智通财经APP获悉，4月30日港股市场，北水成交净买入56.37亿港元，其中港股通(沪)成交净买入47.89 亿港元，港股通(深)成交净买入8.48亿港元。 北水净买入最多的个股是盈富基金(02800)、美团-W(03690)、建设银行(00939)。北水净卖出最多的个股 是工商银行(01398)、小鹏汽车-W(09868)、中国移动(00941)。 | 股票名称 | 买入额 | 卖出额 | 买卖总额 | | --- | --- | --- | --- | | | | | 净流入 | | 小米集团-W | 25.53亿 | 27.72亿 | 53.25亿 | | HK 01810 | | | -2.18 Z- | | 阿里巴巴-W | 12.46 亿 | 15.47 乙 | 27.93亿 | | HK 09988 | | | -3.011Z | | 中国银行 | 13.63 乙 | 12.43 亿 | 26.06亿 | | HK 03988 | | | +1.20 乙 | | 美团-W | 14.24 Z | 10.71亿 | 24.95亿 | | HK 03690 | | | +3.53 乙 | | 腾讯控 ...

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的內容概不負責，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 引致的任何損失承擔任何責任。 中國建設銀行股份有限公司 CHINA CONSTRUCTION BANK CORPORATION （於中華人民共和國註冊成立的股份有限公司） 股份代號：00939 2025 年第一季度報告 中國建設銀行股份有限公司（"本行"）董事會宣佈本行及所屬子公司（統稱 "本集團"）截至 2025 年 3 月 31 日止期間按照國際財務報告準則編製的未經 審計業績。本公告乃根據《證券及期貨條例》（香港法例第 571 章）第 XIVA 部及《香港聯合交易所有限公司證券上市規則》第 13.09 條做出。 重要內容提示： 第一季度財務報表未經審計。 1 主要財務數據 2.1 普通股股東總數及持股情況 2025 年 3 月 31 日，本行普通股股東總數為 308,181 戶，其中 H 股股東 36,896 戶，A 股股東 271,285 戶。本行前 10 名普通股股東持股情況如下（不 含通過轉融通出借股份）： | 普通股股 ...

守正創新 行穩致遠 中國建設銀行股份有限公司 2024 年度報告 地址及郵編 中國北京市西城區金融大街25號 100033 可 循 環 再 造 紙 張 印 刷 中國建設銀行股份有限公司 (於中華人民共和國註冊成立的股份有限公司) 股份代號 : 939（H股普通股） 601939（A股普通股） 360030（境內優先股） 2024 年度報告 中國建設銀行股份有限公司 重要提示 本行董事會、監事會及董事、監事、高級管理人員保證本年度報告內容的真實、準確、完 整，不存在虛假記載、誤導性陳述或重大遺漏，並承擔個別和連帶的法律責任。 本行於2025年3月28日召開董事會會議，審議通過了本年度報告及其業績公告。本行12名 董事出席董事會會議。因公務原因，詹誠信勛爵委託米歇爾•馬德蘭先生出席並表決。 董事會建議向全體股東派發2024年末期現金股息，每股人民幣0.206元（含稅），股息總額 約人民幣515.02億元。經2024年第二次臨時股東大會批准，本行已向2025年1月9日收市後 在冊的全體股東派發2024年度中期現金股息每股人民幣0.197元（含稅），股息總額約人民幣 492.52億元。全年每股現金股息人民幣0.403 ...

