Huan Qiu Wang·2025-10-31 03:17Core Viewpoint - China Construction Bank (CCB) reported solid performance in Q3 2025, focusing on enhancing its capabilities to support the real economy and maintain financial stability, while exploring high-quality development paths [1] Financial Performance - Operating income reached 560.281 billion RMB, a year-on-year increase of 1.44% [2] - Pre-provision profit was 411.360 billion RMB, up 1.03% year-on-year [2] - Net profit amounted to 258.446 billion RMB, reflecting a 0.52% increase compared to the previous year [2] - Net profit attributable to shareholders was 257.360 billion RMB, with a growth of 0.62%, marking an acceleration in growth over two consecutive quarters [2] - Non-interest income from fees and commissions rose to 89.668 billion RMB, a 5.31% increase year-on-year [2] - Total assets reached 45.37 trillion RMB, growing 11.83% from the end of the previous year [2] - Total loans and advances amounted to 27.68 trillion RMB, up 7.10% from the end of the previous year [2] - Total liabilities were 41.71 trillion RMB, increasing by 12.05% [2] - Non-performing loan ratio stood at 1.32%, down 0.02 percentage points from the end of the previous year [2] Business Development - CCB actively supports the real economy, with manufacturing loans exceeding 3.5 trillion RMB and private sector loans surpassing 6.7 trillion RMB [3] - The bank has issued green loans totaling 5.89 trillion RMB, reflecting an 18.38% increase year-to-date [3] - The pension fund management scale reached 700.899 billion RMB, growing 11.78% from the end of the previous year [3] - Digital financial services are expanding, with mobile banking users totaling 542 million [3] Risk Management - CCB emphasizes a comprehensive risk management approach, enhancing integrated risk control capabilities across its subsidiaries and branches [4] - The bank is focused on improving its risk monitoring and early warning systems through intelligent risk control measures [4]