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China Construction Bank (939) investor relations material
China Construction Bank Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary29 Aug, 2025
Executive summary
Achieved high-quality, robust development in H1 2025, with total assets up 9.52% to RMB44.43 trillion and total liabilities up 9.73%, supported by steady growth in core assets and liabilities.
Operating income increased 2.95% year-over-year to RMB385.91 billion, while net profit declined 1.45% to RMB162.64 billion.
Net fee and commission income rose 4.02% year-over-year; net profit before provisions up 3.37%.
Maintained industry-leading customer base with 777 million personal customers and received multiple awards.
Credit impairment losses rose 22.81% year-over-year, reflecting a more challenging credit environment.
Financial highlights
Gross loans to customers rose 6.2% to CNY 4 trillion; financial investments up 10% to CNY 11.77 trillion.
Net interest margin decreased to 1.40% from 1.54% year-over-year; annualised ROA at 0.77%, ROE at 10.08%, CAR at 19.51%.
Cost-to-income ratio improved to 23.72%, outperforming peers.
Noninterest income up 25.9% to RMB99.2 billion, now 25.7% of operating income.
Net cash from operating activities surged 332% year-over-year to RMB1.26 trillion.
Outlook and guidance
Expects stable profit growth for the full year, with continued optimization of asset-liability structure and focus on comprehensive financial services.
NIM decline expected to narrow, maintaining industry-leading levels through proactive management.
Will focus on key economic development areas, infrastructure, SME support, and digital transformation.
Plans to maintain reasonable credit and bond investment growth, enhance technology finance, and support green and inclusive finance.
Aims to stabilise income base, expand new growth drivers, and enhance risk management.
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Next China Construction Bank earnings date
Q3 202529 Oct, 2025
Next China Construction Bank earnings date
Q3 202529 Oct, 2025
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Frequently asked questions
China Construction Bank Corporation is a major financial institution based in China, providing a wide array of banking services to individual, corporate, and institutional clients. Its offerings include personal and corporate banking, investment banking, wealth management, and treasury operations. CCB serves sectors such as real estate, infrastructure, and small to medium enterprises (SMEs) with financing solutions, loans, and advisory services. Additionally, the bank has a global presence through branches and subsidiaries, supporting cross-border financial services. China Construction Bank Corporation is headquartered in Beijing, China, and its shares are listed on the Hong Kong Stock Exchange.
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