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 · 2026-03-28T02:52:42+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

2026-03-28 02:52:42

Abstract generation in progress

[Caixin] The year 2025 marks the end of the “14th Five-Year Plan” and also the 20th anniversary of the listing of China Construction Bank. What is the performance record of this old state-owned bank?

On the evening of March 27, 2026, China Construction Bank announced its operational results for the previous year. By the end of 2025, the bank’s total assets amounted to 45.63 trillion yuan, an increase of 12.47%. The net amount of loans and advances was 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%, a decrease of 3 basis points (BP) from the end of the previous year, but the personal loan non-performing ratio rose by over 20 BP; the provision coverage ratio was 233.15%, slightly down from the end of the previous year.

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