Core Viewpoint - The article emphasizes that China Construction Bank (CCB) is focusing on high-quality development amidst a challenging industry environment, characterized by pressure on interest margins and a shift towards value-driven growth in the banking sector [3][17]. Financial Performance - For the first three quarters of 2025, CCB reported operating income of 573.7 billion yuan, a year-on-year increase of 0.82%, and net profit attributable to shareholders of 257.4 billion yuan, up 0.62% year-on-year [4][6]. - In Q3 2025, CCB achieved a net profit of 95.3 billion yuan, reflecting a significant year-on-year growth of 4.19%, indicating a positive trend in profitability [5][6]. Revenue Structure - Non-interest income reached 146.1 billion yuan, growing by 13.95% year-on-year, becoming a key driver of revenue growth [6]. - The net interest margin for the first three quarters was 1.36%, a decrease of 4 basis points from the previous half-year, primarily due to declining asset yields [6]. Asset Quality and Capital Strength - As of September 30, 2025, CCB's total assets amounted to 45.37 trillion yuan, an increase of 11.83% from the end of the previous year, with total loans and advances reaching 27.68 trillion yuan, up 7.1% [7][10]. - The non-performing loan (NPL) ratio stood at 1.32%, a slight decrease of 2 basis points, indicating stable asset quality [8][10]. - CCB's capital adequacy ratios remain strong, with a core Tier 1 capital ratio of 14.36% and a total capital ratio of 19.24%, positioning the bank favorably within the industry [10][18]. Strategic Initiatives - CCB is actively pursuing digital transformation and strategic breakthroughs in areas such as green finance and inclusive finance, with green loan balances increasing by 18.38% year-to-date [12][13]. - The bank has also made significant strides in supporting small and micro enterprises, with loans in this segment exceeding 3.8 trillion yuan [13][18]. Future Outlook - CCB plans to continue enhancing its "retail + inclusive + green" collaborative development strategy, leveraging digital transformation to optimize its asset-liability structure and improve risk pricing capabilities [19].

Core Insights - The article highlights the efforts of China Construction Bank's Changsha Xingxiang Branch in promoting rural revitalization through financial support and community engagement [1][2][3] Group 1: Financial Support and Economic Development - The bank provided a loan of 4 million yuan to support the establishment of "Time Farm," enhancing the local economy and creating job opportunities for villagers [1] - The farm's operation has led to an increase of over 500,000 yuan in collective income for the village within a year, boosting local agricultural sales and social influence [1] Group 2: Community Services and Financial Inclusion - The bank has set up a "Yunong Tong" service point in the village, facilitating easy access to social security and medical insurance payments, significantly improving the convenience for villagers [2] - Training programs have been implemented to help villagers master financial and non-financial services, enhancing their financial literacy [2] Group 3: Cultural and Educational Initiatives - The bank co-established the "Yunong School" in the village, conducting over 30 educational activities related to financial literacy and community values, which earned the village recognition as a "Demonstration Village for Rural Financial Education" [3] - The village has received multiple honors for its governance and cultural initiatives, becoming a model for beautiful rural development [3]

Core Insights - The Bank of China Fujian Branch is committed to enhancing financial support for the "New Fujian" initiative, aiming to provide over 40 trillion yuan in comprehensive financing during the 14th Five-Year Plan period, while reducing costs for market entities by over 33 billion yuan [1] Group 1: Financial Support and Innovation - The Fujian Branch has developed a "Five-Dimensional Integrated" technology finance service system to support innovation in enterprises, analyzing over 90% of national high-tech enterprises in the province [2] - The branch has provided over 220 billion yuan in loans to private enterprises, emphasizing the importance of the private economy in Fujian [2] Group 2: International Trade and Cross-Border Financing - The Fujian Branch has facilitated nearly 580 billion yuan in financing for foreign trade and foreign investment enterprises during the 14th Five-Year Plan period, leveraging its global advantages [3] - The branch has introduced specialized financial products for the forestry sector, serving over 1,000 forestry-related entities [3] Group 3: Support for Marine Economy and Agriculture - The Fujian Branch has launched ten initiatives to support the marine economy, providing over 50 billion yuan in loans related to marine economic activities in the past three years [4] - The branch has developed various financial products to support rural revitalization and agricultural sectors, including specialized loans for unique agricultural industries [4] Group 4: Cultural and Tourism Development - The Fujian Branch has deepened cooperation with the provincial cultural and tourism department, implementing comprehensive financial service plans to enhance cultural influence and support tourism projects [5] - The branch has introduced innovative financing products to support historical street operations and promote tourism consumption activities [5]

