1. People's Republic of China Stocks

  2. •

    Financial Services

  3. •

    Banks - Diversified
China Construction Bank Corporation

China Construction Bank Corporation

0939.HK
China Construction Bank CorporationHK flagHong Kong Stock Exchange
8.55
HKD
-0.02
- -
2.06TMarket Cap
China Construction Bank Corporation
0939.HK
(Hong Kong Stock Exchange)

Recent

price

8.51

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
1.34
1.6
1.84
2.04
2.28
2.41
2.4
2.46
2.59
2.78
2.95
3.24
3.08
3.03
2.91
2.92
2.95
Revenue per Share
0.56
0.68
0.77
0.86
0.91
0.91
0.92
0.96
1
1.05
1.06
1.19
1.28
1.31
1.31
1.3
1.3
Basic EPS, GAAP
0.99
0.41
1.33
0.03
1.12
2.41
3.4
0.23
1.66
2.2
2.17
1.63
3.76
2.43
1.21
7.97
4.98
Free Cash Flow per Basic Share
0.21
0.23
0.26
0.3
0.33
0.34
0.32
0.33
0.35
0.39
0.4
0.41
0.47
0.51
0.53
0.53
0.92
Dividend per Share
1.85
2.17
2.56
2.78
3.23
3.68
4.12
4.51
4.87
5.38
5.82
6.47
7.02
7.58
7.93
8.41
8.38
Book Value per Share
2.9
3.27
3.77
4.29
4.98
5.67
6.22
6.78
7.48
8.46
9.08
10.02
11.07
12.22
12.79
13.88
13.69
Tangible Book Value per Share
240,793
248,909
250,882
249,601
250,363
250,709
251,587
252,358
254,655
254,031
255,708
254,213
253,693
253,934
256,166
260,697
256,932
Basic Weighted Avg Shares
323,455
397,066
460,718
508,548
570,225
604,922
605,021
621,498
658,751
705,380
754,963
822,643
782,566
768,585
746,386
760,713
758,380
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
11,827
12,497
13,889
15,416
17,811
19,736
16,017
17,414
17,874
23,927
26,182
27,295
28,482
29,081
30,230
29,302
30,052
Depreciation Expense
134,844
169,258
193,179
214,657
227,830
228,145
231,460
242,264
254,655
266,733
271,050
302,513
324,727
332,653
335,577
338,906
333,327
Net Income, GAAP
22.91
22.67
23
23.12
23.69
23.32
21.28
18.74
17.05
17.57
18.73
19.68
15.33
14.62
12.51
10.73
10.68
Effective Tax Rate (%)
41.69
42.63
41.93
42.21
39.95
37.71
38.26
38.98
38.66
37.81
35.9
36.77
41.5
43.28
44.96
44.55
43.95
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
159,587
247,037
383,247
513,457
634,054
737,256
774,100
980,165
1,196,006
1,598,128
1,289,835
1,622,652
2,012,630
2,303,457
2,866,476
3,093,481
3,433,732
LT Debt
700,905
816,661
949,545
1,074,329
1,251,848
1,445,083
1,589,654
1,795,827
1,991,594
2,235,127
2,389,353
2,614,122
2,876,244
3,172,074
3,343,965
3,686,077
3,584,859
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
33.06
34.36
32.73
32.15
30.32
26.36
23.63
22.29
21.42
20.46
18.98
19.3
18.96
17.96
16.96
16.05
16.1
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
59,977
59,977
59,977
Shares Outstanding
250,011
250,011
261,600
Market Capitalization
1,500,230
1,648,744
1,857,004

Working Capital

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
3,537,201
3,778,085
4,065,021
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
9.84%
9.08%
10.23%
Free Cash Flow
121.57%
118.41%
572.71%
Net Income, GAAP
4.08%
4.65%
0.99%
Sales/Revenue/Turnover
2.42%
0.27%
1.92%
Total Cash Common Dividend
5.1%
6.51%
1.7%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
200,973
184,786
183,219
180,589
746,386
2025
190,066
204,506
187,234
- -
760,713
2026
211,004
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.35
- -
0.35
- -
1.31
2025
0.33
- -
- -
- -
1.3
2026
0.33
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.02
- -
0.43
- -
0.53
2025
0.22
- -
- -
- -
0.53
2026
0.2
- -
- -
- -
- -
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Business
China Construction Bank Corporation, founded in 1954 and headquartered in Beijing, China, operates as one of the largest commercial banks globally, offering a comprehensive range of financial products and services. Its core offerings include corporate banking solutions such as loans, deposits, trade finance, and treasury services; personal banking services including deposit-taking, personal loans, wealth management, residential mortgages, and bank card services; investment banking and asset management; digital banking and fintech-enhanced products; and specialized services like infrastructure financing aligned with China's urbanization initiatives. CCB also operates an extensive digital ecosystem supporting over 1,000 service applications, leveraging technology investments exceeding CNY 40 billion in recent years to enhance operational efficiency, blockchain-based trade finance, and customer experience improvements. Geographically, it serves clients primarily across China while maintaining international presence including significant operations in Hong Kong and strategic global partnerships. In the last 1-2 years, China Construction Bank has intensified its strategic initiatives including a major cooperation agreement with South Africa's Industrial Development Corporation to co-invest R10 billion in infrastructure and industrial development projects, reflecting its expanding footprint in Africa. Recent enhancements in digital banking feature AI-driven customer service platforms resolving millions of inquiries monthly and an increase in mobile platform transaction volumes to 40% of total transactions. CCB has launched new financial advisory services boosting wealth management engagements and continues to innovate in blockchain, reducing trade finance transaction times by approximately 30-50%. The bank maintains strong capital adequacy through bond issuances to comply with regulatory norms and has shown moderate profit growth, focusing on sustainable development financing with allocations of CNY 300 billion in green finance projects. Operationally, it is prioritizing customer-centric services with 600 million retail customers and 200 million active mobile users, sustaining over 80% of transactions online and had a 91% customer satisfaction rate in the last year. These developments underscore CCB’s ongoing transformation towards a technology-driven, customer-focused banking model with expanded international cooperation and sustainability commitments.