China Construction Bank reports steady Q3 2025 performance

China Construction Bank Corporation reported a net profit of RMB95,808 million for the third quarter of 2025, an increase of 4.06% compared to the previous year. For the first nine months of 2025, net profit reached RMB258,446 million, up 0.52%. The bank’s total assets grew by 11.83% to RMB45.37 trillion as of September 30, 2025, while total liabilities increased by 12.05% to RMB41.71 trillion.

Total deposits rose by 6.75% to RMB30.65 trillion, with domestic deposits increasing by 7.07% to RMB29.64 trillion. Loans and advances also saw a healthy increase of 7.10% to RMB27.68 trillion. The non-performing loan ratio was 1.32%, a decrease of 0.02 percentage points from the end of last year, with a provision coverage ratio of 235.05%.

The bank’s total equity attributable to shareholders increased by 9.37% to RMB3.63 trillion. The capital adequacy ratio stood at 19.24%, exceeding regulatory requirements. The annualized weighted average return on equity was 10.82% for the third quarter and 10.32% for the nine-month period.