BEIJING -- China Construction Bank (CCB), the country's second-largest State-owned bank, on Sunday said its net profit rose 12.63 percent in the first half year from a year earlier.

Net profit hit 119.71 billion yuan ($19.4 billion) during the first six months, the CCB said in a statement filed to the Shanghai Stock Exchange.

Net interest income rose 10.59 percent year on year to 187.66 billion yuan in the first half year, while net income from commissions and service fees soared 12.76 percent to 55.52 billion yuan, said the statement.

The bank's non-performing loan ratio remained at 0.99 at the end of June, the same level recorded at the end of 2012.

The capital adequacy ratio (CAR), which reflects a bank's capacity to cushion potential losses with its capital, stood at 13.34 percent, down 0.29 percentage points from that at the end of March.

China's largest banks must keep their CAR no less than 9.5 percent by the end of 2013, the country's bank regulator said last year.