China Construction Bank (CCB) reported its operating results for the first half of 2025, highlighting stable growth in key financial indicators and a continued focus on quality and efficiency. The bank's operating income reached RMB 385.905 billion, representing a year-on-year increase of 2.95%. Net service charge and commission income rose by 4.02% to RMB 65.218 billion, while pre-provision operating profit grew by 3.37% to RMB 290.103 billion.
The provision coverage ratio increased to 239.40%, up by 5.8 percentage points from the end of last year, further strengthening CCB’s risk compensation ability. Net profit stood at RMB 162.638 billion for the period. Other core metrics included a net interest yield of 1.40%, an annualized average return on assets of 0.77%, and an annualized weighted average return on equity (ROE) of 10.08%. The capital adequacy ratio was reported at 19.51%.
Dividend payments have remained consistent since CCB’s listing, with cumulative dividends exceeding RMB 1.3 trillion and over one hundred billion distributed in both 2023 and 2024; two dividends are planned for distribution in 2025, maintaining an interim dividend ratio at 30%.
Total assets reached RMB 44.43 trillion as of June, marking a rise of 9.52% from the previous year-end figure; total loans accounted for RMB 27.44 trillion (up by 6.20%), while financial investments totaled RMB11.77 trillion (up by10.17%). Deposits increased by6 .11% to reachRMB30 .47trillion.
CCB’s cost-income ratio improved slightly to23 .72%, down0 .43percentage points year-on-year.The non-performing loan ratio decreased marginally to1 .33%.Special-mentioned loans also dropped,to1 .81%.The core Tier1capital adequacy ratiowas14 .34%.According to “The Banker” magazine ,CCB has ranked second globally among banks by Tier1capital for12consecutive years.
The bank expanded lending in high-tech sectors through technology financing initiatives ,with hi-tech sector loans rising16 .81%toRMB5 .15trillion.CCB also supported green finance with green loans totalingRMB5 .72trillion(up14 .88%)and underwrote77green bond issues domestically and internationally.Its MSCI ESG rating is AAA .
Inclusive finance efforts led to an increase in micro- and small-enterprise loan clients as well as loan balances.Inclusive finance loans reachedRMB3 .74trillion(up9 .80%)serving more than3million clients.
In pension finance ,the number of personal pension accounts continued industry leadership,and CCB Endowment managed654billion Yuan in pillar assets.Client numbers rose53 .96%over last year.CCB also expanded elderly-focused banking outlets.
Digital transformation continued ,with active mobile banking users reaching243million(up14 .40%).CCB completed522million e-CNY transactions cumulatively.Loans supporting digital economy industries totaledRMB852billion ,an increase of13 .44%.
Loans supporting national construction—such as infrastructure and manufacturing—grew steadily.Medium-and long-term manufacturing loans wereRMB1 .79trillion(up10 .25%).Strategic emerging industry loans rose18 .92%toRMB3 .39trillion.Private enterprise lending climbed9 .92%.Loans tied to rural development grew8–9%.
Consumer support included individual consumption lending balances reachingRMB614billion,a credit card loan balance atRMB1 .05trillion,and individual housing loan balances leading the industry at6 .$15$ trillion.“CCB Life” distributed consumption coupons worth5 .$6$ billion yuan across172cities,resulting in domestic spending worth40billion yuan.
Trade financing loans totaledRMB1 .$38$ trillion(up6 .$56%),and cross-border settlements hitRMB3 .$14$ trillion(up23 .$21%).Since being named the UK’s designated RMB clearing bank,the London branch has cleared nearly148trillion yuan.RCEP subsidiaries’ combined assets surpassedUSD200billion.Net profit from overseas subsidiaries increased57 .$19%.
Corporate customer numbers grew588,$500$,totaling12.$26$ million;individual customers numbered777million,up5.$7$ million.Science-and-technology-driven channel operations enabled improvements across credit approval,intelligent customer service,and other areas.
Looking ahead,the bank said:“Going forward, CCB will always stick to President Xi's thoughts of socialism with Chinese characteristics in the new era as the guide; cultivate and practice the financial culture with Chinese characteristics, firmly establish the correct business philosophy, performance philosophy and risk philosophy; continuously and deeply promote connotative quality development; try to play a ‘leading’ role in serving the substantive economy and become a ‘ballast’ that maintains financial stability; firmly pursue the path of development with Chinese characteristics; and make greater contributions to promoting the construction of China as a strong financial country and serving the Chinese-style modernization drive.”