Chinese commercial bank providing corporate and retail lending, deposits, treasury and financial services in China and international markets.
Profile & Fundamentals
China Construction Bank: Company identity, ownership, reported financial performance, balance sheets, and corporate actions.
Profile & Fundamentals
China Construction Bank Profile & Fundamentals
Examine company identity, ownership, reported performance, valuation, balance-sheet resilience, dividends, buybacks, and material corporate events.
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Company and Market Context
Company Profile & Ownership
China Construction Bank Corporation engages in the provision of various banking and related financial services to individuals and corporate customers in the People's Republic of China and internationally. It operates through Corporate Finance Business, Personal Finance Business, Treasury and Asset Management Business, and Others segments. The company offers corporate and personal loans; trade financing; deposit taking and wealth management, agency, financial consulting and advisory, cash management, remittance and settlement, guarantee, and investment banking services to individuals, corporations, government agencies, and financial institutions. It is also involved in inter-bank deposit and placement transactions, repurchase and resale transactions, and invests in debt securities; trades in derivatives and foreign currencies; precious metal trading; and custody services. In addition, the company provides finance leasing, transfer and purchase of finance lease assets, and fixed-income investment; motor vehicle, business and household property, construction and engineering, liability insurance, hull and cargo, and short-term health and accidental injury insurance, as well as reinsurance; and cost consulting, whole-process engineering consulting, project management, investment consulting, and bidding agency services; and debt-to-equity swaps and relevant supporting businesses. Further, it engages in private equity investment and management of development funds and other private equity funds; investment banking related services, such as sponsoring and underwriting of public offerings, corporate merger and acquisition and restructuring, direct investment, asset management, and securities brokerage and market research; house rental business; raising and selling of funds; management of annuity and pension funds; and pension advisory service. China Construction Bank Corporation was founded in 1954 and is headquartered in Beijing, the People's Republic of China.
Company profile record
China Construction Bank Corp
Common Stock · Financials · Diversified Banks
Company
- Company / asset
- China Construction Bank Corp
- Security type
- Common Stock
- Sector
- Financials
- Industry
- Diversified Banks
- HQ
- 🇨🇳 China
- Head office
- No. 25, Financial Street, Beijing, China, 100033
Leadership & scale
- Full-time employees
- 373.4K
- Fiscal year end
- December
- IPO date
- 2007-09-25
Fundamentals snapshot
- Market Cap
- HKD 2.52T
- P/E
- 6.5x
- Revenue (Q2 26)
- CNY 356.4B
- Profit (Q2 26)
- CNY 82.9B
- Dividend Yield
- 4.5%
- Revenue (FY 25)
- CNY 1.33T
- Shares in public float
- 103B
- Insider ownership
- 63.25%
Reporting & identifiers
- Symbol
- 0939.HKEX
- Listing
- 🇭🇰 Hong Kong | Dividend Tax: 0%
- Ticker Currency
- HKD
- Income Statement Currency
- CNY
- Balance Sheet Currency
- CNY
- Cash Flow Currency
- CNY
- EPS Currency
- CNY
- Contract Type
- SPOT
- ISIN
- CNE1000002H1
- Asset ID
- equity_e7d1f0c8-02f5-515f-b2d3-75b449916729
Ownership
Shares Outstanding
Latest: 261.6B | Max: 261.6B | Min: 248.4B
Latest reported ownership snapshot
As of Oct 1, 2026Float Shares
39.36%
103.0B latest reported shares
Insider Ownership
63.25%
Latest reported insider stake
Short Float
--
Latest reported short interest / float
Source tablesView ownership tables
Shares Outstanding
Annual reported shares outstanding; up to 10 reporting dates.
Scroll the table to see every column.
| Reporting date | Shares outstanding |
|---|---|
| 2017-01-01 | 251,612,000,000 |
| 2018-01-01 | 248,448,148,100 |
| 2019-01-01 | 250,010,977,500 |
| 2020-01-01 | 252,614,814,800 |
| 2021-01-01 | 250,010,977,500 |
| 2022-01-01 | 250,010,977,500 |
| 2023-01-01 | 250,010,977,500 |
| 2024-01-01 | 261,285,714,300 |
| 2025-01-01 | 250,010,977,000 |
| 2026-01-01 | 261,600,381,000 |
Top Holders
Available reported ownership records.
No reported records are available in this preview.
Earnings, Profitability & Valuation
Earnings, Profitability & Valuation
Earnings & Revenue
Earnings and Revenue Trajectory
AI Review
First-half 2026 results demonstrated nominal resilience, with operating revenue rising over ten percent to RMB 426 billion and net profit reaching RMB 171 billion. This improvement was driven by an eight percent recovery in net interest income as funding costs dropped, rather than a boom in lending activity. However, headline stability conceals underlying revenue fatigue. Core wealth management and transaction fees contracted slightly, revealing cautious consumer behavior. Top-line gains relied heavily on administrative deposit savings and treasury investment gains, meaning future earnings growth will track disciplined balance-sheet management rather than aggressive commercial expansion.
First-half 2026 results demonstrated nominal resilience, with operating revenue rising over ten percent to RMB 426 billion and net profit reaching RMB 171 billion. This improvement was driven by an eight percent recovery in net interest income as funding costs dropped, rather than a boom in lending activity. However, headline stability conceals underlying revenue fatigue. Core wealth management and transaction fees contracted slightly, revealing cautious consumer behavior. Top-line gains relied heavily on administrative deposit savings and treasury investment gains, meaning future earnings growth will track disciplined balance-sheet management rather than aggressive commercial expansion.
