第一篇：中國建設(shè)銀行公布2009年第一季度業(yè)績

中國建設(shè)銀行2009年第三季度凈利潤同比增長

18.6%

10月23日，中國建設(shè)銀行股份有限公司（以下簡稱建行）發(fā)布了2009年第三季度報(bào)告。2009年第三季度，建行繼續(xù)堅(jiān)持積極穩(wěn)健的經(jīng)營方針，加快業(yè)務(wù)結(jié)構(gòu)調(diào)整，推進(jìn)全面風(fēng)險(xiǎn)管理，同步實(shí)現(xiàn)了凈利潤的穩(wěn)健增長和不良貸款額、不良貸款率的持續(xù)“雙降”。

資產(chǎn)利潤穩(wěn)健增長，績效指標(biāo)總體企穩(wěn)。今年第三季度，盡管受到利差收窄等因素影響，建行仍實(shí)現(xiàn)凈利潤303.21億元(以下數(shù)據(jù)除特別注明外均按國際財(cái)務(wù)報(bào)告準(zhǔn)則計(jì)算，為本集團(tuán)數(shù)據(jù)，幣種為人民幣)，同比增長達(dá)18.56%；每股收益0.13元，同比增長18.18%。截至9月30日，建行在前三季度已實(shí)現(xiàn)凈利潤861.62億元，同比增長2.25%；實(shí)現(xiàn)手續(xù)費(fèi)及傭金凈收入357.63億元，較上年同期增長20.94%。同期，資產(chǎn)總額較上年末增長23.80%，達(dá)到9.35萬億元；負(fù)債總額較上年末增長24.39%，達(dá)到8.82萬億元，為實(shí)現(xiàn)可持續(xù)發(fā)展奠定了堅(jiān)實(shí)基礎(chǔ)。

在資產(chǎn)規(guī)模和經(jīng)營利潤穩(wěn)健增長的同時(shí)，建行主要績效指標(biāo)總體保持穩(wěn)定。今年前三季度，凈利差及凈利息收益率分別為2.30%和 2.41%，雖較上年同期有所下降，但降幅已進(jìn)一步收窄。同期，年化平均股東權(quán)益回報(bào)率為22.78%，較上半年提高0.24個(gè)百分點(diǎn)。成本收入比為35.55%，保持在較低水平。信貸投放節(jié)奏合理，結(jié)構(gòu)調(diào)整取得實(shí)效。今年以來，建行認(rèn)真貫徹執(zhí)行適度寬松的貨幣政策，合理把握信貸投放規(guī)模。截至9月30日，全行客戶貸款和墊款凈額為45,632.08億元，較上年末增加8,796.33億元，增長23.88%。

建行將“調(diào)結(jié)構(gòu)”作為信貸管理重點(diǎn)，將鞏固傳統(tǒng)優(yōu)勢業(yè)務(wù)與加快發(fā)展創(chuàng)新業(yè)務(wù)有機(jī)結(jié)合，信貸資源配置進(jìn)一步優(yōu)化。截至9月30日，投向基礎(chǔ)設(shè)施行業(yè)的貸款較上年末增長27.47%至15,149.15億元，增速高于全部對公貸款的平均增速。境內(nèi)分行個(gè)人貸款余額達(dá)到10,302.86億元，其中個(gè)人住房貸款余額8,764.11億元，新增額及余額居同業(yè)領(lǐng)先。

今年前三季度，建行在小企業(yè)、“三農(nóng)”等新業(yè)務(wù)領(lǐng)域的信貸投放持續(xù)增長。與浙江省人民政府、阿里巴巴公司等共同發(fā)起設(shè)立小企業(yè)網(wǎng)絡(luò)銀行貸款風(fēng)險(xiǎn)池，并在北京、上海、浙江等地區(qū)加速拓展“e貸通”網(wǎng)絡(luò)銀行貸款業(yè)務(wù)?！靶刨J工廠”模式小企業(yè)經(jīng)營中心增至122家，較年初新增44家。截至9月30日，中小企業(yè)貸款新增1,693億元，增速達(dá)16.5%。同期涉農(nóng)貸款新增1,343.97億元，增速達(dá)31.52%。

作為信貸結(jié)構(gòu)調(diào)整的重要舉措，建行嚴(yán)控對“兩高一資”、產(chǎn)能過剩行業(yè)貸款，完善名單制管理。今年前三季度主動(dòng)退出貸款558億元，資產(chǎn)結(jié)構(gòu)得到優(yōu)化。

風(fēng)險(xiǎn)監(jiān)控力度不斷加大，貸后管理全面強(qiáng)化。今年前三季度，面對經(jīng)濟(jì)金融形勢的新變化，建行堅(jiān)持信貸審批標(biāo)準(zhǔn)，加大貸后檢查力度，認(rèn)真監(jiān)控貸款用途，風(fēng)險(xiǎn)管理的精細(xì)化、差別化水平得到顯著提 升。

截至9月30日，建行不良貸款余額為736.82億元，較上年末減少102億元；不良貸款率為1.57%，較上年末下降0.64個(gè)百分點(diǎn)，繼續(xù)保持“雙降”態(tài)勢。其中，境內(nèi)分行個(gè)人住房貸款不良率為0.58%，貸款質(zhì)量良好。減值準(zhǔn)備對不良貸款比率為161.08%，較上年末上升29.50個(gè)百分點(diǎn)，抗風(fēng)險(xiǎn)能力不斷增強(qiáng)。

截至9月30日，建行股東權(quán)益總額為5,370.25億元，較上年末增加694.63億元，增長14.86%；核心資本充足率為9.57%，較6月底提高0.27個(gè)百分點(diǎn)；資本充足率為12.11%，較6月底提高0.14個(gè)百分點(diǎn)。

服務(wù)更趨專業(yè)精細(xì)，質(zhì)量效率穩(wěn)步提升。建行將提高客戶服務(wù)的精細(xì)化、專業(yè)化水平作為重要目標(biāo)。今年9月，建行引進(jìn)美國銀行的經(jīng)驗(yàn)技術(shù)，在境內(nèi)銀行業(yè)中首家創(chuàng)辦產(chǎn)品創(chuàng)新實(shí)驗(yàn)室，收集和篩選來自客戶等各方面的產(chǎn)品創(chuàng)意，為業(yè)務(wù)創(chuàng)新提供重要依據(jù)。在滿足客戶需求方面，建行新增及優(yōu)化手機(jī)銀行多項(xiàng)功能，手機(jī)銀行客戶數(shù)突破1000萬，繼續(xù)領(lǐng)先境內(nèi)同業(yè)；推出個(gè)人網(wǎng)上銀行短信驗(yàn)證服務(wù)及“E路護(hù)航網(wǎng)銀安全組件”，提升了網(wǎng)上銀行安全性，并率先推出通過網(wǎng)上銀行向手機(jī)銀行客戶轉(zhuǎn)賬功能，電子銀行與柜面交易量之比持續(xù)提升；信用卡發(fā)卡總量達(dá)2300余萬張，消費(fèi)交易額、新增貸款額位居境內(nèi)銀行前列。

在綜合化服務(wù)方面，建行積極推進(jìn)以優(yōu)化中高端客戶服務(wù)流程為核心的零售網(wǎng)點(diǎn)二代轉(zhuǎn)型項(xiàng)目，截至9月30日，已有770余家網(wǎng)點(diǎn) 實(shí)現(xiàn)二代轉(zhuǎn)型。今年8月，建行全資子公司---中國建設(shè)銀行（亞洲）股份有限公司成功收購了以信用卡、個(gè)人貸款為主要業(yè)務(wù)的美國國際信貸（香港）有限公司，進(jìn)一步完善了建行在港澳地區(qū)業(yè)務(wù)布局。

當(dāng)前，全球經(jīng)濟(jì)金融形勢仍然十分復(fù)雜，國內(nèi)經(jīng)濟(jì)正處于企穩(wěn)回升的關(guān)鍵時(shí)期,監(jiān)管機(jī)構(gòu)對商業(yè)銀行的經(jīng)營管理提出了更高的要求。建行將認(rèn)真研究銀行經(jīng)營管理中面臨的挑戰(zhàn)，進(jìn)一步推進(jìn)業(yè)務(wù)結(jié)構(gòu)調(diào)整，科學(xué)把握信貸投放節(jié)奏，完善風(fēng)險(xiǎn)管理長效機(jī)制，努力完成今年各項(xiàng)發(fā)展目標(biāo)，繼續(xù)為鞏固經(jīng)濟(jì)平穩(wěn)較快發(fā)展良好勢頭做出貢獻(xiàn)。

第二篇：中國建設(shè)銀行公布2009經(jīng)營業(yè)績

中國建設(shè)銀行公布2009經(jīng)營業(yè)績

服務(wù)大局促發(fā)展 穩(wěn)健經(jīng)營創(chuàng)佳績

2010年3月28日，中國建設(shè)銀行股份有限公司（以下簡稱建行）發(fā)布了2009經(jīng)營業(yè)績報(bào)告。2009年，在國際金融危機(jī)蔓延、國內(nèi)經(jīng)濟(jì)發(fā)展極為困難的形勢下，建行認(rèn)真貫徹國家宏觀經(jīng)濟(jì)政策，堅(jiān)持積極審慎的經(jīng)營方針，科學(xué)統(tǒng)籌業(yè)務(wù)發(fā)展、風(fēng)險(xiǎn)防范和結(jié)構(gòu)調(diào)整，取得了好于預(yù)期的經(jīng)營業(yè)績，出色地完成了全年經(jīng)營目標(biāo)。

行長張建國表示：“在過去的一年里，建行以改革創(chuàng)新精神服務(wù)國家經(jīng)濟(jì)發(fā)展大局，堅(jiān)持積極審慎的經(jīng)營方針，始終牢牢把握住風(fēng)險(xiǎn)控制的主動(dòng)權(quán)，在復(fù)雜的經(jīng)營環(huán)境中贏得了市場先機(jī)，各項(xiàng)業(yè)務(wù)扎實(shí)穩(wěn)步推進(jìn)，為未來的可持續(xù)發(fā)展奠定了堅(jiān)實(shí)基礎(chǔ)?！?/p>

