[CCB 939 Performance] CCB: This year's net interest margin decline is expected to narrow further

SocialAnxietyStaker · 2026-03-27T15:37:59+00:00

Construction Bank announces 2025 performance, net interest margin drops to 1.34%. It is expected that this year's decline in net interest margin will narrow, with loan growth exceeding 7%. Non-performing loan ratio decreases to 1.31%, with retail loan risk management being a key focus. Revenue reaches 740.87 billion yuan, net profit 338.9 billion yuan, and non-interest income increases by 21.2%.

SocialAnxietyStaker

2026-03-27 15:37:59

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Construction Bank (00939)
Announced its full-year results for 2025, with a net interest margin decreasing by 17 basis points year-on-year to 1.34%. Looking ahead to this year’s net interest margin, the bank’s CFO, Sheng Liurong, stated that by strengthening liability management and further enhancing operational performance, the decline in net interest margin is expected to narrow further.

President: Credit growth will remain stable compared to last year’s growth

Construction Bank’s loan growth for 2025 is over 7%. President Zhang Yi stated that 2026 marks the beginning of the “14th Five-Year Plan,” and Construction Bank will import national strategic development goals, adhering to a credit development direction of stable total volume and optimized structure, continuing to maintain reasonable growth in credit scale. This year’s credit growth will generally remain stable compared to last year’s actual growth.

Vice President: Risk control in retail lending is a work priority

Construction Bank’s non-performing loan ratio for 2025 is 1.31%, a year-on-year decrease of 0.03 percentage points. Vice President and Chief Risk Officer Li Jianjiang stated that over the past year, the increase in personal non-performing loans has narrowed. Given the current situation, risk control in the retail sector remains a work priority, and Construction Bank is confident in maintaining stable credit quality in the retail sector.

Construction Bank’s revenue for 2025 is 740.87 billion yuan (RMB, same below), a year-on-year increase of 1.7%; net profit is 338.9 billion yuan, a year-on-year increase of 1%.

Net interest income decreased by 2.9% year-on-year to 572.77 billion yuan, with a net interest yield of 1.34%, down 17 basis points from 2024. Non-net interest income was 168.1 billion yuan, an increase of 21.2%, of which net fee and commission income reached 123.7 billion yuan.

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