Ge Long Hui·2025-10-30 10:36Core Viewpoint - China Construction Bank (00939.HK) reported a decrease in operating income for Q3 2025, while net profit showed a year-on-year increase, indicating mixed financial performance [1]. Financial Performance - Operating income for Q3 2025 was 174.376 billion yuan, a decrease of 1.77% year-on-year [1]. - Net profit attributable to shareholders was 95.284 billion yuan, an increase of 4.19% year-on-year [1]. Asset and Liability Overview - Total assets as of September 30, 2025, reached 45.37 trillion yuan, an increase of 4.80 trillion yuan, or 11.83% from the end of the previous year [1]. - Total loans and advances amounted to 27.68 trillion yuan, up by 1.84 trillion yuan, or 7.10% from the end of the previous year [1]. - Total liabilities were 41.71 trillion yuan, increasing by 4.49 trillion yuan, or 12.05% from the end of the previous year [1]. Deposits and Equity - Total deposits reached 30.65 trillion yuan, an increase of 1.94 trillion yuan, or 6.75% from the end of the previous year [1]. - Shareholder equity stood at 3.66 trillion yuan, up by 312.176 billion yuan, or 9.34% from the end of the previous year [1]. - Equity attributable to shareholders was 3.63 trillion yuan, an increase of 311.260 billion yuan, or 9.37% from the end of the previous year [1]. Capital Adequacy Ratios - As of September 30, 2025, the capital adequacy ratio was 19.24%, with a Tier 1 capital ratio of 15.19% and a core Tier 1 capital ratio of 14.36% [1]. - The leverage ratio was reported at 7.64% [1].