On October 30, China Construction Bank (CCB) held its Q3 2025 earnings conference. Ji Zhihong, Vice President and Board Secretary, reported the bank's performance for the first three quarters: Operating revenue reached RMB 560.281 billion, up 1.44% year-on-year. Pre-provision profit stood at RMB 411.360 billion, rising 1.03% YoY. Net profit totaled RMB 258.446 billion, a 0.52% increase, while net profit attributable to shareholders grew 0.62% to RMB 257.360 billion, marking two consecutive quarters of accelerating growth. Net fee and commission income rose 5.31% to RMB 89.668 billion.

Key metrics maintained industry leadership: net interest margin at 1.36%, annualized average return on assets at 0.80%, annualized ROE at 10.32%, and cost-to-income ratio at 25.53%. Core operations progressed steadily, with total assets hitting RMB 45.37 trillion as of September 30, up 11.83% from year-end 2024. Total loans and advances increased 7.10% to RMB 27.68 trillion. Liabilities grew 12.05% to RMB 41.71 trillion, including deposits of RMB 30.65 trillion, up 6.75%.

Asset quality remained robust, with NPL ratio improving 0.02 percentage points to 1.32%. Provision coverage rose to 235.05%, and capital adequacy ratios stood at 19.24% (total) and 14.36% (CET1).

Ji emphasized, "CCB will prioritize studying and implementing the spirit of the Fourth Plenary Session of the 20th CPC Central Committee. We will scientifically formulate our '16th Five-Year Plan,' focusing on core responsibilities and strengthening competitiveness, steadfastly advancing financial development with Chinese characteristics to support modernization."