Dividends and Financial Performance - The total cash dividend for the year 2024 is approximately RMB 101.75 billion, with a per-share dividend of RMB 0.403 (including tax) [7]. - The interim cash dividend for the first half of 2024 was RMB 0.197 per share, totaling approximately RMB 49.25 billion [7]. - The board proposed a cash dividend of 0.206 RMB per share for the end of 2024, totaling 0.403 RMB per share for the entire year [46]. - Net profit reached 300 billion CNY in 2023, showing a significant increase compared to previous years [29]. - Net profit for 2024 increased by 1.15% to RMB 336,282 million compared to RMB 332,460 million in 2023 [36]. - Operating income for 2024 was RMB 728,570 million, a decrease of 2.29% from RMB 745,615 million in 2023 [36]. - The net cash flow from operating activities significantly decreased by 47.42% to RMB 338,023 million in 2024 from RMB 642,850 million in 2023 [36]. Risk Management - The company faces various risks including credit risk, market risk, operational risk, liquidity risk, and strategic risk, and actively implements measures to manage these risks [8]. - The non-performing loan coverage ratio is at 233.60%, reflecting strong risk management practices [33]. - The non-performing loan ratio slightly improved to 1.34% in 2024 from 1.37% in 2023 [38]. Financial Stability and Growth - The total assets of the group as of December 31, 2024, reached RMB 40,571,149 million, reflecting a growth of 5.86% from RMB 38,324,826 million in 2023 [36]. - The bank's capital adequacy ratio is at 19.69%, ensuring robust financial stability [33]. - The total liabilities increased by 5.90% to RMB 37,227,184 million in 2024 from RMB 35,152,752 million in 2023 [36]. - The group’s total equity reached CNY 3.34 trillion, an increase of CNY 171.89 billion, reflecting a growth rate of 5.42% [159]. Customer Base and Services - The bank serves 771 million individual customers and 11.68 million corporate clients, with a total of 376,847 employees and 14,750 branches [16]. - The company served 11.68 million corporate clients and 771 million individual customers, reflecting a strong customer base [46]. - The number of "Twin Stars" users has reached 521 million, showcasing strong customer engagement [35]. - The wealth customer base grew to 39.16 million, an increase of 17.78% year-over-year [197]. Technological Advancements - The company is focusing on enhancing its digital banking services and improving customer experience through technological innovations [10]. - The company has completed 193 application scenarios for its enterprise-level financial model system, with over 7,000 research and development skills [196]. - The overall computing power and service capability of "CCB Cloud" remain industry-leading, completing the decentralized transformation of core systems [196]. - The company is implementing intelligent technologies such as robotic process automation (RPA) to deepen operational efficiency [197]. Environmental and Social Responsibility - The MSCI ESG rating improved to the highest level (AAA), indicating strong commitment to social responsibility [46]. - The bank is committed to enhancing its capabilities in serving national strategies, preventing financial risks, and participating in international competition [17]. - The bank emphasizes the development of five key financial areas: technology finance, green finance, inclusive finance, pension finance, and digital finance [17]. Operational Efficiency - The bank's cost-to-income ratio stands at 29.58%, indicating efficient operational management [33]. - The group plans to enhance cost management and efficiency in marketing expenditures to support strategic initiatives and customer account expansion [106]. - The group maintained a diversified funding structure, with the proportion of issued debt securities increasing by 1.02 percentage points to 6.41% [150]. Loan and Investment Growth - Loans to strategic emerging industries increased by 26.63%, reaching 2.84 trillion CNY [35]. - Green loan balance reached 4.70 trillion CNY, with a growth rate of 20.99% [35]. - The net amount of loans and advances issued was CNY 25.04 trillion, up by 8.48% [55]. - The total amount of corporate loans and advances was RMB 14.43 trillion, an increase of RMB 1.21 trillion, representing a growth of 9.14% [124].

Financial Performance - For the three months ended September 30, 2024, operating income was RMB 177,516 million, a decrease of 2.72% year-on-year[4]. - Net profit for the same period was RMB 92,073 million, representing an increase of 4.46% compared to the previous year[4]. - The net profit attributable to shareholders was RMB 91,450 million, up 3.79% year-on-year[4]. - The annualized weighted average return on net assets was 11.46%, down 0.78 percentage points from the previous year[4]. - The company reported a basic and diluted earnings per share of RMB 0.35 for the third quarter, a decrease of 0.98% year-on-year[4]. - The net profit for the nine months ending September 30, 2024, was RMB 257,112 million, a slight increase of 0.65% compared to RMB 255,440 million in the same period last year[18]. - Net profit attributable to shareholders for the nine months ended September 30, 2024, was RMB 255,776 