Financial Performance - For the third quarter of 2023, the operating income was RMB 182,471 million, a decrease of 2.14% compared to RMB 186,465 million in the same period of 2022[4] - Net profit for the third quarter was RMB 88,145 million, representing an increase of 3.21% from RMB 85,407 million year-on-year[4] - The net profit attributable to shareholders was RMB 88,110 million, up 2.63% from RMB 85,850 million in the previous year[4] - Net profit for the nine months ended September 30, 2023, was RMB 255.44 billion, representing a growth of 3.15% compared to the same period last year[18] - Net profit attributable to shareholders for the nine months ended September 30, 2023, was RMB 255,454 million, an increase from RMB 247,749 million in 2022, reflecting a growth of 3.4%[24] - Total comprehensive income for the nine months ended September 30, 2023, was RMB 258,124 million, compared to RMB 252,271 million for the same period in 2022, representing a growth of 2.9%[24] Assets and Liabilities - Total assets as of September 30, 2023, reached RMB 37,845,287 million, an increase of 9.38% from RMB 34,600,711 million at the end of 2022[5] - Total liabilities reached RMB 34.75 trillion, an increase of RMB 3.02 trillion, or 9.53% compared to the end of the previous year[17] - Total deposits amounted to RMB 27.87 trillion, up by RMB 2.85 trillion, or 11.39% year-over-year[17] - The bank's total equity reached RMB 3.10 trillion, an increase of RMB 220.88 billion, or 7.68% from the end of the previous year[18] - The bank's total equity attributable to shareholders increased to RMB 3,076,304 million as of September 30, 2023, compared to RMB 2,855,450 million as of December 31, 2022, reflecting an increase of 7.7%[27] Loans and Advances - The total amount of loans and advances issued by the group was RMB 23.66 trillion, up RMB 2.46 trillion or 11.61% from the end of the previous year[16] - The balance of housing rental loans was RMB 3,172.45 billion, an increase of RMB 750.53 billion compared to the end of the previous year, supporting over 1,600 housing rental enterprises[13] - The balance of inclusive finance loans reached RMB 2.99 trillion, an increase of RMB 639.70 billion, with 3.1 million inclusive finance loan customers[13] - The balance of agricultural loans was RMB 3.77 trillion, an increase of RMB 769.82 billion compared to the end of the previous year[14] - The balance of green loans was RMB 3.65 trillion, an increase of RMB 903.88 billion compared to the end of the previous year[14] - Loans and advances to customers increased to RMB 22,875,344 million as of September 30, 2023, compared to RMB 20,493,042 million as of December 31, 2022, marking an increase of 11.6%[25] Cash Flow - Cash flow from operating activities for the nine months ended September 30, 2023, was RMB 477,206 million, a significant decrease of 42.11% from RMB 824,265 million in the same period last year[6] - For the nine months ended September 30, 2023, the net cash flow from operating activities was RMB 477,206 million, a decrease of 42% compared to RMB 824,265 million for the same period in 2022[30] - The bank's cash and deposits with central banks decreased to RMB 2,994,874 million from RMB 3,159,296 million, a decline of 5.2%[25] - The cash and cash equivalents as of September 30, 2023, were RMB 841,116 million, a decrease from RMB 1,108,805 million at the end of the previous year, indicating a decline of 24.1%[32] Capital and Ratios - The annualized weighted average return on equity decreased by 0.95 percentage points to 12.24% as of September 30, 2023, compared to 13.19% in the same period of 2022[4] - The capital adequacy ratio was reported at 17.57%, with a Tier 1 capital ratio of 13.82% and a core Tier 1 capital ratio of 12.92%, all meeting regulatory requirements[18] - The group's tier 1 capital adequacy ratio is 13.82% as of September 30, 2023, down from 14.40% in December 2022[35] - The group's total capital adequacy ratio stands at 17.57% as of September 30, 2023, compared to 18.42% in December 2022[35] - The leverage ratio for the group is 7.73% as of September 30, 2023, exceeding the regulatory requirement of 4%[36] - The liquidity coverage ratio is 128.89% for the third quarter of 2023, a decrease of 18.07 percentage points from the second quarter of 2023[38] Shareholder Information - The total number of ordinary shareholders as of September 30, 2023, was 326,034, with H-share shareholders numbering 38,720 and A-share shareholders 287,314[7] - Central Huijin Investment Ltd. increased its A-share holdings by 18,379,960 shares, raising its ownership percentage from 57.11% to 57.12%[9] - The bank plans to distribute a total of RMB 21.42 billion in dividends for