Zhi Tong Cai Jing·2026-03-27 09:31Core Viewpoint - China Construction Bank (CCB) reported a steady improvement in its financial performance for the year 2025, with total operating income reaching 740.87 billion yuan, an increase of 1.69% compared to the previous year [1]. Financial Performance - Net profit for the year was 339.79 billion yuan, reflecting a growth of 1.04% year-on-year [1]. - The net profit attributable to shareholders was 338.91 billion yuan, up by 0.99% from the previous year [1]. - Average return on assets (ROA) stood at 0.79%, while the weighted average return on equity (ROE) was 10.04% [1]. Asset and Liability Growth - As of the end of 2025, the total assets of the group reached 45.63 trillion yuan, marking a growth of 12.47% [1]. - The balance of loans and financial investments accounted for nearly 90% of total assets, with net loans and advances amounting to 26.93 trillion yuan, an increase of 7.53% [1]. - Financial investments totaled 12.90 trillion yuan, reflecting a significant growth of 20.72% [1]. - Total liabilities reached 41.95 trillion yuan, with a growth of 12.68% [1]. - Deposits amounted to 30.84 trillion yuan, increasing by 7.39% [1]. Risk Management and Operational Efficiency - The asset quality remained stable, with a non-performing loan ratio of 1.31% [1]. - The bank's risk coverage capability is robust, with a provision coverage ratio of 233.15% [1]. - Key operational metrics indicate a balanced performance, with an average ROA of 0.79%, a net interest margin of 1.34%, a capital adequacy ratio of 19.69%, and a core Tier 1 capital adequacy ratio of 14.63% [1]. - The cost-to-income ratio was reported at 29.44% [1].