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Core Viewpoint - China Construction Bank (CCB) reported a stable financial performance for the first half of 2025, with a net profit of CNY 162.64 billion, reflecting a slight decrease of 1.45% compared to the previous year, amidst challenges such as interest rate adjustments and credit impairment losses [2][6][9]. Financial Performance - The total operating income for the first half of 2025 was CNY 394.27 billion, an increase of 2.15% year-on-year [2][6]. - Net interest income decreased by 3.16% to CNY 286.71 billion, influenced by LPR repricing and adjustments in housing loan rates [2][6][9]. - Non-interest income rose by 19.64% to CNY 107.56 billion, with fee and commission income increasing by 4.02% to CNY 65.22 billion [2][6][11]. - The company reported a significant increase in cash flow from operating activities, amounting to CNY 1.26 trillion, a 332.12% increase year-on-year [2][6]. Asset and Liability Overview - As of June 30, 2025, total assets reached CNY 44.43 trillion, a 9.52% increase from the end of 2024 [3][5]. - Net loans and advances amounted to CNY 26.58 trillion, reflecting a growth of 6.13% [3][5]. - Total liabilities were CNY 40.85 trillion, up 9.73%, with customer deposits reaching CNY 30.47 trillion, a 6.11% increase [3][5]. Profitability Metrics - The annualized average return on assets was 0.77%, while the annualized weighted average return on equity was 10.08% [3][5]. - The cost-to-income ratio improved slightly to 23.60% [3][5]. - The non-performing loan ratio stood at 1.33%, with a provision coverage ratio of 239.40% [3][5]. Capital Adequacy - The capital adequacy ratio was reported at 19.51%, with a core tier one capital ratio of 14.34% [3][5]. - Shareholders' equity reached CNY 3.58 trillion, a 7.20% increase from the previous year [3][5]. Market Context - The Chinese economy showed resilience with a GDP growth of 5.3% in the first half of 2025, supported by proactive fiscal and monetary policies [4][5]. - The financial sector maintained stability, with a focus on risk management and supporting economic growth through effective investment strategies [4][5].

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。 （ 於 中 華 人 民 共 和 國 註 冊 成 立 的 股 份 有 限 公 司 ） (A joint stock company incorporated in the People's Republic of China with limited liability) （股份代號：00939） 2025年半年度報告 本公告乃根據《香港聯合交易所有限公司證券上市規則》第13.10B條刊登。茲載列 該公告（於上海證券交易所網站刊登）如下，僅供參閱。 特此公告。 中國建設銀行股份有限公司 董事會 2025年8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。 中国建设银行股份有限公司 2025 年半年度报告 股票代码： ...

Core Viewpoint - The article promotes a series of financial incentives for small and micro enterprises and individual businesses through the "CGB Hui Dong Ni" App, highlighting various cash rewards for signing loans, opening accounts, and utilizing services during a specified promotional period. Group 1: Loan Signing and Utilization Rewards - Small and micro enterprises and individual businesses can receive cash rewards ranging from 66 to 618 yuan for signing and utilizing loans, opening corporate accounts, and signing salary distribution agreements during the promotional period from July 7, 2025, to September 30, 2025 [1]. - New customers signing loans for the first time through the app can receive a 100 yuan cash reward [6]. - Existing customers who sign and utilize loans for the first time through the app can also receive a 100 yuan cash reward [6]. Group 2: Specific Customer Incentives - Customers who sign mortgage loans (regardless of the channel) with a utilization amount of 10,000 yuan or more can receive a 100 yuan cash reward [7]. - Innovative small and micro enterprises can receive a 100 yuan cash reward for utilizing loans for the first time through the app [10]. - CGB merchant customers can also receive a 100 yuan cash reward for their first loan utilization through the app [14]. Group 3: Account Opening and Salary Distribution Rewards - Customers opening a corporate basic or general account for the first time during the promotional period can receive a 66 yuan cash reward [21]. - Customers who complete the offline signing of the salary distribution service for the first time can receive a 66 yuan cash reward by logging into the app [23].

