中國建設銀行股份有限公司
半年度報告
2024 8 30 12
2024 0.197
2024
2024
i 52
52
3
57
5 60
7 60
61
9 62
9 62
9 62
18 62
27 63
27 63
28 64
31 64
34 65
39 66
42
44
48
67
67
67
67
67
68
68
69
70
72
74
74
74
75
75
75
76
2024年半年度報告 中國建設銀行股份有限公司 3
4 中國建設銀行股份有限公司 2024年半年度報告
APP
2006 2 15
2023 1 1 25
2018 1 1
9
2024年半年度報告 中國建設銀行股份有限公司 5
2022
2024 2023 6 30
6 30 6 30
(%)
374,831 388,155 (3.43) 389,877
296,059 312,185 (5.17) 317,669
62,696 70,601 (11.20) 70,247
(94,388) (95,987) (1.67) (94,036)
(87,654) (95,414) (8.13) (103,294)
17 46 (63.04) (81)
193,012 197,264 (2.16) 192,884
165,039 167,295 (1.35) 162,234
164,326 167,344 (1.80) 161,899
290,805 814,615 (64.30) 815,501
1
0.66 0.67 (1.49) 0.65
1.16 3.26 (64.42) 3.26
(%) +/(-)
2
0.84 0.92 (0.08) 1.01
1
10.82 11.95 (1.13) 12.62
1.54 1.79 (0.25) 2.09
16.73 18.19 (1.46) 18.02
3
24.15 23.72 0.43 23.18
1. 9 2010
2.
3.
6 中國建設銀行股份有限公司 2024年半年度報告
2022 12 31
2024 6 30 2023 12 31 (%)
40,294,387 38,324,826 5.14 34,600,711
24,629,185 23,083,377 6.70 20,493,042
37,038,911 35,152,752 5.37 31,724,467
28,707,067 27,654,011 3.81 25,020,807
3,255,476 3,172,074 2.63 2,876,244
3,234,661 3,150,145 2.68 2,855,450
250,011 250,011 – 250,011
1
3,038,387 2,944,386 3.19 2,706,459
1
198,867 200,088 (0.61) 140,074
1
937,833 876,187 7.04 793,905
1
4,175,087 4,020,661 3.84 3,640,438
1
21,690,492 22,395,908 (3.15) 19,767,834
12.14 11.80 2.88 10.86
(%) +/(-)
1
14.01 13.15 0.86 13.69
1
14.92 14.04 0.88 14.40
1
19.25 17.95 1.30 18.42
8.08 8.28 (0.20) 8.31
(%) +/(-)
1.35 1.37 (0.02) 1.38
2
238.75 239.85 (1.10) 241.53
2
3.22 3.28 (0.06) 3.34
1. 2024 6 30
2.
2024年半年度報告 中國建設銀行股份有限公司 7
CHINA CONSTRUCTION BANK CORPORATION CCB
25
3 28
25
100033
86-10-67597114
www.ccb.cn
www.ccb.com
95533
86-10-66215533
86-10-66218888
ir@ccb.com
www.cs.com.cn
www.cnstock.com
www.stcn.com
www.zqrb.cn
www.sse.com.cn
www.hkexnews.hk
8 中國建設銀行股份有限公司 2024年半年度報告
A
601939
H
939
1
360030
1 17
979 27
1 2 12-14
1 27
A
188
H
183 17 1712-1716
2024年半年度報告 中國建設銀行股份有限公司 9
2024
5.0%
6 M2 8.1% 6.2%
(LPR)
40.29 5.14%
24.63 6.70% 37.04 5.37% 28.71
3.81% 3,748.31 1,650.39 0.84%
10.82% 24.15% 19.25% 1.35%
1,930.12 2.16% 1,650.39 1.35%
LPR 161.26
5.17% 79.05 11.20%
1.67% 24.15%
876.37 8.11%
2024 2023
6 30 6 30 (%)
296,059 312,185 (5.17)
78,772 75,970 3.69
62,696 70,601 (11.20)
374,831 388,155 (3.43)
(94,388) (95,987) (1.67)
(87,654) (95,414) (8.13)
17 46 (63.04)
206 464 (55.60)
193,012 197,264 (2.16)
(27,973) (29,969) (6.66)
165,039 167,295 (1.35)
10 中國建設銀行股份有限公司 2024年半年度報告
2,960.59 161.26 5.17%
78.98%
2024 6 30 2023 6 30
(%) (%)
24,824,644 438,288 3.55 22,436,735 435,577 3.94
9,180,919 143,474 3.14 8,208,452 135,769 3.34
2,719,203 22,753 1.68 2,749,571 22,554 1.65
903,699 13,739 3.06 853,686 12,528 2.96
940,772 8,760 1.87 1,104,376 10,325 1.89
38,569,237 627,014 3.27 35,352,820 616,753 3.53
(811,884) (757,646)
1,832,356 2,003,947
39,589,709 627,014 36,599,121 616,753
28,031,718 239,467 1.72 26,030,664 228,496 1.77
3,650,883 46,398 2.56 3,214,655 37,681 2.36
1,806,204 29,816 3.32 1,679,280 26,058 3.13
1,095,506 14,062 2.58 809,741 10,928 2.72
71,932 1,212 3.39 92,503 1,405 3.06
34,656,243 330,955 1.92 31,826,843 304,568 1.93
1,661,394 1,840,228
36,317,637 330,955 33,667,071 304,568
296,059 312,185
1.35 1.60
1.54 1.79
LPR
1.54%
2024年半年度報告 中國建設銀行股份有限公司 11
1 1
46,494 (43,783) 2,711
15,964 (8,259) 7,705
(235) 434 199
768 443 1,211
(1,461) (104) (1,565)
61,530 (51,269) 10,261
17,488 (6,517) 10,971
5,366 3,351 8,717
2,084 1,674 3,758
3,719 (585) 3,134
(334) 141 (193)
28,323 (1,936) 26,387
33,207 (49,333) (16,126)
1.
161.26 332.07
493.33
12 中國建設銀行股份有限公司 2024年半年度報告
6,270.14 102.61 1.66%
69.90% 22.88% 3.63% 2.19% 1.40%
2024 6 30 2023 6 30
(%) (%)
23,925,618 411,696 3.46 21,440,899 409,250 3.87
14,266,572 232,806 3.28 12,293,986 215,174 3.56
4,008,746 61,651 3.09 3,440,181 52,778 3.12
10,257,826 171,155 3.36 8,853,805 162,396 3.73
8,702,325 173,024 4.00 8,290,477 188,124 4.59
1,294,824 23,559 3.66 1,036,080 19,343 3.76
7,407,501 149,465 4.06 7,254,397 168,781 4.69
956,721 5,866 1.23 856,436 5,952 1.40
899,026 26,592 5.95 995,836 26,327 5.33
24,824,644 438,288 3.55 22,436,735 435,577 3.94
4,382.88 27.11 0.62%
10.64% 39
1,434.74 77.05 5.68%
11.85% 20
227.53 1.99 0.88%
3
137.39 12.11 9.67%
5.86% 10
87.60 15.65 15.16%
14.81%
2024年半年度報告 中國建設銀行股份有限公司 13
3,309.55 263.87 8.66%
72.36% 14.02%
9.01% 4.25% 0.36%
2024 6 30 2023 6 30
(%) (%)
12,092,390 102,986 1.71 11,614,180 99,317 1.72
6,319,321 29,601 0.94 6,520,749 30,778 0.95
5,773,069 73,385 2.56 5,093,431 68,539 2.71
15,406,033 125,698 1.64 13,897,016 121,624 1.76
5,655,269 6,678 0.24 5,330,391 6,584 0.25
9,750,764 119,020 2.45 8,566,625 115,040 2.71
533,295 10,783 4.07 519,468 7,555 2.93
28,031,718 239,467 1.72 26,030,664 228,496 1.77
2,394.67 109.71 4.80%
7.69% 5
463.98 87.17 23.13%
13.57%
298.16 37.58 14.42%
7.56%
140.62 31.34 28.68%
35.29%
12.12 1.93 13.74%
22.24%
14 中國建設銀行股份有限公司 2024年半年度報告
2024 2023
6 30 6 30 (%)
68,727 77,474 (11.29)
(6,031) (6,873) (12.25)
62,696 70,601 (11.20)
16,076 5,369 199.42
78,772 75,970 3.69
787.72 28.02 3.69%
21.02%
2024 2023
6 30 6 30 (%)
68,727 77,474 (11.29)
20,093 20,685 (2.86)
11,684 11,872 (1.58)
10,625 10,285 3.31
9,028 13,549 (33.37)
6,371 8,675 (26.56)
4,486 5,837 (23.15)
6,440 6,571 (1.99)
(6,031) (6,873) (12.25)
62,696 70,601 (11.20)
626.96 79.05 11.20%
16.73%
106.25 3.40 3.31%
45.21 33.37%
23.04 26.56%
13.51 23.15%
2024年半年度報告 中國建設銀行股份有限公司 15
2024 2023
6 30 6 30 (%)
4,520 542 733.95
4,003 3,766 6.29
3,051 3,568 (14.49)
1,914 (44)
2,588 (2,463)
16,076 5,369 199.42
160.76 107.07 199.42% 45.20
39.78
40.03 2.37 30.51
5.17 19.14 19.58
25.88 50.51
2024 2023
6 30 6 30 (%)
56,039 56,225 (0.33)
15,416 15,251 1.08
3,870 3,933 (1.60)
19,063 20,578 (7.36)
94,388 95,987 (1.67)
(%) 24.15 23.72 0.43
24.15% 0.43
943.88 15.99 1.67%
560.39 154.16 1.65
1.08% 38.70 0.63 1.60%
190.63 15.15 7.36%
16 中國建設銀行股份有限公司 2024年半年度報告
2024 2023
6 30 6 30 (%)
86,036 91,592 (6.07)
1,066 63 1,592.06
819 (802)
247 865 (71.45)
535 3,713 (85.59)
87,637 95,368 (8.11)
876.37 77.31 8.11%
55.56 10.03
16.21
6.18 31.78
279.73 19.96 14.49% 25%
2024年半年度報告 中國建設銀行股份有限公司 17
2024 6 30 2023 6 30
(%) (%)
63,561 16.96 67,382 17.36
53,751 14.34 62,842 16.19
58,670 15.65 62,348 16.06
61,796 16.49 68,273 17.59
62,558 16.69 66,913 17.24
15,388 4.11 16,342 4.21
49,609 13.23 34,011 8.76
9,498 2.53 10,044 2.59
374,831 100.00 388,155 100.00
2024 6 30 2023 6 30
(%) (%)
35,749 18.52 37,016 18.76
29,635 15.35 33,380 16.92
30,685 15.90 34,492 17.48
29,385 15.22 38,310 19.42
29,905 15.49 33,175 16.82
6,920 3.59 8,022 4.07
25,470 13.20 7,706 3.91
5,263 2.73 5,163 2.62
193,012 100.00 197,264 100.00
18 中國建設銀行股份有限公司 2024年半年度報告
2024 6 30 2023 12 31
(%) (%)
25,444,306 63.15 23,861,600 62.26
(815,121) (2.03) (778,223) (2.03)
24,629,185 61.12 23,083,377 60.23
9,924,199 24.63 9,638,276 25.15
3,193,580 7.92 3,066,058 8.00
889,728 2.21 979,498 2.55
829,149 2.06 823,488 2.15
1
828,546 2.06 734,129 1.92
40,294,387 100.00 38,324,826 100.00
1.
6 40.29 1.97 5.14%
1.58 6.63%
2,859.23 2.97%
1,275.22 4.16%
897.70 9.16%
0.69%
2024年半年度報告 中國建設銀行股份有限公司 19
6 25.44 15.41
8.86 1.12 60.70% 34.88%
4.42%
2024 6 30 2023 12 31
(%) (%)
24,563,003 96.54 23,006,496 96.42
14,682,636 57.71 13,225,655 55.43
4,261,129 16.75 3,594,305 15.06
10,421,507 40.96 9,631,350 40.37
8,757,736 34.42 8,676,054 36.36
6,310,059 24.80 6,386,525 26.76
1,000,356 3.93 997,133 4.18
1
885,767 3.48 777,481 3.26
480,597 1.89 421,623 1.77
2
80,957 0.32 93,292 0.39
1,122,631 4.41 1,104,787 4.63
829,248 3.26 804,486 3.37
52,055 0.20 50,618 0.21
25,444,306 100.00 23,861,600 100.00
1.
2.
14.68 1.46 11.02% 4.26
10.42
8.76 816.82 0.94% 6.31
764.66 1.20% 1.00 32.23 0.32%
8,857.67 1,082.86 13.93% 4,805.97
589.74 13.99%
1.12 178.44 1.62%
8,292.48 247.62 3.08%
20 中國建設銀行股份有限公司 2024年半年度報告
2024 6 30 2023 12 31
(%) (%)
5,119,798 20.12 4,703,648 19.71
4,175,936 16.41 3,936,980 16.50
4,302,947 16.91 4,058,595 17.01
4,273,038 16.80 3,993,891 16.74
4,702,740 18.48 4,440,785 18.61
1,040,035 4.09 975,595 4.09
1,069,855 4.21 1,026,719 4.30
707,902 2.78 674,769 2.83
52,055 0.20 50,618 0.21
25,444,306 100.00 23,861,600 100.00
2024 6 30 2023 12 31
(%) (%)
11,076,826 43.54 9,976,510 41.81
3,314,818 13.03 3,010,073 12.61
9,287,599 36.50 9,202,161 38.56
1,713,008 6.73 1,622,238 6.81
52,055 0.20 50,618 0.21
25,444,306 100.00 23,861,600 100.00
2024年半年度報告 中國建設銀行股份有限公司 21
2024 6 30
2024 1 1 363,424 190,295 224,504 778,223
12,025 (11,341) (684) –
(5,233) 7,355 (2,122) –
(2,245) (16,369) 18,614 –
102,779 – – 102,779
(75,691) (15,967) (29,842) (121,500)
(15,809) 49,560 48,188 81,939
– – (35,689) (35,689)
– – 9,369 9,369
2024 6 30 379,250 203,533 232,338 815,121
6
8,151.21
35.77 238.75% 3.22%
12
(PD) (LGD) (EAD)
22 中國建設銀行股份有限公司 2024年半年度報告
2024 6 30 2023 12 31
(%) (%)
587,590 5.92 602,303 6.25
6,961,515 70.15 6,801,242 70.56
2,375,094 23.93 2,234,731 23.19
9,924,199 100.00 9,638,276 100.00
2024 6 30 2023 12 31
(%) (%)
1
9,646,579 97.20 9,388,324 97.41
277,620 2.80 249,952 2.59
9,924,199 100.00 9,638,276 100.00
1.
6 9.92 2,859.23 2.97%
2,582.55 2.75% 97.20% 0.21
276.68 2.80% 0.21
2024 6 30 2023 12 31
(%) (%)
9,252,691 95.92 9,028,172 96.16
233,586 2.42 228,917 2.44
64,602 0.67 49,953 0.53
95,700 0.99 81,282 0.87
9,646,579 100.00 9,388,324 100.00
6 9.25 2,245.19 2.49% 3,938.88
337.36 9.37%
2024年半年度報告 中國建設銀行股份有限公司 23
2024 6 30 2023 12 31
(%) (%)
7,587,805 78.66 7,395,390 78.77
970,151 10.06 899,880 9.59
662,269 6.86 682,666 7.27
59,024 0.61 43,182 0.46
367,330 3.81 367,206 3.91
9,646,579 100.00 9,388,324 100.00
6 7.59 1,924.15 2.60%
1.63 3.15% 9,701.51 7.81%
(%) 1
2019 17,440 3.75 2029-01-25 –
2020 16,400 3.74 2030-11-16 –
2019 16,120 3.86 2029-05-20 –
2020 15,980 3.23 2030-03-23 –
2020 15,510 2.96 2030-04-17 –
2021 14,270 3.52 2031-05-24 –
2020 13,846 3.34 2025-07-14 –
2021 13,780 3.48 2028-02-04 –
2019 13,100 3.48 2029-01-08 –
2021 13,080 3.38 2031-07-16 –
1.
