Core Viewpoint - The improvement in performance indicators reflects the transformation in the development path of the company, emphasizing "internal high-quality development" which balances social and economic benefits [2][22]. Financial Performance - In the first half of the year, the company achieved operating income of 385.9 billion yuan, a year-on-year increase of 2.95% [6]. - The net interest margin was reported at 1.4%, maintaining a leading position among comparable peers [6]. - The non-performing loan ratio decreased to 1.33%, marking a continuous decline over four years [9]. Digital Transformation - The company enhanced its system capabilities significantly, reducing daily batch processing time by approximately 30% and increasing online transaction processing capacity by about 1.6 times [3][10]. - The number of users for the mobile banking and "CCB Life" platforms reached 533 million, with monthly active users growing by 14.4% [10]. Loan and Credit Growth - Personal consumption loans increased by 16.34%, with a balance of 614.2 billion yuan as of mid-year [13]. - The company maintained its position as a major player in the personal housing loan market, with a balance of 6.15 trillion yuan [15]. Support for Foreign Trade - The company has actively supported foreign trade, with trade financing disbursements reaching 1.38 trillion yuan, a year-on-year increase of 21.55% [18]. - Cross-border RMB settlement volume grew by 23.21% year-on-year, totaling 3.14 trillion yuan [18].

（原标题：建行刷新半年成绩单！营收拨备双增，低利率环境下业绩缘何向好？） 低利率环境下，建设银行"迎难而上"，交出一份关键经营指标企稳向好的中期答卷。 8月29日，建设银行发布2025年上半年经营业绩并召开中期业绩发布会。业绩数据显示，截至2025年6月 末，集团资产总额达44.43万亿元，较上年末增长9.52%；经营收入3859.05亿元，同比增长2.95%；手续 费及佣金净收入652.18亿元，同比增长4.02%；拨备前利润2901.03亿元，同比增长3.37%；拨备覆盖率 239.4%，较上年末提升5.8个百分点，重要业绩指标均实现正增长。 细看建行半年业绩，资产、负债和关键经营指标企稳；资产、负债及收入结构优化；成本、风险及资本 管控成效显著。"我们锚定'三稳''三优''三控'目标不动摇，经营成果稳中有进、稳中提质。"建行行长张 毅在发布会上表示。 "建行将坚持内涵式高质量发展，进一步优化经营策略。"张毅表示，在资产端，稳总量、优结构、拉久 期、增收益；在负债端，抓核心、夯基础、控期限、降成本；在收入端，稳基本盘，拓增长点；在服务 端，坚持客户深耕和产品组合策略。坚决维护市场竞争秩序，以优质服务锻造核 ...