21世纪经济报道记者 杨希 8月29日，中国建设银行于京港两地同步举行中期业绩发布会。建设银行行长张毅出席发布会并答问。 张毅介绍，上半年建设银行锚定"三稳""三优""三控"目标不动摇，经营成果稳中有进、稳中提质。 "三稳"方面，上半年建设银行核心资产增长稳健，截至6月末，发放贷款总额27.44万亿元，较上年末增 长6.20%，金融投资11.77万亿元，较上年末增长10.17%；核心负债增长稳健，吸收存款30.47万亿元， 较上年末增长6.11%；关键指标表现稳健，净息差1.40%、ROA 0.77%、ROE 10.08%，资本充足率 19.51%，核心指标继续保持均衡协调和可比同业领先。 "三优"方面，该行资产结构优化，贷款和债券余额占比近九成，聚焦提振消费、服务新质生产力、"两 重""两新"等重点领域，加大资源支持；负债结构优化，有效控制长期限、高成本存款，境内活期存款 余额占比超四成，可比同业领先，存款付息率1.40%，同比下降32bps；收入结构优化，轻资产、轻资 本业务转型推动新兴领域收入持续增长，手续费及佣金净收入在经营收入中占比为16.90%，可比同业 领先；抓住金融市场有利机遇，优化投资交易策 ...

建行2024年度全年现金股息每股0.403元，股息总额约1007.54亿元，分红比例同样为30%。 经济观察网 中国建设银行（601939）8月29日发布2025年中期报告，董事会建议向全体普通股股东派发 中期现金股息，每10股人民币1.858元（含税），合计约486.05亿元，分红比例达2025年上半年净利润的 30.0%。 该方案将于下半年提交股东大会审议。此次H股股息派发将提供币种选择，H股股东可选择以人民币或 港币收取股息。 ...

Core Viewpoint - China Construction Bank emphasizes risk prevention as a fundamental theme of financial work, focusing on proactive asset quality management [1] Group 1: Economic Context - The national economy showed steady progress in the first half of the year, supported by ongoing macro policies [1] - The bank's asset quality is closely linked to the development of the real economy and its own risk management capabilities [1] Group 2: Company Strategy - China Construction Bank plans to continue implementing the decisions of the Central Committee and the State Council regarding financial risk prevention and resolution [1] - The bank aims to enhance its integrated risk internal control management system, strengthen control, adjust structure, and solidify its foundation to improve risk management capabilities [1]

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之內容概不負責，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 賴該等內容而引致之任何損失承擔任何責任。 （ 於 中 華 人 民 共 和 國 註 冊 成 立 的 股 份 有 限 公 司 ） (A joint stock company incorporated in the People's Republic of China with limited liability) （股份代號：00939） 2025年半年度報告 本公告乃根據《香港聯合交易所有限公司證券上市規則》第13.10B條刊登。茲載列 該公告（於上海證券交易所網站刊登）如下，僅供參閱。 特此公告。 中國建設銀行股份有限公司 董事會 2025年8月29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 非執行董事為辛曉岱女士、劉芳女士、李璐女士、李莉女士和竇洪權先生，本行 的獨立非執行董事為威廉 • 科恩先生、梁錦松先生、詹誠信勛爵、林志軍先生和 張為國先生。 中国建设银行股份有限公司 2025 年半年度报告 股票代码： ...