million, slightly up from RMB 255,454 million in the same period of 2023, indicating a marginal increase of 0.1%[24]. - The bank reported a net profit for the third quarter of 2024 of RMB 91,450 million, an increase from RMB 88,110 million in the same quarter of 2023, representing a growth of 2.7%[24]. Assets and Liabilities - Total assets as of September 30, 2024, reached RMB 40,923,042 million, an increase of 6.78% from December 31, 2023[4]. - Total liabilities increased by 6.90% to RMB 37.58 trillion, while deposits reached RMB 28.56 trillion, up 3.26%[15]. - Total assets of the group as of September 30, 2024, were RMB 40.92 trillion, up 6.78% from the end of the previous year[13]. - Total liabilities as of September 30, 2024, amounted to RMB 37,579,717 million, up from RMB 35,152,752 million as of December 31, 2023, representing an increase of 6.9%[26]. - The bank's total equity as of September 30, 2024, was RMB 3,343,325 million, up from RMB 3,172,074 million as of December 31, 2023, reflecting a growth of 5.4%[27]. Loans and Advances - The total amount of loans and advances issued was RMB 25.75 trillion, reflecting a growth of 7.92% year-on-year[14]. - The balance of loans for strategic emerging industries reached RMB 2.74 trillion, while loans for technology enterprises amounted to RMB 1.82 trillion, both showing rapid growth[10]. - Inclusive finance loan balance reached RMB 3.29 trillion, an increase of RMB 248.46 billion from the previous year, serving 3.37 million customers[11]. - The balance of loans for the digital economy core industries grew by 15.98% to RMB 795.58 billion[13]. - Loans and advances to customers as of September 30, 2024, were RMB 24,931,618 million, compared to RMB 23,083,377 million as of December 31, 2023, showing a growth of 8.0%[25]. - The net increase in loans and advances for the nine months ended September 30, 2024, was RMB (1,970,753) million, compared to RMB (2,444,623) million for the same period in 2023, indicating a reduction in loan issuance[30]. Income and Expenses - The net interest income decreased by 5.89% year-on-year to RMB 440,817 million, with a net interest margin of 1.52%[18]. - Non-interest income increased by 9.13% year-on-year to RMB 1,115,300 million, driven by fluctuations in exchange rates and capital markets[18]. - The operating expenses decreased by RMB 11,580 million year-on-year, with a cost-to-income ratio of 25.25%, up 0.63 percentage points from the previous year[18]. - The bank's cash flow from financing activities was RMB (19,844) million for the nine months ended September 30, 2024, a significant improvement from RMB (83,196) million in the same period of 2023[31]. Shareholder Information - The total number of ordinary shareholders as of September 30, 2024, was 313,362, with H-share shareholders accounting for 37,876 and A-share shareholders 275,486[6]. - The top 10 ordinary shareholders held a total of 142,590,494,651 H-shares, representing 57.03% of the total[6]. - As of September 30, 2024, the total number of preferred shareholders is 30, with the top 10 shareholders holding a combined 60.99% of the shares[8]. - The company plans to distribute a cash dividend of RMB 0.400 per share for the 2023 fiscal year, totaling approximately RMB 1,000.04 million[19]. Capital and Regulatory Ratios - The capital adequacy ratio stood at 19.35%, with a Tier 1 capital ratio of 15.00% and a core Tier 1 capital ratio of 14.10% as of September 30, 2024[17]. - The liquidity coverage ratio was reported at 120.29%, exceeding regulatory requirements[17]. Cash Flow - The net cash flow from operating activities for the nine months ended September 30, 2024, was RMB 954,869 million, a significant increase of 100.10% year-on-year[5]. - Cash received from investment recoveries was RMB 1,882,043 million for the nine months ended September 30, 2024, up from RMB 1,079,562 million in the same period of 2023[31]. - The net cash flow used in investing activities was RMB (470,810) million for the nine months ended September 30, 2024, a decrease from RMB (712,081) million in the same period of 2023[31]. - The cash and cash equivalents increased by RMB 460,326 million for the nine months ended September 30, 2024, compared to a decrease of RMB (302,536) million in the same period of 2023[32].

Dividends and Shareholder Proposals - The board of directors proposed a mid-term cash dividend of RMB 0.197 per share (tax included) for the year 2024[1]. - The company has approved a cash dividend of RMB 0.400 per share for the fiscal year 2023, totaling approximately RMB 100.004 billion[182]. - The board has proposed an interim cash dividend of RMB 0.197 per share for 2024, amounting to about RMB 49.252 billion, representing 29.97% of the net profit attributable to shareholders for the first half of 2024[182]. - The company emphasizes a cash dividend distribution of no less than 10% of the net profit attributable to shareholders in the current year, provided there are profits and retained earnings[183]. Financial Performance - Operating income for the six months ended June 30, 2024, was RMB 374,831 million, a decrease of 3.43% compared to RMB 388,155 million for the same period in 2023[5]. - Net profit attributable to shareholders was RMB 164,326 