Ge Long Hui A P P·2026-03-27 14:45Core Viewpoint - China Construction Bank (601939.SH) reported a solid performance in its 2025 annual report, showcasing robust growth in assets and liabilities, improved operational efficiency, and a strong commitment to supporting the real economy [1] Financial Performance - Total assets reached 45.63 trillion yuan, an increase of 12.47% year-on-year [1] - Net loans and advances amounted to 26.93 trillion yuan, growing by 7.53% [1] - Total liabilities were 41.95 trillion yuan, up by 12.68% [1] - Customer deposits totaled 30.84 trillion yuan, reflecting a growth of 7.39% [1] - Operating income was 761.05 billion yuan, with a net profit of 339.79 billion yuan, representing growths of 1.88% and 1.04% respectively [1] Key Ratios - Average return on assets (ROA) stood at 0.79% [1] - Weighted average return on equity (ROE) was 10.04% [1] - Cost-to-income ratio was 29.15% [1] - Non-performing loan (NPL) ratio was 1.31% [1] - Capital adequacy ratio reached 19.69% [1] Dividend Distribution - The board proposed a final cash dividend of 2.029 yuan per 10 shares (tax included) for the year-end 2025 [1] - After considering the interim dividend already distributed, the total cash dividend for 2025 amounts to 3.887 yuan per 10 shares (tax included) [1] - The bank will not convert reserves into additional shares [1]