建设银行：2025年度业绩公告

2025 202512312025 20263 27 • 202632712 2025102.029530.792025202512102025101.858486.052025103.8871,016.8420252025 2025 3510121418 114 114115115119126127142144145145146147150150150151151153 21 154 157 157157158160161 109110 111 112 162 45 169 155256357472573685794 170 177 1542623644695716AI96 195410200510009392007960193920252,655.457 7.851,2732025378,34414,614 www.cs.com.cnwww.cnstock.comwww.stcn.comwww.zqrb.cn www.hkexnews.hk A601939H009391360030 11797927 1212-15 127 188 183171712-1716 482025625202612 316182025625202612 31 20252025457,408.713,397.90ROAROEA1,050MSCI ESGAAA 20257120 1,2737.85923 2025102.0292025103.887 RCEP 20263 27 2025 202545.6312.47%26.937.53%12.9020.72%41.9512.68%30.847.39%7,408.711.69%3,397.901.04%5.13%1.31%233.15%0.79%10.04%1.34%19.69%14.63%29.44% 29.41%6.7212.17%3.521.325.25719.8428AIC6.00MSCI ESGAAA3693.833.7115.36%+3985.468,919.26 13.97%7.85236.94127.4085.85%24.01%1.456.50120.3894.50 1.31%0.031.77%0.12 1,2731,789 29.44%0.1412.10%AI 20263 27 2026 22  20251405.0% 31  4%1.32025 41 41 202545.6312.47%26.937.53%41.9512.68%30.847.39%A1,0507,408.713,397.901.69%1.04%0.79%10.04%29.44%1.31%19.69% 20253,397.901.04%3,389.060.99%0.79%10.04% 20255,727.74171.082.90%77.31% 2025LPR1.34% 171.08444.95616.03 20251.15882.957.11%66.79%26.52%3.62%1.72%1.35% 7,702.61946.4110.94%59 3,058.36160.485.54%16.97% 418.1330.656.83%72.52% 198.0154.2721.51%93 155.5112.107.22%24 20255,804.88711.8710.92%66.61%14.69%11.62%3.57%3.51% 3,866.59721.6915.73%33 852.79124.5212.74%55 674.6636.065.65%31.91% 207.0364.3423.71%504.88% 26203.81162.62 20251,680.97294.0921.21%22.69% 20251,103.0753.795.13%14.89%0.49153.4167.6078.78%153.048.926.19% 1.202520252024 577.90240.3071.18%175.93136.02170.6861.9059.696.0739.338.32132.2756.77 202529.44%0.142,272.2534.461.54%1,366.4628.862.16%306.1414.114.41%91.388.7510.59% 20251,333.17126.1710.45%292.180.7813.2612.4850.8796.74 20250.422.56 2025408.3310.73%25% 202545.635.0612.47%1.897.53%2.2120.72%2.7159.01%1.9328.26%0.356.69%0.182.22%0.351.88% 202527.771.937.47%16.479.162.09509.71 15.691.268.70%4.245.51%11.469.93% 9.051,779.022.01%5.991,965.303.18%1.322,939.1228.77%1.01567.835.33%6,831.741,552.7929.41% 2.094,609.6128.25% 8,877.87328.183.84% 20258,460.3725.75233.15%3.06% 12(PD)(LGD)(EAD) 202512.902.2120.72%2.1220.51%96.38%0.17977.013.62%0.17 202511.841.8919.01%5,910.972,241.5561.09% 20259.981.7321.02%1.831,382.288.17%1.028,106.3555.71%44.29% 20258.877.16 2025 202541.954.7212.68%30.842.127.39%4.791.4744.38%1.452.592,069.298.67%1.497,510.141.101,537.1373.51%3.6211.41%2.506.18%0.233.56%1.572.62%0.09 202518.021.7810.95%1.7560.42%11.803,609.993.15%1.7539.58%5,573.211.80%17.171.6710.77%12.654,707.193.86% 20253.693,421.1210.23%A1,049.661,487.02 20254.202,314.105.84% 2025 2.101.76 1.761.07 1,637.901,709.88 202520251231 52  60  70  76 78 84 20252,272.39844.5922.19%3,435.511,546.1240.62%1,435.421,278.0333.58%265.39137.49 3 20255.258,341.6818.91%106182719.84282.43%(AIC)202528AIC 2025MSCI ESGAAA6.0010,227.6220.54%+ ESG20252,700ESG 202560015201644,997.22168.11% 471.6766.34%6.8202583435285.76 2015 20253.834,216.4412.37%36932.983.10%0.44 20255.324,7332,6601,57431714855.881.42.42,900 1,60050%App3,40020%463.90 ++3.0107,233.3515.36%2.0616.87%250 1.36235112,00020 7,400398 5.462.064,45213.69%3,00526193 AI98.73%5% 20258,919.261,405.2618.70% e 20251,2731059.02%1,7891609.83% 202515.691.268.70%1.53%6.727,295.7812.17%3.524,805.6215.83%1.822,010.5612.40%3.526,690.6623.46%9,055.836,59419.171.32 20257,7005,400 1 A 2022A3,000 B13+3,000 81 20252.33.88,000202511 202547202.1138%57%ABNABCPCBABNABCPREITs 20256,126.7385.85%47032.77%21131.0261.54%128.34%(AIC)202528AIC20252,665.28515.9824.01%3201,700e17.03 4496.12538.8713.45445.95620.4822.61 1 2025351.24 202544212.06 463.9020251.4527.47%6.50174.46+553.87 2 202581 +22.273,472.354,4061,7022025656.0113.97% 3 101490SWIFT20%FINPlusISO 3,951.012-32-3 2.0 財富管理客戶較上年增加803萬戶同比多增93萬戶 + — AI 20257.8523.0118.021.78 2 ++ + 202540 20259.051,779.022.01% 20255.99 20%20251.322,939.1228.77% 20256,831.741,552.7929.41% +++20251.01 +202514.9012.8424.48620.47 20256103.71 6611.1120251.011.262.56 3 202512306·+ 20255.0080393 20%AUM \2025 202539315.283.713,732.3011.20%3.01% 20256.106,495.6011.92%2.32498.352.20%3.785,997.2418.85% 20253,40020% 20257,62141612,000App3,190394App1,963 4 202513,39611.7 20251.743.03 2724 資產管理業務規模6.94萬億元 政府債券承銷超3萬億元 資產託管規模27.40萬億元 20251.30 2025320252.5 24++1120253,874.57 202512.13%4.92% 5 1,000 20256.942.361.741.530.750.44 2025(www.wealthccb.com) 4 202597304,000 20252852,20912.96 5 2004ABDVP724202516,738.86 ETF118 202527.403.4414.38%4.608.632.213.282.06 202520628120.38 2820255,027.08948.3962.33 2013422025106.2213.562.99 65.11176RCEP 20135.5 20173.792025159.6529.941.32 2025249.9743.590.31 20141.992025118.5214.711.11 20168.2262025163.3218.020.60 70201660%