建设银行二零二三年年报

2023 202432812 20230.400 2023 • i35101214 127128132139141143 17 144 144145146156160163164164165 ESG168170172174177181185190193195196 1REITs4524.048354467569672773877978108311971211113116 199 199199200201202 210 213 214 221 1492553594705REITs716827123 1954102005109392007960193920231,518.578 7.571,0822023376,87114,89520031 www.ccb.cnwww.ccb.com 95533 86-10-6621553386-10-66218888ir@ccb.com www.cs.com.cnwww.cnstock.comwww.stcn.comwww.zqrb.cn www.hkexnews.hk A601939H9391360030 11797927 1212-14 127 188 183171712-1716 A/A-1/A1/P-1/A/F1+/ESGAA 2023年《財富》世界500強榜單第29位 FORBES 美國《福布斯》雜誌2023年福布斯全球企業2000強榜單第4位 2023年亞太地區最佳零售銀行2023年中國最佳零售銀行2023年中國最佳大型零售銀行 《中國證券報》 2023年綠色金融金牛獎 2023年全球綠色金融獎·創新獎 《金融時報》 《銀行家》雜誌2023年度金融創新卓越機構 金龍獎·2023年度最佳科創金融服務銀行 2023 202338.3210.76%23.0812.64%1.009.3913.02%0.4935.1527.6510.52%3,324.602.34%0.91%11.56%ESGESGAA1.37%239.85%0.40 37003.82356,2003.883(DCMM)5+ 2.6621.824 1,0827.5718.501020 APP6.86APP1.282.86251028.39% 20247570 20243 28 2023(GDP)5.2%(CPI)0.2% 18  26 20232023417.39.9%1.59%15.06%  36 202338.3210.76%23.0812.64%35.1510.81%27.6510.52%3,324.602.34%0.91%11.56%17.95% 20233,893.771.48%3,324.602.34%(1)264.364.11%(2)3.390.29%(3)0.07%28.39%(4)11.47% 利息淨收入 20236,172.33264.364.11%82.78% 2023(LPR)1.50%1.70%31 264.36745.551,009.91 20231.25767.936.56%70.38%22.33%3.66%2.06%1.57% 8,779.17320.043.78%13.46% 2,785.24222.828.70%13.50% 456.3664.5916.49%6.79%13 256.78114.6180.61%19.89%100 196.1145.8730.53%14.39%24 20236,301.331,032.2919.59%74.27%12.84%8.65%3.77%0.47% 4,680.03657.5316.35%13.46%4 808.79240.7242.38%10.60%56 545.0486.4718.86%12.86%16 237.8533.1516.19%22.07% 29.6214.4294.87%67.10%48 非利息淨收入 20231,283.82145.4112.77%17.22% 20231,157.463.390.29%15.52% 376.3710.702.93%210.7139.7323.24%188.943.371.75%183.896.513.67%108.921.611.50%106.8055.0534.01% 126.36148.8057.124.2356.8520.539.466.242.2288.405.1537.86 經營費用 202328.39%0.432,201.521.610.07%1,280.2328.682.29%324.5011.083.30%84.763.223.95%512.0319.213.62% 減值損失 20231,372.37177.7711.47%118.6893.3725.3149.41108.50 所得稅費用 2023569.1719.1914.62%25% 區域分佈分析 202338.323.7210.76%2.5912.64%10,959.6412.83%932.382.95%613.495.89%1,282.7918.45%1.0060.23%0.4625.15%1.138.00%0.142.15%0.462.55% 202323.862.6612.57%13.948.7711,047.8758.53%36.83%4.64% 13.232.2120.01%3.599.63 8.684,392.865.33%6.39930.841.44%9,971.33722.607.81%4,216.231,261.8042.71%7,774.813,621.3787.19% 11,047.87561.36 8,044.86380.804.52% 20237,782.2318.92239.85%3.28% 12(PD)(LGD)(EAD) 1. 