the domestic preferred shares on December 26, 2023[19] Other Financial Metrics - Basic and diluted earnings per share for the third quarter were RMB 0.35, an increase of 2.94% from RMB 0.34 in the previous year[4] - Basic and diluted earnings per share for the nine months ended September 30, 2023, was RMB 1.02, up from RMB 0.99 in the same period of 2022[24] - The net fee and commission income was RMB 94.91 billion, showing a slight increase of 0.04% year-over-year[18] - Impairment losses decreased by RMB 171.64 billion year-over-year to RMB 1,244.13 billion, with credit impairment losses at RMB 1,244.49 billion[18] - The bank reported a net income of RMB 124,449 million for the nine months ended September 30, 2023, down from RMB 141,521 million in the same period of 2022, representing a decrease of 12.1%[30]

Dividends and Shareholder Returns - The company distributed a cash dividend of RMB 0.389 per share to A-share shareholders, totaling approximately RMB 37.32 billion, and to H-share shareholders, totaling approximately RMB 935.22 billion for the 2022 fiscal year[1]. - The company did not declare an interim dividend for 2023 and will not convert reserves into share capital[1]. - The bank distributed a cash dividend of RMB 0.389 per share for the 2022 fiscal year, totaling approximately RMB 97.254 billion[183]. Financial Performance - Operating income for the first half of 2023 was RMB 388,155 million, a decrease of 0.44% compared to RMB 389,877 million in the same period of 2022[7]. - Net profit attributable to shareholders was RMB 167,344 million, reflecting a growth of 3.36% compared to RMB 161,899 million in the previous year[7]. - The net profit for the first half of 2023 was RMB 167.30 billion, reflecting a growth of 3.12% compared to the same period last year[13]. - The bank's net profit margin was 1.60%, down from 1.90% in the previous year[7]. - Pre-tax profit for the first half of 2023 was RMB 197.264 billion, slightly up from RMB 192.884 billion in the same period last year[33]. Risk Management - The company faces various risks including credit risk, market risk, operational risk, liquidity risk, reputation risk, country risk, information technology risk, and strategic risk, and is actively managing these risks[1]. - The group employs a three-stage risk assessment model for credit risk, considering various factors including debtor credit ratings and macroeconomic conditions[41]. - The expected credit loss measurement incorporates forward-looking information and scenario assumptions from both domestic and international authoritative institutions[41]. - The bank has strengthened its risk management system, maintaining stable asset quality with core indicators operating smoothly[123]. Asset and Liability Management - Total assets increased by 10.56% to RMB 38,254,706 million from RMB 34,600,711 million at the end of 2022[8]. - The bank's total liabilities rose by 11.27% to RMB 35,298,478 million compared to RMB 31,724,467 million at the end of 2022[8]. - Customer deposits reached RMB 27.63 trillion, up RMB 2.61 trillion or 10.42% year-over-year[49]. - The liquidity ratio for RMB as of June 30, 2023, is 65.88%, exceeding the standard value of 25%[150]. Capital Adequacy - The bank's capital adequacy ratio stood at 17.40%, indicating strong risk absorption capacity[12]. - The group's capital adequacy ratio as of June 30, 2023, is 17.40%, with a Tier 1 capital ratio of 13.39% and a core Tier 1 capital ratio of 12.75%, all meeting regulatory requirements[164]. - Risk-weighted assets totaled RMB 21.875 trillion as of June 30, 2023, an increase from RMB 19.768 trillion at the end of 2022[167]. Loan and Advance Performance - Total loans and advances amounted to RMB 22.44 trillion, with an annualized average yield of 3.94%, down 29 basis points year-on-year[20]. - The total amount of loans and advances issued by the group reached RMB 23.13 trillion, an increase of RMB 1.94 trillion or 9.13% compared to the end of 2022[36]. - The NPL ratio for corporate loans and advances was 1.88% as of June 30, 2023, down from 2.08% at the end of 2022[130]. Non-Interest Income - Non-interest income for the first half of 2023 was RMB 75.97 billion, an increase of RMB 3.76 billion or 5.21% compared to the same period last year, accounting for 19.57% of operating income[25]. - Net commission income was RMB 70.60 billion, up by RMB 0.35 billion or 0.50% year-on-year, with a ratio of 18.19% to operating income, an increase of 0.17 percentage points[26]. Digital Transformation and Innovation - The company is enhancing its digital operations and technology capabilities, including the launch of the "CCB Cloud" brand to improve AI and cloud computing capabilities[58]. - The