China Construction Bank Corporation Class A · SSE:601939
China Construction Bank Corporation Class A — FY2025 Earnings Presentation
18 slides from China Construction Bank Corporation Class A's earnings presentation, March 2026
Slide 1: 2025 Annual Results Announcement
Uniting Efforts to Enhance Quality and Efficiency Unwaveringly Advance High-Quality Development 2025 Annual Results Announcement China Construction Bank March 2026 | Beijing, Hong Kong
Slide 2: Disclaimer
Disclaimer The information contained herein contains certain forward-looking statements relating to the plans, beliefs, strategies and growth prospects of China Construction Bank Corporation ("CCB" or the "Bank"). These statements are based on different assumptions and are subject to various risks a
Slide 3: Contents
Financial Performance Contents High-Quality Development Future Outlook
Slide 4: Achieved Effective Quality Improvement
Achieved Effective Quality Improvement Net profit attributable Profit before to equity shareholders Operating income Net profit provisions of the Bank Up 1.69% YoY Up 1.70% YoY Up 1.04% YoY Up 0.99% YoY NIM Capital Cost-to-income Non-interest net ROA ROE adequacy ratio ratio income ratio 0.79% 10.04
Slide 5: Achieved Reasonable Quantitative Growth
Achieved Reasonable Quantitative Growth 12.47% Assets Liabilities 12.68% 45.63 41.65 RMB trillion 40.57 7.39% RMB trillion 37.23 7.47% 30.84 28.71 27.77 25.84 20.72% 12.90 10.68 Total assets Gross loans to customers Financial investments Total liabilities Deposits from customers 2024-12-31 2025-12-3
Slide 6: Robust Cash Payouts to Shareholders
Robust Cash Payouts to Shareholders Historical dividend distribution (RMB 100 million) 1200 1000.04 1007.54 1016.84 1000 972.54 Interim dividend for 1H 2025 910.04 800.04 815.04 RMB 1.858 per 10 shares 800 765.03 727.53 685.03 695.03 600 400 Final dividend for FY 2025 200 RMB 2.029 per 10 shares 0 F
Slide 7: Contents
Financial Performance Contents High-Quality Development Future Outlook
Slide 8: Focused on Core Responsibilities and Primary Business to Empower the Real Economy
Focused on Core Responsibilities and Primary Business to Empower the Real Economy with High-quality Financial Services Advancing the "Five Priorities" with scale and quality Green Finance • Green loan balance reached RMB 6 trillion, up 20.54% • Comprehensive businesses such as green Technology Finan
Slide 9: Upheld People-Centric Finance and Enhanced Group-wide Integrated Services
Upheld People-Centric Finance and Enhanced Group-wide Integrated Services Accelerated the transition from a product-driven approach to a client-centric mindset Advanced commercial banking and Advanced corporate and retail Advanced domestic and foreign Advanced Group-wide Explored "ecosystems + indus
Slide 10: Strengthened Risk and Compliance Management to Safeguard Development Baselines
Adopted a Systematic Approach and Strengthened Risk and Compliance Management to Safeguard Development Baselines Solid foundation for Maintained proactive and effective comprehensive risk management asset quality management • Improved the "Three Lines of Defence" risk • Mitigated risks in key areas
Slide 11: Strengthened Development Foundations and Upgraded Operational and Management Systems
Strengthened Development Foundations and Continued Upgrade Operational and Management Systems Promoted integrated development of operation, data and technology • Transformation from a centralised core business system to a distributed model has been completed • CCB's cloud computing scale increased b
Slide 12: Operational Achievements Recognised by the Society
Operational Achievements Recognised by the Society The Asian Banker (Singapore) The Banker (UK) Forbes (US) Ranked 2nd in the "Top 1000 Best Large-Scale Retail Bank in China Ranked 7th in Forbes World Banks" Best SME Bank in China Global 2000 list Fortune (US) MSCI (US) Global Finance (US) Ranked 31
Slide 13: Contents
Financial Performance Contents High-Quality Development Future Outlook
Slide 14: Advance Transformation and Upgrading in Step with the 15th Five-Year Plan
Advance Transformation and Upgrading in Step with the 15th Five-Year Plan Consolidate and expand traditional strengths and tap into the potential for high-quality development Business layout Financing method Customer structure Room for development Service model 14
Slide 15: Committed to Serving National Strategies
Committed to Serving National Strategies Advance the development of the Strengthen supporting services "Five Priorities" of finance for key projects Continuously improve the professionalism, Focus on investment areas such as ultra-long-term comprehensiveness scope and integration of special governme
Slide 16: Committed to Advancing High-Quality Development
Committed to Advancing High-Quality Development Cost management Intermediary business Liability business Maintain alignment Maintain between cost category-specific reduction and Asset business policies across efficiency “Intelligence, enhancement Maintain dynamic technology, equity Customer alignmen
Slide 17: Committed to Upgrading the Integrated Service Model
Committed to Upgrading the Integrated Service Model Commercial and Domestic and foreign Corporate and retail Group-wide Integration investment currency integration banking integration banking integration Cross-institution Cross-sector Cross-market Upgrade and refine the service model across Deliver
Slide 18: Committed to Safeguarding the Bottom Line of Risk Control
Committed to Safeguarding the Bottom Line of Risk Control Prudently advance risk prevention Continue to deepen the consumer and resolution in key areas protection system • Further promote the intensive • Promote the deep integration of operation of inclusive finance consumer protection across the an
China Construction Bank — FY2025 Earnings Presentation on 6ix