China Construction Bank (00939) announced its 2025 annual performance, showing a steady quarterly improvement in profitability. The bank achieved annual operating revenue of 740.871 billion yuan, an increase of 1.69%. Net profit reached 339.79 billion yuan, up 1.04% from the previous year. Net profit attributable to shareholders amounted to 338.906 billion yuan, rising 0.99% year-on-year. The average return on assets stood at 0.79%, while the weighted average return on equity was 10.04%.

The bank demonstrated stable growth in scale and progressive optimization in business structure. By the end of 2025, the group's total assets reached 45.63 trillion yuan, an increase of 12.47%, with loans and financial investments accounting for nearly 90% of the total. Net loans and advances amounted to 26.93 trillion yuan, up 7.53%, while financial investments totaled 12.90 trillion yuan, rising 20.72%. Total liabilities stood at 41.95 trillion yuan, an increase of 12.68%, with customer deposits totaling 30.84 trillion yuan, up 7.39%.

Risk management remained stable, and operational efficiency improved. Asset quality remained steady, with a non-performing loan ratio of 1.31%. The bank maintained sufficient risk resilience, with a provision coverage ratio of 233.15%. Adhering to value creation, core indicators remained balanced and coordinated. Key metrics included an average return on assets of 0.79%, a weighted average return on equity of 10.04%, a net interest margin of 1.34%, a capital adequacy ratio of 19.69%, a core tier 1 capital adequacy ratio of 14.63%, and a cost-to-income ratio of 29.44%.