Zhong Guo Jing Ying Bao·2025-10-30 12:33Core Insights - Construction Bank reported positive year-on-year growth in key financial metrics for the first three quarters of 2025, including operating income, non-interest net income, pre-provision profit, and net profit [1] - The bank's operating income reached 560.28 billion yuan, a 1.44% increase compared to the same period last year [1] - Net profit was 258.45 billion yuan, reflecting a 0.52% year-on-year growth, with a continuous increase in growth rate over the past two quarters [1] Financial Performance - Pre-provision profit amounted to 411.36 billion yuan, up 1.03% year-on-year [1] - Total assets as of September 30 were 45.37 trillion yuan, an 11.83% increase from the end of the previous year [1] - Total liabilities reached 41.71 trillion yuan, growing by 12.05% year-on-year, with total deposits at 30.65 trillion yuan, a 6.75% increase [1] Loan and Asset Quality - The non-performing loan ratio stood at 1.32%, a decrease of 0.02 percentage points from the end of the previous year [1] - Provision coverage ratio improved to 235.05%, an increase of 1.45 percentage points year-on-year [1] - Capital adequacy ratio was reported at 19.24% [1] Loan Distribution - By the end of the third quarter, loans to the manufacturing sector exceeded 3.5 trillion yuan, while loans to the private economy surpassed 6.7 trillion yuan [2] - Green loans reached 589 billion yuan, and inclusive loans for small and micro enterprises increased to 3.81 trillion yuan, up by 397.69 billion yuan from the end of the previous year [2] - The number of loan customers grew to 3.7 million, an increase of 345,500 customers year-on-year [2] - Loans to core industries of the digital economy showed steady growth, exceeding 800 billion yuan [2]