million, down 1.80% from RMB 167,344 million in the previous year[5]. - The net cash flow from operating activities significantly decreased by 64.30% to RMB 290,805 million compared to RMB 814,615 million in the same period last year[5]. - The net profit for the first half of 2024 was RMB 165.04 billion, a decrease of 1.35% compared to the same period last year[25]. - The pre-tax profit for the first half of 2024 was RMB 193.01 billion, down 2.3% from RMB 197.26 billion in the first half of 2023[46]. Risk Management - The company is actively managing various risks, including credit risk, market risk, operational risk, liquidity risk, reputation risk, country risk, information technology risk, and strategic risk[1]. - The company has implemented measures to effectively manage the identified risks, as detailed in the "Management Discussion and Analysis - Risk Management" section[1]. - The report includes forward-looking statements based on current plans and estimates, emphasizing the importance of risk awareness among investors[1]. - The company is committed to ensuring the accuracy and completeness of the financial report, with assurances from senior management[1]. - The bank has strengthened its credit risk management capabilities, focusing on key sectors such as manufacturing, rural revitalization, and green finance[127]. - The bank has implemented a comprehensive risk management system to ensure asset quality remains stable[126]. Asset and Liability Management - Total assets as of June 30, 2024, reached RMB 40,294,387 million, an increase of 5.14% from RMB 38,324,826 million at the end of 2023[15]. - The total liabilities amounted to RMB 37.04 trillion, reflecting a growth of 5.37% year-on-year[24]. - The total equity of the group reached RMB 3.26 trillion, an increase of RMB 83.40 billion or 2.63% compared to the end of 2023, primarily due to an increase in undistributed profits by RMB 64.10 billion[66]. - The leverage ratio is 7.65% as of June 30, 2024, slightly down from 7.83% at the end of 2023[168]. - The liquidity coverage ratio averaged 125.43% in Q2 2024, while the net stable funding ratio was 134.99% at the end of June 2024, both meeting regulatory requirements[157]. Loan and Advance Management - The loan and advance net amount was RMB 24.63 trillion, with a growth rate of 6.70%[24]. - The total amount of loans and advances was RMB 25.44 trillion, up RMB 1.58 trillion or 6.63% from RMB 23.86 trillion at the end of 2023[48]. - The non-performing loan ratio improved slightly to 1.35% from 1.37% at the end of 2023[15]. - The total amount of restructured loans and advances as of June 30, 2024, was RMB 92,723 million, representing 0.37% of total loans, an increase of RMB 38,899 million from the end of 2023[135]. Digital Transformation and Technology - The bank's digital financial services are being enhanced with the launch of the 2024 version of the mobile banking app, focusing on core functionalities and user experience[74]. - The bank is focusing on enhancing digital capabilities and optimizing service systems to support diverse consumer financing needs[81]. - The group has completed the decentralized transformation of its domestic core systems, with over 99.6% of core business volume supported by decentralized systems[118]. - The efficiency of marketing data analysis decision-making has improved from 4 hours to 20 seconds due to the implementation of a big data platform[117]. Corporate Governance and Management - The bank's board consists of 12 members, including 3 executive directors and 5 independent non-executive directors[172]. - The bank's supervisory board has 5 members, including 1 shareholder representative and 1 employee representative[173]. - The bank's management team includes 8 senior executives, with Zhang Yi appointed as the president from May 2024[175]. - The total number of employees in the group is 372,081, with 349,402 being bank employees and 22,679 from subsidiaries[178]. Environmental, Social, and Governance (ESG) Initiatives - The company has established 293 green branches as of June 2024, promoting green operations and low-carbon banking[184]. - The group has established a comprehensive ESG risk management system, integrating ESG risk management into the entire investment and credit process[161]. - The bank participated in underwriting 37 domestic and foreign green and sustainable development bonds, with a total issuance scale of approximately RMB 594.94 billion[73]. Market and Economic Conditions - The total financing scale and broad money (M2) increased by 8.1% and 6.2% respectively as of June 2024[24]. - The bank's credit impairment losses totaled RMB 87.65 billion, a decrease of 8.13% compared to the previous year[25]. - The bank's interest income from loans contributed 69.90% of total interest income[32]. Customer Engagement and Services - The number of personal customers reached 762 million, with managed personal financial assets exceeding CNY 19.74 trillion[80]. - The number of acquiring merchants reached 5.84 million, an increase of 242,100 compared to the end of the previous year[82]. - The bank's cumulative savings in operational hours from process optimizations amounted to 279,800 hours in the first half of the year[121].