6 10.98 7.22
24 中國建設銀行股份有限公司 2024年半年度報告
2024 6 30 2023 12 31
(%) (%)
28,707,067 77.51 27,654,011 78.67
3,900,936 10.53 3,199,788 9.10
2,207,124 5.96 1,895,735 5.39
1,102,834 2.98 1,155,634 3.29
52,705 0.14 234,578 0.67
1
1,068,245 2.88 1,013,006 2.88
37,038,911 100.00 35,152,752 100.00
1.
6
37.04 1.89 5.37%
28.71 1.05 3.81% 3.90
7,011.48 21.91% 2.21 3,113.89
16.43% 1.10 4.57%
77.51% 1.16
10.53% 1.43 5.96% 0.57
2.98% 0.31
2024年半年度報告 中國建設銀行股份有限公司 25
2024 6 30 2023 12 31
(%) (%)
11,830,437 41.21 11,858,660 42.88
6,351,243 22.12 6,471,218 23.40
5,479,194 19.09 5,387,442 19.48
15,879,487 55.32 14,865,359 53.75
5,823,593 20.29 5,551,678 20.07
10,055,894 35.03 9,313,681 33.68
566,933 1.97 499,285 1.81
430,210 1.50 430,707 1.56
28,707,067 100.00 27,654,011 100.00
6 15.88 1.01 6.82% 1.68
57.31% 11.83 282.23
0.24% 1.68 42.69% 5,669.33
676.48 1.97% 0.16 15.54
8,339.65 5.67% 12.17 1,519.40
1.26%
2024 6 30 2023 12 31
(%) (%)
5,444,122 18.96 5,402,635 19.54
4,194,561 14.61 4,132,280 14.94
5,373,365 18.72 5,030,828 18.19
5,331,653 18.57 5,059,057 18.30
5,480,279 19.09 5,266,200 19.04
1,902,499 6.63 1,848,350 6.68
15,043 0.05 15,583 0.06
535,335 1.87 468,371 1.69
430,210 1.50 430,707 1.56
28,707,067 100.00 27,654,011 100.00
26 中國建設銀行股份有限公司 2024年半年度報告
2024 6 30 2023 12 31
250,011 250,011
199,968 199,968
59,977 59,977
139,991 139,991
135,642 135,619
44,152 23,981
369,906 369,906
496,476 496,255
1,738,506 1,674,405
3,234,661 3,150,145
20,815 21,929
3,255,476 3,172,074
6 3.26 834.02 2.63%
641.01
6
3.99 1,557.48 4.07%
2024年半年度報告 中國建設銀行股份有限公司 27
2024 6 30 2023 12 31
(%) (%)
6,986,717 17.34 6,592,603 17.20
5,406,552 13.42 5,178,016 13.51
8,380,365 20.80 8,274,479 21.59
5,690,606 14.12 5,394,311 14.08
5,897,094 14.64 5,627,618 14.68
2,074,504 5.15 1,979,268 5.16
13,503,348 33.51 13,141,981 34.29
1,834,481 4.55 1,734,037 4.52
(9,479,280) (23.53) (9,597,487) (25.03)
40,294,387 100.00 38,324,826 100.00
2,908.05 5,238.10
809.24 4,903.14
74.00 23.03
2024 6 30
2024 6 30
28 中國建設銀行股份有限公司 2024年半年度報告
2024 1,133.03 193.30
1,718.48 979.46 786.46 721.54
110.34 35.82
STAR
6 1.80
1,971.61 12.31% 21 63.82
2,000
2024年半年度報告 中國建設銀行股份有限公司 29
6 4.46 5,797.46
14.93%
37 594.94
20 58.44 201.66 12
288.28 5 105 +
ESG
6 2,000 ESG
431.75 53.53%
279
248
236.80
6 3.29 2,523.21
8.29% 342 24.59
3.61%
6
APP 3.5 4,000 1,300
1.4 2 2,700
336.50
30 中國建設銀行股份有限公司 2024年半年度報告
60
2024
2024
44,985
RPA AI
+
2024年半年度報告 中國建設銀行股份有限公司 31
6
14.68
1.46 11.02% 1.69%
3.05 3,459.36
e 12.79%
1.63 1,804.52
12.46% 5.87
4,717.66 8.74% 2.72
4,748.99 21.19%
9,107.26
567.70 6.65% 5,049
11.93 6,381.06
6 1,134 6
52.58 1,600
90.26 8,000
5,000
6
11.83 282.23
0.24%
32 中國建設銀行股份有限公司 2024年半年度報告
6 6.79 6
5,971.81 9,573
2,076
135 37
e 10
2,800 5.0
12.97
42 373.84
10,000
21
1 3,000
166.86
1,164
2024
3,600
29
1,400
4.92 REITs
CB
1,161 23
2,001 2
255.22 255.22 1
3.57
34.19 3
41.05
96.88 2
9.99 68.27
1
1.32 8.06
2024年半年度報告 中國建設銀行股份有限公司 33
1.18 + +
8.20% 8,192.18
23.71%
126
2.55 20
36.66%
100
+
149 174.10
(RCEP)
149.81 3.41
3.14% 1.48
25.62%
2024
34 中國建設銀行股份有限公司 2024年半年度報告
2.0
+ + +
+
+ +
AI
6
15.88 1.01
6.82%
7.62 19.74
2024年半年度報告 中國建設銀行股份有限公司 35
6
8.76
816.82 0.94%
1+N
+ 6
584 24.21
6
14.29
2.35 12.64
12.08 285.29
36 中國建設銀行股份有限公司 2024年半年度報告
6
429
145
666
6 1.31
1.04
1.38
2024年半年度報告 中國建設銀行股份有限公司 37
e
6,800
3,661
2,402.45
APP 1,696
1,158.02
1,184.33
820
6
2.70 6.93%
23.54 10.59% 2,800 6
4,691.72 879.66
23.08% 121
22.94%
2024 1 6
3.38
2,939.02 9.54%
428 3.45%
7,414.18
1,362.12 22.51%
38 中國建設銀行股份有限公司 2024年半年度報告
6
3,499.99
1,600 28
126.93 72.39
2.28
11 331.10 219.79
1,500
3,400
6 1.47
3.03
2024年半年度報告 中國建設銀行股份有限公司 39
10.72
23
10%
6%
49.39
53.62% 670 6
1,963.02
1.21
40 中國建設銀行股份有限公司 2024年半年度報告
6 5.20
1.50 1.29 1.30 0.62 0.35
6 1.57 1.50 663.47
1.50 95.76%
0.79 1.24 2,564.70
1.27 84.61% 2,308.34 15.39%
476.68 71.85% 186.79
28.15%
2024
2023 12 31 2024 6 30
1,100 1,499,121 338 1,818,477 411 1,817,750 1,027 1,499,848
2 79,443 – 94,660 – 107,756 2 66,347
1,102 1,578,564 338 1,913,137 411 1,925,506 1,029 1,566,195
2024 6 30 2023 12 31
(%) (%) (%) (%) (%) (%)
831,702 53.48 23,776 28.37 855,478 52.20 907,809 58.73 31,462 32.01 939,271 57.14
485,602 31.23 7,452 8.89 493,054 30.08 478,169 30.94 7,942 8.08 486,111 29.57
6,421 0.41 11,181 13.34 17,602 1.07 23,643 1.53 11,799 12.01 35,442 2.16
6,667 0.43 36,916 44.05 43,583 2.66 11,714 0.76 43,586 44.35 55,300 3.36
1
224,795 14.45 4,482 5.35 229,277 13.99 124,247 8.04 3,492 3.55 127,739 7.77
1,555,187 100.00 83,807 100.00 1,638,994 100.00 1,545,582 100.00 98,281 100.00 1,643,863 100.00
1. QDII
2024年半年度報告 中國建設銀行股份有限公司 41
7.69
691
14
ETF
6 23.16
2.27 10.89%
6
132 2,007 10.72
CTS
CTS
6 CTS
9,153 305
2.69
4,337.06 5,119.81
10.00
42 中國建設銀行股份有限公司 2024年半年度報告
6 2009
20 7 2 15
28
RCEP
49.66 6
38.53 38.53
0.00
2013
42
65.11 176
6 80.68
RCEP 8.13 0.95
2013
5.5
6
30 6
235.23 40.98
4,695.15 748.63
0.88
25.30
2014
1.99
6
121.80 14.43 0.61
2024年半年度報告 中國建設銀行股份有限公司 43
2016
8.226 72
2016 60%
2017
3.79
6
143.78 14.88
0.12 6 139.81
29.70 0.67
44 中國建設銀行股份有限公司 2024年半年度報告
2016 2018
0.51
17 100%
6
8,197.72
63.98
+
6 14.98
4.49 0.61
2007 110
2017
270
6
1,468.39 263.56
15.64
6 1,303.61
416.14 21.09
2016 10
2019
90.20% 4.90% 4.90% 1 100%
80.10% 19.90%
6
12.57
4.50 0.02 6
158.65
2.14 0.60 0.06
2024年半年度報告 中國建設銀行股份有限公司 45
2004
6.01 6
3,010.60
40.54 6.55
2018
IPO 11.96
75.25%
6 797.05 24.75%
136.11 1.42
100%
CCB
2004
6 131.97 7.31
20
0.95
75.10% 24.90%
2023
72
83.33% 11.11% 5.56%
222.37 6
362.77 31.08
0.50
6
73.64 71.98
2011
0.63
71.20
51% 19.90% 16.14% 4.90% 4.85% 3.21%
46 中國建設銀行股份有限公司 2024年半年度報告
6
101.53 12.75 0.33
2005
2
65% 25% 10%
2015
23
6 1.29 70% 17.647%
109.25 93.98 12.353%
4.13
2009
105
67% 33% 6
6,187.23 41.68
33.41 1.17
2019 150
6
1.30
1,500
6 415.45 4 10 40%
290.62 6.52 8.97%
2014 6 1.50
9.36 211.90 203.93
80% 20% 9.17
2024年半年度報告 中國建設銀行股份有限公司 47
2022
1 2018
17.30 2021
6 92.50%
133.95 1.16 0.80 2.50% 2.50% 2.50%
0.26
100%
6 80.46
14.16 49
48 中國建設銀行股份有限公司 2024年半年度報告
80%
65%
92%
79
460
500PFlops
1PFLOPS 1 4
(GPU) 20% 20
2024年半年度報告 中國建設銀行股份有限公司 49
6
99.6%
IT
100%
6 2,679 511 1,643
6 14,836 14,253 14,219
2 37 362 13,794 23
34 24 17 7 583
451 132 2023
2024 6 30 2023 12 31
(%) (%)
2,247 15.15 2,249 15.10
1,821 12.27 1,829 12.28
2,382 16.05 2,385 16.01
3,427 23.10 3,431 23.03
2,951 19.89 2,959 19.87
1,387 9.35 1,398 9.38
4 0.03 4 0.03
34 0.23 34 0.23
583 3.93 606 4.07
14,836 100.00 14,895 100.00
50 中國建設銀行股份有限公司 2024年半年度報告
14
10
83 33 6 160
142 6
84 5.51
45,003 41,805 5.05 1.36
4.58
14,468
13,019 160
983 280 2024
1,800
13,878 +
HarmonyOS NEXT
App
6 308
4.14 1.04%
98%
27.98
10.59%
65.67
30
1.39
37.59 153
12.67
(RPA)
33
2024年半年度報告 中國建設銀行股份有限公司 51
4.20 0.99% 1,487 2.57 98.81%
5.52% 3,889
4
5,000
(MVP)
4.58 2.29%
301.96 10.55 +
6
15.12%
15.41%
52 中國建設銀行股份有限公司 2024年半年度報告
STAR
ESG ESG
PD LGD
2024年半年度報告 中國建設銀行股份有限公司 53
2024 6 30 2023 12 31
(%) (%)
24,523,017 96.58 22,903,949 96.19
526,330 2.07 581,777 2.44
136,111 0.53 126,691 0.53
100,548 0.40 99,597 0.42
106,245 0.42 98,968 0.42
25,392,251 100.00 23,810,982 100.00
342,904 325,256
1.35 1.37
6
3,429.04 176.48 1.35% 0.02
2.07% 0.37
54 中國建設銀行股份有限公司 2024年半年度報告
2024 6 30 2023 12 31
(%) (%)
24,563,003 321,496 1.31 23,006,496 305,220 1.33
14,682,636 247,782 1.69 13,225,655 248,126 1.88
4,261,129 77,293 1.81 3,594,305 69,554 1.94
10,421,507 170,489 1.64 9,631,350 178,572 1.85
8,757,736 73,714 0.84 8,676,054 57,094 0.66
6,310,059 34,277 0.54 6,386,525 26,824 0.42
1,000,356 18,594 1.86 997,133 16,541 1.66
885,767 13,870 1.57 777,481 7,424 0.95
480,597 4,320 0.90 421,623 3,630 0.86
80,957 2,653 3.28 93,292 2,675 2.87
1,122,631 – – 1,104,787 – –
829,248 21,408 2.58 804,486 20,036 2.49
25,392,251 342,904 1.35 23,810,982 325,256 1.37
2024 6 30 2023 12 31
(%) (%)
5,119,798 40,056 0.78 4,703,648 36,544 0.78
4,175,936 83,174 1.99 3,936,980 80,208 2.04
4,302,947 42,713 0.99 4,058,595 40,809 1.01
4,273,038 66,974 1.57 3,993,891 64,726 1.62
4,702,740 50,163 1.07 4,440,785 46,204 1.04
1,040,035 27,664 2.66 975,595 27,433 2.81
1,069,855 18,653 1.74 1,026,719 16,608 1.62
707,902 13,507 1.91 674,769 12,724 1.89
25,392,251 342,904 1.35 23,810,982 325,256 1.37
2024年半年度報告 中國建設銀行股份有限公司 55
2024 6 30 2023 12 31
(%) (%) (%) (%)
24,563,003 96.73 321,496 1.31 23,006,496 96.62 305,220 1.33
14,682,636 57.82 247,782 1.69 13,225,655 55.54 248,126 1.88
2,719,213 10.71 47,244 1.74 2,446,233 10.27 44,571 1.82
2,357,922 9.29 19,004 0.81 2,231,294 9.37 21,157 0.95
2,286,484 9.00 34,858 1.52 2,070,294 8.69 37,425 1.81
1,528,172 6.02 10,525 0.69 1,380,505 5.80 10,680 0.77
1,480,916 5.83 31,390 2.12 1,357,274 5.70 25,907 1.91
910,726 3.59 47,387 5.20 853,956 3.59 48,158 5.64
802,636 3.16 8,043 1.00 740,150 3.11 9,991 1.35
718,460 2.83 15,902 2.21 622,505 2.61 16,387 2.63
354,730 1.40 17,234 4.86 326,474 1.37 18,309 5.61
208,048 0.82 3,001 1.44 191,762 0.81 3,367 1.76
106,317 0.41 550 0.52 101,367 0.42 224 0.22
1,209,012 4.76 12,644 1.05 903,841 3.80 11,950 1.32
8,757,736 34.49 73,714 0.84 8,676,054 36.44 57,094 0.66
1,122,631 4.42 – – 1,104,787 4.64 – –
829,248 3.27 21,408 2.58 804,486 3.38 20,036 2.49
25,392,251 100.00 342,904 1.35 23,810,982 100.00 325,256 1.37
2024 6 30 2023 12 31
(%) (%)
92,723 0.37 53,824 0.23
1.
