On August 29, China Construction Bank Corporation held its 2025 interim results announcement. Vice President Li Jianjiang stated that China Construction Bank has consistently prioritized risk prevention and control as the eternal theme of financial work, proactively managing asset quality with a forward-looking approach.

Data shows that as of the end of June, the Group's non-performing loan ratio stood at 1.33%, down 0.01 percentage points from the end of the previous year; the proportion of loans under special mention category was 1.81%, down 0.08 percentage points from year-end; and the provision coverage ratio reached 239.40%, up 5.8 percentage points from the end of the previous year, maintaining strong risk cushioning capacity.

"A bank's asset quality is closely related to the development of the real economy and is inseparably connected to its own risk management capabilities," Li Jianjiang noted. From a macroeconomic perspective, the national economy showed steady progress in the first half of the year, with macroeconomic policies continuing to take effect and being strengthened in a timely manner. From China Construction Bank's own perspective, the bank has continuously made dynamic adjustments and differentiated arrangements to credit policies, promoted credit structure optimization, streamlined credit processes, closely monitored key areas, adhered to substantive risk judgment, and continuously strengthened the foundation of risk management.

Looking ahead to the second half of the year, China Construction Bank will continue to implement the decisions and arrangements of the Party Central Committee and the State Council regarding the prevention and resolution of financial risks, continuously improve the Group's integrated risk internal control management system, strengthen control, adjust structure, and consolidate foundations, while persistently enhancing its own risk management capabilities. Li Jianjiang expects that "in the coming period, China Construction Bank's asset quality can remain stable, with core indicators performing within reasonable ranges and risk cushioning capacity continuing to remain adequate."