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13票，反對0票，棄權0票。 特此公告。 中國建設銀行股份有限公司 董事會 2025年9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。 00939 董事會會議決議公告 （2025年9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9月29日在 北京以現場會議方式召開。本行於2025年9月22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11名，張毅 副董事長委託紀志宏董事代為出席並表決，詹誠信董事委託威廉•科恩董事代為出 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》等規定。 ...

Group 1 - The article reports that Zhu Kai, a member of the Party Committee and Vice President of the Zhengzhou Free Trade Zone Branch of China Construction Bank, is under investigation for serious violations of discipline and law [1] - The investigation is being conducted by the Discipline Inspection Commission of China Construction Bank's Henan Province branch and the Supervisory Committee of Hebi City, Henan Province [1]

Group 1 - The core viewpoint of the article highlights the comprehensive policies and financial support aimed at enhancing the growth of technology-based enterprises in China, particularly through low-cost financing and tailored financial services [1][2][9] - As of March 2025, the loan balance for technology-based small and medium enterprises exceeded 3.3 trillion yuan, marking a year-on-year growth of 24%, with "specialized, refined, distinctive, and innovative" enterprises also seeing significant loan increases [2][4] - The China Construction Bank (CCB) has actively engaged in supporting technology enterprises by shifting the credit evaluation focus from traditional cash flow to technology and intellectual property, thereby facilitating financing for innovation [2][3][4] Group 2 - CCB's innovative financial services have enabled technology enterprises in Ningxia to convert their intellectual property and patents into credit, thus enhancing their production capabilities and financial stability [3][4] - The bank's support has been crucial for companies like Huake Optoelectronics, which transitioned from a small enterprise to a leader in the high-end laser sight market, demonstrating the importance of continuous financial backing throughout their growth stages [5][6] - CCB's collaboration with local governments and enterprises in Tianjin has led to the establishment of tailored financial products that meet the specific needs of businesses, fostering a supportive ecosystem for innovation [7][8] Group 3 - The article emphasizes the transformation of CCB's role from a traditional fund provider to a collaborative partner in the innovation journey, highlighting its commitment to deepening relationships with technology enterprises [9][10] - CCB's approach includes a full lifecycle financial service model that supports enterprises from their inception to becoming industry leaders, showcasing a commitment to long-term partnerships [5][6][9]

Core Insights - The article highlights the efforts of the Construction Bank's Yancheng branch in promoting green finance and supporting the local economy through innovative financial products and services aimed at ecological and industrial development [7][14]. Group 1: Green Finance Initiatives - The Yancheng branch of Construction Bank has achieved a green loan balance of nearly 50 billion yuan, with a growth of over 20% since the beginning of the year [7]. - The bank has launched various specialized financial products such as "Environmental Loan," "Hazardous Waste Loan," and "Carbon Finance" to address the diverse financing needs of green industries [9]. - A total of 1.029 billion yuan has been allocated to "Environmental Loans" for projects related to wastewater treatment and solid waste disposal [9]. Group 2: Support for Marine Economy - The bank has introduced the "Su Nong Dan·Fishing Boat Loan" to alleviate financing difficulties faced by fishermen, successfully issuing the first loan of 2 million yuan in December 2023 [10]. - A significant investment of over 10 billion yuan has been made in a 1 million kilowatt offshore wind power project, with a rapid loan approval process completed in just four working days [10]. Group 3: Customized Financial Services - The bank has established a professional team to provide tailored financial solutions for key projects in Yancheng, including a hydrogen energy technology company's green hydrogen project [11]. - A comprehensive financial service solution has been developed for the Yancheng Port Group, enhancing its operational capabilities and supporting its strategic goals [12]. Group 4: Digital Transformation and ESG Commitment - The bank has launched a digital platform for green finance management, enhancing the efficiency and precision of green credit services [13]. - A robust ESG risk management system has been implemented, integrating environmental, social, and governance considerations into the entire lending process [13]. Group 5: Future Outlook - The bank aims to continue its commitment to ecological priority and green development, focusing on product innovation and service upgrades to support Yancheng's transformation into a green low-carbon development demonstration zone [14].

