China Construction Bank Corporation (939) Earnings Call Transcripts

China Construction Bank Corporation's Latest Earnings Call - March 27, 2026

In the 2025 fiscal year, China Construction Bank Corporation (939:HK) reported a net profit of CNY 339 billion, reflecting a modest growth of 1.04% year-over-year. Operating income increased by 1.69%, with total assets rising to CNY 45.63 trillion, up 12%. Management highlighted a strong focus on supporting the real economy and maintaining a stable NPL ratio of 1.31%. Looking ahead, CCB aims to enhance its service capabilities and continue supporting domestic demand, with a commitment to high-quality development in line with the 15th 5-year plan.

Reported metrics

Guidance from management

CCB plans to enhance its service capabilities and support domestic demand in alignment with the 15th 5-year plan, focusing on high-quality development and fintech integration.

What management said

Thank you. Thank you, President Zhang. Now we go into Q&A. So this event will have questions alternatively from both the Beijing and Hong Kong venues so that everybody gets a chance to ask question. We hope [Operator Instructions]

What analysts pressed on

Analysts expressed concerns regarding the impact of external economic conditions on loan growth and asset quality. There were inquiries about the sustainability of NIM and how CCB plans to navigate potential challenges in the retail loan segment.

Main topics on the call

• Stable Profit Growth — CCB achieved a net profit of CNY 339 billion, a 1.04% increase year-over-year. President Zhang noted, "Our annual profit growth continues to be healthy," indicating a steady operational performance.
• Asset Growth and Loan Disbursement — Total assets increased by 12% to CNY 45.63 trillion, with gross loans rising 7.47% to CNY 27.77 trillion. Management emphasized, "Our loan growth is steady and enjoys high quality," reflecting a robust lending strategy.
• NPL Ratio Stability — The NPL ratio improved to 1.31%, a decline of 0.03 percentage points year-over-year. Li Jianjiang stated, "Our risk management capacity is adequate," reinforcing confidence in credit quality.
• Dividend Distribution — CCB announced a total dividend of CNY 106 billion for the year, with a final dividend of RMB 2 per 10 shares. This reflects the bank's commitment to returning value to shareholders.

Read the full China Construction Bank Corporation transcript (March 27, 2026) → Summary generated from the call transcript; every figure above is stated by management on the record.

Earnings Call History

EarningsCalls.dev has 16 China Construction Bank Corporation earnings call transcripts on record, spanning April 1, 2020 to August 28, 2026. Based on this history, China Construction Bank Corporation reports semi-annually. The most recent call on file is dated August 28, 2026. The full list is below — each row opens the complete, free-to-read transcript.

Ticker

939

Exchange

SEHK

Country

HK

Sector

Financials

Industry

Banks

Calls on record

16

First call

April 1, 2020

Most recent

August 28, 2026

Reporting cadence

semi-annually