CCB third-quarter net interest income rises 13.17%

The Tip Desk · November 1, 2026 · 2 min read

Net interest income was RMB159,448 million in the three months to 30 September 2026, with the nine-month net interest margin unchanged at 1.36%.

China Construction Bank (CCB) reported net interest income of RMB159,448 million for the three months ended 30 September 2026, up 13.17% from RMB140,897 million in the same quarter a year earlier. The nine-month net interest margin was 1.36%, flat with the same period last year.

For the nine months ended 30 September 2026, operating income was RMB623,558 million, up 11.29% year-on-year, and net profit attributable to equity shareholders of the Bank was RMB274,226 million, up 6.55%. Profit before tax for the nine months was RMB324,217 million. Basic and diluted earnings per share were RMB1.03 for the nine months. Annualised return on average equity was 10.06% for the nine months.

Gross loans and advances to customers were RMB29.55 trillion at 30 September 2026, up 6.41% from year-end 2025. Corporate loans and advances were RMB17.69 trillion, up 7.41%. Personal loans and advances were RMB9.13 trillion, down 0.30%. Discounted bills were RMB2.67 trillion, up 27.51%.

Deposits from customers were RMB31.91 trillion, up 3.47% from year-end 2025. Time deposits were RMB18.79 trillion, up 6.88%. Demand deposits were RMB12.76 trillion, down 0.35%. Corporate deposits were RMB12.32 trillion, up 1.40%. Personal deposits were RMB19.23 trillion, up 5.46%.

Net non-interest income for the nine months was RMB153,152 million, up 15.43% year-on-year, mainly due to higher gains on bond and equity investments. Net fee and commission income was RMB84,412 million. Net trading gain was RMB5,327 million. Net gain arising from investment securities was RMB33,186 million.

Operating expenses for the nine months were RMB152,879 million. The cost-to-income ratio was 23.50%, down 2.03 percentage points from the same period last year. Credit impairment losses were RMB148,319 million, up 21.81% year-on-year.

Non-performing loans were RMB379,008 million at 30 September 2026. The non-performing loan ratio was 1.29%, down 0.02 percentage points from year-end 2025. The ratio of allowances to non-performing loans was 233.21%. The ratio of allowances to total loans was 3.00%.

The Common Equity Tier 1 ratio was 14.39% at 30 September 2026. The total capital ratio was 19.55%, the Tier 1 ratio 15.44%, and the leverage ratio 7.69%. The liquidity coverage ratio for the third quarter of 2026 was 140.20%.

The Board approved a plan to distribute an interim cash dividend of RMB2.010 per ten shares for 2026, totalling RMB52,582 million, subject to approval at the second extraordinary shareholders’ meeting. It also planned preference-share dividends of RMB2,142 million at a 3.57% nominal rate.