智通财经网·2025-08-29 17:13Group 1 - The core viewpoint of the article is that China Construction Bank (601939.SH) reported its 2025 semi-annual results, showing a net profit of 162.64 billion yuan and a slight increase in operating income [1] - The bank's net interest income decreased by 3.16% year-on-year to 286.71 billion yuan, influenced by LPR repricing and adjustments in existing housing loan rates [1] - The bank's non-interest income saw significant growth, with net fee and commission income increasing by 4.02% to 65.22 billion yuan, and other non-interest income rising by 55.63% to 42.35 billion yuan [1] Group 2 - Total assets of the bank reached 44.43 trillion yuan, reflecting a growth of 9.52%, while net loans and advances amounted to 26.58 trillion yuan, up by 6.13% [1] - The bank's total liabilities increased by 9.73% to 40.85 trillion yuan, with deposits growing by 6.11% to 30.47 trillion yuan [1] - Key financial ratios include an annualized average return on assets of 0.77%, an annualized weighted average return on equity of 10.08%, a cost-to-income ratio of 23.60%, a capital adequacy ratio of 19.51%, and a non-performing loan ratio of 1.33% [1]