Core Viewpoint - The financial industry is tasked with a new historical mission to support high-quality development, focusing on enhancing financing accessibility and improving financial product services by 2027 [1] Group 1: Financial Industry Development - The State Council has issued guidelines for the financial sector to achieve significant results in five key areas by 2027, including improving financing accessibility and enhancing the inclusiveness of financial services [1] - Financial institutions are increasingly adopting a "value creation" approach to support high-quality development, integrating their growth with national strategic goals [2] Group 2: Inclusive Finance - The Qingdao branch of the Construction Bank emphasizes serving small and micro enterprises as a core aspect of inclusive finance, utilizing digital technology to enhance credit services [3] - The "Jianhang Huidongni" platform has been developed to provide a comprehensive digital inclusive finance model, streamlining the loan process and addressing the "first loan difficulty" for small businesses [3] - As of August this year, the inclusive finance loan balance at the Qingdao branch reached 35 billion yuan, with an increase of 3.05 billion yuan since the beginning of the year [4] Group 3: Pension Finance - The Qingdao branch is actively implementing national pension finance strategies, focusing on building a comprehensive pension service system to support the aging population [5] - The bank has introduced the "Anxiang" series of financial products designed for the elderly, emphasizing stability and low volatility to alleviate economic burdens [5][6] Group 4: Consumer Finance - The bank is responding to the trend of consumption upgrades by offering diverse and personalized consumer credit products to stimulate market potential [7] - In August, a new fiscal subsidy policy for personal consumer loans was launched, aimed at reducing financing costs for residents and enhancing consumption [8] - The bank has implemented a new online service for personal loans, providing 24/7 access and streamlining the application process for various consumer credit products [8] Group 5: Future Outlook - The Qingdao branch plans to continue its focus on inclusive finance, pension finance, and consumer finance, aiming to enhance service quality and contribute to the development of a modern socialist metropolis [9]

Core Viewpoint - The financial industry is tasked with a new historical mission to support high-quality development, focusing on enhancing financing accessibility and improving financial product services by 2027 [1] Group 1: Financial Industry Development - The State Council has issued guidelines to achieve significant results in the "Five Major Articles" of finance by 2027, emphasizing the need for improved financing accessibility and a more comprehensive inclusive financial system [1] - Financial institutions are increasingly adopting a "value creation" approach to serve high-quality development, integrating their growth with national strategic goals [2] Group 2: Inclusive Finance Initiatives - The Qingdao branch of the Construction Bank is committed to supporting small and micro enterprises as a core aspect of inclusive finance, utilizing digital technology to enhance credit services [3] - The "Jianhang Huidongni" platform has been developed to provide a comprehensive digital inclusive finance model, streamlining the loan process and addressing the "first loan difficulty" for small businesses [3][4] - As of August this year, the inclusive finance loan balance at the Qingdao branch reached 35 billion yuan, with an increase of 3.05 billion yuan since the beginning of the year [4] Group 3: Elderly Financial Services - The Qingdao branch is actively implementing the national pension finance strategy, focusing on creating a comprehensive pension service system to support the aging population [5] - The bank has introduced the "Anxiang" series of financial products designed for the elderly, emphasizing stability and low volatility to alleviate economic burdens [5] - Adaptations for elderly clients include a dual-service mechanism and enhancements to mobile banking, ensuring accessibility and ease of use for older customers [6] Group 4: Consumer Finance Expansion - The bank is responding to the trend of consumption upgrades by offering diverse and personalized consumer credit products to stimulate market potential [7] - The introduction of the fiscal subsidy policy for personal consumer loans aims to reduce financing costs for residents, with the bank implementing this policy effectively [8] - The bank has launched various consumer loan products, enhancing service efficiency and accessibility for residents [8] Group 5: Future Outlook - The Qingdao branch plans to continue its focus on inclusive finance, pension finance, and consumer finance, aiming to enhance service quality and contribute to the development of a modern socialist metropolis [9]

