中国建设银行股份有限公司（股票代码SH601939；HK939）今天正式公布.docVIP

CCB Net Profit Grows 14.57% to RMB106.494 billion in 1H 2012 China Construction Bank Corporation (“CCB” or “the Bank”; Shanghai stock code: 601939, Hong Kong stock code: 939) today announced its operating performance for the first half of 2012. In the first half of 2012, CCB realised a net profit of RMB106.494 billion, an increase of 14.57% (unless otherwise stated, the data herein are calculated in accordance with International Financial Reporting Standards on a consolidated basis in RMB) from the same period last year. In its interim report, CCB explained that there were four main drivers for the steady growth in net profit. There was a moderate growth in interest-bearing assets and net interest margin moved up 5 basis points from last year to 2.71%, so net interest income grew 16.46% or RMB23.986 billion year-on-year; Due to further strengthening in cost management and tightening in expense controls, cost-to-income ratio reached 32.73%, which was maintained at a relatively low level; By bolstering risk management, impairment losses registered a slight increase of 5.84%; Due to changes in interest rate movements, an exchange gain of RMB2.488 billion or an increase of RMB1.814 billion year-on-year was realised. Financial performance grows steadily CCB’s 2012 Interim Report revealed that all its key financial indicators maintained steady growth in the first half of 2012. As of the end of June 2012, the Bank’s total assets were up 9.97% from the end of last year to RMB13.51 trillion. Total loans and advances to customers were RMB7.06 trillion, growing 8.70% from last year; deposits from customers grew 9.55% from last year end to RMB10.94 trillion. The Bank’s loan-to-deposit ratio was maintained at 64.54%. The Bank’s capital adequacy ratio and core capital adequacy ratio were 13.82% and 11.19%, up by 0.14 and 0.22 percentage points from last year end. Its annualised return on average assets and annualised return on average equity were maintained respectively