On October 30, China Construction Bank (CCB) held its Q3 2025 earnings briefing. Regarding loan allocation, Chief Financial Officer Sheng Liurong noted that in the first three quarters, the group's loans increased by RMB 1.84 trillion, a growth rate of 7.10%, surpassing the average loan growth rate across the broader economy, demonstrating sustained support for the real economy.
In terms of specific allocations, corporate loans grew rapidly, with domestic corporate loans increasing by RMB 1.30 trillion, up 8.98%. Retail loans maintained steady growth, with domestic personal loans rising by RMB 234.9 billion, up 2.65%, while overseas and subsidiary loans saw marginal growth. Key highlights include:
1. **Continued Leadership in Retail Loans**: CCB maintained its leading position in personal housing loans, consumer loans, credit card loans, and inclusive loans. Both the volume of personal housing loans and the growth in consumer loans ranked at the top of the market. Retail loans, characterized by low capital consumption and high returns, maintained a competitive edge among peers.
2. **Targeted Support for Key and Weak Sectors**: The bank actively expanded its tech-finance ecosystem, improving service efficiency. It also supported green and low-carbon transformation, digital economy development, and elderly care industries. Loans in key areas, including the "Five Key Themes," achieved double-digit growth.
3. **Implementation of National Regional Strategies**: Loans in major regions such as Beijing-Tianjin-Hebei, Yangtze River Delta, Greater Bay Area, and Chengdu-Chongqing maintained robust growth, with their share of total loans increasing steadily.
Regarding loan pricing, Sheng Liurong added, "Due to factors such as temporary weak demand, the impact of LPR cuts, and intense competition, the weighted average interest rates for both corporate and retail loans have continued to decline this year, aligning with industry trends. In the first three quarters of 2025, CCB’s new loan pricing remained competitive among peers."