China Construction Bank posts strong profit, asset growth in H1 2025

China Construction Bank (CCB) reported a net profit of 162.64 bn yuan for the first half of 2025, with attributable net profit to shareholders at 162.08 bn yuan. Operating income increased by 2.95% to 385.91 bn yuan. Total assets grew 9.52% to 44.43 trillion yuan, primarily from a 1.54 trillion yuan increase in net loans and advances and a 1.09 trillion yuan rise in financial investments. Customer deposits increased by 1.76 trillion yuan, bringing total deposits to 30.47 trillion yuan.

The bank maintained a healthy capital adequacy ratio of 19.51% and a non-performing loan ratio of 1.33%. Key financial services initiatives, including green finance and inclusive finance, contributed to this growth. Green loans increased 14.88% to 5.72 trillion yuan and inclusive finance loans rose 9.80% to 3.74 trillion yuan. The bank also successfully issued 105 bn yuan in A-shares to the Ministry of Finance to bolster core Tier 1 capital.

Looking ahead, CCB plans to continue its focus on high-quality financial services, strategic support for national development, and robust risk management to ensure stable growth amidst a complex economic environment.