Everbright Bank’s Liu Yan: Continue to promote the “Five Major Articles” and maintain relatively fast growth in credit disbursement in related fields

March 31 Financial Frontline News: Today, the Bank of Communications held its 2025 annual results briefing session. In terms of corporate banking business, Vice President and Chief Financial Officer Liu Yan stated that in 2025, the Bank of Communications’ corporate finance business maintained sound and steady operations, and played a well role as the “main force” in serving the real economy and the “keystone” in the bank’s overall business operations.

一是 solidly carrying out the “five major articles on finance,” with clear improvements in the quality and efficiency of serving the real economy. Credit growth in key real-economy areas such as technology, green finance, inclusive finance, pensions, and manufacturing all exceeded general corporate loan growth; positive progress has been made in implementing “two new and two critical” initiatives, the financing coordination mechanism, and various relending measures.

二 is reducing costs and enhancing quality: corporate finance spreads are being stabilized at the bottom. Orderly management of high-cost liabilities, improving the accumulation of high-quality demand deposits, and driving continuous optimization of deposit costs; implementing the requirements of “anti-involution” in finance, and determining loan pricing levels in a scientific and reasonable manner.

三 is coordinating development and security: asset quality remains stable, and the corporate NPL formation rate continues to stay at a low level.

四 is adhering to winning customers and activating existing ones in parallel, continuously deepening customer comprehensive operations. Focusing on high-quality market entities, promoting “white list” targeted customer acquisition, and with “customer operating vitality” and the “five main customers” as guidance, vigorously expanding the “eight major high-frequency transaction scenarios.”

五 is building distinctive business and cultivating growth momentum. Breakthroughs have been achieved in areas such as technology finance—“equity-to-loan, bond-to-trust, and private placement-to-loan”; supply-chain finance—“hundreds of chains and thousands of households”; and the online development of inclusive finance. Investment banking matchmaking business has flourished in multiple areas, and government-related scenarios have achieved “three top grades” from the central finance for eight consecutive years.

“Looking ahead, the corporate finance segment will implement the requirements of ‘focus on our main business, improve governance, and develop in a differentiated manner,’ adhere to innovation with sound practices, and build competitive advantages through differentiation. We will further drive our corporate customer base to ‘move toward innovation and toward excellence,’ and promote the transformation of corporate finance services toward integrated, ecosystem-based, scenario-based, distinctive, and digital-intelligent development. By strengthening distinctive value creation and building stronger advantageous businesses, we will establish five strategic capabilities—agile, coordinated, paradigm-based, product, and bank research—while continuously promoting the ‘five major articles on finance’ and related credit investment in relevant areas to maintain a relatively fast growth rate. While fully serving the ‘Fifteenth Five-Year Plan (2026–2030)’ and deeply implementing major strategic decisions and deployments of the Party Central Committee, we will also build on our own strengths and continuously forge major tracks, build leading advantages, and create distinctive characteristics.” Liu Yan summarized.

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责任编辑：曹睿潼