Core Viewpoint - China Construction Bank (CCB) reported solid performance in Q3 2025, focusing on enhancing its capabilities to support the real economy and maintain financial stability, while exploring high-quality development paths [1] Financial Performance - Operating income reached 560.281 billion RMB, a year-on-year increase of 1.44% [2] - Pre-provision profit was 411.360 billion RMB, up 1.03% year-on-year [2] - Net profit amounted to 258.446 billion RMB, reflecting a 0.52% increase compared to the previous year [2] - Net profit attributable to shareholders was 257.360 billion RMB, with a growth of 0.62%, marking an acceleration in growth over two consecutive quarters [2] - Non-interest income from fees and commissions rose to 89.668 billion RMB, a 5.31% increase year-on-year [2] - Total assets reached 45.37 trillion RMB, growing 11.83% from the end of the previous year [2] - Total loans and advances amounted to 27.68 trillion RMB, up 7.10% from the end of the previous year [2] - Total liabilities were 41.71 trillion RMB, increasing by 12.05% [2] - Non-performing loan ratio stood at 1.32%, down 0.02 percentage points from the end of the previous year [2] Business Development - CCB actively supports the real economy, with manufacturing loans exceeding 3.5 trillion RMB and private sector loans surpassing 6.7 trillion RMB [3] - The bank has issued green loans totaling 5.89 trillion RMB, reflecting an 18.38% increase year-to-date [3] - The pension fund management scale reached 700.899 billion RMB, growing 11.78% from the end of the previous year [3] - Digital financial services are expanding, with mobile banking users totaling 542 million [3] Risk Management - CCB emphasizes a comprehensive risk management approach, enhancing integrated risk control capabilities across its subsidiaries and branches [4] - The bank is focused on improving its risk monitoring and early warning systems through intelligent risk control measures [4]

Core Viewpoint - China Construction Bank (CCB) reported solid performance in Q3 2025, focusing on enhancing its capabilities to support the real economy and maintain financial stability, while exploring high-quality development paths [1] Financial Performance - Operating income reached 560.281 billion RMB, a year-on-year increase of 1.44% [2] - Pre-provision profit was 411.36 billion RMB, up 1.03% year-on-year [2] - Net profit amounted to 258.446 billion RMB, reflecting a 0.52% increase compared to the previous year [2] - Net profit attributable to shareholders was 257.36 billion RMB, with a growth of 0.62%, marking an acceleration in growth over two consecutive quarters [2] - Non-interest income from fees and commissions rose to 89.668 billion RMB, a 5.31% increase year-on-year [2] - Total assets reached 45.37 trillion RMB, growing 11.83% from the end of the previous year [2] - Total loans and advances stood at 27.68 trillion RMB, up 7.10% from the end of last year [2] - Total liabilities increased to 41.71 trillion RMB, a 12.05% rise from the end of the previous year [2] - Non-performing loan ratio improved to 1.32%, down 0.02 percentage points from the end of last year [2] Business Development - CCB is actively supporting the real economy, with loans to the manufacturing sector exceeding 3.5 trillion RMB [3] - Loans to private enterprises surpassed 6.7 trillion RMB, demonstrating strong support for the private sector [3] - Green loan balance reached 5.89 trillion RMB, reflecting an 18.38% increase since the beginning of the year [3] - The bank issued over 500 billion RMB in green bonds and participated in underwriting 98 domestic green and sustainable development bonds, totaling 292.878 billion RMB [3] - Inclusive finance services improved significantly, with loans to small and micro enterprises reaching 3.81 trillion RMB, an increase of 397.69 billion RMB [3] Risk Management - CCB is enhancing its risk management framework, focusing on integrated risk control across its subsidiaries and institutions [4] - The bank aims to improve its risk monitoring and early warning systems through the development of an intelligent risk control system [4] - Future plans include aligning with the goals set forth in the 20th National Congress of the Communist Party of China, focusing on financial development in line with national modernization efforts [4]

