2 1 Shi Ji Jing Ji Bao Dao·2025-08-29 10:47Core Viewpoint - China Construction Bank (CCB) reported stable growth and quality improvement in its mid-year performance, adhering to its "three stability, three optimization, and three control" goals [1][2] Group 1: Three Stability - CCB's core assets showed steady growth, with total loans amounting to 27.44 trillion yuan, a 6.20% increase from the end of the previous year [1] - Financial investments reached 11.77 trillion yuan, growing by 10.17% compared to the end of last year [1] - Core liabilities also grew steadily, with deposits totaling 30.47 trillion yuan, up 6.11% from the end of the previous year [1] - Key performance indicators remained robust, with a net interest margin of 1.40%, ROA of 0.77%, ROE of 10.08%, and a capital adequacy ratio of 19.51% [1] Group 2: Three Optimization - CCB optimized its asset structure, with loans and bond balances accounting for nearly 90% of its total assets, focusing on boosting consumption and supporting new productive forces [2] - The bank improved its liability structure by effectively controlling long-term, high-cost deposits, with domestic current deposits making up over 40% of total deposits [2] - The net income from fees and commissions constituted 16.90% of operating income, leading among peers [2] - CCB capitalized on favorable market conditions to enhance investment strategies, achieving non-interest net income of 34 billion yuan, a year-on-year increase of 111.36% [2] Group 3: Three Control - CCB deepened cost control by optimizing operational expense allocation, achieving a cost-to-income ratio of 23.72%, better than comparable peers [2] - Comprehensive risk management was strengthened, with a non-performing loan ratio of 1.33%, down 1 basis point from the end of the previous year [2] - The core Tier 1 capital adequacy ratio stood at 14.34%, indicating effective capital management and leading capital return levels compared to peers [2]