經(jīng)營規(guī)模再創(chuàng)新高

發(fā)展質(zhì)量穩(wěn)步提升

2009年，在國家實(shí)施應(yīng)對國際金融危機(jī)一攬子計(jì)劃的大背景下，建行結(jié)合自身發(fā)展戰(zhàn)略，加大對經(jīng)濟(jì)和民生領(lǐng)域的金融支持力度，存貸款新增創(chuàng)歷史新高，資產(chǎn)規(guī)模持續(xù)增長。截至2009年12月31日，建行資產(chǎn)總額為96,233.55億元（以下數(shù)據(jù)除特別注明外均按國際財(cái)務(wù)報(bào)告準(zhǔn)則計(jì)算，為本集團(tuán)數(shù)據(jù)，幣種為人民幣），較上年末增長27.37%，其中客戶貸款和墊款凈額為46,929.47億元，較上年末增長27.40%；負(fù)債總額為90,643.35億元，較上年末增長27.88%，其中客戶存款增長25.49%至80,013.23億元。

建行注重提高業(yè)務(wù)發(fā)展質(zhì)量和效益，獲得了良好的業(yè)績回報(bào)。全年實(shí)現(xiàn)稅前利潤1,387.25億元，較上年增長15.85%，凈利潤首破千億元,達(dá)1,068.36億元，增長15.32%，超額完成全年利潤計(jì)劃。雖然受存貸款基準(zhǔn)利率下調(diào)及市場利率下行等因素影響，凈利息收益率比上年同期下降0.83個(gè)百分點(diǎn)至2.41%，但通過創(chuàng)新產(chǎn)品、拓展市場及 優(yōu)化投資交易策略，非利息收入實(shí)現(xiàn)了28.11%的增長，其中手續(xù)費(fèi)及傭金凈收入增長25.00%至480.59億元，保證了全行經(jīng)營收入與上年基本持平。平均資產(chǎn)回報(bào)率、平均股東權(quán)益回報(bào)率分別為1.24%和20.87%，在國際大型商業(yè)銀行中位于前列。

資產(chǎn)質(zhì)量持續(xù)改善，不良貸款率降至1.50%，較上年末下降0.71個(gè)百分點(diǎn)；風(fēng)險(xiǎn)抵御能力進(jìn)一步增強(qiáng)。減值準(zhǔn)備對不良貸款比率提至175.77%，較上年末提高44.19個(gè)百分點(diǎn)；資本充足率為11.70%，核心資本充足率為9.31%，均符合管理目標(biāo)。全行嚴(yán)控成本管理，經(jīng)營費(fèi)用增幅為2005年上市以來最低水平，員工成本增幅低于稅前利潤和凈利潤的增幅。

穩(wěn)健經(jīng)營和持續(xù)發(fā)展的成果，進(jìn)一步提升了建行的形象和品牌價(jià)值。在英國《銀行家》“全球商業(yè)銀行品牌十強(qiáng)”中，建行位居第二位，列中資銀行之首；被英國《歐洲貨幣》、香港《亞洲貨幣》評為“中國最佳銀行”。

服務(wù)經(jīng)濟(jì)社會(huì)大局

信貸投放適度均衡

2009年，建行按照國家決策部署，主動(dòng)將服務(wù)經(jīng)濟(jì)社會(huì)發(fā)展大局與調(diào)整信貸結(jié)構(gòu)相結(jié)合，加大對關(guān)系國計(jì)民生領(lǐng)域和項(xiàng)目的信貸支持力度，客戶貸款和墊款總額較上年增加10,258.30億元，為實(shí)體經(jīng)濟(jì)和民生改善輸送了急需的資金“血液”。其中,向符合國家信貸導(dǎo)向的14個(gè)信貸重點(diǎn)投放領(lǐng)域全年投放貸款5,763億元，占同期新投放對公貸款的20.41%；參與支持國家四萬億投資項(xiàng)目446個(gè)，十大振興產(chǎn)業(yè)貸款新增1,451億元，占全行對公貸款新增的22.3%。投向基礎(chǔ)設(shè)施行業(yè)領(lǐng)域的貸款為15,398.98億元，新增額在公司類貸款新增額中的占比達(dá)到53.12%。特別是2009年前2個(gè)月在經(jīng)濟(jì)處于最低谷、企業(yè)最急需資金時(shí)，建行根據(jù)此前儲(chǔ)備優(yōu)質(zhì)項(xiàng)目的情況，及時(shí)投放了3,582億元貸款用于基礎(chǔ)設(shè)施和重點(diǎn)項(xiàng)目建設(shè)，隨后就主動(dòng)調(diào)整投放節(jié)奏，恢復(fù)到穩(wěn)定常態(tài)速度上來，贏得了市場先機(jī)和風(fēng)險(xiǎn)控制主動(dòng)權(quán)。

小企業(yè)、“三農(nóng)”和民生領(lǐng)域是建行信貸投放重點(diǎn)之一。建行小企業(yè) 業(yè)務(wù)實(shí)現(xiàn)了跨越式增長，小企業(yè)授信客戶新增近萬家，小企業(yè)貸款增幅達(dá)47.10%，高于公司類貸款平均增幅 22.51個(gè)百分點(diǎn)，新增貸款大部分集中在中小企業(yè)經(jīng)濟(jì)發(fā)達(dá)的長三角、珠三角和環(huán)渤海地區(qū)。組建“信貸工廠”模式操作的小企業(yè)經(jīng)營中心已達(dá)140家，聯(lián)貸聯(lián)保、法人賬戶透支、小額無抵押貸款以及“e貸通”網(wǎng)絡(luò)銀行等產(chǎn)品服務(wù)日益豐富，探索解決小企業(yè)“融資難”問題有了初步成效。涉農(nóng)貸款新增1,630.96億元，比上年增長38.25%；在新疆、黑龍江、吉林等地推廣小額農(nóng)戶貸款新模式，幫助當(dāng)?shù)靥岣咿r(nóng)業(yè)生產(chǎn)科學(xué)化、集約化水平；新設(shè)和籌建村鎮(zhèn)銀行7家，“三農(nóng)”服務(wù)進(jìn)一步向廣大縣城和村鎮(zhèn)延伸。教育、衛(wèi)生等重點(diǎn)民生領(lǐng)域貸款余額達(dá)1,904.12億元，增幅達(dá)48.56%，遠(yuǎn)高于公司類貸款平均增幅。個(gè)人消費(fèi)貸款較上年增加36.87億元，增幅為4.92%。個(gè)人住房貸款較上年增加2,493.84億元，增幅為41.35%；其中，著力支持居民保障性住房需求，累計(jì)與地方政府主管部門簽署保障性住房合作協(xié)議52個(gè)，支持經(jīng)濟(jì)適用房和限價(jià)房項(xiàng)目506個(gè)，為12.2萬戶居民發(fā)放保障房商業(yè)按揭和公積金貸款208億元。

面對信貸資金快速增長的市場環(huán)境，建行在控制總量的前提下，按照國家產(chǎn)業(yè)政策和市場情況調(diào)整資源配置，合理把握信貸投放的節(jié)奏和力度，既保證了全年信貸投放的均衡性和平穩(wěn)性，又以信貸結(jié)構(gòu)調(diào)整促進(jìn)國家產(chǎn)業(yè)結(jié)構(gòu)優(yōu)化升級。全年貸款增速低于同業(yè)平均，貸款新增額在四行中最少，但信貸投放的均衡性、平穩(wěn)性卻高于同業(yè)平均水平。重點(diǎn)調(diào)控“兩高一?！毙袠I(yè)、房地產(chǎn)業(yè)，相關(guān)貸款余額占比分別比年初下降了2.89、1.24個(gè)百分點(diǎn)；全年主動(dòng)退出公司類貸款767億元?？蛻艚Y(jié)構(gòu)進(jìn)一步優(yōu)化，內(nèi)部評級A級及以上客戶貸款余額占比達(dá)到91.98%，較上年提高2.64個(gè)百分點(diǎn)。

轉(zhuǎn)變業(yè)務(wù)發(fā)展方式

中間業(yè)務(wù)快速增長

2009年，建行積極適應(yīng)經(jīng)濟(jì)形勢和金融市場變化，加大自主創(chuàng)新和研發(fā)力度，拓展新興業(yè)務(wù)，培育新的利潤增長點(diǎn)，在實(shí)現(xiàn)利潤目標(biāo)的同時(shí)，為長遠(yuǎn)發(fā)展打下穩(wěn)固的基礎(chǔ)。全行完成產(chǎn)品創(chuàng)新313項(xiàng),創(chuàng)建 業(yè)內(nèi)首家產(chǎn)品創(chuàng)新實(shí)驗(yàn)室。建行推出一批新興業(yè)務(wù)，為客戶“雪中送炭”:針對深受國際金融危機(jī)沖擊和影響的外貿(mào)企業(yè)，設(shè)計(jì)出“內(nèi)貿(mào)通”系列產(chǎn)品和服務(wù)，涵蓋國際貿(mào)易融資、供應(yīng)鏈融資和人民幣結(jié)算，為近千家外貿(mào)企業(yè)客戶融資余額超過150億元；針對民生領(lǐng)域建設(shè)，推出了面向教育、醫(yī)療、社保、環(huán)保領(lǐng)域的“民本通達(dá)”綜合金融服務(wù)方案，包括優(yōu)化全日制高校銀行負(fù)債和結(jié)構(gòu)，使6,600萬人的養(yǎng)老金在全國范圍內(nèi)自由領(lǐng)取等。此外，順應(yīng)市場的保理預(yù)付款、并購貸款、網(wǎng)絡(luò)銀行貸款等其他新興貸款業(yè)務(wù)也快速增長。

