Core Insights - China Construction Bank (CCB) has strengthened its quality financial supply and optimized its credit structure in 2023, with a focus on high-quality development and effective growth [1] Group 1: Financial Performance - As of June 30, 2023, CCB's operating income reached 385.905 billion yuan, a year-on-year increase of 2.95% [1] - The bank's provision coverage ratio improved to 239.4%, up by 5.8 percentage points from the end of the previous year [1] - The non-performing loan ratio stood at 1.33%, a slight decrease of 0.01 percentage points compared to the end of last year [1] Group 2: Loan Growth and Allocation - In the first half of 2023, CCB's loans increased by 1.6 trillion yuan, maintaining strong support for the real economy [1] - The bank's technology loans reached a balance of 5.15 trillion yuan, growing by 16.81% from the end of the previous year, with new technology loans amounting to 741.7 billion yuan [1] - CCB's green loan balance was 5.72 trillion yuan, up by 14.88% since the beginning of the year, while inclusive small and micro enterprise loans reached 3.74 trillion yuan, growing by 9.8% [1] Group 3: Strategic Focus for the Future - CCB plans to implement personal consumption loan interest subsidy policies and support for service industry loans, aiming to enhance financial services for the real economy [2]
6月末建行科技贷款余额达5.15万亿元