China Construction Bank Q3 Profit Rises 6.65%

China Construction Bank (CCB) posted a net profit of RMB275.623 billion for the nine months ending September 30, 2026, a 6.65% increase compared to the same period last year. This positive result reflects the bank’s continued focus on strategic alignment with national economic priorities and its commitment to high-quality development.

Total assets for CCB reached RMB48.73 trillion as of September 30, 2026, representing a 6.78% increase from the end of the previous year. Gross loans and advances to customers grew by 6.41% to RMB29.55 trillion, while financial investments increased by a more substantial 14.38% to RMB14.75 trillion. The bank maintained strong capital adequacy ratios, with the Tier 1 capital ratio at 15.44% and the total capital ratio at 19.55% as of September 30, 2026, both exceeding regulatory requirements.

The bank’s net interest income rose by 10.01% year-on-year to RMB470.406 billion, while net non-interest income increased by 15.43% to RMB153.152 billion, driven by gains from bond and equity investments amid market volatility. The liquidity coverage ratio stood at 140.20%, well above the minimum regulatory requirement.

CCB’s board of directors approved the release of the Capital Management Pillar III Third Quarter Report 2026, detailing the bank’s capital adequacy and liquidity positions. The board also approved a dividend distribution plan for its domestic preference shares, amounting to RMB2.142 billion. Furthermore, the bank is actively pursuing initiatives in digital finance and fintech development, alongside strengthening its AI development and application measures, reflecting a broader commitment to technological advancement and risk management.

The results demonstrate CCB’s resilience against a complex macroeconomic backdrop, characterized by uncertainties in inflation and monetary policy. The bank continues to focus on supporting technological innovation and new quality productive forces, aligning with China’s broader economic development strategy.