China Construction Bank Corporation Class A · SSE:601939
China Construction Bank Corporation Class A — H1 2025 Earnings Presentation
17 slides from China Construction Bank Corporation Class A's earnings presentation, Aug 29, 2025
Slide 1: Driving Robust Growth through Substantial Improvements in Quality
Driving Robust Growth through Substantial Improvements in Quality Steadily Advancing High-Quality Development 2025 Interim Results Announcement China Construction Bank August 2025 | 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
Contents Financial Performance High-Quality Risk Outlook and Development Management Strategies
Slide 4: Business Development achieved sound performance
Business Development achieved sound performance （RMB 100 million） 30/6/2025 31/12/2024 Change Total assets 444,328 405,711 9.52% Total liabilities 408,480 372,272 9.73% Total capital ratio 19.51% 19.69% -0.18ppt Non-performing loan (NPL) ratio 1.33% 1.34% -0.01ppt Allowances to NPLs 239.40% 233.60%
Slide 5: Three Stabilities in Assets, Liabilities and Key Indicators
"Three Stabilities" in Assets, Liabilities and Key Indicators Core assets growth remained steady Core liabilities growth remained steady RMB trillion RMB trillion 6.20% 6.11% 28.71 30.47 27.44 25.84 10.17% 11.77 10.68 Gross loans to customers Financial investments Deposits from customers 2024-12-31
Slide 6: Three Optimisations in Assets, Liabilities and Income Structure
"Three Optimisations“ in Assets, Liabilities and Income Structure Optimised asset structure Optimised liability structure Optimised income structure 11.74% 8.80% 16.90% 43.19% 56.81% 88.26% 74.30% Net fee and commission income Loans and financial investments Other assets Domestic demand deposits Dom
Slide 7: Three Controls of Operations, Risks, and Capital Costs
"Three Controls" of Operations, Risks, and Capital Costs Comprehensively strengthened risk control Further deepened cost control Steady progress in the establishment of the digital and intelligent risk control systems Non-performing loan ratio was 1.33%, a decrease Optimised operating expense alloca
Slide 8: Contents
Contents High-Quality Financial Development Risk Outlook and Performance Management Strategies
Slide 9: Strengthened High-quality Financial Services to Support the Five Priorities
Strengthened High-quality Financial Services to Support the Effective Implementation of the "Five Priorities" Technology Green Finance Finance Promoted the establishment of a "five-dimensional" integrated service system, enhancing alignment across customer service, business processes, product channe
Slide 10: Upheld the Core Mission of Financial Services and Supported National Development
Upheld the Core Mission of Financial Services and Supported National Development with Balanced Focus on Scale and Quality Continued efforts to Injected financial momentum into support the real economy expanding domestic demand and • Steady growth in loan balances for key infrastructure- promoting co
Slide 11: Maintained a Customer-Centric Approach, with Ongoing Improvements in Customer Service
Maintained a Customer-Centric Approach, with Ongoing Improvements in Customer Service Quality and Efficiency Enhanced institutional operations Focused on customers' financial service Continued to strengthen and deepened customer service needs customer base through delicacy management Explored "ecosy
Slide 12: Contents
Contents Risk Financial High-Quality Management Outlook and Performance Development Strategies
Slide 13: Coordinated Development and Security, Ensured Robust and Prudent Risk Management
Coordinated Development and Security, Ensured Robust and Prudent Risk Management Continuously improved the internal risk Continuously improved compliance Focused on risks in key areas control systems and mechanisms management • Strengthened risk control in a coordinated • Improved credit risk manage
Slide 14: 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 World Best Large-Scale Retail Bank in China Ranked 7th in Forbes Banks" for 12th consecutive year Best SME Bank in China Global 2000 list Fortune (US) MSCI (US) Glo
Slide 15: Contents
Contents Outlook and Financial High-Quality Risk Strategies Performance Development Management
Slide 16: Opportunities and Challenges
Opportunities and Challenges Opportunities Challenges • China's economy maintains steady • Increasingly complex and challenging progress with continued improvement external environment • Major economic indicators have • Weakening global economic growth performed well momentum and increasing trade ba
Slide 17: Moving Forward
Moving Forward Focus on key areas and weaknesses in socio- Adhere to high-quality development with a Stick to bottom-line thinking and economic development, providing suitable focus on substance, further optimise consolidate the framework of financial services for the real economy business strategie
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