Construction Bank's net loan issuance in 2025 is nearly 27 trillion yuan, a year-on-year increase of 7.53%.

People’s Daily, Beijing, March 28th (Reporter Du Yanfei) The operating performance for the year 2025 announced by China Construction Bank on the 27th shows that in 2025, the total amount of loans from China Construction Bank will steadily grow, with a net loan issuance of 26.93 trillion yuan, an increase of 1.89 trillion yuan from the previous year, a year-on-year growth of 7.53%; loans in key areas of the bank’s financial “five major articles” all achieved double-digit growth.

The annual report indicates that by the end of 2025, the balance of technology loans from China Construction Bank will reach 5.2 trillion yuan, an increase of 18.91% from the end of 2024; the balance of green loans will be 6 trillion yuan, a growth of 20.54% from the end of 2024; the balance of inclusive loans will be 3.83 trillion yuan, up 12.37% from the end of 2024; the year-on-year growth rates for loans in the elderly care industry and core digital economy sectors will reach 53.06% and 18.7%, respectively; the balance of personal housing loans will be 5.99 trillion yuan; the balance of personal consumption loans will be 683.17 billion yuan, an increase of 155.28 billion yuan from 2024, with a year-on-year growth of 29.41%.

Among them, in the area of financial technology, while the loan balance surpasses 5 trillion yuan, the annual report shows that in 2025, China Construction Bank underwrote 71.984 billion yuan in sci-tech bonds and established a total of 28 financial asset investment company (AIC) equity investment pilot funds.

“In 2025, we will deepen comprehensive services such as ‘equity-loan-bond-lease’ and insist on early, small, long-term, and hard technology investments, increasing equity financing support in the early stages of enterprise and technological innovation; we will comprehensively utilize diversified tools such as equity, leasing, and insurance to empower the integrated development of technological innovation and industrial innovation,” said Lei Ming, Vice President of China Construction Bank at the performance press conference. He stated that in evaluating the innovation capabilities of technology enterprises, they will establish a dedicated evaluation model and innovatively launch the fourth form, the “Technology Innovation Form,” to assist enterprises in achieving the creditization and digitalization of intellectual property, helping more promising technology companies and high-tech innovators obtain credit funds.

To further serve the real economy, the annual report shows that in 2025, China Construction Bank will release credit resources through multiple channels, with domestic corporate loans amounting to 15.69 trillion yuan, an increase of 8.7%. On the supply side, loans to the manufacturing sector increased by 15.83%, and loans to strategic emerging industries grew by 23.46%; on the demand side, financial services in key areas such as “two heavies” and “two news” were strengthened, with personal consumption loans increasing by 29.41%, loans to the private economy rising by 12.17%, and balances for personal housing loans and credit card loans being 5.99 trillion yuan and 1.01 trillion yuan, respectively; on the regional side, the proportion of loans in key regions such as Beijing-Tianjin-Hebei, the Yangtze River Delta, the Guangdong-Hong Kong-Macao Greater Bay Area, and Chengdu-Chongqing has increased, with county-level deposit and loan growth rates exceeding the bank’s average level.

While supporting the development of the real economy, the annual report shows that China Construction Bank has optimized its asset, liability, and income structure, achieving results in cost, risk, and capital management.

The annual report shows that in 2025, China Construction Bank’s total assets will reach 45.63 trillion yuan, a year-on-year increase of 12.47%; total liabilities will be 41.95 trillion yuan, a year-on-year increase of 12.68%; operating income will be 740.871 billion yuan, a year-on-year increase of 1.69%; net profit will be 339.790 billion yuan, a year-on-year increase of 1.04%; the capital adequacy ratio will be 19.69%, with the core tier one capital adequacy ratio at 14.63%; the non-performing loan ratio will be 1.31%, a decrease of 0.03 percentage points from 2024; the provision coverage ratio will be 233.15%, remaining stable compared to 2024.

“In 2025, the operating performance of China Construction Bank has made steady progress, with a solid foundation for ‘stability,’ a continuously solidified trend for ‘progress,’ steadily releasing ‘new’ momentum, and ongoing resilience in ‘excellence,’” said Zhang Yi, President of China Construction Bank at the performance press conference. He stated that in 2026, China Construction Bank will focus on the financial “five major articles,” advanced manufacturing, modern infrastructure, and other main lines, with credit issuance moderately prioritized to enhance the adaptability of credit supply to the structural transformation and upgrading of the economy.

[Source: People’s Daily]