Core Viewpoint - The article discusses the implementation of personal consumption loan interest subsidy policies and service industry loan interest subsidy policies by the State Council, aimed at reducing credit costs for residents and financing costs for service industry entities, thereby stimulating consumption potential and enhancing market vitality [4]. Group 1: Policy Implementation - On July 31, the State Council held a meeting to deploy the implementation of personal consumption loan interest subsidy policies and service industry loan interest subsidy policies [4]. - The Industrial and Commercial Bank of China (ICBC) announced on August 2 that it is actively promoting the implementation of these subsidy policies to lower credit costs for residents and financing costs for service industry entities [1][3]. - The Construction Bank also emphasized its commitment to implementing these policies, focusing on enhancing financial supply and supporting consumption expansion through various financial products [3]. Group 2: Expected Outcomes - The subsidy policies are expected to have a significant effect on reducing financing costs, which can stimulate demand for end products and enhance the public service supply capacity [4]. - The policies aim to facilitate easier access to national policy benefits for market participants, thereby invigorating consumption potential and improving market vitality [3][4]. - The article highlights the importance of collaboration among departments and the need for simplified procedures to ensure the effective implementation of these policies [4].

Group 1 - The 2024 Central Economic Work Conference prioritizes "boosting consumption, improving investment efficiency, and expanding domestic demand" as the main task for 2025 economic work [1] - Various policies have been implemented this year, including special actions to boost consumption, trade-in programs for consumer goods, and consumption subsidies, leading to stable growth in the consumption market [1] - On July 31, the State Council announced the implementation of personal consumption loan interest subsidy policies and service industry loan interest subsidy policies to lower credit costs for residents and financing costs for service industry entities [1] Group 2 - China Construction Bank has initiated a consumption finance special action themed "Boosting Consumption and Expanding Domestic Demand" to enhance financial supply and support consumption [2] - The bank is leveraging the "Construction Bank Life" platform to participate in the distribution of national consumption subsidy funds and explore a "government subsidy + financial rights" service model [2] - Construction Bank aims to enhance market confidence and drive development by providing tailored credit products for service industry entities and increasing the supply of inclusive financial credit [2]

Core Viewpoint - The article emphasizes the launch of the "CCB Huidongni" app, which aims to enhance customer experience in loan applications and financial management through advanced features like AI-driven credit consulting and streamlined processes [2][4]. Group 1: App Features - The "CCB Huidongni" app includes an "Intelligent Credit Consultant" that provides 24/7 professional services and quick access to offline customer managers [4]. - The app offers a comprehensive online "Hui Keting" service that includes product recommendations, loan guidance, and intelligent Q&A [4][5]. - Users can quickly understand loan processes through instructional videos that detail application steps for various loan types [5][6]. Group 2: Loan Application Process - The app allows users to fill out their loan requirements clearly, enabling the system to match suitable loan products based on the entered information [10]. - Users can specify desired loan amounts, terms, and interest rates, with the system providing tailored product recommendations [11]. - The app supports various loan types, including personal credit loans and mortgage loans, with interest rates starting from 3.85% [11][15]. Group 3: Customer Support - The app features real-time assistance from an intelligent credit consultant, guiding users through key application stages and providing explanations for professional terms [12][13]. - Users can contact customer managers directly through the app for immediate support regarding loan applications and issues [16]. - The app includes video resources to help users understand product details and application processes better [14][16].

