China Construction Bank

What China Construction Bank does

China Construction Bank (CCB) is one of China's 'Big Five' state-owned commercial banks, headquartered at No. 25 Finance Street, Xicheng District, Beijing, and operating under the supervision of the State Council through Central Huijin Investment Ltd. Established in October 1954 as the People's Construction Bank of China, CCB was listed on the Hong Kong Stock Exchange in October 2005 (stock code 00939) and on the Shanghai Stock Exchange in September 2007 (stock code 601939). As of end-2025, CCB operated 14,614 branches serving 785 million individual customers and 12.73 million corporate clients, with a global footprint spanning 31 countries and regions through nearly 200 overseas operating units. Total assets reached CNY 45.63 trillion (approximately USD 6.3 trillion), ranking CCB as the world's second-largest bank by tier-1 capital.

CCB's core offering spans traditional banking (deposits, loans, mortgages, credit cards including the 龙卡/Dragon Card franchise), wealth management (funds, fixed-income and structured products, insurance distribution through CCB Life), private banking (CCB Private Bank, named Best Private Bank in mainland China for seven consecutive years under the 金臻奖), corporate and institutional banking (corporate loans, trade finance, cash management, supply chain finance via 善付通), and emerging digital services including e-CNY (digital yuan) wallets, mobile and online banking platforms, and a dedicated Tech Finance Zone. The bank operates an integrated financial services ecosystem through subsidiaries covering fund management (CCB Fund), financial leasing (CCB Financial Leasing), trust (CCB Trust), life and property insurance (CCB Life, CCB Property Insurance), futures (CCB Futures), consumer finance (CCB Consumer Finance), pension management (CCB Pension Management), wealth management (CCB Wealth Management), equity investment (CCB Equity Investment), debt-to-equity swaps (CCB Financial Assets Investment), and financial technology (CCB Financial Technology). Strategic verticals include technology loans exceeding CNY 5 trillion (supporting humanoid robotics, semiconductors, and AI-chip companies), green finance exceeding CNY 6 trillion, and digital currency infrastructure.

CCB generates revenue primarily through net interest income from corporate loans, personal mortgages, and consumer loans (NIM of 1.34% in 2025), supplemented by fee and commission income from transaction services, wealth management distribution, insurance sales agency, and advisory, plus trading and investment income from treasury operations, foreign exchange, and securities investment. FY2025 net profit reached CNY 339 billion with ROE of 10.04% and a capital adequacy ratio of 19.69%. The bank's go-to-market combines an extensive physical branch network, mobile/online/WeChat banking channels, dedicated relationship managers for corporate and private banking clients, and subsidiary-company distribution. While market capitalization stood at USD 265.545 billion at end-2025, CCB faces structural margin compression from state-directed cheap lending, modest profit growth (1.04% YoY in 2025), and ongoing regulatory exposure including a Vesttoo-related reinsurance fraud litigation and a regulator-imposed pause on new lending to certain US-sanctioned refineries.

Name

China Construction Bank

Legal name

中国建设银行股份有限公司

Website

http://ccb.com

Company type

Public

Founded year

1954

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

China Construction Bank is one of China's 'Big Five' state-owned commercial banks, headquartered in Beijing and operating 14,614 branches serving 785 million retail and 12.73 million corporate customers across 31 countries. It provides full-spectrum banking, wealth management, insurance, fintech, and e-CNY digital currency services with CNY 45.63 trillion in total assets.

Ownership category

akta.pro rank

Product category

Commercial Banking

NAICS

Commercial Banking (522110), Depository Credit Intermediation (5221)

SIC

National Commercial Banks (6021)

akta.pro primary industry

Infrastructure & Project Finance Development Banks (FSABAKAD)

akta.pro secondary industries

Onshore Private Banking (Domestic HNW/UHNW) (FSAAABAA), Real Estate (Commercial Property, REITs) (FSABACAH), Private Credit — Infrastructure Debt & Project Finance (FSAHAJAJ)

Keywords

• Commercial banking
• Retail banking
• Corporate lending
• Wealth management
• Digital yuan payments

