China Construction Bank reports steady Q3 2025 growth, strong capital

China Construction Bank Corporation reported a net profit of 258,446 million yuan for the first nine months of 2025, a 0.52% increase year-on-year. Total assets grew by 11.83% to 45,369,094 million yuan, with loans and advances rising 7.10% to 27,679,362 million yuan. Customer deposits increased by 6.75% to 30,653,161 million yuan. The bank also maintained strong capital adequacy ratios, with a total capital adequacy ratio of 19.24% and a core Tier 1 capital adequacy ratio of 14.36%.

CCB continued to advance its strategic initiatives in technology, green finance, inclusive finance, elderly care, and digital finance. Green loans increased by 18.38% to 5.89 trillion yuan, and tech loans saw rapid growth. The bank also announced an interim cash dividend of 1.858 yuan per 10 shares for 2025, totaling 48,605 million yuan, and a preferred share dividend of 2,142 million yuan.

Other significant developments included the issuance of 45 billion yuan in Tier 2 capital bonds in July 2025, a 3 billion yuan capital injection into its shipping and aviation financial leasing subsidiary, and the full redemption of 65 billion yuan in 2020 Tier 2 capital bonds. Additionally, the company's articles of association were revised, and the Supervisory Committee was dissolved, with its functions transferred to the Board of Directors' Audit Committee.