Jin Rong Shi Bao·2025-11-03 02:33Core Insights - China Construction Bank (CCB) reported positive year-on-year growth in operating income, non-interest net income, pre-provision profit, and net profit for the first three quarters of 2025 [1] Financial Performance - CCB achieved operating income of 560.28 billion yuan, an increase of 1.44% compared to the same period last year [1] - Pre-provision profit reached 411.36 billion yuan, up 1.03% year-on-year [1] - Net profit was 258.45 billion yuan, reflecting a 0.52% increase from the previous year [1] - Net profit attributable to shareholders was 257.36 billion yuan, marking a 0.62% year-on-year growth, with an acceleration in growth rate over the last two quarters [1] - Net fee and commission income amounted to 89.67 billion yuan, a rise of 5.31% compared to the same period last year [1] Asset and Liability Overview - As of September 30, total assets reached 45.37 trillion yuan, an increase of 11.83% from the end of the previous year [1] - Total loans and advances stood at 27.68 trillion yuan, growing by 7.10% since the end of last year [1] - Total liabilities were 41.71 trillion yuan, up 12.05% from the end of the previous year, with total deposits amounting to 30.65 trillion yuan, reflecting a 6.75% increase [1] Asset Quality and Risk Management - CCB maintained a stable asset quality with a non-performing loan (NPL) ratio of 1.32%, a decrease of 0.02 percentage points from the end of the previous year [1] - The provision coverage ratio improved to 235.05%, an increase of 1.45 percentage points from the end of last year [1] - Capital adequacy ratio stood at 19.24% [1]