Dividends and Shareholder Returns - The total cash dividend for the fiscal year 2025 is approximately RMB 101.68 billion, with a cash dividend of RMB 3.887 per 10 shares[6]. - The proposed final cash dividend for the fiscal year 2025 is RMB 2.029 per 10 shares, totaling approximately RMB 53.08 billion[6]. - The interim cash dividend distributed for the fiscal year 2025 was RMB 1.858 per 10 shares, amounting to approximately RMB 48.61 billion[6]. - The bank's total cash dividends for the fiscal year 2025 reflect a commitment to shareholder returns amidst ongoing business developments[6]. - The cash dividend proposed for the end of 2025 is RMB 2.029 per 10 shares, with a total cash dividend for the year of RMB 3.887 per 10 shares[42]. Financial Performance - Total operating income for 2025 was RMB 740.87 billion, a slight increase of 1.69% compared to RMB 728.57 billion in 2024[35]. - Net profit for 2025 reached RMB 339.79 billion, reflecting a growth of 1.04% from RMB 336.28 billion in 2024[35]. - The total assets as of December 31, 2025, amounted to RMB 45.63 trillion, representing a 12.47% increase from RMB 40.57 trillion in 2024[35]. - The net interest income decreased by 2.90% to RMB 572.77 billion in 2025 from RMB 589.88 billion in 2024[35]. - The bank's return on equity (ROE) stood at 10.04% for 2025[31]. - The average return on assets (ROA) decreased to 0.79% in 2025 from 0.91% in 2023, while the weighted average return on equity (ROE) fell to 10.04% from 11.56%[36]. - The cost-to-income ratio was reported at 29.44% in 2025, slightly increasing from 28.39% in 2023[36]. - The net cash flow from operating activities surged to RMB 2.10 trillion, a significant increase of 521.63% compared to RMB 338.02 billion in 2024[35]. Risk Management - The bank faces various risks including credit risk, market risk, and operational risk, and has implemented measures to manage these risks effectively[7]. - The company emphasizes strengthening risk management capabilities, focusing on asset quality and risk compensation, with ongoing improvements in risk internal control systems and smart risk control construction[44]. - A proactive and intelligent risk control system is being established to monitor potential risks and ensure asset quality management remains a top priority[49]. - The company plans to implement a dynamic adjustment mechanism for credit policies and approval processes to balance flexibility and control[49]. Customer Base and Services - The bank serves 785 million individual customers and 12.73 million corporate clients, with a total of 378,344 employees and 14,614 operating institutions[19]. - The bank is committed to enhancing its services in five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance[19]. - The bank's operational philosophy emphasizes market orientation and customer-centric services, focusing on compliance and risk management[20]. - The cumulative number of registered individual users on the "Jianhang Huidongni" platform reached 26.6 million, with a total of 5.32 billion visits[176]. - The total number of personal mobile banking wealth customers reached 44.52 million, an increase of 13.69% year-on-year[182]. Loans and Advances - The balance of technology loans reached RMB 5.25 trillion, with an increase of 18.91%[33]. - The balance of inclusive finance loans for small and micro enterprises reached RMB 3.83 trillion, growing by 12.37%[33]. - The balance of loans to the private economy reached CNY 6.72 trillion, growing by 12.17%[54]. - The total amount of domestic corporate loans and advances was RMB 15.69 trillion, with a year-on-year increase of RMB 1.26 trillion, representing a growth rate of 8.70%[194]. - The balance of loans directed towards the manufacturing industry was RMB 3.52 trillion, with a year-on-year increase of RMB 480.56 billion, representing a growth rate of 15.83%[194]. Investments and Financial Assets - The total financial investments amounted to RMB 12,897.35 billion, an increase from RMB 10,683.96 billion in the previous year[128]. - The bond investments accounted for 96.38% of total financial investments, with a year-on-year increase of RMB 2.12 trillion or 20.51%[130]. - The company's RMB bond investments amounted to RMB 11.84 trillion, up RMB 1.89 trillion or 19.01% year-on-year, while foreign currency bond investments increased by RMB 224.16 billion or 61.09%[132]. - The total amount of issued debt securities was CNY 2.59 trillion, an increase of CNY 206.93 billion or 8.67% from the previous year[145]. Corporate Governance and Compliance - The bank's board of directors guarantees the accuracy and completeness of the annual report, with no false statements or significant omissions[6]. - The bank's financial reports for the fiscal year 2025 were audited by Ernst & Young, with an unqualified opinion issued[7]. - Continuous efforts are being made to improve corporate governance and customer service systems, aiming to release internal vitality and drive high-quality development[46]. Sustainability and Green Finance - The bank's commitment to high-quality development is reflected in its strategic focus on innovation and advanced productivity[19]. - The total balance of green loans was CNY 6.00 trillion, indicating a robust growth in sustainable finance[54]. - The bank's cumulative investment in green projects reached CNY 43.5 billion, covering key areas such as wind power, solar energy, and environmental protection[173]. - The bank participated in underwriting 164 green and sustainable development bonds, with a total issuance scale equivalent to CNY 499.72 billion, a year-on-year increase of 168.11%[172].