Headquarters

HQ city

Beijing

HQ country

China

HQ region

Asia

Offices21 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales

Revenue model

1. Net Interest Income: CCB's primary revenue driver from lending activities, including corporate loans, personal mortgages, and consumer loans. Net Interest Margin was reported at 1.34% with personal consumption loans growing 29.41% to RMB 6.72 trillion. Interest income from time deposits and corporate credit facilities represents the largest single revenue component of a large state-owned commercial bank.
2. Fee and Commission Income: Revenue from transaction fees, wealth management product distribution, insurance sales agency commissions, fund distribution, and advisory services. Includes income from private banking services and corporate banking transaction services.
3. Trading and Investment Income: Income from treasury operations including foreign exchange trading, bond trading, and investment securities. CCB manages a large securities investment portfolio generating mark-to-market gains and realized profits.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels6 records

Core offering

China Construction Bank is a state-owned commercial bank providing comprehensive financial services including corporate and personal loans, mortgages, deposits, credit cards, wealth management, private banking, trade finance, cash management, treasury operations, insurance, fund management, trust, leasing, and consumer finance. The bank serves 785 million individual customers and 12.73 million corporate clients through 14,614 domestic branches, digital channels (mobile, online, WeChat), and subsidiaries spanning insurance, funds, leasing, trust, fintech, and consumer finance. Revenue is generated primarily through net interest income (CNY-based lending activities), fee and commission income (wealth management distribution, cards, payments), and trading/investment income from treasury operations.

Product overview

China Construction Bank offers a comprehensive digital banking platform with multiple integrated products and services for retail, corporate, and institutional customers. The core offering includes traditional banking (deposits, loans, cards), wealth management (funds, securities, insurance), digital banking (mobile app, online banking, e-account), and emerging services (e-CNY, fintech solutions). The product portfolio spans personal banking (credit cards, consumer loans, mortgage services), corporate banking (corporate loans, trade finance, cash management), SME services (quick loans, supply chain finance), private banking (family trusts, investment advisory), and specialized services (green finance, tech finance, pension management). Key products include Dragon Card credit cards, Quick Loan for instant approvals, Mobile Banking app, Online Banking platform, wealth management products, fund distribution, gold accumulation plans, and the e-CNY digital yuan wallet. The bank operates through physical branches, digital channels, and subsidiary companies covering fund management, insurance, leasing, fintech, and consumer finance.

Differentiator

Problem solved

Functional benefit

Brands

• CCB Private Bank (建行私人银行): Wealth management and private banking services for high-net-worth individuals, including family office, exclusive bank cards, investment planning, family trust, and quality lifestyle services.
• Long Card (龙卡)
• Quick Loan (快贷)
• Dragon Pay (龙支付)
• Yue Life (悦生活)
• CCB Financial Mall (善融商务)
• CCB Housing (建融家园)
• CCB Singapore Green Tech Initiative

