The earnings call presented a generally positive outlook for China Construction Bank, with significant growth in key financial metrics, green finance, and digital finance segments. Although there are challenges in managing net interest margins and the real estate market, the overall performance and strategic initiatives provide a positive sentiment.

Company Guidance

In the 2025 interim results call of China Construction Bank (CCB), the management reported solid financial performance, highlighted by key metrics such as a 2.95% increase in operating income to CNY 385 billion and a 4% rise in net fee and commission income to CNY 65 billion. The bank's net profit provisions reached CNY 290 billion, up by 3.37%. Core assets saw steady growth, with gross loans to customers increasing by 6.2% to CNY 27.4 trillion and financial investments rising by 10% to CNY 11.77 trillion. Core liabilities also grew by 6% to CNY 30.47 trillion. Notably, the bank maintained strong industry-leading indicators, including a net interest margin (NIM) of 1.4%, a return on assets (ROA) of 0.77%, and a return on equity (ROE) of 10.08%. The capital adequacy ratio (CAR) stood at 19.51%, with a non-performing loan (NPL) ratio of 1.33%, showing a 1 basis point decrease from 2024. Additionally, CCB emphasized its strategic focus on technology and green finance, with loans to technology-related industries growing by 16% to CNY 5.15 trillion and the balance of green finance reaching CNY 5.72 trillion, reflecting a 14.88% increase. The bank also reported a 13.44% growth in loans to core digital economy industries, amounting to CNY 852.4 billion. The management expressed confidence in maintaining stable profit growth and industry-leading performance through continued optimization of asset-liability structure and risk management.

Steady Growth in Core Metrics

Operating income increased by 2.95% to CNY 385 billion, net fee and commission income rose by 4% to CNY 65 billion, and net profit provisions reached CNY 290 billion, marking a 3.37% growth.

Strong Loan Portfolio Growth

Gross loans to customers increased by 6.2% to CNY 27.4 trillion, and financial investments rose by 10% to CNY 11.77 trillion.

Green and Sustainable Finance Expansion

Green finance balance increased by 14.88% to CNY 5.72 trillion, and CCB underwrote green and sustainable development bonds worth CNY 235.6 billion.

Significant Inclusive Finance Growth

Balance of inclusive loans to SMEs increased by 9.8% to CNY 3.74 trillion, and CCB's pension management AUM grew by 53.96% to CNY 654 billion.

Digital Finance Advancements

MAU of the Binary Stars platform grew by 14.4% to CNY 243 million, with loans to core industries of the digital economy rising by 13.44% to CNY 852.4 billion.

Record-Breaking Government Bond Subscriptions

Subscription volumes for government and local government bonds reached a record high.

China Construction Bank (HK:0939) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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HK:0939 Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 24, 2025	2025 (Q3)	0.37 / -	0.35	―	―	―
Aug 29, 2025	2025 (Q2)	0.34 / 0.34	0.339	1.61% (<+0.01)
Apr 30, 2025	2025 (Q1)	0.39 / 0.36	0.383	-5.71% (-0.02)	―	―
Mar 28, 2025	2024 (Q4)	0.34 / 0.35	0.339	3.23% (+0.01)
Oct 30, 2024	2024 (Q3)	0.37 / 0.35	0.383	-8.57% (-0.03)	―
Aug 30, 2024	2024 (Q2)	0.35 / 0.34	0.339	0.00% (0.00)
Apr 29, 2024	2024 (Q1)	0.39 / 0.38	0.383	0.00% (0.00)	―	―
Mar 28, 2024	2023 (Q4)	0.33 / 0.34	0.339	0.00% (0.00)	―	―
Oct 26, 2023	2023 (Q3)	0.38 / 0.38	0.372	2.94% (+0.01)	―	―
Aug 23, 2023	2023 (Q2)	0.33 / 0.34	0.317	6.90% (+0.02)	―	―

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

HK:0939 Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Aug 29, 2025	HK$7.53	HK$7.51	-0.27%
Apr 30, 2025	HK$6.57	HK$6.38	-2.86%
Mar 28, 2025	HK$6.53	HK$6.48	-0.74%
Oct 30, 2024	HK$5.66	HK$5.58	-1.31%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does China Construction Bank Corporation Class H (HK:0939) report earnings?

China Construction Bank Corporation Class H (HK:0939) is schdueled to report earning on Oct 24, 2025, TBA (Confirmed).

What is China Construction Bank Corporation Class H (HK:0939) earnings time?

China Construction Bank Corporation Class H (HK:0939) earnings time is at Oct 24, 2025, TBA (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is the P/E ratio of China Construction Bank Corporation Class H stock?

The P/E ratio of China Construction Bank is N/A.

What is HK:0939 EPS forecast?

HK:0939 EPS forecast for the fiscal quarter 2025 (Q3) is 0.37.

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