Group 1 - The article promotes a mobile banking service with a registration incentive ranging from 10 to 100 yuan for users who open the service [1] - The campaign titled "Building Bank Understands You" aims to enhance customer experience and provide thoughtful services [2] - The promotional activities are scheduled to run from October 1, 2025, to December 31, 2025, with limited availability of benefits [2]

Core Insights - China Construction Bank's Shanghai branch has launched a new credit-based working capital loan called "Hu Ke Points Loan," with a maximum limit of 10 million yuan and a term of up to three years, available for flexible borrowing and repayment through the "CCB Hui Dong Ni" app [1][2] - The loan aims to support technology-driven small and micro enterprises, addressing their unique characteristics such as high growth potential and limited asset backing, by utilizing a value evaluation system based on the Shanghai "Hu Ke Points" assessment [1] Group 1 - The "Hu Ke Points Loan" has increased the loan limit for Shanghai Guangjiang Environmental Art Co., Ltd. from over 1 million yuan to 2.8 million yuan, enhancing their capacity for research and development [1] - The loan product is designed to alleviate the challenges faced by technology enterprises in accumulating credit information and meeting financing needs, particularly for those with limited revenue during growth phases [1] Group 2 - Since 2023, China Construction Bank's Shanghai branch has prioritized technology finance, launching initiatives such as the "High-Quality Development Action Plan" and the innovative "5Pr Technology Finance Promotion System" [2] - The bank has served over 8,000 technology credit clients, with 80% being inclusive small and micro enterprises, demonstrating its commitment to providing tailored financial services [2]

Core Viewpoint - The article outlines a promotional campaign by a bank aimed at small and micro enterprises, offering various cash incentives for engaging in banking services such as loan signing, account opening, and salary distribution [2][3][4]. Summary by Sections Promotional Activities - The campaign runs from October 1, 2025, to December 31, 2025, targeting small and micro enterprises and individual businesses [2]. - Participants can receive up to 1,000 yuan in WeChat cash rebates by engaging in services like precise loan measurement, loan signing, account opening, and salary distribution [2]. Incentives for New Customers - New customers completing their first loan signing through the bank's platform can receive a 100 yuan cash rebate [3]. - New customers who sign a loan and utilize it for the first time can receive a 150 yuan cash rebate [3]. Incentives for Existing Customers - Existing customers who sign and utilize a loan of 10,000 yuan or more can receive a 150 yuan cash rebate [5][6]. - Existing customers who complete a medium to long-term loan utilization for the first time can receive a 100 yuan cash rebate [7]. Specific Loan Types - Customers utilizing fixed-term loans for the first time can receive a 100 yuan cash rebate [9]. - Innovative small and micro enterprises can receive a 100 yuan cash rebate upon completing their first loan utilization [11]. Additional Incentives - Customers who have previously taken out a housing loan can receive a 100 yuan cash rebate for their business loans [13][15]. - New corporate account holders can receive a 100 yuan cash rebate upon opening their first corporate account [17]. - Existing customers who complete offline salary distribution services for the first time can also receive a 100 yuan cash rebate [19]. Usage and Limitations - The cash rebates can be used for WeChat payments, with a validity period of 30 days from the date of receipt [22]. - Each enterprise can only receive the rebate once, and individuals managing multiple enterprises can participate up to three times [22].

Core Viewpoint - The article emphasizes the support provided by the company to small and micro enterprises, highlighting promotional activities aimed at enhancing business growth and customer engagement [3][5]. Group 1: Promotional Activities - The company is running a promotional event from July 7, 2025, to September 30, 2025, offering a monthly limited number of benefits, which are available on a first-come, first-served basis [3]. - The promotional campaign is designed to inject momentum into small businesses and individual merchants, showcasing the company's commitment to understanding and meeting their needs [5]. Group 2: Customer Engagement - The company positions itself as a supportive partner for businesses, emphasizing its role in providing professional services and personalized care to foster growth and mutual success [5]. - The article encourages potential customers to engage with the company's services through its official WeChat account for more information [7].

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： ...