bank's mobile banking sales of wealth management products reached 141.886 billion yuan and fund sales totaled 17.221 billion yuan, driven by customer benefits[116]. - The "CCB Life" platform has accumulated 113 million registered users and 3 million daily active users, with 36,000 online merchant stores and 2,166 smart canteens serving over 1 million diners[118]. Employee and Community Engagement - The total number of employees is 371,645, a decrease from 376,682 as of December 31, 2022, representing a reduction of approximately 1.0%[180]. - The bank invested RMB 580 million in poverty alleviation efforts in specific regions, with an additional RMB 709 million in repayable assistance funds[186]. - The bank has established 2,342 "Yunong Study Halls" in rural areas, benefiting 4.42 million people through various training programs[186]. Shareholder Information - As of June 30, 2023, the total number of ordinary shareholders is 334,786, with 295,799 A-share shareholders and 38,987 H-share shareholders[197]. - The total number of ordinary shares is 250,010,977,486, with 9,593,657,606 A-shares (3.84%) and 95,231,418,499 H-shares (38.09%)[196]. - Huijin Company holds 57.03% of the total ordinary shares, equivalent to 142,590,494,651 H-shares and 195,941,976 A-shares[198].

Dividends and Shareholder Information - China Construction Bank reported a cash dividend of RMB 0.389 per share for A-shares, totaling approximately RMB 3.732 billion, and for H-shares, totaling approximately RMB 9.352 billion[2]. - The bank did not declare an interim dividend for 2023 and will not conduct a capital reserve transfer to increase share capital[2]. - The company distributed a cash dividend of RMB 0.389 per share, totaling approximately RMB 97.25 billion for the 2022 fiscal year[183]. - As of June 30, 2023, the total number of ordinary shareholders is 334,786, with 295,799 A-share shareholders and 38,987 H-share shareholders[194]. - The total number of ordinary shares is 250,010,977,486, with 9,593,657,606 A-shares (3.84%) and 95,231,418,499 H-shares (38.09%)[193]. - The largest shareholder, Huijin Company, holds 57.03% of H-shares (142,590,494,651 shares) and 0.08% of A-shares (195,941,976 shares)[195]. - The top 10 shareholders collectively hold significant stakes, with Huijin Company and Hong Kong Central Clearing Limited being the most prominent[195]. - No changes occurred in the controlling shareholder or actual controller during the reporting period[197]. - The shareholding of directors and supervisors remained unchanged, with specific holdings disclosed for individuals[199]. - The report indicates that all shares held by major shareholders are unrestricted shares[196]. - The total number of H-shares held by the National Grid is 1,611,413,730, while Yangtze Power and Baowu Steel Group hold 648,993,000 and 335,000,000 H-shares, respectively[195]. - The report highlights that Huijin Company directly holds 692,581,776 A-shares, representing 7.22% of the issued A-shares[198]. - The report confirms that there are no pledges, markings, or freezing conditions on the shares held by the major shareholders, except for those under Hong Kong Central Clearing Limited[196]. - The total number of preferred shareholders at the end of the reporting period is 25, all of whom are domestic preferred shareholders[200]. - The largest preferred shareholder, Huabao Trust Co., Ltd., holds 14.36% of the shares, totaling 86,140,000 shares[200]. Financial Performance - Operating income for the six months ended June 30, 2023, was RMB 388,155 million, a decrease of 0.44% compared to RMB 389,877 million for the same period in 2022[7]. - Net interest income decreased by 1.73% to RMB 312,185 million from RMB 317,669 million year-on-year[7]. - Net profit for the period increased by 3.12% to RMB 167,295 million, compared to RMB 162,234 million in the previous year[7]. - The net profit attributable to shareholders was RMB 167,344 million, reflecting a growth of 3.36% from RMB 161,899 million in the prior year[7]. - Basic and diluted earnings per share rose to RMB 0.67, up 3.08% from RMB 0.65 in the same period last year[7]. - The annualized return on average assets decreased to 0.92% from 1.01% year-on-year[7]. - The annualized weighted average return on equity was 11.95%, down from 12.62% in the previous year[7]. - The net interest margin decreased to 1.60% from 1.90% year-on-year[7]. - The cost-to-income ratio increased to 23.72% from 23.18% in the previous year[7]. - Credit impairment losses decreased by 7.63% to RMB 95,414 million compared to RMB 103,294 million in the same period last year[7]. - The group achieved a pre-tax profit of RMB 197.26 billion, an increase of 2.27% compared