Products and services

• Dragon Card Credit Card (龙卡信用卡) Comprehensive credit card services including installment plans, cash advances, and merchant discounts for individual customers in China.
• CCB Quick Loan (建行快贷) Online real-time approval personal loan product enabling fast credit access for qualified individual customers via the digital banking platform.
• CCB Mobile Banking (手机银行) Full-service mobile banking application providing account management, transfers, payments, loans, wealth management, and insurance with self-service capabilities for personal and corporate customers.
• CCB Online Banking (网上银行) Full-featured internet banking platform for personal and corporate customers including account management, transfers, forex, and investment services.
• Wealth Management Products (理财产品) Diverse investment products including fixed-income, mixed, and structured wealth management offerings distributed through CCB Wealth Management subsidiary.
• Fund Products Distribution (基金) Mutual fund distribution service covering equity, bond, hybrid, and money market funds from CCB Fund Management subsidiary and other fund managers.
• Gold Accumulation Plan (黄金积存) Systematic gold savings plan allowing customers to accumulate physical gold through regular purchases.
• Shanrong Commerce (善融商务) B2C and B2B e-commerce platform integrated with CCB banking services for online shopping and corporate procurement.
• Yue Life (悦生活) Lifestyle services platform covering daily utility payments, mobile recharges, and local merchant offers for individual customers.
• DragonPay (龙支付) CCB's proprietary mobile payment solution supporting QR code payments, contactless payments, and online transactions.
• CCB Private Banking (建行私人银行) Premium wealth management services including family trusts, investment planning, exclusive banking products, and quality lifestyle services for high-net-worth individuals and family offices.
• SME Quick Loan (小微快贷) Streamlined credit facilities designed for small and micro enterprises with simplified approval processes supporting inclusive finance in China.
• e-Account (e账户) Digital-only bank account that can be opened remotely via mobile or web without physical branch visit, with investment and treasury management capabilities.
• e-CNY Digital Yuan Wallet (数字人民币钱包) Digital yuan (e-CNY) wallet service for making payments, receiving interest, and conducting transactions with the central bank digital currency.
• Jianrong Jiayuan Housing Rental Platform (建融家园) Housing rental platform connecting tenants with landlords and providing rental financial services through CCB Housing Services subsidiary.
• Shanfutong Supply Chain Finance (善付通) Supply chain management and payment solution for corporate customers to manage procurement and supplier payments.
• Tech Finance Zone (科技金融专区) Dedicated financial services platform for technology companies offering equity investment, credit facilities, and IPO sponsorship.
• Humanoid Robotics Industry Financial Support Services Tailored financial services for humanoid robotics companies, including equity investment via CCB Financial Assets Investment, credit facilities, and IPO sponsorship.
• Social Security Fund Management Services (社保金融服务) Pension fund management and social security fund investment services provided via CCB Pension Management Co., Ltd. subsidiary.
• CCB Fund Management Services Fund management, asset management, and QDII-qualified investment services provided by CCB Fund Management Co., Ltd. wholly-owned subsidiary.
• CCB Financial Leasing Services Financial leasing services provided by CCB Financial Leasing Co., Ltd. wholly-owned subsidiary.
• CCB Trust Services Trust services and asset management provided by CCB Trust Co., Ltd. majority-owned subsidiary.
• CCB Life Insurance Life insurance products distributed through wholly-owned CCB Life Insurance Co., Ltd. subsidiary.
• CCB Property Insurance Property, motor, and liability insurance products distributed through wholly-owned CCB Property Insurance Co., Ltd. subsidiary.
• CCB Futures Brokerage Futures brokerage and related services provided by wholly-owned CCB Futures Co., Ltd. subsidiary.
• FTSE CCB Dim Sum Green Bond Index Index measuring the performance of offshore RMB-denominated (Dim Sum) green bonds aligned with Climate Bonds Initiative standards, co-developed with FTSE Russell.
• Digital Yuan Interest Payment Service Interest payment service on e-CNY (digital yuan) holdings paid at 0.05% on a quarterly basis.
• CCB Consumer Finance Loans Consumer finance and personal consumption loans provided by CCB Consumer Finance Co., Ltd. subsidiary.

Quantifiable outcome

• Total assets of CNY 45.63 trillion, up 12% YoY, ranking CCB as one of the world's largest banks
• +4 more outcomes

Named customers1 record

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability5 records

Feature4 records

Partnerships

Six partnerships are on record, tiered core and minor.

