China Construction Bank posts profit gains, China Construction Bank stock falls 2.70 percent

Published on 10/02/2026 at 12:20 | Editorial responsibility: Rafael Müller, Editor-in-Chief AD HOC NEWS

First-half 2026 net profit reached CNY 162.638 billion, up 5.56 percent. China Construction Bank stock cost EUR 1.08 on October 2, 2026 after EUR 1.11.

China Construction Bank, CNE1000002H1, Illustration mit AI erstellt.

China Construction Bank (ISIN CNE1000002H1) was trading at EUR 1.08 at Lang & Schwarz on October 2, 2026 at 12:11 p.m. CEST, down 2.70 percent versus the prior close of EUR 1.11. In its interim report for the six months ended June 30, 2026, Futu reported net profit of CNY 162.638 billion, up 5.56 percent year over year, while operating income rose 10.48 percent to CNY 385.905 billion.

Interim income accelerates

The six-month figures show a widening gap between revenue growth and earnings growth. Net interest income reached CNY 286.709 billion, up 8.46 percent year over year, while the net interest margin was 1.37 percent, according to Futu.

Profit attributable to equity shareholders increased 4.62 percent to CNY 162.076 billion. The cost-to-income ratio fell 1.55 percentage points to 22.17 percent, giving investors a concrete efficiency counterweight to the pressure on bank margins.

Dividend and credit risk matter

China Construction Bank proposed an interim cash dividend of CNY 2.01 per 10 shares for the first half of 2026. The proposed payout ratio was 31.00 percent, up from 30.00 percent in 2025, while the non-performing loan ratio stood at 1.31 percent.

Credit impairment losses rose 20.79 percent in the first half of 2026, according to the same interim report. That figure is the key risk counterweight to the stronger operating result because higher provisions can absorb part of the improvement in income.

Daiwa keeps a Buy rating

On September 17, 2026, Daiwa maintained a Buy rating on China Construction Bank with a price target of HKD 11.05, as reported by The Globe and Mail. The target is denominated in HKD and is separate from the euro reference price used for the German market perspective.

The Hong Kong listing uses ticker 0939. Investing.com identifies the shares as listed on the Hong Kong Stock Exchange and assigns them ISIN CNE1000002H1.

Stock trades lower in trading

At Lang & Schwarz, China Construction Bank was trading at EUR 1.08 on October 2, 2026 at 12:11 p.m. CEST, down 2.70 percent versus the prior close of EUR 1.11 on October 1, 2026. The further course of trading is shown by the continuously updated real-time quote of China Construction Bank stock.