在傳統(tǒng)生息業(yè)務(wù)受到嚴(yán)峻挑戰(zhàn)的情況下，建行中間業(yè)務(wù)有了強(qiáng)勁增長。全年實(shí)現(xiàn)手續(xù)費(fèi)及傭金凈收入480.59億元，手續(xù)費(fèi)及傭金凈收入對經(jīng)營收入比率達(dá)17.84%。財(cái)務(wù)顧問、債務(wù)融資工具承銷、理財(cái)?shù)葮I(yè)務(wù)開展活躍，帶動(dòng)全行境內(nèi)外投資銀行業(yè)務(wù)收入較上年增長48.22%；銀團(tuán)貸款、國內(nèi)保理等業(yè)務(wù)收入分別實(shí)現(xiàn)了116%、300%的高速增長；企業(yè)年金個(gè)人賬戶達(dá)192.54萬戶，較上年增長194.04%；獨(dú)具同業(yè)優(yōu)勢的造價(jià)咨詢業(yè)務(wù)，實(shí)現(xiàn)收入同比增長106%；證券投資基金新獲批53只，新托管47只，均為同業(yè)第一；證券投資基金托管資產(chǎn)凈值6,421億元，成為大型國有商業(yè)銀行中唯一一家市場占比持續(xù)提高的托管銀行。

銀行卡業(yè)務(wù)發(fā)展迅速，運(yùn)行效率大幅提高。借記卡發(fā)卡總量達(dá)2.52億張，消費(fèi)交易額為7,906.63億元，較上年同期增長77.24%，實(shí)現(xiàn)手續(xù)費(fèi)收入45.36億元，較上年增長14.76%；理財(cái)卡發(fā)卡總量達(dá)489.50萬張，較上年末新增122.54萬張。信用卡業(yè)務(wù)持續(xù)健康發(fā)展，累計(jì)客戶2,024萬戶，累計(jì)發(fā)卡量增至2,424萬張，新增553萬張，全年消費(fèi)交易額增至2,927.81億元，貸款余額達(dá)363.32億元，資產(chǎn)質(zhì)量保持良好，累計(jì)客戶、交易額、貸款新增、資產(chǎn)質(zhì)量四項(xiàng)指標(biāo)均居同業(yè)首位。優(yōu)化服務(wù)資源配置

客戶服務(wù)再上水平

2009年，建行深入推進(jìn)“以客戶為中心”的理念機(jī)制建設(shè)，充分了解客戶關(guān)切，滿足客戶需要，進(jìn)一步完善專業(yè)化、差別化的客戶服務(wù)體系，服務(wù)效率和質(zhì)量有了新的提升。零售網(wǎng)點(diǎn)已基本實(shí)現(xiàn)從交易核算為主導(dǎo)向營銷服務(wù)為主導(dǎo)的功能轉(zhuǎn)型，大大增加了柜員與客戶交流的時(shí)間，轉(zhuǎn)型后網(wǎng)點(diǎn)交易效率提高近39%，客戶平均等候時(shí)間下降40.86%。目前，針對提高理財(cái)中心客戶服務(wù)質(zhì)量的第二代網(wǎng)點(diǎn)轉(zhuǎn)型項(xiàng)目正穩(wěn)步推進(jìn)。同時(shí)，繼續(xù)強(qiáng)化自助和電子渠道建設(shè)，投入運(yùn)營的自助銀行增至8,128家；自動(dòng)柜員機(jī)（ATM）較上年末增長12.93%達(dá)36,021臺(tái)，居全球銀行業(yè)前列。個(gè)人網(wǎng)上銀行客戶數(shù)達(dá)到3,959萬戶，較上年增加1,268萬戶，個(gè)人網(wǎng)上銀行交易額 3.01萬億元，較上年增長118％；在線手機(jī)銀行實(shí)現(xiàn)跨越式發(fā)展，客戶數(shù)達(dá)到1,428萬戶，較上年增加935萬戶。電子銀行與柜面交易量之比達(dá)到74.89%。

在細(xì)分客戶、細(xì)分市場的基礎(chǔ)上，建行新建小企業(yè)信貸、財(cái)富管理、投資銀行、企業(yè)年金中心等各類專業(yè)化經(jīng)營機(jī)構(gòu)928個(gè)；大型企業(yè)客戶集中經(jīng)營格局逐步形成，更多資源被釋放投向中小企業(yè)客戶服務(wù)。為減少管理層級、提高管理效能，建行平穩(wěn)推進(jìn)機(jī)構(gòu)扁平化改革，100個(gè)中心城市分行中絕大部分由以前的三級變?yōu)楝F(xiàn)在的兩級或兩級半管理，三分之一取消了綜合型支行設(shè)置，一半以上實(shí)現(xiàn)了零售網(wǎng)點(diǎn)直管。新組建了一大批從事市場營銷、產(chǎn)品開發(fā)、后臺(tái)管理等業(yè)務(wù)的專業(yè)化團(tuán)隊(duì)。

建行服務(wù)質(zhì)量有了明顯提升。2009年下半年，針對營業(yè)網(wǎng)點(diǎn)服務(wù)質(zhì)量的定期“神秘人”調(diào)查得分93.5分，較上年同期高出2.1分。獨(dú)立第三方機(jī)構(gòu)的調(diào)查顯示，建行的個(gè)人客戶滿意度為63.9%，比上年提升2.2個(gè)百分點(diǎn)，高出同業(yè)平均水平3.5個(gè)百分點(diǎn)。綜合客戶服務(wù)水平的提高帶動(dòng)了業(yè)務(wù)發(fā)展，建行當(dāng)年儲(chǔ)蓄存款增速、網(wǎng)均在國內(nèi)大型銀行中均為第一。

2009年是建行海外機(jī)構(gòu)網(wǎng)絡(luò)布局獲得突破的一年。倫敦子銀行、紐約分行相繼開業(yè)，使建行在國際主要金融中心的海外機(jī)構(gòu)布局基本 完成。胡志明市分行也獲得當(dāng)?shù)乇O(jiān)管機(jī)構(gòu)批準(zhǔn)。建行位于香港的全資子公司建行亞洲收購美國國際信貸（香港）有限公司，從而在港澳地區(qū)擁有信用卡業(yè)務(wù)平臺(tái)，完善了港澳地區(qū)業(yè)務(wù)布局。截至2009年12月31日，建行海外機(jī)構(gòu)資產(chǎn)總額增至2,344.60億元，較上年增長92.82%。

實(shí)施精細(xì)化管理

風(fēng)險(xiǎn)內(nèi)控能力增強(qiáng)

2009年，建行堅(jiān)持以效益為中心，以市場為導(dǎo)向，不斷提高風(fēng)險(xiǎn)管控水平與業(yè)務(wù)精細(xì)化運(yùn)作能力。推進(jìn)貸前平行作業(yè)集約化和專業(yè)化管理，規(guī)范貸后平行作業(yè)操作流程，完善平行作業(yè)機(jī)制。進(jìn)一步細(xì)分行業(yè)，將十幾個(gè)行業(yè)門類細(xì)分到90多個(gè)行業(yè)大類，業(yè)務(wù)經(jīng)營方向目標(biāo)更清晰。堅(jiān)持行業(yè)的限額管理和名單制管理，對“兩高一?！钡?6個(gè)行業(yè)全部實(shí)現(xiàn)了名單制管理。同時(shí)，將海外分行納入全行風(fēng)險(xiǎn)管理統(tǒng)一框架，進(jìn)一步完善海外機(jī)構(gòu)風(fēng)險(xiǎn)管控機(jī)制。

以實(shí)施新資本協(xié)議為契機(jī)，建行規(guī)劃設(shè)計(jì)了完整的風(fēng)險(xiǎn)管理應(yīng)用架構(gòu)，逐步夯實(shí)風(fēng)險(xiǎn)管理數(shù)據(jù)基礎(chǔ)，推進(jìn)風(fēng)險(xiǎn)計(jì)量工具的建設(shè)和運(yùn)用，持續(xù)優(yōu)化對公評級模型及零售評分卡系統(tǒng)，扎實(shí)推進(jìn)全面風(fēng)險(xiǎn)管理體系建設(shè)，提升核心競爭力。風(fēng)險(xiǎn)管理的專業(yè)化、精細(xì)化水平顯著提升，更好地契合全行戰(zhàn)略轉(zhuǎn)型、業(yè)務(wù)發(fā)展和風(fēng)險(xiǎn)控制的需要。

建行密切跟蹤政策和市場變化，針對新的風(fēng)險(xiǎn)苗頭果斷采取應(yīng)對措施。當(dāng)市場上出現(xiàn)對政府融資平臺(tái)貸款超常增長時(shí)，建行及時(shí)出臺(tái)措施加強(qiáng)管理，停止對縣級政府融資平臺(tái)客戶貸款投放，嚴(yán)控對財(cái)力弱的地方政府融資平臺(tái)提供信貸支持，控制政府融資平臺(tái)貸款增長。建行明確對不計(jì)成本競拍“地王”、圈地不建的開發(fā)商不予貸款。此外，加強(qiáng)衍生產(chǎn)品交易風(fēng)險(xiǎn)控制，風(fēng)險(xiǎn)敞口不斷壓縮。

加強(qiáng)員工民主管理

全面履行企業(yè)公民責(zé)任

2009年，建行在完善民主管理、創(chuàng)建和諧企業(yè)方面取得新的進(jìn)展。廣大員工通過職工代表大會(huì)制度參與企業(yè)管理，全行各級分支機(jī)構(gòu)已 成立職代會(huì)1,760個(gè)，召開大會(huì)2,029次，審議涉及員工切身利益的規(guī)章制度和重大事項(xiàng)。從優(yōu)化業(yè)務(wù)流程入手，通過完成柜面業(yè)務(wù)前后臺(tái)分離和后臺(tái)集中改革，在提高整體服務(wù)水平的同時(shí)，降低了柜員操作的復(fù)雜程度，有效地減輕了一線員工的工作強(qiáng)度和壓力。

