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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.Q3 2025 earnings summary30 Oct, 2025
Executive summary
Operating environment remained challenging with global economic sluggishness and domestic demand weakness, but business performance was robust and in line with expectations.
Focused on technology, green, inclusive, pension, and digital finance, with significant growth in related loan portfolios and digital user engagement.
Financial highlights
Operating income for Q3 2025 was RMB174,376 million, down 1.77% year-over-year; nine-month operating income was RMB560,281 million, up 1.44%.
Net profit for Q3 2025 was RMB95,808 million, up 4.06% year-over-year; nine-month net profit was RMB258,446 million, up 0.52%.
Net interest income for nine months was RMB427,606 million, down 3.00% year-over-year; net non-interest income rose 18.96%.
Total assets reached RMB45.37 trillion, up 11.83% from end-2024; total equity attributable to shareholders was RMB3.63 trillion, up 9.37%.
Non-performing loan ratio was 1.32%, down 0.02 percentage points from end-2024.
Outlook and guidance
Continued focus on high-quality development, risk prevention, and serving the real economy.
Emphasis on digital transformation, green finance, and inclusive financial services to drive future growth.
What drove the 16bps NIM decline?
Impact of deposit mix shift on funding costs?
Strategic initiatives' impact on ROAE?
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Next China Construction Bank earnings date
Q4 202526 Mar, 2026
Next China Construction Bank earnings date
Q4 202526 Mar, 2026
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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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