to the same period last year[12]. - Net profit reached RMB 167.30 billion, reflecting a growth of 3.12% year-on-year[12]. - Non-interest income increased to RMB 75.97 billion, up by 5.21% year-on-year, with net fee and commission income rising by 0.50%[13]. - Operating expenses grew by 2.07% year-on-year, totaling RMB 95.99 billion, maintaining a cost-to-income ratio of 23.72%[12]. - The total operating income for the first half was RMB 388.155 billion, slightly down from RMB 389.877 billion in the same period last year[32]. Risk Management - The bank faces various risks including credit risk, market risk, operational risk, liquidity risk, reputation risk, country risk, information technology risk, and strategic risk, and is actively managing these risks[2]. - The bank's management emphasizes the importance of understanding the difference between plans, forecasts, and commitments in their forward-looking statements[2]. - The bank's financial performance and business development are subject to ongoing reviews and analyses, with a focus on risk management strategies[2]. - The bank is advancing its risk management framework, focusing on the implementation of Basel III standards and enhancing integrated risk control mechanisms[129]. - The company has implemented a unified credit risk management policy, enhancing risk monitoring and management capabilities through big data tools and intelligent platforms[130]. - The company has optimized its credit approval management mechanism, improving decision-making professionalism and authority through the introduction of dedicated loan approval personnel[130]. - The company has strengthened asset preservation operations, focusing on effective management and timely disposal of non-performing assets to support strategic advancement and structural adjustment[130]. - The company is enhancing its reputation risk management system, focusing on source management and monitoring potential public sentiment[158]. - The company is actively developing intelligent country risk management tools and conducting country risk assessments to optimize its management system[159]. - The company is implementing a comprehensive model risk management mechanism, emphasizing the management of external models and enhancing online management of model life cycles[162][163]. - The company is strengthening its anti-money laundering management framework and enhancing its risk assessment system[163]. - The company is improving its internal audit mechanisms to cover various business sectors, promoting risk control and operational improvement[165]. Asset and Liability Management - As of June 30, 2023, total assets reached RMB 38,254.71 million, an increase of 10.56% compared to December 31, 2022[8]. - Total liabilities were RMB 35,298.48 million, up 11.27% from the previous period[8]. - Customer deposits increased to RMB 27,628.47 million, marking a 10.42% rise[8]. - The capital adequacy ratio was reported at 17.40%, ensuring sufficient risk absorption capacity[11]. - The bank's core tier 1 capital adequacy ratio was 12.75%, reflecting a stable capital position[8]. - The leverage ratio stands at 7.30% as of June 30, 2023, exceeding the regulatory minimum of 4%[172]. - The total amount of loans and advances issued was RMB 23,078,117 million, with a non-performing loan (NPL) balance of RMB 316,636 million, resulting in an NPL ratio of 1.37%[132]. - The total amount of normal loans was RMB 22,184,703 million, accounting for 96.13% of total loans, while the amount of loans under special attention was 576,778 million, representing 2.50%[131]. - The company reported an increase in NPL balance by RMB 238.11 million compared to the end of the previous year, while the NPL ratio decreased by 0.01 percentage points[132]. - The company’s corporate loans and advances amounted to RMB 12,984,030 million, with an NPL amount of RMB 243,532 million, resulting in an NPL ratio of 1.88%[132]. - The company’s overseas and subsidiary loans totaled RMB 886,944 million, with an NPL amount of RMB 21,956 million, leading to an NPL ratio of 2.48%[132]. - The total amount of loans and advances issued was CNY 23.13 trillion, up from CNY 21.20 trillion at the end of the previous year, indicating a growth of 9.09%[38]. - The total amount of corporate loans and advances reached RMB 12.984 trillion, an increase of RMB 1.964 trillion or 17.82% from the end of last year, with significant new loans directed towards infrastructure and manufacturing sectors[36]. Operational Efficiency and Digital Transformation - The group achieved over 98% of transaction volume through online channels[118]. - The average daily savings in work hours due to intelligent operations amounted to 24,000 