中新社北京10月30日电 (记者 王恩博)随着中国密集出台金融支持房地产政策，市场正出现积极迹象。 中国建设银行住房金融与个人信贷部负责人30日透露，近期该行个人住房贷款受理投放环比回升。 9月24日，国务院新闻办公室举行发布会，公布了引导银行降低存量房贷利率、统一房贷最低首付比例 等多项房地产金融新政，被视作推动市场止跌回稳的重磅措施。 上述负责人在30日举行的建行2024年第三季度业绩说明会上表示，建行此前发布公告，于10月25日对符 合条件的存量房贷利率进行批量调整。经测算，符合本次调整条件的贷款超过1200万笔，利率下调幅度 与同业基本一致，利率调整后将有效减轻相关房贷客户的还贷压力。 这位负责人在回答中新社记者提问时称，9月24日国务院新闻办公室发布会后，9月24日至9月30日，建 行个人住房贷款提前还款规模较8月同期环比下降19%；10月1日至10月27日，个人住房贷款提前还款规 模较9月同期减少3%，长期趋势仍待进一步观察。 此外，9月第四周，建行个人住房贷款日均受理量环比第三周提升6.17%；10月国庆节后三周，个人住 房贷款日均受理量进一步提升，较9月第四周提升48.13%。 另据当天公布的 ...

