智通财经APP讯，建设银行(00939)发布2025年度业绩，盈利表现逐季向好，全年实现经营收入7408.71亿元，增幅1.69%。净利润3397.90亿元，较上年增长1.04%;归属于该行股东的净利润3389.06亿元，较上年增长0.99%。平均资产回报率0.79%，加权平均净资产收益率10.04%。
规模增长“稳”、业务结构“进”。2025年末，集团资产总额45.63万亿元，增幅12.47%，其中贷款和金融投资余额占比近九成，发放贷款和垫款净额26.93万亿元、增幅7.53%，金融投资12.90万亿元、增幅20.72%。集团负债总额41.95万亿元，增幅12.68%，其中吸收存款30.84万亿元，增幅7.39%。
风险防控“稳”、经营质效“优”。资产质量保持平稳，不良贷款率1.31%，风险抵补能力充足，拨备覆盖率233.15%。坚持价值创造，核心指标保持均衡协调，平均资产回报率0.79%、加权平均净资产收益率10.04%、净息差1.34%、资本充足率19.69%、核心一级资本充足率14.63%、成本收入比29.44%。
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