On Oct. 30, 2025, China Construction Bank Corporation (CCB) (Stock code: SH: 601939; HK: 00939) reported its operating results for the third quarter of 2025 (The following data for the Group were prepared in line with International Financial Reporting Standards and denominated in RMB). China Construction Bank has adhered to enhancing the 'three capabilities' as the fundamental guideline, strived to be a main force in serving the real economy and a stabilizing anchor in maintaining financial stability, solidly carried out the "five major financial initiatives", accelerated exploration of an intrinsically-driven high-quality development path, and achieved good results in the first three quarters.

关键经营指标均衡协调，保持稳中向好态势。截至2025年9月30日，集团资产总额45.37万亿元，较上年末增长11.83%，其中发放贷款和垫款总额27.68万亿元，较上年末增长7.10%；负债总额41.71万亿元，较上年末增长12.05%，其中吸收存款总额30.65万亿元，较上年末增长6.75%。经营收入5,602.81亿元，较上年同期增长1.44%。净利润2,584.46亿元，较上年同期增长0.52%。归属于本行股东的净利润2,573.60亿元，较上年同期增长0.62%。收入结构持续优化，非利息净收入1,326.75亿元，较上年同期增长18.96%。其中，手续费及佣金净收入896.68亿元，较上年同期增长5.31%。核心指标保持同业领先优势，净利息收益率1.36%，年化平均资产回报率0.80%，年化加权平均净资产收益率10.32%。成本收入比25.53%，继续保持同业较优水平。资产质量稳健、风险抵御能力稳中有升，不良贷款率1.32%，较上年末下降0.02个百分点；拨备覆盖率235.05%，较上年末上升1.45个百分点。资本充足率19.24%。经董事会会议审议通过，拟向全体普通股股东派发2025年度中期现金股息，每10股人民币1.858元（含税），合计约人民币486.05亿元。

Its business development was balanced and coordinated, with a steady and positive operating benefits . During the first three quarters, the operating income, the net non-interest income, the pre-provision operating profit‌ and the net profit were on the increase YOY. The operating income was RMB 560.281 billion, up by 1.44% as compared to the previous period. The pre-provision operating profit‌ was RMB 411.36 billion, up by 1.03% as compared to the previous period. The net profit was RMB 258.446 billion, up by 0.52% as compared to the previous period. Net profits attributable to shareholders of this bank were 257.360 billion Yuan, up by 0.62% as compared to the previous period. Growth has accelerated for two consecutive quarters. Its income structure has continuously optimized, the net fee and commission income was 89.668 billion yuan, up by 5.31% as compared to the previous period. It has maintained leadership in core indicators among industrial peers, with a net interest yield of 1.36%, and the annualized average return on asset 0.80%. The annualised weighted average return on equity (ROE) was 10.32%. The cost-income ratio was 25.53%, continuing to maintain good performances among its peers. The core business maintained steady progress. As of Sept. 30, 2025, the group's total assets amounted to RMB 45.37 trillion, up by 11.83% as compared with that at the end of last year; loans and advances totaled RMB 27.68 trillion, up by 7.10% over the end of the previous year; total liability was 41.71 trillion Yuan, up by 12.05% as compared with that at the end of last year; including deposits of RMB 30.65 trillion, up by 6.75% over the end of the previous year. It has high-quality and robust assets and enough risk resistances with a non-performing loan ratio of 1.32%, down by 0.02 percentage points as compared with that at the end of last year; and a provision coverage ratio of 235.05%, up by 1.45 percentage points as compared with that at the end of last year. The capital adequacy ratio was 19.24%.

靠前发力服务实体经济，体系化系统化推进金融“五篇大文章”。扎实推进支持新型工业化服务方案，制造业贷款余额突破3.5万亿元。持续支持民营经济，民营经济贷款余额近6.6万亿元，服务民营企业近1000万户。积极发挥特色优势，大力支持基础设施建设，加力推动消费金融专项行动，更好服务扩大内需。持续增强参与国际竞争能力，深化本外币一体化经营，有力支持高水平对外开放。强化统筹谋划，做好乡村全面振兴金融服务，提升服务区域协调发展质效。科技金融推动“股贷债保租”综合金融服务，积极培育新质生产力。科技贷款保持快速增长（待数据更新）。累计在15个城市注册21只金融资产投资公司(AIC)股权投资试点基金。承销科创债券（含科创票据、科技创新债券）118笔；前三季度债券投资组合中科创债投资量同比增长超4倍。绿色金融完善多元化服务体系。绿色贷款余额5.90万亿元，较年初同口径增长18.58%。发行300亿元人民币绿色债券。参与承销境内绿色及可持续发展债券98期，发行规模2,928.78亿元。普惠金融高标准提升服务质效。普惠型小微企业贷款余额3.81万亿元，较上年末增加3,976.90亿元；贷款客户370万户，较上年末增加34.55万户。“建行惠懂你”平台认证企业1,537万户，较上年末增加123万户。养老金融持续推进服务体系建设。夯实年金业务市场领先地位，建信养老金的企业年金管理规模达7,008.99亿元，较上年末增长11.78%。丰富居民产品投资选择，个人养老金产品超250只。首创“安心”系列企业养老产品线，落地薪酬福利、股权激励、补充医疗等场景服务。数字金融以智能化加快数字化转型。推动AI技术在核心业务领域的规模化落地，金融大模型累计支撑347个业务场景。手机银行和“建行生活”用户总数达5.42亿户。数字经济核心产业贷款稳步增长，余额超8,000亿元。