hours, equivalent to releasing 3,000 person-days of workload[122]. - The personal mobile banking user base reached 450 million, an increase of 5.27% year-on-year, with peak monthly active users surpassing 138 million[124]. - The "Construction Bank Life" platform registered a total of 113 million users, with daily active users at 3 million and over 360,000 online merchant stores[125]. - The bank's customer service platform served 234 million customers in the first half of the year, achieving a customer satisfaction rate of 98.89%[128]. - The company has launched various scoring cards, including personal operating mortgage quick loan scoring card and small micro-innovation scoring card, to enhance retail business support capabilities[130]. - The company has launched 162 public services in AI, security, and basic technology, supporting 962 application scenarios[67]. - The company achieved a 60% synchronization rate for new mobile banking customers' digital RMB wallets as of June[67]. - The company has issued 1,469 standardized API data services, with over 18,000 customized data reports published[67]. - The group has developed a digital risk control system for agricultural finance, enhancing loan risk management capabilities[63]. - The group has launched a cloud platform and developed AI capabilities in five key areas, enhancing customer service and operational efficiency[65]. Corporate Governance and Management Changes - The board of directors consists of 14 members, all of whom attended the meeting to approve the half-year report[2]. - The board of directors achieved a 100% attendance rate during the annual general meeting held on June 29, 2023[176]. - The company has appointed new independent non-executive directors, pending regulatory approval, to enhance governance[178]. - The company has made changes in senior management, including the appointment of a new vice president and the departure of the chief risk officer due to age reasons[178]. - The company has adopted the Hong Kong Stock Exchange's guidelines for securities trading by directors and supervisors, ensuring compliance during the reporting period[179]. Social Responsibility and Community Engagement - In the first half of the year, the company invested RMB 580 million in poverty alleviation efforts and RMB 709 million in repayable assistance funds[185]. - The "Shanrong Commerce" initiative helped sell agricultural products worth RMB 267 million from poverty-stricken areas in the first half of the year[185]. - The company has established 2,342 "Yunong Study Halls" to promote financial knowledge and rural development, benefiting 4.42 million people[185]. - The bank completed 84,100 consumer protection reviews in the first half of 2023[187]. - The bank's consumer rights protection initiatives reached over 780 million people during the "3·15" Consumer Rights Protection Education Week[187]. - The bank's digital financial education platform recorded over 330 million user visits[187]. - The bank is focused on enhancing its green operations through various initiatives, including energy-saving measures and environmental activities[185]. International Operations and Subsidiaries - China Construction Bank (London) reported total assets of 3.85 billion RMB and a net loss of 0.36 million RMB for the first half of the year[94]. - China Construction Bank (Russia) achieved total assets of 4.20 billion RMB and a net profit of 0.26 million RMB in the first half of the year[95]. - China Construction Bank (Europe) recorded total assets of 27.50 billion RMB and a net profit of 0.55 million RMB for the first half of the year[96]. - China Construction Bank (New Zealand) reported total assets of 10.29 billion RMB and a net profit of 0.54 million RMB in the first half of the year[98]. - China Construction Bank (Brazil) had total assets of 34.99 billion RMB with a net loss of 0.13 million RMB for the first half of the year[98]. - China Construction Bank (Malaysia) reported total assets of 8.79 billion RMB and a net profit of 0.26 million RMB in the first half of the year[99]. - China Construction Bank (Indonesia) achieved total assets of 11.82 billion RMB and a net profit of 0.56 million RMB for the first half of the year[100]. - The comprehensive subsidiaries of China Construction Bank reported total assets of 818.82 billion RMB and a net profit of 4.44 billion RMB in the first half of the year[101]. - China Construction Bank Financial Leasing had total assets of 155.28 billion RMB and a net profit of 0.67 billion RMB for the first half of the year[102]. - China Construction Bank Investment reported total assets of 131.92 billion RMB and a net profit of 2.00 billion RMB in the first half of the year[104].

