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China Construction Bank, or CCB, is No. 2 among China’s Big Four banks and the fourth in the world in terms of market capitalization. Like its three peers, CCB saw its market cap shrink in the second quarter of 2021 as Beijing sought to curb excessive borrowing and as pandemic uncertainty loomed. That followed a COVID-riddled 2020 in which the bank reported a 1.6% rise in net income for the full year to $41.2 billion. The bank continues to undertake its “new finance” strategy, which prioritizes investments in financial technology and inclusive finance loans for micro and small enterprises. By the end of 2020, CCB’s fintech investment had reached $3.4 billion, a 25% increase year on year, and it became the country’s first bank to break the RMB 1 trillion ($155 billion) threshold for inclusive finance loans.
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