Core Viewpoint - Construction Bank is actively enhancing its financing services for small and micro enterprises, transitioning from a passive response to proactive empowerment, with a focus on accessibility and suitable interest rates [1]. Group 1: Financing Initiatives - As of April 2023, Construction Bank has provided funding to over 1.4 million enterprises, with a total credit issuance of 1.8 trillion yuan [1]. - The bank has established a "236" work mechanism to improve customer service capabilities and address the actual difficulties faced by enterprises [1]. Group 2: Tailored Financial Solutions - Construction Bank customizes financial solutions for small and micro enterprises, such as the "Shanxin Loan" for a smart technology company, which successfully secured a loan of 670,000 yuan after resolving legal issues [2]. - The bank offers comprehensive financial services tailored to the specific needs of enterprises in key sectors like foreign trade, technology, and agriculture [2]. Group 3: Addressing Sector-Specific Challenges - A biological pharmaceutical company faced challenges due to rising international logistics costs and exchange rate fluctuations; Construction Bank provided a comprehensive service plan, including a loan of 2 million yuan and risk management solutions [3]. - A high-tech pig farming enterprise utilized the "Jianhang Huizhongni" app to apply for a technology enterprise credit loan, benefiting from rapid approval and disbursement [3]. Group 4: Agricultural Financing - The bank has developed a financing risk control model for the Lingbao apple industry, offering a pure credit, no-collateral, fully online loan product called "Yunong Zhenxing Loan (Apple Industry)" to meet the growing financial service demands of farmers [4]. - Construction Bank is committed to implementing national policies to enhance financial service precision and accessibility for small and micro enterprises, contributing to high-quality development of the real economy [4].

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。 股票代码：601939 股票简称：建设银行 （ 於 中 華 人 民 共 和 國 註 冊 成 立 的 股 份 有 限 公 司 ） (A joint stock company incorporated in the People's Republic of China with limited liability) （股份代號：00939） 2025年第一季度報告 本公告乃根據《香港聯合交易所有限公司證券上市規則》第13.10B條刊登。茲載列 該公告（於上海證券交易所網站刊登）如下，僅供參閱。 特此公告。 中國建設銀行股份有限公司 董事會 2025年4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 非執行董事為田博先生、夏陽先生、劉芳女士和李璐女士，本行的獨立非執行董 事為格雷姆 • 惠勒先生、米歇爾 • 馬德蘭先生、威廉 • 科恩先生、梁錦松先生、 詹誠信勛爵和林志軍先 ...

Core Viewpoint - Small and micro enterprises are crucial for stabilizing the economy and ensuring employment, as well as being important sources of innovation. The China Construction Bank is actively supporting these enterprises by providing financing and services tailored to their needs [1]. Group 1: Financing Initiatives - China Construction Bank has injected funds into over 1.25 million enterprises, with a total credit exceeding 1.5 trillion yuan [1]. - The bank has established a "236" work mechanism to enhance customer service and address the actual difficulties faced by enterprises [2]. - The bank's approach includes a six-step method for client visits, focusing on identifying and solving problems [2]. Group 2: Problem-Solving and Support - During visits, the bank collects detailed information on the challenges faced by enterprises and develops tailored solutions [3]. - A specific case involved a small technology company that received a customized financing solution after resolving a legal issue, resulting in a loan of 670,000 yuan [3]. Group 3: Sector-Specific Services - The bank provides differentiated services for key sectors such as foreign trade, technology, consumption, and agriculture, implementing "one enterprise, one policy" strategies [4]. - A foreign trade company received a 2 million yuan loan and additional support for managing exchange rate risks and logistics costs [4]. - A technology company focused on the pig farming industry was able to secure a specialized credit loan quickly, enhancing its financing efficiency [5]. Group 4: Consumer and Agricultural Support - A consumer goods company successfully obtained a 300,000 yuan loan to alleviate financial pressure from rising raw material costs [6]. - An agricultural financing model was developed for apple growers, allowing for quick, unsecured loans to support the expansion of the apple industry [7]. Group 5: Sustainable Financial Mechanisms - The bank is addressing issues like "difficulties in renewing loans" and "reluctance to lend" by implementing sustainable financial service mechanisms [8]. - A medical technology company benefited from a quick loan renewal process, demonstrating the bank's responsiveness to client needs [8]. Group 6: Risk Management and Support - The bank has established a "duty exemption" policy for credit staff, encouraging them to support enterprises without fear of penalties for unforeseen loan defaults [9]. - The bank aims to enhance the precision and accessibility of financial services for small and micro enterprises, contributing to high-quality economic development [9].