Financial Performance - The operating income for the first quarter of 2023 was RMB 200,948 million, a 0.90% increase from RMB 199,163 million in the same period of 2022[4]. - Net profit for the first quarter of 2023 reached RMB 89,147 million, reflecting a 2.03% increase compared to RMB 87,370 million in the first quarter of 2022[4]. - The net profit attributable to shareholders was RMB 88,743 million, a slight increase of 0.26% from RMB 88,513 million year-on-year[4]. - The annualized weighted average return on equity decreased to 12.86%, down 1.13 percentage points from 13.99% in the same period last year[4]. - The net profit for the three months ended March 31, 2023, was CNY 89.147 billion, representing a year-on-year increase of 2.03%[19]. - The pre-tax profit for the three months ended March 31, 2023, was RMB 104,705 million, slightly up from RMB 103,491 million in the previous year, reflecting a growth of 1.2%[28]. Assets and Liabilities - Total assets as of March 31, 2023, amounted to RMB 36,941,947 million, representing a 6.77% increase from RMB 34,600,711 million at the end of 2022[4]. - As of March 31, 2023, total liabilities amounted to RMB 33,978,267 million, an increase from RMB 31,724,467 million as of December 31, 2022, representing a growth of approximately 7.1%[24]. - The total equity attributable to shareholders reached RMB 2,942,274 million, up from RMB 2,855,450 million, indicating an increase of about 3.1%[25]. - The total risk-weighted assets amounted to RMB 21,162,903 million as of March 31, 2023, compared to RMB 19,767,834 million at the end of 2022, reflecting an increase of 7.1%[33]. Cash Flow - The net cash flow from operating activities was RMB 370,787 million, a decrease of 22.74% from RMB 479,940 million in the first quarter of 2022[4]. - The net cash flow from operating activities for the three months ended March 31, 2023, was RMB 370,787 million, a decrease of 22.7% compared to RMB 479,940 million for the same period in 2022[29]. - The bank's net cash flow from financing activities for the three months ended March 31, 2023, was RMB 19,322 million, compared to RMB 9,767 million in the same period last year, reflecting an increase of 97.5%[29]. Loans and Advances - The total amount of loans and advances issued was RMB 22.53 trillion, up RMB 1.33 trillion or 6.28% year-on-year[12]. - The net increase in loans and advances for the three months ended March 31, 2023, was RMB 1,340,907 million, compared to RMB 944,118 million for the same period in 2022, showing a significant increase of 42%[28]. - The balance of inclusive finance loans was RMB 2.67 trillion, an increase of RMB 322.05 billion or 13.73% from the end of the previous year, with 2.79 million customers, an increase of 260,900 customers[10]. - The balance of housing rental loans was RMB 289.86 billion, an increase of RMB 47.66 billion from the end of the previous year[10]. - The balance of agricultural loans was RMB 3.42 trillion, an increase of RMB 416.17 billion or 13.83% year-on-year[10]. Deposits - The total deposits reached RMB 27.48 trillion, an increase of RMB 2.46 trillion or 9.82% from the end of the previous year[14]. - The total amount of deposits reached RMB 27,476,786 million, an increase from RMB 25,020,807 million, representing