6 927.23 388.99
0.37%
56 中國建設銀行股份有限公司 2024年半年度報告
2024 6 30 2023 12 31
(%) (%)
3 96,759 0.38 83,625 0.35
3 6 68,520 0.27 41,107 0.17
6 1 53,456 0.21 53,943 0.23
1 3 84,004 0.33 72,670 0.31
3 21,006 0.08 14,511 0.06
323,745 1.27 265,856 1.12
6 3,237.45 578.89
0.15
(%) 2024 6 30 2023 12 31 2022 12 31
1.21 1.66 1.57
16.43 12.21 11.81
63.56 44.86 35.85
51.87 44.84 39.63
1. 2022
6 4.32%
15.97%
(%) 2024 6 30 2023 12 31 2022 12 31
4.32 4.42 4.50
15.97 14.87 14.87
2024年半年度報告 中國建設銀行股份有限公司 57
2024 6 30
(%)
A 180,568 0.71
B 95,100 0.38
C 76,170 0.30
D 66,000 0.26
E 55,902 0.22
F 44,112 0.18
G 38,998 0.15
H 38,529 0.15
I 35,624 0.14
J 35,551 0.14
666,554 2.63
99% 1
2024 6 30 2023 6 30
6 30 6 30
252 254 321 218 239 208 246 176
34 31 38 22 54 49 68 29
242 243 315 203 236 196 244 154
1 1 6 – 1 2 59 –
58 中國建設銀行股份有限公司 2024年半年度報告
3 3 1 1 5 5
2024 6 30 286,801 (7,734,027) 9,941,658 (3,937,451) 4,698,495 3,255,476
2024 6 30 (7,734,027) 2,207,631 (1,729,820) 2,968,675
2023 12 31 256,960 (4,133,890) 6,172,381 (3,989,543) 4,866,166 3,172,074
2023 12 31 (4,133,890) 2,038,491 (1,951,052) 2,915,114
6 2.21 1,691.40
7,610.44 1,155.79
2024年半年度報告 中國建設銀行股份有限公司 59
100 100
100 100 100 100
2024 6 30 (71,838) 71,838 72,732 (72,732)
2023 12 31 (51,907) 51,907 89,293 (89,293)
2024 6 30 2023 12 31
1,082,284 342,832 399,961 1,825,077 1,056,484 332,056 443,799 1,832,339
(1,081,396) (540,036) (245,097) (1,866,529) (1,089,924) (441,868) (282,838) (1,814,630)
2,971,927 352,354 (143,044) 3,181,237 1,873,971 210,735 105,261 2,189,967
(2,955,162) (102,345) 23,037 (3,034,470) (1,870,891) (65,420) (237,857) (2,174,168)
(48,124) (3) (2,835) (50,962) (12,457) (1) (32) (12,490)
(30,471) 52,802 32,022 54,353 (42,817) 35,502 28,333 21,018
6 543.53 333.35
60 中國建設銀行股份有限公司 2024年半年度報告
III
(%) 2024 6 30 2023 12 31 2022 12 31
1
≥25 72.41 69.20 62.94
≥25 72.19 77.40 80.23
2
88.14 85.12 83.62
1.
2.
2024年半年度報告 中國建設銀行股份有限公司 61
2024 2024 2023
(%)1 125.43 134.46 133.17
2024 6 30 2024 3 31 2023 12 31
(%) 134.99 127.85 127.32
1.
2024 6 72.41% 72.19% 88.14% 2024
125.43% 6 134.99%
(www.sse.com.cn)
(www.hkexnews.hk) (www.ccb.cn www.ccb.com) 2024
1
1 3 3 1 1 5 5
2024 6 30 3,085,248 (12,760,095) (252,041) (915,574) (668,226) 2,103,875 12,662,289 3,255,476
2023 12 31 3,126,852 (12,622,851) (762,670) (768,644) (122,754) 1,637,856 12,684,285 3,172,074
2024 6
3.26
62 中國建設銀行股份有限公司 2024年半年度報告
2024年半年度報告 中國建設銀行股份有限公司 63
ESG
ESG ESG
ESG
ESG
IT
64 中國建設銀行股份有限公司 2024年半年度報告
648.24 500
2023
2024 1 1
2014
2020 4
6 19.25% 14.92%
14.01%
1.30 0.88 0.86
2024 6 30 2023 12 31
3,038,387 2,944,386
3,237,254 3,144,474
4,175,087 4,020,661
21,690,492 22,395,908
(%) 14.01 13.15
(%) 14.92 14.04
(%) 19.25 17.95
1. 2024 1 1
2024
1 1 2023 12 31
2. (www.sse.com.cn)
(www.hkexnews.hk) (www.ccb.cn www.ccb.com) 2024
2024年半年度報告 中國建設銀行股份有限公司 65
2024 1 1
2024 6 30 7.65%
2024 6 30 2023 12 31
(%) 7.65 7.83
3,237,254 3,144,474
42,314,726 40,137,194
1. 2024 1 1 2023 12 31
2. (www.sse.com.cn) (www.hkexnews.hk)
(www.ccb.cn www.ccb.com) 2024
66 中國建設銀行股份有限公司 2024年半年度報告
2024
2024年半年度報告 中國建設銀行股份有限公司 67
C1
12 3
2024 6 27 2023
2023 4
2023 2024 5
2024
2024
2024 6 27
5 1
1
2024 6 28
3
2024 4 29 2024
8
2024 4 29
2024 4 30
2024 3
2024 7
2023 2024 6
100%
2024 6 2023
2024 3
2024 1
2024 8
2024 6
68 中國建設銀行股份有限公司 2024年半年度報告
2024 5
2024 5 2024 5
2024 5
2024 3 2024 1
2024 5
2024 5
2024 6 Rendeavour
2024 4
C3
2024 6 30 2023 12 31
(%) (%)
53,025 14.25 53,411 14.17
44,525 11.97 45,172 11.99
58,138 15.62 58,337 15.48
70,427 18.93 71,514 18.98
74,811 20.11 75,696 20.09
32,463 8.72 33,242 8.82
1
14,736 3.96 14,787 3.92
1,277 0.34 1,365 0.36
22,679 6.10 23,347 6.19
17,989 4.84 18,252 4.84
4,690 1.26 5,095 1.35
372,081 100.00 376,871 100.00
1.
6 372,081 349,402 22,679
299,260 80.43% 3,471 4.22%
118,876
2024年半年度報告 中國建設銀行股份有限公司 69
10%
12 7
33.45
36.86
98.20%
2007 7
2007 7 6
2023 2024 7 11
2023
0.400 1,000.04
2024
0.197 492.52
2024
29.97% 2024
2024
2024
70 中國建設銀行股份有限公司 2024年半年度報告
(ESG)
2024 8 2024
2024 6
1.15
766.55 7.11%
1,442.66 96.26
7.15%
2.97
2024 6
293
2024年半年度報告 中國建設銀行股份有限公司 71
+
11.29
33.6%
72 中國建設銀行股份有限公司 2024年半年度報告
2004 9
(1)
(2)
2016 4 6
2024 6 30
2024年半年度報告 中國建設銀行股份有限公司 73
2024 5
215
10 6.25%
2024 5 27 2024 7
10.75
2024
2024
2024
74 中國建設銀行股份有限公司 2024年半年度報告
2024 1 1 +/(-) 2024 6 30
(%) (%)
1. 9,593,657,606 3.84 – – – – – 9,593,657,606 3.84
2. 95,231,418,499 38.09 – – – – – 95,231,418,499 38.09
3. 1
145,185,901,381 58.07 – – – – – 145,185,901,381 58.07
250,010,977,486 100.00 – – – – – 250,010,977,486 100.00
1. H
303,899 H 38,153 A 265,746
303,899 2024 6 30 A H
10
(%)
1
57.03 – 142,590,494,651 H
0.11 – 267,392,944 A
2
37.52 -11,441,305 93,806,276,684 H
0.88 – 2,189,259,672 A
3
0.64 – 1,611,413,730 H
0.34 – 856,000,000 H
4
0.30 +98,264,285 738,285,810 A
0.26 – 648,993,000 H
0.20 – 496,639,800 A
0.13 – 335,000,000 H
018L CT001 0.06 +37,037,076 143,485,203 A
1. 2023 10 11 A 18,379,960 6
2024 4 10 A 71,450,968 0.03%
2. 2024 6 30
H 2024 6 30 H 1,611,413,730 648,993,000
335,000,000
H 93,806,276,684
3. 2024 6 30 H 296,131,000
1,315,282,730
4. 2024 6 30
A
2024年半年度報告 中國建設銀行股份有限公司 75
5.
6. 2024 6 30 10
7.
2024 6 30 336
A H
(%) (%) (%)
1
A 692,581,776 7.22 – 0.28
2
H 133,262,144,534 – 59.31 57.03
1. 2015 12 29 A 692,581,776 A 9,593,657,606 7.22%
250,010,977,486 0.28% 195,941,976 A 496,639,800 A
2024 6 30 A A 267,392,944
A 496,639,800
2. 2009 5 26 H 133,262,144,534 H 224,689,084,000
59.31% 233,689,084,000 57.03% 2024 6 30 H H
142,590,494,651 H 240,417,319,880 59.31% 250,010,977,486 57.03%
H 2024 6 30 9,848 15,555
12,447 XV
XV 7 8
352 C3
76 中國建設銀行股份有限公司 2024年半年度報告
28 10
(%)
11.02 -4,000,000 66,140,000
10.17 – 61,000,000
8.33 – 50,000,000
8.33 – 50,000,000
8.28 – 49,660,000
7.93 -6,800,000 47,600,000
6.01 +8,800,000 36,040,000
4.50 – 27,000,000
4.18 – 25,060,000
4.17 -2,000,000 25,000,000
1.
2. 10
22 37
9
32
2024年半年度報告 中國建設銀行股份有限公司 77
32 125
33 125
78
34 126
35 126
36 127
79 37 127
81 38 128
39 130
83
40 131
85 41 132
42 135
43 136
1 87 44 136
2 87 45 140
3 89 46 140
4 90 47 141
5 90 48 141
6 90 49 142
7 91 50 142
8 91 51 143
52 143
9 91 53 150
10 92 54 150
11 92 55 150
12 92 56 152
13 93 57 156
14 94 58 188
15 94 59 191
16 95 60 192
17 96 61 192
18 97 62 192
19 99
20 99
21 104
22 111 1 194
23 114
24 115 2 194
25 117 3 195
26 117 4 196
27 118 5 196
28 119
29 120
30 121
31 124
78 中國建設銀行股份有限公司 2024年半年度報告
79 193
2024 6 30 2024 6 30
34 34
2410
34
2024年半年度報告 中國建設銀行股份有限公司 79
2024 6 30
6 30
2024 2023
627,014 616,753
(330,955) (304,568)
3 296,059 312,185
68,727 77,474
(6,031) (6,873)
4 62,696 70,601
5 4,003 3,766
6 3,051 3,568
7 4,520 542
8 1,914 (44)
14,147 10,043
(11,559) (12,506)
9 2,588 (2,463)
374,831 388,155
10 (94,388) (95,987)
280,443 292,168
11 (87,654) (95,414)
12 17 46
206 464
193,012 197,264
13 (27,973) (29,969)
165,039 167,295
87 193
80 中國建設銀行股份有限公司 2024年半年度報告
2024 6 30
6 30
2024 2023
(19) 173
7,171 70
7 24
7,159 267
16,810 5,867
1,449 86
(1,457) (383)
(43) (334)
1,309 5,927
(6,759) (2,700)
11,309 8,463
18,468 8,730
183,507 176,025
164,326 167,344
713 (49)
165,039 167,295
184,497 177,062
(990) (1,037)
183,507 176,025
14 0.66 0.67
87 193
2024年半年度報告 中國建設銀行股份有限公司 81
2024 6 30
2024 6 30 2023 12 31
15 3,193,580 3,066,058
16 146,128 148,218
82,672 59,429
17 683,021 675,270
18 70,711 43,840
19 889,728 979,498
20 24,629,185 23,083,377
21
587,590 602,303
6,961,515 6,801,242
2,375,094 2,234,731
22 21,347 20,983
24 169,099 159,948
25 4,094 7,423
26 12,636 12,911
27 5,722 6,540
28 2,471 2,456
29 118,797 121,227
30 340,997 299,372
40,294,387 38,324,826
32 1,102,834 1,155,634
33 3,420,846 2,792,066
34 480,090 407,722
35 224,097 252,179
18 67,253 41,868
36 52,705 234,578
37 28,707,067 27,654,011
38 48,545 52,568
39 41,175 73,580
40 41,323 43,344
41 2,207,124 1,895,735
29 2,154 1,724
42 643,698 547,743
37,038,911 35,152,752
87 193
82 中國建設銀行股份有限公司 2024年半年度報告
2024 6 30
2024 6 30 2023 12 31
43 250,011 250,011
44
59,977 59,977
139,991 139,991
45 135,642 135,619
46 44,152 23,981
47 369,906 369,906
48 496,476 496,255
49 1,738,506 1,674,405
3,234,661 3,150,145
20,815 21,929
3,255,476 3,172,074
40,294,387 38,324,826
2024 8 30
87 193
2024年半年度報告 中國建設銀行股份有限公司 83
2024 6 30
2024 1 1 250,011 59,977 139,991 135,619 23,981 369,906 496,255 1,674,405 21,929 3,172,074
– – – 23 20,171 – 221 64,101 (1,114) 83,402
– – – – 20,171 – – 164,326 (990) 183,507
1. – – – – – – – – 23 23
2. – – – (1) – – – – (81) (82)
1. – – – – – – 221 (221) – –
2. – – – – – – – (100,004) – (100,004)
3. – – – – – – – – (66) (66)
– – – 24 – – – – – 24
2024 6 30 250,011 59,977 139,991 135,642 44,152 369,906 496,476 1,738,506 20,815 3,255,476
2023 6 30
2022 12 31 250,011 59,977 79,991 135,653 20,793 337,527 444,786 1,527,995 22,027 2,878,760
– – – – (3,390) – – 2,107 (1,233) (2,516)
2023 1 1 250,011 59,977 79,991 135,653 17,403 337,527 444,786 1,530,102 20,794 2,876,244
– – – – 9,718 – 319 69,771 176 79,984
– – – – 9,718 – – 167,344 (1,037) 176,025
1. – – – – – – – – 1,230 1,230
2. – – – – – – – – 64 64
1. – – – – – – 319 (319) – –
2. – – – – – – – (97,254) – (97,254)
3. – – – – – – – – (81) (81)
2023 6 30 250,011 59,977 79,991 135,653 27,121 337,527 445,105 1,599,873 20,970 2,956,228
87 193
84 中國建設銀行股份有限公司 2024年半年度報告
2023
2022 12 31 250,011 59,977 79,991 135,653 20,793 337,527 444,786 1,527,995 22,027 2,878,760
– – – – (3,390) – – 2,107 (1,233) (2,516)
2023 1 1 250,011 59,977 79,991 135,653 17,403 337,527 444,786 1,530,102 20,794 2,876,244
– – 60,000 (34) 6,578 32,379 51,469 144,303 1,135 295,830
– – – – 6,604 – – 332,653 (2,184) 337,073
1.