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。 表決情況：同意14票，反對0票，棄權0票。 00939 董事會會議決議公告 （2026年3月27日） 中國建設銀行股份有限公司（「本行」）董事會會議（「本次會議」）於2026年3月27日在 北京以現場會議方式召開。本行於2026年3月13日以書面形式發出本次會議通知。 本次會議由張金良董事長主持，應出席董事14名，實際親自出席董事12名，張毅副 董事長委託紀志宏董事代為出席並表決，史劍董事委託辛曉岱董事代為出席並表 決。本次會議的召開符合《中華人民共和國公司法》《中國建設銀行股份有限公司章 程》（「《公司章程》」）等規定。 本次會議審議通過如下議案： 一、 關於《中國建設銀行股份有限公司2025年度資本管理第三支柱信息披露報告》 的議案 《中國建設銀行股份有限公司2025年度資本管理第三支柱信息披露報告》請參 見登載於香港交易及結算所有限公司「披露易」網站(www.hkexnews.hk)的相 關內容。 ...

Core Viewpoint - China Construction Bank is a major player in the global banking sector, providing a range of services and competing with other large state-owned banks in China [1]. Group 1: Earnings and Financial Performance - China Construction Bank is set to release its 2025 annual results on March 27, 2026, with expected earnings per share of approximately $0.84 and revenue around $24.24 billion [2]. - The stock has been trading between $20.66 and $20.92, with a 50-day moving average of approximately $20.17–$20.23 and a 200-day moving average of about $20.01–$20.03, indicating stable trading performance [3]. Group 2: Market Metrics - The bank's market capitalization is estimated to be between $270 billion and $273 billion, with a trailing P/E ratio in the mid-5 range and a beta of about 0.13, suggesting low volatility [3]. - Balance-sheet metrics indicate a debt-to-equity ratio of approximately 0.73, with both the current ratio and quick ratio around 0.87, reflecting moderate leverage and adequate short-term liquidity [4]. Group 3: Investor Focus - Investors are particularly interested in the upcoming annual results for insights into profitability, asset quality, loan growth, and capital strength [4].

Core Viewpoint - The Construction Bank of Heilongjiang Province is committed to supporting local economic development through financial services focused on food security, industrial upgrades, technological innovation, and public welfare during the "14th Five-Year Plan" period [2][5]. Financial Support and Achievements - The bank has allocated over 600 billion yuan in loans and underwritten local government bonds exceeding 100 billion yuan during the "14th Five-Year Plan" [5]. - Agricultural loans have reached 54.8 billion yuan, marking a 60% increase since the end of 2020 [5]. - The bank has provided significant funding for high-end equipment manufacturing, digital transformation projects, and infrastructure loans to support major projects [5]. Technological and Green Finance Initiatives - The bank established a unique "technology flow" evaluation system for credit assessment, serving 2,525 technology enterprises with a technology loan balance of 28.6 billion yuan, an increase of 23.5 billion yuan since the end of 2020 [6]. - Green credit balance has reached 28.3 billion yuan, growing fourfold since the end of 2020, with a focus on clean energy and environmental protection [6]. Inclusive and Digital Finance - The bank has developed innovative financial products to address the financing challenges faced by small and micro enterprises, facilitating quick loan approvals [7]. - A digital transformation strategy has been implemented, providing credit support of 19.4 billion yuan to 67 core enterprises through an online supply chain platform [7]. Community Engagement and Social Responsibility - The bank has engaged in various volunteer activities, serving over 5 million people through its "Laborer’s Harbor" initiative, providing essential services to outdoor workers [8]. - A total of 1.4 million yuan has been invested in community support initiatives, including assistance for students and contributions to rural revitalization [11].

Core Viewpoint - Construction Bank's Duyashan Branch is focusing on providing precise financial support to local enterprises, enhancing their development momentum through tailored financial solutions [1][2]. Group 1: Company Overview - Jinnuo Hengye Machinery Manufacturing Co., Ltd. is a national high-tech enterprise and provincial-level specialized and innovative small and medium-sized enterprise, recognized for its patented technologies in the mining equipment manufacturing sector [2]. - The company is currently in a critical phase of technological iteration and capacity expansion, driven by increasing market orders and a need for substantial funding for research and raw material procurement [2]. Group 2: Financial Support Initiatives - Construction Bank's Duyashan Branch has developed a specialized financing solution called "Shanxin Loan," which is a pure credit working capital loan designed to meet the funding needs of specialized and innovative enterprises like Jinnuo Hengye [2]. - The bank quickly established a green approval channel, providing a timely injection of 10 million yuan in working capital loans to alleviate the company's financial pressure and support its growth [2]. Group 3: Collaborative Efforts - A government-bank-enterprise docking platform was established by the Finance Bureau and Industry and Information Technology Bureau of Lingdong District, facilitating in-depth communication and precise matching of financing needs between the bank and local enterprises [3]. - The bank aims to continue enhancing its financial services, focusing on specialized and innovative sectors, manufacturing, and small and medium-sized enterprises, to inject financial momentum into local economic development [3].