Revenue, Net Income, and Free Cash Flow
Latest: CNY 1.33T | Max: CNY 1.33T | Min: CNY -51.2B
Valuation
P/E Ratio (TTM)iPublished valuation snapshots use the earnings basis recorded with each observation. Source tables retain that basis.
Latest: 5x
Profitability & Margins
Margins and Operating Efficiency
AI Review
Net interest margin stabilized at 1.37% in first-half 2026, ending a multi-year slide. This recovery occurred because coordinated central bank benchmark cuts lowered deposit expenses by 30 basis points, outpacing the decline in lending yields. Tight operational discipline preserved a healthy twenty-five percent net profit margin. Despite this cyclical reprieve, structural profitability remains constrained. Return on equity has halved over the past decade, settling near 9.5% as legacy mortgages reprice and loan growth shifts toward low-yielding government paper. The margin trough has likely passed, but policy service requirements permanently cap profitability below historical peaks.
Net interest margin stabilized at 1.37% in first-half 2026, ending a multi-year slide. This recovery occurred because coordinated central bank benchmark cuts lowered deposit expenses by 30 basis points, outpacing the decline in lending yields. Tight operational discipline preserved a healthy twenty-five percent net profit margin. Despite this cyclical reprieve, structural profitability remains constrained. Return on equity has halved over the past decade, settling near 9.5% as legacy mortgages reprice and loan growth shifts toward low-yielding government paper. The margin trough has likely passed, but policy service requirements permanently cap profitability below historical peaks.
Profitability Margins
Latest: 46.5% | Max: >100.0% | Min: 24.9%
Latest Profitability Ratios as of 2025-12-31
Gross Margin
46.5%
Gross profit / revenue
Operating Margin
28.0%
Operating income / revenue
Net Margin
24.9%
Net income / revenue
FCF Margin
-3.9%
Free cash flow / revenue
Source tablesView earnings, profitability & valuation tables
Revenue, Net Income, and Free Cash Flow
Annual reported results, using the source statement's recorded USD conversion. Up to 10 reporting periods; missing values are not estimated.
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| Period end | Revenue (USD) | Net income (USD) | Free cash flow (USD) |
|---|---|---|---|
| 2016-12-31 | 87,053,381,294.96 | 33,303,597,122.3 | 122,991,366,906.47 |
| 2017-12-31 | 95,468,202,764.98 | 37,214,132,104.45 | 8,729,185,867.9 |
| 2018-12-31 | 95,748,691,860.47 | 37,013,808,139.53 | 86,489,534,883.72 |
| 2019-12-31 | 101,347,701,149.43 | 38,323,706,896.55 | 80,180,028,735.63 |
| 2020-12-31 | 115,614,548,238.9 | 41,508,422,664.62 | 84,983,460,949.46 |
| 2021-12-31 | 129,346,383,647.8 | 47,564,937,106.92 | 65,327,515,723.27 |
| 2022-12-31 | 119,025,942,028.99 | 47,061,884,057.97 | 138,357,681,159.42 |
| 2023-12-31 | 87,653,943,661.97 | 46,852,535,211.27 | 87,008,028,169.01 |
| 2024-12-31 | 78,232,947,232.95 | 43,188,803,088.8 | 39,749,163,449.16 |
| 2025-12-31 | 189,701,780,400.57 | 47,229,576,108.73 | -7,319,688,268.96 |
Published P/E Ratio
Published valuation snapshots retain each observation's earnings basis.
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| Period end | P/E (times earnings) | Earnings basis |
|---|---|---|
| 2025-12-31 | 5.31 | Trailing four quarters |
| 2024-12-31 | 4.98 | Trailing four quarters |
| 2023-12-31 | 3.24 | Trailing four quarters |
| 2022-12-31 | 3.33 | Annual net income |
| 2021-12-31 | 3.64 | Annual net income |
Profitability Margins
Matching annual reporting dates. Values are percentages.
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| Period end | Gross margin (%) | Operating margin (%) | Net margin (%) | Free cash flow margin (%) |
|---|---|---|---|---|
| 2016-12-31 | 100 | 94.73 | 38.26 | 141.28 |
| 2017-12-31 | 100 | 95.92 | 38.98 | 9.14 |
| 2018-12-31 | 100 | 95.93 | 38.66 | 90.33 |
| 2019-12-31 | 100 | 45.95 | 37.81 | 79.11 |
| 2020-12-31 | 100 | 44.25 | 35.9 | 73.51 |
| 2021-12-31 | 100 | 45.83 | 36.77 | 50.51 |
| 2022-12-31 | 100 | 110.83 | 39.54 | 116.24 |
| 2023-12-31 | 226.24 | 66.55 | 53.45 | 99.26 |
| 2024-12-31 | 123.31 | 65.1 | 55.21 | 50.81 |
| 2025-12-31 | 46.47 | 27.96 | 24.9 | -3.86 |
Public data excerpt created by iPulse AI and published by Future Edge Group FZE. Source: eodhd. Snapshot retrieved 2026-09-06.
Use is subject to the iPulse AI Terms of Service and applicable source rights. Missing inputs are not estimated. Full access includes the remaining records, research and interactive tools.
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