2025 年半年度資本管理 第三支柱信息披露報告 | 1 | 引 言 ……………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………… 1 | | --- | --- | | 1.1 | 報告依據……………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………」1 | | 1.2 | 載 明 . | | 2 | 關鍵審慎監管指標和風險加權資產概覽 | | 2.1 | 闕鍵審慎監管指標概覽 | | 2.2 | 風險加權資產概覽 | | 3 | 資本和總損失吸收能力的構成… | | 3.1 | 資本工具和合格外部總損失吸收能力非資本債務工具的主要特徵 | | 3.2 | 資 本棒成 … | | 3.3 | 集團財務併表和監管併表下的資產負債表差異 | | 3.4 | 總損失吸收能力構成………… ...

经济观察网 8月29日，中国建设银行（601939）发布2025年中期报告，个人金融业务表现亮眼。截至 2025年6月末，建设银行个人全量客户规模达7.77亿人，管理个人客户金融资产突破22.04万亿元，创历 史新高，彰显了该行在个人金融服务领域的领先地位。 报告显示，建设银行境内个人存款余额17.63万亿元，较上年末增加1.39万亿元，增幅达8.57%。个人贷 款和垫款余额9.10万亿元，较上年末增加2,317.77亿元，增幅2.61%，个人信贷业务保持稳健发展。 财富管理业务持续发力，截至6月末，建设银行财富管理客户较上年末新增近450万户，投资理财规模达 4.42万亿元，市场份额进一步提升。私人银行业务继续保持优势，私人银行客户金融资产规模达3.18万 亿元，服务私人银行客户26.55万人。 ...

经济观察网 2025年8月29日，中国建设银行（601939）股份有限公司（以下简称"本集团"）发布2025年 中期业绩报告。报告显示，本集团上半年实现净利润1,626.38亿元，保持稳健发展态势，主要财务和监 管指标表现良好。 截至报告期末，本集团资产总额达44.43万亿元，较上年末增长9.52%。其中，发放贷款和垫款净额为 26.58万亿元，增幅6.13%。负债总额40.85万亿元，增长9.73%；其中吸收存款30.47万亿元，增幅 6.11%。 报告期内，本集团成功完成向财政部发行A股股票，募集资金1,050亿元，有效增强了资本实力。实现经 营收入3,859.05亿元。关键盈利和效率指标保持良好水平：年化平均资产回报率为0.77%，年化加权平 均净资产收益率为10.08%，成本收入比为23.72%。 资产质量总体稳定，风险抵御能力充足。报告期末，资本充足率为19.51%，不良贷款率为1.33%。 ...

格隆汇8月29日丨建设银行(00939.HK)发布公告，2025年上半年，集团实现净利润1,626.38亿元(人民 币，下同)，归属于本行股东的净利润1,620.76亿元，同比减少1.37%。经营收入3,859.05亿元，较上年同 期增长2.95%。其中，受LPR重定价、存量住房贷款利率调整等因素影响，利息净收入2,867.09亿元，较 上年同期下降3.16%；持续提升综合金融服务能力，手续费及佣金净收入652.18亿元，较上年同期增长 4.02%；优化投资交易策略，其他非利息净收入339.78亿元，较上年同期增长111.36%。，董事会建议向 全体普通股股东派发2025年度中期现金股息，每10股人民币1.858元(含税)。 ...

Financial Performance - Total assets increased by 9.52% to RMB 444328 million[12] - Total liabilities increased by 9.73% to RMB 408480 million[12] - Operating income increased by 2.95% year-on-year to RMB 3859 million[12,18] - Net profit decreased by 1.45% to RMB 1626 million[12] - Net fee and commission income increased by 4.02% to RMB 652 million[12,25] Asset and Liability Structure - Gross loans to customers reached RMB 27.44 trillion[14] - Financial investments reached RMB 11.77 trillion[14] - Deposits from customers reached RMB 30.47 trillion, a 6.11% increase[16] - Net fee and commission income accounted for 16.90% of the income structure[25] Risk Management - Non-performing loan (NPL) ratio decreased by 0.01 percentage points to 1.33%[12,28,59] - Allowances to NPLs increased by 5.80 percentage points to 239.40%[12,28,59] - Cost-to-income ratio was 23.72%[12,28] Strategic Initiatives - Loans to technology-related industries grew by 16.81% to RMB 5.15 trillion[37] - Green loans grew by 14.88% to RMB 5.72 trillion[37] - Balance of inclusive loans for SMEs grew by 9.80% to RMB 3.74 trillion[37] - Cross-border RMB settlement volume increased by 23.21% year-on-year to RMB 3.14 trillion[44]