• FTSE Russell (LSEG)coreStrategic or Co-development Partner · 25 June 2026FTSE Russell partnered with CCB to launch the FTSE CCB Dim Sum (Offshore CNY) Green Bond Index, measuring the performance of offshore RMB-denominated green bonds aligned with Climate Bonds Initiative standards. The index supports international investor access to China-related sustainable fixed income and aligns with UK–China Economic and Financial Dialogue priorities.
• White Rock Insurance (Aon Subsidiary)minorOthers · 27 May 2026White Rock Insurance (Aon subsidiary) is leveraging a Hong Kong bribery case involving former CCB manager Chun-Yin Lam to strengthen its New York lawsuit against CCB over Vesttoo-linked reinsurance fraud, seeking at least USD 140 million in damages. The case involves allegations that a CCB employee accepted cryptocurrency to validate fraudulent letters of credit.
• Shanghai Public Rental and Subsidized Housing CompaniescoreStrategic or Co-development Partner · 3 February 2026CCB signed credit cooperation agreements with Shanghai public rental and subsidized housing companies to support Shanghai's pilot program purchasing pre-owned homes in three central districts (Jing'an, Xuhui, Pudong), prioritizing small-to-medium resale homes under 70 sqm. The initiative aims to revitalize Shanghai's second-hand housing market.
• NUS Enterprise, TTFA, and Co-AxisminorGTM or Marketing Partner · 6 December 2025CCB Singapore partnered with NUS Enterprise, Temasek Trust's initiatives, and Co-Axis to support 22 startups at Singapore FinTech Festival 2025, promoting green technology and innovation ecosystems.
• NUS EnterpriseminorGTM or Marketing Partner · 14 November 2025CCB Singapore partnered with NUS Enterprise and other organizations at Singapore FinTech Festival 2025 to support green tech and innovation ecosystems, supporting 22 start-ups.
• Hang Seng BankcoreStrategic or Co-development Partner · 10 November 2025Hang Seng Bank and CCB jointly launched an e-CNY merchant payment collection service in Hong Kong, enabling consumers to pay with e-CNY wallets at over 100 local merchants. Cross-boundary RMB-HKD settlements are processed jointly, strengthening Hong Kong's role as a global offshore RMB hub.

Scale indicators15 records

Recent moves8 records

Expansion highlights6 records

Direct peers

• Industrial and Commercial Bank of China (ICBC): The world's largest bank by assets and fellow 'Big Four' Chinese state-owned commercial bank. ICBC competes directly with CCB across corporate banking, retail banking, and wealth management with comparable scale, government backing, and full-service offering.
• Agricultural Bank of China (ABC): Fellow Big Four state-owned commercial bank with similar full-service model, government ownership through Central Huijin, and overlapping retail/corporate banking franchises. ABC is CCB's closest peer in policy lending and rural/urban market coverage.
• Bank of China: Big Four state-owned commercial bank with particularly strong international banking and trade finance operations. Directly competes with CCB in corporate banking, RMB internationalization, and overseas branch expansion across 31+ countries.
• Bank of Communications (BoCom): State-owned commercial bank and the fifth-largest Chinese bank by assets. BoCom competes head-to-head with CCB in corporate banking, trade finance, and wealth management; CCB's recent EVP hire Tang Shuo came from BoCom, indicating cross-pollination of talent across the state bank peer set.
• Postal Savings Bank of China (PSBC): State-owned commercial bank with the largest retail distribution network in China. PSBC competes with CCB for retail deposits, inclusive finance, and SME lending, sharing government backing and rural/urban reach strategies.
• China Merchants Bank (CMB): China's leading retail-focused joint-stock commercial bank. CMB is CCB's most direct competitor in retail banking, wealth management, and credit cards — the segments where CCB's Dragon Card, Yue Life, and private banking franchises compete most intensely.
• China CITIC Bank: Major national joint-stock commercial bank competing with CCB in corporate banking, transaction banking, and wealth management. CITIC's state-linked ownership and broad product portfolio make it a close comparable in the corporate banking vertical.
• China Minsheng Bank: One of China's largest privately-controlled commercial banks, competing directly with CCB for SME lending, corporate banking, and private banking clients. Comparable in scale though structurally more agile due to non-state ownership.

Broad incumbents

• HSBC Holdings: Global banking giant with the largest international presence among foreign banks in China and Greater Bay Area. HSBC competes with CCB in cross-border corporate banking, trade finance, wealth management, and Hong Kong-anchored RMB services where Hang Seng Bank (HSBC subsidiary) directly partners with CCB on e-CNY.
• Mitsubishi UFJ Financial Group (MUFG): Japan's largest banking group with significant Asia-Pacific corporate banking overlap. MUFG competes with CCB in syndicated project finance, Japanese corporate client banking across China, and cross-border M&A advisory — relevant as CCB expands its overseas project finance book.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat6 records

Key risks7 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/137878342950487
• LinkedInlinkedin.com/company/china-construction-bank

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries15 records

Funding overview

Funding rounds1 record

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments43 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about China Construction Bank