Core Viewpoint - The transformation of Qingyang, a revolutionary old district in Gansu Province, is significantly driven by financial support and infrastructure development, leading to remarkable economic growth and modernization. Economic Development - In 2024, Qingyang's total economic output is projected to reach 121.3 billion yuan, with a per capita GDP of 57,000 yuan, representing increases of 1200 times and 470 times since the founding of New China, respectively [1] - The city has maintained its position as the second-largest economy in Gansu Province for several consecutive years [1] Infrastructure Improvement - The financial system has played a crucial role in enhancing infrastructure, with annual loan growth exceeding 40% in the early reform period, and infrastructure loans increasing from 4.152 billion yuan in 2012 to 25.842 billion yuan in 2024, averaging over 15% growth per year [2][3] - The area of Xifeng District has expanded from less than 5 square kilometers to 43 square kilometers, with numerous high-rise buildings now present [3] - The total length of roads in the city has reached 16,800 kilometers, over 100 times that of the early years of New China, achieving hard-surfaced roads in every village [3] Financial Services Enhancement - Financial institutions have improved access to services in rural areas, addressing issues such as long wait times for remittances and slow fund transfers [4][5] - The introduction of mobile payment solutions has significantly enhanced convenience for residents, allowing for easy transactions and financial services [5][6] - Various specialized financial products and services have been developed to meet the needs of farmers and rural communities [5] Digital Economy and Innovation - The launch of the "East Data West Computing" project has positioned Qingyang as a national hub for integrated computing networks, with financial institutions actively supporting this initiative [7][8] - A total of 1.18 trillion yuan in credit agreements have been signed to support the development of the digital economy [7] - Qingyang has achieved a significant breakthrough in its digital economy, with computing power scaling up to 66,000 P and becoming a leader in green energy consumption [8]

Core Insights - The article highlights the 40th anniversary of the People's Bank of China managing the national treasury, emphasizing the commitment of the Bank of China Kaifeng Branch to serve the public and support local economic development through innovative financial services [1][2] Group 1: Treasury Operations - The Bank of China Kaifeng Branch maintains a strong focus on risk control and compliance in its treasury operations, ensuring efficient and standardized management of core treasury business [1] - The branch actively engages in government bond issuance, leveraging its extensive network and online channels to provide professional consultation and meet residents' investment needs [1] - The branch has established dedicated windows at its service points to ensure timely and accurate collection of tax and budget revenues, enhancing communication with tax authorities to support stable fiscal growth [1] Group 2: Economic Development Support - The Bank of China Kaifeng Branch focuses on providing financial solutions for local government initiatives, including support for small and micro enterprises and rural revitalization projects, thereby injecting financial momentum into regional economic growth [1] - The branch has initiated a multi-dimensional campaign to promote treasury knowledge in communities, schools, and enterprises, aiming to enhance public awareness and understanding of treasury operations [2] - The branch plans to continue innovating its service models to contribute to the high-quality development of the local economy while ensuring the safe and efficient operation of fiscal funds [2]

