手续费及佣金净收入增速转正，投资收益等非利息收入大幅增长，今年上半年，建设银行交出了向轻资 产、轻资本业务转型的经营"答卷"。 8月29日，建设银行对外公告中期业绩，并召开2025年中期业绩发布会。数据显示，今年上半年，该行 实现经营收入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%；拨备覆盖率为239.40%，较上年末提升5.8个百分点。上市以来累 计分红超1.3万亿元，2023、2024连续两年分红超千亿元；2025年将进行两次分红，中期分红比例保持 30%。 对于中报业绩较一季度有所改善的原因，建设银行行长张毅总结为：一是提升量价平衡发展能力，净利 息收入降幅进一步收窄；二是加快培育新动能，提升非利息收入贡献；三是持续完善全覆盖、全流程的 全面成本管理体系，提升投入产出质效；四是夯实风险防控根基，强化资产质量管控。 此外，关键指标向好也得益于该行推进资产、负债及收入结构"三优"，即资产结构优化，贷款和债券余 额占比近九成，聚焦提振消费、服务新质生产力、"两重""两新"等重点领域，加大资源支持；负债结构 优 ...

信贷结构持续优化。民营企业贷款余额6.59万亿元，较上年末增加5,943.89亿元，增幅9.92%。积极响应 国家战略，制造业贷款余额3.56万亿元，较上年末增加5,266.56亿元，增幅17.35%，其中制造业中长期 贷款1.79万亿元，增幅10.25%。战略性新兴产业贷款余额3.39万亿元，较上年末增加5,394.47亿元，增 幅18.92%。 房地产金融业务稳健运行，境内房地产行业贷款余额9,273.51亿元，较上年末增长2.09%。创新服务模 式成效显著，上半年数字供应链累计为5,394个核心企业产业链的13.22万家链属企业提供6,884.32亿元融 资支持。同时，为证券交易所上市企业及其主要股东提供股票回购增持贷款等综合金融服务，截至6月 末已投放相关贷款超120亿元。 经济观察网 8月29日，中国建设银行（601939）发布2025年中期报告，公司金融业务保持稳健发展态 势。截至2025年6月末，建设银行公司类客户达1,226万户，较上年末增加58.85万户；单位人民币结算账 户总量1,723万户，较上年末增加93.81万户，客户基础持续夯实。 资产负债规模稳步增长。截至6月末，建设银行境内公司 ...

Group 1: Financial Support for New Quality Productivity Development - The development of new quality productivity is an intrinsic requirement for promoting high-quality development, with finance providing strong support for this initiative [2] - The China Development Bank has issued over 2 trillion yuan in strategic emerging industry loans and over 360 billion yuan in special loans for technological innovation and basic research since the 14th Five-Year Plan [2] - The Export-Import Bank of China emphasizes the role of policy finance in providing strategic, long-term, and patient capital for new quality productivity, with a technology loan balance of 1.4 trillion yuan, accounting for over 25% of total loans [2] Group 2: Challenges in Financial Support for Technology Enterprises - Financial institutions face challenges in supporting technology enterprises, including the need for technology results to transition from laboratory to industrialization, which involves significant uncertainty [3] - Traditional financial logic focuses on cash flow and financial indicators, while the core value of technology companies lies in their technology, necessitating higher professional standards for financial institutions [3] - The comprehensive financial needs of the entire chain of the technology innovation industry require financial institutions to enhance their collaborative service capabilities and provide integrated financial services [3] Group 3: Artificial Intelligence Empowering Financial Reform and Innovation - The application of artificial intelligence (AI) in the financial sector presents both opportunities and challenges, with the need for regulatory coordination and cooperation across countries [4] - AI can enhance efficiency and meet customer needs, thereby increasing the competitiveness of financial institutions, but it also poses risks related to technology maturity, security, and privacy [4] - Recommendations include building AI infrastructure, creating a secure and trustworthy development environment, and fostering an open and collaborative innovation ecosystem in the financial sector [4]

Group 1: Financial Performance - In Q1 2025, six major state-owned banks achieved a total net profit attributable to shareholders of 344.42 billion yuan, averaging approximately 3.83 billion yuan per day [1] - Agricultural Bank and Bank of Communications reported year-on-year growth in net profit, with increases of 2.20% and 1.54% respectively [1] - The revenue figures for the six banks were as follows: Industrial Bank (212.77 billion yuan), Agricultural Bank (186.67 billion yuan), China Construction Bank (190.07 billion yuan), Bank of China (164.93 billion yuan), Postal Savings Bank (89.36 billion yuan), and Bank of Communications (66.37 billion yuan) [1] Group 2: Asset Scale and Quality - By the end of Q1, the total asset scale of the six banks showed steady growth, with Industrial Bank leading at 51.55 trillion yuan, a 5.58% increase from the previous year [2] - Agricultural Bank followed with assets of 44.82 trillion yuan, up 3.66%, while China Construction Bank reached 42.79 trillion yuan, growing by 5.48% [2] - The non-performing loan ratios for the banks remained stable, with Industrial Bank and Agricultural Bank both at 1.33%, and Postal Savings Bank at 0.91% [2] Group 3: Support for the Real Economy - The six banks continued to support the real economy, with Industrial Bank's loans to strategic emerging industries reaching 3.5 trillion yuan, and manufacturing loans at 4.8 trillion yuan [3] - Agricultural Bank's loans to strategic emerging industries totaled 3.2 trillion yuan, with a growth rate of 24.1% [3] - Postal Savings Bank served nearly 100,000 technology-based enterprises, with financing exceeding 600 billion yuan [3] Group 4: Green and Inclusive Finance - Agricultural Bank's green loan balance reached 5.59 trillion yuan, with a growth rate of 12.06% [3] - Postal Savings Bank's green loan balance was 910.71 billion yuan, growing by 6.01% [3] - Agricultural Bank's loans to private enterprises amounted to 7.22 trillion yuan, with a growth rate of 10.51% [3] Group 5: Digital Finance - By the end of Q1, Industrial Bank's loans to the core digital economy industries exceeded 960 billion yuan, reflecting a growth of 10.9% [4] - Bank of Communications reported loans to the digital economy core industries at 307.68 billion yuan [4]