Brazil) total assets reached CNY 196.18 billion, with a net loss of CNY 7.28 billion in 2020[180]. - China Construction Bank (Malaysia) reported total assets of CNY 87.36 billion and a net profit of CNY 0.49 billion in 2020[181]. - China Construction Bank (Indonesia) total assets were CNY 117.52 billion, with a net profit of CNY 0.19 billion in 2020[182].

Financial Performance - Net profit attributable to shareholders was RMB 68,206 million, a decrease of 4.14% year-on-year[7] - Operating income for the quarter was RMB 182,326 million, reflecting a growth of 2.34% compared to the same period last year[7] - Basic and diluted earnings per share were RMB 0.27, down 3.57% year-on-year[7] - The annualized weighted average return on equity was 12.28%, a decrease of 1.85 percentage points compared to the previous year[7] - The net profit for the nine months ended September 30, 2020, was RMB 205,832 million, a decrease of 8.66% year-on-year[7] - The net profit for the nine months ended September 30, 2020, was CNY 207.61 billion, a decrease of 8.70% year-on-year, primarily due to a significant increase in impairment losses[16] - The total comprehensive income for the group for the nine months ended September 30, 2020, was RMB 188.909 billion, compared to RMB 237.903 billion for the same period in 2019, representing a decrease of approximately 21%[38] - The net income attributable to shareholders for the group was RMB 187.152 billion for the nine months ended September 30, 2020, down from RMB 236.074 billion in 2019, indicating a decline of about 21%[38] Assets and Liabilities - Total assets reached RMB 28,298,121 million, an increase of 11.25% compared to RMB 25,436,261 million in the previous year[5] - The total liabilities increased by CNY 2,751.12 billion or 11.86% to CNY 25,952.25 billion as of September 30, 2020[15] - The total loans and advances amounted to CNY 16,711.37 billion, reflecting an increase of CNY 1,688.54 billion or 11.24%[15] - The total equity attributable to shareholders of the bank as of September 30, 2020, was RMB 2,345,870 million, an increase from RMB 2,235,127 million as of December 31, 2019, representing an increase of approximately 4.9%[26] - The total liabilities of China Construction Bank as of September 30, 2020, amounted to RMB 25,952,251 million, an increase from RMB 23,201,134 million as of December 31, 2019, representing an increase of approximately 11.9%[25] Cash Flow - The net cash flow from operating activities for the nine months was RMB 610,678 million, an increase of 243.20% year-on-year[7] - The total cash inflow from operating activities for the group was RMB 3,847,920 million, compared to RMB 2,199,818 million in the previous year, reflecting a year-over-year increase of approximately 75%[42] - The net cash flow from operating activities was RMB 610,678 million, compared to RMB 177,939 million in the same period last year, indicating a substantial increase[43] - The cash inflow from investment activities totaled RMB 1,569,007 million, compared to RMB 1,356,117 million in the previous year, marking an increase of approximately 15.7%[44] - The total cash and cash equivalents at the end of the period amounted to RMB 850,557 million, an increase from RMB 648,516 million at the end of the same period last year[46] Impairment and Provisions - Impairment losses rose by 46.80% to CNY 161.76 billion, with credit impairment losses accounting for CNY 161.31 billion, influenced by the pandemic and increased loan volumes[16] - The credit impairment losses rose to RMB (161,315) million, a 46.73% increase influenced by heightened provisioning efforts due to the pandemic[19] - The group reported an increase in credit impairment losses to RMB 161,315 million for the nine months ended September 30, 2020, from RMB 109,943 million in the same period of 2019[48] Capital and Ratios - The capital adequacy ratio was 16.88% and the core tier 1 capital ratio was 13.15%, both meeting regulatory requirements[15] - The core tier 1 capital adequacy ratio was 13.15% as of September 30, 2020, down from 13.88% at the end of 2019[53] - The total capital adequacy ratio was 16.88% as of September 30, 2020, down from 17.52% at the end of 2019[53] - The leverage ratio was 7.78% as of September 30, 2020, meeting regulatory requirements[54] - The liquidity coverage ratio averaged 147.33% for the third quarter of 2020, an increase of 4.67 percentage points compared to the second quarter of 2020[56] User Base and Market Strategy - The group's user base increased by 12% year-over-year, reaching a total of 81 million active users as of September 30, 2020[32] - The company plans to expand its market presence in Southeast Asia, targeting a 15% increase in market share by the end of 2021[32] - The company is investing in new technology development, with a budget allocation of RMB 5 billion for research and development in 2021[32] Other Financial Metrics - The net interest income grew by 6.66% to CNY 404.79 billion, while the net interest margin decreased by 0.13 percentage points to 1.99%[16] - The net fee and commission income for the first nine months of 2020 was RMB 113,507 million, compared to RMB 108,968 million in the same period of 2019, showing a growth of about 4.6%[29] - The bank's interest income for the first nine months of 2020 was RMB 711,546 million, compared to RMB 657,416 million in the same period of 2019, reflecting an increase of about 8.2%[29] - The total operating income for the first nine months of 2020 reached RMB 571,435 million, up from RMB 539,635 million in the same period of 2019, indicating an increase of approximately 5.9%[29]