Financial Performance - Operating income for the six months ended June 30, 2024, was RMB 374,831 million, a decrease of 3.43% compared to RMB 388,155 million for the same period in 2023[7]. - Net interest income decreased by 5.17% to RMB 296,059 million from RMB 312,185 million year-over-year[7]. - Net profit attributable to shareholders was RMB 164,326 million, down 1.80% from RMB 167,344 million in the previous year[7]. - The net cash flow from operating activities was RMB 290,805 million, a significant decline of 64.30% compared to RMB 814,615 million in the same period last year[7]. - The net profit for the first half of 2024 was RMB 165.04 billion, a decrease of 1.35% compared to the same period last year[12]. - The total amount of loans and advances reached RMB 24.63 trillion, increasing by 6.70% year-on-year[11]. - The total amount of loans and advances issued was RMB 2,482.46 billion, with an annualized average yield of 3.55%, down from 3.94% in the previous year[20]. Asset and Liability Management - Total assets as of June 30, 2024, reached RMB 40,294,387 million, reflecting a 5.14% increase from RMB 38,324,826 million at the end of 2023[8]. - The total liabilities increased by 5.37% to RMB 37,038,911 million from RMB 35,152,752 million[8]. - The capital adequacy ratio increased to 19.25%, up from 17.95% at the end of 2023, indicating a stronger capital position[8]. - The total financial assets measured at amortized cost were RMB 6,961,515 million, representing 70.15% of total financial investments[44]. - The total deposits absorbed by the group reached 28.71 trillion RMB, up by 1.05 trillion RMB or 3.81% from the end of the previous year[53]. Risk Management - The bank's major risks include credit risk, market risk, operational risk, liquidity risk, reputation risk, country risk, information technology risk, and strategic risk[2]. - The non-performing loan ratio improved slightly to 1.35% from 1.37% in the previous period[8]. - The non-performing loan (NPL) coverage ratio stood at 238.75%, with a loan loss provision ratio of 3.22% as of June 30, 2024[41]. - The company has enhanced its credit risk management capabilities by optimizing the credit structure and increasing financial support for key sectors such as manufacturing and rural revitalization[130]. - The company reported a steady increase in the amount of non-performing loans, which rose by RMB 17,648 million compared to the end of the previous year[132]. Dividend and Shareholder Information - The board proposed a mid-year cash dividend of RMB 0.197 per share (tax included) for the year 2024[2]. - The company has declared a cash dividend of RMB 0.400 per share for the fiscal year 2023, totaling approximately RMB 100.004 billion[183]. - The board has proposed an interim cash dividend of RMB 0.197 per share for the fiscal year 2024, amounting to about RMB 49.252 billion, representing 29.97% of the net profit attributable to shareholders for the first half of 2024[183]. - As of June 30, 2024, the total number of shares outstanding is 250,010,977,486, with 58.07% being other shares, 38.09% foreign-listed shares, and 3.84% RMB ordinary shares[194]. Business Development and Strategy - The bank's business review covers various sectors, including corporate finance, personal finance, asset management, and overseas commercial banking[3]. - The outlook section will discuss future strategies and market expansion plans[3]. - The company aims to maintain stable credit growth to meet the reasonable financing needs of the real economy[172]. - Focus will be on enhancing operational quality through five major actions, including maintaining a leading position in personal housing loans[173]. - The company plans to strengthen risk compliance management and enhance proactive control over asset quality[173]. Employee and Corporate Governance - The total number of employees as of June 30, 2024, is 372,081, with 349,402 being bank employees and 22,679 from subsidiaries[180]. - The bank's board consists of 12 directors, including 3 executive directors, 4 non-executive directors, and 5 independent non-executive directors[175]. - The bank held its annual general meeting on June 27, 2024, where key resolutions regarding financial reports and profit distribution were approved[174]. - The bank's supervisory board has 5 members, including 1 shareholder representative and 1 employee representative[176]. Technology and Digital Transformation - The company has achieved a distributed core system transformation, with over 99.6% of core business volume supported by the distributed system as of June 30, 2024[117]. - The company has accumulated 2,679 financial technology patents, an increase of 511 patents compared to the end of the previous year, including 1,643 invention patents[117]. - The company has enhanced its digital infrastructure, focusing on AI applications and risk management, ensuring stable operation of information systems[116]. - The mobile banking app has 414 million asset customers, a year-on-year increase of 1.04%, with active customers holding over 100,000 yuan growing by 10.59% compared to the same period last year[123]. Environmental and Social Responsibility - The company aims to enhance its green operational capabilities through various initiatives, including energy management and waste management optimization[185]. - The "Shanrong Business" initiative generated a transaction volume of RMB 297 million in the first half of the year, supporting rural revitalization efforts[185]. - The company established over 3,400 "Yunong Schools" to provide financial knowledge and agricultural technology training for farmers[82]. - The company is committed to enhancing its green operational capabilities through various initiatives, including energy management and waste management optimization[185].