（文章来源：每日经济新闻） 8月29日，建设银行公告，上半年经营收入3859.05亿元，同比增长2.95%；净利润1626.38亿元，同比下 降1.45%。 ...

Financial Performance - 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 profit for the six months ended June 30, 2025, was RMB 162,638 million, a decrease of 1.45% compared to RMB 165,039 million for the same period in 2024[16]. - The net interest income decreased by 3.16% to RMB 286,709 million for the six months ended June 30, 2025, from RMB 296,059 million in 2024[16]. - The net cash flow from operating activities increased significantly by 332.12% to RMB 1,256,614 million for the six months ended June 30, 2025, compared to RMB 290,805 million in 2024[16]. - The net profit for the first half of 2025 was RMB 162.64 billion, with a net profit attributable to shareholders of RMB 162.08 billion, reflecting a decrease of 1.45% compared to the previous year[26]. - Operating income for the first half of 2025 was RMB 385.91 billion, representing a year-on-year growth of 2.95%[26]. Risk Management - The bank is actively managing various risks, including credit risk, market risk, and operational risk, to ensure financial stability[6]. - The management discussion highlights the importance of risk management strategies in navigating market uncertainties[6]. - The non-performing loan ratio improved slightly to 1.33% as of June 30, 2025, down from 1.34% at the end of 2024[18]. - The bank's loan loss provisions stood at RMB 869,366 million, with a coverage ratio of 239.40% and a loan provision ratio of 3.18%[66]. - The company continues to support the development of the real economy and optimize its structure while managing risks in key areas[186]. Asset and Liability Management - 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[18]. - The bank's total liabilities increased by 9.73% to RMB 40,847,989 million as of June 30, 2025, compared to RMB 37,227,184 million at the end of 2024[18]. - Customer deposits accounted for RMB 30.47 trillion, representing 74.59% of total liabilities, down from 77.13% at the end of 2024[79]. - The balance of deposits absorbed was CNY 30.47 trillion, up CNY 1.76 trillion or 6.11% from the end of last year[80]. Capital Adequacy - The core tier 1 capital adequacy ratio was 14.34% as of June 30, 2025, a slight decrease from 14.48% at the end of 2024[18]. - The cost-to-income ratio was 23.72%, and the capital adequacy ratio stood at 19.51%[24]. Strategic Focus and Future Outlook - The bank's strategic focus includes expanding its personal finance and asset management services, as well as enhancing its fintech capabilities[7]. - The bank's future outlook includes plans for market expansion and potential mergers and acquisitions to enhance its competitive position[7]. Corporate Governance and Social Responsibility - The report outlines the bank's commitment to corporate governance and social responsibility initiatives[8]. Non-Interest Income - Non-interest income increased by 25.93% year-on-year to RMB 99.20 billion, driven by a 4.02% increase in fee and commission income[27]. - Other non-interest income surged to RMB 33.98 billion, a rise of RMB 17.90 billion or 111.36% year-on-year, driven by significant increases in investment securities net gains and other operating net gains[46]. Digital Transformation and Technology - The group is advancing a comprehensive digital and intelligent transformation, enhancing AI product capabilities and establishing data governance mechanisms[162]. - The daily peak data processing capacity has reached 142.9 billion records, enabling real-time summary of an average of 2.319 billion accounting details per day[164]. - The number of financial technology patents authorized has increased to 3,990, with 440 new patents granted in the first half of the year, including 2,744 invention patents[165]. Customer Base and Engagement - The number of loan customers increased to 3.66 million, up by 304,500 from the end of the previous year[100]. - The cumulative visit count of the "建行惠懂你" APP reached 467 million, with a download count of 44.9 million, serving 15 million corporate clients[100]. - The total number of individual customers reached 777 million, with financial assets under management exceeding 22.04 trillion yuan, and domestic personal deposits increased by 1.39 trillion yuan, a growth of 8.57% compared to the end of the previous year[114]. International Operations - The bank's overseas commercial banking operations reported a net profit of RMB 7.806 billion for the first half of 2025[138]. - China Construction Bank (New Zealand) reported total assets of NZD 11.01 billion and net assets of NZD 1.517 billion as of June, with a net profit of NZD 0.047 billion for the first half of the year[142].

