939 Performance | China Construction Bank earned nearly 1% more last year, with an interest rate of 20.29 points

SighingCashier · 2026-03-27T14:25:38+00:00

Construction Bank's full-year results as of the end of last year show that net profit attributable to shareholders increased by 0.99% to 3389.06 billion yuan, with earnings per share of 1.3 yuan. The full-year dividend was 0.3887 yuan, a decrease of 3.55% year-on-year. Operating income reached 7408.71 billion yuan, a growth of 1.69%, of which net interest income declined by 2.9%. Non-performing loans increased by 5.6% to 3639.82 billion yuan, with the non-performing loan ratio slightly decreasing to 1.31%. The capital adequacy ratio remained stable.

SighingCashier

2026-03-27 14:25:38

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China Construction Bank (00939) announced its full-year results as of the end of last year. Net profit attributable to shareholders was RMB 338.906 billion (RMB, the same below), up 0.99% year-on-year. Earnings per share were RMB 1.3.

The group declared a final dividend of RMB 0.2029 per share. Together with an interim dividend of RMB 0.1858 per share, total dividends for the full year amounted to RMB 0.3887 per share, down 3.55% year-on-year.

During the period, operating income was RMB 740.871 billion, up 1.69% year-on-year. Net interest income was RMB 572.774 billion, down 2.9%; net fees and commissions income was RMB 110.307 billion, up 5.13%; other non-interest net income was RMB 57.79 billion, up 71.18%.

At the end of last year, the core tier-one capital adequacy ratio was 14.63%, up 0.15 percentage points; the tier-one capital adequacy ratio was 15.47%, up 0.26 percentage points; and the capital adequacy ratio remained at 19.69%.

At the end of last year, non-performing loans were RMB 363.982 billion, up 5.6% year-on-year; the non-performing loan ratio was 1.31%, down 0.03 percentage points. Of this, non-performing loans in the real estate sector were RMB 44.635 billion, up 2.57%; the non-performing loan ratio was 4.93%, up 0.14 percentage points. The allowance coverage ratio was 233.15%, down 0.45 percentage points; the loan loss provision ratio was 3.06%, down 0.06 percentage points.

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