a growth of approximately 9.8%[24]. Shareholder Information - The total number of ordinary shareholders as of March 31, 2023, was 351,054, with 311,927 being A-share shareholders and 39,127 being H-share shareholders[5]. - The top 10 ordinary shareholders held a significant portion of shares, with the largest shareholder holding 57.03% of H-shares[6]. - The total number of preferred shareholders was 25, all of whom were domestic[7]. - The largest preferred shareholder held 90,000,000 shares, accounting for 15.00% of the total preferred shares[8]. Regulatory Ratios - As of March 31, 2023, the capital adequacy ratio was 17.88%, with a Tier 1 capital ratio of 13.86% and a core Tier 1 capital ratio of 13.19%, all meeting regulatory requirements[16]. - The core tier 1 capital adequacy ratio stood at 13.19% as of March 31, 2023, down from 13.69% at the end of 2022, showing a decrease of 0.5 percentage points[33]. - The leverage ratio was reported at 7.57% as of March 31, 2023, which exceeds the regulatory requirement of 4%[35]. - The liquidity coverage ratio for the first quarter of 2023 was 142.09%, a decrease of 6.87 percentage points compared to the fourth quarter of 2022[37]. Income and Expenses - Net interest income decreased by 4.10% year-on-year to CNY 153.082 billion, with a net interest margin of 1.83%[19]. - Net fee and commission income increased by 2.62% year-on-year to CNY 43.017 billion, driven by business expansion and increased market demand[19]. - Operating expenses rose by 14.29% year-on-year to CNY 45.077 billion, leading to a cost-to-income ratio of 21.66%[19]. - Impairment losses decreased by CNY 2.83 billion year-on-year to CNY 51.577 billion, with credit impairment losses at CNY 51.577 billion[19]. - The effective income tax rate was 14.86%, with income tax expenses decreasing by CNY 5.63 billion year-on-year to CNY 15.558 billion[19]. Other Financial Metrics - The bank's interest income from investment securities was RMB 68,919 million for the three months ended March 31, 2023, compared to RMB 53,964 million in the same period last year, marking an increase of 27.7%[28]. - The bank's other comprehensive income decreased to RMB 15,484 million from RMB 17,403 million, a decline of about 10.5%[25]. - The net cash and cash equivalents increased to RMB 1,264,228 million, compared to RMB 1,057,116 million as of March 31, 2022, reflecting a year-over-year increase of 19.6%[30]. - Interest payments, excluding interest on issued bonds, increased to RMB 149,899 million for the three months ended March 31, 2023, compared to RMB 92,100 million in the same period of 2022, marking a significant rise of 62.5%[30]. - The total qualified liquid assets were RMB 5,159,838 million, supporting the liquidity coverage ratio[38].

中國建設銀行股份有限公司 2022 年年報 建設銀行 與您共建美好生活 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2023年3月29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13名董事出席董事會會 議。因公務原因，田國立先生委託張金良先生出席並表決。 本行董事會建議向全體股東派發2022年度現金股息，每股人民幣0.389元（含稅）。 本集團2022年度按照中國會計準則編製的財務報告經安永華明會計師事務所（特殊普通合夥）審計，按照國際財 務報告準則編製的財務報告經安永會計師事務所審計，審計師均出具無保留意見的審計報告。 本行副董事長、執行董事及行長張金良，獨立非執行董事鍾嘉年和非執行董事田博保證本年度報告中財務報告 的真實、準確、完整。 本報告包含若干對本集團財務狀況、經營業績及業務發展的前瞻性陳述。這些陳述基於現行計劃、估計及預測而作出，雖然 本集團相信這些前瞻性陳述中所反映的期望是合理的，但這些陳述不構成對投資者的實質承諾，請對此保持足夠的風險認 識，理解計劃、預測與承 ...

