China Construction Bank Reports Growth in First Half 2026

China Construction Bank (CCB) reported a significant increase in non-interest income during the first half of 2026, according to a Pillar III capital management report filed with the Hong Kong Exchange (HKEX) on August 28, 2026. The bank’s other net non-interest income reached RMB51,086 million, a 50.35% increase compared to the RMB34,000 million recorded in the first half of 2025. This growth was primarily driven by gains from investment securities, particularly equity investments, and the disposal of bond investments.

The report details CCB’s compliance with the Rules on Capital Management of Commercial Banks, outlining key prudential regulatory indicators. As of June 30, 2026, the bank’s net stable funding ratio (NSFR) stood at 129.50%, exceeding regulatory requirements. This ratio, calculated as available stable funding divided by required stable funding, comprised RMB31,994,292 million in available funding and RMB24,705,473 million required, representing a 0.69 percentage point increase since the end of March. The bank also reported a leverage ratio of 7.63%, also meeting regulatory thresholds.

The filing also disclosed details of a proposed interim dividend distribution of RMB2.01 per 10 shares, totaling RMB52,582 million, representing a distribution ratio of 31.0% based on a net profit attributable to equity shareholders of RMB169,564 million. The proposal received unanimous approval from the bank’s board of directors and is subject to shareholder approval. The bank utilizes both the Internal Ratings-Based (IRB) Approach for credit risk and the Standardised Approach for market and operational risk, as approved by the former China Banking and Insurance Regulatory Commission.

The report further outlines the composition of the bank’s regulatory capital, reconciliation of accounting balance sheet items to regulatory standards, and details related to total loss-absorbing capacity (TLAC). Adjustments were made to consolidate total assets to align with regulatory requirements, including adjustments for off-balance sheet items and deposit reserves held with the People’s Bank of China. The filing also details the composition of the bank’s board committees, including the Strategy Development Committee, Audit Committee, and Risk Management Committee.

At 129.50%, CCB’s NSFR surpasses the minimum regulatory requirement, demonstrating a healthy liquidity position. The increase from the previous quarter suggests a proactive approach to managing funding stability. While the leverage ratio also meets requirements, the consistent reporting of these metrics against evolving regulatory standards and peer benchmarks will be crucial for continued monitoring of CCB’s financial health.