China News Service, Hong Kong, April 3 (Reporter Wei Huadu) Recently, many banks have announced their 2023 annual reports. In the complex external environment, the performance of major state-owned banks is remarkable.

　　Among them, China Construction Bank’s total assets increased by 10.76%, and shareholder dividends exceeded 100 billion yuan for the first time. While CCB handed over a report card of “growth against the trend”, it also shared dividends “generously”.

Steady growth in performance

　　As an important pillar of the financial system, the performance of major state-owned banks has always been the focus of the market.

　　Judging from the overall situation shown in the annual report, in the past year, the operating income of many major state-owned banks was generally stable, and net profits all maintained positive year-on-year growth.

　　Taking China Construction Bank as an example, its net profit attributable to the parent company last year reached 332.653 billion yuan, a year-on-year increase of 2.44%. It continues to remain above the 300 billion yuan mark and maintains its leading position.

　　The interest rate difference between deposits and loans has always been the main source of income for banks. In 2023, the banking industry will continue to benefit the real economy through various methods such as lowering new loan interest rates, adjusting existing mortgage interest rates, and loan repricing, and the interest spread space has narrowed.

　　In fact, the net interest margins of the four major banks last year continued the downward trend in recent years.

　　On the other hand, major banks are actively expanding their intermediary businesses beyond “eating interest margins” and ensuring the stability of their revenue by increasing non-interest income.

　　China Construction Bank's non-interest income will increase by 8.86% year-on-year in 2023, to approximately 152.5 billion yuan. Non-interest income accounted for 19.81% of operating income.

　　In terms of asset quality, at the end of 2023, China Construction Bank's non-performing loan ratio was 1.37%, a decrease of 0.01 percentage point from the previous year. This shows that the main "physical examination indicators" of CCB's asset quality are within a healthy range.

Dividends exceed 100 billion for the first time

　　Another eye-catching figure is that China Construction Bank plans to distribute a cash dividend of RMB 100.004 billion to all ordinary shareholders (shareholders who are listed on the shareholder list after the market closes on July 11, 2024).

　　This is the first time that CCB’s dividend has exceeded 100 billion yuan.

Zhang Jinliang, Chairman of China Construction Bank

　　Zhang Jinliang, chairman of China Construction Bank, pointed out at the 2023 annual performance conference that since 2005, China Construction Bank has paid out cumulative dividends of more than 1.1 trillion, and the dividend ratio has been 30%.

　　"The 30% dividend ratio should not change in the future." Sheng Liurong, chief financial officer of China Construction Bank, said that taking into account multiple factors such as shareholders' wishes, capital replenishment, regulatory requirements and long-term sustainable development, we Strive to promote mid-term dividends in an active and orderly manner in compliance with laws and regulations.

　　Looking forward to 2024, China Construction Bank proposed in its annual report that it will give full play to its professional advantages in the field of housing and infrastructure and accelerate the promotion of a financial service system that supports the construction of affordable housing, the construction of "both leisure and emergency" public infrastructure, and the transformation of urban villages. construction.

　　Li Yun, vice president of China Construction Bank, said that in terms of demand for personal housing loans, from the perspective of China Construction Bank, the number of housing mortgage loans, especially second-hand housing mortgage loans, has picked up month-on-month since March. Li Yun also said that China Construction Bank will continue to monitor and optimize services to better meet residents' rigid and improved housing needs.

“Finance is a marathon”

　　The development of the banking industry is related to people's livelihood, and ultimately it must give back to people's livelihood. In the process of economic recovery and improvement, the banking industry is not only a beneficiary of development, but also uses its own energy to empower development and inject financial vitality.

China Construction Bank held its 2023 results conference in Beijing and Hong Kong on April 2

　　Taking the annual report released by China Construction Bank as an example, in 2023, the balance of inclusive finance loans of China Construction Bank was 3.04 trillion yuan, an increase of 691.230 billion yuan or 29.40% over the previous year. There were 3.17 million inclusive finance loan customers, an increase of 647,400 over the previous year. China Construction Bank continued to increase its efforts to provide benefits to the real economy. The interest rate for newly issued inclusive small and micro enterprise loans that year was 3.75%, a decrease of 0.25 percentage points from the previous year.

　　“Wherever there are key construction projects, there is China Construction Bank.” Zhang Jinliang pointed out that China Construction Bank has actively promoted strategic transformation in recent years. We have made forward-looking explorations in technology, inclusive benefits, and elderly care, and have certain first-mover advantages.

　　Zhang Jinliang said at the 2023 annual performance conference that finance is a marathon. To be able to withstand the test of a long cycle, we must deepen our understanding of the essential laws of financial work, abandon the traditional thinking of judging heroes based on scale and speed, and more It is necessary to coordinate the total volume and structure, scale and efficiency, short-term and long-term, local and global, development and security, and prevent the business objectives from being single, one-sided and short-term.

　　He also made it clear that China Construction Bank will adhere to its main responsibilities and main business, anchor, improve and strengthen, deeply integrate into the overall development of the country, and serve as the main force serving the real economy and the ballast stone for financial stability. Keep up with the construction of a modern industrial system, seize the opportunities of the upgrading of traditional industries and the growth of emerging industries, grasp the new direction of future industry cultivation, actively embrace new productive forces, comprehensively improve the level of comprehensive financial services, promote strategic transformation, and strive to do a good job in the "five articles" "Big Article" will transform CCB's first-mover advantages in the fields of technology, inclusive benefits, and elderly care into leading advantages, and build new competitive advantages for CCB in the digital economy era.