China Construction Bank Corp
SSE:601939

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China Construction Bank Corp
SSE:601939
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Price: 9.31 CNY -0.85% Market Closed
Market Cap: 2.4T CNY

China Construction Bank Corp
Investor Relations

Once upon a time in the dynamic landscape of China's economic ascension, China Construction Bank Corp. (CCB) began its transformative journey as a pivotal player in the financial sector. Established in 1954, CCB originally served as a conduit for financing large-scale national infrastructure projects, contributing significantly to the country's modernization and urbanization process. Over the years, CCB has evolved into one of the world's largest banks, both in terms of market capitalization and total assets, with a sprawling network of branches not only in China but also across major international financial hubs. The bank’s core operations focus on a diverse array of services including personal banking, corporate banking, and treasury operations, seamlessly blending traditional banking with innovative financial solutions.

The success of China Construction Bank lies in its strategic approach to balancing traditional banking services with modern, digital innovations—a true reflection of China's broader economic transformation. The bank generates revenue through a robust mix of interest income, derived principally from its extensive lending services to individuals, enterprises, and government-linked projects, and non-interest income from fees generated via wealth management, foreign exchange services, and asset management. By maintaining a strong lending portfolio which includes everything from personal loans to mortgages and business financing, CCB capitalizes on China's burgeoning middle class and the country's relentless pursuit of infrastructural and economic development. Furthermore, its strategic investments in technology facilitate the seamless operation of internet banking and mobile applications, ensuring CCB stays at the forefront of China's rapidly digitizing financial landscape. The ability to adapt and innovate allows China Construction Bank not only to endure but thrive in the agile world of modern finance.

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601939
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Last Earnings Call
Fiscal Period
Q2 2025
Call Date
Aug 29, 2025
AI Summary
Q2 2025

Strong Income Growth: Operating income reached CNY 385 billion, up 2.95%, and net profit before provisions was CNY 290 billion, up 3.37%.

Loan Expansion: Gross customer loans increased by 6.2% to CNY 27.4 trillion, with particularly strong growth in technology, green, and infrastructure sectors.

Asset Quality: NPL ratio improved slightly to 1.33%, with coverage ratio rising to 239.4%, signaling strong risk control.

Deposit Leadership: Deposits rose by CNY 1.76 trillion to CNY 30.47 trillion, and demand deposit share remains industry-leading.

NIM Pressure Managed: Net interest margin held at 1.4%, narrowing its decline versus Q1 and staying ahead of peers despite industry-wide rate pressures.

Noninterest Income: Noninterest income surged 25.9% to CNY 99.2 billion, now 25.7% of operating income, driven by wealth management and investment banking.

Fee Income: Net fee and commission income reached CNY 65.2 billion, up 4%, with broad gains in core business lines.

Digital & Tech Focus: Digital finance saw significant user and loan growth, with over 243 million monthly app users and strong advances in tech and fintech solutions.

Key Financials
Operating Income
CNY 385 billion
Net Profit Before Provisions
CNY 290 billion
Net Fee and Commission Income
CNY 65.2 billion
Gross Customer Loans
CNY 27.4 trillion
Financial Investments
CNY 11.77 trillion
Core Liabilities
CNY 30.47 trillion
Net Interest Margin
1.4%
Return on Assets
0.77%
Return on Equity
10.08%
Capital Adequacy Ratio
19.51%
Cost-to-Income Ratio
23.72%
Non-Performing Loan Ratio
1.33%
Provision Coverage Ratio
239.4%
Noninterest Income
CNY 99.2 billion
Demand Deposits (Share)
43%
Loans to Technology-related Industries
CNY 5.15 trillion
Balance of Green Finance
CNY 5.72 trillion
Inclusive Loans to SMEs
CNY 3.74 trillion
MAU of Digital App (Binary Stars)
243 million
Loans to Digital Economy Core Industries
CNY 852.4 billion
Corporate Customers
12.26 million
Personal Customers
777 million
Personal Consumption Loans
CNY 614.2 billion
Credit Card Loans
CNY 1 trillion
Personal Housing Loan Balance
CNY 6 trillion
Outstanding Real Estate Loan Balance
CNY 6.15 trillion
Secondhand Housing Loans (Newly Added)
CNY 43.6 billion
Mortgage Loan Rate (Q2)
3.08%
Other Earnings Calls
2025
2024
2022
2020

