China Construction Bank (CCB) has released its operating results for the third quarter of 2025, reporting steady growth across key financial indicators. The bank stated that it continued to focus on enhancing its capabilities and supporting the real economy while maintaining financial stability.
According to CCB, as of September 30, 2025, the group’s total assets reached RMB 45.37 trillion, marking an increase of 11.83% compared to the end of last year. Loans and advances amounted to RMB 27.68 trillion, up by 7.10%, while deposits totaled RMB 30.65 trillion, representing a rise of 6.75%. Total liabilities stood at RMB 41.71 trillion, up by 12.05%.
The bank reported an operating income of RMB 560.281 billion for the first three quarters of the year, a year-on-year increase of 1.44%. Net profit was recorded at RMB 258.446 billion, up by 0.52% from the previous period, with net profits attributable to shareholders at RMB 257.360 billion—an increase of 0.62%. Non-interest net income grew by nearly 19%, with fee and commission income rising by over five percent.
CCB highlighted its strong position in core performance metrics among peers: “It has maintained leadership in core indicators among industrial peers, with a net interest yield of 1.36%, and the annualized average return on asset 0.80%. The annualised weighted average return on equity (ROE) was 10.32%. The cost-income ratio was 25.53%, continuing to maintain good performances among its peers.” Asset quality remained robust; the non-performing loan ratio dropped slightly to 1.32%, while provision coverage improved to over two times non-performing loans.
The bank emphasized its efforts in supporting various sectors through lending and investment initiatives: “CCB solidly promoted supports for new-type industrialization service programs, with the manufacturing sector loan balance exceeding 3.5 trillion yuan.” Support for private businesses also expanded as private sector loans surpassed RMB 6 trillion.
Green finance remained a priority for CCB during this period; green loan balances increased significantly since the start of the year and green bonds were issued both domestically and internationally.
Digital transformation continued apace at CCB as artificial intelligence applications were integrated into core business operations and digital banking platforms saw their user base expand past half a billion clients.
On risk management practices, CCB stated: “CCB adhered to the concept of comprehensive risk management, strengthened the collaborative risk control between parent and subsidiary companies and between domestic and foreign subsidiaries and enhanced the group's integrated risk management and control capabilities.”
Looking ahead, CCB said it will be guided by national policy priorities: “Going forward, China Construction Bank will be guided by Xi Jinping Thought on Socialism with Chinese Characteristics for a New Era... It will accurately grasp the main goals and tasks of financial work during the ‘15th Five-Year Plan’ period... resolutely follow the path of financial development with Chinese characteristics and contribute financial strengths to modernization drive in Chinese way.”