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’s stock at EUR 1.12 at 12:01 p.m. CEST on October 15, 2026—a time-stamped reference price, not a guaranteed execution price.
CCB’s main first-half 2026 figures
The interim results, reported under international financial reporting standards, show stronger income but also a materially higher credit-impairment charge. Profit attributable to equity shareholders was RMB 169.564 billion, an increase of 4.62% year over year.
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| 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% |
What drove the result
Interest income remained the largest engine
Net interest income increased 8.46% to RMB 310.958 billion. Net non-interest income also rose 16.31%, supporting the 10.48% increase in total operating income.
Fees were weaker
Net fee and commission income fell 1.42% to RMB 64.289 billion. That decline means the headline income growth relied more heavily on interest and other non-interest sources than on fees.
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Provisioning grew faster than income
Credit impairment losses climbed 20.79% to RMB 130.028 billion, outpacing operating-income growth. For investors, this is the key qualification to the profit increase: CCB generated more recurring income, but it also set aside substantially more for credit risk.
Asset quality and capital position
At the interim period, CCB reported total assets of RMB 47.33 trillion, up 3.72% from the end of 2025. Total liabilities were RMB 43.49 trillion, an increase of 3.69% over the same period.
- 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 and 238.69% coverage ratio provide context for the higher impairment charge, while the 14.24% core Tier-1 ratio indicates the capital buffer reported in the interim release. These measures should be read together rather than treating profit growth alone as a complete assessment of the bank.
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The board proposed a tax-inclusive cash dividend of RMB 2.010 per 10 shares. CCB estimates the total distribution at approximately RMB 52.582 billion. The proposed payout ratio is 31.0% for 2026, compared with 30.0% in 2025. Shareholder approval is required before the dividend becomes payable.
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What the EUR 1.12 stock quote means
The EUR 1.12 figure is a Lang & Schwarz indication recorded at 12:01 p.m. CEST on October 15, 2026. It is a market snapshot: prices can move after the timestamp, and an indication may not equal the price at which a particular order can be executed.
| Listing detail | Value |
|---|---|
| ISIN | CNE1000002H1 |
| Hong Kong listing | Ticker 939 |
| Shanghai listing | Ticker 601939 |
| Quoted indication | EUR 1.12 at 12:01 p.m. CEST, October 15, 2026 |
| Reported market capitalization | CNY 2.5 trillion |
| 52-week range | CNY 8.52–11.55 |
The euro indication and the Shanghai 52-week range are different currency and venue references. They should not be compared directly without accounting for exchange rates, listing-specific pricing and trading hours.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.When the next results are scheduled
CCB’s next scheduled reporting date in the supplied market notice is October 31, 2026, for third-quarter results. Investors watching the stock can use that release to assess whether income growth, impairment costs, asset quality and capital ratios are moving in the same direction.
Quick Recap
How to read the numbers as an investor
- Start with operating income and net profit: income grew 10.48%, while net profit grew 5.56%, showing that not all incremental income reached the bottom line.
- Check the mix: net interest income rose 8.46%, non-interest income rose 16.31%, and fee income declined 1.42%.
- Measure credit pressure: impairment losses increased 20.79%, faster than operating income.
- Review resilience: compare the 1.29% NPL ratio, 238.69% coverage and 14.24% core Tier-1 ratio with future periods.
- Separate price from fundamentals: treat EUR 1.12 as a timestamped indication, not a forecast or an assured trading price.
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