– – 60,000 (13) – – – – 1,999 61,986
2. – – – – – – – – 1,429 1,429
3. – – – – – – – – 92 92
1. – – – – – 32,379 – (32,379) – –
2. – – – – – – 53,633 (53,633) – –
3. – – – – – – – (97,254) – (97,254)
4. – – – – – – – (5,110) – (5,110)
5. – – – – – – – – (201) (201)
1. – – – – (26) – – 26 – –
– – – (21) – – (2,164) – – (2,185)
2023 12 31 250,011 59,977 139,991 135,619 23,981 369,906 496,255 1,674,405 21,929 3,172,074
87 193
2024年半年度報告 中國建設銀行股份有限公司 85
合併現金流量表
2024 6 30
6 30
2024 2023
193,012 197,264
11 87,654 95,414
12 (17) (46)
14,946 14,250
(1,850) (2,634)
(4,897) 835
(206) (464)
6 (3,051) (3,568)
(8,674) (1,860)
14,982 13,183
(147,925) (136,203)
(76) (124)
143,898 176,047
98,628 (142,401)
(5,641) (49,064)
89,599 (370,328)
(1,606,799) (1,896,578)
(7,709) 17,047
(171,645) (219,594)
(1,603,567) (2,660,918)
(58,841) 111,155
1,652,919 3,267,054
65,852 64,117
(28,298) (68,026)
(182,668) (88,685)
282,947 113,179
(64,342) (73,389)
82,905 (25,919)
1,750,474 3,299,486
290,805 814,615
87 193
86 中國建設銀行股份有限公司 2024年半年度報告
2024 6 30
6 30
2024 2023
1,272,451 763,253
157,847 132,850
1,139 352
2,930 1,697
(1,503,895) (1,463,109)
(362) (142)
(11,034) (6,139)
(80,924) (571,238)
85,400 32,992
23 1,230
(64,194) (13,730)
(9,898) (7,081)
(3,931) (3,708)
7,400 9,703
5,675 15,736
222,956 268,816
1 1 50 925,463 1,143,652
6 30 50 1,148,419 1,412,468
482,363 468,548
(313,461) (293,007)
87 193
2024年半年度報告 中國建設銀行股份有限公司 87
財務報表附註
1
1954
1994
1996
2004 9 17
2005 10 2007 9
939 601939 2024 6 30 2,500.11 1
2023
B0004H111000001
911100001000044477 25
2
(1)
34
2023 12 31
2023 12 31
(2)
(3)
88 中國建設銀行股份有限公司 2024年半年度報告
2
(4)
(1) 16
(2) 1
(3) 1
(4) 7 7
2023 12 31
(5)
[2016]36 2016 5 1
6%
1% - 7%
3%
2%
25%
(6)
2024 8 30
2410
2023 12 31 2023 12 31
2024 3 28
2024年半年度報告 中國建設銀行股份有限公司 89
3
6 30
2024 2023
22,753 22,554
2,932 3,331
10,807 9,197
8,760 10,325
143,474 135,769
257,363 239,868
175,059 189,757
5,866 5,952
627,014 616,753
(14,062) (10,928)
(36,695) (29,783)
(9,703) (7,898)
(1,212) (1,405)
(29,816) (26,058)
(109,989) (104,301)
(129,478) (124,195)
(330,955) (304,568)
296,059 312,185
(1)
6 30
2024 2023
1,781 2,526
69 108
1,850 2,634
(2)
90 中國建設銀行股份有限公司 2024年半年度報告
4
6 30
2024 2023
20,093 20,685
11,684 11,872
10,625 10,285
9,028 13,549
6,371 8,675
4,486 5,837
6,440 6,571
68,727 77,474
(3,031) (3,122)
(466) (540)
(2,534) (3,211)
(6,031) (6,873)
62,696 70,601
5
6 30
2024 2023
2,853 2,420
974 1,203
58 44
118 99
4,003 3,766
6
6 30
2024 2023
2,771 3,550
280 18
3,051 3,568
2024年半年度報告 中國建設銀行股份有限公司 91
7
6 30
2024 2023
(3,063) (4,262)
6,402 4,364
1,205 486
(24) (46)
4,520 542
8
2024 6 30
14.45 2023 6 30
9
6 30
2024 2023
2,338 2,517
2,722 (491)
4,021 3,258
5,066 4,759
14,147 10,043
6 30
2024 2023
5,998 7,085
5,561 5,421
11,559 12,506
92 中國建設銀行股份有限公司 2024年半年度報告
10
6 30
2024 2023
37,209 37,784
8,102 7,755
3,890 3,727
1,088 1,133
– 3
8 3
5,742 5,820
56,039 56,225
10,941 10,453
1,826 1,823
878 897
804 1,071
967 1,007
15,416 15,251
3,870 3,933
1,681 1,827
17,382 18,751
94,388 95,987
2024 6 30 28.37 2023 6
30 25.97
11
6 30
2024 2023
86,036 91,592
819 (802)
247 865
(2,194) (537)
2,746 4,296
87,654 95,414
12
6 30
2024 2023
(17) (46)
2024年半年度報告 中國建設銀行股份有限公司 93
13
(1)
6 30
2024 2023
31,315 40,759
30,026 39,446
630 581
659 732
(18) (441)
(3,324) (10,349)
27,973 29,969
25% 16.5%
12 OECD
2024 6 30
2024 1 1 2024 6
30
(2)
6 30
2024 2023
193,012 197,264
25% 48,253 49,316
(494) (539)
(a) 9,845 8,885
(b) (29,613) (27,252)
(18) (441)
27,973 29,969
(a)
(b)
94 中國建設銀行股份有限公司 2024年半年度報告
14
2024 2023 6 30
2024 6 30
2024 2023 6 30
2024 2023
6 30
2024 2023
164,326 167,344
164,326 167,344
250,011 250,011
0.66 0.67
0.66 0.67
15
2024 6 30 2023 12 31
47,247 45,682
(1) 2,308,785 2,425,965
(2) 793,295 552,063
43,124 41,042
1,129 1,306
3,193,580 3,066,058
(1)
2024 6 30 2023 12 31
8.50% 9.00%
4.00% 4.00%
(2)
2024年半年度報告 中國建設銀行股份有限公司 95
16
(1)
2024 6 30 2023 12 31
114,689 131,935
30,953 16,064
586 379
146,228 148,378
31 (100) (160)
146,128 148,218
(2)
2024 6 30 2023 12 31
109,096 111,430
36,546 36,569
586 379
146,228 148,378
31 (100) (160)
146,128 148,218
2024 6 30 2023 12 31 2024 6 30 2023
96 中國建設銀行股份有限公司 2024年半年度報告
17
(1)
2024 6 30 2023 12 31
397,130 408,117
281,580 263,148
5,013 4,956
683,723 676,221
31 (702) (951)
683,021 675,270
(2)
2024 6 30 2023 12 31
512,521 473,888
166,189 197,377
5,013 4,956
683,723 676,221
31 (702) (951)
683,021 675,270
2024 6 30 2023 12 31 2024 6 30 2023
2024年半年度報告 中國建設銀行股份有限公司 97
18
(1)
2024 6 30 2023 12 31
1,143,774 9,178 6,048 1,352,192 10,490 7,957
5,404,123 59,109 45,036 3,711,837 31,425 27,568
(a) 194,984 2,424 16,169 192,081 1,925 6,343
6,742,881 70,711 67,253 5,256,110 43,840 41,868
(2)
2024 6 30 2023 12 31
9,771 7,690
99,498 57,042
(a) 40,292 17,867
149,561 82,599
47,604 21,582
197,165 104,181
2024 1 1
(a)
98 中國建設銀行股份有限公司 2024年半年度報告
18
(3)
2024 6 30 2023 12 31
(a)
53,380 1,398 63 52,093 1,340 254
(b)
43,115 69 219 28,536 250 254
1,000 3 – 1,000 – 13
3,273 73 – 3,199 130 –
100,768 1,543 282 84,828 1,720 521
(a)
6 30
2024 2023
175 150
(184) (144)
2024 2023 6 30
(b)
2024 6 30 0.43
2023 6 30 3.34
2024年半年度報告 中國建設銀行股份有限公司 99
19
2024 6 30 2023 12 31
378,056 363,187
489,784 547,054
– 12
867,840 910,253
21,714 68,930
212 477
889,766 979,660
31 (38) (162)
889,728 979,498
2024 6 30 2023 12 31 2024 6 30 2023
20
(1)
2024 6 30 2023 12 31
24,269,620 22,706,195
(815,121) (778,223)
(a) 23,454,499 21,927,972
(b) 1,122,631 1,104,787
52,055 50,618
24,629,185 23,083,377
100 中國建設銀行股份有限公司 2024年半年度報告
20
(1)
(a)
2024 6 30 2023 12 31
15,320,222 13,832,726
93,937 104,871
15,414,159 13,937,597
6,376,779 6,452,948
491,373 431,758
885,767 777,481
1,003,449 1,000,424
98,093 105,987
8,855,461 8,768,598
24,269,620 22,706,195
(379,250) (363,424)
(203,533) (190,295)
(232,338) (224,504)
31 (815,121) (778,223)
23,454,499 21,927,972
(b)
2024 6 30 2023 12 31
1,122,631 1,104,787
2024年半年度報告 中國建設銀行股份有限公司 101
20
(2)
2024 6 30
23,169,692 757,024 342,904 24,269,620
(379,250) (203,533) (232,338) (815,121)
22,790,442 553,491 110,566 23,454,499
1.64% 26.89% 67.76% 3.36%
1,122,128 503 – 1,122,631
(3,554) (23) – (3,577)
2023 12 31
21,602,943 777,996 325,256 22,706,195
(363,424) (190,295) (224,504) (778,223)
21,239,519 587,701 100,752 21,927,972
1.68% 24.46% 69.02% 3.43%
1,092,093 12,694 – 1,104,787
(1,431) (461) – (1,892)
57(1)
102 中國建設銀行股份有限公司 2024年半年度報告
20
(3)
2024 6 30
2024 1 1 363,424 190,295 224,504 778,223
12,025 (11,341) (684) –
(5,233) 7,355 (2,122) –
(2,245) (16,369) 18,614 –
102,779 – – 102,779
(a) (75,691) (15,967) (29,842) (121,500)
(b) (15,809) 49,560 48,188 81,939
– – (35,689) (35,689)
– – 9,369 9,369
2024 6 30 379,250 203,533 232,338 815,121
2023
2023 1 1 339,557 176,141 188,390 704,088
19,259 (18,402) (857) –
(12,464) 19,608 (7,144) –
(5,474) (22,661) 28,135 –
168,995 – – 168,995
(a) (131,700) (30,202) (50,438) (212,340)
(b) (14,749) 65,811 103,654 154,716
– – (53,389) (53,389)
– – 16,153 16,153
2023 12 31 363,424 190,295 224,504 778,223
(a)
(b)
2024年半年度報告 中國建設銀行股份有限公司 103
20
(4)
2024 6 30
1
3 3 1 3 3
37,110 43,209 13,291 1,615 95,225
7,171 27,912 31,938 7,408 74,429
48,774 47,779 31,869 10,703 139,125
3,704 3,076 6,906 1,280 14,966
96,759 121,976 84,004 21,006 323,745
0.38% 0.48% 0.33% 0.08% 1.27%
2023 12 31
1
3 3 1 3 3
26,263 35,112 8,945 1,814 72,134
12,863 19,777 29,155 4,525 66,320
40,554 38,668 28,012 6,752 113,986
3,945 1,493 6,558 1,420 13,416
83,625 95,050 72,670 14,511 265,856
0.35% 0.40% 0.31% 0.06% 1.12%
1
(5)
2024 6 30 68.45
2023 6 30 16.71
(6)
2024 6 30
74.87 2023 6 30
77.43
104 中國建設銀行股份有限公司 2024年半年度報告
21
(1)
2024 6 30 2023 12 31
(a) 587,590 602,303
(b) 6,961,515 6,801,242
(c) 2,375,094 2,234,731
9,924,199 9,638,276
(a)
2024 6 30 2023 12 31
(i) 135,987 127,985
(ii) 2,019 1,463
138,006 129,448
(iii) 81,157 80,747
(iv) 121,210 153,567
(v) 247,217 238,541
449,584 472,855
587,590 602,303
2024年半年度報告 中國建設銀行股份有限公司 105
21
(1)
(a)
(i)
2024 6 30 2023 12 31
15,730 20,369
12,254 8,074
23,602 26,398
61,353 57,698
23,048 15,446
135,987 127,985
121,779 118,880
1,059 849
14,208 9,105
135,987 127,985
(ii)
2024 6 30 2023 12 31
1,833 1,114
186 349
2,019 1,463
1,279 374
183 209
740 1,089
2,019 1,463
106 中國建設銀行股份有限公司 2024年半年度報告
21
(1)
(a)
(iii)
2024 6 30 2023 12 31
56,330 54,349
24,827 26,398
81,157 80,747
81,157 80,747
81,157 80,747
(iv)
2024 6 30 2023 12 31
2 –
16,578 18,701
104,491 134,494
139 372
121,210 153,567
121,106 153,481
60 74
104 86
121,210 153,567
(v)
2024 6 30 2023 12 31
114,757 102,301
132,460 136,240
247,217 238,541
38,920 31,367
2,389 1,599
208,297 207,174
247,217 238,541
2024年半年度報告 中國建設銀行股份有限公司 107
21
(1)
(b)
2024 6 30 2023 12 31
6,173,131 5,925,826
1,402 3,127
330,085 345,103
140,383 192,626
214,621 222,407
49,200 49,200
6,908,822 6,738,289
75,482 87,799
6,984,304 6,826,088
(9,962) (11,716)
(55) (80)
(12,772) (13,050)
(22,789) (24,846)
6,961,515 6,801,242
6,896,810 6,664,047
2,858 3,682
64,705 137,195
6,961,515 6,801,242
7,335,361 6,911,734
108 中國建設銀行股份有限公司 2024年半年度報告
21
(1)
(c)
2024 6 30 2023 12 31
(i) 2,346,710 2,224,783
(ii) 28,384 9,948
2,375,094 2,234,731
(i)
2024 6 30 2023 12 31
1,244,217 1,310,050
45,338 31,937
569,699 482,236
297,567 229,794
112,397 112,312
52,830 33,072
2,322,048 2,199,401
24,662 25,382
2,346,710 2,224,783
2,211,024 2,102,571
63,045 71,707
135,686 122,212
2,346,710 2,224,783
(ii)
2024 6 30 2.80 2023
6 30 0.18 2024 2023 6 30
2024年半年度報告 中國建設銀行股份有限公司 109
21
(2)
(a)
2024 6 30
2024 1 1 11,716 80 13,050 24,846
– – – –
(2) 2 – –
– (29) 29 –
556 – – 556
(3,161) – (481) (3,642)
(i) 853 2 170 1,025
– – 4 4
2024 6 30 9,962 55 12,772 22,789
2023
2023 1 1 17,768 199 16,901 34,868
– – – –
(7) 7 – –
– – – –
1,642 – – 1,642
(2,485) (172) (3,425) (6,082)
(i) (5,202) 46 1,197 (3,959)
– – (1,623) (1,623)
2023 12 31 11,716 80 13,050 24,846
(b)
2024 6 30
2024 1 1 5,019 17 372 5,408
– – – –
– – – –
– – – –
355 – – 355
(237) – – (237)
(i) 108 4 29 141
2024 6 30 5,245 21 401 5,667
110 中國建設銀行股份有限公司 2024年半年度報告
21
(2)
(b)
2023
2023 1 1 5,558 42 372 5,972
– – – –
– – – –
– (45) 45 –
1,941 – – 1,941
(1,858) (3) (6) (1,867)
(i) (622) 23 174 (425)
– – (213) (213)
2023 12 31 5,019 17 372 5,408
(i)
2024 6 30 141.82 2023 12 31
144.27 0.37 2023
12 31 0.54 7.12 2023 12 31
4.62 9.47 2023
12 31 5.49
2024 6 30
11,234.13 2023 21,271.12 8,461.51
2023 10,807.30
2024年半年度報告 中國建設銀行股份有限公司 111
22
(1)
(a)
2024 6 30 2023 12 31
27,000 27,000
15,000 15,000
11,163 11,163
