11中國建設銀行股份有限公司 | 1 | 引言 1 | | --- | --- | | 1.1 | 報告依據 1 | | 1.2 | 聲明 1 | | 2 | 關鍵審慎監管指標和風險加權資產概覽 2 | | 2.1 | 關鍵審慎監管指標概覽 2 | | 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 年第三季度資本管理 第三支柱信息披露報告 引言 2025年第三季度資本管理第三支柱 信息披露報告 K 1111 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。 本行董事會批准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10月30日提交董事會審議通過。 1 2025 年第三季度資本管理 第三支柱信息披露報告 關鍵審慎監管指標和風險加權資產概覽 2.1 關 ...

Financial Performance - For the third quarter of 2025, the operating income was RMB 174,376 million, a decrease of 1.77% compared to the same period last year[6]. - The net profit for the same period was RMB 95,808 million, reflecting an increase of 4.06% year-on-year[6]. - The net profit attributable to shareholders was RMB 95,284 million, up by 4.19% compared to the previous year[6]. - The net profit for the nine months ended September 30, 2025, was 258.45 billion RMB, representing a year-on-year growth of 0.52%[28]. - The bank's pre-tax profit for the nine months ended September 30, 2025, was RMB 289,581 million, a decrease of 2.36% from RMB 297,638 million in 2024[45]. - The bank's operating income for the nine months ended September 30, 2025, was RMB 560,281 million, a slight increase from RMB 552,347 million in the same period of 2024[31]. Cash Flow and Liquidity - The cash flow from operating activities for the nine months ended September 30, 2025, was RMB 1,817,380 million, a significant increase of 90.33% year-on-year[8]. - The net cash flow from operating activities for the nine months ended September 30, 2025, was RMB 1,817,380 million, compared to RMB 954,869 million for the same period in 2024, indicating an increase of 90.24%[47]. - The bank's cash and cash equivalents increased to RMB 1,156,321 million as of September 30, 2025, from RMB 1,385,789 million at the end of 2024, marking a decrease of 16.49%[51]. - The bank's net cash flow from financing activities was RMB 105,108 million for the nine months ended September 30, 2025, compared to a net outflow of RMB 19,844 million in 2024[49]. Assets and Liabilities - Total assets as of September 30, 2025, reached RMB 45,369,094 million, representing an increase of 11.83% from December 31, 2024[6]. - Total liabilities increased to RMB 41,712,953 million as of September 30, 2025, compared to RMB 37,227,184 million at the end of 2024, reflecting a growth of 12.0%[40]. - The bank's total liabilities and equity reached RMB 45,369,094 million as of September 30, 2025, compared to RMB 40,571,149 million as of December 31, 2024, an increase of 11.06%[42]. Shareholder Information - The equity attributable to shareholders was RMB 3,633,387 million, up by 9.37% compared to the previous year[6]. - The total number of ordinary shareholders as of September 30, 2025, was 343,236, with A-share shareholders numbering 307,319[9]. - The largest shareholder, Central Huijin Investment Ltd., held 54.51% of the H-shares[9]. - As of September 30, 2025, total equity attributable to shareholders reached RMB 3,633,387 million, up from RMB 3,322,127 million as of December 31, 2024, representing an increase of 9.36%[42]. Loan and Deposit Information - The total loans and advances issued reached 27.68 trillion RMB, increasing by 1.84 trillion RMB or 7.10% year-on-year[24]. - The total deposits absorbed were 30.65 trillion RMB, up by 1.94 trillion RMB or 6.75% from the previous year[25]. - The net increase in deposits from customers and other financial institutions was RMB 3,475,094 million for the nine months ended September 30, 2025, compared to RMB 2,209,613 million in 2024, reflecting a growth of 57.36%[47]. Income and Expenses - The non-interest income was 132.68 billion RMB, an increase of 18.96% compared to the same period last year[28]. - Interest income for the nine months ended September 30, 2025, was RMB 867,068 million, a decrease of 7.6% compared to RMB 938,135 million in the same period of 2024[31]. - Net interest income for the same period was RMB 427,606 million, down 3.0% from RMB 440,817 million year-over-year[31]. - The bank's net fee and commission income for the nine months ended September 30, 2025, was RMB 89,668 million, an increase of 5.9% from RMB 85,144 million in 2024[31]. Credit and Impairment - The bank's non-performing loan ratio was 1.32%, a decrease of 0.02 percentage points from the end of the previous year[24]. - The bank's credit impairment losses for the nine months ended September 30, 2025, were RMB 121,763 million, an increase of 11.1% compared to RMB 109,583 million in 2024[31]. - The bank's credit impairment losses increased to RMB 121,763 million for the nine months ended September 30, 2025, from RMB 109,583 million in 2024, reflecting a rise of 11.04%[45]. Other Financial Activities - The company reported a significant increase in deposits and net interbank and other financial institution placements, contributing to the cash flow growth[8]. - The balance of green loans reached 5.89 trillion yuan, an increase of 18.38% compared to the beginning of the year[17]. - The cumulative amount of technology enterprise acquisition loan projects reached 143.46 billion yuan, with 37 projects completed[17]. - The total scale of the second pillar management of the Jianxin Pension Fund reached 700.90 billion yuan, an increase of 11.78% from the end of the previous year[21]. - The balance of inclusive loans for small and micro enterprises reached 3.81 trillion yuan, an increase of 397.69 billion yuan compared to the end of the previous year[21]. - The company has issued multiple green bonds with a total issuance amount exceeding 50 billion yuan[17]. - The company participated in underwriting 98 domestic green and sustainable development bonds, with a total issuance scale of 292.88 billion yuan[17]. - The cumulative number of users on the "Yunong Tong" platform reached 76.24 million, with over 31 million users on the online platform[21]. - The company has completed the filing of 19 out of 21 pilot funds for equity investment in 15 cities[17]. - The company has launched the "Anxin" series of corporate pension products, covering multiple scenarios such as salary benefits and medical supplements[21]. - The total number of mobile banking and "CCB Life" users reached 542 million, with monthly active users at 244 million, a year-on-year increase of 12.71%[22].