| 序号 | 当事人名称 | 主要违法违规行 | 行政处罚内容 | 作出决定机关 | | --- | --- | --- | --- | --- | | | | 为 | | | | 3 | 中国建设银 | 贷款"三查"失 | 对中国建设银行北 | 北京金融 | | | 行北京市分 | | 京市分行罚款35万 | | | | | ਜਿੱ | | 监管局 | | | 行 | | 元。 | | 中国经济网北京9月27日讯 国家金融监督管理总局北京监管局网站昨日披露的行政处罚信息公开表 显示，中国建设银行北京市分行贷款"三查"失职。 北京金融监管局对中国建设银行北京市分行罚款35万元。 （责任编辑：蔡情） ...

Group 1 - The announcement states that the B-class shares of the Jianxin Cash Growth Money Market Fund will suspend large subscriptions, large conversions, and regular fixed investments through the China Construction Bank sales channel starting from September 29, 2025 [1][3] - During the suspension period, the total amount of subscriptions, conversions, and fixed investments for a single fund account on a single day should not exceed 200 million yuan, and exceeding this limit may result in the rejection of the related transactions [1][3] - Investors can contact the fund management company's customer service hotline for inquiries or visit the official website for more information [1][3] Group 2 - The Jianxin Nasdaq 100 Index Securities Investment Fund (QDII) will also suspend large subscriptions and regular fixed investments starting from September 29, 2025, with specific limits set for both RMB and USD shares [4][5] - For RMB shares, the limit for a single fund account on a single day is set at 5,000 yuan, while for USD shares, the limit is 700 USD [4][5] - The specific date for the resumption of large subscriptions and fixed investment business will be announced later [5] Group 3 - Jianxin Fund Management Company has participated in the non-public issuance of A-shares by Sichuan Baili Tianheng Pharmaceutical Co., Ltd. (688506) [7] - The announcement includes details regarding the allocation of A-shares to the funds managed by the company, in compliance with relevant regulations [7]

