Zhi Tong Cai Jing·2025-10-30 11:29Core Insights - Construction Bank reported a decrease in operating income for Q3 2025, with a total of 174.38 billion yuan, down 1.77% year-on-year, while net profit increased by 4.19% to 95.28 billion yuan [1] - For the first nine months of 2025, the bank's operating income rose by 1.44% to 560.28 billion yuan, and net profit increased by 0.62% to 257.36 billion yuan [1] - As of September 30, 2025, total assets reached 45.37 trillion yuan, an increase of 4.80 trillion yuan or 11.83% from the end of the previous year [1] Financial Performance - The total amount of loans and advances was 27.68 trillion yuan, up 1.84 trillion yuan or 7.10% from the end of the previous year [1] - Financial investments amounted to 12.35 trillion yuan, increasing by 1.67 trillion yuan or 15.61% [1] - The bank's non-performing loans stood at 365.47 billion yuan, an increase of 20.78 billion yuan, with a non-performing loan ratio of 1.32%, down 0.02 percentage points from the end of the previous year [1] Capital and Liquidity - Total liabilities reached 41.71 trillion yuan, an increase of 4.49 trillion yuan or 12.05% [2] - Deposits amounted to 30.65 trillion yuan, up 1.94 trillion yuan or 6.75% [2] - The capital adequacy ratio was reported at 19.24%, with a Tier 1 capital ratio of 15.19% and a core Tier 1 capital ratio of 14.36% [2]