CCB Q3 report "scan": Net profit attributable to shareholders reached 257.36 billion yuan, up 0.62% year-on-year.

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On October 30, China Construction Bank disclosed its third quarter report.

The announcement shows: In the first three quarters of this year, China Construction Bank achieved an operating income of 560.281 billion yuan, an increase of 1.44% compared with the same period last year; net profit attributable to shareholders was 257.36 billion yuan, an increase of 0.62% compared with the same period last year.

It is noteworthy that: China Construction Bank's operating income, net non-interest income, profit before provisions, and net profit all achieved year-on-year positive growth.

Core indicators maintain an advantage

The third quarter report shows: China Construction Bank's income structure continues to optimize, with net fee and commission income of 89.668 billion yuan, an increase of 5.31% compared with the same period last year.

The core indicators of this listed bank maintain a leading position among peers, with a net interest margin of 1.36%, annualized average return on assets of 0.80%, annualized weighted average return on net assets of 10.32%, and cost-to-income ratio of 25.53%, continuing to maintain a superior level among peers.

Total assets increased by over 10%

As of September 30, China Construction Bank's total assets were 45.37 trillion yuan, an increase of 11.83% compared with the end of last year. Among these, total loans and advances were 27.68 trillion yuan, an increase of 7.10% compared with the end of last year; total liabilities were 41.71 trillion yuan, an increase of 12.05% compared with the end of last year, with total deposits reaching 30.65 trillion yuan, an increase of 6.75% compared with the end of last year.

Non-performing loan ratio declines

As of the end of the third quarter, the bank's non-performing loan ratio was 1.32%, a decrease of 0.02 percentage points compared with the end of last year; the provision coverage ratio was 235.05%, an increase of 1.45 percentage points compared with the end of last year; the capital adequacy ratio reached 19.24%.

Net interest margin faces downward pressure

The announcement shows: In the first three quarters of 2025, the CCB's net interest margin was 1.36%, down 16 basis points from the same period last year.

After the third quarter report was disclosed, the bank's Chief Financial Officer Sheng Liurong said at the third quarter performance briefing: "From the perspective of our bank, since loan repricing is faster than deposit repricing, and with the lagging effect of the adjustments to the LPR and deposit rates, we expect that the net interest margin for the whole year will still face a certain downward pressure."

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