建行視員工為最寶貴資源，為他們成長提供廣闊平臺(tái)。健全管理、專業(yè)技術(shù)和經(jīng)辦崗位職務(wù)序列體系，為員工開辟了多條職業(yè)發(fā)展通道。同時(shí)，全年共舉辦境內(nèi)外各類培訓(xùn)24,486期，培訓(xùn)131萬人次，分別比去年同期增長10.67%、27.16%。在壓縮其它經(jīng)費(fèi)開支的情況下，員工培訓(xùn)投入持續(xù)增加。近期調(diào)研結(jié)果表明，建行員工總體滿意度達(dá)到94%。

在經(jīng)營業(yè)績穩(wěn)步提升的同時(shí)，建行還不忘積極履行企業(yè)公民責(zé)任。全年共實(shí)施了13個(gè)與社會(huì)公益相關(guān)的項(xiàng)目，投入總金額約7,274萬元人民幣。其中，捐款6,000萬元人民幣，設(shè)立了“中國建設(shè)銀行少數(shù)民族大學(xué)生成才計(jì)劃獎(jiǎng)（助）學(xué)金”，將連續(xù)五年在內(nèi)蒙古、新疆、西藏、廣西、寧夏等16個(gè)少數(shù)民族相對集中聚居的省、自治區(qū)內(nèi)，資助品學(xué)兼優(yōu)的少數(shù)民族貧困大學(xué)生。2009年，建行被國內(nèi)《銀行家》雜志評為“最佳履行社會(huì)責(zé)任銀行”，被中國紅十字基金會(huì)授予“改革開放三十年·最具責(zé)任感企業(yè)獎(jiǎng)”。

董事長郭樹清表示：“2010年，建行的改革發(fā)展仍會(huì)面臨困難與挑戰(zhàn)。我們將繼續(xù)貫徹落實(shí)科學(xué)發(fā)展觀，加大支持服務(wù)經(jīng)濟(jì)結(jié)構(gòu)調(diào)整和小企業(yè)、三農(nóng)、民生領(lǐng)域發(fā)展力度，堅(jiān)持穩(wěn)健經(jīng)營策略，繼續(xù)強(qiáng)化風(fēng)險(xiǎn)管控，進(jìn)一步提升經(jīng)營管理的專業(yè)化和精細(xì)化水平，力爭創(chuàng)造更好的業(yè)績?！?公司簡介：

中國建設(shè)銀行股份有限公司（以下簡稱建行）在中國擁有長期的經(jīng)營歷史，其前身中國人民建設(shè)銀行于1954年成立，1996年更名為中國建設(shè)銀行。中國建設(shè)銀行股份有限公司由原中國建設(shè)銀行于2004年9月分立而成立，繼承了原中國建設(shè)銀行的商業(yè)銀行業(yè)務(wù)及相關(guān)的資產(chǎn)和負(fù)債。建行總部設(shè)在北京。截至2009年12月31日，建行在中國內(nèi)地設(shè)有分支機(jī)構(gòu)13,384家，在香港、新加坡、法蘭克福、約翰內(nèi)斯堡、東京、首爾、紐約設(shè)有分行，在悉尼設(shè)有代表處，擁有建行亞洲、建銀國際、建行倫敦、建信基金、建信金融租賃、建信信托等多家子公司，擁有員工約30萬人，為客戶提供全面的金融服務(wù)。

建行于2005年10月在香港聯(lián)合交易所掛牌上市（股票代碼939），于2007年9月在上海證券交易所掛牌上市（股票代碼601939）。截至2009年12月31日，建行市值約2,014億美元，居全球上市銀行第2位。China Construction Bank Announces 2009 Annual Operating Results

Promoting development for the greater good Delivering outstanding results from prudent operation March 2010-China Construction Bank Corporation(“CCB” or “the Bank”)released its 2009 annual operating results today.In 2009, at a time when the global financial crisis was spreading around the world and domestic economic development was extremely difficult, CCB earnestly implemented national macroeconomic policies;relentlessly pursued a proactive yet prudent operational strategy;and scientifically coordinated its business development, risk prevention and structural adjustment tasks.The Bank subsequently achieved better than expected operating results and attained its annual business objectives outstandingly.Zhang Jianguo, president of the Bank, said, “In the past year, CCB had been serving the greater good of the national economy in a spirit of reform and innovation.We have been relentless in pursuing a principle of proactive yet prudent operation, while firmly taking initiatives in controlling risks.Consequently, despite the complicated business environment, we were able to seize market opportunities and achieve solid advancement in all segments of our business, thereby laying a firm foundation for sustainable development in future.”

Operation scale sets a new record Development quality improves steadily

In 2009, against the backdrop of the national package programme to face the global financial crisis combined with CCB?s development strategy, the Bank redoubled financial support efforts in economic and livelihood areas while it registered historical records in new deposits and loans and sustained asset growth.As of 31 December 2009, the Bank?s total assets were RMB9.623355 trillion(unless otherwise stated, the data hereinafter are calculated in accordance with International Financial Reporting Standards on a consolidated basis and are reckoned in RMB), a growth of 27.37% from the end of the previous year.Of this, net loans and advances to customers were RMB4.692947 trillion, up 27.40% from the previous year-end;total liabilities were RMB9.064335 trillion, up 27.88% from the previous year-end, of which deposits from customers grew 25.49% to RMB8.001323 trillion.CCB?s focus on raising the quality and efficiency of business development was rewarded with excellent business results.In the year, it realised profit before tax of RMB138.725 billion, a growth of 15.85% from the previous year;its net profit exceeded RMB100 billion for the first time to reach RMB106.836 billion, growing by 15.32% to exceed the annual target for profit.As benchmark interest rates for deposits and loans were revised downwards and market interest rates dropped, the Bank?s net interest margin dropped 0.83 percentage points from the same period in the previous year to 2.41%.However, through innovation of products, expansion of markets and optimisation of investment trading strategies, non-interest income grew by 28.11%, of which net fee and commission income increased 25.00% to RMB48.059 billion, guaranteeing that the Bank?s operating income was basically on a par with that of the previous year.CCB's return on average assets and return on average equity of 1.24% and 20.87% respectively were in leading positions among major international commercial banks.Sustained improvements were obtained in the Bank?s asset quality: its non-performing loan ratio decreased to 1.50%, representing a drop of 0.71 percentage points from the end of the previous year.The Bank?s capability in withstanding risks was further enhanced.CCB raised its allowances to non-performing loan ratio to 175.77% or an increase of 44.19 percentage points from the end of the previous year.It had a capital adequacy ratio of 11.70% and a core capital adequacy ratio of 9.31%, both meeting management targets.As a result of stringent cost tightening throughout the Bank, the increase in operating expenses was the lowest since its listing in 2005, while the growth in staff costs was lower than the growth in profit before tax and net profit.The results of CCB?s prudent operation and sustained development have further enhanced its corporate image and brand value.The Bank ranked second in the “Commercial Banking Top 10” by the Banker, a UK magazine, among which CCB ranked first in all Chinese banks.It was also named the “Best Bank in China” by both Euromoney magazine in the UK and Asiamoney magazine in Hong Kong.Serves greater economic good Credit placement in a balanced and appropriate manner In 2009, in accordance with national decisions and planning, CCB proactively combined the serving of the greater economic good with the adjustment of its credit structure.By doing so, it boosted credit support to areas and projects related to the national economy and the people?s livelihood.Gross loans and advances to customers increased by RMB1.02583 trillion compared to the previous year, injecting urgently needed “capital blood” to the real economy and the improvement of people?s livelihood.In particular, lending to 14 key credit placement areas meeting the State?s credit policies amounted to RMB576.3 billion for the whole year, which made up 20.41% of all new corporate loans in the same period.The Bank also participated in the support of 446 of the State?s RMB4 trillion investment projects, while new loans to the 10 industries marked for revitalisation were RMB145.1 billion or 22.3% of all new corporate loans.Loans to infrastructure industries amounted to RMB1.539898 trillion.Such new loans made up 53.12% of new corporate loans.Specifically, during the economic trough in the first two months of 2009, when businesses were in dire need of funds, the Bank issued RMB358.2 billion in loans in time for the construction of infrastructures and key projects, based on situations of previous quality reserve projects.Afterwards, it proactively adjusted its tempo of credit placement back to the usual steady rate, thus pre-empting market opportunities and taking the initiative in risk control.Small enterprises, the “Three Rurals”(the agricultural industry, rural areas and farmers)and livelihood areas are key targets for CCB?s credit placement.The Bank?s business in the small enterprise segment witnessed dramatic growth: almost 10,000 additional small enterprise clients were provided with credit lines and the growth of small enterprise loans was 47.10%.The growth in small enterprise loans was 22.51 percentage points higher than the average growth in corporate loans, and most of the new loans were concentrated in the Yangtze River Delta, the Pearl River Delta and the Bohai Rim areas where small and medium enterprise economies are flourishing.CCB has established 140 small enterprise operations centres in the form of “credit factories”.Products and services such as “Joint Loan & Joint Guarantee”, overdraft facilities for corporate accounts, small amount unsecured credit loans and “e-loans” through Internet banking are multiplying.Solutions to meet the financing difficulties of small enterprises have been met with initial success.The agriculture related loans were increased by RMB163.096 billion or 38.25% from last year.A new model for small amount farming household loans was promoted in Xinjiang, Heilongjiang and Jilin to help raise scientific and intensity levels of local agricultural production.In addition, 7 rural banks were established or planned to further extend the Bank?s “Three Rural” services to the multitude of counties and villages around the country.The balance of loans to key livelihood areas such as education and healthcare reached RMB190.412 billion—this represented a growth of 48.56%, far exceeding the average growth of corporate loans.Personal consumption loans increased by RMB3.687 billion from the previous year, with a growth of 4.92%.Residential mortgage loans increased by RMB249.384 billion or 41.35% from last year.In particular, in endeavouring to meet the demand for subsidised housing, CCB entered into a total of 52 cooperation agreements for subsidised housing with local government authorities.It also provided support for 506 projects in “affordable housing” and “l(fā)imited price housing” and issued RMB20.8 billion in commercial mortgages for subsidised housing and in provident fund loans for 122,000 households.Under a market situation in which credit funds were growing rapidly, CCB adjusted its resource allocation in accordance with national industrial policies and market conditions and reasonably regulated the pace and degree of credit placement on the basis of retaining control of overall credit.It was able to guarantee the balance and steadiness of its credit placement for the whole year, while promoting the optimisation and upgrading of the national industrial structure by credit structure adjustment.CCB?s loan growth for the whole year was below the average for the domestic banking industry and its amount of new loans was the lowest among China's four major commercial banks.Yet in terms of the evenness and steadiness of credit placement it was above the industry average.By focusing on restricting loans to industries with high energy consumption, high pollution or overcapacity(the “two highs one over” sector)and to the real estate sector, the Bank was able to lower corresponding balance of loans by 2.89 and 1.24 percentage points compared to the beginning of the year and, for the whole year, RMB76.7 billion in corporate loans were withdrawn.CCB's customer structure also saw further improvements: the balance of its loans granted to customers with internal ratings of A and above accounted for 91.98% of total loans, up 2.64 percentage points over the preceding year.Switching business development mode Rapid growth in intermediary business

