China Construction Bank's time deposit of 654.38 million+shows holding 10 million. The reasons include automatic renewal of time deposits after maturity and deposit interest.

1. Automatic renewal of time deposit after maturity: if automatic renewal is selected instead of withdrawal or deposit after maturity, the bank will re-count the principal and interest of the deposit into the deposit balance, so the position amount displayed on the CCB card will increase.

2. Deposit interest: After the time deposit expires, the bank will calculate the corresponding interest according to the term and interest rate of the deposit and automatically transfer it to the account balance. Therefore, the amount of positions displayed on the CCB card will also increase accordingly.