建设银行公告，2025年第三季度实现营业收入1794.29亿元，同比下降1.98%；归属于本行股东的净利润 952.84亿元，同比增长4.19%。前三季度实现营业收入5737.02亿元，同比增长0.82%；归属于本行股东 的净利润2573.60亿元，同比增长0.62%。 ...

截至9月末，该行负债总额41.71万亿元，较上年末增加4.49万亿元，增长12.05%。吸收存款30.65万亿 元，较上年末增加1.94万亿元，增长6.75%。 截至2025年9月30日，该行资产总额45.37万亿元，较上年末增加4.80万亿元，增长11.83%。发放贷款和 垫款总额27.68万亿元，较上年末增加1.84万亿元，增长7.10%。金融投资12.35万亿元，较上年末增加 1.67万亿元，增长15.61%。按照贷款五级分类划分，不良贷款为3654.74亿元，较上年末增加207.83亿 元。不良贷款率1.32%，较上年末下降0.02个百分点。拨备覆盖率为235.05%，较上年末上升1.45个百分 点。贷款拨备率为3.11%，较上年末下降0.01个百分点。 北京商报讯（记者 孟凡霞 周义力）10月30日建设银行（601939）披露2025年三季报，数据显示，前三 季度该行实现净利润2584.46亿元，其中归属于该行股东的净利润2573.60亿元，分别较上年同期增长 0.52%和0.62%。利息净收入4276.06亿元，较上年同期下降3.00%。净利息收益率为1.36%，较上年同期 下降16个基点。非利息 ...

Core Insights - Construction Bank reported positive year-on-year growth in key financial metrics for the first three quarters of 2025, including operating income, non-interest net income, pre-provision profit, and net profit [1] - The bank's operating income reached 560.28 billion yuan, a 1.44% increase compared to the same period last year [1] - Net profit was 258.45 billion yuan, reflecting a 0.52% year-on-year growth, with a continuous increase in growth rate over the past two quarters [1] Financial Performance - Pre-provision profit amounted to 411.36 billion yuan, up 1.03% year-on-year [1] - Total assets as of September 30 were 45.37 trillion yuan, an 11.83% increase from the end of the previous year [1] - Total liabilities reached 41.71 trillion yuan, growing by 12.05% year-on-year, with total deposits at 30.65 trillion yuan, a 6.75% increase [1] Loan and Asset Quality - The non-performing loan ratio stood at 1.32%, a decrease of 0.02 percentage points from the end of the previous year [1] - Provision coverage ratio improved to 235.05%, an increase of 1.45 percentage points year-on-year [1] - Capital adequacy ratio was reported at 19.24% [1] Loan Distribution - By the end of the third quarter, loans to the manufacturing sector exceeded 3.5 trillion yuan, while loans to the private economy surpassed 6.7 trillion yuan [2] - Green loans reached 589 billion yuan, and inclusive loans for small and micro enterprises increased to 3.81 trillion yuan, up by 397.69 billion yuan from the end of the previous year [2] - The number of loan customers grew to 3.7 million, an increase of 345,500 customers year-on-year [2] - Loans to core industries of the digital economy showed steady growth, exceeding 800 billion yuan [2]