Dividend and Financial Review - The board of directors proposed a mid-term cash dividend of RMB 1.858 per 10 shares (tax included) for the year 2025[4]. - The financial report for the first half of 2025 has been reviewed by Ernst & Young, ensuring its accuracy and completeness[4]. - The financial summary indicates a strong performance in the first half of 2025, with significant growth in key metrics[7]. - The outlook for the remainder of 2025 remains positive, with expectations for continued growth and profitability[7]. Risk Management and Strategic Focus - The group is actively managing various risks, including credit risk, market risk, and operational risk, to maintain stability[5]. - The report includes forward-looking statements based on current plans and estimates, emphasizing the importance of risk awareness among investors[5]. - The company is focusing on innovation and sustainable development as part of its strategic initiatives[5]. Financial Performance Metrics - Operating income for the six months ended June 30, 2025, was RMB 385,905 million, a 2.95% increase from RMB 374,831 million for the same period in 2024[16]. - Net interest income decreased by 3.16% to RMB 286,709 million compared to RMB 296,059 million for the same period in 2024[16]. - Net profit for the six months ended June 30, 2025, was RMB 162,638 million, a decrease of 1.45% from RMB 165,039 million in the same period of 2024[16]. - The net cash flow from operating activities increased significantly by 332.12% to RMB 1,256,614 million compared to RMB 290,805 million for the same period in 2024[16]. - Total assets as of June 30, 2025, reached RMB 44,432,848 million, reflecting a 9.52% increase from RMB 40,571,149 million at the end of 2024[19]. - The non-performing loan ratio improved slightly to 1.33% from 1.34% at the end of 2024[19]. - The capital adequacy ratio stood at 19.51%, a decrease of 0.18% from 19.69% at the end of 2024[19]. - The bank's core tier 1 capital adequacy ratio was 14.34%, down from 14.48% at the end of 2024[19]. Asset and Liability Management - The bank's total liabilities increased by 9.73% to RMB 40,847,989 million compared to RMB 37,227,184 million at the end of 2024[19]. - The total assets of the company reached RMB 42.67 trillion, with total interest-earning assets at RMB 41.44 trillion[40]. - The company’s non-performing loan ratio remained stable, with total provisions for impairment at RMB 843.50 billion[40]. - The total amount of loans and advances issued by the company reached RMB 27.44 trillion, an increase of RMB 1.60 trillion or 6.20% compared to the end of the previous year[65]. Income and Expense Analysis - Interest income for the six months ended June 30, 2025, was RMB 579.26 billion, a decrease of RMB 47.76 billion or 7.62% compared to the same period last year[38]. - Total operating expenses were RMB 95.50 billion, an increase of RMB 1.15 billion or 1.18% year-over-year, with a cost-to-income ratio of 23.72%, down 0.43 percentage points[54]. - Employee costs rose to RMB 57.79 billion, an increase of RMB 1.75 billion or 3.12% year-over-year[54]. Digital Transformation and Innovation - The company is committed to enhancing its digital banking capabilities, including mobile banking and integrated service platforms[7]. - The digital financial business plan aims for a 2025 action plan, enhancing digital capabilities with a daily usage increase of 96.96% in financial models, enabling 274 internal scenarios[118]. - The total number of "Twin Stars" users reached 533 million, with monthly active users at 243 million, reflecting a year-on-year growth of 14.40%[118]. Customer and Market Engagement - The bank's personal customer base reached 777 million by the end of June, with personal financial assets exceeding CNY 22.04 trillion; domestic personal deposits increased by CNY 1.39 trillion, a growth of 8.57%[131]. - The bank's payment services achieved a transaction volume of CNY 1.80 trillion in the first half of the year, with the number of acquiring merchants reaching 6.13 million[136]. - The bank's credit card loan balance reached CNY 1.05 trillion, maintaining an industry-leading position[135]. International Operations and Expansion - The overseas commercial banking segment achieved a net profit of 7.806 billion yuan in the first half of the year[161]. - CCB Asia's total assets reached 487.41 billion yuan, with a net profit of 3.731 billion yuan in the first half[161]. - CCB Russia reported total assets of 7.608 billion yuan and a net profit of 146 million yuan in the first half[162]. Financial Investments and Asset Management - The total amount of financial investments reached CNY 11.77 trillion, an increase of CNY 1.09 trillion or 10.17% compared to the end of the previous year[81]. - The bank's asset management business scale reached RMB 5.73 trillion by the end of June, with significant contributions from various subsidiaries: RMB 1.69 trillion from CCB Trust, RMB 1.43 trillion from CCB Fund, and RMB 1.41 trillion from CCB Wealth Management[154]. Technology and Innovation - The group has empowered 274 internal application scenarios with its financial large model capabilities, focusing on key areas such as credit approval and intelligent customer service[187]. - The daily peak data processing capacity of the big data platform reached 142.90 billion records, enabling real-time summary of an average of 2.32 billion accounting details per day[188]. - The group has obtained a total of 3,990 financial technology patent authorizations, an increase of 440 patents compared to the end of the previous year, including 2,744 invention patents[191].

Core Viewpoint - The recent financial education event organized by China Construction Bank's Zhenjiang branch aims to enhance public financial literacy and strengthen the ability to prevent financial fraud [1][3] Group 1: Event Overview - The event was held in collaboration with multiple organizations, including the Zhenjiang Public Security Bureau Anti-Fraud Center and local educational institutions, focusing on the theme "Protecting Financial Rights and Supporting a Better Life" [1] - A financial education promotional video was presented to the audience, highlighting key financial knowledge and anti-fraud points [1] - The Zhenjiang Public Security Bureau Anti-Fraud Center conducted a session on preventing telecom fraud, emphasizing the importance of collaboration between banks and law enforcement [1] Group 2: Objectives and Impact - The event's goal is to unite various stakeholders to improve public awareness of financial fraud prevention, encouraging individuals to become both learners and disseminators of anti-fraud knowledge [3] - The innovative approach and resource integration during the event effectively enhanced the public's financial knowledge and fraud prevention capabilities, contributing to the protection of citizens' financial assets [3] - The initiative plays a significant role in fostering a safe, stable, and harmonious financial environment [3]

