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） 2024年年度A股分紅派息實施公告 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4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 非執行董事為田博先生、夏陽先生、劉芳女士和李璐女士，本行的獨立非執行董 事為格雷姆 • 惠勒先生、米歇爾 • 馬德蘭先生、威廉 • 科恩先生、梁錦松先生、 詹誠信勛爵和林志軍先生。 证券代码：601939 证 ...

| 1 | 引言 | 2 | | --- | --- | --- | | 1.1 | 報告依據 | 2 | | 1.2 | 聲明 | 2 | | 2 | 關鍵審慎監管指標和風險加權資產概覽 | 3 | | 2.1 | 關鍵審慎監管指標概覽 | 3 | | 2.2 | 風險加權資產概覽 | 5 | | 3 | 全球系統重要性銀行評估指標 | 6 | | 4 | 槓桿率 | 7 | | 5 | 流動性風險 | 9 | | | 報表索引 10 | | 2025 年一季度資本管理 第三支柱信息披露報告 1 引言 1.1 報告依據 本報告編製依據為國家金融監督管理總局發佈的《商業銀行資本管理辦法》。 1.2 聲明 本行嚴格遵守監管規定，建立資本管理第三支柱信息披露治理架構，制定管理辦法。 本行董事會批準並由高級管理層實施有效的內部控制流程，全面提升信息披露標準化和流 程化管理水平，確保披露信息真實、可靠。 本報告已經高級管理層審核，並於2025年4月29日提交董事會審議通過。 2 2025 年一季度資本管理 第三支柱信息披露報告 2 關鍵審慎監管指標和風險加權資產概覽 2.1 關鍵審慎監管指標概覽 根據監管要求，本行須 ...

