China Construction Bank Corporation Class H (HK:0939)
:0939
Earnings Data
Report Date
Apr 30, 2026TBA (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
―Last Year’s EPS
0.38Same Quarter Last Year
Moderate Buy
Based on 2 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call emphasized steady, market-leading franchise metrics: asset and loan growth, healthy asset quality, strong capital ratios, large digital and custody franchises, active strategic deployment across technology, green finance and inclusive finance, and continued shareholder returns. Key challenges include modest net profit growth, ongoing NIM pressure, industry fee-cutting headwinds, and some inconsistencies in reported figures. On balance the company presented multiple operational and strategic positives that outweigh the headwinds, while acknowledging areas of vigilance (margins, retail credit, fee pressure).Company Guidance
Net Profit and Operating Income Growth
Net profit of CNY 339 billion, up 1.04% YoY; operating income up 1.69% YoY; profit before provisions up 1.7% YoY — indicates positive but modest top-line and bottom-line expansion.
Asset and Loan Growth
Total assets reported up ~12% to CNY 45.63 trillion (transcript contains another reference to CNY 54 trillion); gross loans to customers increased 7.47% to CNY 27.77 trillion; liabilities up 12% and deposits up ~7% — continued balance-sheet expansion and loan growth above industry average.
Key Franchise Metrics and Capital Strength
NIM 1.34%; ROA 0.79%; ROE 10.04%; capital adequacy ratio 19.69%; cost-to-income ratio 29.44% — all described as market-leading metrics and showing a solid capital and efficiency position.
Asset Quality and Provisions
NPL ratio at 1.31% (down 0.03 percentage points YoY) with provision coverage ratio of 233.15% (stable YoY) — continued low reported credit stress and strong coverage.
Dividend and Shareholder Returns
Total dividends dispatched CNY 106 billion; interim dividend RMB 1.858 per 10 shares and final dividend RMB 2 per 10 shares — continued steady cash returns to shareholders.
Growth in Strategic Business Areas (Five Priorities)
Technology finance loans > CNY 5 trillion; underwriting of sci-tech innovation bonds CNY 72 billion; green finance issuance CNY 6 trillion (up 20.54% YoY); inclusive finance reached 3.69 million loan customers; pension AUM +15% — strong execution on strategic lending and new-growth priorities.
Strong Retail and Consumer Lending Momentum
Personal consumption loans grew 29.41% YoY to CNY 6.72 trillion; loan exposure to private economy up 12%; domestic mortgage/retail segments reported leadership vs peers — robust consumer finance growth and penetration.
Digital, Client Base and Custody Expansion
Mobile banking and CCB lifestyle app users reached 546 million; total customers ~785 million with personal CTS customers >100 million; assets under custody CNY 27 trillion — material digital reach and custody franchise scale.
Subsidiaries and International Performance
Overseas institutions recorded net profit of CNY 12 billion; integrated operations subsidiaries net profit CNY 9.45 billion, up 31% and 7% YoY respectively — improved contribution from overseas and non-bank subsidiaries.
Technology and AI Deployment
Cloud computing scale +12%; large-scale modeling applied to 398 internal scenarios; AI-driven question response rate cited at 99.42%; numerous AI applications across channels, operations and risk control — significant tech investment and digital automation progress.
HK:0939 Earnings History
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 |
|---|---|---|---|
Mar 27, 2026 | HK$8.01 | HK$8.09 | +1.00% |
Oct 30, 2025 | HK$7.70 | HK$7.66 | -0.51% |
Aug 29, 2025 | HK$7.34 | HK$7.32 | -0.27% |
Apr 30, 2025 | HK$6.40 | HK$6.22 | -2.87% |
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 Apr 30, 2026, 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 Apr 30, 2026, TBA (Confirmed).
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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?
Currently, no data Available