Core Viewpoint - China Construction Bank's Sichuan Branch is actively aligning with national strategies and enhancing its services to the real economy, focusing on high-quality development and comprehensive risk management [1][3]. Group 1: Economic Strategy and Actions - The Sichuan Branch is responding to complex domestic and international economic conditions by enhancing its capabilities and aiming for high-quality development, which includes a detailed roadmap and timeline for achieving its goals [3][4]. - The bank has increased its infrastructure loans by nearly 27 billion yuan by the end of August, surpassing the total increase for the previous year, demonstrating its commitment to regional strategic support [4][5]. Group 2: Financial Support and Policies - The bank has issued nearly 1.2 trillion yuan in loans to support small and micro enterprises this year, reflecting its commitment to enhancing financing mechanisms [5][6]. - The Sichuan Branch has provided over 28 billion yuan in overall credit to the real estate "white list" and issued nearly 1.2 billion yuan in stock repurchase loans to five listed companies [5][6]. Group 3: Technological and Green Finance Initiatives - The bank has established a three-year action plan for technology finance, resulting in over 34 billion yuan in new technology loans from January to August, outpacing the average growth rate of corporate loans by nearly 16 percentage points [6][7]. - The green loan balance has exceeded 280 billion yuan, positioning the bank among the leaders in the system, with significant investments in green projects and bonds [7][8]. Group 4: Consumer Financing and Market Engagement - The bank has actively engaged in consumer financing, with personal consumption loans reaching 4 billion yuan and a total credit card transaction volume exceeding 70 billion yuan [5][8]. - The Sichuan Branch has implemented various measures to stimulate consumption, including partnerships with local businesses and promotional events, resulting in a significant increase in new energy vehicle financing transactions [8].

Core Viewpoint - The article emphasizes the proactive approach of China Construction Bank (CCB) in Shenzhen towards financial consumer rights protection, integrating it into the city's financial ecosystem and enhancing social trust through innovative strategies and community engagement [5][12]. Group 1: Financial Consumer Rights Protection - CCB Shenzhen is committed to the "Big Consumer Protection" concept, focusing on financial services for the public and enhancing the financial ecosystem of the city [5][6]. - The bank has implemented a comprehensive risk prevention system, utilizing AI and big data to intercept fraud attempts, achieving a success rate of over 95% in fraud prevention [6][12]. - CCB has launched a "Consumer Protection + Inclusive Finance" model, providing up to 600 billion yuan in credit support to industry associations and member enterprises, thereby extending consumer rights protection from individuals to businesses [7][12]. Group 2: Community Engagement and Education - CCB has initiated the "2025 Financial Education Promotion Week," employing innovative methods to disseminate financial knowledge throughout the city, including interactive digital exhibitions and community workshops [8][9]. - The bank focuses on key demographics, such as the elderly and students, conducting targeted educational activities to raise awareness about fraud and financial literacy [9][10]. - CCB has established over 130 "Laborers' Harbors" to support outdoor workers and has implemented a unique online application model for social security cards, benefiting over 1 million new citizens [10][11]. Group 3: Corporate Culture and Social Responsibility - CCB integrates consumer protection into its corporate culture, conducting regular compliance training to ensure all employees embody the principles of honesty and customer respect [11][12]. - The bank has launched the "Good Building Beneficial Action" charity brand, donating over 200 million yuan to various social projects, including education for underprivileged children [11][12]. - CCB's comprehensive approach to consumer protection not only safeguards financial assets but also enhances the overall financial literacy of the community, contributing to a more trustworthy financial environment [12].