China Construction Bank Corporation (00939) reported key figures for the nine months ended 30 September 2025. Operating income reached RMB560.281 billion, reflecting a 1.44% year-on-year increase. Net profit stood at RMB258.446 billion, up 0.52%, while net profit attributable to equity shareholders amounted to RMB257.360 billion, increasing 0.62%.

As of 30 September 2025, total assets rose to RMB45.369 trillion, representing an 11.83% expansion from the end of 2024. Gross loans and advances grew by 7.10% to RMB27.679 trillion, and total deposits stood at RMB30.653 trillion, up 6.75%. The non-performing loan ratio declined to 1.32%, and allowances for non-performing loans reached 235.05%. In capital adequacy metrics, the total capital ratio was 19.24%, and the Tier 1 ratio was 15.19%.

Data indicated heightened focus on technology finance, green finance, inclusive finance, pension finance, and digital finance. Loan balances in technology-related segments maintained steady growth, while green loan balances grew 18.38% since the start of the year. Inclusive loans to small and micro businesses reached RMB3.81 trillion, and agriculture-related loans amounted to RMB3.67 trillion. The bank expanded digital transformation initiatives, resulting in continued increases in online user engagement.

During this period, net interest income declined 3.00% from the previous year, and net interest margin stood at 1.36%. In non-interest income, fee and commission income saw a 5.31% gain. Operating expenses increased slightly, while credit impairment losses rose by 11.11%.

The report also mentioned the planned distribution of an interim cash dividend for 2025, in addition to several capital-related activities, including the issuance and redemption of tiered capital instruments. The overall business focus remained on serving key economic priorities, optimizing operational efficiency, and maintaining stable asset quality.