Profit and Earnings - Net profit attributable to shareholders of the bank for the third quarter was RMB 91.45 billion, an increase of 3.79% year-on-year[4] - The bank's annualized weighted average return on equity for the third quarter was 11.46%, a decrease of 0.78 percentage points year-on-year[4] - The bank's basic and diluted earnings per share for the first nine months of 2024 were RMB 1.01, a decrease of 0.98% year-on-year[4] - Net profit for the first nine months of 2024 reached RMB 257.112 billion, with a year-on-year growth of 0.65%[22] - Net profit for the nine months ended September 30, 2024, was RMB 257,112 million, compared to RMB 255,440 million in the same period of 2023[30] - Net profit for the group reached RMB 257,112 million for the first nine months of 2024, compared to RMB 255,440 million in the same period of 2023[39] - The bank's net profit for the first nine months of 2024 was RMB 243,121 million, slightly lower than the RMB 247,818 million recorded in the same period of 2023[39] Assets and Liabilities - The bank's total assets as of September 30, 2024, were RMB 40.923 trillion, an increase of 6.78% compared to the end of 2023[4] - Total assets of the group reached 40.92 trillion yuan, an increase of 2.60 trillion yuan or 6.78% compared to the end of the previous year[17] - Total liabilities increased by 2.43 trillion yuan or 6.90% to 37.58 trillion yuan compared to the end of the previous year[19] - Total assets as of September 30, 2024, amounted to RMB 40.923 trillion, an increase from RMB 38.325 trillion at the end of 2023[25] - Total liabilities as of September 30, 2024, were RMB 37.580 trillion, up from RMB 35.153 trillion at the end of 2023[26] - Shareholders' equity as of September 30, 2024, stood at RMB 3.343 trillion, compared to RMB 3.172 trillion at the end of 2023[27] - The bank's equity attributable to shareholders as of September 30, 2024, was RMB 3.320 trillion, an increase of 5.42% compared to the end of 2023[4] - Shareholders' equity rose by 171.251 billion yuan or 5.40% to 3.34 trillion yuan[20] Loans and Advances - Total loans and advances amounted to 25.75 trillion yuan, up 1.89 trillion yuan or 7.92% from the end of the previous year[17] - Non-performing loans stood at 346.906 billion yuan, with a non-performing loan ratio of 1.35%, down 0.02 percentage points from the end of the previous year[18] - The provision coverage ratio was 237.03%, and the loan-to-deposit ratio was 3.20%[18] - Strategic emerging industry loans reached 2.74 trillion yuan, and loans to technology-based enterprises totaled 1.82 trillion yuan, both showing rapid growth[11] - Green loan balance was 4.58 trillion yuan, up 17.95% from the end of the previous year[11] - Net increase in loans and advances for the nine months ended September 30, 2024, was RMB 1,971 million, compared to no net increase in the same period of 2023[36] Cash Flow and Operating Activities - Total operating cash flow for the first nine months of 2024 was RMB 954.869 billion, a significant increase of 100.10% compared to the same period last year[6] - Net cash flow from operating activities for the nine months ended September 30, 2024, was RMB 954,869 million, a significant increase from RMB 477,206 million in the same period of 2023, reflecting a 100.1% growth[36] - Operating cash flow for the group increased significantly to RMB 954,869 million in the first nine months of 2024, compared to RMB 477,206 million in the same period of 2023[39] - Net cash flow used in investing activities for the nine months ended September 30, 2024, was RMB 470,810 million, a decrease from RMB 712,081 million in the same period of 2023, indicating a 33.9% reduction[37] - Net cash flow used in financing activities for the nine months ended September 30, 2024, was RMB 19,844 million, compared to RMB 83,196 million in the same period of 2023, showing a 76.1% decrease[38] - Cash and cash equivalents at the end of September 30, 2024, were RMB 1,385,789 million, a 64.7% increase from RMB 841,116 million at the end of September 30, 2023[38] - The group's cash and cash equivalents balance at the end of September 2024 was RMB 1,385,789 million, up from RMB 841,116 million at the end of September 2023[40] - Net increase in cash and cash equivalents for the group was RMB 460,326 million in the first nine months of 2024, compared to a net decrease of RMB 302,536 million in the same period of 2023[40] Interest and Non-Interest Income - The bank's net interest income for the third quarter was RMB 183.057 billion, a decrease of 2.72% year-on-year[4] - Net interest income decreased by 5.89% year-on-year to RMB 440.817 billion, with a net interest margin of 1.52%[22] - Non-interest income increased by 6.82% year-on-year to RMB 128.205 billion, driven by factors such as exchange rate and capital market fluctuations[22] - Net interest income for the nine months ended September 30, 2024, was RMB 569,022 million, a decrease from RMB 588,440 million in the same period of 2023[29] - Net fee and commission income for the nine months ended September 30, 2024, was RMB 85,144 million, down from RMB 94,907 million in the same period of 2023[29] - Interest income from investment securities and net gains from disposal amounted to RMB 222,780 million for the group in the first nine months of 2024, up from RMB 206,197 million in 2023[39] Shareholders and Dividends - The number of ordinary shareholders as of September 30, 2024, was 313,362, including 37,876 H-share shareholders and 275,486 A-share shareholders[7] - Central Huijin Investment Ltd. is the largest shareholder, holding 57.03% of the H-shares[7] - The group declared a cash dividend of RMB 0.400 per share for 2023, totaling approximately RMB 100.004 billion[23] - The group plans to issue an interim cash dividend of RMB 0.197 per share for 2024, totaling approximately RMB 49.252 billion[23] Comprehensive Income and Other Financial Metrics - Total comprehensive income for the nine months ended September 30, 2024, was RMB 275,345 million, compared to RMB 258,124 million in the same period of 2023, representing a 6.7% increase[33] - Other comprehensive income for the nine months ended September 30, 2024, was RMB 18,233 million, compared to RMB 2,684 million in the same period of 2023[31] - The fair value change of debt instruments classified as fair value through other comprehensive income was RMB 12,138 million for the nine months ended September 30, 2024, compared to RMB 3,686 million in the same period of 2023[32] - The credit loss provision for debt instruments classified as fair value through other comprehensive income was RMB 18,297 million for the nine months ended September 30, 2024, compared to RMB 1,218 million in the same period of 2023[32] - The foreign currency translation difference for the nine months ended September 30, 2024, was a loss of RMB 1,497 million, compared to a gain of RMB 5,738 million in the same period of 2023[32] - The net amount reclassified from other comprehensive income to profit or loss due to the sale of financial assets was RMB 359 million for the nine months ended September 30, 2024, compared to a loss of RMB 360 million in the same period of 2023[32] Operating Expenses and Impairment Losses - Operating expenses for the nine months ended September 30, 2024, were RMB 497,318 million, an increase from RMB 468,166 million in the same period of 2023[29] - Credit impairment losses and other asset impairment losses amounted to RMB 109,583 million for the group in the first nine months of 2024, down from RMB 124,449 million in 2023[39] Deposits and Placements - Total deposits grew by 901.253 billion yuan or 3.26% to 28.56 trillion yuan[19] - Net increase in deposits and placements from banks and other financial institutions for the nine months ended September 30, 2024, was RMB 2,209,613 million, a decrease from RMB 2,606,644 million in the same period of 2023, reflecting a 15.2% decline[35] User Base and Capital Adequacy - The "Twin Stars" user base reached 513 million, with 159 million financial transaction users in the current year, a year-on-year increase of 3.24%[17] - Capital adequacy ratio of the group was 19.35%, with a Tier 1 capital adequacy ratio of 15.00% and a core Tier 1 capital adequacy ratio of 14.10% as of September 30, 2024[21] Non-Recurring Gains and Losses - Non-recurring gains and losses for the third quarter amounted to RMB 220 million, with RMB 219 million affecting the net profit attributable to shareholders[5] Operating Receivables and Payables - The group's operating receivables increased by RMB 1,620,678 million in the first nine months of 2024, a significant improvement from the increase of RMB 2,641,775 million in the same period of 2023[39] - Operating payables for the group increased by RMB 2,412,851 million in the first nine months of 2024, compared to an increase of RMB 2,921,921 million in the same period of 2023[39] Interest Expense on Issued Bonds - Interest expense on issued bonds for the group rose to RMB 23,457 million in the first nine months of 2024, up from RMB 20,365 million in 2023[39]