Financial Data and Key Indicators Changes - The operating income for the first half of 2025 was CNY 1,000 billion, an increase of 2.95% compared to the previous year [4] - Net fee and commission income reached CNY 65.2 billion, up by 4% [82] - Net profit provisions increased to CNY 239.4 billion, reflecting a growth of 3.37% [5] - The gross loans to customers amounted to CNY 40 trillion, a rise of 6.2% [6] - The net interest margin (NIM) stood at 1.4%, with a return on assets (ROA) of 0.77% and return on equity (ROE) of 10.08% [6] - The capital adequacy ratio (CAR) was reported at 19.51% [6] Business Line Data and Key Indicators Changes - Loans to technology-related industries reached CNY 5 trillion, increasing by 16% [11] - The balance of inclusive loans to SMEs was CNY 3.74 trillion, up by 9.8% [14] - Personal consumption loans rose to CNY 614.2 billion, marking an increase of CNY 86 billion from the end of the previous year [17] - The balance of green finance reached CNY 5.72 trillion, an increase of 14.88% [12] Market Data and Key Indicators Changes - The loans to private enterprises totaled CNY 6.59 trillion, up by 9.92% [16] - The cross-border RMB settlement reached CNY 3 trillion, reflecting a growth of 23% [18] - The total asset of institutions in the RCEP region exceeded CNY 200 billion [19] Company Strategy and Development Direction - The company aims to focus on five priorities, including enhancing comprehensive financial services and supporting key infrastructure projects [24] - There is a commitment to high-quality development and optimizing operational strategies, particularly in asset and liability management [25] - The company plans to strengthen customer engagement and product portfolio to enhance market competitiveness [25] Management's Comments on Operating Environment and Future Outlook - Management highlighted the stable economic progress and sound macroeconomic measures in the first half of 2025 [70] - The company will continue to monitor credit policies and enhance risk control capabilities to maintain stable asset quality [71] - The outlook for the second half of 2025 includes a focus on supporting the real economy and optimizing credit policies [71] Other Important Information - The company has maintained a leading position in the industry with a cost-to-income ratio of 23.72%, outperforming peers [9] - The non-performing loan (NPL) ratio was reported at 1.33%, down by one basis point from the previous year [21] - The provision coverage ratio increased by 5.8% to 239.4% [22] Q&A Session Summary Question: What are the drivers behind the improvement in revenue and the outlook for profits this year? - Management noted marginal improvements in all business and profit indicators, with operational income and profit before provision showing positive growth [28] - Measures taken include improved capability to balance volume and price, fostering new drivers for noninterest income, and enhancing cost management [29][32] Question: Can you discuss the NIM outlook given recent rate cuts? - The NIM was reported at 1.4%, with a narrowing decline compared to previous quarters, but still leading in the industry [35] - Management indicated that while there may be further pressure on NIM due to rate cuts, proactive management will help maintain industry-leading levels [40] Question: What are the key areas for loan issuance and infrastructure loans? - The company executed guidelines to support the real economy, with corporate loans increasing significantly [42] - Infrastructure loans remain a pillar for the company, with expectations for better results in the second half due to national projects [46] Question: How does the company plan to manage bond investments amid market fluctuations? - The company has increased its bond investment to CNY 11 trillion, focusing on national, local, and corporate bonds [52] - A proactive strategy is in place to optimize bond investment structure and maintain a leading position in the market [56] Question: What measures are being taken to increase deposits in a low-interest environment? - The company reported a deposit increase of CNY 760 billion, with a focus on expanding the customer base and innovative products [60] - Strategies include leveraging technology for customer engagement and adapting to market dynamics [64] Question: What is the outlook for asset quality in the second half? - The NPL ratio was stable at 1.33%, with management committed to enhancing risk control capabilities [68] - The company plans to implement measures to mitigate risks and maintain stable asset quality indicators [71] Question: What progress has been made in fintech and digital economy initiatives? - The company has strengthened its digital ecosystem and improved customer experience through enhanced mobile services [76] - Significant progress has been made in AI technology, improving operational efficiency and customer service capabilities [74]

