China Construction Bank's net profit last year was 338.9 billion yuan, an increase of 0.99%, with the non-performing loan ratio slightly decreasing to 1.31%.

Construction Bank (601939.SH, 00939.HK)‘s 2025 performance report released on March 27 shows that in 2025, the bank achieved net profit attributable to shareholders of RMB 338.906 billion, up 0.99% year over year, and operating income of RMB 740.871 billion, up 1.69%.

It plans to distribute a 2025 interim cash dividend of RMB 2.029 per 10 shares (including tax), with the total dividend amount of approximately RMB 53.079 billion.

At the end of 2025, Construction Bank’s total assets were RMB 4.563 trillion, up RMB 0.506 trillion from the previous year, representing an increase of 12.47%. Total loans and advances to customers were RMB 2.777 trillion, up RMB 0.193 trillion from the previous year, representing an increase of 7.47%. Total liabilities were RMB 4.195 trillion, up RMB 0.472 trillion from the previous year, representing an increase of 12.68%, which basically matched the growth in assets.

In terms of asset quality, nonperforming loans at Construction Bank are “up one and down one.”

At the end of 2025, Construction Bank’s balance of nonperforming loans was RMB 363.982 billion, up RMB 19.291 billion year over year; the nonperforming loan ratio was 1.31%, down 0.03 percentage points; loans classified as watchlist were 1.77% of the total, down 0.12 percentage points from the previous year.

In 2025, Construction Bank achieved net interest income of RMB 572.774 billion, down RMB 17.108 billion from the previous year, a decrease of 2.90%; net interest income accounted for 77.31% of operating income. Non-interest net income was RMB 168.097 billion, up RMB 29.409 billion from the previous year, an increase of 21.21%. Non-interest net income accounted for 22.69% of operating income.

At the end of 2025, Construction Bank’s onshore corporate loans and advances were RMB 1.569 trillion, up RMB 0.126 trillion from the previous year, an increase of 8.70%; the nonperforming loan ratio was 1.53%. Private-sector economy loan balance was RMB 672.0 billion, up RMB 72.958 billion from the previous year, an increase of 12.17%.

At the end of 2025, Construction Bank’s onshore personal loans and advances were RMB 905.0 billion, up RMB 17.7902 billion from the previous year, an increase of 2.01%. Of which, personal housing loans were RMB 599.0 billion, down RMB 196.53 billion, a decrease of 3.18%; personal business loans were RMB 132.0 billion, up RMB 29.3912 billion, an increase of 28.77%; credit card loans were RMB 101.0 billion, down RMB 56.783 billion, a decrease of 5.33%; personal consumption loans were RMB 68.3174 billion, up RMB 15.5279 billion, an increase of 29.41%.

On the net interest margin, in 2025 Construction Bank’s net interest yield was 1.34%, down 0.17% year over year. Construction Bank stated in its annual report that, affected by multiple factors including the downward adjustment of the LPR rate and market interest rates running at low levels, the yield on the asset side was lower than the previous year; due to the impact of asymmetric rate cuts and the lag in deposit rate reductions behind loan rate reductions, as well as changes in structure, the decline in the interest expense rate on the liability side was smaller than the decline in the asset-side yield.

Massive information and precise interpretation—powered by the Sina Finance app