In 2009, in proactively adapting to economic conditions and changes in the financial market, CCB intensified its efforts in independent innovation and research and development.By forging into emerging businesses and nurturing new profit growth points, the Bank was able to lay down a solid foundation for long-term development, while achieving its profit targets.In the year, the Bank completed 313 product innovation projects and established the first product innovation laboratory in the banking industry.A range of emerging businesses was launched to help customers out in their times of need.For foreign trade enterprises deeply affected by the global financial crisis, CCB designed a series of products and services under the brand name of “Domestic Trade Pass” covering international trade financing, supply chain financing and Renminbi settlement.As a result, the balance of financing nearly 1,000 or so foreign trade enterprises exceeded RMB15 billion.To help strengthen livelihood areas, the Bank launched a series of “Livelihood Oriented Products” integrated financial service programmes to address needs from education, medical, social insurance and environmental protection sectors.These programmes resulted, for instance, in the improvement in the liabilities and financial structures of banks in full-time institutions of tertiary education and the unimpeded withdrawal of pension funds throughout China by 66 million pensioners.Moreover, other new lending businesses launched in response to market needs such as factoring advances, M&A loans and Internet banking loans grew rapidly.At a time when traditional interest-earning businesses were under serious challenges, CCB?s intermediary business witnessed robust growth.For the whole year, the Bank realised net fee and commission income of RMB48.059 billion.The ratio of net fee and commission income to operating income was 17.84%.Businesses in financial advisory, underwriting of debt financing instruments and wealth management flourished throughout the year, driving a growth in income of 48.22% for the Bank?s domestic and overseas investment banking business from the previous year.Income from syndicated loans and domestic factoring achieved rapid growth rates of 116% and 300% respectively.The number of personal accounts for enterprise annuities in CCB was 1.9254 million, a growth of 194.04% from the year before.In engineering cost advisory service in which CCB has a unique edge over its peers, income rose 106% on a year-on-year basis.The Bank was granted permission to launch 53 new securities investment funds and take custody of 47 new funds, which were the highest figures in the banking industry.With the net value of securities investment funds under its custody reaching RMB642.1 billion, CCB was the only major state-owned commercial bank whose market share as a custodian bank increased continuously.CCB?s bank card business developed swiftly while operating efficiency was raised substantially.The total number of debit cards issued was 252 million and the amount of consumption transactions totalled RMB790.663 billion, representing a year-on-year growth of 77.24%.Fee income from this area was RMB4.536 billion, a growth of 14.76% from the previous year.The total number of “wealth management cards” issued was 4.895 million, an increase of 1.2254 million over the end of the preceding year.The Bank?s credit card business continued to develop healthily: the cumulative number of customers was 20.24 million and the cumulative number of cards issued was 24.24 million.With a total of 5.53 million new cards issued, with total spending through credit cards increasing to RMB292.781 billion, with the balance of credit card loans reaching RMB36.332 billion and with asset quality remaining sound, CCB was the leader in the banking industry in terms of the four indexes of cumulative number of customers, transaction amounts, incremental loan balance and asset quality.Service resource allocation optimized Customer services reached new level

In 2009, CCB further advanced the development of a system to adopt the customer-focused philosophy.In its endeavour to fully understand and serve the concerns of its customers and improve the system to provide professional, differential and personalised customer services, CCB achieved further enhancements to its service efficiency and service quality.The Bank?s retail outlets basically completed the transformation from a transaction and accounting oriented function to a marketing and service oriented function, which resulted in a considerable increase in teller-client interaction time.Specifically, in retail outlets which had undergone the transformation, transaction efficiency rose by nearly 39%, while the average customer waiting time fell by 40.86%.A programme of second generation of retail outlet transformations to enhance service quality in wealth management centres is progressing steadily.Meanwhile, the Bank continues to build up self-service and electronic channels, which has resulted in an increase in the number of self-service banks to 8,128, while the number of ATMs has increased by 12.93% from the previous year-end, to 36,021—one of the leading figures in the world.CCB had 39.59 million personal online banking customers in 2009, an increase of 12.68 million over the previous year.The amount of personal online banking transaction reached RMB3.01 trillion, a growth of 118% over the previous year.Mobile phone banking developed in great strides: there were 14.28 million customers over the year, an increase of 9.35 million over the previous year.The ratio of transaction volumes through electronic banking compared to that through front desk was 74.89%.On the basis of customer and market segmentation, CCB newly established 928 specialised operating centres to cater to small enterprise loans, wealth management, investment banks and enterprise annuity, etc.As large corporate customers are increasingly served centrally, more resources are being released to provide services to small and medium enterprises.In order to reduce management layers and raise management efficiency, CCB is implementing the reform of organisational flattening in a steady manner.Of the 100 central city branches, the majority have switched from a three-level management structure to the current two or two-and-a-half level management structure.One-third have eliminated the setting up of integrative branches and more than half are now practising direct management of retail outlets.Moreover, a large number of professional teams have been formed to carry out duties in marketing, product development and back-office management, etc.There was marked improvement in CCB?s service quality.In the second half of 2009, the score from a periodic “mystery customer” survey that dealt with service quality in retail outlets was 93.5 points, an increase of 2.1 points from the same period during the previous year.Surveys carried out by an independent third party revealed that satisfaction from personal customers was 63.9%, an increase of 2.2 percentage points from the previous year and 3.5 percentage points higher than the industry average.The improvement in integrated customer service has brought about the development of business.In the year, CCB ranked first among Chinese major banks in terms of both the growth rate of savings deposits and the average amount of deposits taken by each retail outlet.2009 was also one in which CCB achieved breakthroughs in the development of its overseas network.The successive opening of a subsidiary bank in London and a branch in New York basically completed the Bank?s layout of overseas organizations in major international financial centres.The establishment of the Ho Chi Minh City branch was also granted approval from the local regulatory authority.With the acquisition of AIG Finance(Hong Kong)Limited by China Construction Bank(Asia), a wholly owned subsidiary of CCB, the Bank now owns a platform for credit card business in Hong Kong and Macau, thereby completing its business layout in these two special administrative regions.As of 31 December 2009, the total assets of CCB?s overseas organisations grew to RMB234.46 billion, up 92.82% from the year before.Implementation of precision management Enhancement of internal risk control capability

In 2009, in its continuous improvement of risk control and precision management capabilities, CCB focused on efficiency and orienting towards the market.It improved on the mechanism of parallel operations by advancing the intensified and professional management of pre-lending parallel operations and standardising the processes of post-lending parallel operations.It carried out deeper industry segmentation by further classifying a dozen or so sector categories into more than 90 industrial sectors, making the directions and objectives of its business operations clearer.For industry management, credit quota and a “l(fā)ist system” approach was adopted and 16 industrial sectors falling under the characteristic of “two highs and one over” were managed under the list system.Meanwhile, by including all its overseas branches into a centralised framework for risk management, CCB succeeded in further improving the risk management mechanism for these overseas branches.Capitalising on the implementation of the New Basel Capital Accord, CCB has planned and designed a complete application framework for risk management.With this, the Bank has been able to gradually build up a data base for risk management, advance the development and application of risk measurement tools and continue the optimisation of its corporate rating model and retail scorecard system.Consequently, CCB has been advancing sure-footedly in the development of its overall risk management system, thereby enhancing its core competencies in the process.The professional and precision level of risk management in CCB have also been significantly raised, and this has helped to better serve its needs in implementing a bank wide strategic transformation, business development and risk control.CCB had been closely monitoring changes in policies and market situations and has taken measures to counteract new incipient risks.When abnormal growth in lending to government financing platforms appeared in the market, CCB was able to introduce new measures in time to strengthen up management and control the loan growth of government financing platforms by stopping further lending to county-level government financing platforms and tightening up credit support to financing platforms of financially weak local governments.CCB had been unequivocal in not lending to developers who had bid up prime sites regardless of the cost and built up land reserves without developing.In addition, the Bank reinforced its risk control in derivative transactions and its risk exposure in this area had been reduced continuously.15 Strengthening employee democratic management Fulfilling all-round corporate social responsibility