20239.641.1012.83%1.0813.02%97.41%0.17144.402.59%0.17 20239.031.0112.58%3,601.52727.9325.33% 20237.408,701.6113.34%431.8241.888.84%1.582,685.0120.43%8,998.806,826.669.71%38.24% 202311.227.35 2023 202335.153.4310.81%27.652.6310.52%3.202,497.578.47%1.902,488.6515.11%1.1649.16%78.67%0.209.10%0.205.39%0.203.29%0.85 202311.867,588.556.84%1.5544.37%14.871.7913.70%1.5555.63%4,992.85520.971.81%12.02264.580.22%4.8544.99%14.702.5821.25%4.8555.01% 股東權益 20233.172,958.3010.29%1,443.030.038.28% 資產負債表表外項目 20233.831,437.123.90% 2023 區域分佈分析 經營活動產生的現金流量 6,428.503,355.69 投資活動所用的現金流量 8,212.541,695.86 籌資活動所用的現金流量 473.27409.02 重要會計政策及會計估計 201717202311202311 按境內外會計準則編製的財務報表差異說明 202320231231 38 20232,384.1831.98%750.3019.27%3,635.9348.76%1,948.9750.05%1,236.8716.59%1,162.0629.84%199.1732.44  68  75  80  88 4.0 20178REITs202323,200100700 +1,6001,4002,600 2018520233202347212.8072420189 201841,2006,98316,331463.34PFlops(1PFlops17.61094%3187115 REITs 本行公司類住房租賃貸款34.38%增幅3,254.48億元建信住房租賃基金投資資產規模集團自持保障性租賃住房公募REITs獲正式受理118.89億元 202325118.8966.312.149325 20233,254.48832.5634.38%1,600700 REITsREITsREITsREITs CCB5,10015.95CCB287APPAPP2731811+11,400 專 題1 REITs REITs REITsREITs REITs 本行普惠金融貸款餘額29.40%增幅3.04萬億元 20233.046,912.3029.40%31764.743.75%0.25 7242023APP3.063,6752,2091,2173201.422,700 4.1590 專 題2 4.0 20184.0 +++ 20232023 案 例1 20238,000100 167.7 3.82萬億元 20231211 356,200·3,1001,800APP1,4001,000770 1,90020233,812.061,775.5187.18%9848.46%20233.828,144.9827.11% 394.5377.5824.48%20233.60%6,052.062,006.1649.59% 3,400 專 題3 APP 35202310 APP 案 例2 2018201911 ++1.32++++8,0003004.99 E S G 20233.881.1341.19%70.15%117.32%36291.43240252764738.77 3.88萬億元 案 例3 103.992.69.8 +++20 為29個省級政府搭建智慧政務平台或應用場景，平台註冊用戶突破2.7億戶  292.7 + 37STM 9,00013,000 9273,0008 金融科技投入250.24億元金融科技人員數量16,331人累計獲取專利授權2,168件其中發明專利授權1,296件「建行雲」算力規模463.34PFlops ++2023463.34PFlops17.09%(GPU)20%2023 7.694% 433202314075%120 (ICDAR 2023)101,0003 302082%IT 28.77 ITIT202316,3314.33%250.243.36%2,1689051,2962022 16,62268,2554.0APP 2022-2025 業務中台加快提升數字化水平和應用能力，累計梳理發佈中台能力1,380項 1,38068125890%T+18143PCAPP2,6094.14 數據中台提升數據供給時效，超過90%的數據實現T+1供給。 技術中台堅持復用、敏捷、協同理念，技術能力累計應用於2,609個業務場景 (DCMM)5e 194100 2023358511,1261,8071718 專 題4 ChatGPT 720232515-2082%80%2023 Q & A Q 320(VALUE)7,000 +e+ 202311.867,588.556.84%20.85%2.57%1,0821471,510189 本行民營貸款餘額5.40 萬億元 202313.232.2120.01%1.88%2.704,596.3