Financial Data and Key Indicators Changes - The operating income for the first half of 2025 was CNY 1,000 billion, an increase of 2.95% compared to the previous year [4] - Net fee and commission income reached CNY 65.2 billion, up by 4% [5][86] - Net profit provisions increased by 3.37% [5] - Gross loans to customers amounted to CNY 40 trillion, reflecting a growth of 6.2% [6] - Financial investments stood at CNY 11.77 trillion, an increase of 10% [6] - The net interest margin (NIM) was 1.4%, with a return on assets (ROA) of 0.77% and return on equity (ROE) of 10.08% [6] - The capital adequacy ratio (CAR) was reported at 19.51% [6] Business Line Data and Key Indicators Changes - Loans to technology-related industries reached CNY 5 trillion, increasing by 16% [11] - The balance of inclusive loans to SMEs was CNY 3.74 trillion, up by 9.8% [14] - Personal consumption loans increased to CNY 614.2 billion, marking a significant growth [17] - Loans to private enterprises totaled CNY 6.59 trillion, reflecting a growth of 9.92% [16] Market Data and Key Indicators Changes - The balance of green finance reached CNY 5.72 trillion, an increase of 14.88% [12] - The cross-border RMB settlement volume was CNY 3 trillion, up by 23% [18] - The total asset of institutions in the RCEP region exceeded CNY 200 billion [19] Company Strategy and Development Direction - The company aims to focus on key areas of economic development and enhance financial services to the real economy [24] - There is a commitment to high-quality development and optimizing operational strategies [24][25] - The company plans to strengthen customer engagement and product portfolio to build market competitiveness [25] - Emphasis on risk prevention and building strong risk mitigation mechanisms [25] Management's Comments on Operating Environment and Future Outlook - Management noted that the economic environment presents both opportunities and challenges, with a focus on maintaining stable profit growth [23][35] - The company will continue to optimize its asset-liability structure and enhance asset quality control [35] - There is confidence in maintaining industry-leading NIM levels despite external pressures [40] Other Important Information - The company has established a five-dimensional integrated service system to enhance customer service [10] - The digital finance sector has seen significant growth, with a monthly active user count of 243 million, up by 14.4% [15][80] - The company has been recognized as the best large-scale retail bank in China for five consecutive years [20] Q&A Session Summary Question: What are the drivers behind the improvement in revenue and the outlook for profits this year? - Management highlighted marginal improvements in all business and profit indicators, with operational income and profit before provision showing positive growth [28][29] Question: Can you discuss the NIM outlook given recent rate cuts? - Management acknowledged a narrowing decline in NIM but emphasized that it remains industry-leading, with proactive management expected to maintain this position [36][40] Question: What are the key areas for loan issuance and infrastructure loans? - The company reported balanced loan issuance, with corporate loans increasing significantly and a focus on personal consumption loans [43][44] Question: How has the company managed deposits in a low-interest environment? - Management noted a steady increase in deposits, with a focus on expanding the customer base and innovative products to enhance engagement [61][62] Question: What measures have been taken to ensure asset quality? - The company reported stable asset quality with a low NPL ratio and enhanced risk management systems [71][72] Question: What progress has been made in digital transformation and fintech? - Management outlined significant advancements in digital services and AI technology, enhancing operational efficiency and customer service [76][78]

Financial Data and Key Indicator Changes - The operating income for the first half of 2025 was CNY 1,000 billion, an increase of 2.95% compared to the previous year [4] - Net fee and commission income reached CNY 65.2 billion, up by 4% [86] - Net profit provisions increased by 3.37% [4] - Gross loans to customers amounted to CNY 40 trillion, reflecting a growth of 6.2% [6] - Financial investments stood at CNY 11.77 trillion, an increase of 10% [6] - The net interest margin (NIM) was 1.4%, with a return on assets (ROA) of 0.77% and return on equity (ROE) of 10.08% [6] - The capital adequacy ratio (CAR) was reported at 19.51% [6] Business Line Data and Key Indicator Changes - Loans to technology-related industries reached CNY 5 trillion, increasing by 16% [11] - The balance of inclusive loans to SMEs was CNY 3.74 trillion, up by 9.8% [14] - Personal consumption loans increased significantly, with a total of CNY 614.2 billion, marking a growth of CNY 86 billion from the previous year [17] - Loans to private enterprises totaled CNY 6.59 trillion, reflecting a growth of 9.92% [16] Market Data and Key Indicator Changes - The balance of green finance reached CNY 5.72 trillion, an increase of 14.88% [12] - The cross-border RMB settlement volume was CNY 3 trillion, up by 23% [18] - The total asset of institutions in the RCEP region exceeded CNY 200 billion [19] Company Strategy and Development Direction - The company aims to focus on five priorities, including enhancing financial services for the real economy and supporting infrastructure projects [24] - CCB plans to optimize its operational strategy, focusing on asset structure and customer engagement [25] - The bank is committed to high-quality development and aims to strengthen its risk control mechanisms [25] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in maintaining stable profit growth and optimizing asset-liability structures [35] - The company will continue to monitor economic trends and adjust its credit policies accordingly [75] - The outlook for asset quality remains stable, with a focus on risk control in key areas such as real estate and inclusive finance [72] Other Important Information - The NPL ratio was reported at 1.33%, down by 1 basis point from the previous year [9] - The provision coverage ratio increased to 239.4%, up by 5.8% [72] - The company has seen a significant increase in digital finance capabilities, with MAU of its mobile app reaching 243 million, a growth of 14.4% [80] Q&A Session Summary Question: What are the drivers behind the improvement in revenue and the outlook for profits this year? - Management noted marginal improvements in all business and profit indicators, with operational income and profit before provision seeing positive growth of 2.95% and 3.37% respectively [29] Question: Can you discuss the NIM outlook given recent rate cuts? - Management indicated that while NIM was 1.4%, the decline has narrowed, and they expect proactive management to maintain industry-leading levels [36][40] Question: What are the key areas for loan issuance and infrastructure loans? - The company reported a balanced loan issuance, with corporate loans increasing significantly and a focus on personal consumption loans [44][48] Question: How has the company managed its bond investments amid market fluctuations? - Management highlighted a proactive strategy in bond investments, with a total bond investment scale reaching CNY 11 trillion [56] Question: What measures are being taken to stabilize and increase deposits? - The company emphasized the importance of deposits and reported an increase of CNY 760 billion in deposits, with a focus on customer engagement and innovative products [62][66] Question: What is the outlook for asset quality in the second half? - Management expressed confidence in maintaining stable asset quality, with a focus on risk control and monitoring in key areas [72][75] Question: What progress has been made in digital transformation and fintech? - The company reported significant advancements in digital services, with a focus on enhancing customer experience and operational efficiency [78][80]

