China Construction Bank 2025 Report Card: Total assets surpass 45 trillion yuan, non-interest income increases nearly 20%, becoming the key to breaking the deadlock

The Construction Bank’s 2025 report recently “debuted.”

The annual report shows that the bank achieved operating income of 761.049 billion yuan, an increase of 1.88%, and a net profit of 339.79 billion yuan, an increase of 1.04%. The group’s assets exceeded 45 trillion yuan.

Under the pressure of a net interest margin narrowing to 1.34%, the bank stabilized its revenue base thanks to a nearly 20% growth in non-interest income. The credit structure continued to tilt towards “new productive forces,” with growth rates for technology, strategic emerging industries, and green loans all exceeding 18%.

Overall, this is a solid performance report.

Stable Growth in Scale

Overall, in 2025, despite a large base, the Construction Bank still maintained positive growth in both revenue and net profit.

Scale expansion is a significant feature of this financial report. By the end of 2025, the total assets of the Construction Bank Group exceeded 45 trillion yuan, reaching 45.63 trillion yuan, with a growth rate of 12.47%.

Of this, the net amount of loans and advances was 26.93 trillion yuan, with a growth rate of 7.53%. The total liabilities were 41.95 trillion yuan, with a growth rate of 12.68%. The steady expansion of the balance sheet.

Non-Interest Income Carries the Growth Flag

Against the backdrop of benefiting the real economy and loan repricing, the bank’s net interest income for 2025 was 572.774 billion yuan, a year-on-year decrease of 2.90%.

However, this gap was effectively filled by strong non-interest income, which reached 188.275 billion yuan for the year, a year-on-year increase of 19.85%.

The financial report shows that in 2025, the bank’s net income from fees and commissions reached 110.307 billion yuan, a year-on-year increase of 5.13%, mainly due to a significant increase in income from asset management businesses such as wealth management products and fund management fees (with a growth rate of 78.78%). Notably, other non-interest income surged 49.48% to 77.968 billion yuan, mainly thanks to increases in bond investment and equity investment disposal gains, as well as improved foreign exchange business-related income.

The rise of “light capital” businesses offset the strategy of relatively “heavy capital” margin declines, allowing the bank’s overall profitability to remain stable and grow.

Proportion of Technology and Green Loans Increases

From the balance sheet, the bank’s credit allocation structure is undergoing profound changes, with funds accelerating toward “new productive forces.”

The financial report disclosed that the growth rates of loans in key areas such as technology finance, green finance, and inclusive finance significantly exceeded the average growth rate of all loans. Among them, the balance of technology loans reached 5.25 trillion yuan, with a growth rate of 18.91%; strategic emerging industry loans reached 3.52 trillion yuan, with a growth rate of 23.46%; and the balance of green loans was 6.00 trillion yuan, with a growth rate of 20.54%.

As traditional credit demand, such as real estate, weakens, the bank is clearly shifting credit resources to advanced manufacturing and green low-carbon sectors supported by national major strategies.

Tier 1 Capital Adequacy Ratio Reaches 14.63%

In terms of risk management, the bank has maintained a prudent and steady style. The group’s non-performing loan ratio decreased by 0.03 percentage points from the previous year to 1.31%, and the proportion of loans under observation also decreased by 0.12 percentage points to 1.77%. The provision coverage ratio remained high at 233.15%.

Regarding capital adequacy, in 2025, the bank successfully completed the issuance of A-shares to the Ministry of Finance, raising 105 billion yuan. This move greatly enriched the core Tier 1 capital.

By the end of the year, the bank’s core Tier 1 capital adequacy ratio reached 14.63%, and the overall capital adequacy ratio reached 19.69%.

Personal Consumption Loan Balance Increases Significantly

By the end of 2025, the total number of personal customers reached 785 million, and the management of personal customer financial assets (AUM) exceeded 23 trillion yuan.

The balance of personal consumption loans in the bank increased significantly by 29.41% to 683.174 billion yuan, while personal operating loans also recorded a high growth of 28.77%.

At the same time, leveraging the “Twin Stars” mobile banking and CCB Life, the total number of online users reached 546 million households. The number of wealth management customers achieved double-digit growth, and the scale of investment and wealth management exceeded 5 trillion yuan, indicating that the large wealth management strategy is accelerating its monetization.

Dividends Exceed 100 Billion

At the same time, the bank’s board of directors proposed to distribute a cash dividend of 2.029 yuan (tax included) per 10 shares to all ordinary shareholders for the year-end of 2025, totaling approximately 53.079 billion yuan, to be submitted for review at the 2025 annual shareholders’ meeting in the first half of 2026.

If this profit distribution plan is approved at the 2025 annual shareholders’ meeting, the dividends will be paid to shareholders listed on the bank’s ordinary shareholder register after the close of trading on July 10, 2026.

Considering the interim dividends, the total cash dividends for the full year of 2025 will be 3.887 yuan (tax included) per 10 shares, totaling approximately 101.684 billion yuan, accounting for 30% of the net profit attributable to the bank’s shareholders under the group caliber for 2025.

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