China Construction Bank (CCB) reported Group net profit of RMB171.677 billion for the six months ended 30 June 2026, up 5.56% from the same period in 2025. That is growth in the bank’s reported profit—not a 5.56% gain in its stock price. Profit attributable to the Bank’s equity shareholders rose by a different measure: 4.62%.
What CCB’s 5.56% profit growth means
CCB announced its interim results on 28 August 2026; its half-year report, covering the six months ended 30 June, was posted on 28 September 2026. The headline 5.56% is the year-on-year increase in Group net profit, which was RMB171,677 million, compared with RMB162,638 million in the first half of 2025.
It is important to distinguish that figure from net profit attributable to the Bank’s equity shareholders. That measure was RMB169,564 million, up 4.62% from RMB162,076 million. The two percentages describe different profit definitions; neither is a return earned by CCB shareholders on the stock market. CCB’s 2026 half-year report provides the financial-statement figures.
What changed in the first-half results
Operating income grew faster than Group net profit, while impairment charges rose and fee income edged lower. The figures below are CCB-reported amounts in RMB millions; changes are year on year.
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| Measure | First half 2026 | Year-on-year change |
|---|---|---|
| Operating income | 426,333 | +10.48% |
| Net interest income | 310,958 | +8.46% |
| Net non-interest income | 115,375 | +16.31% |
| Net fee and commission income | 64,289 | −1.42% |
| Credit impairment losses | 130,028 | +20.79% |
| Profit before tax | 197,980 | +8.52% |
| Group net profit | 171,677 | +5.56% |
| Net profit attributable to the Bank’s equity shareholders | 169,564 | +4.62% |
What CCB says drove the increase
Interest income
Net interest income rose 8.46%. CCB said business-scale growth and stabilisation of its net interest margin contributed to the increase. The bank reported a net interest margin of 1.37%; its results release said this was 1 basis point above the first-quarter 2026 level and 3 basis points above the 2025 full-year level. These are the bank’s reported explanations and comparisons, not independent proof of causation. CCB’s 28 August 2026 results release gives the margin update.
Non-interest income
Net non-interest income increased 16.31%. CCB attributed the rise to improved comprehensive financial service capabilities and its capture of market opportunities. That broader category grew even as net fee and commission income fell 1.42%, so the reported increase does not mean every non-interest revenue stream rose.
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What the results say—and do not say—about risk
Credit impairment losses increased 20.79% to RMB130,028 million. This is a material counterweight to income growth, but the figure alone does not identify the cause of the increase or establish a deterioration in the overall loan book.
CCB reported a non-performing loan ratio of 1.29%, down 0.02 percentage points from the end of 2025, and an allowance-to-NPL ratio of 238.69%, up 5.54 percentage points. Its total capital adequacy ratio was 19.42%, and its core tier-1 capital adequacy ratio was 14.24%. These indicators add context, but they do not eliminate credit risk or, by themselves, establish future performance.
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CCB’s proposed interim dividend
CCB’s board proposed an interim cash dividend of RMB2.010 per 10 shares, tax inclusive, for 2026. The proposed total was about RMB52.582 billion, with a proposed payout ratio of 31.0%. The proposal was to be submitted to a shareholders’ meeting for deliberation; it should not be treated as approved or paid. These details are in the bank’s results release.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.How investors should read the headline
CCB identifies its Shanghai-listed shares by code 601939 and its Hong Kong-listed shares by code 00939. The first-half earnings figures do not state either share’s current price, valuation, expected return, or suitability for an investor. Profit growth is one input for assessing a bank, not a stock-price forecast or a buy signal.
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For a meaningful comparison with another bank or reporting period, match the same duration and accounting basis, and compare like profit definitions: Group net profit with Group net profit, or shareholder-attributable profit with the same measure. Other relevant dimensions include operating-income growth, net interest margin, the mix of interest and non-interest income, impairment charges, non-performing loans, capital ratios, and whether a dividend is merely proposed or has been approved.
CCB’s investor-relations finance page links to financial highlights and annual and interim reports for readers who want to check the bank’s filings.
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