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 監事會會議決議公告 （2025年8月29日） 三、關於《中國建設銀行股份有限公司關於2025年半年度募集資金存放、管理 與實際使用情況的專項報告》的議案 議案表決情況：同意5票，反對0票，棄權0票。 特此公告。 本次會議審議並通過了如下議案： 一、關於2025年半年度報告的議案 議案表決情況：同意5票，反對0票，棄權0票。 本行監事會認為本行2025年半年度報告、半年度報告摘要的編制和審核程序符 合法律、行政法規和監管規定，報告的內容真實、準確、完整地反映了本行的 實際情況。 - 1 - 二、關於中國建設銀行股份有限公司2025年中期利潤分配方案的議案 議案表決情況：同意5票，反對0票，棄權0票。 中國建設銀行股份有限公司（「本行」）監事會會議（「本次會議」）於2025年8月29日在 北京以現場會議方式召開。本行於2025年8月19日以書面形式發出本次會議通知。 半數以上監事共同推舉林鴻監事 ...

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 一、關於《中國建設銀行股份有限公司2025年半年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年半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。 - 1 - 二、關於發行資本工具和總損失吸收能力非資本債務工具的議案 表決情況：同意13票，反對0票，棄權0票。 - 2 - 1. 同意本行在取得股東大會及相關監管機構批准的條件下，按照下列條款和 條件發行資本工具和總損失吸收能力非資本債務工具： (1) 發行總額：合計不超過7,000億元人民幣等值，其中資本工具不超過 4,500億元人民幣等值，總損失吸收能力非資本債務工具不超過2,500 億元人民幣等值。 (2) 工具類型：減記型無固定期限資本債券、減記型合格二級資本工具， 符合《商業銀 ...

在小蔡与郭奶奶的交流过程中，支行大堂经理也察觉到了情况不对劲，于是上前与小蔡一起进一步向郭 奶奶询问核实。在两人的耐心沟通下，郭奶奶终于说出实情。原来这笔现金是"旅游费"，郭奶奶一边拿 出一张发票给大堂经理看一边说："这笔费用是交给开票的这个公司，存钱到这家公司每个月有利息， 还可以免费赠送一个月的旅游。"询问核实过程中，郭奶奶还接到开票公司工作人员打来的电话，对方 教她谎报用途并指导她到其他银行网点支取现金。此时，小蔡和大堂经理更加确信老人遇到了电信诈 骗。于是，小蔡立即呼叫营运主管，大堂经理继续与郭奶奶沟通，了解详细情况。 为避免客户遭受财产损失，营运主管立即启动应急预案，果断拨打报警电话。等待过程中，大堂经理一 直为郭奶奶讲解近期发生的各类诈骗案例。然而，郭奶奶对支行工作人员的询问十分抵触，始终坚持要 取款，场面一度僵持不下。 不久，附近派出所民警赶到现场，与支行工作人员一起向郭奶奶详细分析网络诈骗的手段和投资陷阱。 在民警和支行工作人员的耐心劝说下，郭奶奶终于意识到自己险些落入诈骗分子的圈套，最终放弃了取 款的想法，并对支行和警方及时出手相助表示衷心感谢。（胡琪） 编辑：穆皓 转自：新华财经 近日，年 ...