On March 27, China Construction Bank (CCB) held its 2025 annual results presentation. President Zhang Yi stated that 2026 marks the beginning of the 15th Five-Year Plan period. CCB will align firmly with national strategies, support the development of the real economy, and contribute to improving people's quality of life. The bank is committed to promoting high-quality, sustainable growth and is confident in its ability to deliver long-term stable and more resilient operational performance.
Zhang Yi highlighted three key areas of focus:
First, the bank aims to build distinctive strengths and enhance efficiency through asset-liability management and deeper customer engagement. On the asset side, it will focus on improving quality while ensuring reasonable growth in scale. On the liability side, it will strengthen the management of major liability categories, increase core deposits, and actively expand funds related to payment settlements, transactions, and wealth management to effectively reduce liability costs. In terms of customer service, CCB will deepen customer segmentation and classification, upgrade service models, and provide more comprehensive financial solutions through a structured service approach.
Second, the bank will deepen cost reduction and efficiency improvement efforts, seeking greater benefits through refined management. It will enhance precision in pricing management, control low-yield assets, accelerate the stabilization of net interest margins, and boost the growth momentum of non-interest income. By strengthening integrated marketing and professional services, CCB aims to improve the quality of its intermediary business. It will also enhance the stability of other non-interest income, continue to advance corporate operational reforms, optimize operating costs, refine management processes, reduce inefficient expenditures, and improve input-output efficiency while ensuring key strategic investments.
Third, the bank will strengthen forward-looking and proactive risk management to derive value from risk control. By leveraging AI capabilities, CCB will improve its comprehensive, proactive, and agile risk management system. It will adopt a more anticipatory approach to addressing risk changes, strengthen the coordinated control of the three lines of defense, intensify risk management in key areas, enhance the efficiency of non-performing asset disposal, and solidify the foundation for stable operations.
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