（於中華人民共和國註冊成立的股份有限公司） 股份代號：939 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 2 2024 年第三季度報告 • 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 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。 • 本行董事長、執行董事張金良，副董事長、執行董事及行長張毅和獨立 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。 • 第三季度財務報表未經審計。 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 2024 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 ...

股票代码：601939 股票简称：建设银行 公告编号：临 2024-046 中国建设银行股份有限公司 监事会会议决议公告 （2024 年 10 月 30 日） 本行监事会及全体监事保证本公告内容不存在任何虚假记载、误导性陈述或 者重大遗漏，并对其内容的真实性、准确性和完整性承担法律责任。 中国建设银行股份有限公司（以下简称本行）监事会会议（以下 简称本次会议）于 2024 年 10 月 30 日在北京以现场会议方式召开。 本行于 2024 年 10 月 18 日以书面形式发出本次会议通知。半数以上 监事共同推举林鸿监事召集并主持会议。本次会议应出席监事 5 名， 实际亲自出席监事 5 名。本次会议的召开符合《中华人民共和国公司 法》《中国建设银行股份有限公司章程》等规定。 本次会议审议通过如下议案： 一、 关于 2024 年第三季度报告的议案 议案表决情况：同意 5 票，反对 0 票，弃权 0 票。 本行监事会认为本行 2024 年第三季度报告的编制和审核程序符 合法律、行政法规和监管规定，报告的内容真实、准确、完整地反映 了本行的实际情况。 1 二、 关于 2023 年度监事薪酬分配清算方案的议案 表决情况 ...

中国建设银行股份有限公司 内幕信息知情人管理办法（2024 年版） 第一章 总则 第一条 为规范中国建设银行股份有限公司(以下简称 本行)内幕信息知情人管理，做好内幕信息保密工作，维护 信息披露的公平原则，保护投资者合法权益，根据《中华人 民共和国公司法》《中华人民共和国证券法》《上市公司信息 披露管理办法》《上市公司监管指引第 5 号——上市公司内 幕信息知情人登记管理制度》，香港证券及期货事务监察委 员会《内幕消息披露指引》等法律、法规、规章、规范性文 件，本行股票上市地证券监管机构有关规定(以下统称法律 法规和监管规定)，以及《中国建设银行股份有限公司章程》 (以下简称本行章程)、《中国建设银行股份有限公司信息披 露办法》（以下简称本行信息披露办法），结合本行实际情况， 制定本办法。 第二条 本办法所称内幕信息是指涉及本行经营、财务 或者对本行证券市场价格有重大影响且尚未公开的信息。 第三条 本办法所称内幕信息知情人是指本行内幕信息 披露前可以直接或间接获取内幕信息的单位和个人。 1 （四） 本行分配股利的计划，本行股权结构的重要变 化，本行股息政策的变动，本行增资、减资、解散及申请破 产的决定，或者依 ...