Core Viewpoint - The China Construction Bank (CCB) aims to deepen cooperation in three key areas to lead the green flow of international capital, as stated by President Zhang Yi at the 2026 Global Southern Financial Forum [1]. Group 1: Cooperation Areas - CCB is committed to discussing standards to enhance communication in green finance among different countries, sharing practices in project identification and information disclosure [1]. - The bank seeks to identify opportunities for efficient project-capital matching by enhancing information exchange with financial institutions globally and exploring joint financing and cross-border collaboration [1]. - CCB emphasizes the importance of risk management in addressing climate challenges, proposing to share experiences in climate stress testing and ESG risk management to improve collective capabilities [1]. Group 2: Focus on Green Development - CCB focuses on key regions and industries for green development, supporting national strategies like the Yangtze River Delta ecological integration and the Yellow River basin's ecological protection [2]. - The bank is exploring a "circle-chain-group" operational model to provide comprehensive green services across production, circulation, and consumption, exemplified by its support for the electric vehicle industry [2]. - CCB has innovated financial tools, promoting an integrated commercial and investment banking model, successfully underwriting landmark projects like carbon-neutral bonds, with over 2.7 trillion yuan allocated to green sectors [2]. Group 3: Cross-Border Green Financing - CCB is actively participating in the formulation of regulatory transformation financial standards and assisting key clients in preparing and disclosing transformation plans for international markets [2]. - The bank has expanded its overseas branch network across 28 countries and regions, increasing financial support for green projects along the Belt and Road Initiative [2]. - CCB organizes cross-border matching events to connect China's green production capacity and technological solutions with the green needs of partner countries [2]. Group 4: Risk Management - CCB prioritizes risk management as a vital aspect of sustainable development, conducting climate risk stress tests to assess impacts on key industries and regions [2]. - The bank integrates ESG risk management requirements throughout its investment and financing processes, utilizing GIS technology to prevent ecological risks from the source [2]. - CCB has maintained an AAA rating from MSCI ESG, distinguishing itself as the only bank among the top ten global banks by market capitalization to achieve this highest rating [2].

Group 1 - The China Construction Bank has obtained a patent titled "Processing Method, Device, Equipment, Storage Medium and Product Based on Scoring Template," with authorization announcement number CN115719056B, applied for on December 2022 [1] - China Construction Bank, established in 2004 and located in Beijing, primarily engages in monetary financial services, with a registered capital of 26,160,038.1459 thousand RMB [1] - The bank has invested in 37 companies, participated in 45,011 bidding projects, and holds 1,895 trademark records and 5,000 patent records, along with 149 administrative licenses [1] Group 2 - Jianxin Financial Technology Co., Ltd., established in 2018 and located in Shanghai, focuses on software and information technology services, with a registered capital of 1,729.729729 million RMB [1] - Jianxin Financial Technology has invested in 6 companies, participated in 4,505 bidding projects, and holds 294 trademark records and 5,000 patent records, along with 10 administrative licenses [1]

Group 1 - The core point of the article is that China Construction Bank has obtained a patent for a "web data loading method, device, computer equipment, and storage medium," with the authorization announcement number CN114238826B, and the application date being December 2021 [1] Group 2 - China Construction Bank, established in 2004 and located in Beijing, primarily engages in monetary financial services [1] - The registered capital of China Construction Bank is approximately 26.16 billion RMB [1] - The bank has made investments in 37 companies and participated in 45,010 bidding projects [1] - The bank holds 1,895 trademark information records and 5,000 patent information records, along with 149 administrative licenses [1]

Group 1 - The core point of the article is that China Construction Bank has obtained a patent for a method and related products for remote house viewing based on digital twins, with the patent granted under announcement number CN116050753B and the application date being December 2022 [1] Group 2 - China Construction Bank was established in 2004 and is located in Beijing, primarily engaged in monetary financial services [1] - The registered capital of China Construction Bank is approximately 26.16 billion RMB [1] - The bank has made investments in 37 companies and participated in 45,010 bidding projects [1] - The bank holds 1,895 trademark information entries and 5,000 patent information entries, along with 149 administrative licenses [1]

Group 1 - The core point of the article is that China Construction Bank has obtained a patent for a "data processing method, device, electronic equipment, and storage medium," with the authorization announcement number CN115439205B, and the application date being September 2022 [1] Group 2 - China Construction Bank, established in 2004 and located in Beijing, primarily engages in monetary financial services, with a registered capital of 26,160,038.1459 thousand RMB [1] - The bank has invested in 37 companies, participated in 45,009 bidding projects, and holds 1,895 trademark records and 5,000 patent records, along with 149 administrative licenses [1] Group 3 - Jianxin Financial Technology Co., Ltd., established in 2018 and located in Shanghai, focuses on software and information technology services, with a registered capital of 172,972.9729 thousand RMB [1] - The company has invested in 6 enterprises, participated in 4,502 bidding projects, and holds 294 trademark records and 5,000 patent records, along with 10 administrative licenses [1]