建设银行：2025年半年度报告

202582913 2025101.858 20252025 3 8 10 68 686869707172 74 76767778797980 81 App 2006215 20231117 2018119 CHINA CONSTRUCTION BANK CORPORATIONCCB www.sse.com.cn www.hkexnews.hk A601939 H00939 1360030 117 97927 1212-15 127 188 A H 183171712-1716 482025625202612 31 6182025625202612 31 2025(GDP)5.3%0.31 68.9%M28.3%7.1%45602 202544.439.52%26.586.13%40.859.73%30.476.11%A1,0503,859.051,626.380.77%10.08%23.72%19.51%1.33% 1,626.381,620.763,859.052.95%(LPR)2,867.093.16%652.184.02%339.78111.36% 2,867.0993.503.16%74.30% LPR1.40% 93.50183.38276.88 5,792.57477.577.62%67.70%25.92%3.67%1.67%1.04% 3,921.76461.1210.52%59 1,501.4666.724.65%13.98% 212.5714.966.57%3.61%4 96.5240.8729.75%96 60.2627.3431.21%25.04%15 2,925.48384.0711.60%68.75%13.01%11.68%3.50%3.06% 2,011.23383.4416.01%32 380.6283.3617.97%56 341.8043.6414.64%50.19% 102.2238.4027.31%14.44%38 89.6177.49 991.96204.2425.93%25.70% 652.1825.224.02%16.90%0.17 117.220.380.33%94.414.134.57%72.859.1414.35%60.7615.9035.44% 339.78179.02111.36%116.9171.7194.0074.8626.484.0318.5421.4983.8557.97 23.72%0.43955.0311.151.18%577.8817.493.12%144.989.185.95%39.841.142.95% 1,076.62200.2522.85%290.2512.9420.777.8361.05 198.0381.7010.85%25% 644.433.869.52%1.546.13%1.0910.17%61.9159.81%0.1626.49%0.366.70%1.332.86%0.092.13% 627.441.606.20%16.459.201.74 15.671.248.59%4.4711.41%11.207.51% 9.102,317.772.61%6.15423.600.68%1.232,082.4520.38%1.05109.351.03%6,141.94862.9916.35% 1.741,075.096.59% 8,764.65214.962.51% 68,693.6627.99239.40%3.18% 12(PD)(LGD)(EAD) 1. 611.771.0910.17%1.0610.22%97.33%0.05245.342.67%0.05 610.999,612.849.59%4,696.401,005.7527.25% 69.138,815.5010.69%1.834.70%9,689.088,614.1752.94%47.06% 67.866.14 640.853.629.73%30.471.766.11%4.319,924.8029.93%9,517.632.915,265.3922.06%1.202,564.9227.21%74.59%2.5410.55%1.647.13%0.722.94%0.41 617.631.398.57%1.1959.86%11.833,833.113.35%1.1940.14%5,539.831.82%16.741.247.98%12.725,384.694.42% 63.582,408.947.20%A1,049.661,099.56 64.05815.132.06% 1.269,658.09 8,311.897,502.65 824.66750.66 20256302025630 20251,128.26174.731,747.86787.34826.58774.36156.3587.98 1+++625.157,416.5816.81%302,0009009(AIC)72237.027 202565.727,406.4014.88%772,355.562,500ESG443.6163.97%4.4332.58242.49134.44 63.743,341.219.80%36630.453.17%6App4.674,4901,50029913846.741.42,8001,50035%421.033,40020%168.8911.29%2,336.01235.2013.34 6,540.654.31%53.96%250 222 202596.96%2745.332.4314.40%5.221,048.47202568,523.771,009.7713.44% e 615.671.248.59%1.58%6.595,943.899.92%3.565,266.5617.35%1.791,661.0910.25%3.395,394.4718.92%9,273.51189.712.09%5,39413.226,884.326120 61,22658.851,72393.8111.833,833.113.35% 68,2004,700 5142,818.8772237.022,000e73,0001902025 66.821,878.904.999781,511141.4(STM)3,5001,3003,700 740.08 1.386.56%8,343.93421.033.1423.21%148+ SWIFT4.9946.46%1.7316.71%621.431,851.182,2011,088 2.0 69.102,317.772.61% ++67.7722.0417.631.398.57% 66.15 + 20% 66,141.94862.99 614.7212.6312.12297.52 66bilibili223361.291.031.30 61.05 64504.42 1+N+++66131.80 e248AUM63.1826.55 App67,4002058,806App2,060120App4,1301,276 639516.953.622,824.138.47%3.09% 63,610.6231163.0592.732.891,628 61.663.04 65.934,793.238.80%2.33648.342.86%3.604,144.8813.02% 1.614.90% 63,295.3761.48 201.72 93.14%4 65.731.691.431.410.680.40 ETF88718625.661.717.14%8480% 3462302,11412.31141063.201.116,782.12732.80 620628RCEP78.061 20135.56241.1844.850.48 20141.996110.1015.170.47 65.11176RCEP2864,874.10944.0637.31 70201660%20173.796147.4630.950.69 201342676.0812.551.46 20168.2266161.3517.690.51 201620180.51100% 17202568,468.5647.65 +2025614.124.670.38 2007110 2017270 202561,717.78315.0719.40 202561,229.79441.5211.95 20161090.20%4.90%4.90% 2025613.454.680.09 20191100%80.10%19.90% 20042075.10%24.90% 20256178.572.740.840.12 321.3320256474.4431.480.09 20046.01 201171.2051%19.90%16.14%4.90%4.85%3.21% IPO20256720.4594.967.551 202563,372.2449.596.102 201811.9675.25%24.75%100% 200910567%33% 202561.695,80020256448.82288.863.721 CCB20256116.253.572.21 20149.3680%20% 20237283.33%11.11%5.56% 20256126.7171.480.03 20256127.0112.990.34 2005265%25%10% 20152370%17.647%12.353% 202561.43120.39100.134.09 202566,806.9342.9035.991.57 20191505.601040%8.79% 201817.3092.50%2.50%2.50%2.50%100% 202561.41215.04207.528.25 2025671.8214.200.01 20221 20256124.401.431.280.09 1,429.0523.19(MPP)98.02% App11App+ 6274(RAG)WPSAI41.95%99%94.37%74.83%13 10,01445,165AI63,9904402,744 614,72714,17814,14323736213,7301135231765494231262024 80211241,58236,81013,18311,4677,089379113,788 ICR30% 2025App4.321.82%14.00% 1.661,40017256400 65.715.334.81 2.0399.95%5,000 4.290.88%1,6035.36% 315.064.34%10.53 AI69.96%10.73%16.75%6.23% ++ ESGESG 63,643.12196.211.33%0.011.81%0.08 61,200.228.390.44% 63,636.34324.380.05 64.06%14.69% (www.sse.com.cn)(www.hkexnews.hk)(www.ccb.cnwww.ccb.com)2025 99%1 2025 61.158,018.011.928,055.365 100100 2025 2025 2025684.97%73.33%89.64%2025122.06%6131.53%(www.sse.com.cn)(www.h