October DealsAmazon USOctober deal check: compare before you payAmazon US: current deals, useful picks and tech finds.Check DealsSlow PC?RecommendedPC slow today? Run a repair scan before it gets worseResolve common Windows issues and optimize system performance.Scan NowOctober DealsAmazon USDeal season is back - check today's better picksAmazon US: current deals, useful picks and tech finds.See Picks×
Skip to content
The Finance Base
The Money Desk · Blog
Re:

China Construction Bank Reports 5.56% Profit Growth in First Half of 2026

China Construction Bank reported Group net profit of RMB171.677 billion for the first half of 2026, up 5.56% year on year. Shareholder-attributable profit rose 4.62%, not 5.56%.
From TheFinanceBase Team3 min to read
Special offer. See more information about Outbyte and uninstall instructions. Please review EULA and Privacy policy.

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.

Special offer. See more information about Outbyte and uninstall instructions. Please review EULA and Privacy policy.
#1 Best Overall
FUYU Cartoon Excavator Piggy Bank Coin Bank Money Box Home Decor
  • Size: (L*W*H) 27*12.5*14 cm / 10.6 x 5 x 5.5 inches.
  • Material: Natural resin.
  • Large capacity, realistic modeling.
  • Fit almost every type of standard coin.
  • Applies for Kid's room,living room,home decoration,birthday gift, etc.
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.

Rank #2
RockTrend Cartoon Excavator Resin Coin Bank Piggy Bank Money Box
  • Size: 10.6 x 5 x 5.5 inches.
  • Material: Resin.
  • Vivid image, realistic modeling.
  • Fit almost every type of standard coin. There is a coin slot at the top and a rubber plug at the bottom.
  • Applies for home decoration.

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.

Free tools Windows power users keep installed

One-click scans. No signup required.

Special offer. See more information about Outbyte and uninstall instructions. Please review EULA and Privacy policy.
Rank #3
Colias Wing Home Decor Retro Style Vintage Train Shape Design Coin Bank Money Saving Bank Toy Bank Cents Penny Piggy Bank-Red/Green
  • Materials: Resin, light but solid.
  • Dimension: Approx. 8.7 inches L x 3 inches W x 4.7 inches H
  • Removable silicone Stopper Holds in Savings.
  • Suitable for room, living room, home decoration, birthday, wedding, etc.
  • Fits almost every type of standard coin - Quarters, Dimes, Nickels, Pennies and more.

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.Support on Ko-Fi

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.

Rank #4
The Last Penny Commemorative Coin (1909-2025) - R.I.P. The Final Cent Memorial Coin, Lincoln Penny Tribute, Historical Commemorative Coin for US Penny Era, Novelty Challenge Coin
  • Historical tribute commemorating the 116-year legacy of the Lincoln one-cent coin (1909-2025), celebrating the enduring appeal of classic American currency and its place in national heritage
  • Unforgettable design features a finely detailed portrait of President Lincoln alongside the White House and American flag, reverse side showcases the Lincoln one-cent coin and a tombstone for a truly memorable keepsake
  • Exquisite craftsmanship using a vintage antiquing technique and high-quality alloy, perfectly recreating the classic look and feel of historical coinage with meticulous surface detailing
  • Double-sided deep relief engravings provide striking contrast, antique finish reproduces the texture and appearance of a classic historical coin for an authentic collectible experience
  • Perfect gift packaged in an American flag gift box, ideal for coin collectors, history educators, or anyone who cherishes classic American currency, commemorating the circulation history of the Lincoln penny (1909-2025)

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.

Special offer. See more information about Outbyte and uninstall instructions. Please review EULA and Privacy policy.

Quick Recap

Bestseller No. 1
FUYU Cartoon Excavator Piggy Bank Coin Bank Money Box Home Decor
FUYU Cartoon Excavator Piggy Bank Coin Bank Money Box Home Decor
Size: (L*W*H) 27*12.5*14 cm / 10.6 x 5 x 5.5 inches.; Material: Natural resin.; Large capacity, realistic modeling.
$25.85
Bestseller No. 2
RockTrend Cartoon Excavator Resin Coin Bank Piggy Bank Money Box
RockTrend Cartoon Excavator Resin Coin Bank Piggy Bank Money Box
Size: 10.6 x 5 x 5.5 inches.; Material: Resin.; Vivid image, realistic modeling.; Applies for home decoration.
$25.99
Bestseller No. 3
Colias Wing Home Decor Retro Style Vintage Train Shape Design Coin Bank Money Saving Bank Toy Bank Cents Penny Piggy Bank-Red/Green
Colias Wing Home Decor Retro Style Vintage Train Shape Design Coin Bank Money Saving Bank Toy Bank Cents Penny Piggy Bank-Red/Green
Materials: Resin, light but solid.; Dimension: Approx. 8.7 inches L x 3 inches W x 4.7 inches H
$19.99
Bestseller No. 5
WAIT FLY Cement Mixer Truck Money Bank, Resin Coin Money Storage Box
WAIT FLY Cement Mixer Truck Money Bank, Resin Coin Money Storage Box
Material: Resin.; Size: 9.0 X 5.0 X 7.0 inches.; Choice for a birthday, Christmas, or any special occasion.
$25.99
Best Value
WAIT FLY Cement Mixer Truck Money Bank, Resin Coin Money Storage Box
  • Material: Resin.
  • Size: 9.0 X 5.0 X 7.0 inches.
  • The bulldozer shape money bank will add a good look to the living room and help to save their money.
  • Choice for a birthday, Christmas, or any special occasion.

Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.

Leave a Reply

Your email address will not be published. Required fields are marked *

Special offer. See more information about Outbyte and uninstall instructions. Please review EULA and Privacy policy.

More post from the Money Desk

  1. The Money DeskBlogTheFinanceBase09 OCT 267 minMortgage Escrow FAQs: Taxes, Insurance, Shortages, and Refunds
  2. The Money DeskBlogTheFinanceBase09 OCT 265 minHow Mortgage Escrow Accounts Work and What Homeowners Pay For
  3. The Money DeskBlogTheFinanceBase09 OCT 265 minHow to Read a Stock Chart, Volume and Market-Cap Data
Recommended PC Tool
Recommended PC Tool
PC Slower Than It Used to Be?Free scan - under a minute
Crashes, No Sound, or Screen Glitches?Free driver scan

Two free Windows tools

One Free Minute Could Fix That PC

Before you go - each of these free tools takes about a minute and tackles what quietly slows a Windows PC down.

Special offer. View Outbyte info, uninstall instructions, EULA, and Privacy Policy.