In 2009, CCB made new strides towards democratic management and a harmonious corporation.All its employees were able to participate in corporate management through the Staff Representative Assembly system.Throughout the Bank, 1,760 staff representative committees were formed and 2,029 staff representative meetings were held by branches and sub-branches at various tiers to deliberate on rules and regulations related to the vital interests of employees and other matters of importance.Starting with the optimisation of business processes, separation of front-and back-office operations of counter businesses and the centralisation of back-office operations were completed.This was instrumental not only in raising overall service standards, but also in simplifying front desk operations and effectively alleviating the job intensity and pressure of the front-line staff.CCB regards its staff as the most precious resource and has provided them with an extensive platform for growth.By setting up a sound system of managerial, technical and operational position series, it opened up a large number of career development paths for its staff.In the year, 24,486 training sessions were held both domestically and overseas, involving the participation of 1.31 million person times.These figures were respectively 10.67% and 27.16% higher than those in the same period of the preceding year.Investment in staff training was increased continuously at a time when other expenses were being cut.The results of a recent survey indicated that the total employee satisfaction at CCB is at 94%.As it achieved steady improvements in operating results, CCB continued to undertake its corporate social responsibility.During the year, it implemented 13 social welfare related projects which involved a total investment of RMB72.74 million.Among this, RMB60 million was donated towards the setting up of a “CCB Ethnic Minority Undergraduate Scholarship(Grant)” for sponsoring needy ethnic minority students with outstanding moral character and academic records.The scholarship will run for five consecutive years in 16 provinces and autonomous regions such as Inner Mongolia, Xinjiang, Tibet, Guangxi and Ningxia, in which ethnic minorities are relatively concentrated.In 2009, CCB was named the “Best Bank with Corporate Social Responsibility” by Banker magazine in China and awarded the honour of being the “Most Responsible Enterprise in China?s 30 Years of Reform and Opening Up” by the Chinese Red Cross Foundation.Guo Shuqing, chairman of CCB, said, “In 2010, CCB will still face difficulties and challenges in its reform and development.We shall continue the implementation of the scientific viewpoint of development and intensify our support and service for economic structure adjustment as well as the development of small enterprises, the ?Three Rurals? and livelihood areas.In striving to create even better business results, we shall maintain our strategy of prudent operation, continue to strengthen risk management and further enhance the professional and precision competencies of our operations and management.”

Background Information:

The history of the China Construction Bank Corporation(“the Bank”)dates back to 1954 when the People?s Construction Bank of China was founded.This entity was renamed China Construction Bank in 1996.China Construction Bank Corporation was formed in September 2004 when it separated from its predecessor, China Construction Bank, and assumed its commercial banking business and related assets and liabilities.Headquartered in Beijing, CCB had a network of 13,384 branches and sub-branches in Mainland China, and maintained overseas branches in Hong Kong, Singapore, Frankfurt, Johannesburg, Tokyo, Seoul and New York as well as a representative office in Sydney as of 31 December 2009.The Bank has a number of subsidiaries, including China Construction Bank(Asia)Corporation Limited, CCB International(Holdings)Co., Ltd., CCB(London)Limited, CCB Principal Asset Management Co., Ltd., CCB Financial Leasing Corporation Ltd.and Jianxin Trust Co., Ltd.The Bank has a total of approximately 300,000 staff, and provides comprehensive financial services to its customers.The Bank was listed on the Stock Exchange of Hong Kong Limited(Stock Code: 939)in October 2005 and was listed on the Shanghai Stock Exchange(SSE Code: 601939)in September 2007.At of 31 December 2009, the market capitalisation of CCB reached approximately US$201.4 billion, ranking 2nd among listed banks in the world.

第三篇：中國建設(shè)銀行公布2008年年報(bào)

中國建設(shè)銀行公布2008經(jīng)營業(yè)績

迎接挑戰(zhàn)推進(jìn)科學(xué)發(fā)展

再創(chuàng)佳績實(shí)現(xiàn)新的跨越

中國建設(shè)銀行股份有限公司（以下簡稱建行）發(fā)布的2008經(jīng)營業(yè)績顯示，2008年，建行實(shí)行積極穩(wěn)健的經(jīng)營方針，業(yè)務(wù)轉(zhuǎn)型、結(jié)構(gòu)調(diào)整和綜合化經(jīng)營取得明顯進(jìn)展，客戶服務(wù)和風(fēng)險(xiǎn)管理能力持續(xù)提升，圓滿完成了全年經(jīng)營管理任務(wù)。

——良好的經(jīng)營業(yè)績得到鞏固。2008年，實(shí)現(xiàn)稅前利潤1,197.4億元（以下數(shù)據(jù)除特別注明外均按國際財(cái)務(wù)報(bào)告準(zhǔn)則計(jì)算，為本集團(tuán)數(shù)據(jù)，幣種為人民幣），較上年增長18.8%；實(shí)現(xiàn)凈利潤926.4億元，增長34.0%；經(jīng)營收入較上年增長22.2%至2,697.5億元；資產(chǎn)總額歷史性地突破1萬億美元，達(dá)75,554.5億元，較上年末增長14.5%，其中客戶貸款和墊款總額為37,939.4億元，較上年末增長16.0%；負(fù)債總額為70,878.9億元，較上年末增長14.8%，其中客戶存款增長19.6%至63,759.2億元，流動(dòng)性依然充裕。

——信貸資產(chǎn)質(zhì)量持續(xù)改善。截至2008年12月31日，不良貸款率為2.2%，較上年末下降0.4個(gè)百分點(diǎn)。減值準(zhǔn)備對不良貸款比率提升至131.6%，較上年末增加27.2個(gè)百分點(diǎn)。

——綜合盈利能力顯著增強(qiáng)。截至2008年12月31日，凈利息收益率較上年上升6個(gè)基點(diǎn)至3.2%；平均資產(chǎn)回報(bào)率、平均股東權(quán)益回報(bào)率分別達(dá)到1.3%和20.7%，較上年增長0.16和1.18個(gè)百分 1 點(diǎn)，居全球銀行業(yè)最好水平。手續(xù)費(fèi)及傭金凈收入較上年增長22.8%至384.5億元，占經(jīng)營收入比重上升至14.3%，較上年提高0.06個(gè)百分點(diǎn)。成本費(fèi)用開支繼續(xù)得到有效控制，2008年成本對收入比率下降至36.8%。

——資本充足水平保持穩(wěn)定。截至2008年12月31日，資本充足率為12.2%，核心資本充足率為10.2%，均保持在管理目標(biāo)之內(nèi)。

——社會(huì)價(jià)值和形象進(jìn)一步提升。在美國《財(cái)富》雜志“2008全球企業(yè)500強(qiáng)”排名中，建行由上年的第230位上升至第171位，在國內(nèi)同業(yè)中升幅最大，并獲得境內(nèi)外多家機(jī)構(gòu)評選的“最佳中資銀行”、“最佳商業(yè)銀行”、“改革開放三十年最具責(zé)任感企業(yè)”等獎(jiǎng)項(xiàng)。公司治理不斷健全和完善，努力實(shí)現(xiàn)制衡與效率相統(tǒng)一，獲香港上市公司商會(huì)頒發(fā)的“公司管治卓越獎(jiǎng)”。

董事長郭樹清表示：“2008年，建行以改革創(chuàng)新精神進(jìn)一步推動(dòng)科學(xué)發(fā)展實(shí)踐，經(jīng)受住了國內(nèi)外經(jīng)濟(jì)形勢急劇變化的考驗(yàn)，客戶服務(wù)水平和風(fēng)險(xiǎn)管理能力持續(xù)提升，取得了令市場和投資者滿意的成績。我們相信，經(jīng)過近些年的改革開放洗禮，建行能夠在應(yīng)對嚴(yán)峻挑戰(zhàn)的過程中，進(jìn)一步錘煉自身的核心競爭力和價(jià)值創(chuàng)造力，并為中國經(jīng)濟(jì)健康發(fā)展做出更大貢獻(xiàn)?！?/p>

一、服務(wù)大局優(yōu)化信貸結(jié)構(gòu)，市場競爭力穩(wěn)步增強(qiáng)

2008年，建行積極適應(yīng)市場形勢，將貫徹國家宏觀調(diào)控政策與調(diào)整信貸結(jié)構(gòu)結(jié)合起來，加大信貸資源向小企業(yè)、機(jī)構(gòu)業(yè)務(wù)、涉農(nóng)領(lǐng) 域等戰(zhàn)略重點(diǎn)業(yè)務(wù)的傾斜力度。

在基礎(chǔ)設(shè)施等傳統(tǒng)優(yōu)勢行業(yè)，建行的貸款投入持續(xù)上升。截至2008年12月31日，基礎(chǔ)設(shè)施行業(yè)貸款余額較上年末增長19.5%，新增1,941.1億元，新增額在公司類貸款新增額中的占比達(dá)56.3%，貸款余額達(dá)公司類貸款余額的44.2%。

小企業(yè)業(yè)務(wù)專業(yè)化經(jīng)營在建行取得新成果。截至2008年12月31日，成立了78家按照“信貸工廠”模式操作的小企業(yè)經(jīng)營中心。小企業(yè)貸款業(yè)務(wù)繼續(xù)保持快速增長勢頭，貸款增速明顯高于全行貸款平均增速。

建行涉農(nóng)貸款規(guī)模持續(xù)擴(kuò)大。截至2008年12月31日，涉農(nóng)貸款余額總計(jì)4,406.7億元，較上年末增加1,052.3億元，增幅31.4%。2008年12月，建行發(fā)起設(shè)立了湖南桃江建信村鎮(zhèn)銀行。

建行還全力為救災(zāi)和災(zāi)后重建提供金融支持。對川、甘等地震災(zāi)區(qū)信貸實(shí)施非限制性行業(yè)準(zhǔn)入和審批標(biāo)準(zhǔn)，截至2008年12月31日，累計(jì)發(fā)放貸款276.6億元。

同時(shí)，建行加快退出不符合國家政策和自身風(fēng)險(xiǎn)偏好的行業(yè)及項(xiàng)目，全年實(shí)際退出貸款達(dá)644.6億元。信貸結(jié)構(gòu)和客戶結(jié)構(gòu)得到優(yōu)化。內(nèi)部評級A級及以上客戶貸款余額占比達(dá)到89.3%，較上年提高0.7個(gè)百分點(diǎn)。

