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China Construction Bank (CCB) reported RMB 171.677 billion in net profit for the first half of 2026, up 5.56% from the same period a year earlier. Operating income rose 10.48% to RMB 426.333 billion. A Lang & Schwarz market indication showed the bank at EUR 1.12 at 12:01 p.m. CEST on October 15, 2026; that is a time-stamped reference price, not a guaranteed execution price.
CCB’s first-half 2026 results at a glance
| Measure | First half of 2026 | Year-over-year change |
|---|---|---|
| Operating income | RMB 426.333 billion | +10.48% |
| Net profit | RMB 171.677 billion | +5.56% |
| Profit attributable to equity shareholders | RMB 169.564 billion | +4.62% |
| Net interest income | RMB 310.958 billion | +8.46% |
| Net fee and commission income | RMB 64.289 billion | -1.42% |
| Credit impairment losses | RMB 130.028 billion | +20.79% |
The figures come from CCB’s official 2026 interim-results release, published August 28, 2026, and are reported under international financial reporting standards.
What drove the profit increase?
Interest income remained the main engine
Net interest income increased 8.46% to RMB 310.958 billion. That growth supplied the largest contribution to the higher operating-income total and indicates that CCB’s core lending-and-funding business expanded despite pressure on banking margins.
Non-interest income improved, but fees slipped
CCB reported net non-interest income growth of 16.31%. Within that result, net fee and commission income fell 1.42% to RMB 64.289 billion. The mix matters: stronger non-interest contributions offset weaker fee income, rather than fee generation driving the overall increase.
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Provisioning grew faster than expenses
Credit impairment losses rose 20.79% to RMB 130.028 billion. Because provisions increased faster than operating income, investors should weigh the earnings gain against the cost of protecting the balance sheet. The first-half result is therefore not simply a story of faster revenue; it also reflects higher credit-cost pressure.
Balance-sheet and asset-quality indicators
| Indicator | Interim 2026 figure |
|---|---|
| Total assets | RMB 47.33 trillion, up 3.72% from year-end 2025 |
| Total liabilities | RMB 43.49 trillion, up 3.69% from year-end 2025 |
| Non-performing-loan ratio | 1.29% |
| Allowance-to-NPL coverage | 238.69% |
| Core Tier-1 capital adequacy ratio | 14.24% |
The 1.29% NPL ratio describes reported problem loans at the interim period, while 238.69% coverage shows the allowance balance relative to those non-performing loans. The 14.24% core Tier-1 ratio provides a capital-strength reference, but neither ratio predicts future credit losses or share-price performance on its own.
CCB stock price, listings and timing
The EUR 1.12 quote is a Lang & Schwarz indication recorded at 12:01 p.m. CEST on October 15, 2026. Prices can move after that timestamp and may differ from an executable bid or offer, so readers should check a live quote before trading.
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China Construction Bank is identified by ISIN CNE1000002H1. Its Hong Kong listing trades under ticker 939, and its Shanghai listing under ticker 601939. The market snapshot cited a market capitalization of CNY 2.5 trillion and a 52-week range of CNY 8.52 to CNY 11.55. Those figures are in Chinese yuan and should not be treated as direct EUR equivalents without considering the exchange rate and the relevant listing.
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Interim dividend proposal
CCB’s board proposed a tax-inclusive interim cash dividend of RMB 2.010 per 10 shares. The proposed distribution is estimated at about RMB 52.582 billion. The payout ratio is expected to rise from 30.0% in 2025 to 31.0% in 2026. Payment remains subject to shareholder approval, so the proposal is not yet a guaranteed entitlement.
What to watch next
The next scheduled CCB results date in the cited market notice is October 31, 2026, for third-quarter results. The most useful follow-up checks are whether operating-income growth continues, whether net interest income remains resilient, whether fee income recovers, and whether impairment charges moderate. Investors comparing CCB with another bank should keep the reporting standard and currency consistent and use the same four measures: income and profit growth, income mix, credit costs and NPLs, and capital plus shareholder distributions.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.Bottom line for readers
CCB delivered higher first-half revenue and profit, led by interest income and broader non-interest income. The qualification is rising credit impairment, which grew substantially faster than operating income. The EUR 1.12 figure is a dated market snapshot from Lang & Schwarz, while the proposed dividend still requires shareholder approval; both should be checked against current trading and corporate-action information before making an investment decision.
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