10,000 10,000
CCB Brazil Financial Holding - Investimentos e
Participaes Ltda. 9,542 9,542
7,429 7,429
6,962 6,962
6,000 6,000
4,406 4,406
(i) 2,861 2,861
2,215 2,215
1,610 1,610
1,502 1,502
1,334 1,334
976 976
851 851
676 676
130 130
– –
109,657 109,657
(8,672) (8,672)
100,985 100,985
(i)
112 中國建設銀行股份有限公司 2024年半年度報告
22
(1)
(b)
270 100% – 100%
150 100% – 100%
110 100% – 100%
100 99.99% 0.01% 100%
CCB Brazil Financial Holding-Investimentos e 99.99% 0.01% 100%
Participaes Ltda. 42.81
105 67% – 67%
71.20 51% – 51%
72 83.33% – 83.33%
5.50 100% – 100%
2 100% – 100%
15
60% – 60%
37,919.73
23 70% – 70%
20 75.10% – 75.10%
8.23 100% – 100%
1.99 100% – 100%
42 100% – 100%
5 100% – 100%
2 65% – 65%
1 100% – 100%
6.01 – 100% 100%
65.11 – 100% 100%
176
(c) 2024 6 30
2024年半年度報告 中國建設銀行股份有限公司 113
22
(2)
(a)
2024
6 30 2023
20,983 22,700
362 1,128
(786) (2,484)
206 1,151
(100) (520)
682 (992)
21,347 20,983
(b)
138.52 50.00% 50.00% 11,381 1 415 373
35 48.57% 40.00% 4,340 – 82 82
232.75 9.04% 9.04% 24,909 519 (19) (114)
10,000 50.00% 50.00% 1,731 1,694 106 13
111.50 8.97% 8.97% 38,703 26,279 3,135 255
114 中國建設銀行股份有限公司 2024年半年度報告
23
(1)
2024 6 30 2023 12 31
2024 6 30 2023 12 31
176,122 170,525
5,185 7,789
2,340 2,317
13,643 14,257
3,923 3,498
201,213 198,386
2024 2023 6 30
6 30
2024 2023
222 482
4,928 6,160
45 666
1,397 1,341
(589) 147
(1) 408
6,002 9,204
2024 6 30 49,356.37 2023 12 31
47,139.47
(2)
2024年半年度報告 中國建設銀行股份有限公司 115
24
2024 1 1 150,450 51,778 51,488 52,903 306,619
31 575 14,830 1,210 16,646
25 2,808 296 – 923 4,027
(100) (3,891) (2,272) (1,206) (7,469)
2024 6 30 153,189 48,758 64,046 53,830 319,823
2024 1 1 (62,147) (36,597) (10,313) (36,147) (145,204)
(2,545) (2,861) (1,439) (2,424) (9,269)
48 3,724 249 1,101 5,122
2024 6 30 (64,644) (35,734) (11,503) (37,470) (149,351)
31
2024 1 1 (394) – (1,070) (3) (1,467)
– – – – –
– – 94 – 94
2024 6 30 (394) – (976) (3) (1,373)
2024 1 1 87,909 15,181 40,105 16,753 159,948
2024 6 30 88,151 13,024 51,567 16,357 169,099
116 中國建設銀行股份有限公司 2024年半年度報告
24
2023 1 1 148,047 53,693 43,231 49,825 294,796
238 4,247 11,755 2,800 19,040
25 2,261 33 – 1,962 4,256
(96) (6,195) (3,498) (1,684) (11,473)
2023 12 31 150,450 51,778 51,488 52,903 306,619
2023 1 1 (57,412) (37,014) (8,759) (33,327) (136,512)
(4,943) (5,654) (2,294) (4,500) (17,391)
208 6,071 740 1,680 8,699
2023 12 31 (62,147) (36,597) (10,313) (36,147) (145,204)
31
2023 1 1 (392) – (875) (3) (1,270)
(3) – (222) – (225)
1 – 27 – 28
2023 12 31 (394) – (1,070) (3) (1,467)
2023 1 1 90,243 16,679 33,597 16,495 157,014
2023 12 31 87,909 15,181 40,105 16,753 159,948
(1)
(2) 2024 6 30 77.26 2023 12 31
76.23
2024年半年度報告 中國建設銀行股份有限公司 117
25
2024
6 30 2023
7,423 9,971
775 2,180
24 (4,027) (4,256)
(77) (472)
4,094 7,423
7,423 9,971
4,094 7,423
26
2024
6 30 2023
22,903 22,743
– 213
(31) (53)
22,872 22,903
(9,859) (9,385)
(260) (529)
16 55
(10,103) (9,859)
31
(133) (133)
– –
(133) (133)
12,911 13,225
12,636 12,911
118 中國建設銀行股份有限公司 2024年半年度報告
27
2024 1 1 21,076 704 21,780
257 – 257
(82) (93) (175)
2024 6 30 21,251 611 21,862
2024 1 1 (14,847) (384) (15,231)
(1,085) (17) (1,102)
131 71 202
2024 6 30 (15,801) (330) (16,131)
31
2024 1 1 – (9) (9)
– – –
– – –
2024 6 30 – (9) (9)
2024 1 1 6,229 311 6,540
2024 6 30 5,450 272 5,722
2024年半年度報告 中國建設銀行股份有限公司 119
27
2023 1 1 18,899 922 19,821
2,458 13 2,471
(281) (231) (512)
2023 12 31 21,076 704 21,780
2023 1 1 (12,814) (502) (13,316)
(2,186) (56) (2,242)
153 174 327
2023 12 31 (14,847) (384) (15,231)
31
2023 1 1 – (9) (9)
– – –
– – –
2023 12 31 – (9) (9)
2023 1 1 6,085 411 6,496
2023 12 31 6,229 311 6,540
28
(1)
2024
6 30 2023
2,456 2,256
– 136
17 66
31 (2) (2)
2,471 2,456
(2)
2024 6 30 0.37 2023 12 31 4.09 2024
120 中國建設銀行股份有限公司 2024年半年度報告
29
2024 6 30 2023 12 31
118,797 121,227
(2,154) (1,724)
116,643 119,503
(1)
2024 6 30 2023 12 31
(49,881) (12,454) (27,233) (6,922)
549,892 137,158 530,101 132,164
16,844 4,175 21,424 5,318
(29,651) (10,082) (27,268) (9,333)
487,204 118,797 497,024 121,227
(12,874) (3,044) (4,545) (961)
2,059 890 (4,515) (763)
(10,815) (2,154) (9,060) (1,724)
(2)
2024 1 1 (7,883) 132,164 5,318 (10,096) 119,503
185 4,994 (1,143) (712) 3,324
(7,800) – – 1,616 (6,184)
2024 6 30 (15,498) 137,158 4,175 (9,192) 116,643
2023 1 1 (5,916) 121,917 5,111 (8,912) 112,200
(192) 10,247 207 (1,184) 9,078
(1,775) – – – (1,775)
2023 12 31 (7,883) 132,164 5,318 (10,096) 119,503
2024年半年度報告 中國建設銀行股份有限公司 121
30
2024 6 30 2023 12 31
(1)
1,069 1,093
20 20
9 9
1,098 1,122
142,475 25,659
33,967 22,626
(2) 25,196 25,968
(3) 14,090 13,153
13,514 13,100
4,048 4,146
1,912 1,773
– 29,278
118,397 175,523
354,697 312,348
31
(722) (735)
(12,978) (12,241)
(13,700) (12,976)
340,997 299,372
(1) 2024 6 30 0.35 2023 6 30 0.22
122 中國建設銀行股份有限公司 2024年半年度報告
30
(2)
2024 1 1 49,640 150 49,790
4,063 184 4,247
(4,922) (138) (5,060)
2024 6 30 48,781 196 48,977
2024 1 1 (23,730) (92) (23,822)
(3,870) (20) (3,890)
3,923 8 3,931
2024 6 30 (23,677) (104) (23,781)
31
2024 1 1 (250) – (250)
– – –
– – –
2024 6 30 (250) – (250)
2024 1 1 25,660 58 25,718
2024 6 30 24,854 92 24,946
2023 1 1 47,694 142 47,836
9,212 439 9,651
(7,266) (431) (7,697)
2023 12 31 49,640 150 49,790
2023 1 1 (21,769) (95) (21,864)
(7,794) (43) (7,837)
5,833 46 5,879
2023 12 31 (23,730) (92) (23,822)
31
2023 1 1 – – –
(250) – (250)
– – –
2023 12 31 (250) – (250)
2023 1 1 25,925 47 25,972
2023 12 31 25,660 58 25,718
2024年半年度報告 中國建設銀行股份有限公司 123
30
(3)
2024 6 30 2023 12 31
27 28
– –
27 28
12,900 11,994
1,163 1,131
14,063 13,125
14,090 13,153
124 中國建設銀行股份有限公司 2024年半年度報告
31
2024 6 30
16 160 (67) 7 – 100
1 – – – 1
17 951 (243) (6) – 702
19 162 (124) – – 38
20 778,223 84,351 (11,764) (35,689) 815,121
21 24,846 819 (2,876) – 22,789
22 44 – – – 44
24 1,467 – 19 (113) 1,373
26 133 – – – 133
27 9 – – – 9
28 409 2 (3) (371) 37
30 12,976 2,873 (16) (2,133) 13,700
819,381 87,611 (14,639) (38,306) 854,047
2023
16 338 (183) 5 – 160
5 (4) – – 1
17 933 15 3 – 951
19 206 (44) – – 162
20 704,088 145,953 (18,429) (53,389) 778,223
21 34,868 (7,468) (931) (1,623) 24,846
22 44 – – – 44
24 1,270 225 23 (51) 1,467
26 133 – – – 133
27 9 – – – 9
28 365 2 42 – 409
30 9,672 6,452 (5) (3,143) 12,976
751,931 144,948 (19,292) (58,206) 819,381
2024年半年度報告 中國建設銀行股份有限公司 125
32
2024 6 30 2023 12 31
1,002,799 1,076,813
84,725 68,183
15,310 10,638
1,102,834 1,155,634
33
(1)
2024 6 30 2023 12 31
232,392 307,642
3,165,661 2,467,534
22,793 16,890
3,420,846 2,792,066
(2)
2024 6 30 2023 12 31
3,273,334 2,650,649
124,719 124,527
22,793 16,890
3,420,846 2,792,066
126 中國建設銀行股份有限公司 2024年半年度報告
34
(1)
2024 6 30 2023 12 31
434,298 379,252
41,523 24,546
4,269 3,924
480,090 407,722
(2)
2024 6 30 2023 12 31
132,319 136,631
343,502 267,167
4,269 3,924
480,090 407,722
35
2024 6 30 2023 12 31
15,010 12,218
209,087 239,961
224,097 252,179
2024 6 30 2023 12 31
2024年半年度報告 中國建設銀行股份有限公司 127
36
2024 6 30 2023 12 31
29,939 212,452
17,606 16,909
2,807 3,405
50,352 232,766
1,947 1,440
406 372
52,705 234,578
37
2024 6 30 2023 12 31
6,457,055 6,559,979
5,852,909 5,582,096
12,309,964 12,142,075
5,723,257 5,602,122
10,243,634 9,479,107
15,966,891 15,081,229
430,212 430,707
28,707,067 27,654,011
2024 6 30 2023 12 31
(1)
117,825 163,527
33,113 32,856
45,347 42,944
136,012 143,019
332,297 382,346
(2) 27,543 15,577
128 中國建設銀行股份有限公司 2024年半年度報告
38
2024 6 30
37,161 38,012 (41,935) 33,238
304 3,988 (4,066) 226
8,732 1,117 (844) 9,005
(1) 889 8,318 (8,512) 695
793 2 (19) 776
– 9 (9) –
(2) 4,689 5,845 (5,929) 4,605
52,568 57,291 (61,314) 48,545
2023
33,632 85,432 (81,903) 37,161
282 7,997 (7,975) 304
8,113 3,421 (2,802) 8,732
(1) 799 16,550 (16,460) 889
858 10 (75) 793
– 11 (11) –
(2) 5,671 15,907 (16,889) 4,689
49,355 129,328 (126,115) 52,568
(1)
(a)
2024 6 30
532 5,142 (5,297) 377
64 193 (202) 55
867 2,964 (3,006) 825
1,463 8,299 (8,505) 1,257
2023
485 10,072 (10,025) 532
51 351 (338) 64
872 6,073 (6,078) 867
1,408 16,496 (16,441) 1,463
2024年半年度報告 中國建設銀行股份有限公司 129
38
(1)
(b)
2024 2024 2024
6 30 6 30 6 30
2023 2023 2023
4,343 4,685 4,917 5,294 (574) (609)
52 119 59 138 (7) (19)
5 7 – – 5 7
– – (14) (47) 14 47
(152) (468) (152) (468) – –
4,248 4,343 4,810 4,917 (562) (574)
(i)
2024 6 30 2023 12 31
2.25% 2.50%
7.00% 7.00%
10.2 10.4
2010-2013
130 中國建設銀行股份有限公司 2024年半年度報告
38
(1)
(b)
(ii)
0.25% 0.25%
(82) 85
35 (34)
(iii) 2024 6 30 7.8 2023 12 31 7.8
(iv)
2024 6 30 2023 12 31
1,108 975
556 691
3,146 3,251
4,810 4,917
(2)
39
2024 6 30 2023 12 31
27,851 61,036
11,705 10,240
1,619 2,304
41,175 73,580
2024年半年度報告 中國建設銀行股份有限公司 131
40
2024 6 30 2023 12 31
(1) 32,411 34,600
(2) 8,912 8,744
41,323 43,344
(1)
2024 6 30
2024 1 1 28,385 4,782 1,433 34,600
258 (257) (1) –
(15) 15 – –
(1) (90) 91 –
10,427 – – 10,427
(11,548) (3,139) (107) (14,794)
(a) (1,177) 2,708 647 2,178
2024 6 30 26,329 4,019 2,063 32,411
2023
2023 1 1 33,557 5,587 1,598 40,742
530 (529) (1) –
(145) 154 (9) –
(10) (2) 12 –
14,712 – – 14,712
(19,426) (4,116) (824) (24,366)
(a) (833) 3,688 657 3,512
2023 12 31 28,385 4,782 1,433 34,600
(a)
(2)
132 中國建設銀行股份有限公司 2024年半年度報告
41
2024 6 30 2023 12 31
(1) 1,525,463 1,242,136
(2) 126,726 141,430
(3) 11,998 11,998
(4) 528,967 491,427
13,970 8,744
2,207,124 1,895,735
(1)
(2)
2024 2023
6 30 12 31
18/11/2014 18/11/2024 4.08% 599 599
16/05/2019 16/05/2024 3.50% – 3,337
16/05/2019 16/05/2029 3.88% 1,454 1,422
26/08/2019 26/08/2024 3.40% 3,000 3,000
11/09/2019 16/05/2024 3.50% – 1,635
24/10/2019 24/10/2024 4,872 4,765
+1.03161%
22/11/2019 22/11/2024 2.393% 377 382
16/03/2020 15/03/2025 2.75% 5,000 5,000
21/07/2020 21/07/2025 1.99% 3,287 3,213
28/09/2020 28/09/2025 1.78% 1,454 1,422
28/09/2020 28/09/2030 2.55% 727 711
26/01/2021 26/01/2024 3.30% – 20,000
02/02/2021 04/02/2024 3.65% – 2,240
07/04/2021 12/04/2024 3.55% – 2,200
22/04/2021 22/04/2024 0.043% – 6,279
22/04/2021 22/04/2024 0.86% – 4,266
22/04/2021 22/04/2026 1.46% 4,000 3,910
27/05/2021 01/06/2024 3.33% – 1,950
28/06/2021 28/06/2024 0.06% – 6,279
22/07/2021 22/07/2026 1.80% 3,345 3,272
15/09/2021 15/09/2026 1.60% 2,545 2,489
29/09/2021 29/09/2026 1.50% 5,091 4,979
21/12/2021 21/12/2024 3,634 3,551
+0.50%
17/05/2022 17/05/2025 3.125% 7,272 7,110
17/05/2022 17/05/2024 3.40% – 998
23/05/2022 25/05/2025 2.60% 10,000 10,000
13/06/2022 13/06/2024 2.85% – 1,886
12/12/2022 14/12/2025 2.92% 10,000 10,000
09/02/2023 09/02/2026 3 997 1,011
+1.10%
22/03/2023 24/03/2026 2.80% 10,000 10,000
