Construction Bank's parent company net profit increased by 0.99% year-on-year; non-performing loan ratio declined, but individual loan asset quality remains under pressure.

WealthCoffee · 2026-03-30T03:29:39+00:00

In 2025, China Construction Bank announced its operating performance, with assets increasing to 45.63 trillion yuan, loans growing by 7.53%, and the non-performing loan ratio at 1.31%, slightly down, but the personal loan NPL ratio increased. The provision coverage ratio was 233.15%.

WealthCoffee

2026-03-30 03:29:39

Abstract generation in progress

[Caixin] The year 2025 marks the end of the “14th Five-Year Plan” and the 20th anniversary of CCB’s stock reform and listing. What does the report card of this long-established state-owned bank look like?

On the evening of March 27, 2026, CCB released its operational performance for the previous year. As of the end of 2025, the bank’s total assets amounted to 45.63 trillion yuan, an increase of 12.47%, with net loans and advances of 26.93 trillion yuan, an increase of 7.53%; financial investments reached 12.9 trillion yuan, an increase of 20.72%. The overall non-performing loan ratio at the end of 2025 was 1.31%, down 3 basis points (BP) from the end of the previous year, but the personal loan non-performing rate rose by over 20 BPs; the provision coverage ratio was 233.15%, slightly down from the end of the previous year.

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