Financial Performance - For the first quarter of 2025, the operating income was RMB 185,990 million, a decrease of 4.76% compared to RMB 195,284 million in the same period of 2024[7] - The net profit for the first quarter of 2025 was RMB 83,742 million, down 3.64% from RMB 86,907 million in the first quarter of 2024[7] - The net profit attributable to shareholders was RMB 83,351 million, reflecting a decrease of 3.99% compared to RMB 86,817 million in the previous year[7] - Net profit for the first quarter of 2025 was RMB 83.742 billion, a decrease of 3.64% year-on-year, with a return on average assets of 0.80% and a weighted average return on equity of 10.42%[27] - For the three months ended March 31, 2025, the pre-tax profit was RMB 93,579 million, a decrease from RMB 102,307 million in the same period of 2024, representing a decline of about 8.3%[44] Cash Flow and Liquidity - The net cash flow from operating activities significantly increased to RMB 721,067 million, a rise of 244.46% from RMB 209,335 million in the same quarter of 2024[7] - Cash flow from investment activities for the three months ended March 31, 2025, was a net outflow of RMB 505,078 million, compared to a net outflow of RMB 135,041 million for the same period in 2024[48] - Cash flow from financing activities resulted in a net outflow of RMB 20,295 million for the three months ended March 31, 2025, compared to a net inflow of RMB 38,576 million in 2024[48] - The net increase in cash and cash equivalents for the three months ended March 31, 2025, was RMB 194,385 million, up from RMB 116,926 million in 2024[50] - Operating cash flow included interest received of RMB 213,417 million, down from RMB 240,081 million in the previous year[50] - Cash and cash equivalents at the beginning of the period were RMB 569,448 million, compared to RMB 925,463 million at the start of 2024[50] - Cash and cash equivalents at the end of the period stood at RMB 763,833 million, down from RMB 1,042,389 million in 2024[50] - The impact of exchange rate changes on cash and cash equivalents was a decrease of RMB 1,309 million, contrasting with an increase of RMB 4,056 million in 2024[50] Assets and Liabilities - Total assets as of March 31, 2025, reached RMB 42,794,715 million, representing a growth of 5.48% from RMB 40,571,149 million at the end of December 2024[7] - Total liabilities reached RMB 39.38 trillion, an increase of RMB 2.16 trillion, representing a growth of 5.79%, while total deposits absorbed were RMB 30.43 trillion, up RMB 1.72 trillion, a growth of 5.99%[24] - The bank's total liabilities amounted to RMB 39,383,387 million, up from RMB 37,227,184 million, indicating an increase of about 5.8%[39] - Shareholders' equity totaled RMB 3,411,328 million, compared to RMB 3,343,965 million, reflecting a growth of approximately 2.0%[41] Loans and Advances - The total amount of loans and advances issued was CNY 27.02 trillion, up CNY 1.18 trillion or 4.55% from the previous year-end[21] - The balance of loans to technology-related industries exceeded CNY 4 trillion, with strategic emerging industry loans growing by 17.14% year-on-year to CNY 3.34 trillion[15] - The balance of inclusive loans for small and micro enterprises reached CNY 36.3 trillion, an increase of CNY 221.98 billion compared to the end of the previous year[19] - The balance of agricultural loans reached CNY 3.56 trillion, an increase of CNY 231.06 billion compared to the end of the previous year[19] - The net increase in loans and advances was RMB 1,196,453 million for the three months ended March 31, 2025, compared to RMB 1,173,972 million in the same period of 2024, showing a slight increase[46] Shareholder Information - The number of ordinary shareholders as of March 31, 2025, was 308,181, with H-share shareholders numbering 36,896 and A-share shareholders totaling 271,285[9] - The largest shareholder, Central Huijin Investment Ltd., held 57.03% of H-shares and 0.11% of A-shares[9] - The total number of preferred shareholders was 24, all of whom were domestic, with the largest holding being 104,690,000 shares, representing 17.45%[11] Capital and Regulatory Compliance - The capital adequacy ratio was 19.15%, with a Tier 1 capital ratio of 14.67% and a core Tier 1 capital ratio of 13.98%, all meeting regulatory requirements[26] - The bank plans to issue A-shares to raise up to RMB 105 billion to supplement its core Tier 1 capital[28] - The bank issued RMB 40 billion in subordinated debt in March 2025 to enhance its capital structure[28] Non-Performing Loans - Non-performing loans amounted to RMB 358.136 billion, an increase of RMB 13.445 billion compared to the end of the previous year, with a non-performing loan ratio of 1.33%, down 0.01 percentage points[24] - The bank's non-performing loan ratio remained stable, reflecting effective risk management strategies in place[43] Digital and Technological Initiatives - The number of "Dual Star" users totaled 527 million, with monthly active users at 244 million, and financial transaction users increased by 6.56% year-on-year to 117 million[23] - The company’s digital economy core industry loans amounted to CNY 835.09 billion, reflecting an 11.14% increase year-on-year[23] - The company issued 20 tranches of technology innovation bonds, with an underwriting scale of CNY 6.202 billion, and the subscription volume for technology innovation bonds increased by 138.78% year-on-year[15] - The company’s pension fund asset management scale exceeded CNY 630 billion, with a 41% increase in new customer acquisition[19] Dividend Information - The bank's cash dividend for the year 2024 was RMB 0.403 per share, totaling approximately RMB 100.754 billion, with interim dividends of RMB 0.197 per share already distributed[27][28] Future Outlook - The bank plans to continue expanding its market presence and investing in new technologies to enhance operational efficiency and customer service[43]

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。 00939 董事會會議決議公告 （2025年4月29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2025年4月29日在 北京以現場會議方式召開。本行於2025年4月15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13名，實際親自出席董事13名。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年一季度資本管理第三支柱信息披露報 告》的議案 表決情況：同意13票，反對0票，棄權0票。 《中國建設銀行股份有限公司2025年一季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。 二、關於《中國建設銀行2025年內部資本充足評估報告》的議案 表決情況：同 ...