31/05/2023 31/05/2025 2.80% 1,992 1,996
02/11/2023 02/11/2027 3 664 674
+1.20%
2024年半年度報告 中國建設銀行股份有限公司 133
41
(2)
2024 2023
6 30 12 31
24/11/2023 24/11/2026 3.80% 779 785
30/11/2023 30/11/2026 3.88% 2,337 2,355
30/11/2023 30/11/2026 4,363 4,266
+0.65%
30/11/2023 30/11/2026 5.00% 3,636 3,555
28/02/2024 01/03/2027 2.35% 20,000 –
28/02/2024 01/03/2029 2.50% 10,000 –
09/04/2024 11/04/2027 2.44% 2,700 –
12/06/2024 14/06/2027 2.15% 2,700 –
126,825 141,537
(99) (107)
126,726 141,430
(3)
2024 2023
6 30 12 31
28/01/2021 01/02/2031 4.30% (a) 6,000 6,000
18/03/2022 22/03/2032 3.70% (b) 2,000 2,000
13/09/2023 14/09/2033 3.45% (c) 4,000 4,000
12,000 12,000
(2) (2)
11,998 11,998
(a) 2026 2 1
(b) 2027 3 22
(c) 2028 9 14
134 中國建設銀行股份有限公司 2024年半年度報告
41
(4)
2024 2023
6 30 12 31
18/08/2014 18/08/2029 5.98% (a) 20,000 20,000
27/02/2019 27/02/2029 4.25% (b) – 13,124
24/06/2020 24/06/2030 2.45% (c) 14,545 14,219
10/09/2020 14/09/2030 4.20% (d) 65,000 65,000
06/08/2021 10/08/2031 3.45% (e) 65,000 65,000
06/08/2021 10/08/2036 3.80% (f) 15,000 15,000
05/11/2021 09/11/2031 3.60% (g) 35,000 35,000
05/11/2021 09/11/2036 3.80% (h) 10,000 10,000
10/12/2021 14/12/2031 3.48% (i) 12,000 12,000
10/12/2021 14/12/2036 3.74% (j) 8,000 8,000
13/01/2022 21/01/2032 2.85% (k) 14,545 14,219
15/06/2022 17/06/2032 3.45% (l) 45,000 45,000
15/06/2022 17/06/2037 3.65% (m) 15,000 15,000
03/11/2022 07/11/2032 3.00% (n) 25,000 25,000
03/11/2022 07/11/2037 3.34% (o) 15,000 15,000
24/03/2023 28/03/2033 3.49% (p) 5,000 5,000
24/03/2023 28/03/2038 3.61% (q) 15,000 15,000
24/10/2023 26/10/2033 3.45% (r) 45,000 45,000
24/10/2023 26/10/2038 3.53% (s) 15,000 15,000
14/11/2023 16/11/2033 3.30% (t) 25,000 25,000
14/11/2023 16/11/2038 3.42% (u) 15,000 15,000
01/02/2024 05/02/2034 2.75% (v) 20,000 –
01/02/2024 05/02/2039 2.82% (w) 30,000 –
529,090 491,562
(123) (135)
528,967 491,427
(a) 2024 8 18
(b) 2024 2 27
(c) 2025 6 24 2025 6 24
5 2.15%
(d) 2025 9 14
(e) 2026 8 10
(f) 2031 8 10
(g) 2026 11 9
(h) 2031 11 9
(i) 2026 12 14
2024年半年度報告 中國建設銀行股份有限公司 135
41
(4)
(j) 2031 12 14
(k) 2027 1 21
(l) 2027 6 17
(m) 2032 6 17
(n) 2027 11 7
(o) 2032 11 7
(p) 2028 3 28
(q) 2033 3 28
(r) 2028 10 26
(s) 2033 10 26
(t) 2028 11 16
(u) 2033 11 16
(v) 2029 2 5
(w) 2034 2 5
42
2024 6 30 2023 12 31
(1) 261,480 252,327
100,070 –
95,969 5,980
(2) 23,783 24,216
15,870 17,053
10,524 25,830
9,777 8,916
8,207 8,195
4,316 5,587
4,223 3,697
– 27,803
109,479 168,139
643,698 547,743
136 中國建設銀行股份有限公司 2024年半年度報告
42
(1)
2024 6 30 2023 12 31
259,331 250,524
2,148 1,803
261,479 252,327
– –
1 –
1 –
261,480 252,327
(2)
2024 6 30 2023 12 31
6,626 6,705
14,088 14,565
6,280 6,244
26,994 27,514
23,783 24,216
43
2024 6 30 2023 12 31
H 240,417 240,417
A 9,594 9,594
250,011 250,011
H A 1
44
(1)
(a)
2017 2017 12 21 3.57% 100 600 60,000
(23)
59,977
2024年半年度報告 中國建設銀行股份有限公司 137
44
(1)
(b)
5
2017 12 27 5
5.125%
A
5.125%
A
A A
(1)
(2)
(c)
2024 1 1 2024 6 30
2017 600 59,977 – – 600 59,977
600 59,977 – – 600 59,977
138 中國建設銀行股份有限公司 2024年半年度報告
44
(2)
(a)
2019 2019 11 13 4.22% 100 400 40,000
2022 2022 8 29 3.20% 100 400 40,000
2023 2023 7 14 3.29% 100 300 30,000
2023 2023 9 22 3.37% 100 300 30,000
(9)
139,991
(b)
5
5 5
(1)
(2)
2024年半年度報告 中國建設銀行股份有限公司 139
44
(2)
(b)
2019
5.125%
5.125%
(1)
(2)
2022 2023
(1) (2)
(c)
2024 1 1 2024 6 30
2019 400 39,991 – – 400 39,991
2022 400 40,000 – – 400 40,000
2023
300 30,000 – – 300 30,000
2023
300 30,000 – – 300 30,000
1,400 139,991 – – 1,400 139,991
140 中國建設銀行股份有限公司 2024年半年度報告
44
(3)
2024 6 30 2023 12 31
1. 3,234,661 3,150,145
(1) 3,034,693 2,950,177
(2) 199,968 199,968
– 5,110
– 5,110
2. 20,815 21,929
(1) 18,816 19,930
(2) 1,999 1,999
45
2024 6 30 2023 12 31
135,642 135,619
46
2024 6 30
2024 2024
1 1 6 30
(82) (19) (101) (19) – – (19) –
217 7,171 7,388 9,561 – (2,390) 7,171 –
791 7 798 7 – – 7 –
23,597 13,729 37,326 22,222 (1,942) (4,927) 13,729 1,624
5,617 1,449 7,066 1,932 – (483) 1,449 –
706 (43) 663 (43) – – (43) –
482 1,324 1,806 1,309 – – 1,324 (15)
(7,347) (3,447) (10,794) (8,375) – 1,616 (3,447) (3,312)
23,981 20,171 44,152 26,594 (1,942) (6,184) 20,171 (1,703)
2024年半年度報告 中國建設銀行股份有限公司 141
46
2023
2023 2023
1 1 12 31
(28) (54) – (82) (54) – – (54) –
90 153 (26) 217 204 – (51) 153 –
752 39 – 791 39 – – 39 –
16,809 6,788 – 23,597 12,678 (585) (4,276) 6,788 1,029
6,851 (1,234) – 5,617 (1,645) – 411 (1,234) –
505 201 – 706 201 – – 201 –
(3,505) 3,987 – 482 4,115 – – 3,987 128
(4,071) (3,276) – (7,347) (8,565) – 2,141 (3,276) (3,148)
17,403 6,604 (26) 23,981 6,973 (585) (1,775) 6,604 (1,991)
47
2006 2 15 10%
48
2024 6 30 2023 12 31
(1) 484,043 484,043
(2) 2,124 2,124
(3) 9,600 9,379
709 709
496,476 496,255
(1)
2012 3 30 [2012]20
1.5%
(2)
(3)
142 中國建設銀行股份有限公司 2024年半年度報告
49
2024 6 27 2023 2023 2023
1,000.04
2024 8 30 2024 0.197
492.52 2024
50
(1)
2024 6 30 2023 12 31 2023 6 30
47,247 45,682 43,200
793,295 552,063 902,350
82,155 73,551 69,419
18,818 46,978 180,043
206,904 207,189 217,456
1,148,419 925,463 1,412,468
(2)
2024 1 31
5.64
5.40 31.66% 2024 2 1
4.64
3.53
2024年半年度報告 中國建設銀行股份有限公司 143
51
2024 6 30
258.68 2023 12 31 242.35
2024 6 30
1,827.53 2023 12 31 8,250.92 166.19 2023 12 31
750.02 166.19 2023 12 31
750.02
2024 6 30 228.25 2023 12 31
121.24 235.11 2023 12 31 126.25
2024 6 30 12.14 2023
12 31 25.63
52
144 中國建設銀行股份有限公司 2024年半年度報告
52
(1)
2024年半年度報告 中國建設銀行股份有限公司 145
52
(1)
2024 6 30
27,713 21,036 12,998 29,426 36,033 (2,100) 161,677 9,276 296,059
22,388 21,698 31,728 23,150 19,080 15,572 (130,295) (3,321) –
50,101 42,734 44,726 52,576 55,113 13,472 31,382 5,955 296,059
12,886 11,154 10,498 8,858 7,083 1,964 9,028 1,225 62,696
1,171 159 70 162 46 (3) 1,851 547 4,003
365 – 2,411 226 – 3 4 42 3,051
1,473 (659) (316) (215) (560) (102) 5,029 (130) 4,520
(3) 23 26 – (1) (33) 1,854 48 1,914
(2,432) 340 1,255 189 877 87 461 1,811 2,588
63,561 53,751 58,670 61,796 62,558 15,388 49,609 9,498 374,831
(16,650) (11,609) (15,176) (15,129) (15,220) (5,250) (11,894) (3,460) (94,388)
(11,167) (12,500) (13,016) (17,164) (17,432) (3,218) (12,235) (922) (87,654)
– – 7 – (1) – – 11 17
5 (7) 200 (118) – – (10) 136 206
35,749 29,635 30,685 29,385 29,905 6,920 25,470 5,263 193,012
445 137 16,385 352 241 186 299 97 18,142
2,008 1,546 3,654 1,920 1,885 726 2,165 1,042 14,946
2024 6 30
6,984,235 5,405,100 8,371,875 5,686,731 5,897,094 2,074,504 13,501,523 1,831,258 49,752,320
2,482 1,452 8,490 3,875 – – 1,825 3,223 21,347
6,986,717 5,406,552 8,380,365 5,690,606 5,897,094 2,074,504 13,503,348 1,834,481 49,773,667
118,797
(9,598,077)
40,294,387
6,944,642 5,356,304 8,145,664 5,631,742 5,864,254 2,066,395 10,906,850 1,718,983 46,634,834
2,154
(9,598,077)
37,038,911
783,093 611,446 758,423 741,351 597,224 199,882 – 294,568 3,985,987
146 中國建設銀行股份有限公司 2024年半年度報告
52
(1)
2023 6 30
30,801 26,356 15,891 32,748 37,191 (82) 157,747 11,533 312,185
26,086 23,862 32,007 24,613 21,901 14,074 (138,453) (4,090) –
56,887 50,218 47,898 57,361 59,092 13,992 19,294 7,443 312,185
13,683 13,844 12,075 10,060 8,392 2,250 9,219 1,078 70,601
1,027 61 10 199 118 (1) 1,795 557 3,766
92 – 2,738 300 8 – 112 318 3,568
(43) (1,433) (1,094) 277 (1,427) 49 4,463 (250) 542
(48) (48) (7) 1 (20) (15) 92 1 (44)
(4,216) 200 728 75 750 67 (964) 897 (2,463)
67,382 62,842 62,348 68,273 66,913 16,342 34,011 10,044 388,155
(16,348) (12,079) (16,037) (15,681) (15,816) (5,566) (10,873) (3,587) (95,987)
(14,038) (17,361) (12,400) (14,201) (17,922) (2,753) (15,436) (1,303) (95,414)
– 1 58 – – (1) – (12) 46
20 (23) 523 (81) – – 4 21 464
37,016 33,380 34,492 38,310 33,175 8,022 7,706 5,163 197,264
717 367 2,886 418 565 165 191 89 5,398
2,546 1,569 2,811 1,910 1,935 749 1,702 1,028 14,250
2023 12 31
6,590,228 5,176,740 8,265,540 5,390,160 5,627,618 1,979,268 13,140,146 1,731,630 47,901,330
2,375 1,276 8,939 4,151 – – 1,835 2,407 20,983
6,592,603 5,178,016 8,274,479 5,394,311 5,627,618 1,979,268 13,141,981 1,734,037 47,922,313
121,227
(9,718,714)
38,324,826
6,505,937 5,105,200 8,019,403 5,296,596 5,561,892 1,965,083 10,801,127 1,614,504 44,869,742
1,724
(9,718,714)
35,152,752
739,350 658,310 706,638 697,850 573,809 183,964 – 270,318 3,830,239
2024年半年度報告 中國建設銀行股份有限公司 147
52
(2)
148 中國建設銀行股份有限公司 2024年半年度報告
52
(2)
2024 6 30
135,074 50,579 103,448 6,958 296,059
(45,613) 91,198 (46,280) 695 –
89,461 141,777 57,168 7,653 296,059
22,157 28,228 12,589 (278) 62,696
537 1,013 1,635 818 4,003
2,451 365 214 21 3,051
(1,885) 1,437 5,105 (137) 4,520
(469) 1,862 464 57 1,914
1,051 (2,834) 1,471 2,900 2,588
113,303 171,848 78,646 11,034 374,831
(36,818) (47,598) (6,008) (3,964) (94,388)
(57,481) (26,319) (363) (3,491) (87,654)
7 – (2) 12 17
319 15 (119) (9) 206
19,330 97,946 72,154 3,582 193,012
16,315 1,162 572 93 18,142
5,871 7,248 732 1,095 14,946
2024 6 30
16,706,390 8,699,216 13,852,195 1,125,933 40,383,734
12,361 2,353 6,225 408 21,347
16,718,751 8,701,569 13,858,420 1,126,341 40,405,081
118,797
(229,491)
40,294,387
12,471,863 16,987,338 5,805,341 2,001,706 37,266,248
2,154
(229,491)
37,038,911
2,521,849 1,169,570 – 294,568 3,985,987
2024年半年度報告 中國建設銀行股份有限公司 149
52
(2)
2023 6 30
129,337 71,779 103,006 8,063 312,185
(28,752) 80,981 (52,926) 697 –
100,585 152,760 50,080 8,760 312,185
24,158 32,294 14,979 (830) 70,601
(132) 809 2,405 684 3,766
2,837 90 304 337 3,568
(4,042) 788 4,322 (526) 542
(147) – 102 1 (44)
375 (2,910) 394 (322) (2,463)
123,634 183,831 72,586 8,104 388,155
(37,297) (49,405) (5,747) (3,538) (95,987)
(67,886) (21,972) (1,075) (4,481) (95,414)
56 2 – (12) 46
866 32 (431) (3) 464
19,373 112,488 65,333 70 197,264
3,433 1,612 276 77 5,398
5,236 7,304 658 1,052 14,250
2023 12 31
15,290,620 8,705,648 13,547,677 906,819 38,450,764
12,521 2,238 6,217 7 20,983
15,303,141 8,707,886 13,553,894 906,826 38,471,747
121,227
(268,148)
38,324,826
12,349,135 15,979,947 5,236,467 1,853,627 35,419,176
1,724
(268,148)
35,152,752
2,422,267 1,137,654 – 270,318 3,830,239
150 中國建設銀行股份有限公司 2024年半年度報告
53
2024 6 30 2023 12 31
4,501,933 4,420,191
4,501,933 4,420,191
54
(1)
2024 6 30
17,669.07 2023 12 31 19,624.92
(2)
2024 6 30
2023 12 31 18.42
55
(1)
2024 6 30 2023 12 31
1 93,192 62,692
1 463,308 375,098
1,207,446 1,174,030
1,763,946 1,611,820
457,074 544,973
36,627 45,339
1,382,560 1,348,704
44,635 47,524
260,946 226,132
40,199 5,747
3,985,987 3,830,239
2024年半年度報告 中國建設銀行股份有限公司 151
55
(2)
2024 6 30 2023 12 31
1,153,388 1,224,736
(3)