Management

Mr. Liurong Sheng
Chief Financial Officer

Mr. Liurong Sheng is a notable executive associated with China Construction Bank Corporation (CCB), which is one of the largest and most prestigious banking institutions in the world. He has held significant positions within the bank, contributing to its growth and reputation in the financial sector. Mr. Sheng has been instrumental in driving the bank's strategic initiatives, particularly in areas related to corporate banking and financial management. His leadership has been crucial in steering CCB towards modernizing its operations, embracing digital advancements, and expanding its influence both domestically and internationally. Under his guidance, the bank has focused on enhancing its customer service and diversifying its financial products to meet the dynamic needs of the market. With a keen focus on corporate governance and risk management, Mr. Sheng has played a pivotal role in maintaining the bank's stability and fostering investor trust. His extensive experience in the banking industry, coupled with his strategic vision, has been a vital asset to China Construction Bank as it continues to navigate the complexities of the global financial environment.

Mr. Panshi Jin
Chief Information Officer

Panshi Jin is known for being a key executive at China Construction Bank Corporation (CCB), one of China’s largest and most prestigious banks. While detailed personal biography information on Panshi Jin may not be extensively available, leaders at CCB typically have a strong background in finance, economics, or banking, and they often boast extensive experience within the banking sector or related areas. China Construction Bank is one of the "Big Four" banks in China, and it plays a crucial role in the economic landscape of the nation. The bank offers a comprehensive range of financial services, including corporate banking, personal banking, and treasury operations. As an executive, Panshi Jin would be involved in overseeing various operational and strategic aspects of the bank, contributing to its growth and stability. Executives at CCB are usually involved in shaping the bank’s policy directions, ensuring regulatory compliance, and spearheading innovation in banking services. They are integral in fostering the bank's relationships nationally and internationally, promoting sustainable growth, and enhancing service offerings in an increasingly digitalized financial ecosystem. If more specific information about Panshi Jin is needed, it may require accessing more detailed corporate or industry reports, official press releases from CCB, or similar authoritative financial publications.

Mr. Zhihong Ji
Executive VP & Executive Director

Mr. Zhihong Ji is an accomplished executive associated with China Construction Bank Corporation (CCB), one of China's leading and most significant financial institutions. He has held a prominent role within the bank, contributing to its strategic and operational growth. Typically, executives in such roles are involved in overseeing key banking operations, developing financial strategies, managing risk, and ensuring compliance with regulatory standards. His work would likely focus on driving CCB's business development, enhancing financial services, and strengthening customer relationships. His leadership is vital for maintaining the bank's reputation and competitive position within the global banking industry.

Mr. Yun Li
Executive Vice President

Yun Li is a prominent executive associated with the China Construction Bank Corporation (CCB), one of the "Big Four" banks in China. At CCB, he has held significant roles contributing to the bank's strategic initiatives and operations. His experience in the financial sector encompasses various leadership positions where he focused on areas such as risk management, corporate governance, and business development. Under his leadership, efforts have been made to enhance the bank's services, focusing on digital transformation and international expansion. His expertise in the banking industry has been integral to the bank's efforts to remain a leading financial institution globally.

Mr. Yi Zhang
President & Vice Chairman

Yi Zhang is an accomplished executive known for his significant contributions to China Construction Bank Corporation (CCB), where he holds a key leadership position. His expertise in finance and banking has been instrumental in driving the bank's strategic initiatives and business growth. Under his leadership, CCB has seen enhancements in digital banking services, risk management, and global market expansion. Throughout his tenure, Yi Zhang has been focused on promoting innovation and sustainable development, aligning with the bank's mission to provide comprehensive financial services. His visionary approach has helped in the implementation of technological advancements and has fostered partnerships that enhance CCB's domestic and international influence. Yi Zhang’s leadership is characterized by a strong emphasis on customer satisfaction, operational efficiency, and corporate governance. His efforts have been pivotal in maintaining CCB's reputation as one of the leading banking institutions in China and the world.

