# CHINA CONSTRUCTION BANK

Summary updated: 2026-10-02T09:07:07.018258Z
Canonical: https://finbar.com/research/companies/china-construction-bank

## Overview

China Construction Bank (CCB) is a commercial banking group whose principal businesses are corporate banking, personal banking and treasury operations. Its offerings and activities span corporate and personal finance, treasury and asset management, serving customers primarily in China while maintaining an international presence. [1](https://app.finbar.com/go?id=T18727650)[2](https://company.ccb.com/en/investor/overview.html)

CCB’s stated mission is to provide better customer service, create shareholder value, build career paths for associates and act responsibly as a corporate citizen. It traces its origins to 1954, when its predecessor, the People’s Construction Bank of China, was established. [3](https://ccb.com/en/newccbtoday/v3/corporateculture/ccbculture.html?ptId=3)[4](https://www.ccb.com/en/newinvestor/history.html)

CCB reported operating income of RMB740.871 billion for full-year 2025; for the six months ended 30 June 2026, operating income was RMB426.333 billion. At year-end 2025, the group reported 378,344 staff and 14,614 operating entities, and its corporate profile describes an overseas network of more than 200 entities across 31 countries and regions. [5](https://app.finbar.com/go?id=T16182533)[6](https://app.finbar.com/go?id=T18725539)[7](https://en.ccb.com/eng/investor/index.shtml)[8](https://www.ccb.com/en/investorv3/corporateoverview/overview.html)
[1](https://app.finbar.com/go?id=T18727650)[2](https://company.ccb.com/en/investor/overview.html)[3](https://ccb.com/en/newccbtoday/v3/corporateculture/ccbculture.html?ptId=3)[4](https://www.ccb.com/en/newinvestor/history.html)[5](https://app.finbar.com/go?id=T16182533)[6](https://app.finbar.com/go?id=T18725539)[7](https://en.ccb.com/eng/investor/index.shtml)[8](https://www.ccb.com/en/investorv3/corporateoverview/overview.html)[2](https://company.ccb.com/en/investor/overview.html)[3](https://ccb.com/en/newccbtoday/v3/corporateculture/ccbculture.html?ptId=3)[4](https://www.ccb.com/en/newinvestor/history.html)[7](https://en.ccb.com/eng/investor/index.shtml)[8](https://www.ccb.com/en/investorv3/corporateoverview/overview.html)

## Products & services

China Construction Bank (CCB) offers corporate and institutional services including deposits, credit, international settlement and financing, and Corporate Online Banking. Its corporate cash-management offerings include Zhangbutong, a ledger-management service for customers with categorized-fund needs. Treasury Cloud integrates global account management, cross-border payments and settlement, and foreign-exchange trading; other services include collections and bill payments, disbursements, electronic commercial drafts, settlement cards and host-to-host connectivity. [9](https://app.finbar.com/go?id=P161046339)

Personal-banking products include deposits, Long credit cards, personal loans and wealth-management-card services. Card and consumer-finance offerings include vehicle-purchase, home-renovation, bill and merchant instalments. For smaller businesses and rural customers, CCB offers Quick Loans, Shanyingdai, Shanjiandai, technology-SME loans Shanxindai and Shankedai, Yunong Loans, supply-chain inclusive loans, and Cross-border Quick Loan for small foreign-trade enterprises. [10](https://app.finbar.com/go?id=P161046360)[11](https://app.finbar.com/go?id=P161046304)[12](https://app.finbar.com/go?id=P161046334)

Wealth and investment services include an open wealth-management product shelf, the Long Ying mutual-fund series, products for agency-payroll customers, and research and portfolio-allocation services. Digital offerings include the CCB Lifestyle consumer platform and e-CNY services supporting personal-wallet credit-card repayment and purchases of investment products, as well as corporate-wallet transactions and uses such as batch payments, smart settlement and cross-border settlement. [13](https://app.finbar.com/go?id=P161046362)[14](https://app.finbar.com/go?id=P161046476)[15](https://app.finbar.com/go?id=P161046485)
[9](https://app.finbar.com/go?id=P161046339)[10](https://app.finbar.com/go?id=P161046360)[11](https://app.finbar.com/go?id=P161046304)[12](https://app.finbar.com/go?id=P161046334)[13](https://app.finbar.com/go?id=P161046362)[14](https://app.finbar.com/go?id=P161046476)[15](https://app.finbar.com/go?id=P161046485)