ComprehensivelyCompr serving the real economy and systematically and comprehensively did well in the "five major financial initiatives". CCB solidly promoted supports for new-type industrialization service programs, with the manufacturing sector loan balance exceeding 3.5 trillion yuan. CCB continuously supported the private economy, with a private sector loan balance over 6.7 trillion Yuan. It actively leveraged its unique advantages, vigorously supported infrastructure constructions, enhanced special actions in promoting consumer finance and better served the expansion of domestic demands. It continuously enhanced the ability to participate in international competition, deepened integrated operations of home and foreign currencies and strongly supported high-level opening-up. It strengthened overall planning, provided financial services for comprehensive countryside revitalization and improved the quality and efficiency of services for coordinated regional development. Availed technological finance to steadily advance integrated services and actively fostered new productive forces. Rapid growth was maintained in loans to the hi-tech sector. A total of 21 financial asset investment companies (AIC) equity investment pilot funds were registered in 15 cities; CCB underwrote 118 technological innovation bonds (including technological innovation notes and bonds); the investment in technological innovation bonds in the bond portfolio for the first three quarters increased by more than 400% YOY. The diversified service system of green finance was further improved. The balance of green loans reached RMB 5.89 trillion, up by 18.38% over that at the beginning of the year. CCB issued green bonds of 50 billion Yuan in CNY. It underwrote 98 issues of green and sustainable development bonds in China, with an underwriting scale of RMB 292.878 billion. Inclusive finance witnessed obvious improvement in service quality and efficiency. The balance of the inclusive finance loans to micro and small-sized enterprises was RMB 3.81 trillion, up by RMB 397.69 billion over the end of the previous year; 3.7 million loan clients, up by 345,500 clients over that at the end of the previous year. "CCB Huidongni" had a total of 15.37 million certified enterprises, up by 1.23 million enterprises compared with that at the end of last year. The service system of the pension finance continued to be advanced. CCB enhanced leadership in the annuity market and its second pillar management of Jianxin endowment pension scale reached 700.899 billion Yuan, up by 11.78% as compared with that at the end of last year. It initiated the "Anxin" series of corporate endowment pension products and launched services covering compensation and benefit, equity incentive, supplementary medicare and other scenarios. The intelligent transformation of digital finance is accelerating. The systematic AI application was boosted. CCB promoted the large-scale application of AI technologies in core service sectors and its large financial model has supported 347 service scenarios cumulatively. The total number of mobile banking and CCB Life users reached 542 million clients. The loans to support the core industry of the digital economy increased stably, which is amounted to over RMB 800 billion.

健全防范化解风险长效机制，更好统筹发展和安全。坚持全面风险管理理念，加强母子公司、境内外机构协同控险，提升集团一体化风险管控能力。在“防风险”中持续提升“促发展”能力，加快推进企业级智能风控体系建设，提升客户、业务风险监控预警智能化水平。做好资产质量和重点领域风险管控，房地产、地方政府债务风险水平总体可控。

Improved the long-term mechanism of risk prevention and resolution and realized better balance of development and safety. CCB adhered to the concept of comprehensive risk management, strengthened the collaborative risk control between parent and subsidiary companies and between domestic and foreign subsidiaries and enhanced the group's integrated risk management and control capabilities. It enhanced the capacity for promoting development while preventing risks, accelerated the construction of an enterprise-level intelligent risk control system and improved the intelligentization level of customer and business risk monitoring and early warning. It did well to manage asset quality and dispose of risks, so that risks in key areas were generally under control..

下一步，建设银行将始终坚持以习近平新时代中国特色社会主义思想为指导，把学习贯彻党的二十届四中全会精神与学习贯彻党的二十大和二十届历次全会精神、中央金融工作会议精神贯通起来，准确把握“十五五”时期金融工作的主要目标和面临的形势任务，科学编制集团“十五五”规划，聚焦主责主业，锚定做优做强，坚定不移走好中国特色金融发展之路，为中国式现代化建设贡献金融力量。

Going forward, China Construction Bank will be guided by  Xi Jinping Thought on Socialism with Chinese Characteristics for a New Era and study, promote and implement the spirits of the Fourth Plenary Session of the 20th Central Committee of the Communist Party of China, regarding it as a critical political mission now and in the foreseeable future. It will accurately grasp the main goals and tasks of financial work during the “15th Five-Year Plan” period, scientifically formulate the Group’s “15th Five-Year Plan”, focus on its primary responsibilities and core businesses, aim for excellence and strength, resolutely follow the path of financial development with Chinese characteristics and contribute financial strengths to the modernization drive in the Chinese way.