Compare China Construction Bank (CCB) with other Chinese banks using the same reporting period, financial definitions, share class and valuation date. CCB’s latest results available here cover the six months ended 30 June 2026: it reported net profit growth of 5.56%, a net interest margin (NIM) of 1.37%, a non-performing loan (NPL) ratio of 1.29% and a total capital adequacy ratio of 19.42%. Those figures establish a baseline, not a case that CCB is a better investment than its peers.
Set a fair peer group and comparison period
For a large-bank comparison, start with Industrial and Commercial Bank of China (ICBC), Agricultural Bank of China and Bank of China. China Merchants Bank can add a listed bank with a different business profile. Compare each bank’s own filings for the same period and accounting basis; otherwise, differences may reflect reporting dates or definitions rather than performance. CCB’s 2026 interim results are reported under IFRS. The company figures below come from its 2026 interim results.
The available figures here do not provide a consistent peer table for the six months ended 30 June 2026. ICBC and Bank of China have interim reporting available, but a defensible ranking would require extracting equivalent measures from their filings, as well as from the other selected banks. Do not infer that CCB leads or trails a peer based on CCB’s figures alone.
Use CCB’s reported results as a baseline
CCB’s six-month results and full-year 2025 results cover different intervals. Keep them separate rather than treating interim figures as a full-year result or comparing them directly with a peer’s annual data.
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| Measure | Six months ended 30 June 2026 | Full year 2025 |
|---|---|---|
| Operating income | RMB 426.333 billion; up 10.48% year over year | RMB 740.871 billion; up 1.69% |
| Net profit | RMB 171.677 billion; up 5.56% year over year | RMB 339.790 billion; up 1.04% |
| Total assets | RMB 47.33 trillion at 30 June 2026 | RMB 45.63 trillion |
| NPL ratio | 1.29%; down 0.02 percentage points from year-end 2025 | 1.31% |
| Allowance-to-NPL ratio | 238.69% | 233.15% |
| NIM | 1.37% | 1.34% |
| Return on assets (ROA) | 0.74% annualized | 0.79% |
| Return on equity (ROE) | 9.52% weighted average | 10.04% |
| Cost-to-income ratio | 22.17% | not stated (CCB 2025 annual results) |
| Total capital adequacy ratio | 19.42% | 19.69% |
| Common Equity Tier 1 (CET1) ratio | 14.24% | 14.63% |
Source for 2026 interim figures: China Construction Bank, 2026 interim results. Source for 2025 full-year figures: China Construction Bank, 2025 annual results. The table describes CCB only; it does not establish how the bank compares with peers.
Compare the banks on operating performance and risk
Earnings, income mix and margins
Look at operating-income and net-profit growth together with NIM, fee income and other non-interest income where the filings disclose comparable figures. Scale and growth answer different questions: a bank can produce more profit because it is much larger without growing faster. NIM adds context about interest income relative to earning assets, but compare the same period and calculation basis.
Asset quality and loss buffers
Compare NPL ratios alongside overdue or special-mention loans, write-offs, and allowance or provision coverage when those measures are available on comparable definitions. A single NPL ratio does not capture the full risk picture, and banks’ classification and disclosure practices can differ. Read the notes to each filing before treating small differences as meaningful.
Capital, returns and efficiency
Review CET1 and total capital ratios alongside ROA and ROE. A higher ROE on its own does not demonstrate lower risk or greater value; leverage can affect the ratio. Add cost-to-income, funding and deposit structure, lending mix, and fee or wealth-management contributions where disclosures permit an apples-to-apples comparison. Confirm how each bank defines the measure before ranking it.
Compare the listed shares separately from the banks
CCB’s consolidated results describe the bank’s operations, not the value or expected return of either listed share class. CCB trades in Shanghai as A-share 601939 and in Hong Kong as H-share 00939. For a valuation comparison, specify the share class and use the same date for each bank’s price data.
- Compare price-to-book and earnings multiples using a consistent calculation and date.
- Compare dividend per share and yield using the relevant share price, currency and dividend basis. A yield can rise because a share price has fallen; it does not by itself show that a dividend is safe or establish total return.
- Account for differences in listing market, currency and investor access when comparing A- and H-shares or stocks listed in different markets.
Build a decision-ready comparison
- Choose the peer set. Use ICBC, Agricultural Bank of China and Bank of China for a large-bank comparison; add China Merchants Bank if a different listed-bank profile is useful.
- Match the reporting period. Use the same interim or annual interval for every bank, and distinguish company-reported accounting bases.
- Collect operating and risk measures. Record earnings growth, income mix, NIM, asset-quality indicators, loss buffers, capital, returns and efficiency, checking the filings’ definitions.
- Set the share comparison. Choose the relevant A- or H-share, price date, currency and dividend basis before comparing valuation multiples or yield.
- Interpret rather than simply rank. Consider whether apparent strengths reflect scale, business mix, leverage, risk or valuation, and note any missing or non-comparable data.
A conclusion about which stock is more attractive requires both comparable peer results and same-date share valuation and dividend information. The CCB figures above are an operating baseline, not a standalone investment ranking.
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