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。 （於中華人民共和國註冊成立的股份有限公司） （股份代號：939） 2022年度業績公告 中國建設銀行股份有限公司（「本行」）董事會（「董事會」）欣然宣佈，本行及所屬子 公司（「本集團」）截至2022年12月31日止年度，根據適用的《香港聯合交易所有限 公司證券上市規則》（「港交所上市規則」）披露要求及國際會計準則理事會頒佈的 國際財務報告準則編製的已審核業績。本行董事會審計委員會已審閱2022年度業 績，外部審計師已出具無保留意見的審計報告。 承董事會命 中國建設銀行股份有限公司 張金良 副董事長、執行董事及行長 ...

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： 939 2022 年第三季度報告 中國建設銀行股份有限公司（"本行"）董事會欣然宣佈本行及所屬子公司 （統稱"本集團"）截至 2022 年 9 月 30 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 條而做出。 重要內容提示： 本行董事會、監事會及董事、監事、高級管理人員保證本季度報告內容 的真實、準確、完整，不存在虛假記載、誤導性陳述或者重大遺漏，並 承擔個別和連帶的法律責任。 本行副董事長、執行董事及行長張金良，獨立非執行董事鍾嘉年和獨立 非執行董事米歇爾•馬德蘭保證本季度報告中財務信息的真實、準確、完 整。 第三季度財務 ...

中國建設銀行股份有限公司 二零二二年半年度報告 二零二二年半年度報告 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） 目 錄 | --- | --- | --- | |----------|-----------------------------|-------| | | | | | 釋義 | 4 | | | 重要提示 | 6 | | | | 財務摘要 7 | | | | 公司基本情況 8 | | | | 管理層討論與分析 10 | | | 3.1 | 財務回顧 10 | | | | 3.1.1 綜合收益表分析 10 | | | | 3.1.2 財務狀況表分析 18 | | | | 3.1.3 其他財務信息 24 | | | 3.2 | 業務回顧 25 | | | | 3.2.1 三大戰略推進情況 | 25 | | | 3.2.2 公司銀行業務 27 | | | | 3.2.3 個人銀行業務 29 | | | | 3.2.4 資金業務 30 | | | | 3.2.5 境外商業銀行業務 | 33 | ...

Tr 198857 01 4 24 0 000 中国建设银行 China Construction Bank 中國建設銀行股份有限公司 2021年年報 建融家园 建融家园 建行生活裕 农 通 裕 农 通 使命 建行生活 公司簡介 中國建設銀行股份有限公司是一家中國領先的大型商業銀行，總部設在北京，其前身中國建設銀行成 立於1954年10月。本行2005年10月在香港聯合交易所掛牌上市（股份代號939），2007年9月在上海證 券交易所掛牌上市（股份代號601939）。本行2021年末市值約為1,753.02億美元，居全球上市銀行第六 位。按一級資本排序，本集團在全球銀行中位列第二。 本行為客戶提供個人銀行業務、公司銀行業務、投資理財等全面的金融服務，設有14,510個分支機 構，擁有351,252位員工，服務億萬個人和公司客戶。在基金、租賃、信託、保險、期貨、養老金、投 行等多個行業擁有子公司，境外機構覆蓋31個國家和地區，擁有各級境外機構近200家。 本行積極踐行「新金融」，全力推動實施住房租賃、普惠金融、金融科技「三大戰略」，按照「建生態、 搭場景、擴用戶」的數字化經營策略，強化C端突圍，根植普羅大眾，做 ...

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文件的內容概不負責，對其 準確性或完整性亦不發表任何聲明，並明確表示，概不對因本文件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：939 2022 年第一季度報告 中國建設銀行股份有限公司（"本行"）董事會欣然宣佈本行及所屬子公司 （統稱"本集團"）截至 2022 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 條而做出。 1 重要內容提示： 本行董事會、監事會及董事、監事、高級管理人員保證本季度報告內容 的真實、準確、完整，不存在虛假記載、誤導性陳述或者重大遺漏，並 承擔個別和連帶的法律責任。 本行非執行董事刘芳女士、獨立非執行董事鍾嘉年先生和獨立非執行董 事威廉•科恩先生保證本季度報告中財務信息的真實、準確、完整。 第一季度財務報表未 ...