Financial Performance - For the first quarter of 2024, the operating income was RMB 195,284 million, a decrease of 2.82% compared to RMB 200,948 million in the same period of 2023[4] - The net profit for the first quarter of 2024 was RMB 86,907 million, down 2.51% from RMB 89,147 million year-on-year[4] - The annualized weighted average return on equity for the first quarter of 2024 was 11.59%, a decline of 1.27 percentage points from 12.86% in the previous quarter[4] - Total comprehensive income for the three months ended March 31, 2024, was RMB 90,424 million, an increase from RMB 87,496 million in the same period of 2023, representing a growth of 2.1%[26] - Net profit attributable to shareholders for the same period was RMB 86,817 million, compared to RMB 88,743 million in 2023, indicating a decrease of 1.0%[26] - Basic and diluted earnings per share remained stable at RMB 0.35 for both periods[26] Cash Flow - The net cash flow from operating activities decreased significantly by 43.54%, from RMB 370,787 million to RMB 209,335 million, primarily due to a substantial reduction in net increase of deposits[5] - Net cash flow from operating activities for the three months ended March 31, 2024, was RMB 209,335 million, down from RMB 370,787 million in the same period of 2023, a decline of 43.4%[32] - Cash inflow from investment recoveries increased to RMB 523,583 million, up from RMB 280,397 million year-over-year, representing an increase of 86.7%[33] - Cash received from investment income rose to RMB 69,528 million, compared to RMB 55,436 million in the previous year, marking a growth of 25.5%[33] - Cash flow from financing activities generated a net inflow of RMB 38,576 million, up from RMB 19,322 million in the same period last year, reflecting a growth of 99.5%[33] Assets and Liabilities - Total assets as of March 31, 2024, reached RMB 39,729,281 million, reflecting a 3.66% increase from RMB 38,324,826 million at the end of 2023[4] - Total liabilities increased to RMB 36.47 trillion, rising by RMB 1.31 trillion or 3.74% compared to the previous year-end[17] - Total deposits absorbed reached RMB 29.37 trillion, an increase of RMB 1.71 trillion or 6.19% year-over-year[17] - The bank's total equity attributable to shareholders increased to RMB 3,242,148 million as of March 31, 2024, from RMB 3,150,145 million at the end of 2023, an increase of 2.9%[29] Loan and Deposit Growth - In Q1 2024, the total amount of loans and advances increased by CNY 1.17 trillion compared to the end of the previous year, with financial investments rising by CNY 247.15 billion[11] - The total deposits increased by CNY 1.71 trillion, providing strong support for stable growth of core assets[11] - Total loans and advances reached RMB 25.03 trillion, up RMB 1.17 trillion or 4.90% year-over-year[16] - The balance of green loans reached CNY 4.45 trillion, growing by 14.56% compared to the end of the previous year[12] - The balance of inclusive finance loans was CNY 3.28 trillion, an increase of CNY 234.90 billion from the end of the previous year, with 3.41 million inclusive finance loan customers added[13] Asset Quality - The non-performing loan ratio stood at 1.36%, a decrease of 0.01 percentage points from the end of the previous year, indicating stable asset quality[11] - Non-performing loans stood at RMB 339.33 billion, with a non-performing loan ratio of 1.36%, a decrease of 0.01 percentage points from the end of the previous year[16] - The bank reported a decrease in credit impairment losses to RMB 48,157 million for the three months ended March 31, 2024, compared to RMB 51,577 million in the same period of 2023, a reduction of 6.9%[31] Shareholder Information - As of March 31, 2024, the total number of ordinary shareholders was 306,551, with 38,449 holding H shares and 268,102 holding A shares[6] - The largest shareholder, Central Huijin Investment Ltd., held 57.03% of H shares and 0.11% of A shares as of March 31, 2024[7] Capital and Investments - The capital adequacy ratio as of March 31, 2024, was 19.34%, with a Tier 1 capital ratio of 15.04%[19] - In January 2024, the company completed the equity transfer of China Construction Bank (Brazil) Co., Ltd., holding 31.66% of its shares[21] - In February 2024, the company issued RMB 50 billion in secondary capital bonds[21] Digital and Customer Engagement - The number of registered users for the "Yunong Tong" app reached 15.13 million, an increase of 1.46 million from the end of the previous year[13] - The online personal user base reached 547 million, with 414 million asset-holding personal customers in the mobile banking app[14] - The bank actively supports the construction of affordable housing, becoming the first commercial bank to sign a cooperation agreement for providing personal housing loan services for affordable housing[14]

