CITIC Bank's net profit increased by nearly 3%, and its non-performing loan ratio has declined for seven consecutive years; the Chairman states that the historical burdens have been fully cleared.

[Caixin] “What we pursue is never to run the fastest in a tailwind, but to be the most stable against the wind.” China CITIC Bank Chairman Fang Heying stated that the bank’s non-performing loan ratio has decreased for seven consecutive years since 2019, with the provision coverage ratio increasing by 32 percentage points over five years. The historical burden has been cleared, and incremental risks are controllable. Meanwhile, the bank adheres to a “balance of volume and price” strategy, with net interest margin changes outperforming the market, and the cost of liabilities has reached the same level as major state-owned banks.

On the morning of March 23, 2026, China CITIC Bank held its 2025 performance release conference, with Fang Heying and several vice presidents in attendance.

According to the latest data, China CITIC Bank achieved a net profit attributable to the parent of 70.618 billion yuan in 2025, a 2.98% increase from the previous year; operating income was 212.475 billion yuan, a 0.55% decrease year-on-year; among which, net interest income was 144.469 billion yuan, down 1.51% from the previous year, and non-interest net income was 68.006 billion yuan, up 1.55%. As of the end of December that year, the non-performing loan balance was 67.216 billion yuan, an increase of 1.1% from the end of the previous year; the non-performing loan ratio was 1.15%, down 0.01 percentage points from the end of the previous year; the provision coverage ratio was 203.61%, down 5.82 percentage points from the end of the previous year.