China Construction Bank's (CCB) 2025 performance report was recently unveiled.
The annual report shows that CCB achieved operating income of 761.049 billion yuan, an increase of 1.88%, and net profit of 339.790 billion yuan, an increase of 1.04%. The group's assets surpassed the 45 trillion yuan mark.
Under pressure from a narrowing net interest margin to 1.34%, CCB stabilized its revenue base with nearly 20% growth in non-interest income. The credit structure continued to tilt towards &#34;new quality productive forces,&#34; with loans to technology, strategic emerging industries, and green sectors all increasing by over 18%.
Overall, this is a report of steady performance.
<h2>Scale Growth &#34;Stable&#34;</h2>
Overall, on a massive base, CCB maintained dual positive growth in revenue and net profit in 2025.
Scale expansion is a significant feature of this financial report. As of the end of 2025, CCB's total group assets surpassed the 45 trillion yuan threshold, reaching 45.63 trillion yuan, an increase of 12.47%.
Among these, net loans and advances were 26.93 trillion yuan, an increase of 7.53%. Total liabilities were 41.95 trillion yuan, an increase of 12.68%. This represents steady expansion of the asset and liability scale.
<h2>Non-Interest Income Carries the Growth Flag</h2>
Amidst the backdrop of preferential policies for the real economy and loan repricing, CCB's net interest income in 2025 was 572.774 billion yuan, a year-on-year decrease of 2.90%.
However, this gap was effectively filled by strong non-interest income, which reached 188.275 billion yuan for the year, a significant year-on-year increase of 19.85%.
The financial report shows that CCB's net fee and commission income reached 110.307 billion yuan in 2025, a year-on-year increase of 5.13%, mainly benefiting from substantial growth in asset management business income such as wealth management products and fund management fees (an increase of 78.78%). More notably, other non-interest income surged by 49.48% to 77.968 billion yuan, primarily attributed to increased gains from bond and equity investments, as well as improved foreign exchange business-related income.
The rise of &#34;light capital&#34; businesses offset the strategy of declining interest margins for relatively &#34;heavy capital&#34; businesses, leading to overall stability and growth in CCB's profitability.
<h2>Proportion of Technology and Green Loans Increases</h2>
From the balance sheet perspective, CCB's credit allocation structure is undergoing profound changes, with capital accelerating towards &#34;new quality productive forces.&#34;
The financial report discloses that loan growth in key areas such as technology finance, green finance, and inclusive finance has significantly outpaced the average loan growth rate. Among these, technology loans reached a balance of 5.25 trillion yuan, an increase of 18.91%; strategic emerging industry loans amounted to 3.52 trillion yuan, an increase of 23.46%; and green loans reached 6.00 trillion yuan, an increase of 20.54%.
In a market where traditional credit demand like real estate is weakening, CCB has clearly shifted its credit resources to advanced manufacturing and green/low-carbon sectors supported by national strategies.
<h2>Tier 1 Capital Adequacy Ratio Reaches 14.63%</h2>
In terms of risk management, CCB continues its prudent and stable approach. The group's non-performing loan ratio decreased by 0.03 percentage points year-on-year to 1.31%, and the proportion of special-mention loans also decreased by 0.12 percentage points to 1.77%. The provision coverage ratio remained high at 233.15%.
Regarding capital adequacy, CCB successfully completed its A-share issuance to the Ministry of Finance in 2025, raising 105 billion yuan. This move significantly bolstered its core Tier 1 capital.
As of year-end, CCB's core Tier 1 capital adequacy ratio reached 14.63%, and its overall capital adequacy ratio stood at 19.69%.
<h2>Personal Consumer Loan Balance Increases Significantly</h2>
By the end of 2025, CCB's total number of individual customers reached 785 million, and its managed personal financial assets under management (AUM) surpassed 23 trillion yuan.
CCB's domestic personal consumer loan balance increased significantly by 29.41% to 683.174 billion yuan, and personal operating loans also recorded high growth of 28.77%.
Concurrently, through its &#34;Gemini&#34; mobile banking and CCB Life platforms, its total online user base reached 546 million households. The number of wealth management customers achieved double-digit growth, with investment and wealth management scale exceeding 5 trillion yuan, indicating that the wealth management strategy is accelerating monetization.
<h2>Dividends Exceed 100 Billion Yuan</h2>
Furthermore, CCB's board of directors proposed a final cash dividend for the 2025 fiscal year of RMB 2.029 per 10 ordinary shares (tax inclusive), totaling approximately RMB 53.079 billion, which will be submitted for deliberation at the 2025 Annual General Meeting in the first half of 2026.
If this profit distribution plan is approved at the 2025 Annual General Meeting, the dividend will be paid to shareholders on the company's ordinary shareholder register as of the close of business on July 10, 2026.
Considering the interim dividend, the total cash dividend for the full year 2025 is RMB 3.887 per 10 shares (tax inclusive), with total dividends amounting to approximately RMB 101.684 billion, representing 30% of the net profit attributable to shareholders for the group in 2025.
Risk Warning and Disclaimer
Markets are subject to risks, and investment requires caution. This article does not constitute personal investment advice, nor has it taken into account the specific investment objectives, financial situation, or needs of individual users. Users should consider whether any opinions, views, or conclusions in this article are suitable for their specific circumstances. Investment based on this is at the user's own risk.

515020

512800

00939

601939

516210

512820

159887

China Construction Bank's 2025 annual report shows total operating income of 761.049 billion yuan and net profit of 339.790 billion yuan for the year. Total assets surpassed 45 trillion yuan, an increase of 12.47%. Amidst a narrowing net interest margin, non-interest income surged by nearly 20% to 188.275 billion yuan, primarily driven by significant growth in asset management and other non-interest income. Credit structure tilted towards technology and green loans, with overall performance remaining stable

- In 2025, China Construction Bank reported a revenue of 7,610.49 billion yuan and a net profit of 3,397.90 billion yuan, marking increases of 1.88% and 1.04% respectively.  
- Despite a narrowing net interest margin of 1.34%, non-interest income grew nearly 20%, helping maintain steady revenues, with significant growth in loans for technology and green projects.  
- The bank's capital adequacy ratios improved, with the core tier 1 capital ratio reaching 14.63%, and it recommended a cash dividend distribution amounting to approximately 530.79 billion yuan to shareholders.

Wallstreetcn

ChinaAMC CSI Banks ETF

Hwabao WP CSI Banks ETF

Huaan CSI Banks ETF

WP CSI Banks ETF

Fullgoal CSI 800 Banks ETF

CCB's 2025 Performance: Total Assets Exceed 45 Trillion Yuan, Non-Interest Income Surges Nearly 20% as Key to Breaking Through