本次会议审议通过如下议案： 一、关于《中国建设银行股份有限公司 2024 年三季度资本管理第 三支柱信息披露报告》的议案 表决情况：同意 13 票，反对 0 票，弃权 0 票。 《中国建设银行股份有限公司 2024 年三季度资本管理第三支柱信 息披露报告》请参见登载于上海证券交易所网站(www.sse.com.cn)的相关 1 股票代码：601939 股票简称：建设银行 公告编号：临 2024-045 中国建设银行股份有限公司 董事会会议决议公告 （2024 年 10 月 30 日） 本行董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈述或 者重大遗漏，并对其内容的真实性、准确性和完整性承担法律责任。 中国建设银行股份有限公司（以下简称本行）董事会会议（以下简 称本次会议）于 2024 年 10 月 30 日在北京以现场会议方式召开。本行于 2024 年 10 月 15 日以书面形式发出本次会议通知。本次会议由张毅副董 事长主持，应出席董事 13 名，实际亲自出席董事 12 名，张金良董事长 委托张毅副董事长代为出席并表决。本次会议的召开符合《中华人民共 和国公司法》《中国建设银行股份有限公司章程》 ...

股票代码：601939 股票简称：建设银行 公告编号：临 2024-044 【英文线路】 中国内地：+8610-58084166，中国香港：+852-30051313 参会密码：064404 中国建设银行股份有限公司 关于召开 2024 年第三季度业绩说明会的公告 本行董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈述 或者重大遗漏，并对其内容的真实性、准确性和完整性承担法律责任。 重要内容提示： 会议召开时间：2024 年 10 月 30 日（星期三）17:30-18:30 【中文线路】 中国内地：+8610-58084199，中国香港：+852-30051355 参会密码：728013 投资者可于 2024 年 10 月 27 日（星期日）23:59 前将相关问 题通过电子邮件的形式发送至中国建设银行股份有限公司（以下简 称本行）投资者关系邮箱：ir@ccb.com，或在会议召开时提问。 本 行 将 于 2024 年 10 月 30 日 在 上 海 证 券 交 易 所 网 站 （www.sse.com.cn）发布《中国建设银行股份有限公司 2024 年第三 1 会议召开方式：电话会议 会议接入方 ...

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生。 特此公告。 939 中國建設銀行股份有限公司 董事會 董事會會議通告 2024年10月18日 中國建設銀行股份有限公司（「本行」）董事會謹此宣佈，本行董事會將於2024年10 月30日舉行會議，以審議及批准本行截至2024年9月30日止九個月的業績及其他事 宜。 ...

October 10, 2024 03:03 AM GMT M Update | --- | --- | --- | --- | --- | --- | --- | |------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|---------|--------------------------------- ...

中國建設銀行股份有限公司 半年度報告 2024 年半年度報告 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半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2024年8月30日召開董事會會議，審議通過了本半年度報告及其業績公告。本行12名董事出席董事會會 議。 本行董事會建議向全體股東派發2024年度中期現金股息，每股人民幣0.197元（含稅）。本行不進行公積金轉增 股本。 本集團按照中國會計準則編製的2024年半年度財務報告已經安永華明會計師事務所（特殊普通合夥）審閱，按 照國際財務報告準則編製的2024年半年度財務報告已經安永會計師事務所審閱。 本行副董事長、執行董事及行長張毅、獨立非執行董事米歇爾•馬德蘭和獨立非執行董事格雷姆•惠勒保證本半 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 ...