作為國內(nèi)最大個(gè)人住房貸款銀行，建行高度關(guān)注民生改善。截至2008年12月31日，個(gè)人住房貸款余額增長14.3%至6,031.5億元，貸款余額和新增均居同業(yè)第一。同期，住房公積金貸款余額為2,889.7 億元，較上年末增加467.2億元，國內(nèi)市場占比第一。

二、客戶服務(wù)水平邁上新臺(tái)階，基本建成國內(nèi)一流零售銀行 2008年，建行繼續(xù)推進(jìn)零售網(wǎng)點(diǎn)轉(zhuǎn)型項(xiàng)目。截至2008年12月31日，全行已有11,610個(gè)零售網(wǎng)點(diǎn)實(shí)現(xiàn)功能轉(zhuǎn)型，占全部網(wǎng)點(diǎn)總數(shù)的87%；轉(zhuǎn)型后網(wǎng)點(diǎn)交易效率得到提高，客戶等候時(shí)間縮短35%。建行已在北京、上海、廣東成立私人銀行中心，建成開業(yè)的理財(cái)中心2,068家、財(cái)富管理中心106家。

建行大力加強(qiáng)電子交易渠道建設(shè)。截至2008年12月31日，全行已安裝運(yùn)行自動(dòng)柜員機(jī)（ATM）31,896臺(tái)，居全球銀行業(yè)首位。自助設(shè)備完成的交易額相當(dāng)于柜面的103%，比上年提高61個(gè)百分點(diǎn)。電子銀行客戶達(dá)到11,182萬戶,較上年增長58.2％；交易額達(dá)到110.4萬億元,電子渠道與柜面交易量之比達(dá)45.0%。

建行注重客戶感受和體驗(yàn)，在北京、上海、廈門、廣州建成客戶體驗(yàn)中心并積極建設(shè)問題解決中心，同時(shí)通過完善神秘人檢查制度，從客戶角度持續(xù)改進(jìn)服務(wù)質(zhì)量。建行堅(jiān)持客戶接待日制度，包括總行行長在內(nèi)的各級行主管行長全年共接待各類客戶2.8萬余名，處理客戶問題1.3萬項(xiàng)。此外，建行還重視發(fā)揮95533電話銀行作用，電話銀行逐步成為營銷和客戶問題處理中心。

三、綜合化經(jīng)營扎實(shí)推進(jìn)，海外業(yè)務(wù)亮點(diǎn)頻現(xiàn)

建行綜合化經(jīng)營取得實(shí)質(zhì)性進(jìn)展。手續(xù)費(fèi)及傭金收入增幅連續(xù)三 年居同業(yè)前列。2008年，建行為公司客戶的投融資活動(dòng)籌措資金2,471億元，銀團(tuán)貸款和國內(nèi)保理收入增長6倍以上。全年銷售個(gè)人理財(cái)產(chǎn)品3,838億元，是上年的5.2倍。作為國內(nèi)唯一具備造價(jià)咨詢資質(zhì)的商業(yè)銀行，審價(jià)咨詢類業(yè)務(wù)經(jīng)營收入同比增長149.5%。

2008年，建行海外布局取得新成果。紐約分行和倫敦子銀行的設(shè)立申請獲得當(dāng)?shù)乇O(jiān)管機(jī)構(gòu)批準(zhǔn)。越南胡志明市分行和澳大利亞悉尼代表處升為分行的各項(xiàng)申設(shè)及籌備工作也順利推進(jìn)。同期，建行海外業(yè)務(wù)有了長足發(fā)展。截至2008年12月31日，海外經(jīng)營性機(jī)構(gòu)資產(chǎn)總額增加至1,215.9億元。其中，建行在香港的兩家經(jīng)營性全資子公司——建行亞洲、建銀國際進(jìn)一步擴(kuò)充資本，建銀國際取得了成立以來的最好業(yè)績。

四、大力加強(qiáng)風(fēng)險(xiǎn)內(nèi)控，資產(chǎn)質(zhì)量持續(xù)改善

建行致力于完善風(fēng)險(xiǎn)內(nèi)控體制，“了解客戶、理解市場、全員參與、抓住重點(diǎn)”的風(fēng)險(xiǎn)理念得到落實(shí)，以垂直管理和平行作業(yè)為核心的風(fēng)險(xiǎn)管理架構(gòu)運(yùn)行順暢。流動(dòng)性管理經(jīng)受住了冰凍雪災(zāi)、汶川地震、貨幣政策取向調(diào)整等考驗(yàn)，備付水平控制合理。加大了減值準(zhǔn)備計(jì)提力度，足額計(jì)提減值準(zhǔn)備，進(jìn)一步增強(qiáng)了風(fēng)險(xiǎn)抵御能力。以推進(jìn)實(shí)施新資本協(xié)議為契機(jī)，全面優(yōu)化了客戶評級體系和評分卡系統(tǒng)，風(fēng)險(xiǎn)管理的精細(xì)化水平大幅提升。此外，建行成功實(shí)施了“建元2008-1”重整資產(chǎn)證券化項(xiàng)目，是國內(nèi)同業(yè)在不良資產(chǎn)證券化領(lǐng)域的首次探索和實(shí)踐。建行主動(dòng)減持風(fēng)險(xiǎn)較大的外匯債券。截至2008年12月31日，建行所持外幣債券投資組合賬面價(jià)值較上年末減少223.1億美元；外幣債券占債券投資的4.96%,占資產(chǎn)總額的1.4%。同期，建行外匯凈敞口為157.6億元，僅占資產(chǎn)總額的0.2%。

五、深入開展戰(zhàn)略合作，形成多方共贏格局

建行與美國銀行全年實(shí)施戰(zhàn)略協(xié)助項(xiàng)目16個(gè)，設(shè)立經(jīng)驗(yàn)分享和培訓(xùn)項(xiàng)目42個(gè)。除雙方在零售業(yè)務(wù)領(lǐng)域推進(jìn)網(wǎng)點(diǎn)轉(zhuǎn)型項(xiàng)目外，還在小企業(yè)業(yè)務(wù)領(lǐng)域合作研發(fā)了小額無抵押循環(huán)信用額度貸款產(chǎn)品，在電子銀行業(yè)務(wù)領(lǐng)域?qū)⒑艚兄行娜斯し?wù)平均接通率提高到90%以上，在風(fēng)險(xiǎn)管控領(lǐng)域共同研發(fā)的住房貸款申請?jiān)u分卡、信用卡申請?jiān)u分卡、信用卡行為評分卡已在全行推廣上線。建行在新加坡淡馬錫所屬的富登金融協(xié)助下推廣小企業(yè)“信貸工廠”新模式，使小企業(yè)客戶享受到“一站式”服務(wù)；淡馬錫還在財(cái)富管理、私人銀行、投資銀行、風(fēng)險(xiǎn)管理等領(lǐng)域?yàn)榻ㄐ刑峁┳稍兣c培訓(xùn)。建行與戰(zhàn)略投資者已建立了多方共贏的發(fā)展格局。

美國銀行于2008年兩次增持建行股份，對中國銀行業(yè)和建行的發(fā)展前景充滿信心。

六、履行企業(yè)公民責(zé)任，促進(jìn)社會(huì)和諧發(fā)展

汶川地震發(fā)生后，建行推出無卡折取款等十余項(xiàng)特殊服務(wù)措施，發(fā)放抗震救災(zāi)和災(zāi)后重建貸款，全行累計(jì)為地震災(zāi)區(qū)捐款達(dá)1.79億 元。建行向南方雨雪冰凍災(zāi)區(qū)捐款1,200萬元。

建行將2008年定為“奧運(yùn)服務(wù)年”，提供多項(xiàng)涉外金融服務(wù)。同時(shí)，建行嚴(yán)格執(zhí)行環(huán)?！耙黄狈駴Q制”，并對利于環(huán)境保護(hù)的項(xiàng)目給予貸款支持，截至2008年12月31日，綠色信貸項(xiàng)目余額達(dá)1,541.4億元，比年初新增289.3億元，增長23.1%。

在支持社會(huì)公益事業(yè)方面，全年公益捐贈(zèng)項(xiàng)目投入及員工個(gè)人捐款總額約2.11億元。

行長張建國表示：“2009年的國際國內(nèi)經(jīng)濟(jì)金融運(yùn)行仍存在許多不確定因素，建行所面臨的挑戰(zhàn)十分嚴(yán)峻。建行將繼續(xù)貫徹落實(shí)科學(xué)發(fā)展觀，認(rèn)真執(zhí)行國家‘保增長、擴(kuò)內(nèi)需、調(diào)結(jié)構(gòu)’的宏觀經(jīng)濟(jì)政策，加大金融支持和服務(wù)經(jīng)濟(jì)社會(huì)發(fā)展的力度，加強(qiáng)風(fēng)險(xiǎn)內(nèi)控，提升服務(wù)水平，沉著應(yīng)對危機(jī)與挑戰(zhàn)，努力實(shí)現(xiàn)各項(xiàng)業(yè)務(wù)快速、有效、優(yōu)質(zhì)、安全發(fā)展?！?/p>

公司簡介：

中國建設(shè)銀行股份有限公司（以下簡稱建行）在中國擁有長期的經(jīng)營歷史。其前身中國人民建設(shè)銀行于1954年成立，1996年更名為中國建設(shè)銀行。中國建設(shè)銀行股份有限公司由原中國建設(shè)銀行于2004年9月分立而成立，繼承了原中國建設(shè)銀行的商業(yè)銀行業(yè)務(wù)及相關(guān)的資產(chǎn)和負(fù)債。建行總部設(shè)在北京。截至2008年12月31日，建行在中國內(nèi)地設(shè)有分支機(jī)構(gòu)13,374家，在香港、新加坡、法蘭克福、約翰內(nèi)斯堡、東京及首爾設(shè)有分行，在紐約、倫敦、悉尼設(shè)有代表處；全資擁有中國建設(shè)銀行（亞洲）股份有限公司、建銀國際（控股）有限公司，控股中德住房儲(chǔ)蓄銀行有限責(zé)任公司、建信基金管理有限責(zé)任公司及建信金融租賃股份有限公司，現(xiàn)有員工約30萬人。

