Compare China Construction Bank (CCB) with other Chinese bank stocks using the same reporting period, share class and measurement basis. Start with large-bank peers such as Industrial and Commercial Bank of China (ICBC) and Bank of China (BOC), then add other listed banks if their business models or risks fit the question you are trying to answer. CCB’s reported 2025 capital and dividend figures are useful reference points, but they do not establish that it outperforms its peers.
Which banks make a useful comparison?
ICBC and BOC are practical starting points for a large-bank comparison with CCB. They are peers to investigate, not a complete list of Chinese bank stocks or a claim that all three have identical businesses. For a broader screen, add listed joint-stock, city commercial or rural commercial banks when their scale, customer base, geography or lending mix is relevant to your investment question. A larger list is not automatically a fairer comparison: explain why each additional bank belongs.
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For each company, identify the exact listed share class before using prices or valuation. CCB and other large Chinese banks may have A- and H-share listings. Those shares trade in different markets and currencies; a price, return or yield for one class should not be presented as if it described the other.
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| Comparison area | What to examine | How to keep it comparable |
|---|---|---|
| Earnings and profitability | Net interest margin (NIM), net profit trend and return on equity (ROE) | Match the reporting period and state whether the figure is for the group or the bank alone. An interim result should not be compared with a full-year result as if the periods were equivalent. |
| Asset quality | Non-performing loan (NPL) ratio, overdue or classified loans where disclosed, allowance coverage, credit-cost trends and sector concentrations | Check definitions and consider write-offs, restructurings and borrower mix. A single NPL ratio does not describe the full risk profile. |
| Capital and resilience | Common Equity Tier 1 (CET1), Tier 1 and total capital ratios, alongside leverage and liquidity disclosures | Use the same reporting date and check which capital rules apply. Do not infer a peer ranking from one bank’s ratio. |
| Shareholder returns | Declared cash dividends, payout ratio and dividend per share | Separate proposed distributions from approved ones. A dividend yield also requires a share class and a dated market price. |
| Valuation | Price-to-book (P/B) and any other valuation measure relevant to your analysis | Align share class, currency, market date and book-value basis. A ratio is only comparable if its inputs are measured consistently. |
| Business mix and exposure | Retail and corporate lending, geographic reach, fee businesses, policy-linked lending and concentrations | Use business mix to understand possible sources of earnings and risk; it is context, not a quality score by itself. |
What CCB’s reported 2025 figures do—and do not—show
CCB’s 2025 annual report gives a total capital ratio of 19.69%, a Tier 1 capital ratio of 15.47% and a CET1 ratio of 14.63% at year-end. CCB says these ratios were calculated under the Rules on Capital Management of Commercial Banks and complied with regulatory requirements. They are CCB’s figures, not evidence that its capital position leads ICBC, BOC or another peer; that conclusion requires ratios for the same reporting date on a comparable basis. See the CCB 2025 Annual Report, A-share/HKEX filing.
#1 Best Overall
- Wedding Guest Book and Money Ledger: Combines guest sign-in and money record functions for weddings and events.
- Double Happiness Design Style: Features traditional wedding symbols suitable for Chinese-themed celebrations.
- Wedding Keepsake Book: Can be kept as a memory record after the wedding or engagement ceremony.
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CCB reported a combined 2025 cash dividend of RMB 3.887 per ten shares, including tax, with an aggregate amount of approximately RMB 101,684 million. The report says the distribution equalled 30% of group net profit attributable to equity shareholders. The final dividend portion was subject to shareholder approval, so the combined reported amount should not be treated as proof that every portion had already been approved. These are historical distribution figures, not a forecast or a current yield. To calculate a yield, use the relevant approved dividend and a dated price for the specific A- or H-share being assessed. See the CCB 2025 Annual Report, H-share filing.
Use matching reports before drawing a peer conclusion
Issuer investor-relations pages provide a starting point for selecting the reports that belong in a comparison. CCB’s investor-relations listing shows its 2026 half-year report dated 2026-08-28 as well as 2025 annual reports for A- and H-share reporting. ICBC’s financial-reports page lists its 2026 interim report dated 2026-09-24 and interim results announcement dated 2026-08-28. BOC’s investor-relations page lists 2026 interim and 2025 annual materials. Check the underlying report for each metric and use the same period across the banks rather than combining an annual figure for one with an interim figure for another.
Rank #2
- 120 sheets of traditional Chinese joss paper money appropriate for funerals, ancestor birthdays and holidays like the Qingming Festival and the Hungry Ghost Festival.
- Printed to resemble the U.S. Dollar.
- Buy with confidence. These are the "Heaven Bank Notes" traditionally burned to provide family members with money and material goods in the afterlife.
- Size: 3.1in x 5.9 in
- Denominations are random , Inclued 100 ，500，1000，10000，etc
- CCB Investor Relations
- ICBC Financial Reports
- BOC Financial Reports
- CCB financial reporting access guidance
A practical comparison workflow
- Choose the peer set. Begin with ICBC and BOC for a large-bank comparison; add other listed banks only when their business model, scale or risk exposure makes them relevant.
- Set the period and basis. Record each report date, whether the data is full-year or interim, the currency and units, and whether results are group-wide or bank-only.
- Compare earnings, asset quality and capital. Place NIM, profit trend, ROE, credit-quality indicators and capital ratios side by side only after confirming the periods and definitions align.
- Check dividends and valuation separately by share class. Distinguish proposed from approved distributions, and pair each yield or P/B calculation with its A- or H-share, currency and market-price date.
- Interpret differences through business mix. Examine lending and fee-income composition, geography and concentrations to understand why results may differ; do not treat a business-mix difference as a ranking on its own.
A useful working table should label every figure with its reporting period, unit, group or bank basis, source report and, for market measures, share class and calculation date. If any of those details are missing, resolve them before treating a difference as meaningful.
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Rank #3
- Package: 1 bundle of paper money, 100 sheets per bundle. Each sheet measures about 5.9*2.9 inches (15*7.4 cm). Another 1 sheet of ancestor gold paper and 2 gold foil paper ingots are given. This currency is colourful and easy to burn.
- The synonyms of Ancestor Money are Spirit Money, Joss Paper, Hell Money,Heaven notes,etc. It is hoped that the departed loved ones can use this ‘note’ to live a better life and find love again in the other world. It is also hoped that the ancestors will also bless you and bring you good luck.
- Ancestor money can be burned for funerals, ancestors' birthdays, Ching Ming Festival (4 April), Ghost Festival, and holidays or any day when you miss them terribly and need energy. (Write what you want to say to them on the Ancestor Gold paper and burn it with the Ancestor Money.)
- Whether you use it in an ancestral spirit communication ceremony or as a teaching tool to educate on the tradition of honouring your ancestors, our Ancestor Money is a profound cultural object. In addition, it can be used as a unique decoration or a thoughtful gift for those who appreciate philosophy and spirituality.
- Note: Chinese Ancestor Money is not legal tender issued by any bank or government agency and has no cash value. They are usually burnt to dedicate to the ancestors and to pray for blessings of prosperity and good luck. Safety is always a priority when burning ancestral money. Burn in a well-ventilated area, preferably in a metal container, and make sure the embers are completely extinguished when you are finished. Never leave the burning process unattended
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