## Geographic presence

China Construction Bank’s 2026H1 report divides its domestic operations into the Yangtze River Delta, Pearl River Delta, Bohai Rim, Central, Western and Northeast China, with Head Office and Overseas reported separately. For the six months ended 30 June 2026, operating revenue was RMB78,496 million in the Yangtze River Delta, RMB52,130 million in the Pearl River Delta, RMB73,363 million in the Bohai Rim, RMB62,265 million in Central China, RMB64,116 million in Western China, RMB14,507 million in Northeast China, RMB71,843 million at Head Office and RMB19,809 million overseas, out of total revenue of RMB436,529 million. Overseas revenue represented about 4.5% of the total. [16](https://app.finbar.com/go?id=T18765791)

The 2025 annual report’s overseas-branch directory includes locations across Asia-Pacific, Europe, Africa and the Americas, including Hong Kong, Singapore, Tokyo, Sydney, Auckland, London, Frankfurt, Johannesburg, Toronto, New York and Santiago. Its subsidiary listings also identify operations in Russia, Europe, Malaysia, New Zealand, Hong Kong and Indonesia. [17](https://app.finbar.com/go?id=T16182610)[18](https://app.finbar.com/go?id=T16182611)[19](https://app.finbar.com/go?id=T16182613)[20](https://app.finbar.com/go?id=T16182614)
[16](https://app.finbar.com/go?id=T18765791)[16](https://app.finbar.com/go?id=T18765791)[16](https://app.finbar.com/go?id=T18765791)[16](https://app.finbar.com/go?id=T18765791)[16](https://app.finbar.com/go?id=T18765791)[16](https://app.finbar.com/go?id=T18765791)[16](https://app.finbar.com/go?id=T18765791)[16](https://app.finbar.com/go?id=T18765791)[16](https://app.finbar.com/go?id=T18765791)[17](https://app.finbar.com/go?id=T16182610)[18](https://app.finbar.com/go?id=T16182611)[19](https://app.finbar.com/go?id=T16182613)[20](https://app.finbar.com/go?id=T16182614)

## Business segments

CCB’s formal operating-segment disclosure is geographic, based on the locations of its first-tier branches and, in some regions, subsidiaries—not a breakdown by banking product or customer type. The same eight segments are reported in the 2025 annual report and the 2026 interim report. [21](https://app.finbar.com/go?id=P161375799)[22](https://app.finbar.com/go?id=P161375807)[16](https://app.finbar.com/go?id=T18765791)

The mainland segments cover: Yangtze River Delta—Shanghai, Jiangsu, Zhejiang, Ningbo and Suzhou; Pearl River Delta—Guangdong, Shenzhen, Fujian and Xiamen; Bohai Rim—Beijing, Shandong, Tianjin, Hebei and Qingdao; Central—Shanxi, Hubei, Henan, Hunan, Jiangxi, Hainan and Anhui; Western—Sichuan, Chongqing, Guizhou, Yunnan, Tibet, Inner Mongolia, Shaanxi, Gansu, Qinghai, Ningxia, Guangxi and Xinjiang; and Northeast—Liaoning, Jilin, Heilongjiang and Dalian. The other reported segments are Head Office and Overseas. [23](https://app.finbar.com/go?id=P161375800)[24](https://app.finbar.com/go?id=P161375801)[25](https://app.finbar.com/go?id=P161375802)[26](https://app.finbar.com/go?id=P161375803)[27](https://app.finbar.com/go?id=P161375804)[28](https://app.finbar.com/go?id=P161375805)[29](https://app.finbar.com/go?id=P141558706)

For FY2025, approximate shares of geographic-segment income / profit before tax were: Yangtze River Delta 17% / 18%; Pearl River Delta 13% / 10%; Bohai Rim 16% / 17%; Central 15% / 14%; Western 16% / 13%; Northeast 4% / 4%; Head Office 17% / 20%; and Overseas 3% / 4%. These are calculated from the reported segment totals and rounded; Head Office is a separately reported segment rather than a regional branch footprint. [30](https://app.finbar.com/go?id=T16182738)
[21](https://app.finbar.com/go?id=P161375799)[22](https://app.finbar.com/go?id=P161375807)[16](https://app.finbar.com/go?id=T18765791)[23](https://app.finbar.com/go?id=P161375800)[24](https://app.finbar.com/go?id=P161375801)[25](https://app.finbar.com/go?id=P161375802)[26](https://app.finbar.com/go?id=P161375803)[27](https://app.finbar.com/go?id=P161375804)[28](https://app.finbar.com/go?id=P161375805)[29](https://app.finbar.com/go?id=P141558706)[30](https://app.finbar.com/go?id=T16182738)

