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].
建设银行(00939) - 2023 - 年度财报