Zhong Guo Zheng Quan Bao·2026-03-27 11:49Core Insights - China Construction Bank (CCB) reported a total asset of 45.63 trillion yuan by the end of 2025, marking a year-on-year growth of 12.47% [1] - The bank's net profit reached 339.79 billion yuan, reflecting a 1.04% increase compared to the previous year [1] - CCB's non-performing loan ratio stood at 1.31% with a provision coverage ratio of 233.15% [1] Financial Performance - CCB's operating income for 2025 was 740.87 billion yuan, showing a year-on-year growth of 1.69% [1] - The net interest margin was 1.34%, down by 17 basis points year-on-year, but the decline rate narrowed by 2 basis points [1] - The bank's core tier-one capital net amount reached 3.46 trillion yuan, up 9.46% year-on-year [1] Asset and Liability Management - CCB's total loans reached 26.93 trillion yuan, with a year-on-year growth of 7.53% [2] - The bank's bond investments amounted to 12.43 trillion yuan, increasing by 20.51% year-on-year [2] - Total deposits grew to 30.84 trillion yuan, reflecting a 7.39% increase, with a current deposit ratio exceeding 40% [2] Sector-Specific Developments - CCB's technology finance loans reached 5.25 trillion yuan, growing by 18.91% year-on-year [3] - Green loans totaled 6 trillion yuan, with a year-on-year increase of 20.54% [3] - Inclusive finance loans for small and micro enterprises reached 3.83 trillion yuan, up 12.37% year-on-year [3] Digital and Pension Finance - The bank's digital finance initiatives led to 546 million users, with 30.05 million active digital yuan wallets [3] - The asset management scale of the second pillar of pension finance reached 723.335 billion yuan, reflecting a 15.36% year-on-year growth [3]