Core Viewpoint - China Construction Bank (CCB) reported solid performance in Q3 2025, focusing on enhancing its capabilities to support the real economy and maintain financial stability, while exploring high-quality development paths [1] Financial Performance - Operating income reached 560.281 billion RMB, a year-on-year increase of 1.44% [2] - Pre-provision profit was 411.36 billion RMB, up 1.03% year-on-year [2] - Net profit amounted to 258.446 billion RMB, reflecting a 0.52% increase compared to the previous year [2] - Net profit attributable to shareholders was 257.36 billion RMB, with a growth of 0.62%, marking an acceleration in growth over two consecutive quarters [2] - Non-interest income from fees and commissions rose to 89.668 billion RMB, a 5.31% increase year-on-year [2] - Total assets reached 45.37 trillion RMB, growing 11.83% from the end of the previous year [2] - Total loans and advances stood at 27.68 trillion RMB, up 7.10% from the end of last year [2] - Total liabilities increased to 41.71 trillion RMB, a 12.05% rise from the end of the previous year [2] - Non-performing loan ratio improved to 1.32%, down 0.02 percentage points from the end of last year [2] Business Development - CCB is actively supporting the real economy, with loans to the manufacturing sector exceeding 3.5 trillion RMB [3] - Loans to private enterprises surpassed 6.7 trillion RMB, demonstrating strong support for the private sector [3] - Green loan balance reached 5.89 trillion RMB, reflecting an 18.38% increase since the beginning of the year [3] - The bank issued over 500 billion RMB in green bonds and participated in underwriting 98 domestic green and sustainable development bonds, totaling 292.878 billion RMB [3] - Inclusive finance services improved significantly, with loans to small and micro enterprises reaching 3.81 trillion RMB, an increase of 397.69 billion RMB [3] Risk Management - CCB is enhancing its risk management framework, focusing on integrated risk control across its subsidiaries and institutions [4] - The bank aims to improve its risk monitoring and early warning systems through the development of an intelligent risk control system [4] - Future plans include aligning with the goals set forth in the 20th National Congress of the Communist Party of China, focusing on financial development in line with national modernization efforts [4]

Core Insights - The core viewpoint of the article highlights the financial performance of China Construction Bank in the third quarter and the first three quarters of the year, indicating a mixed performance with a decline in revenue but an increase in net profit [1] Financial Performance Summary - In the third quarter, the bank reported a revenue of 179.429 billion yuan, representing a year-on-year decrease of 1.98% [1] - The net profit for the third quarter was 95.808 billion yuan, showing a year-on-year increase of 4.06% [1] - For the first three quarters, the total revenue reached 573.702 billion yuan, which is a year-on-year growth of 0.82% [1] - The net profit for the first three quarters amounted to 258.446 billion yuan, reflecting a year-on-year increase of 0.52% [1]

Core Insights - The report indicates that the bank achieved a net profit of 258.446 billion yuan for the first three quarters of 2025, with a year-on-year growth of 0.52% and 0.62% for the group and the bank's shareholders respectively [1] - The annualized average return on assets is 0.80%, while the annualized weighted average return on equity stands at 10.32% [1] Financial Performance - The bank's net interest income for the first three quarters was 427.606 billion yuan, reflecting a decrease of 3.00% compared to the same period last year [1] - The net interest margin is reported at 1.36%, down by 16 basis points year-on-year [1] - Non-interest income reached 132.675 billion yuan, marking an increase of 18.96% year-on-year, with fee and commission income contributing 89.668 billion yuan, up by 5.31% [1] Asset and Liability Overview - As of September 30, 2025, total assets amounted to 45.37 trillion yuan, an increase of 4.80 trillion yuan or 11.83% from the end of the previous year [1] - Total loans and advances reached 27.68 trillion yuan, up by 1.84 trillion yuan or 7.10% [1] - Financial investments increased to 12.35 trillion yuan, reflecting a growth of 1.67 trillion yuan or 15.61% [1] - Total liabilities were reported at 41.71 trillion yuan, an increase of 4.49 trillion yuan or 12.05% [1] - Deposits amounted to 30.65 trillion yuan, with an increase of 1.94 trillion yuan or 6.75% [1] Loan Quality Metrics - Non-performing loans totaled 365.474 billion yuan, an increase of 20.783 billion yuan from the end of the previous year [2] - The non-performing loan ratio is at 1.32%, which is a decrease of 0.02 percentage points from the end of the previous year [2] - The provision coverage ratio stands at 235.05%, an increase of 1.45 percentage points year-on-year [2] - The loan provision ratio is reported at 3.11%, down by 0.01 percentage points from the end of the previous year [2]

格隆汇10月30日丨建设银行(601939.SH)公告称，公司发布2025年第三季度报告，第三季度实现营业收 入1794.29亿元，同比下降1.98%；归属于本行股东的净利润为952.84亿元，同比增长4.19%。前三季度 实现营业收入5737.02亿元，同比增长0.82%；归属于本行股东的净利润为2573.6亿元，同比增长 0.62%。 ...