## Company history

China Construction Bank was founded in 1954 as the People’s Construction Bank of China, a state-owned institution under the Ministry of Finance. In 1979 it became a financial institution directly under the State Council, and in 1994 it shifted toward full-service commercial banking after policy-lending functions were transferred to China Development Bank. It adopted the name China Construction Bank in 1996. [4](https://www.ccb.com/en/newinvestor/history.html)

In September 2004, the bank was separated from its predecessor and incorporated as China Construction Bank Corporation, a joint-stock commercial bank. Bank of America agreed to make a strategic investment in 2005, the year CCB listed H-shares in Hong Kong; it listed A-shares in Shanghai in 2007. [31](https://ccb.com/chn/home/tzzgx/gszl/qyls/index.shtml)[32](https://ccb.com/en/investor/1129888838100.html)[4](https://www.ccb.com/en/newinvestor/history.html)

CCB expanded internationally through the 2006 acquisition of Bank of America (Asia), followed by the opening of a London subsidiary and its first U.S. branch in 2009. In 2014 it completed the acquisition of a 72% stake in Brazil’s BICBANCO, its first acquisition in Latin America. [33](https://www.ccb.com/en/newccbtoday/v3/whatsnew/1168302235100.html)[34](https://www.ccb.com/en/home/1243908401100.html)[35](https://www.ccb.com/en/home/1244254159100.html)[36](https://www.ccb.com/eng/2021-01/22/article_2021012215420595627.shtml)
[4](https://www.ccb.com/en/newinvestor/history.html)[31](https://ccb.com/chn/home/tzzgx/gszl/qyls/index.shtml)[32](https://ccb.com/en/investor/1129888838100.html)[33](https://www.ccb.com/en/newccbtoday/v3/whatsnew/1168302235100.html)[34](https://www.ccb.com/en/home/1243908401100.html)[35](https://www.ccb.com/en/home/1244254159100.html)[36](https://www.ccb.com/eng/2021-01/22/article_2021012215420595627.shtml)

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1. [CHINA CONSTRUCTION BANK — Press release (2025 Y), p276](https://app.finbar.com/go?id=T18727650)
2. [company.ccb.com](https://company.ccb.com/en/investor/overview.html)
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4. [www.ccb.com](https://www.ccb.com/en/newinvestor/history.html)
5. [CHINA CONSTRUCTION BANK — Full financial report (2025 Y), p14](https://app.finbar.com/go?id=T16182533)
6. [CHINA CONSTRUCTION BANK — Press release (2026 H 1), p8](https://app.finbar.com/go?id=T18725539)
7. [en.ccb.com](https://en.ccb.com/eng/investor/index.shtml)
8. [www.ccb.com](https://www.ccb.com/en/investorv3/corporateoverview/overview.html)
9. [CHINA CONSTRUCTION BANK — Press release (2026 H 1), p38](https://app.finbar.com/go?id=P161046339)
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26. [CHINA CONSTRUCTION BANK — Full financial report (2026 H 1), p227](https://app.finbar.com/go?id=P161375803)
27. [CHINA CONSTRUCTION BANK — Full financial report (2026 H 1), p227](https://app.finbar.com/go?id=P161375804)
28. [CHINA CONSTRUCTION BANK — Full financial report (2026 H 1), p227](https://app.finbar.com/go?id=P161375805)
29. [CHINA CONSTRUCTION BANK — Full financial report (2025 Y), p273](https://app.finbar.com/go?id=P141558706)
30. [CHINA CONSTRUCTION BANK — Full financial report (2025 Y), p273](https://app.finbar.com/go?id=T16182738)
31. [ccb.com](https://ccb.com/chn/home/tzzgx/gszl/qyls/index.shtml)
32. [ccb.com](https://ccb.com/en/investor/1129888838100.html)
33. [www.ccb.com](https://www.ccb.com/en/newccbtoday/v3/whatsnew/1168302235100.html)
34. [www.ccb.com](https://www.ccb.com/en/home/1243908401100.html)
35. [www.ccb.com](https://www.ccb.com/en/home/1244254159100.html)
36. [www.ccb.com](https://www.ccb.com/eng/2021-01/22/article_2021012215420595627.shtml)

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