经济观察网 2025年8月29日，中国建设银行（601939）发布2025年中期报告，数字金融转型取得显著成 效。本集团制定并实施数字金融业务发展2025年行动计划和三年行动方案，持续夯实数字化转型基础， 全面提升各业务领域数字化能力。 线上平台建设成果丰硕。系统性提升手机银行渠道服务、系统支撑、金融产品三大基础能力，强化手机 银行和"建行生活""双子星"线上经营主阵地作用，坚持"流量规模—流量质量—价值变现"经营路径，推 动流量高质量增长。"双子星"用户总数达5.33亿户，月活用户达2.43亿户，同比增长14.40%，当年金融 交易用户数占比同业领先。 数字人民币试点扎实推进。累计实现消费笔数5.22亿笔，消费金额1,048.47亿元，试点工作高质量发 展。积极助力数字经济发展，截至2025年6月末，按中国人民银行口径，建行数字经济核心产业贷款余 额8,523.77亿元，较年初新增1,009.77亿元，增幅13.44%，高于全行各项贷款增幅。 金融科技应用深度推进。持续深化金融大模型能力建设，实现推理效率倍增，日均调用量同比增长 96.96%，累计赋能授信审批、智能客服、"帮得"个人客户经理助理等274个行 ...

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之內容概不負責，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 賴該等內容而引致之任何損失承擔任何責任。 2025年中期利潤分配方案公告 本公告乃根據《香港聯合交易所有限公司證券上市規則》第13.10B條刊登。茲載列 該公告（於上海證券交易所網站刊登）如下，僅供參閱。 特此公告。 中國建設銀行股份有限公司 董事會 2025年8月29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 非執行董事為辛曉岱女士、劉芳女士、李璐女士、李莉女士和竇洪權先生，本行 的獨立非執行董事為威廉 • 科恩先生、梁錦松先生、詹誠信勛爵、林志軍先生和 張為國先生。 股票代码：601939 股票简称：建设银行 公告编号：临 2025-054 （ 於 中 華 人 民 共 和 國 註 冊 成 立 的 股 份 有 限 公 司 ） (A joint stock company incorporated in the People's Republic of China with limited liability) ...

-农业银行：2025年上半年实现营业收入3697.93亿元，同比增长0.7%；归母净利润1395.1亿 元，同比增长2.7%； 29日盘后，工商银行、农业银行、中国银行、建设银行、交通银行披露半年报： -中国银行：今年上半年营业收入3294.18亿元，上年同期3179.29亿元；股东应享税后利润 1175.91亿元，上年同期1186.01亿元； -工商银行：2025年上半年营业收入4090.82亿元，上年同期4019.99亿元；归母净利润1681.03 亿元，上年同期1704.67亿元； -建设银行：今年上半年经营收入3859.05亿元，同比增加2.95%；归属于股东净利润1620.76亿 元，同比减少1.37%； -交通银行：今年上半年净经营收入1334.98亿元，同比增长0.72%；归母净利润460.16亿元，同 比增长1.61%。 ...