Jin Rong Shi Bao·2025-09-03 01:03Core Viewpoint - Construction Bank reported a net commission income of 65.218 billion yuan for the first half of 2025, an increase of 2.5 billion yuan, or 4.02% year-on-year, with total non-interest income reaching 99.2 billion yuan, up 25.93% year-on-year [1][2] Group 1 - The bank's credit card customer base exceeded 100 million, with wealth management and private banking clients growing at double-digit rates, indicating an expanding customer base despite fee reductions [1] - The bank's third-party payment income surpassed 10 billion yuan, and corporate settlement income was stabilized through increased customer outreach and product coverage [1] - The bank has enhanced its support for the real economy, with significant growth in syndicate loans, investment banking, and engineering consulting services [1] Group 2 - The bank's wealth management business saw a fund distribution income growth rate exceeding 20%, with third-party custody clients and funds maintaining a leading position in the industry, resulting in a revenue increase of over 40% [2] - The proportion of net commission income to operating income rose to 16.90%, an increase of 0.17 percentage points year-on-year, reflecting the bank's light asset and capital characteristics [2] - The bank's transformation efforts are yielding results, with over 60% of revenue contributions coming from wealth management, investment banking, and transaction banking in the first half of the year [2]