Dividend and Financial Performance - The board of directors proposed a cash dividend of RMB 0.400 per share for the fiscal year 2023[1]. - Operating income for 2023 was RMB 745,615 million, a decrease of 1.57% from RMB 757,510 million in 2022[23]. - Net profit attributable to shareholders increased by 2.44% to RMB 332,653 million from RMB 324,727 million in 2022[23]. - The bank's dividend per share for the reporting period was RMB 0.400, an increase of 2.83% from RMB 0.389 in 2022[23]. - The net profit for 2023 was RMB 332.46 billion, reflecting a growth of 2.34% compared to the previous year[33]. Risk Management - The company faces major risks including credit risk, market risk, operational risk, liquidity risk, reputation risk, country risk, information technology risk, and strategic risk[1]. - The company is actively taking measures to manage the aforementioned risks effectively[1]. - The bank's risk management approach is characterized by prudence and proactivity, ensuring stability in its operations[11]. Strategic Initiatives - The company is focusing on new financial actions and expanding its financial services ecosystem[2]. - The report outlines various strategic initiatives, including the development of new financial products and services aimed at enhancing customer experience[4]. - The bank aims to maximize value for stakeholders, including customers, shareholders, employees, and society, contributing to the construction of a financial strong nation[8]. - The bank plans to focus on technology finance, green finance, and inclusive finance as part of its strategic initiatives for 2024[30]. Customer Base and Services - The bank serves 757 million individual customers and 10.82 million corporate clients, with a total of 376,871 employees and 14,895 operating institutions[8]. - The cumulative increase in customer base since the end of 2017 exceeded 150 million[17]. - The number of registered users for the "CCB Life" app reached 128 million[21]. - The number of financial transaction customers for the "Twin Stars" program reached 178 million[21]. Financial Assets and Loans - Total assets reached RMB 38,324,826 million, reflecting a growth of 10.76% compared to RMB 34,600,711 million in 2022[23]. - The loan and advance net amount was RMB 23.08 trillion, up 12.64%[26]. - The balance of inclusive finance loans exceeded RMB 3 trillion, maintaining the largest market supply position[27]. - The balance of green loans reached RMB 3.88 trillion, increasing by over 3 percentage points year-on-year[27]. Income and Expenses - Net interest income decreased by 4.11% to RMB 617,233 million from RMB 643,669 million in 2022[23]. - The total interest income for 2023 was RMB 1.25 trillion, an increase of RMB 76.79 billion or 6.56% year-on-year, with loan interest income contributing 70.38%[39]. - The total operating expenses amounted to RMB 220.15 billion, a slight increase of 0.07% compared to the previous year[49]. - Employee costs rose to RMB 128.02 billion, reflecting a 2.29% increase, primarily due to enhanced support for grassroots employees[49]. Technology and Innovation - The company invested over 1,200 billion RMB in financial technology over six years, with the number of financial technology personnel increasing from 6,983 to 16,331[93]. - The bank's financial technology investment reached RMB 25.024 billion, with a workforce of 16,331 dedicated to fintech[118]. - The AI platform has been invoked 43.3 billion times, significantly enhancing the platform's engineering and productization capabilities, and won the "Best AI Application" award from The Asian Banker in 2023[120]. Environmental, Social, and Governance (ESG) - The bank's ESG rating improved to AA level according to MSCI[20]. - The bank is committed to enhancing green finance, aiming to increase the proportion of green financing in its overall financing structure[88]. - The balance of green loans reached RMB 3.88 trillion at the end of 2023, an increase of RMB 1.13 trillion, representing a growth of 41.19% compared to the previous year[112]. International Presence - The bank has nearly 200 overseas institutions covering 31 countries and regions, indicating a strong international presence[8]. - The overseas commercial banking business achieved a net profit of 7.742 billion yuan in 2023, with overall asset scale steadily growing[170]. Awards and Recognition - The bank's retail business has been recognized with three awards from The Asian Banker for being the best retail bank in Asia-Pacific, China, and large retail banks in China[145]. - The bank's financial advisory services have shown significant results, contributing to its recognition as the "Best Investment Bank" in the China region by Global Finance[133].