41.33 2023 12 31 20.71
(4)
2024 6 30 2023 12 31
(5)
2024 6 30 476.30 2023
12 31 477.43
(6)
2024 6 30 46.11 2023 12 31 81.56
40
(7)
(8)
152 中國建設銀行股份有限公司 2024年半年度報告
56
(1)
2007 9 29 15,500
2003 12 16 8,282.09
2024 6 30
57.14%
120.00 2023 12 31 120.00
(a)
6 30
2024 2023
1,942 0.31% 681 0.11%
66 0.02% 40 0.01%
1 0.02% 2 0.05%
2024 6 30 2023 12 31
95,100 0.39% 12,000 0.05%
41 0.01% 10 0.00%
31,447 0.45% 24,209 0.36%
6,232 0.26% 6,083 0.27%
21,945 0.08% 17,134 0.06%
288 0.01% 8,288 0.22%
2024年半年度報告 中國建設銀行股份有限公司 153
56
(1)
(b)
6 30
2024 2023
14,845 2.37% 8,473 1.37%
4,300 1.30% 9,095 2.99%
340 0.49% 449 0.58%
11 0.18% 10 0.15%
583 14.56% 359 9.53%
2,382 52.70% 2,151
714 5.05% 607 6.04%
(i) 287 0.30% 418 0.44%
2024 6 30 2023 12 31
20,952 14.34% 26,110 17.62%
163,223 23.90% 148,527 22.00%
8,271 11.70% 3,560 8.12%
36,154 4.06% 45,774 4.67%
149,359 0.61% 245,845 1.07%
133,127 22.66% 161,299 26.78%
207,068 2.97% 197,187 2.90%
349,334 14.71% 272,277 12.18%
1,059 0.31% 7 0.00%
(ii) 170,862 4.99% 248,508 8.90%
156,099 32.51% 177,615 43.56%
3 0.00% – –
7,565 11.25% 4,455 10.64%
990 1.88% 7,749 3.30%
119,942 0.42% 114,591 0.41%
32,421 5.04% 18,936 3.46%
6,451 0.16% 9,293 0.24%
(i)
(ii)
154 中國建設銀行股份有限公司 2024年半年度報告
56
(2)
6 30
2024 2023
433 574
70 123
54 247
57 44
2024 6 30 2023 12 31
34,910 29,430
410 549
386 464
13,984 16,190
998 960
40,250 45,362
(3)
2(3)
6 30
2024 2023
1,239 959
1,113 680
1,251 1,994
334 256
231 222
3,450 3,485
117 44
2024年半年度報告 中國建設銀行股份有限公司 155
56
(3)
2024 6 30 2023 12 31
4,374 1,964
99,402 101,772
1,910 906
3,419 1,891
21,942 16,702
– 1,424
300 1,071
14,174 13,878
41,491 39,690
2024 6 30 2023 12 31
21,532 17,439
32,126 39,086
1,830 362
1,583 –
9,209 16,349
– 29
8,199 6,581
2024 6 30 9.28 2023 12 31
9.07
2024 6 30
114.67 114.60 2023 12 31
81.99 82.39
(4)
(5)
2024 6 30 2023
2024 6 30 31.80
2023 12 31 31.87 352 2023 12 31
359
156 中國建設銀行股份有限公司 2024年半年度報告
56
(6)
2024 6 30
2023
57
2024年半年度報告 中國建設銀行股份有限公司 157
57
(1)
(1)(j)
158 中國建設銀行股份有限公司 2024年半年度報告
57
(1)
(A)
12
(B)
15
30
2024年半年度報告 中國建設銀行股份有限公司 159
57
(1)
(C)
90
–
–
–
–
–
–
–
(PD) (LGD)
(EAD)
(D)
12
160 中國建設銀行股份有限公司 2024年半年度報告
57
(1)
(E)
(GDP)
(CPI) M2 (PPI)
70
(GDP)
2024 GDP 5% 2024 GDP
2024 6 30 2023 12 31
(F)
2024年半年度報告 中國建設銀行股份有限公司 161
57
(1)
(a)
2024 6 30 2023 12 31
3,146,333 3,020,376
146,128 148,218
683,021 675,270
70,711 43,840
889,728 979,498
24,629,185 23,083,377
338,354 362,299
6,961,515 6,801,242
2,346,710 2,224,783
289,722 220,645
39,501,407 37,559,548
3,985,987 3,830,239
43,487,394 41,389,787
(b)
2024 6 30
11,291 34,442 100,051
8,115 21,273 168,517
19,406 55,715 268,568
2023 12 31
4,290 28,337 102,434
5,215 16,078 165,249
9,505 44,415 267,683
162 中國建設銀行股份有限公司 2024年半年度報告
57
(1)
(c)
2024 6 30 2023 12 31
2,785,224 10.95% 695,667 2,506,037 10.50% 663,717
2,446,040 9.61% 633,737 2,328,471 9.76% 617,975
2,381,585 9.36% 452,701 2,167,353 9.08% 437,729
1,597,592 6.28% 239,562 1,444,500 6.05% 219,330
1,518,488 5.97% 741,765 1,396,585 5.85% 698,352
1,027,298 4.04% 532,762 970,809 4.07% 497,958
806,745 3.17% 279,838 747,653 3.13% 269,792
729,930 2.87% 169,724 631,518 2.65% 161,559
377,210 1.48% 22,512 345,315 1.45% 20,110
146,247 0.57% 29,448 132,956 0.56% 27,651
108,720 0.43% 20,642 103,696 0.43% 20,041
68,161 0.27% 462 66,557 0.28% 452
1,420,919 5.59% 334,947 1,096,147 4.60% 315,979
15,414,159 60.59% 4,153,767 13,937,597 58.41% 3,950,645
8,855,461 34.80% 6,846,840 8,768,598 36.75% 6,873,754
1,122,631 4.41% – 1,104,787 4.63% –
52,055 0.20% – 50,618 0.21% –
25,444,306 100.00% 11,000,607 23,861,600 100.00% 10,824,399
2024年半年度報告 中國建設銀行股份有限公司 163
57
(1)
(c)
2024 6 30 2023 12 31 10%
2024 6 30 2024 6 30
47,595 (56,744) (41,244) (34,119) (11,574) 1,351
2023 12 31 2023
44,968 (50,962) (38,193) (32,878) (22,466) 4,532
(d)
2024 6 30 2023 12 31
5,119,798 20.12% 2,446,646 4,703,648 19.71% 2,371,091
4,702,740 18.48% 2,168,867 4,440,785 18.61% 2,123,401
4,302,947 16.91% 1,582,315 4,058,595 17.01% 1,584,573
4,273,038 16.80% 1,974,954 3,993,891 16.74% 1,955,242
4,175,936 16.41% 2,308,985 3,936,980 16.50% 2,262,981
1,069,855 4.21% – 1,026,719 4.30% –
1,040,035 4.09% 371,346 975,595 4.09% 373,238
707,902 2.78% 147,494 674,769 2.83% 153,873
52,055 0.20% – 50,618 0.21% –
25,444,306 100.00% 11,000,607 23,861,600 100.00% 10,824,399
2024 6 30
83,174 (59,939) (27,940) (58,620)
66,974 (63,876) (37,344) (39,901)
50,163 (73,440) (52,748) (33,249)
42,713 (59,923) (33,358) (28,363)
40,056 (84,578) (29,553) (28,256)
27,664 (13,767) (13,220) (18,360)
18,653 (21,668) (8,061) (17,165)
13,507 (2,059) (1,309) (8,424)
342,904 (379,250) (203,533) (232,338)
164 中國建設銀行股份有限公司 2024年半年度報告
57
(1)
(d)
2023 12 31
80,208 (59,079) (26,402) (60,631)
64,726 (60,368) (34,950) (38,300)
46,204 (70,754) (48,749) (29,634)
40,809 (55,580) (31,755) (27,429)
36,544 (80,750) (26,073) (25,952)
27,433 (12,817) (12,774) (18,803)
16,608 (22,208) (7,281) (15,160)
12,724 (1,868) (2,311) (8,595)
325,256 (363,424) (190,295) (224,504)
52(1)
(e)
2024 6 30 2023 12 31
11,076,826 9,976,510
3,314,818 3,010,073
9,287,599 9,202,161
1,713,008 1,622,238
52,055 50,618
25,444,306 23,861,600
(f)
[2023] 1 2024 6 30 2023 12 31
2024年半年度報告 中國建設銀行股份有限公司 165
57
(1)
(g)
2024 6 30
12
24,291,820 235,330 – 24,527,150
– 522,197 – 522,197
– – 342,904 342,904
24,291,820 757,527 342,904 25,392,251
(379,250) (203,533) (232,338) (815,121)
(3,554) (23) – (3,577)
2023 12 31
12
22,695,036 208,913 – 22,903,949
– 581,777 – 581,777
– – 325,256 325,256
22,695,036 790,690 325,256 23,810,982
(363,424) (190,295) (224,504) (778,223)
(1,431) (461) – (1,892)
166 中國建設銀行股份有限公司 2024年半年度報告
57
(1)
(g)
2024 6 30 2023 12 31
2024 6 30
12
9,191,505 898 – 9,192,403
23,487 761 – 24,248
– – 14,219 14,219
9,214,992 1,659 14,219 9,230,870
(9,962) (55) (12,772) (22,789)
(5,245) (21) (401) (5,667)
2023 12 31
12
8,910,166 502 – 8,910,668
12,032 509 – 12,541
– – 14,481 14,481
8,922,198 1,011 14,481 8,937,690
(11,716) (80) (13,050) (24,846)
(5,019) (17) (372) (5,408)
2024年半年度報告 中國建設銀行股份有限公司 167
57
(1)
(g)
2024 6 30
12
1,713,906 – – 1,713,906
– – – –
– – – –
1,713,906 – – 1,713,906
(840) – – (840)
2023 12 31
12
1,798,447 – – 1,798,447
– – – –
– – – –
1,798,447 – – 1,798,447
(1,273) – – (1,273)
168 中國建設銀行股份有限公司 2024年半年度報告
57
(1)
(h)
2024 6 30 2023 12 31
– –
– –
– –
A AAA 1,311,085 1,307,765
B BBB 1,682 24,260
401,139 466,422
5,811 5,812
1,719,717 1,804,259
(840) (1,273)
1,718,877 1,802,986
1,718,877 1,802,986
2024年半年度報告 中國建設銀行股份有限公司 169
57
(1)
(i)
2024 6 30
AAA AA A A
810 – – – – 810
11,573 325 150 – 2,089 14,137
12,383 325 150 – 2,089 14,947
(12,772)
2,175
3,091,256 4,454,679 16,280 17,420 15,501 7,595,136
22,334 8,119 26,182 731 1,690 59,056
883,624 – – 86,722 – 970,346
183,950 310,966 28,435 105,642 34,043 663,036
17,343 307,263 12,294 25,713 4,234 366,847
4,198,507 5,081,027 83,191 236,228 55,468 9,654,421
(10,017)
9,644,404
9,646,579
170 中國建設銀行股份有限公司 2024年半年度報告
57
(1)
(i)
2023 12 31
AAA AA A A
820 – – – – 820
10,299 315 144 – 3,462 14,220
11,119 315 144 – 3,462 15,040
(13,050)
1,990
2,997,613 4,340,352 14,088 35,604 14,156 7,401,813
14,820 536 24,093 1,907 1,859 43,215
825,872 – – 74,310 – 900,182
221,772 337,949 24,768 77,973 23,995 686,457
15,827 302,689 14,394 28,634 4,919 366,463
4,075,904 4,981,526 77,343 218,428 44,929 9,398,130
(11,796)
9,386,334
9,388,324
(j)
(k)
2024年半年度報告 中國建設銀行股份有限公司 171
57
(1)
(l)
(i)
2024 6 30
12
530,122 52,661 582,783
15,277 6 15,283
2023 12 31
12
504,308 49,411 553,719
16,827 5 16,832
(ii)
(GDP) 2024 6 30
(GDP) 10% 5% 2023 12
31 5%
(2)
172 中國建設銀行股份有限公司 2024年半年度報告
57
(2)
VaR
(a)
VaR
VaR
99% 1
VaR
2024 6 30
6 30
252 254 321 218
34 31 38 22
(i) 242 243 315 203
1 1 6 –
2023 6 30
6 30
239 208 246 176
54 49 68 29
(i) 236 196 244 154
1 2 59 –
(i)
– 1
1
– 99% 1%
VaR
– VaR
–
– VaR VaR
2024年半年度報告 中國建設銀行股份有限公司 173
57
(2)
(b)
100 718.38
2023 12 31 519.07
727.32 2023 12 31 892.93
(c)
174 中國建設銀行股份有限公司 2024年半年度報告
57
(2)
(c)
2024 6 30
3 3 1 1 5 5
95,037 3,098,133 410 – – 3,193,580
– 472,619 348,225 8,305 – 829,149
– 889,728 – – – 889,728
(i) 50,508 7,247,219 16,447,348 745,803 138,307 24,629,185
(ii) 300,653 494,873 839,092 3,629,935 4,680,993 9,945,546
807,199 – – – – 807,199
1,253,397 12,202,572 17,635,075 4,384,043 4,819,300 40,294,387
– 270,314 831,601 919 – 1,102,834
– 3,076,662 413,689 407,327 3,258 3,900,936
15,638 136,953 71,506 – – 224,097
– 43,605 9,100 – – 52,705
106,810 15,753,444 5,444,618 7,398,350 3,845 28,707,067
– 655,621 922,903 514,898 113,702 2,207,124
844,148 – – – – 844,148
966,596 19,936,599 7,693,417 8,321,494 120,805 37,038,911
286,801 (7,734,027) 9,941,658 (3,937,451) 4,698,495 3,255,476
2024年半年度報告 中國建設銀行股份有限公司 175
57
(2)
(c)
2023 12 31
3 3 1 1 5 5
90,697 2,975,231 130 – – 3,066,058
– 490,019 326,326 7,143 – 823,488
– 979,498 – – – 979,498
(i) 34,405 10,647,006 11,542,958 702,410 156,598 23,083,377
(ii) 272,857 490,814 774,553 3,306,550 4,814,485 9,659,259
713,146 – – – – 713,146
1,111,105 15,582,568 12,643,967 4,016,103 4,971,083 38,324,826
– 247,662 906,948 1,024 – 1,155,634
– 2,521,325 282,103 391,380 4,980 3,199,788
12,905 195,197 44,077 – – 252,179
– 224,058 10,520 – – 234,578
80,413 15,767,684 4,662,033 7,139,044 4,837 27,654,011
– 760,532 565,905 474,198 95,100 1,895,735
760,827 – – – – 760,827
854,145 19,716,458 6,471,586 8,005,646 104,917 35,152,752
256,960 (4,133,890) 6,172,381 (3,989,543) 4,866,166 3,172,074
(i) 3 2024 6 30 749.75 2023 12 31 547.50
(ii)
176 中國建設銀行股份有限公司 2024年半年度報告
57
(2)
(d)
2024 6 30
2,988,442 139,323 65,815 3,193,580
580,889 234,501 13,759 829,149
889,728 – – 889,728
23,813,486 439,331 376,368 24,629,185
(i) 9,561,944 304,052 79,550 9,945,546
616,137 140,139 50,923 807,199
38,450,626 1,257,346 586,415 40,294,387
1,016,809 17,501 68,524 1,102,834
3,446,344 358,850 95,742 3,900,936
208,439 1,900 13,758 224,097
20,325 31,445 935 52,705
27,918,325 601,448 187,294 28,707,067
1,881,064 225,910 100,150 2,207,124
666,690 9,001 168,457 844,148
35,157,996 1,246,055 634,860 37,038,911
3,292,630 11,291 (48,445) 3,255,476
6,707 (126,271) 111,787 (7,777)
3,511,254 317,304 157,429 3,985,987
2024年半年度報告 中國建設銀行股份有限公司 177
57
(2)
(d)
2023 12 31
2,846,966 150,288 68,804 3,066,058
544,235 224,286 54,967 823,488
977,161 1,843 494 979,498
22,325,807 383,857 373,713 23,083,377
(i) 9,279,590 241,867 137,802 9,659,259
579,300 60,346 73,500 713,146
36,553,059 1,062,487 709,280 38,324,826