Core Insights - Construction Bank reported a decrease in operating income for Q3 2025, with a total of 174.38 billion yuan, down 1.77% year-on-year, while net profit increased by 4.19% to 95.28 billion yuan [1] - For the first nine months of 2025, the bank's operating income rose by 1.44% to 560.28 billion yuan, and net profit increased by 0.62% to 257.36 billion yuan [1] - As of September 30, 2025, total assets reached 45.37 trillion yuan, an increase of 4.80 trillion yuan or 11.83% from the end of the previous year [1] Financial Performance - The total amount of loans and advances was 27.68 trillion yuan, up 1.84 trillion yuan or 7.10% from the end of the previous year [1] - Financial investments amounted to 12.35 trillion yuan, increasing by 1.67 trillion yuan or 15.61% [1] - The bank's non-performing loans stood at 365.47 billion yuan, an increase of 20.78 billion yuan, with a non-performing loan ratio of 1.32%, down 0.02 percentage points from the end of the previous year [1] Capital and Liquidity - Total liabilities reached 41.71 trillion yuan, an increase of 4.49 trillion yuan or 12.05% [2] - Deposits amounted to 30.65 trillion yuan, up 1.94 trillion yuan or 6.75% [2] - The capital adequacy ratio was reported at 19.24%, with a Tier 1 capital ratio of 15.19% and a core Tier 1 capital ratio of 14.36% [2]

中国建设银行股份有限公司 2025年第三季度资本管理第三支柱 信息披露报告 | | 引言 1 | | --- | --- | | 1.1 | 报告依据 1 | | 1.2 | 声明 1 | | | 关键审慎监管指标和风险加权资产概览 2 | | 2.1 | 关键审慎监管指标概览 2 | | 2.2 | 风险加权资产概览 5 | | | 全球系统重要性银行评估指标 6 | | | 杠杆率 7 | | | 流动性风险 9 | | 报表索引 | 10 | 2025 年第三季度资本管理 第三支柱信息披露报告 引言 1.1 报告依据 本报告编制依据为国家金融监督管理总局发布的《商业银行资本管理办法》。 1.2 声明 本行严格遵守监管规定，建立资本管理第三支柱信息披露治理架构，制定管理办法。 本行董事会批准并由高级管理层实施有效的内部控制流程，全面提升信息披露标准化和流 程化管理水平，确保披露信息真实、可靠。 本报告已经高级管理层审核，并于2025年10月30日提交董事会审议通过。 1 2025 年第三季度资本管理 第三支柱信息披露报告 关键审慎监管指标和风险加权资产概览 2.1 关键审慎监管指标概览 根据监管要求，本行 ...

股票代码：601939 股票简称：建设银行 公告编号：临 2025-063 中国建设银行股份有限公司 董事会会议决议公告 （2025 年 10 月 30 日） 本行董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈述或 者重大遗漏，并对其内容的真实性、准确性和完整性承担法律责任。 下简称《公司章程》）等规定。 本次会议审议通过如下议案： 一、关于《中国建设银行股份有限公司 2025 年第三季度资本管 理第三支柱信息披露报告》的议案 表决情况：同意 13 票，反对 0 票，弃权 0 票。 《中国建设银行股份有限公司 2025 年第三季度资本管理第三支 柱信息披露报告》请参见登载于上海证券交易所网站(www.sse.com.cn) 中国建设银行股份有限公司（以下简称本行）董事会会议（以下 简称本次会议）于 2025 年 10 月 30 日在北京以现场会议方式召开。 本行于 2025 年 10 月 15 日以书面形式发出本次会议通知。本次会议 由张金良董事长主持，应出席董事 13 名，实际亲自出席董事 12 名， 张毅副董事长委托纪志宏董事代为出席并表决。本次会议的召开符合 《中华人民共和国公司法》《中国建 ...