Financial Performance - Operating income for 2023 was RMB 745,615 million, a decrease of 1.57% from RMB 757,510 million in 2022[24] - Net interest income for 2023 was RMB 617,233 million, down 4.11% from RMB 643,669 million in 2022[24] - Net profit attributable to shareholders for 2023 was RMB 332,653 million, an increase of 2.44% compared to RMB 324,727 million in 2022[24] - Total assets as of December 31, 2023, reached RMB 38,324,826 million, reflecting a growth of 10.76% from RMB 34,600,711 million in 2022[24] - The non-performing loan ratio improved to 1.37% in 2023, compared to 1.38% in 2022[25] - The capital adequacy ratio for 2023 was 17.95%, a slight decrease from 18.42% in 2022[25] - The net cash flow from operating activities for 2023 was RMB 642,850 million, a significant decline of 34.30% from RMB 978,419 million in 2022[24] - The bank's core tier 1 capital ratio was 13.15% in 2023, down from 13.69% in 2022[25] - The total financial assets managed for individual customers exceeded CNY 18.50 trillion, with retail business profit contribution accounting for 50%[19] - The total amount of loans and advances reached RMB 23.08 trillion, up 12.64%[27] Risk Management - The company is actively managing various risks, including credit risk, market risk, operational risk, liquidity risk, reputation risk, country risk, information technology risk, and strategic risk[2] - The company is enhancing its risk management framework, including climate risk stress testing tailored to local conditions[5] - The bank's non-performing loan ratio remained stable, with a total loan loss provision of RMB 778.22 billion as of December 31, 2023[64] - The group utilized a forward-looking approach in estimating expected credit losses, incorporating various economic scenarios[65] Technological Advancements - The company is focusing on technological advancements with initiatives like the "方舟計劃" aimed at developing financial models and applications[5] - The group has developed 1,380 reusable capabilities, increasing by 681 from the previous year, covering 258 scenario platforms[123] - The AI platform has been invoked 43.3 billion times, significantly enhancing the platform's engineering and productization capabilities, and won the "Best AI Application" award from The Asian Banker in 2023[121] - The group processed a peak of over 1 trillion data entries daily, supporting applications like precision marketing and fraud prevention[121] Market Position and Strategy - China Construction Bank's market capitalization at the end of 2023 was approximately $151.857 billion, ranking 8th among global listed banks[9] - The bank serves 757 million individual customers and 10.82 million corporate clients, with a total of 376,871 employees and 14,895 operating institutions[9] - The bank is focusing on three major strategies: housing leasing, inclusive finance, and financial technology, to drive high-quality development[9] - The bank aims to maximize value for stakeholders, including customers, shareholders, employees, and society, contributing to the construction of a financial strong nation[9] Sustainable Development and Green Finance - The company emphasizes the importance of green finance and has several initiatives to promote sustainable development[6] - The balance of green loans reached RMB 3.88 trillion at the end of 2023, an increase of RMB 1.13 trillion, representing a growth of 41.19% compared to the previous year[112] - The investment balance of RMB green bonds grew by 70.15% year-on-year, while foreign currency green bonds increased by 117.32%[112] - The company supported the "vegetable basket" distribution center project in the Guangdong-Hong Kong-Macao Greater Bay Area with a credit line of RMB 200 million, benefiting over 8,000 unemployed fishermen and new citizens[110] Customer Engagement and Services - The number of registered users for the "CCB Life" app reached 128 million, enhancing customer engagement[22] - The "CCB Jianrong Home" platform has over 51 million individual users, with 287 long-term rental communities in operation[98] - The bank's digital housing finance platform aims to improve efficiency in processing housing loans, significantly reducing manual verification and data entry[151] - The bank's personal banking business achieved operating income of RMB 363.59 billion, making up 48.76% of total operating income, and a pre-tax profit of RMB 194.90 billion, which is 50.05% of total pre-tax profit[87] Awards and Recognition - The bank received multiple awards, including the 2023 Best Retail Bank in China from The Asian Banker[15] - The bank's ESG rating improved to AA level according to MSCI[21] - The bank ranked 2nd in the 2023 Global Bank 1000 list by The Banker and 29th in the Fortune Global 500 list[15] Financial Technology Investment - The company invested over 120 billion yuan in financial technology over the past six years, increasing the number of financial technology personnel from 6,983 to 16,331[94] - Financial technology investment reached 25.024 billion yuan, accounting for 3.36% of operating income, showing steady growth[122] - The group has established a comprehensive service platform that covers all operational scenarios for customers, enhancing service efficiency[92] Inclusive Finance - The balance of inclusive finance loans exceeded RMB 3 trillion, maintaining the largest market supply position[28] - The cumulative support from the "Xiaokang Quick Loan" model provided loans totaling 12.80 trillion yuan to 4.72 million inclusive finance customers by the end of 2023[92] - The number of inclusive finance loan customers increased by 647,400 to 3.17 million[102] - The average interest rate for newly issued inclusive small and micro enterprise loans was 3.75%, a decrease of 0.25 percentage points from the previous year[102]