Core Viewpoint - Small and micro enterprises are crucial for stabilizing the economy and ensuring employment, as well as being important sources of innovation. The China Construction Bank is actively supporting these enterprises by providing financing and services tailored to their needs [1]. Group 1: Financing Initiatives - China Construction Bank has injected funds into over 1.25 million enterprises, with a total credit exceeding 1.5 trillion yuan [1]. - The bank has established a "236" work mechanism to enhance customer service and address the actual difficulties faced by enterprises [2]. - The bank's approach includes a six-step method for client visits, focusing on identifying and solving problems [2]. Group 2: Problem-Solving and Support - During visits, the bank collects detailed information on the challenges faced by enterprises and develops tailored solutions [3]. - A specific case involved a small technology company that received a customized financing solution after resolving a legal issue, resulting in a loan of 670,000 yuan [3]. Group 3: Sector-Specific Services - The bank provides differentiated services for key sectors such as foreign trade, technology, consumption, and agriculture, implementing "one enterprise, one policy" strategies [4]. - A foreign trade company received a 2 million yuan loan and additional support for managing exchange rate risks and logistics costs [4]. - A technology company focused on the pig farming industry was able to secure a specialized credit loan quickly, enhancing its financing efficiency [5]. Group 4: Consumer and Agricultural Support - A consumer goods company successfully obtained a 300,000 yuan loan to alleviate financial pressure from rising raw material costs [6]. - An agricultural financing model was developed for apple growers, allowing for quick, unsecured loans to support the expansion of the apple industry [7]. Group 5: Sustainable Financial Mechanisms - The bank is addressing issues like "difficulties in renewing loans" and "reluctance to lend" by implementing sustainable financial service mechanisms [8]. - A medical technology company benefited from a quick loan renewal process, demonstrating the bank's responsiveness to client needs [8]. Group 6: Risk Management and Support - The bank has established a "duty exemption" policy for credit staff, encouraging them to support enterprises without fear of penalties for unforeseen loan defaults [9]. - The bank aims to enhance the precision and accessibility of financial services for small and micro enterprises, contributing to high-quality economic development [9].

Core Viewpoint - The Inner Mongolia branch of China Construction Bank is actively implementing a no-repayment renewal loan policy to support private and small micro enterprises' financing needs from April 2024 to March 2025, facilitating 22,300 small micro enterprise clients with a total renewal loan amount of 15.049 billion yuan [2][3] Group 1: Policy Optimization - The bank has optimized three renewal loan products, including small business credit loans and mortgage quick loans, enhancing service efficiency and covering all types of clients [2] - The loan term has been adjusted from one year to a range of one to three years to better meet clients' operational cycle needs [2] - The continuous reduction in loan interest rates saves clients approximately 40 million yuan in interest expenses annually, effectively relieving the burden on credit personnel [2] Group 2: Customer Base Expansion - The renewal loan business has expanded from only small micro enterprise working capital loan clients to include small micro enterprise owners, individual businesses, and farmers' operational loans [2] - The bank will also provide renewal support for medium-sized enterprise working capital loans that are due before September 30, 2027, on par with small micro enterprises [2] Group 3: Renewal Processing Enhancement - Eligible clients can self-process renewal loans through the "CCB Hui Dong Ni" app, receiving renewal invitations 30 and 15 days before loan maturity [3] - For clients unable to process online, the bank will conduct further communication and follow-up through on-site investigations and negotiations for offline renewal [3] - Client managers will follow the entire renewal process to ensure that all eligible clients can renew their loans, meeting reasonable financing needs [3]

Group 1 - The core viewpoint of the article highlights the significant role of China Construction Bank's Shanghai branch in providing cross-border financial services, particularly through the FT account system, which has supported over 10,000 enterprises and facilitated nearly 600 billion yuan in loans, with 40% directed towards overseas clients [1][2] - The establishment of the Shanghai Global Financial Service Center in 2024 aims to enhance cross-border financial services for both inbound and outbound enterprises, leveraging the advantages of the Shanghai Free Trade Zone [2] - The bank is committed to advancing enterprise foreign exchange risk management by utilizing FT policies and offshore pricing advantages, offering diverse financial market tools to help businesses mitigate market volatility risks [3] Group 2 - The Shanghai branch is actively involved in supporting new offshore international trade settlements, particularly in response to tariff adjustments and supply chain changes, by optimizing international trade settlement services [3] - The bank plans to upgrade its FT account service capabilities by streamlining account opening processes, promoting FT online banking services, and enhancing the functionality of its comprehensive fund pool services to better serve overseas individuals and corporate clients [3]