建行H股于2005年10月27日在香港聯(lián)合交易所上市交易，股票代號(hào)為0939；A股于2007年9月25日在上海證券交易所上市交易，股票代號(hào)為601939。

主要業(yè)務(wù)范圍

? 公司銀行業(yè)務(wù)：向公司客戶、政府機(jī)構(gòu)客戶和金融機(jī)構(gòu)客戶提供包括公司類貸款、貿(mào)易融資、存款、代理服務(wù)，以及顧問與咨詢、現(xiàn)金管理、匯款及結(jié)算、托管及擔(dān)保服務(wù)等多種金融產(chǎn)品和服務(wù)； ? 個(gè)人銀行業(yè)務(wù)：向個(gè)人客戶提供包括個(gè)人貸款、存款、銀行卡、個(gè)人理財(cái)，以及匯款和證券代理服務(wù)等金融產(chǎn)品和服務(wù)；

? 金融市場業(yè)務(wù)：貨幣市場業(yè)務(wù)，包括銀行間同業(yè)拆借交易及回購交易；投資組合，包括持有證券以作買賣及投資用途；進(jìn)行自營式的代客交易，包括外匯及衍生工具交易。

第四篇：中國建設(shè)銀行2008年一季度業(yè)績優(yōu)良

中國建設(shè)銀行2008年一季度業(yè)績優(yōu)良

2008年4月25日，中國建設(shè)銀行股份有限公司對外發(fā)布了2008年一季度業(yè)績。業(yè)績公告顯示，2008年一季度，建行認(rèn)真貫徹落實(shí)科學(xué)發(fā)展觀，嚴(yán)格執(zhí)行國家宏觀調(diào)控政策，繼續(xù)推進(jìn)業(yè)務(wù)結(jié)構(gòu)調(diào)整，強(qiáng)化風(fēng)險(xiǎn)管理和優(yōu)化客戶服務(wù)，戰(zhàn)略轉(zhuǎn)型的成效進(jìn)一步顯現(xiàn)，各項(xiàng)業(yè)務(wù)保持穩(wěn)健快速發(fā)展態(tài)勢，經(jīng)營業(yè)績優(yōu)良。

綜合盈利能力持續(xù)增強(qiáng)，收入結(jié)構(gòu)不斷改善。2008年一季度全行實(shí)現(xiàn)營業(yè)收入649.10億元（文中數(shù)據(jù)均按中國會(huì)計(jì)準(zhǔn)則計(jì)算，幣種為人民幣）；利潤總額達(dá)417.96億元，凈利潤321.29億元。凈利息收入和手續(xù)費(fèi)及傭金收入快速增長，實(shí)現(xiàn)利息凈收入544.36億元，手續(xù)費(fèi)及傭金凈收入107.24億元。受貸款收益率等因素上升影響，存貸凈利差繼續(xù)擴(kuò)大，一季度凈利差達(dá)3.12%，凈利息收益率為3.26%。

資產(chǎn)負(fù)債規(guī)模穩(wěn)健增長，存貸款業(yè)務(wù)結(jié)構(gòu)進(jìn)一步優(yōu)化。截至2008年3月31日，建行總資產(chǎn)達(dá)68,750.30億元，比上年末增加2,768.53億元，增長4.20%；總負(fù)債64,266.61億元，比上年末增加2,507.65億元，增長4.06%。一季度，建行以貫徹落實(shí)國家宏觀調(diào)控政策為契機(jī)，進(jìn)一步加快優(yōu)化信貸結(jié)構(gòu)，優(yōu)先滿足重點(diǎn)優(yōu)質(zhì)客戶及年初南方冰雪受災(zāi)地區(qū)基礎(chǔ)項(xiàng)目重建的信貸資金需求。截至2008年3月31日，客戶貸款及墊款凈額為33,446.60億元，較上年末增加1,614.31億元，增長5.07%。存款總量增長平穩(wěn)，儲(chǔ)蓄存款增長較快。年初以來，全行緊緊抓住春節(jié)營銷旺季，以開展“奧運(yùn)服務(wù)年”活動(dòng)、提升服務(wù)質(zhì)量為契機(jī)，加大對北京、上海、廣州等地區(qū)的銀行自助設(shè)備、財(cái)富管理中心投入，豐富電子銀行的代理業(yè)務(wù)功能，開展理財(cái)營銷活動(dòng)等，為客戶提供優(yōu)質(zhì)金融服務(wù)，大力組織吸收存款。到一季度末，全行客戶存款達(dá)56,386.18億元，較上年末增加2,983.02億元，增長5.59%。

中間業(yè)務(wù)發(fā)展迅猛，保持快速增長態(tài)勢。一季度中間業(yè)務(wù)收入占營業(yè)收入之比顯著提高，截至2008年3月31日，手續(xù)費(fèi)及傭金凈收入在營業(yè)收入中占比達(dá)16.5%。收入在2億元以上的產(chǎn)品達(dá)到了16個(gè)，其中銀行卡及收單、財(cái)務(wù)顧問、代銷基金、承諾業(yè)務(wù)、代銷保險(xiǎn)、結(jié)售匯和代客衍生金融工具等7個(gè)產(chǎn)品收入超過6億元。投資銀行業(yè)務(wù)實(shí)現(xiàn)收入較上年同期增長約2倍。承銷短期融資券10期，業(yè)務(wù)增速明顯。設(shè)計(jì)發(fā)行“利得盈”、“建行財(cái)富”、“乾圖理財(cái)”等各類理財(cái)產(chǎn)品250多期，募集資金是上年同期的16倍。金融市場業(yè)務(wù)快速良性發(fā)展，產(chǎn)品創(chuàng)新能力與營銷力度不斷加強(qiáng)；本外幣代客交易業(yè)務(wù)快速發(fā)展，其中代客結(jié)售匯、外匯買賣業(yè)務(wù)、代客外匯衍生產(chǎn)品交易的交易量和經(jīng)營收入大幅增長。

資產(chǎn)質(zhì)量繼續(xù)提升，相關(guān)指標(biāo)持續(xù)向好。一季度全行不良貸款余額和不良貸款率繼續(xù)雙雙下降，不良貸款余額較上年末減少91.34億元；不良貸款率2.22%，較上年末下降0.38個(gè)百分點(diǎn)。其中，主要對公信貸投放行業(yè)貸款質(zhì)量普遍向好，不良貸款額和不良貸款率下降明顯。撥備覆蓋率為107.79%，較上年末提高3.38個(gè)百分點(diǎn)。資本充足率和核心資本充足率分別為12.38%和10.26%，仍維持較高水平。

全力支持抗災(zāi)救災(zāi)，積極履行企業(yè)社會(huì)責(zé)任。2008年初，我國南方大部分地區(qū)出現(xiàn)了罕見的冰雪災(zāi)害天氣。建行及時(shí)主動(dòng)做出響應(yīng)，先后向受災(zāi)嚴(yán)重的湖南、湖北、安徽、貴州等10個(gè)省份捐款1200萬元，幫助災(zāi)區(qū)群眾搶險(xiǎn)救災(zāi)；建行廣大員工也自發(fā)向?yàn)?zāi)區(qū)捐款捐物，其中僅北京分行員工就通過中國紅十字會(huì)捐款65萬元；及時(shí)啟動(dòng)了信貸“綠色通道”，加快額度授信、貸款審批和發(fā)放速度，在依法合規(guī)的前提下，先后發(fā)放了217.26億元專項(xiàng)貸款用于抗災(zāi)和災(zāi)后重建工作。同時(shí)，周密部署做好金融服務(wù)及運(yùn)營安全工作，合理調(diào)整網(wǎng)點(diǎn)營業(yè)時(shí)間和員工力量，確保全力為災(zāi)區(qū)企業(yè)和群眾提供及時(shí)、優(yōu)質(zhì)的金融服務(wù)，受到了社會(huì)各界好評。

建設(shè)銀行將繼續(xù)認(rèn)真貫徹落實(shí)國家宏觀經(jīng)濟(jì)政策，進(jìn)一步深化體制機(jī)制改革，持續(xù)推進(jìn)戰(zhàn)略轉(zhuǎn)型和結(jié)構(gòu)調(diào)整，強(qiáng)化風(fēng)險(xiǎn)管理、客戶服務(wù)和業(yè)務(wù)創(chuàng)新，在一季度優(yōu)良業(yè)績的基礎(chǔ)上，努力完成2008年確定的全年經(jīng)營目標(biāo)。

第五篇：Creaform公布2013年上半年財(cái)務(wù)業(yè)績

龍?jiān)雌诳W(wǎng) http://.cn

Creaform公布2013年上半年財(cái)務(wù)業(yè)績 作者：

來源：《CAD/CAM與制造業(yè)信息化》2013年第08期

2013年7月24日，Creaform公司發(fā)布了2013年上半年財(cái)務(wù)業(yè)績報(bào)告，報(bào)告稱公司2013年上半年銷售額與2012年相比增長了41%。“我們對公司在2013年上半年的銷售業(yè)績十分滿意，如果下半年我們還能保持這樣的增長速度，那么超額完成2013年的銷售目標(biāo)就不成問題。我們投入了大量的資源，開發(fā)了廣泛的便攜式精確測量技術(shù)產(chǎn)品，方便QC（質(zhì)量控制）檢查員在生產(chǎn)車間進(jìn)行檢測?，F(xiàn)在，我們所有的辛勤付出都取得了豐厚的回報(bào)?！盋reform公司CEO Martin Lamontagne這樣說。據(jù)悉，MetraSCAN 3D掃描儀和HandyPROBE光筆便攜式三坐標(biāo)都具有TRU accuracy特性，確保操作人員在生產(chǎn)車間實(shí)現(xiàn)高精確測量，同時(shí)可避免人為誤差。到目前為止，兩款產(chǎn)品在2013年的銷售額與2012年同期相比增長了58%。