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China Construction Bank (939) investor relations material
China Construction Bank Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Net profit for the first nine months of 2025 reached RMB258,446 million, up 0.52% year-over-year, with net profit attributable to equity shareholders at RMB257,360 million, up 0.62%.
Operating income for the period was RMB560,281 million, a 1.44% increase year-over-year.
The Group maintained robust business performance amid a complex global environment, focusing on technology, green, inclusive, pension, and digital finance.
Financial highlights
Total assets as of 30 September 2025 were RMB45.37 trillion, up 11.83% from year-end 2024.
Gross loans and advances to customers rose 7.10% to RMB27.68 trillion; deposits from customers increased 6.75% to RMB30.65 trillion.
Net interest income for the nine months was RMB427,606 million, down 3.00% year-over-year; net non-interest income rose 18.96%.
Non-performing loan ratio improved to 1.32%, down 0.02 percentage points from year-end 2024.
Net cash from operating activities surged 90.33% year-over-year to RMB1,817,380 million.
Outlook and guidance
The Group continues to prioritize serving the real economy, risk prevention, and international competitiveness, with a focus on high-quality development strategies under a low-interest-rate environment.
- Net profit was RMB 165.04B as assets and capital ratios stayed strong, despite margin pressure.939
Q2 202422 Jan 2026 - Net profit rose 0.65% to RMB257,112 million, with assets up 6.87% and strong capital ratios.939
Q3 202417 Jan 2026 - Net profit up 1.15% to RMB 336.3B, with strong asset quality and digital finance leadership.939
Q4 20243 Dec 2025 - Net profit fell 1.45% to RMB162.64B, assets up 9.52%, NPL ratio at 1.33%.939
Q2 20253 Dec 2025 - Net profit fell 3.64% year-over-year as assets and green, tech, and inclusive loans expanded.939
Q1 20253 Dec 2025
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