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 financial system in Mudanjiang is actively promoting the revitalization of revolutionary old areas by integrating the spirit of the Anti-Japanese War into modern financial services, aiming to support local development and enhance economic vitality [1][2]. Financial System's Mission - Mudanjiang is a significant birthplace and battlefield of the Northeast Anti-Japanese United Army, with over 130 historical sites attracting more than one million visitors annually [2]. - The People's Bank of China Mudanjiang Branch has established a "Red Financial Service Alliance" with 21 banking institutions, 6 insurance companies, and 4 securities firms to implement a special action plan for financial support to revolutionary old areas [2]. - As of June 2025, the loan balance for revolutionary old areas in Mudanjiang reached 29.8 billion yuan, a year-on-year increase of 15.7% [2]. Service Innovation - Financial institutions are innovating services to support local development, such as the "Red Cultural Tourism Loan" from Postal Savings Bank, which provides low-interest loans for red tourism projects [3]. - The village of Shangande has transformed with the help of financial support, with Agricultural Bank of Mudanjiang providing 800 million yuan in loans to develop high-standard rice planting bases [4]. Inclusive Finance - Mudanjiang has established 136 rural financial service stations and 582 cash withdrawal machines to ensure basic financial services are available in administrative villages [5]. - Financial institutions are launching specialized credit products to support entrepreneurship, such as the "Entrepreneurship Guarantee Loan" from Longjiang Bank, which has supported over 1,200 projects [5]. Party Building and Development Synergy - The financial system in Mudanjiang emphasizes party building to convert red resources into development momentum, organizing activities to enhance party members' skills and community engagement [6]. - Financial institutions are providing targeted financial services to key projects, with China Bank Mudanjiang Branch offering 1.8 billion yuan in loans for major projects [6]. Conclusion - The continuous financial support is revitalizing revolutionary old areas, with local farmers expressing optimism about relying on financial strength for hometown revitalization [7].

Core Points - The Jiangyan branch of China Construction Bank has been awarded the title of "National Civilized Unit" for the seventh time, being the only bank in the city and province to receive this honor [1] - The branch emphasizes ideological development and the implementation of the Party's innovative theories, guiding employees to strengthen their ideals and beliefs [1] - The branch actively promotes the core socialist values and Chinese financial culture through various activities, creating a positive moral atmosphere [1] Group 1: Community Engagement and Economic Support - The branch has integrated into national strategies and local development, focusing on the real economy and rural revitalization, with over 5 billion yuan in new corporate loans in the past three years [1] - It has supported key projects such as the production of lightweight components for new energy vehicles [1] - The branch has increased inclusive financial loan offerings through products like "Yunongtong," serving over 11,000 enterprise clients and more than 4,800 individual clients [1] Group 2: Brand Image and Customer Service - The branch adheres to a "customer-centric" philosophy, establishing the first "elderly financial specialty outlet" in Taizhou [2] - It has organized over 100 financial knowledge promotion activities through initiatives like the "Zhang Fuqing Financial Service Team" [2] - The branch has strengthened internal anti-fraud measures, successfully blocking over 50 telecom fraud cases in the past three years [2]

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 ...

Group 1 - The core message of the articles emphasizes the commitment of the bank to support local economic development through various financial initiatives and services, aligning with national strategies for modernization [1][2][4] - The bank has provided over 21.5 billion yuan in loans throughout the year, focusing on key areas such as industrial upgrading, technological innovation, and opening up to external markets [1] - In the infrastructure sector, the bank has granted nearly 30 billion yuan in credit for major provincial and municipal projects, with a projected loan disbursement of 8 billion yuan in 2024, accounting for 43.44% of total loans [2] Group 2 - The bank has established a professional platform for cross-border services, assisting over 1,200 cross-border merchants with more than 100 million USD in foreign exchange transactions [3] - Innovative financial solutions have been developed to address challenges in the traditional inventory pledge process, enhancing services for bulk commodity trade [3] - The bank has actively engaged in rural revitalization by providing over 1 billion yuan in "Yunong Loan" products and facilitating 302,400 transactions worth 33 million yuan through local financial service points [4] Group 3 - The bank has focused on enhancing financial services for small and micro enterprises, with a total of 10,791 clients served in the private sector as of February [4] - The bank aims to deepen its understanding of the important speeches by national leaders and implement practical measures to advance reform and innovation in financial services [4]