1,086,514 21,596 47,524 1,155,634
2,796,119 285,381 118,288 3,199,788
245,798 794 5,587 252,179
207,379 19,856 7,343 234,578
26,817,312 538,766 297,933 27,654,011
1,578,299 217,796 99,640 1,895,735
695,764 14,134 50,929 760,827
33,427,185 1,098,323 627,244 35,152,752
3,125,874 (35,836) 82,036 3,172,074
(5,552) (7,289) 12,210 (631)
3,372,627 296,013 161,599 3,830,239
(i) 57(2)(c)(ii)
(3)
178 中國建設銀行股份有限公司 2024年半年度報告
57
(3)
(a)
2024 6 30
1 3
1 3 1 1 5 5
2,351,909 840,132 – 1,129 410 – – 3,193,580
– 82,778 227,262 162,579 347,409 9,121 – 829,149
– – 889,728 – – – – 889,728
131,597 993,606 721,390 1,483,585 6,161,160 6,839,642 8,298,205 24,629,185
201,622 48,380 11,574 23,076 70,571 61,865 170,502 587,590
– – 86,348 98,847 263,347 2,431,382 4,081,591 6,961,515
28,425 – 79,492 163,921 508,844 1,161,464 432,948 2,375,094
21,347 – – – – – – 21,347
356,204 274,120 17,383 47,127 64,402 19,572 28,391 807,199
3,091,104 2,239,016 2,033,177 1,980,264 7,416,143 10,523,046 13,011,637 40,294,387
– – 46,611 223,703 831,601 919 – 1,102,834
– 2,153,660 300,715 345,536 673,290 417,618 10,117 3,900,936
– 15,638 69,305 67,648 71,506 – – 224,097
– – 30,558 13,047 9,100 – – 52,705
– 12,459,524 1,543,042 1,839,413 5,459,459 7,400,020 5,609 28,707,067
– – 261,541 376,584 932,976 522,321 113,702 2,207,124
5,856 370,289 33,446 29,907 106,437 78,293 219,920 844,148
5,856 14,999,111 2,285,218 2,895,838 8,084,369 8,419,171 349,348 37,038,911
3,085,248 (12,760,095) (252,041) (915,574) (668,226) 2,103,875 12,662,289 3,255,476
– – 168,752 228,025 532,180 201,498 13,319 1,143,774
– – 904,323 929,041 3,439,419 129,074 2,266 5,404,123
– – 51,618 26,719 107,704 2,502 6,441 194,984
– – 1,124,693 1,183,785 4,079,303 333,074 22,026 6,742,881
2024年半年度報告 中國建設銀行股份有限公司 179
57
(3)
(a)
2023 12 31
1 3
1 3 1 1 5 5
2,467,007 597,615 – 1,306 130 – – 3,066,058
– 74,424 283,769 131,334 326,328 7,633 – 823,488
– – 979,453 45 – – – 979,498
82,917 972,512 725,550 1,482,748 5,282,119 6,397,276 8,140,255 23,083,377
209,716 31,166 8,882 23,517 56,466 66,708 205,848 602,303
– – 34,383 93,308 391,152 2,133,983 4,148,416 6,801,242
9,949 – 100,539 173,990 347,687 1,132,039 470,527 2,234,731
20,983 – – – – – – 20,983
341,372 151,645 47,331 38,771 31,761 15,927 86,339 713,146
3,131,944 1,827,362 2,179,907 1,945,019 6,435,643 9,753,566 13,051,385 38,324,826
– – 129,997 117,665 906,948 1,024 – 1,155,634
– 1,987,259 355,168 162,765 282,726 400,539 11,331 3,199,788
– 12,905 124,869 70,328 44,077 – – 252,179
– – 211,159 12,899 10,520 – – 234,578
– 12,228,538 1,781,842 1,834,637 4,663,036 7,139,081 6,877 27,654,011
– – 259,359 483,578 574,584 483,114 95,100 1,895,735
5,092 221,511 80,183 31,791 76,506 91,952 253,792 760,827
5,092 14,450,213 2,942,577 2,713,663 6,558,397 8,115,710 367,100 35,152,752
3,126,852 (12,622,851) (762,670) (768,644) (122,754) 1,637,856 12,684,285 3,172,074
– – 187,695 256,442 665,785 227,090 15,180 1,352,192
– – 866,760 748,169 1,969,422 126,051 1,435 3,711,837
– – 55,648 39,159 94,699 2,575 – 192,081
– – 1,110,103 1,043,770 2,729,906 355,716 16,615 5,256,110
180 中國建設銀行股份有限公司 2024年半年度報告
57
(3)
(b)
2024 6 30
1 3
1 3 1 1 5 5
1,102,834 1,114,401 – 46,678 224,799 841,997 927 –
3,900,936 3,944,538 2,153,660 300,948 347,527 685,034 445,276 12,093
224,097 224,097 15,638 69,305 67,648 71,506 – –
52,705 53,061 – 30,602 13,155 9,304 – –
28,707,067 29,624,525 12,459,628 1,564,181 1,888,950 5,706,912 7,998,060 6,794
2,207,124 2,307,049 – 263,851 379,521 958,288 577,201 128,188
509,442 723,149 159,646 15,735 12,916 42,895 67,764 424,193
36,704,205 37,990,820 14,788,572 2,291,300 2,934,516 8,315,936 9,089,228 571,268
1,763,946 1,209,186 23,469 19,179 94,226 177,233 240,653
2,222,041 254 350,389 357,961 904,188 572,345 36,904
2023 12 31
1 3
1 3 1 1 5 5
1,155,634 1,172,995 – 130,926 118,199 922,837 1,033 –
3,199,788 3,238,349 1,987,259 355,482 164,208 289,372 429,294 12,734
252,179 252,179 12,905 124,869 70,328 44,077 – –
234,578 235,002 – 211,206 13,021 10,775 – –
27,654,011 28,570,339 12,229,863 1,818,365 1,909,379 4,856,778 7,748,618 7,336
1,895,735 1,986,845 – 260,243 485,918 598,602 534,697 107,385
484,687 683,826 73,027 32,518 16,783 37,705 82,604 441,189
34,876,612 36,139,535 14,303,054 2,933,609 2,777,836 6,760,146 8,796,246 568,644
1,611,820 1,176,826 5,927 6,004 64,521 138,604 219,938
2,218,419 291 317,493 341,279 946,637 573,670 39,049
2024年半年度報告 中國建設銀行股份有限公司 181
57
(4)
2024
(5)
(a)
2023
(b)
–
–
–
182 中國建設銀行股份有限公司 2024年半年度報告
57
(5)
(c)
(i)
2024 6 30
– 70,707 4 70,711
– 1,122,631 – 1,122,631
2,736 133,251 – 135,987
1,279 740 – 2,019
– 53,778 27,379 81,157
1 119,995 1,214 121,210
15,322 105,962 125,933 247,217
275,703 2,070,956 51 2,346,710
12,216 – 16,168 28,384
307,257 3,678,020 170,749 4,156,026
– 223,469 628 224,097
– 67,249 4 67,253
– 290,718 632 291,350
2024年半年度報告 中國建設銀行股份有限公司 183
57
(5)
(c)
(i)
2023 12 31
– 43,832 8 43,840
– 1,104,787 – 1,104,787
2,219 125,766 – 127,985
374 1,089 – 1,463
– 52,868 27,879 80,747
45 152,391 1,131 153,567
15,222 87,939 135,380 238,541
249,246 1,975,483 54 2,224,783
2,509 – 7,439 9,948
269,615 3,544,155 171,891 3,985,661
– 251,492 687 252,179
– 41,860 8 41,868
– 293,352 695 294,047
184 中國建設銀行股份有限公司 2024年半年度報告
57
(5)
(c)
(i)
(ii)
2024 6 30
2024 1 1 8 27,879 1,131 135,380 54 7,439 171,891 (687) (8) (695)
(4) 536 (180) (10) – – 342 (555) 4 (551)
– – – – (171) 8,705 8,534 – – –
– 2,011 396 5,059 168 24 7,658 (20) – (20)
– (3,047) (133) (14,496) – – (17,676) 634 – 634
2024 6 30 4 27,379 1,214 125,933 51 16,168 170,749 (628) (4) (632)
2023
2023 1 1 11 26,339 2,814 136,740 – 5,511 171,415 (348) (11) (359)
(3) 1,287 (1,067) 1,789 – – 2,006 (72) 3 (69)
– – – – (28) 11 (17) – – –
– 5,740 600 23,522 82 1,941 31,885 (734) – (734)
– (5,487) (1,216) (26,671) – (24) (33,398) 467 – 467
2023 12 31 8 27,879 1,131 135,380 54 7,439 171,891 (687) (8) (695)
2024年半年度報告 中國建設銀行股份有限公司 185
57
(5)
(c)
(ii)
2024 6 30 2023 6 30
1,093 (1,302) (209) 394 (773) (379)
(d)
(i)
2024 6 30 2023 12 31
2024 6 30 2023 12 31
6,961,515 7,407,085 13,341 7,319,525 74,219 6,801,242 7,055,913 15,326 6,890,957 149,630
6,961,515 7,407,085 13,341 7,319,525 74,219 6,801,242 7,055,913 15,326 6,890,957 149,630
(ii)
2024 6 30
5,758.04 2023 12 31
5,175.74 5,525.59 2023 12 31 5,092.82
186 中國建設銀行股份有限公司 2024年半年度報告
57
(6)
2024 6 30
(7)
(8)
2024 1 1 5%
6% 8%
2024年半年度報告 中國建設銀行股份有限公司 187
57
(8)
2024 6 30
2024 6 30
(a)(b) 14.01%
(a)(b) 14.92%
(a)(b) 19.25%
385,627
369,906
496,079
1,738,883
51,972
3,331
2,145
4,746
520
199,968
135
1,236
528,967
200
408,666
(c) 3,038,387
(c) 3,237,254
(c) 4,175,087
(d) 21,690,492
(a)
(b)
(c)
(d)
188 中國建設銀行股份有限公司 2024年半年度報告
58
2024 6 30 2023 12 31
3,179,504 3,050,045
108,931 108,043
82,672 59,429
745,892 737,669
69,753 42,455
890,759 961,642
24,224,801 22,687,855
280,515 282,636
6,898,429 6,737,686
2,152,653 2,050,691
102,810 102,820
15,186 15,186
110,119 112,768
3,600 7,025
11,767 12,044
4,372 5,101
115,777 118,296
320,080 246,589
39,317,620 37,337,980
1,102,834 1,155,634
3,406,749 2,763,227
384,220 311,751
212,491 245,603
67,101 40,585
33,139 211,061
28,337,556 27,312,712
43,229 46,524
39,422 71,920
40,313 42,409
2,153,006 1,829,333
36 55
336,930 223,956
36,157,026 34,254,770
2024年半年度報告 中國建設銀行股份有限公司 189
58
2024 6 30 2023 12 31
250,011 250,011
59,977 59,977
139,991 139,991
134,813 134,813
51,545 31,314
369,906 369,906
484,924 484,917
1,669,427 1,612,281
3,160,594 3,083,210
39,317,620 37,337,980
2024 8 30
190 中國建設銀行股份有限公司 2024年半年度報告
58
2024 1 1 250,011 59,977 139,991 134,813 31,314 369,906 484,917 1,612,281 3,083,210
– – – – 20,231 – 7 57,146 77,384
– – – – 20,231 – – 157,157 177,388
1. – – – – – – 7 (7) –
2.
– – – – – – – (100,004) (100,004)
2024 6 30 250,011 59,977 139,991 134,813 51,545 369,906 484,924 1,669,427 3,160,594
2023 1 1 250,011 59,977 79,991 134,826 25,948 337,527 431,967 1,476,187 2,796,434
– – – – 6,691 – 2 65,642 72,335
– – – – 6,691 – – 162,898 169,589
1. – – – – – – 2 (2) –
2.
– – – – – – – (97,254) (97,254)
2023 6 30 250,011 59,977 79,991 134,826 32,639 337,527 431,969 1,541,829 2,868,769
2024年半年度報告 中國建設銀行股份有限公司 191
58
2023 1 1 250,011 59,977 79,991 134,826 25,948 337,527 431,967 1,476,187 2,796,434
– – 60,000 (13) 5,366 32,379 52,950 136,094 286,776
– – – – 5,366 – – 323,787 329,153
1.
– – 60,000 (13) – – – – 59,987
1. – – – – – 32,379 – (32,379) –
2. – – – – – – 52,950 (52,950) –
3. – – – – – – – (97,254) (97,254)
4.
– – – – – – – (5,110) (5,110)
2023 12 31 250,011 59,977 139,991 134,813 31,314 369,906 484,917 1,612,281 3,083,210
59
2024 7 8 500.00 400.00
10 5 2.21% 100.00
15 10 2.37% 2024 7 16
2027 10.00 3
+0.55% 2024 7 16 2027 20.00 3
2.83% 2024 8 12 500.00
350.00 4 3
2.00% 150.00 6 5
2.10%
2024 8 18 2014 8 18 5.98% 200.00
2024 7 10.75
10
192 中國建設銀行股份有限公司 2024年半年度報告
60
61
1
62
2024 6 30
(1) 10 28
(2) 21 2025 1 1
(3) 18 2027 1 1
(4) 19 2027 1 1
(5) 9 7 2026 1 1
(1) 10 28
10 28
3
(2) 21
21
(3) 18
18 1
1 18
3
2024年半年度報告 中國建設銀行股份有限公司 193
62
(4) 19
(IASB) 19
19
19
(5) 9 7
9 7
ESG
7 ESG
2026 1 1
194 中國建設銀行股份有限公司 2024年半年度報告
1
2024 6 30
2024 6 30 2024 6 30
2
2024 6 30
1,082,284 342,832 399,961 1,825,077
(1,081,396) (540,036) (245,097) (1,866,529)
2,971,927 352,354 (143,044) 3,181,237
(2,955,162) (102,345) 23,037 (3,034,470)
(48,124) (3) (2,835) (50,962)
(30,471) 52,802 32,022 54,353
53,570 2,564 (20) 56,114
2023 12 31
1,056,484 332,056 443,799 1,832,339
(1,089,924) (441,868) (282,838) (1,814,630)
1,873,971 210,735 105,261 2,189,967
(1,870,891) (65,420) (237,857) (2,174,168)
(12,457) (1) (32) (12,490)
(42,817) 35,502 28,333 21,018
40,763 2,564 (20) 43,307
–
–
–
2024年半年度報告 中國建設銀行股份有限公司 195
3
10%
2024 6 30
225,900 113,297 594,683 82,869 1,016,749
19,066 35,696 333,244 11,901 399,907
33,155 45,643 75,937 1,873 156,608
38,617 212,397 67,510 – 318,524
297,672 371,337 738,130 84,742 1,491,881
2023 12 31
229,433 97,347 541,427 65,220 933,427
17,595 31,662 274,185 52,352 375,794
43,335 47,236 72,948 5,330 168,849
22,996 211,384 50,097 35,518 319,995
295,764 355,967 664,472 106,068 1,422,271
196 中國建設銀行股份有限公司 2024年半年度報告
4
2024 6 30 2023 12 31
66,786 50,966
38,285 31,103
31,514 25,278
30,193 24,005
26,892 19,627
11,968 12,674
12,353 11,458
8,995 7,120
226,986 182,231
5
2024 6 30
地址及郵編
中國北京 市 西城區金融 大 街 2 5 號
100033
www.ccb.cn
www.ccb.com
可循環再造紙張印刷
中國建設銀行股份有限公司
(於中華人民共和國註冊成立的股份有限公司)
股份代號 :
939（H股普通股）
601939（A股普通股） 360030（境內優先股）