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China Construction Bank: Steady dividend play constructive to one’s portfolio

Thiveyen Kathirrasan
Thiveyen Kathirrasan • 3 min read
China Construction Bank: Steady dividend play constructive to one’s portfolio
Photo Credit: Bloomberg
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Performance: -10.6%

Hong Kong-listed China Construction Bank (CCB) was one of the eight losers in our portfolio for the four-month period, with a 10.6% loss. The bank is a leading commercial bank in China providing a comprehensive range of commercial banking products and services. CCB is one of the largest banks in the world by market cap and Tier 1 capital. It has subsidiaries in various sectors, including fund management, financial leasing, trust, insurance, futures, pension and investment banking.

The thesis for investing in the company is that it is a sustainable dividend play. Through its dividend policy, its scale as a bank, and history of paying dividends at lucrative yields, this company is a good pick for investors who prioritise dividends. Compared to other major state-owned banks of China, CCB has consistently outperformed in terms of profitability through return on assets (ROA) and return on equity (ROE). This profitability stems from its strong asset yields, fee income contributions and low cost-to-income ratio.

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