On April 29, 2025, China Construction Bank Corporation, known as CCB, released its operating results for the first quarter of 2025. The data were compiled according to the International Financial Reporting Standards and denominated in Chinese Yuan (RMB).
CCB reported total assets of RMB42.79 trillion as of March 31, 2025, representing an increase of RMB2.22 trillion or 5.48% since the end of the previous year. The bank's total liabilities stood at RMB39.38 trillion, up by RMB2.16 trillion or 5.79%. Deposits amounted to RMB30.43 trillion, an increase of RMB1.72 trillion or 5.99%.
The bank achieved a net profit of RMB83.742 billion. CCB's net interest margin reached 1.41%, with an annualized return on average assets of 0.80% and a weighted average ROE of 10.42%. Additionally, the capital adequacy ratio was 19.15%, with a Tier 1 capital adequacy ratio of 14.67% and a core Tier 1 ratio of 13.98%. The NPL ratio was slightly lower at 1.33%, with the provision coverage rate increasing to 236.81%.
CCB's total loans and advances amounted to RMB27.02 trillion, increasing by RMB1.18 trillion or 4.55%. Financial investments rose by RMB0.62 trillion or 5.83% to reach RMB11.31 trillion. The bank focused on supporting key sectors and increasing cooperation between regions, emphasizing developments in the Guangdong-Hong Kong-Macao Greater Bay Area and other regions. The balance of loans to the manufacturing industry increased by 10.31%, reaching RMB1.79 trillion.
In technology finance, CCB's loan balance over technology-related industries was over RMB4 trillion. Loans to strategic emerging industries increased by 17.14% to RMB3.34 trillion. The bank's green loans reached a balance of RMB5.64 trillion, growing by 13.18%. Loans to inclusive small and mini-sized enterprises amounted to RMB3.63 trillion.
CCB maintained a strong focus on digital and intelligent transformation, increasing its digital economy loan balance to RMB835.093 billion, up by 11.14%. In mobile banking, CCB Life had 527 million users.
The bank continued enhancing its risk management capabilities, focusing on real estate and governmental debt, improving bad debt disposal efficiency, and maintaining asset quality.
China's economy is demonstrating a positive trend, with steady improvements despite challenges from external shocks. CCB will align with the CPC Central Committee's economic strategies to enhance development and foster high-quality growth.