证券简称：建设银行 证券代码：601939 中国建设银行股份有限公司 （注册地址：北京市西城区金融大街 25 号） 关于中国建设银行股份有限公司 向特定对象发行股票申请文件的审核问询函 的回复 联席保荐人（联席主承销商） 贵所于 2025 年 4 月 25 日出具的《关于中国建设银行股份有限公司向特定对象发 行股票申请文件的审核问询函》（上证上审（再融资）〔2025〕126 号）（以下简称"审 核问询函"）已收悉。中国建设银行股份有限公司（以下简称"建设银行"或"发行人"） 已会同中信证券股份有限公司、国泰海通证券股份有限公司（以下合称"联席保荐人"）、 北京市通商律师事务所（以下简称"通商律师"或"发行人律师"）、安永华明会计师 事务所（特殊普通合伙）（以下简称"安永华明"或"申报会计师"）等相关方，本着 勤勉尽责、诚实守信的原则，对审核问询函中所提出的问题进行了逐项落实、核查， 现就审核问询函中的问题回复如下，请贵所予以审核。 如无特别说明，《关于中国建设银行股份有限公司向特定对象发行股票申请文件的 审核问询函的回复》（以下简称"本审核问询函回复"或"本回复"）使用的简称与《中 国建设银行股份有限公司向特 ...

北京市通商律师事务所 关于中国建设银行股份有限公司 向特定对象发行 A 股股票的 补充法律意见书（一） 二〇二五年四月 | 一、 | 《审核问询函》问题 | 1：关于行政处罚 4 | | --- | --- | --- | | 二、 | 《审核问询函》问题 | 2：关于诉讼仲裁 8 | 中国北京建国门外大街 1 号国贸写字楼 2 座 12-15 层 100004 12-15thFloor,ChinaWorldOffice2,No.1JianguomenwaiAvenue,Beijing100004,China 电话 Tel:+861065637181 传真 Fax:+861065693838 电邮 Email:beijing@tongshang.com 网址 Web:www.tongshang.com 北京市通商律师事务所 关于中国建设银行股份有限公司 向特定对象发行 A 股股票的 补充法律意见书（一） 致：中国建设银行股份有限公司 本所接受建设银行的委托，担任其本次发行的专项法律顾问。本所根据《公 司法》《证券法》《商业银行法》《发行注册办法》《律师事务所从事证券法律 业务管理办法》和《律师事务所证券法律业 ...

7-2-1 关于对中国建设银行股份有限公司 向特定对象发行股票申请文件 审核问询函回复的专项说明 上海证券交易所： 安永华明会计师事务所（特殊普通合伙）（以下简称"我们"）审计了中国建设银行 股份有限公司（以下简称"发行人"或"建设银行"）2022 年度、2023 年度及 2024 年度的财务报表（统称"申报财务报表"），并分别于 2023 年 3 月 29 日、2024 年 3 月 28 日和 2025 年 3 月 28 日出具了编号为安永华明（2023）审字第 60438537_A01 号、 安永华明（2024）审字第 70008881_A01 号和安永华明（2025）审字第 70008881_A01 号的无保留意见审计报告。 我们对申报财务报表执行审计程序的目的，是对申报财务报表是否在所有重大方面 按照企业会计准则的规定编制，是否公允反映发行人 2022 年 12 月 31 日、2023 年 12 月31日及2024年12月 31日的合并及银行财务状况以及2022年度、2023年度及2024 年度的合并及银行经营成果和现金流量发表审计意见，不是对上述申报财务报表中的个 别项目的金额或个别附注单独发表意见 ...