Mr. Fanggen Liu
GM of Financial Accounting Department & Director

Fanggen Liu is a notable figure in the financial industry, particularly within the China Construction Bank Corporation (CCB). As an experienced executive, Liu holds the position of Executive Vice President at CCB. His responsibilities include overseeing key strategic initiatives and managing significant operations within the bank. With years of experience in banking and finance, Liu has contributed to CCB’s growth and its positioning as one of the top banking institutions in China and globally. Liu brings a wealth of expertise in corporate governance, risk management, and financial strategy. Under his leadership, CCB has continued to expand its influence in international markets while maintaining a strong domestic presence. His role often involves navigating the challenges of the financial sector, implementing innovative banking solutions, and enhancing the bank's service offerings to meet diverse customer needs.

Mr. Walter Brandstaetter
Chief Operating Officer of Zurich Branch

Walter Brandstaetter serves as the Executive Vice President at China Construction Bank Corporation in Asia. Renowned for his extensive expertise in financial services and banking, Brandstaetter has played a vital role in the corporation’s strategic growth and operations across the region. His leadership is characterized by a strong focus on innovation, risk management, and sustainable financial practices, which have significantly contributed to the bank's standing as one of the leading financial institutions globally. His background includes a wealth of experience in international banking, drawing on years of experience in senior roles within the industry.

Weiyun Gong
Head of Switzerland

Weiyun Gong serves as an executive with China Construction Bank Corporation (CCB), one of China's leading banks. He holds the position of Executive Vice President, responsible for overseeing key operations within the bank. At CCB, Weiyun Gong has been instrumental in implementing strategic initiatives that aim to enhance the bank's efficiency and global competitiveness. His roles often include managing risk, ensuring regulatory compliance, and driving digital transformation efforts to adapt to changing financial landscapes. Under his leadership, China Construction Bank has continued to expand its influence both domestically and internationally, with a focus on integrating advanced technologies and innovative banking solutions. His efforts contribute to maintaining CCB's status as a major player in the global banking industry. Gong’s extensive experience in banking and finance, combined with his leadership skills, has positioned him as a significant figure in advancing the bank’s strategic and operational goals. His contributions are crucial in navigating the complexities of the modern banking environment.

Mr. Jianjiang Li
Executive VP & Chief Risk Officer

Li Jianjiang is a notable figure in the banking sector, particularly known for his association with China Construction Bank Corporation (CCB), one of the largest banks in China. He has held key leadership roles within the organization, contributing significantly to its strategic development and operational efficiency. His expertise in financial management and corporate governance has been instrumental in navigating the bank through various economic phases. Li Jianjiang has played a crucial role in enhancing CCB's domestic and international presence, focusing on innovation, risk management, and sustainable growth. His leadership is marked by a commitment to integrating advanced technologies to improve banking services and customer experience, aligning with global financial trends and regulatory standards.

Mr. Jicheng Qiu
Joint Company Secretary

Jicheng Qiu serves as an executive at China Construction Bank Corporation (CCB), one of the largest and most prominent banks in China. His role within the organization involves significant responsibilities, including strategic decision-making and overseeing various banking operations. CCB is known for its extensive network and comprehensive financial services, and executives like Jicheng Qiu play a crucial part in maintaining and expanding the bank's robust position in both domestic and international markets. With a keen focus on innovation and customer service, Qiu contributes to steering the bank toward sustainable growth and enhanced shareholder value. His leadership and expertise help navigate the complex financial landscape, ensuring the bank's continued success and adherence to regulatory standards.

Contacts

Address
BEIJING
Beijing
No. 25, Financial Avenue, Xicheng District
Contacts
+861066215533.0
www.ccb.com