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10月30日） 本行於2017年12月在境內市場發行600億元人民幣境內優先股（優先股代碼： 360030，優先股簡稱：建行優1）。根據相關法律法規、《公司章程》以及優先 股條款的規定，本行制定建行優1股息分配方案如下： 獨立非執行董事認為本行境內優先股股息分配方案符合法律法規及《公司章 程》相關規定。獨立非執行董事同意本項議案。 三、關於建行歐洲向盧森堡分行借入次級貸款的議案 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10月30日 在北京以現場會議方式召開。本行於2025年10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12名， 張毅副董事長委託紀志宏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 ...

Core Viewpoint - The approval of Jia Naiyan's appointment as the Vice President of Wuwei Branch of China Construction Bank signifies a strategic move to enhance leadership within the bank's regional operations [1] Group 1: Appointment Approval - The Wuwei Financial Regulatory Bureau has approved Jia Naiyan's qualifications for the position of Vice President at the Wuwei Branch of China Construction Bank [1] - The approval requires Jia Naiyan to assume the position within three months from the date of the regulatory decision, or the approval will become invalid [1] - China Construction Bank is mandated to ensure that Jia Naiyan continues to learn and understand relevant economic and financial laws and regulations, emphasizing risk compliance awareness [1]

Core Viewpoint - China Construction Bank's wholly-owned subsidiary, Jianxin Financial Leasing Co., Ltd., has received approval to increase the registered capital of its subsidiary, Jianxin Shipping and Aviation Financial Leasing Co., Ltd. [1] Group 1: Capital Increase Details - Jianxin Shipping and Aviation's registered capital will be changed from $300 million to $300 million and 3 billion RMB [1] - The bank will strictly follow legal and regulatory requirements to complete the capital increase procedures as soon as possible [1]

Core Viewpoint - China Construction Bank's wholly-owned subsidiary, CCB Financial Leasing Co., Ltd., has received approval for capital increase for its subsidiary, CCB Shipping and Aviation Financial Leasing Co., Ltd. [1] Group 1 - CCB Shipping and Aviation's registered capital has been changed from 300 million USD to 300 million USD and 3 billion RMB [1]

Core Viewpoint - China Construction Bank's wholly-owned subsidiary, Jianxin Financial Leasing Co., Ltd., has received approval for capital increase for its subsidiary Jianxin Shipping and Aviation Financial Leasing Co., Ltd. [1] Group 1 - Jianxin Shipping and Aviation's registered capital will be changed from $300 million to $300 million and 3 billion RMB [1] - The company will strictly follow legal and regulatory requirements to complete the capital increase procedures as soon as possible [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。 特此公告。 中國建設銀行股份有限公司 董事會 2025年10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。 （ 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） 關於建信航運航空金融租賃有限公司 獲准增資的公告 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。 股票代码：601939 股票简 ...

中国建设银行股份有限公司 关于建信航运航空金融租赁有限公司 获准增资的公告 股票代码：601939 股票简称：建设银行 公告编号：临 2025-062 特此公告。 中国建设银行股份有限公司董事会 2025 年 10 月 29 日 根据增资批复，建信航运航空注册资本由 3 亿美元变更为 3 亿美 元和 30 亿元人民币。 下一步，建信金租将按照法律法规相关要求严格履行有关程序， 尽快完成建信航运航空增资手续。 有关建信航运航空增资的其他事项请参见本行于 2025 年 9 月 5 日刊载于上海证券交易所网站（www.sse.com.cn）的《中国建设银行 股份有限公司关于建信金融租赁有限公司向建信航运航空金融租赁 有限公司增资的公告》（公告编号：临 2025-056）。 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。 近日，中国建设银行股份有限公司（以下简称本行）全资子公司 建信金融租赁有限公司（以下简称建信金租）收到《北京金融监管局 关于建信航运航空金融租赁有限公司变更注册资本的批复》（京金复 〔2025〕644 号）（以下简称增 ...

Core Points - The Central Commission for Discipline Inspection and the National Supervisory Commission have initiated an investigation into Shi Tingfeng, the former Party Secretary and President of China Construction Bank's Henan branch, for serious violations of discipline and law [1][2] - Shi is accused of losing faith, being disloyal to the Party, fabricating evidence, and resisting organizational scrutiny, as well as violating the spirit of the Central Eight Regulations by accepting gifts, cash, and other benefits [1][2] - The investigation revealed that Shi misused his position to benefit others in personnel matters and engaged in corrupt practices, including lending funds to clients for substantial returns [1][2] Disciplinary Actions - Shi Tingfeng has been expelled from the Party and his benefits have been revoked following the investigation [2] - The case has been referred to the prosecutorial authorities for legal proceedings, along with the confiscation of his illicit gains [2]